Civic Intelligence

State Chartered Credit Union

EIN 64-6023786 • 501(c)14 • Natchez, MS

Profile

To promote thrift, to issue shares or maintain deposits as set forth in the by-laws of said credit union, to make loans to its members at reasonable rates of interest, to invest any surplus not required for loans to members in the way and manner provided by law, to exercise those functions described in the laws of the state of mississippi and the rules and regulations of the department of banking and consumer finance.

P O Box 774Natchez, MS 39121-0774

n/A

Siviq Scores

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

Liabilities / Assets

18th percentile

0.62x

Higher debt load relative to assets than 18% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

52nd percentile

11.12x

Higher debt load relative to revenue than 52% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2016

Net Margin

40th percentile

-7.5%

Higher net margin than 40% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

29th percentile

$18,900

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 22.6% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2016

Asset Growth

54th percentile

-8.3%

Faster asset growth than 54% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

33rd percentile

-14%

Faster revenue growth than 33% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Assets

Down

$1,487,995

Down $134,413 (-8.3%) from 2015

Liabilities

Down

$928,652

Down $128,165 (-12%) from 2015

Net Assets

Down

$559,343

Down $6,248 (-1.1%) from 2015

Revenue

Down

$83,480

Down $13,805 (-14%) from 2015

Expenses

Down

$89,728

Down $1,327 (-1.5%) from 2015

Net Income

Down

-$6,248

Down $12,478 (-200%) from 2015

Trend Graphs

Balance Sheet Trend

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

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,571,183Liabilities 2010: $1,099,240Net Assets 2010: $471,9432010Assets 2011: $1,654,602Liabilities 2011: $1,152,284Net Assets 2011: $502,3182011Assets 2012: $1,745,532Liabilities 2012: $1,207,243Net Assets 2012: $538,2892012Assets 2013: $1,755,568Liabilities 2013: $1,205,140Net Assets 2013: $550,4282013Assets 2014: $1,742,880Liabilities 2014: $1,183,519Net Assets 2014: $559,3612014Assets 2015: $1,622,408Liabilities 2015: $1,056,817Net Assets 2015: $565,5912015Assets 2016: $1,487,995Liabilities 2016: $928,652Net Assets 2016: $559,3432016

Highlighted filing

2016

Assets$1,487,995
Liabilities$928,652
Net Assets$559,343

Operations Trend

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

$150K$100K$50K$0-$50KExpenses 2010: $101,9892010Revenue 2011: $142,996Expenses 2011: $112,621Net Income 2011: $30,3752011Revenue 2012: $143,518Expenses 2012: $107,547Net Income 2012: $35,9712012Revenue 2013: $120,671Expenses 2013: $108,532Net Income 2013: $12,1392013Revenue 2014: $106,481Expenses 2014: $97,548Net Income 2014: $8,9332014Revenue 2015: $97,285Expenses 2015: $91,055Net Income 2015: $6,2302015Revenue 2016: $83,480Expenses 2016: $89,728Net Income 2016: -$6,2482016

Highlighted filing

2016

Revenue$83,480
Expenses$89,728
Net Income-$6,248

Filings