Civic Intelligence

Community Credit Union

990 • Fiscal year 2012 • EIN 01-0206603

Jan 01, 2012 to Dec 31, 2012 • Filed on Jul 25, 2013

144 Pine Street04240
Siviq Scores

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

Liabilities / Assets

60th percentile

0.89x

Higher debt load relative to assets than 60% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

16th percentile

-0.3%

Faster asset growth than 16% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

Down

$43,093,977

Down $129,401 (-0.3%) from 2011

Net Assets

Up

$4,713,297

Up $283,254 (+6.4%) from 2011

Liabilities

Down

$38,380,680

Down $412,655 (-1.1%) from 2011

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$2,670,448

Down $95,753 (-3.5%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$150M$100M$50M$0Assets 2010: $44,627,744Liabilities 2010: $40,480,374Net Assets 2010: $4,147,3702010Assets 2011: $43,223,378Liabilities 2011: $38,793,335Net Assets 2011: $4,430,0432011Assets 2012: $43,093,977Liabilities 2012: $38,380,680Net Assets 2012: $4,713,2972012Assets 2013: $44,292,009Liabilities 2013: $39,312,657Net Assets 2013: $4,979,3522013Assets 2014: $44,788,554Liabilities 2014: $39,471,535Net Assets 2014: $5,317,0192014Assets 2015: $47,241,071Liabilities 2015: $41,815,659Net Assets 2015: $5,425,4122015Assets 2016: $50,674,532Liabilities 2016: $45,010,074Net Assets 2016: $5,664,4582016Assets 2017: $54,855,899Liabilities 2017: $48,956,542Net Assets 2017: $5,899,3572017Assets 2018: $58,667,089Liabilities 2018: $52,553,560Net Assets 2018: $6,113,5292018Assets 2019: $63,352,838Liabilities 2019: $57,007,648Net Assets 2019: $6,345,1902019Assets 2020: $80,177,074Liabilities 2020: $73,533,499Net Assets 2020: $6,643,5752020Assets 2021: $89,168,246Liabilities 2021: $80,140,869Net Assets 2021: $9,027,3772021Assets 2022: $94,739,366Liabilities 2022: $84,631,886Net Assets 2022: $10,107,4802022Assets 2023: $99,902,525Liabilities 2023: $89,010,106Net Assets 2023: $10,892,4192023Assets 2024: $110,687,344Liabilities 2024: $99,401,257Net Assets 2024: $11,286,0872024

Highlighted filing

2012

Assets$43,093,977
Liabilities$38,380,680
Net Assets$4,713,297

Operations Trend

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

$10M$5.0M$0Expenses 2010: $3,028,3142010Revenue 2011: $2,982,872Expenses 2011: $2,766,201Net Income 2011: $216,6712011Expenses 2012: $2,670,4482012Revenue 2013: $2,931,829Expenses 2013: $2,735,811Net Income 2013: $196,0182013Revenue 2014: $3,035,571Expenses 2014: $2,768,017Net Income 2014: $267,5542014Revenue 2015: $3,015,388Expenses 2015: $2,948,813Net Income 2015: $66,5752015Revenue 2016: $3,220,647Expenses 2016: $3,018,602Net Income 2016: $202,0452016Revenue 2017: $3,558,144Expenses 2017: $3,323,245Net Income 2017: $234,8992017Revenue 2018: $3,889,078Expenses 2018: $3,674,906Net Income 2018: $214,1722018Revenue 2019: $4,143,288Expenses 2019: $3,911,627Net Income 2019: $231,6612019Revenue 2020: $4,212,007Expenses 2020: $3,913,622Net Income 2020: $298,3852020Revenue 2021: $6,619,474Expenses 2021: $4,235,672Net Income 2021: $2,383,8022021Revenue 2022: $6,012,945Expenses 2022: $4,932,842Net Income 2022: $1,080,1032022Revenue 2023: $7,357,116Expenses 2023: $6,572,177Net Income 2023: $784,9392023Revenue 2024: $9,121,890Expenses 2024: $8,275,831Net Income 2024: $846,0592024

Highlighted filing

2012

Revenue-
Expenses$2,670,448
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Jul 25, 2013
Return Version
2012v2.1
Gross Receipts
$2,884,497
Mission and Program Overview

Mission

Community credit union is a member owned organization whose purpose is to provide convenient, quality, personalized service while maintaining financial stability.

Filing and Contact Details

Filer

EIN
01-0206603
Raw XML Appendix359 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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IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0MANAGEMENT HAS DETERMINED THAT THE CREDIT UNION DOES NOT HAVE ANY UNCERTAIN TAX POSITIONS AND ASSOCIATED UNRECOGNIZED BENEFITS THAT MATERIALLY IMPACT THE FINANCIAL STATEMENTS OR RELATED DISCLOSURES. SINCE TAX MATTERS ARE SUBJECT TO SOME DEGREE OF UNCERTAINTY, THERE CAN BE NO ASSURANCE THAT THE CREDIT UNION'S TAX RETURNS WILL NOT BE CHALLENGED BY THE TAXING AUTHORITIES. GENERALLY, THE CREDIT UNION'S TAX RETURNS REMAIN OPEN FOR THREE YEARS FOR FEDERAL INCOME TAX EXAMINATION.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0Description of Uncertain Tax Positions Under FIN 48:
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IRS990ScheduleO/GeneralExplanation/Explanation0THE ORGANIZATION IS A CREDIT UNION WHICH IS OWNED BY ITS MEMBERS
IRS990ScheduleO/GeneralExplanation/Explanation1THE MEMBERS OF THE CREDIT UNION MAY ELECT THE MEMBERS OF THE GOVERNING BODY (BOARD OF DIRECTORS)
IRS990ScheduleO/GeneralExplanation/Explanation2SOME DECISIONS MADE BY THE GOVERNING BODY (BOARD OF DIRECTORS) MAY NEED APPROVAL BY THE CREDIT UNION'S MEMBERS. EXAMPLES ARE A NAME CHANGE, MERGER AND CHANGE FROM STATE TO FEDERAL CHARTER. SOME OF THESE EXAMPLES ARE PART OF TITLE 9B OF THE BUREAU OF FINANCIAL INSTITUTIONS AND PART OF THE ORGANIZATIONS BYLAWS.
IRS990ScheduleO/GeneralExplanation/Explanation3THE SUPERVISORY COMMITTEE DOES KEEP MINUTES TO THEIR MEETINGS BUT DOES NOT HAVE THE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY (BOARD OF DIRECTORS)
IRS990ScheduleO/GeneralExplanation/Explanation4THE GOVERNING BODY (BOARD OF DIRECTORS) HAS GIVEN THE AUTHORITY OF APPROVING THE FORM 990 TO ITS CEO.
IRS990ScheduleO/GeneralExplanation/Explanation5THE CREDIT UNION REVIEWS CONFLICTS OF INTEREST ON AN ANNUAL BASIS
IRS990ScheduleO/GeneralExplanation/Explanation6THE CREDIT UNION USES COMP-EASE TO DETERMINE SALARY RANGES FOR ALL EMPLOYEES. FINAL APPROVAL IS DELEGATED TO THE EXECUTIVE COMMITTEE OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation7DOCUMENTS ARE MADE AVAILABLE UPON REQUEST
IRS990ScheduleO/GeneralExplanation/Explanation8ACCUMULATED OTHER COMP INCOME - POST RETIREMENT 69205.
IRS990ScheduleO/GeneralExplanation/Identifier0Changes in Net Assets or Fund Balances:
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section A, line 8b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, line 11
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Section B, line 15a
IRS990ScheduleO/GeneralExplanation/ReturnReference7Form 990, Part VI, Section C, line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference8Form 990, Part XI, line 9:
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IRS990/YearFormation01945
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0010206603
ReturnHeader/Filer/Name/BusinessNameLine10COMMUNITY CREDIT UNION
ReturnHeader/Filer/NameControl0COMM
ReturnHeader/Filer/Phone02077832096
ReturnHeader/Filer/USAddress/AddressLine10144 PINE STREET
ReturnHeader/Filer/USAddress/City0LEWISTON
ReturnHeader/Filer/USAddress/State0ME
ReturnHeader/Filer/USAddress/ZIPCode004240
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02013-07-25
ReturnHeader/Officer/Name0KERRY WOOD
ReturnHeader/Officer/Phone02077830296
ReturnHeader/Officer/Title0PRESIDENT/CEO
ReturnHeader/Preparer/DatePrepared02013-07-18
ReturnHeader/PreparerFirm/EIN0010448675
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10OUELLETTE & ASSOCIATES PA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine101111 LISBON STREET
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0LEWISTON
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0ME
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode004240
ReturnHeader/Preparer/Name0MARK R CARRIER CPA
ReturnHeader/Preparer/Phone02077860328
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-07-29T15:23:15-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$111$99.4$11.3$9.12$8.28$0.85
2023Detailed filing. Detailed filing data is available for this year.$99.9$89.0$10.9$7.36$6.57$0.78
2022Detailed filing. Detailed filing data is available for this year.$94.7$84.6$10.1$6.01$4.93$1.08
2021Detailed filing. Detailed filing data is available for this year.$89.2$80.1$9.03$6.62$4.24$2.38
2020Detailed filing. Detailed filing data is available for this year.$80.2$73.5$6.64$4.21$3.91$0.30
2019Detailed filing. Detailed filing data is available for this year.$63.4$57.0$6.35$4.14$3.91$0.23
2018Detailed filing. Detailed filing data is available for this year.$58.7$52.6$6.11$3.89$3.67$0.21
2017Detailed filing. Detailed filing data is available for this year.$54.9$49.0$5.90$3.56$3.32$0.23
2016Detailed filing. Detailed filing data is available for this year.$50.7$45.0$5.66$3.22$3.02$0.20
2015Detailed filing. Detailed filing data is available for this year.$47.2$41.8$5.43$3.02$2.95$0.07
2014Detailed filing. Detailed filing data is available for this year.$44.8$39.5$5.32$3.04$2.77$0.27
2013Detailed filing. Detailed filing data is available for this year.$44.3$39.3$4.98$2.93$2.74$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.1$38.4$4.71$2.67
2011Summary only. Only limited summary data is available for this year.$43.2$38.8$4.43$2.98$2.77$0.22
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.6$40.5$4.15$3.03