Civic Intelligence

State Chartered Credit Union Natchez-Adams Educators Credit Union

990 • Fiscal year 2014 • EIN 64-6023786

Jan 01, 2014 to Dec 31, 2014 • Filed on May 13, 2015

Organization ProfileN/A
P O Box 774Natchez, MS 39121-0774

(601) 445-2851

Siviq Scores

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

Liabilities / Assets

19th percentile

0.68x

Higher debt load relative to assets than 19% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

23rd percentile

11.11x

Higher debt load relative to revenue than 23% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

65th percentile

8.4%

Higher net margin than 65% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

51st percentile

$31,200

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 29.3% of source-year revenue.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

53rd percentile

-0.7%

Faster asset growth than 53% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

12th percentile

-12%

Faster revenue growth than 12% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets19th percentile

Assets

Down

$1,742,880

Down $12,688 (-0.7%) from 2013

Net Assets

Up

$559,361

Up $8,933 (+1.6%) from 2013

Liabilities

Down

$1,183,519

Down $21,621 (-1.8%) from 2013

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin65th percentile

Revenue

Down

$106,481

Down $14,190 (-12%) from 2013

Expenses

Down

$97,548

Down $10,984 (-10%) from 2013

Net Income

Down

$8,933

Down $3,206 (-26%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth53rd percentile

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

$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

2014

Assets$1,742,880
Liabilities$1,183,519
Net Assets$559,361
Open 2014 Filing

Operations Trend

Revenue Growth12th percentile

Revenue, expenses, and net income across loaded years, with this 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

2014

Revenue$106,481
Expenses$97,548
Net Income$8,933
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 13, 2015
Return Version
2014v5.0
Gross Receipts
$106,481
Mission and Program Overview

Mission

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.

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$966,860$1,071,492▲ $104,632
Other Notes and Loans Receivable, Net$620,707$562,897▼ $57,810
Rtn Earn Endowment Incm Other Fnds$550,428$559,361▲ $8,933
Cash and Non-Interest-Bearing Accounts$144,573$83,006▼ $61,567
Prepaid Expenses and Deferred Charges$5,646$8,183▲ $2,537
Land, Buildings, and Equipment, Net$2,388$1,657▼ $731
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,755,568$1,742,880▼ $12,688
Other Assets Total$15,394$15,645▲ $251
Liabilities
Other Liabilities$1,195,236$1,176,543▼ $18,693
Accounts Payable and Accrued Expenses$9,904$6,976▼ $2,928
Total Liabilities$1,205,140$1,183,519▼ $21,621
Net Assets / Fund Balance
Total Net Assets Fund Balance$550,428$559,361▲ $8,933
Total Liabilities and Net Assets / Fund Balance$1,755,568$1,742,880▼ $12,688

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$1,657$35,450$37,107
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mary Lou LairdManager/CEOFT$31,200$31,200

Board Members and Trustees

NameTitle
Nila StaleyChairperson
Denise FordCredit Committee Chairpers
Lorene MockVice-chairperson
Nick PetermanBoard Member
Patricia SessionsBoard Member
Sheila HickinbottomBoard Member
Millicent MayoCredit Committee Member
Wilson BanfordCredit Committee Member
Linda GraftonSecretary
Bertha YoungSupervisory Committee Chai
Esther MackelSupervisory Committee Memb
Susan BriceSupervisory Committee Memb
Dolores PorterTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$90,786
Investment Income
$6,226
Other Revenue
$9,469
Change in Net Assets
$8,933
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$55,390
Other Expenses$42,158
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$31,200
Other Salaries and Wages---$20,070
Insurance---$9,923
Payroll Taxes---$4,120
Other Expenses---$2,465
Office Expenses---$1,968
All Other Expenses---$1,830
Fees for Services Accounting---$1,418
Depreciation Depletion---$732
Travel---$134
Total Functional Expenses$0$0$0$97,548
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
Members Share Balance$1,176,543
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The depositors are considered shareholders of the organization.”

Form 990, Part VI, Section A, Line 7A

“The shareholders elect the directors.”

Form 990, Part VI, Section B, Line 11

“Supervisory committee is given a copy of the form 990 and reviews it.”

Form 990, Part VI, Section B, Line 12C

“Conflict of interests are discussed and disclosed annually or when ever there is a change in officers”

Form 990, Part VI, Section C, Line 19

“The organization's governing documents, conflict of interest policy, and financial statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Union
EIN
64-6023786
Phone
6014452851
Address
P O BOX 774, NATCHEZ, MS 39121-0774

Signing Officer

Name
Mary Lou Laird
Title
Manager
Phone
6014452851
Signed
2015-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Nila Staley
Formed
1970
Legal Domicile
Ms
Voting Board Members
7
Independent Board Members
7
Employees
3
Volunteers
0

Preparer

Firm
Silas Simmons Llp
Address
PO BOX 1027, NATCHEZ, MS 39121-1027
Preparer
Ginga C Maclaughlin CPA
Phone
6014427411
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 1

“MODIFIED CASH”

Raw XML AppendixShowing 400 of 450 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt09904
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt06976
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0CREDIT UNION
IRS990/AllOtherExpensesGrp/TotalAmt01830
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0MARY LOU LAIRD
IRS990/BooksInCareOfDetail/PhoneNum06014452851
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt010 HOMOCHITTO ST
IRS990/BooksInCareOfDetail/USAddress/CityNm0NATCHEZ
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MS
IRS990/BooksInCareOfDetail/USAddress/ZIPCd039120
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0144573
IRS990/CashNonInterestBearingGrp/EOYAmt083006
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt031200
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt06226
IRS990/CYOtherExpensesAmt042158
IRS990/CYOtherRevenueAmt09469
IRS990/CYProgramServiceRevenueAmt090786
IRS990/CYRevenuesLessExpensesAmt08933
IRS990/CYSalariesCompEmpBnftPaidAmt055390
IRS990/CYTotalExpensesAmt097548
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0106481
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0732
IRS990/Desc0OFFERED AND PROVIDED PERSONAL AND CAR LOANS TO MEMBERS WHICH ARE EMPLOYEES OF THE NATCHEZ ADAMS SCHOOL DISTRICT. OFFERED TO ALL MEMBERS OF THE CREDIT UNION SAVINGS ACCOUNTS. DIVIDENDS ON THOSE SAVINGS WERE PAID SEMI-ANNUALLY.SURPLUS MONEY NOT REQUIRED FOR LOANS OR DIVIDEND PAYMENTS WAS INVESTED IN LOCAL BANKS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt03
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt01418
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt100.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt110.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt120.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/PersonNm0NILA STALEY
IRS990/Form990PartVIISectionAGrp/PersonNm1LORENE MOCK
IRS990/Form990PartVIISectionAGrp/PersonNm2DOLORES PORTER
IRS990/Form990PartVIISectionAGrp/PersonNm3LINDA GRAFTON
IRS990/Form990PartVIISectionAGrp/PersonNm4PATRICIA SESSIONS
IRS990/Form990PartVIISectionAGrp/PersonNm5NICK PETERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6SHEILA HICKINBOTTOM
IRS990/Form990PartVIISectionAGrp/PersonNm7BERTHA YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm8SUSAN BRICE
IRS990/Form990PartVIISectionAGrp/PersonNm9ESTHER MACKEL
IRS990/Form990PartVIISectionAGrp/PersonNm10DENISE FORD
IRS990/Form990PartVIISectionAGrp/PersonNm11MILLICENT MAYO
IRS990/Form990PartVIISectionAGrp/PersonNm12WILSON BANFORD
IRS990/Form990PartVIISectionAGrp/PersonNm13MARY LOU LAIRD
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1331200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7SUPERVISORY COMMITTEE CHAI
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY COMMITTEE MEMB
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPERVISORY COMMITTEE MEMB
IRS990/Form990PartVIISectionAGrp/TitleTxt10CREDIT COMMITTEE CHAIRPERS
IRS990/Form990PartVIISectionAGrp/TitleTxt11CREDIT COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CREDIT COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13MANAGER/CEO
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01970
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0106481
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt09923
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt06226
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt06226
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0144
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt035450
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02388
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01657
IRS990/LandBldgEquipCostOrOtherBssAmt037107
IRS990/LegalDomicileStateCd0MS
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingOtherInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0550428
IRS990/NetAssetsOrFundBalancesEOYAmt0559361
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/TotalAmt01968
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt015394
IRS990/OtherAssetsTotalGrp/EOYAmt015645
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0DIVIDENDS ON SHARE BALA
IRS990/OtherExpensesGrp/Desc1OTHER EXPENSES-PROGSERV
IRS990/OtherExpensesGrp/Desc2MAINTENANCE OF EQUIPMEN
IRS990/OtherExpensesGrp/Desc3ASSOCIATION FEES
IRS990/OtherExpensesGrp/TotalAmt011552
IRS990/OtherExpensesGrp/TotalAmt17081
IRS990/OtherExpensesGrp/TotalAmt25055
IRS990/OtherExpensesGrp/TotalAmt32465
IRS990/OtherLiabilitiesGrp/BOYAmt01195236
IRS990/OtherLiabilitiesGrp/EOYAmt01176543
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0FEES AND CHARGES
IRS990/OtherRevenueMiscGrp/Desc1OTHER INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt09415
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt154
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt09415
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt154
IRS990/OtherRevenueTotalAmt09469
IRS990/OtherSalariesAndWagesGrp/TotalAmt020070
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0620707
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0562897
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt04120
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05646
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt08183
IRS990/PrincipalOfficerNm0NILA STALEY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt090786
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt090786
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt06335
IRS990/PYOtherExpensesAmt054296
IRS990/PYOtherRevenueAmt011282
IRS990/PYProgramServiceRevenueAmt0103054
IRS990/PYRevenuesLessExpensesAmt012139
IRS990/PYSalariesCompEmpBnftPaidAmt054236
IRS990/PYTotalExpensesAmt0108532
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0120671
IRS990/ReconcilationRevenueExpnssAmt08933
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0550428
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0559361
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0966860
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01071492
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01657
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt035450
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt037107
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01176543
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARE BALANCE
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01657
IRS990ScheduleD/TotalLiabilityAmt01176543
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt08559
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1261
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2577
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3428
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt41510
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5490
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt670
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt7310
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd70
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0PURCHASE AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt024913
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt11510
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt21510
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt3840
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt41510
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt5810
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt6210
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt7310
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0DENISE J FORD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1DENISE J FORD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2DENISE J FORD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3DENISE J FORD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4ESTHER JEAN MACKEL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5JUANITA WOODS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6JUANITA WOODS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7JUANITA WOODS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CHAIRPERSON CREDIT COMMITTEE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CHAIRPERSON CREDIT COMMITTEE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2CHAIRPERSON CREDIT COMMITTEE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3CHAIRPERSON CREDIT COMMITTEE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4SUPERVISORY COMMITTEE MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5CREDIT COMMITTEE MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6CREDIT COMMITTEE MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7CREDIT COMMITTEE MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd71
IRS990ScheduleL/TotalBalanceDueAmt012205
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE DEPOSITORS ARE CONSIDERED SHAREHOLDERS OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE SHAREHOLDERS ELECT THE DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SUPERVISORY COMMITTEE IS GIVEN A COPY OF THE FORM 990 AND REVIEWS IT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CONFLICT OF INTERESTS ARE DISCUSSED AND DISCLOSED ANNUALLY OR WHEN EVER THERE IS A CHANGE IN OFFICERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MODIFIED CASH
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XII, LINE 1
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01755568
IRS990/TotalAssetsEOYAmt01742880
IRS990/TotalAssetsGrp/BOYAmt01755568
IRS990/TotalAssetsGrp/EOYAmt01742880
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt097548
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01205140
IRS990/TotalLiabilitiesEOYAmt01183519
IRS990/TotalLiabilitiesGrp/BOYAmt01205140
IRS990/TotalLiabilitiesGrp/EOYAmt01183519
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0550428
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0559361
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt090786

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,742,880
Liabilities
$1,183,519
Net assets
$559,361
Revenue
$106,481
Expenses
$97,548
Net income
$8,933
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.49$0.93$0.56$0.08$0.09$0.01
2015Detailed filing. Detailed filing data is available for this year.$1.62$1.06$0.57$0.10$0.09$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.74$1.18$0.56$0.11$0.10$0.01
2013Detailed filing. Detailed filing data is available for this year.$1.76$1.21$0.55$0.12$0.11$0.01
2012Summary only. Only limited summary data is available for this year.$1.75$1.21$0.54$0.14$0.11$0.04
2011Summary only. Only limited summary data is available for this year.$1.65$1.15$0.50$0.14$0.11$0.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.57$1.10$0.47$0.10