Civic Intelligence

State Chartered Credit Union

EIN 64-6023120 • 501(c)14 • West Point, MS

Profile

To provide financial services to members who own and control the business.

7290 Highway 45 Alt NorthWest Point, MS 39773-9445

www.newhorizonscreditunion.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

35th percentile

0.83x

Higher debt load relative to assets than 35% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

41st percentile

15.34x

Higher debt load relative to revenue than 41% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2016

Net Margin

45th percentile

2.3%

Higher net margin than 45% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

50th percentile

-1.6%

Faster asset growth than 50% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

57th percentile

9.2%

Faster revenue growth than 57% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets35th percentile

Assets

Down

$9,228,513

Down $146,279 (-1.6%) from 2015

Liabilities

Down

$7,622,592

Down $154,714 (-2.0%) from 2015

Net Assets

Up

$1,605,921

Up $8,435 (+0.5%) from 2015

Operations
Liabilities / Revenue41st percentileNet Margin45th percentile

Revenue

Up

$497,059

Up $41,959 (+9.2%) from 2015

Expenses

Up

$485,843

Up $56,216 (+13%) from 2015

Net Income

Down

$11,216

Down $14,257 (-56%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth50th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$10M$5.0M$0Assets 2011: $7,574,746Liabilities 2011: $5,819,823Net Assets 2011: $1,754,9232011Assets 2012: $7,508,172Liabilities 2012: $5,786,576Net Assets 2012: $1,721,5962012Assets 2013: $8,011,119Liabilities 2013: $6,465,875Net Assets 2013: $1,545,2542013Assets 2014: $8,692,569Liabilities 2014: $7,120,556Net Assets 2014: $1,572,0132014Assets 2015: $9,374,792Liabilities 2015: $7,777,306Net Assets 2015: $1,597,4862015Assets 2016: $9,228,513Liabilities 2016: $7,622,592Net Assets 2016: $1,605,9212016

Highlighted filing

2016

Assets$9,228,513
Liabilities$7,622,592
Net Assets$1,605,921
Open 2016 Filing

Operations Trend

Revenue Growth57th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500KRevenue 2011: $406,397Expenses 2011: $451,398Net Income 2011: -$45,0012011Revenue 2012: $854,428Expenses 2012: $449,165Net Income 2012: $405,2632012Revenue 2013: $387,399Expenses 2013: $393,398Net Income 2013: -$5,9992013Revenue 2014: $420,843Expenses 2014: $394,084Net Income 2014: $26,7592014Revenue 2015: $455,100Expenses 2015: $429,627Net Income 2015: $25,4732015Revenue 2016: $497,059Expenses 2016: $485,843Net Income 2016: $11,2162016

Highlighted filing

2016

Revenue$497,059
Expenses$485,843
Net Income$11,216
Open 2016 Filing

Filings

Most recent year

2016 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$9,228,513
Liabilities
$7,622,592
Net assets
$1,605,921
Revenue
$497,059
Expenses
$485,843
Net income
$11,216
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Summary only. Only limited summary data is available for this year.$9.23$7.62$1.61$0.50$0.49$0.01
2015Detailed filing. Detailed filing data is available for this year.$9.37$7.78$1.60$0.46$0.43$0.03
2014Detailed filing. Detailed filing data is available for this year.$8.69$7.12$1.57$0.42$0.39$0.03
2013Summary only. Only limited summary data is available for this year.$8.01$6.47$1.55$0.39$0.39$0.01
2012Summary only. Only limited summary data is available for this year.$7.51$5.79$1.72$0.85$0.45$0.41
2011Summary only. Only limited summary data is available for this year.$7.57$5.82$1.75$0.41$0.45$0.05
Latest Detailed Filing

The latest 2016 filing currently has summary financial data only. Showing the latest detailed filing from 2015 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 2, 2016
Return Version
2015v2.1
Gross Receipts
$455,100
Mission and Program Overview

Mission

To provide financial services to members who own and control the business.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,157,919$4,400,527▲ $242,608
Savings and Temporary Cash Investments$4,018,785$4,079,777▲ $60,992
Rtn Earn Endowment Incm Other Fnds$1,572,013$1,597,486▲ $25,473
Land, Buildings, and Equipment, Net$130,916$419,132▲ $288,216
Cash and Non-Interest-Bearing Accounts$264,298$359,883▲ $95,585
Prepaid Expenses and Deferred Charges$38,402$26,604▼ $11,798
Accounts Receivable$19,132$19,304▲ $172
Total Assets$8,692,569$9,374,792▲ $682,223
Other Assets Total$63,117$69,565▲ $6,448
Liabilities
Other Liabilities$7,104,178$7,765,501▲ $661,323
Accounts Payable and Accrued Expenses$16,378$11,805▼ $4,573
Total Liabilities$7,120,556$7,777,306▲ $656,750
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,572,013$1,597,486▲ $25,473
Total Liabilities and Net Assets / Fund Balance$8,692,569$9,374,792▲ $682,223

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$313,017$28,683-
Land$60,000--
Equipment$46,115$172,488-
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
James RustinPresident
Amy BerryBoard Member
Gregg KaiserBoard Member
Kim CaskeyBoard Member
Marvin TurnipseedSecretary
PETER S O'SHEATreasurer
Steve TribbleVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$404,151
Investment Income
$50,949
Other Revenue
$0
Change in Net Assets
$25,473

Audited Revenue Reconciliation

Revenue per Audited Statements
$455,100
Total Revenue per Audited Statements
$455,100
Total Revenue per Form 990
$455,100
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$237,207
Salaries, Compensation, and Employee Benefits$192,420
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$160,091$15,833-$175,924
Office Expenses$102,068$16,616-$118,684
Occupancy$33,145--$33,145
Interest$27,128--$27,128
Insurance$17,530--$17,530
Payroll Taxes$14,091$1,394-$15,485
Fees for Services Accounting-$9,132-$9,132
Fees for Services Management-$5,739-$5,739
Advertising$3,615--$3,615
Travel-$2,215-$2,215
Other Employee Benefits$920$91-$1,011
Conferences and Meetings-$205-$205
Other Expenses$-2,968--$-2,968
Total Functional Expenses$378,402$51,225$0$429,627

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$429,627
Total Expenses per Audited Statements$429,627
Total Expenses per Form 990$429,627
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$6,612,907
Member Share Certificates$982,880
Regular Reserves$169,714
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Organization has members authorized one vote each in the election of the governing body and other specific organization control matters, if above the age of 18. (see part vi, line 7a comment below)”

Form 990, Page 6, Part VI, Line 7A

“Members elect all persons on the board of directors.”

Form 990, Page 6, Part VI, Line 7B

“Reserved to members above the age of 18 are (1) the election of the governing body (board of directors), (2) removal of a member of the governing body for cause, (3) removal of a member for cause, and (4) dissolution of the organization.”

Form 990, Page 6, Part VI, Line 11B

“A complete copy of the form 990 is provided to each director with a review of the next scheduled monthly meeting of the board.”

Form 990, Page 6, Part VI, Line 12C

“Directors and officers are asked annually if they have violated any part of the conflict of interest policy. Additionally, throughout the year activities of directors and officer are monitored by the board treasurer and credit union manager for conflict of interest violations.”

Form 990, Page 6, Part VI, Line 15A

“Board of directors sets compensation for credit union manager.”

Form 990, Page 6, Part VI, Line 15B

“Board of directors sets salaries for all paid staff members of the credit union.”

Form 990, Page 6, Part VI, Line 19

“All credit union governing documents are available upon request to any member of the organization. This policy is made known at the annual meeting of the membership each year.”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Union
EIN
64-6023120
Phone
6624947700
Address
7290 HIGHWAY 45 ALT NORTH, WEST POINT, MS 39773-9445
Doing Business As
New Horizons Credit Union

Signing Officer

Name
James Rustin
Title
President
Phone
6624947700
Signed
2016-11-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Rustin
Formed
1960
Legal Domicile
Ms
Voting Board Members
7
Independent Board Members
7
Employees
6
Volunteers
10

Preparer

Firm
Watkins Ward and Stafford Pllc
Address
PO BOX 1216, WEST POINT, MS 39773-1216
Preparer
Stephen J Swetz CPA
Phone
6624945732
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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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBER SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2REGULAR RESERVES
IRS990ScheduleD/RevenueSubtotalAmt0455100
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0419132
IRS990ScheduleD/TotalExpensesPerForm990Amt0429627
IRS990ScheduleD/TotalLiabilityAmt07765501
IRS990ScheduleD/TotalRevenuePerForm990Amt0455100
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0455100
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0429627
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ORGANIZATION HAS MEMBERS AUTHORIZED ONE VOTE EACH IN THE ELECTION OF THE GOVERNING BODY AND OTHER SPECIFIC ORGANIZATION CONTROL MATTERS, IF ABOVE THE AGE OF 18. (SEE PART VI, LINE 7A COMMENT BELOW)
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT ALL PERSONS ON THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2RESERVED TO MEMBERS ABOVE THE AGE OF 18 ARE (1) THE ELECTION OF THE GOVERNING BODY (BOARD OF DIRECTORS), (2) REMOVAL OF A MEMBER OF THE GOVERNING BODY FOR CAUSE, (3) REMOVAL OF A MEMBER FOR CAUSE, AND (4) DISSOLUTION OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COMPLETE COPY OF THE FORM 990 IS PROVIDED TO EACH DIRECTOR WITH A REVIEW OF THE NEXT SCHEDULED MONTHLY MEETING OF THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DIRECTORS AND OFFICERS ARE ASKED ANNUALLY IF THEY HAVE VIOLATED ANY PART OF THE CONFLICT OF INTEREST POLICY. ADDITIONALLY, THROUGHOUT THE YEAR ACTIVITIES OF DIRECTORS AND OFFICER ARE MONITORED BY THE BOARD TREASURER AND CREDIT UNION MANAGER FOR CONFLICT OF INTEREST VIOLATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD OF DIRECTORS SETS COMPENSATION FOR CREDIT UNION MANAGER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BOARD OF DIRECTORS SETS SALARIES FOR ALL PAID STAFF MEMBERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ALL CREDIT UNION GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST TO ANY MEMBER OF THE ORGANIZATION. THIS POLICY IS MADE KNOWN AT THE ANNUAL MEETING OF THE MEMBERSHIP EACH YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt08692569
IRS990/TotalAssetsEOYAmt09374792
IRS990/TotalAssetsGrp/BOYAmt08692569
IRS990/TotalAssetsGrp/EOYAmt09374792
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt051225
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0378402
IRS990/TotalFunctionalExpensesGrp/TotalAmt0429627
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07120556
IRS990/TotalLiabilitiesEOYAmt07777306
IRS990/TotalLiabilitiesGrp/BOYAmt07120556
IRS990/TotalLiabilitiesGrp/EOYAmt07777306
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01572013
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01597486
IRS990/TotalProgramServiceExpensesAmt0378402
IRS990/TotalProgramServiceRevenueAmt0404151
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0455100
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0455100
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08692569
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt09374792
IRS990/TravelGrp/ManagementAndGeneralAmt02215
IRS990/TravelGrp/TotalAmt02215
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.NEWHORIZONSCREDITUNION.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JAMES RUSTIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06624947700
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-11-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0STATE CHARTERED CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0STAT
ReturnHeader/Filer/EIN0646023120
ReturnHeader/Filer/PhoneNum06624947700
ReturnHeader/Filer/USAddress/AddressLine1Txt07290 HIGHWAY 45 ALT NORTH
ReturnHeader/Filer/USAddress/CityNm0WEST POINT
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MS
ReturnHeader/Filer/USAddress/ZIPCd0397739445
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0640394922
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WATKINS WARD AND STAFFORD PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 1216
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WEST POINT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0397731216
ReturnHeader/PreparerPersonGrp/PhoneNum06624945732
ReturnHeader/PreparerPersonGrp/PreparationDt02016-11-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEPHEN J SWETZ CPA
ReturnHeader/ReturnTs02016-11-04T08:45:13-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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