Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 75-2871705

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 18, 2014

Organization ProfileN/A
P O Box 74225675374

(214) 349-7613

Siviq Scores

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

Liabilities / Assets

94th percentile

0.92x

Higher debt load relative to assets than 94% of similar nonprofits.

2013 filings • $500k-$1M nonprofits • Source year 2013

Liabilities / Revenue

98th percentile

7.20x

Higher debt load relative to revenue than 98% of similar nonprofits.

2013 filings • $500k-$1M nonprofits • Source year 2013

Net Margin

23rd percentile

-12%

Higher net margin than 23% of similar nonprofits.

2013 filings • $500k-$1M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

7th percentile

-21%

Faster asset growth than 7% of similar nonprofits.

2013 filings • $500k-$1M nonprofits • Annualized from 2012 to 2013

Revenue Growth

22nd percentile

-11%

Faster revenue growth than 22% of similar nonprofits.

2013 filings • $500k-$1M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets94th percentile

Assets

Down

$922,578

Down $251,422 (-21%) from 2012

Net Assets

Down

$71,290

Down $14,023 (-16%) from 2012

Liabilities

Down

$851,288

Down $237,399 (-22%) from 2012

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin23rd percentile

Revenue

Down

$118,265

Down $14,805 (-11%) from 2012

Expenses

Down

$132,288

Down $57,808 (-30%) from 2012

Net Income

Up

-$14,023

Up $43,003 (+75%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth7th percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,590,896Liabilities 2010: $1,456,175Net Assets 2010: $134,7212010Assets 2011: $1,598,137Liabilities 2011: $1,455,797Net Assets 2011: $142,3402011Assets 2012: $1,174,000Liabilities 2012: $1,088,687Net Assets 2012: $85,3132012Assets 2013: $922,578Liabilities 2013: $851,288Net Assets 2013: $71,2902013Assets 2014: $881,270Liabilities 2014: $809,980Net Assets 2014: $71,2902014

Highlighted filing

2013

Assets$922,578
Liabilities$851,288
Net Assets$71,290
Open 2013 Filing

Operations Trend

Revenue Growth22nd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$200K$100K$0-$100KExpenses 2010: $160,3682010Expenses 2011: $141,0272011Revenue 2012: $133,070Expenses 2012: $190,096Net Income 2012: -$57,0262012Revenue 2013: $118,265Expenses 2013: $132,288Net Income 2013: -$14,0232013Revenue 2014: $119,219Expenses 2014: $119,219Net Income 2014: $02014

Highlighted filing

2013

Revenue$118,265
Expenses$132,288
Net Income-$14,023
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 18, 2014
Return Version
2013v3.1
Gross Receipts
$118,265
Mission and Program Overview

Mission

New mount zion credit union is a tcud cooperative thrift institution and is a member of the ncua. Its mission is to help its members through value-adding financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$787,699$511,721▼ $275,978
Savings and Temporary Cash Investments$205,258$198,037▼ $7,221
Investments Program Related$153,000$153,000→ $0
Rtn Earn Endowment Incm Other Fnds$85,313$71,290▼ $14,023
Receivables From Officers Etc-$37,201-
Prepaid Expenses and Deferred Charges$4,733$5,542▲ $809
Land, Buildings, and Equipment, Net$7,237$5,485▼ $1,752
Cash and Non-Interest-Bearing Accounts$1,530$754▼ $776
Total Assets$1,174,000$922,578▼ $251,422
Other Assets Total$14,543$10,838▼ $3,705
Liabilities
Unsecured Notes Loans Payable$1,083,833$847,916▼ $235,917
Accounts Payable and Accrued Expenses$4,854$3,372▼ $1,482
Total Liabilities$1,088,687$851,288▼ $237,399
Net Assets / Fund Balance
Total Net Assets Fund Balance$85,313$71,290▼ $14,023
Total Liabilities and Net Assets / Fund Balance$1,174,000$922,578▼ $251,422

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,485$71,816$77,301
Investment Program Related Org$153,000--
Other Assets Org$10,838--
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Jodie RobinsonChairman
Kelvin ChamberlainVice Chairman
Curtis MccartyDirector
Dwayne BrutonDirector
Greggory BarkerDirector
Henry Harris IiiDirector
J B WallaceDirector
J D JacksonDirector
Lozell CarterDirector
Michelle HolmesSecretary
Emmanuell BurrellTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$72,356
Program Service Revenue
$45,909
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-14,023
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$72,356
Other Expenses$59,932
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$67,214--$67,214
Office Expenses$32,543--$32,543
Payroll Taxes$5,142--$5,142
All Other Expenses$3,680--$3,680
Other Expenses$2,424--$2,424
Interest$2,043--$2,043
Insurance$777--$777
Advertising$720--$720
Fees for Services Other$660--$660
Conferences and Meetings$488--$488
Total Functional Expenses$132,288$0$0$132,288
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Jamaal RobinsonSon of One of the DirectorsJamaal Is a Paid Employee of the Credit UnionNo$27,362

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$37,201-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with family members
Yes
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990 governing body review Part VI line 11

“The 990 is made available to board members for review prior to filing.”

Governing documents etc available to public Part VI line 19

“All 990 tax returns are made available to the public upon request through the credit union manager.”

Filing and Contact Details

Filer

EIN
75-2871705

Signing Officer

Name
Iris Netters
Title
President
Phone
2143497613
Signed
2014-08-18
Discuss with paid preparer
Yes

Organization Details

Formed
2000
Legal Domicile
TX
Voting Board Members
11
Independent Board Members
11
Employees
0
Volunteers
11

Preparer

Preparer
Henry Harris Iii CPA
Phone
9727315050
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IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0JAMAAL IS A PAID EMPLOYEE OF THE CREDIT UNION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt03894
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt112951
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt220356
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt05530
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt133125
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt230798
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0HENRY HARRIS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1GREGGORY BARKER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2IRIS NETTERS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2EMPLOYEE
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE 990 IS MADE AVAILABLE TO BOARD MEMBERS FOR REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL 990 TAX RETURNS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST THROUGH THE CREDIT UNION MANAGER.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt0922578
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IRS990/TotalFunctionalExpensesGrp/TotalAmt0132288
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01088687
IRS990/TotalLiabilitiesEOYAmt0851288
IRS990/TotalLiabilitiesGrp/BOYAmt01088687
IRS990/TotalLiabilitiesGrp/EOYAmt0851288
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt085313
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt071290
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0527
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0527
IRS990/TotalProgramServiceExpensesAmt0132288
IRS990/TotalProgramServiceRevenueAmt045909
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt045909
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0118265
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01174000
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0922578
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt01083833
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0847916
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0IRIS NETTERS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02143497613
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-18
ReturnHeader/Filer/BusinessName/BusinessNameLine10NEW MOUNT ZION CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0NEWM
ReturnHeader/Filer/EIN0752871705
ReturnHeader/Filer/USAddress/AddressLine10P O BOX 742256
ReturnHeader/Filer/USAddress/City0DALLAS
ReturnHeader/Filer/USAddress/State0TX
ReturnHeader/Filer/USAddress/ZIPCode075374
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0262952073
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10ALTLAND & HARRIS FINANCIAL GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine105600 TENNYSON PKWY STE 210
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0PLANO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode075024
ReturnHeader/PreparerPersonGrp/PhoneNum09727315050
ReturnHeader/PreparerPersonGrp/PreparationDt02014-08-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0HENRY HARRIS III CPA

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$922,578
Liabilities
$851,288
Net assets
$71,290
Revenue
$118,265
Expenses
$132,288
Net income
-$14,023
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.88$0.81$0.07$0.12$0.12$0.00
2013Detailed filing. Detailed filing data is available for this year.$0.92$0.85$0.07$0.12$0.13$0.01
2012Summary only. Only limited summary data is available for this year.$1.17$1.09$0.09$0.13$0.19$0.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.60$1.46$0.14$0.14
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.59$1.46$0.13$0.16