Civic Intelligence

State Chartered Credit Union in La

EIN 72-0445030 • 501(c)14 • Metairie, LA

Profile

To provide members savings and investment options that provide maximum allowable earnings and various types of loans at low competative rates.

1215 Clearview ParkwayMetairie, LA 70001

www.terminalcu.com

Siviq Scores

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

Liabilities / Assets

39th percentile

0.83x

Higher debt load relative to assets than 39% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

86th percentile

24.84x

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

501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

85th percentile

24%

Higher net margin than 85% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

60th percentile

$90,600

Higher top officer pay than 60% of similar nonprofits.

Top officer pay equals 16.2% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

32nd percentile

-2.7%

Faster asset growth than 32% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2017

Revenue Growth

15th percentile

-4.7%

Faster revenue growth than 15% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2017

Balance Sheet
Liabilities / Assets39th percentile

Assets

Down

$16,710,132

Down $1,445,937 (-8.0%) from 2014

Liabilities

Down

$13,921,101

Down $1,861,421 (-12%) from 2014

Net Assets

Up

$2,789,031

Up $415,484 (+18%) from 2014

Operations
Liabilities / Revenue86th percentileNet Margin85th percentile

Revenue

Down

$560,488

Down $86,898 (-13%) from 2014

Expenses

Up

$425,523

Up $34,632 (+8.9%) from 2014

Net Income

Down

$134,965

Down $121,530 (-47%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth32nd percentile

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

$30M$20M$10M$0Assets 2010: $20,779,911Liabilities 2010: $19,159,911Net Assets 2010: $1,620,0002010Assets 2011: $21,068,290Liabilities 2011: $19,223,289Net Assets 2011: $1,845,0012011Assets 2012: $19,266,117Liabilities 2012: $17,364,287Net Assets 2012: $1,901,8302012Assets 2013: $18,019,483Liabilities 2013: $15,881,313Net Assets 2013: $2,138,1702013Assets 2014: $18,156,069Liabilities 2014: $15,782,522Net Assets 2014: $2,373,5472014Assets 2017: $16,710,132Liabilities 2017: $13,921,101Net Assets 2017: $2,789,0312017

Highlighted filing

2017

Assets$16,710,132
Liabilities$13,921,101
Net Assets$2,789,031
Open 2017 Filing

Operations Trend

Revenue Growth15th percentile

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

$1.0M$500K$0Expenses 2010: $750,2572010Expenses 2011: $656,0152011Expenses 2012: $932,7402012Revenue 2013: $743,014Expenses 2013: $469,597Net Income 2013: $273,4172013Revenue 2014: $647,386Expenses 2014: $390,891Net Income 2014: $256,4952014Revenue 2017: $560,488Expenses 2017: $425,523Net Income 2017: $134,9652017

Highlighted filing

2017

Revenue$560,488
Expenses$425,523
Net Income$134,965
Open 2017 Filing

Filings

Most recent year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$16,710,132
Liabilities
$13,921,101
Net assets
$2,789,031
Revenue
$560,488
Expenses
$425,523
Net income
$134,965
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$16.7$13.9$2.79$0.56$0.43$0.13
2014Detailed filing. Detailed filing data is available for this year.$18.2$15.8$2.37$0.65$0.39$0.26
2013Detailed filing. Detailed filing data is available for this year.$18.0$15.9$2.14$0.74$0.47$0.27
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.3$17.4$1.90$0.93
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.1$19.2$1.85$0.66
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.8$19.2$1.62$0.75
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jul 13, 2018
Return Version
2017v2.2
Gross Receipts
$560,488
Mission and Program Overview

Mission

To provide members savings and investment options that provide maximum allowable earnings and various types of loans at low competitive rates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$10,116,448$9,597,796▼ $518,652
Other Notes and Loans Receivable, Net$5,923,275$5,817,974▼ $105,301
Rtn Earn Endowment Incm Other Fnds$2,713,182$2,789,031▲ $75,849
Cash and Non-Interest-Bearing Accounts$547,023$549,426▲ $2,403
Investments in Publicly Traded Securities$500,000$500,000→ $0
Land, Buildings, and Equipment, Net$50,925$50,164▼ $761
Prepaid Expenses and Deferred Charges$14,355$16,368▲ $2,013
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$17,334,465$16,710,132▼ $624,333
Other Assets Total$182,439$178,404▼ $4,035
Liabilities
Other Liabilities$14,609,033$13,906,373▼ $702,660
Accounts Payable and Accrued Expenses$12,250$14,728▲ $2,478
Total Liabilities$14,621,283$13,921,101▼ $700,182
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,713,182$2,789,031▲ $75,849
Total Liabilities and Net Assets / Fund Balance$17,334,465$16,710,132▼ $624,333

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$46,548$66,940$113,488
Equipment$919$76,574$77,493
Other Land Buildings$2,697$6,366$9,063
Compensation and Service Providers
Top Officer Pay60th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Darlene B LockhartCEOFT$90,600$90,600

Board Members and Trustees

NameTitle
George E DemersPresident
John K MillerVice President
Lloyd A CockranDirector
Thomas E SnyderSecretary
Eugene G FernizTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$385,157
Investment Income
$172,538
Other Revenue
$2,793
Change in Net Assets
$134,965
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$287,337
Salaries, Compensation, and Employee Benefits$138,186
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$134,269
Current Officers, Directors, Trustees, and Key Employees---$90,600
Other Salaries and Wages---$37,560
All Other Expenses---$30,310
Conferences and Meetings---$21,489
Payroll Taxes---$10,026
Office Expenses---$8,462
Occupancy---$7,541
Other Expenses---$7,500
Fees for Services Accounting---$7,200
Fees for Services Legal---$7,082
Depreciation Depletion---$6,561
Fees for Service Investment Mgmnt Fees---$3,600
Total Functional Expenses$0$0$0$425,523
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
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member's shares & share equivalents$13,906,373
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
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, Line 6: Explanation of Classes of Members or Shareholder

“The organization has members and each member has one voting right.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Form 990 is reviewed at the board meeting.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Compensation for the executive director is reviewed annually. Any changes are discussed and voted on by the executive committee.”

Form 990, Part VI, Line 18: Explanation of Other Means Forms Available For Public Inspection

“Governing documents and financial statements are available to the public upon request. Financial statements are also made available at the annual meeting.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Union in LA
EIN
72-0445030
Phone
5048858267
Address
1215 Clearview Parkway, Metairie, LA 70001

Signing Officer

Name
Darlene B Lockhart
Title
CEO
Phone
5048858267
Signed
2018-07-13
Discuss with paid preparer
Yes

Organization Details

Formed
1951
Legal Domicile
La
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
12

Preparer

Firm
Eugene G Ferniz CPA
Address
4401 Barnett Street Suite D, Metairie, LA 70006
Preparer
Eugene G Ferniz
Phone
5043900880
Supplemental Narrative

Additional Explanations

Form 990, Part IV, Line 26

“Was a loan to or by a current or former officer, director, trustee, key employee, highly compensated employee, or disqualified person outstanding as of the end of the organization's tax year? if "yes" complete schedule l, Part II. At year end loans were outstanding to certain members mentioned in the above question and it would appear that the question should be answered "yes." In fact the question has been answered "no." By the nature of the organization purpose (Credit Union) these loans were made on the same terms as offered to other members of the organization and are exempt for reporting.”

Raw XML Appendix369 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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IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02713182
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02789031
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010116448
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09597796
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt046548
IRS990ScheduleD/BuildingsGrp/DepreciationAmt066940
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0113488
IRS990ScheduleD/EquipmentGrp/BookValueAmt0919
IRS990ScheduleD/EquipmentGrp/DepreciationAmt076574
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt077493
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt02697
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt06366
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt09063
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt013906373
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member's shares & share equivalents
IRS990ScheduleD/TotalBookValueLandBuildingsAmt050164
IRS990ScheduleD/TotalLiabilityAmt013906373
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The organization has members and each member has one voting right.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Form 990 is reviewed at the board meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Compensation for the executive director is reviewed annually. Any changes are discussed and voted on by the executive committee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Governing documents and financial statements are available to the public upon request. Financial statements are also made available at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Was a loan to or by a current or former officer, director, trustee, key employee, highly compensated employee, or disqualified person outstanding as of the end of the organization's tax year? if "yes" complete schedule l, Part II. At year end loans were outstanding to certain members mentioned in the above question and it would appear that the question should be answered "yes." In fact the question has been answered "no." By the nature of the organization purpose (Credit Union) these loans were made on the same terms as offered to other members of the organization and are exempt for reporting.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 18: Explanation of Other Means Forms Available For Public Inspection
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IV, Line 26
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt017334465
IRS990/TotalAssetsEOYAmt016710132
IRS990/TotalAssetsGrp/BOYAmt017334465
IRS990/TotalAssetsGrp/EOYAmt016710132
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0425523
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt014621283
IRS990/TotalLiabilitiesEOYAmt013921101
IRS990/TotalLiabilitiesGrp/BOYAmt014621283
IRS990/TotalLiabilitiesGrp/EOYAmt013921101
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02713182
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02789031
IRS990/TotalProgramServiceRevenueAmt0385157
IRS990/TotalReportableCompFromOrgAmt090600
IRS990/TotalRevenueGrp/ExclusionAmt0172538
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0387950
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0560488
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt017334465
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016710132
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.terminalcu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Darlene B Lockhart
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05048858267
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-07-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0State Chartered Credit Union in LA
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0Terminal Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0STAT
ReturnHeader/Filer/EIN0720445030
ReturnHeader/Filer/PhoneNum05048858267
ReturnHeader/Filer/USAddress/AddressLine1Txt01215 Clearview Parkway
ReturnHeader/Filer/USAddress/CityNm0Metairie
ReturnHeader/Filer/USAddress/StateAbbreviationCd0LA
ReturnHeader/Filer/USAddress/ZIPCd070001
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Eugene G Ferniz CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04401 Barnett Street Suite D
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Metairie
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0LA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd070006
ReturnHeader/PreparerPersonGrp/PhoneNum05043900880
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Eugene G Ferniz
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02018-07-13T09:12:46-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

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