Civic Intelligence

Heritage Credit Union

EIN 72-0381385 • 501(c)14 • Lafayette, LA

View Organization Page

Profile

Mutually owned not for profit financial cooperative. Continue to provide members with affordable sources of savings and credit.

114 Representative RowLafayette, LA 70508

www.hcuworld.com

Siviq Scores

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

Liabilities / Assets

56th percentile

0.87x

Higher debt load relative to assets than 56% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

86th percentile

24.35x

Higher debt load relative to revenue than 86% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

27th percentile

-2.2%

Higher net margin than 27% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

35th percentile

$69,000

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 12.7% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

36th percentile

-2.0%

Faster asset growth than 36% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

20th percentile

-2.4%

Faster revenue growth than 20% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets56th percentile

Assets

Down

$15,308,060

Down $306,066 (-2.0%) from 2015

Liabilities

Down

$13,266,854

Down $294,194 (-2.2%) from 2015

Net Assets

Down

$2,041,206

Down $11,872 (-0.6%) from 2015

Operations
Liabilities / Revenue86th percentileNet Margin27th percentile

Revenue

Down

$544,943

Down $13,241 (-2.4%) from 2015

Expenses

Down

$556,815

Down $8,771 (-1.6%) from 2015

Net Income

Down

-$11,872

Down $4,470 (-60%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth36th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $14,334,973Liabilities 2010: $12,277,571Net Assets 2010: $2,057,4022010Assets 2011: $13,768,304Liabilities 2011: $11,791,832Net Assets 2011: $1,976,4722011Assets 2012: $13,983,970Liabilities 2012: $12,087,455Net Assets 2012: $1,896,5152012Assets 2013: $15,288,903Liabilities 2013: $13,220,722Net Assets 2013: $2,068,1812013Assets 2014: $15,153,878Liabilities 2014: $13,093,393Net Assets 2014: $2,060,4852014Assets 2015: $15,614,126Liabilities 2015: $13,561,048Net Assets 2015: $2,053,0782015Assets 2016: $15,308,060Liabilities 2016: $13,266,854Net Assets 2016: $2,041,2062016

Highlighted filing

2016

Assets$15,308,060
Liabilities$13,266,854
Net Assets$2,041,206
Open 2016 Filing

Operations Trend

Revenue Growth20th percentile

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $715,7792010Expenses 2011: $642,8742011Expenses 2012: $626,4152012Revenue 2013: $767,236Expenses 2013: $595,574Net Income 2013: $171,6622013Revenue 2014: $557,658Expenses 2014: $565,360Net Income 2014: -$7,7022014Revenue 2015: $558,184Expenses 2015: $565,586Net Income 2015: -$7,4022015Revenue 2016: $544,943Expenses 2016: $556,815Net Income 2016: -$11,8722016

Highlighted filing

2016

Revenue$544,943
Expenses$556,815
Net Income-$11,872
Open 2016 Filing

Filings

Most recent year

2016 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$15,308,060
Liabilities
$13,266,854
Net assets
$2,041,206
Revenue
$544,943
Expenses
$556,815
Net income
-$11,872
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.3$13.3$2.04$0.54$0.56$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.6$13.6$2.05$0.56$0.57$0.01
2014Detailed filing. Detailed filing data is available for this year.$15.2$13.1$2.06$0.56$0.57$0.01
2013Detailed filing. Detailed filing data is available for this year.$15.3$13.2$2.07$0.77$0.60$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.0$12.1$1.90$0.63
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.8$11.8$1.98$0.64
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.3$12.3$2.06$0.72
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 8, 2017
Return Version
2016v3.0
Gross Receipts
$544,943
Mission and Program Overview

Mission

Mutually owned not for profit financial cooperative. Continue to provide members with affordable sources of savings and credit.

Member owned not for profit financial cooperative. Continue to provide members with affordable sources of savings and credit.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$6,462,929$7,907,889▲ $1,444,960
Other Notes and Loans Receivable, Net$7,459,172$6,067,355▼ $1,391,817
Rtn Earn Endowment Incm Other Fnds$2,053,078$2,041,206▼ $11,872
Land, Buildings, and Equipment, Net$681,544$653,985▼ $27,559
Savings and Temporary Cash Investments$744,256$302,084▼ $442,172
Cash and Non-Interest-Bearing Accounts$18,354$147,489▲ $129,135
Prepaid Expenses and Deferred Charges$37,425$12,841▼ $24,584
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$15,614,126$15,308,060▼ $306,066
Other Assets Total$210,446$216,417▲ $5,971
Liabilities
Other Liabilities$13,537,080$13,237,910▼ $299,170
Accounts Payable and Accrued Expenses$23,968$28,944▲ $4,976
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$13,561,048$13,266,854▼ $294,194
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,053,078$2,041,206▼ $11,872
Total Liabilities and Net Assets / Fund Balance$15,614,126$15,308,060▼ $306,066

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$549,651$127,572$0
Other Land Buildings$0$0$0
Land$98,438-$0
Equipment$5,896$202,279$0
Leasehold Improvements$0$0$0
Other Securities$75,929--
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer Pay35th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Todd KidderCEO and TreasurerFT$69,000$69,000

Board Members and Trustees

NameTitle
Karl ComeauxBoard Chairman
Henry E DavidVice Chairman
Jeffrey DupuisBoard member
Robbie LafleurBoard member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$430,210
Investment Income
$114,733
Other Revenue
$0
Change in Net Assets
$-11,872
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$311,175
Salaries, Compensation, and Employee Benefits$245,640
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$132,125
Information Technology---$90,919
Current Officers, Directors, Trustees, and Key Employees---$69,000
Office Expenses---$56,559
All Other Expenses---$35,842
Interest---$34,574
Other Employee Benefits---$22,669
Insurance---$19,651
Payroll Taxes---$15,793
Other Expenses---$6,250
Pension Plan Contributions---$6,053
Advertising---$2,454
Conferences and Meetings---$1,696
Total Functional Expenses$0$0$0$556,815
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Savings Accounts$12,286,201
Certificates of Deposit Issued to Members$580,786
Checking Accounts$370,923
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
No
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
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 organization had 1,753 members as of the report date. As a member owned financial cooperative, there are no stockholders.”

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

“Members of the governing body are elected by the membership.”

Form 990, Part VI, Section B, Line 11B

“The credit union CEO or Board President reviews the Form 990.”

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

“The Code of Ethics Policy requires a signed agreement for all credit union officials.”

Form 990, Part VI, Section B, Line 15

“Compensation for the CEO is based on performance and salary rates for similar size credit unions. No other directors or officers receive monetary compensation.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union office and are filed with the credit union's regulator (NCUA). Financial statements are also publicly available at www.ncua.gov. Policies and other governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Heritage Credit Union
EIN
72-0381385
Phone
3372699880
Address
114 Representative Row, Lafayette, LA 70508

Signing Officer

Name
Todd Kidder
Title
CEO
Phone
3372699880
Signed
2017-05-08
Discuss with paid preparer
No

Organization Details

Principal Officer
Todd Kidder
Formed
1940
Legal Domicile
La
Voting Board Members
5
Independent Board Members
5
Employees
7
Volunteers
7

Preparer

Firm
James Jordan CPA LLC
Address
P O Box 86761, Baton Rouge, LA 70817
Preparer
James Jordan
Phone
2253377645
Raw XML AppendixShowing 400 of 447 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
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IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0358527
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt139415
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt227818
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0358527
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt140380
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt231303
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1965
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt23485
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide members with affordable sources of savings and financial services. Deposit accounts held by 1,753 members with a total $ amount of $13,237,910
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0271838
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt026986
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt075918
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0315919
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0482266
IRS990/PYRevenuesLessExpensesAmt0-7402
IRS990/PYSalariesCompEmpBnftPaidAmt0249667
IRS990/PYTotalExpensesAmt0565586
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0558184
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-11872
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0403223
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02053078
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02041206
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0744256
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0302084
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0549651
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0127572
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0677223
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/MethodValuationCd0C
IRS990ScheduleD/EquipmentGrp/BookValueAmt05896
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0202279
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0208175
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt00
IRS990ScheduleD/FinancialDerivativesGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt098438
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt098438
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt012286201
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1370923
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2580786
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Savings Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Checking Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Certificates of Deposit Issued to Members
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt07831960
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt175929
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Insured Certificates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Membership Capital in Corporate Credit Unions
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0653985
IRS990ScheduleD/TotalBookValueSecuritiesAmt07907889
IRS990ScheduleD/TotalLiabilityAmt013237910
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The organization had 1,753 members as of the report date. As a member owned financial cooperative, there are no stockholders.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members of the governing body are elected by the membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The credit union CEO or Board President reviews the Form 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Code of Ethics Policy requires a signed agreement for all credit union officials.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Compensation for the CEO is based on performance and salary rates for similar size credit unions. No other directors or officers receive monetary compensation.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Financial statements are posted in the credit union office and are filed with the credit union's regulator (NCUA). Financial statements are also publicly available at www.ncua.gov. Policies and other governing documents are available upon request.
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 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt015614126
IRS990/TotalAssetsEOYAmt015308060
IRS990/TotalAssetsGrp/BOYAmt015614126
IRS990/TotalAssetsGrp/EOYAmt015308060
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0556815
IRS990/TotalGrossUBIAmt04450
IRS990/TotalLiabilitiesBOYAmt013561048
IRS990/TotalLiabilitiesEOYAmt013266854
IRS990/TotalLiabilitiesGrp/BOYAmt013561048
IRS990/TotalLiabilitiesGrp/EOYAmt013266854
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02053078
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02041206
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0556815
IRS990/TotalProgramServiceRevenueAmt0430210
IRS990/TotalReportableCompFromOrgAmt069000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0540493
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0544943
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt04450
IRS990/TotalVolunteersCnt07

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