Civic Intelligence

Pearl Municipal Federal Credit Union

990 • Fiscal year 2013 • EIN 64-0647495

Jan 01, 2013 to Dec 31, 2013 • Filed on May 16, 2014

Organization Profile
P O Box 594839288

(601) 932-2985

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

68th percentile

0.87x

Higher debt load relative to assets than 68% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

25th percentile

11.60x

Higher debt load relative to revenue than 25% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

77th percentile

12%

Higher net margin than 77% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

20th percentile

$0

Higher top officer pay than 20% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

84th percentile

7.4%

Faster asset growth than 84% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$1,050,051

Up $72,580 (+7.4%) from 2012

Net Assets

Up

$132,233

Up $9,815 (+8.0%) from 2012

Liabilities

Up

$917,818

Up $62,765 (+7.3%) from 2012

Revenue And Expenses
Liabilities / Revenue25th percentileNet Margin77th percentile

Revenue

$79,155

No earlier filing loaded for comparison.

Expenses

Up

$69,339

Up $6,299 (+10.0%) from 2012

Net Income

$9,816

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth84th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$3.0M$2.0M$1.0M$0Assets 2011: $842,835Liabilities 2011: $736,425Net Assets 2011: $106,4102011Assets 2012: $977,471Liabilities 2012: $855,053Net Assets 2012: $122,4182012Assets 2013: $1,050,051Liabilities 2013: $917,818Net Assets 2013: $132,2332013Assets 2014: $1,082,950Liabilities 2014: $937,104Net Assets 2014: $145,8462014Assets 2015: $1,118,905Liabilities 2015: $940,185Net Assets 2015: $178,7202015Assets 2016: $1,255,325Liabilities 2016: $1,036,269Net Assets 2016: $219,0562016Assets 2017: $1,428,921Liabilities 2017: $1,181,706Net Assets 2017: $247,2152017Assets 2018: $1,472,668Liabilities 2018: $1,205,242Net Assets 2018: $267,4262018Assets 2019: $1,552,765Liabilities 2019: $1,246,216Net Assets 2019: $306,5492019Assets 2020: $1,774,949Liabilities 2020: $1,443,339Net Assets 2020: $331,6102020Assets 2021: $1,995,863Liabilities 2021: $1,633,594Net Assets 2021: $362,2692021Assets 2022: $2,090,379Liabilities 2022: $1,698,016Net Assets 2022: $392,3632022Assets 2023: $2,236,939Liabilities 2023: $1,780,473Net Assets 2023: $456,4662023Assets 2024: $1,967,287Liabilities 2024: $1,476,985Net Assets 2024: $490,3022024

Highlighted filing

2013

Assets$1,050,051
Liabilities$917,818
Net Assets$132,233
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$200K$150K$100K$50K$0Expenses 2011: $58,7492011Expenses 2012: $63,0402012Revenue 2013: $79,155Expenses 2013: $69,339Net Income 2013: $9,8162013Revenue 2014: $83,558Expenses 2014: $69,947Net Income 2014: $13,6112014Revenue 2015: $95,545Expenses 2015: $62,671Net Income 2015: $32,8742015Revenue 2016: $97,668Expenses 2016: $57,332Net Income 2016: $40,3362016Revenue 2017: $94,257Expenses 2017: $66,098Net Income 2017: $28,1592017Revenue 2018: $94,976Expenses 2018: $74,764Net Income 2018: $20,2122018Revenue 2019: $108,047Expenses 2019: $68,924Net Income 2019: $39,1232019Revenue 2020: $98,618Expenses 2020: $73,559Net Income 2020: $25,0592020Revenue 2021: $113,912Expenses 2021: $83,255Net Income 2021: $30,6572021Revenue 2022: $126,244Expenses 2022: $96,150Net Income 2022: $30,0942022Revenue 2023: $157,206Expenses 2023: $93,103Net Income 2023: $64,1032023Revenue 2024: $148,776Expenses 2024: $114,940Net Income 2024: $33,8362024

Highlighted filing

2013

Revenue$79,155
Expenses$69,339
Net Income$9,816
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 16, 2014
Return Version
2013v3.1
Gross Receipts
$79,155
Mission and Program Overview

Mission

MEMBER SAVINGS & LOAN

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$557,804$542,167▼ $15,637
Savings and Temporary Cash Investments$222,895$372,882▲ $149,987
Cash and Non-Interest-Bearing Accounts$189,415$126,460▼ $62,955
Rtn Earn Endowment Incm Other Fnds$95,321$105,136▲ $9,815
Pd in Cap Srpls Land Bldg Eqp Fund$27,097$27,097→ $0
Investments in Publicly Traded Securities$7,357$8,542▲ $1,185
Total Assets$977,471$1,050,051▲ $72,580
Liabilities
Other Liabilities$854,224$917,342▲ $63,118
Accounts Payable and Accrued Expenses$829$476▼ $353
Total Liabilities$855,053$917,818▲ $62,765
Net Assets / Fund Balance
Total Net Assets Fund Balance$122,418$132,233▲ $9,815
Total Liabilities and Net Assets / Fund Balance$977,471$1,050,051▲ $72,580

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$7,261$7,261
Compensation and Service Providers
Top Officer Pay20th percentile

Board Members and Trustees

NameTitle
Lanell WhitePresident
Mark HeathVice President
Ron MorganDirector
Glenda ChappellSecretary
Donna RiegerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$77,983
Investment Income
$1,172
Other Revenue
$0
Change in Net Assets
$9,816
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$43,766
Salaries, Compensation, and Employee Benefits$22,604
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$21,000
All Other Expenses---$11,089
Benefits to Members---$2,969
Other Expenses$2,915--$2,915
Conferences and Meetings---$1,717
Payroll Taxes---$1,604
Advertising---$935
Total Functional Expenses$0$0$0$69,339
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$816,321
Share Certificates$101,021
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“Credit union is organized with members who have voting rights”

Member election for additional members Part VI line 7A

“Board members are elected by members of the credit union.”

Form 990 governing body review Part VI line 11

“Th Board reviews a copy of Form 990 before it is filed.”

Governing documents etc available to public Part VI line 19

“No documents available to the public except for those required by law to be made available.”

Filing and Contact Details

Filer

EIN
64-0647495

Signing Officer

Name
Lanell White
Title
President
Phone
6019322985
Signed
2014-05-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lanell White
Formed
1981
Legal Domicile
Ms
Voting Board Members
5
Independent Board Members
0
Employees
3

Preparer

Preparer
Tom Windham
Phone
6018924001
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“ROUNDING”

List of other expenses Part IX line 24E

“Association fees - 2029CUNA COLLATERAL FEES - 900LOAN SERVICING EXPENSE - 3302EDUCATIONAL & PROMOTIONAL EXPENSE - 860.NCUSIF STABILIZATION - 1647CUNA BOND - 2288STATE & FED OPERATING EXPENSE - 200MISCELLANEOUS - 729SOFTWARE MAINTENENCE - 1790”

Raw XML Appendix303 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Credit union is organized with members who have voting rights
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board members are elected by members of the credit union.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3No documents available to the public except for those required by law to be made available.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ROUNDING
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ReturnHeader/BuildTS02015-11-30 17:44:51Z
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ReturnHeader/Filer/USAddress/ZIPCode039288
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0640929901
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Windham and Lacey PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine102708 Old Brandon Road
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Pearl
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode039208
ReturnHeader/PreparerPersonGrp/PhoneNum06018924001
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TOM WINDHAM
ReturnHeader/ReturnTs02014-05-22T14:51:35-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,050,051
Liabilities
$917,818
Net assets
$132,233
Revenue
$79,155
Expenses
$69,339
Net income
$9,816
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.97$1.48$0.49$0.15$0.11$0.03
2023Detailed filing. Detailed filing data is available for this year.$2.24$1.78$0.46$0.16$0.09$0.06
2022Detailed filing. Detailed filing data is available for this year.$2.09$1.70$0.39$0.13$0.10$0.03
2021Detailed filing. Detailed filing data is available for this year.$2.00$1.63$0.36$0.11$0.08$0.03
2020Detailed filing. Detailed filing data is available for this year.$1.77$1.44$0.33$0.10$0.07$0.03
2019Detailed filing. Detailed filing data is available for this year.$1.55$1.25$0.31$0.11$0.07$0.04
2018Detailed filing. Detailed filing data is available for this year.$1.47$1.21$0.27$0.09$0.07$0.02
2017Detailed filing. Detailed filing data is available for this year.$1.43$1.18$0.25$0.09$0.07$0.03
2016Detailed filing. Detailed filing data is available for this year.$1.26$1.04$0.22$0.10$0.06$0.04
2015Detailed filing. Detailed filing data is available for this year.$1.12$0.94$0.18$0.10$0.06$0.03
2014Detailed filing. Detailed filing data is available for this year.$1.08$0.94$0.15$0.08$0.07$0.01
2013Detailed filing. Detailed filing data is available for this year.$1.05$0.92$0.13$0.08$0.07$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.98$0.86$0.12$0.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.84$0.74$0.11$0.06