Smart Financial Credit Union
| Fiscal year | Revenue | Expenses | Net | Reserve mo. | Staff % |
|---|---|---|---|---|---|
| 2011 | 34,797,987 | 32,064,810 | 2,733,177 | 13.0 | 34% |
| 2012 | 35,791,133 | 31,262,591 | 4,528,542 | 15.6 | 37% |
| 2013 | 36,619,666 | 32,880,433 | 3,739,233 | 17.8 | 37% |
| 2014 | 37,312,735 | 34,812,269 | 2,500,466 | 16.8 | 40% |
| 2015 | 40,989,328 | 35,701,426 | 5,287,902 | 17.1 | 40% |
| 2016 | 41,376,873 | 39,474,333 | 1,902,540 | 16.2 | 36% |
| 2017 | 41,143,914 | 38,926,554 | 2,217,360 | 17.0 | 37% |
| 2018 | 42,899,533 | 38,353,223 | 4,546,310 | 19.6 | 38% |
| 2019 | 43,400,030 | 39,560,547 | 3,839,483 | 19.4 | 36% |
| 2020 | 37,952,681 | 38,345,111 | −392,430 | 19.0 | 35% |
| 2021 | 34,269,474 | 30,250,714 | 4,018,760 | 27.2 | 44% |
| 2022 | 39,299,069 | 34,267,295 | 5,031,774 | 22.4 | 42% |
| 2023 | 46,366,482 | 43,302,703 | 3,063,779 | 20.0 | 37% |
In its most recent public year (2023), this organization brought in $3,063,779 more than it spent. Its reserves stood at about 20 months of spending, up from 13 in 2011. Staff pay was 37% of spending.
Reserve months = net assets ÷ average monthly spending; net assets count everything the organization owns beyond its debts — buildings and donor-restricted funds included, not just cash. Staff pay = salaries, wages, and officer compensation; it excludes benefits and payroll taxes. The IRS releases this data years after the fact — this organization's newest public year is 2023. Years refer to the calendar year in which the organization's fiscal year ended. Short-form filers do not publicly report donor-restricted balances or staffing costs. Source filings
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