Civic Intelligence

Covered Bridge Credit Union

EIN 03-0213363 • 501(c)14 • Windsor, VT

Profile

Credit Union services

P O Box 575Windsor, VT 05089

www.coveredbridgecu.com

Siviq Scores

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

Liabilities / Assets

91st percentile

0.92x

Higher debt load relative to assets than 91% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

67th percentile

18.38x

Higher debt load relative to revenue than 67% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

41st percentile

3.7%

Higher net margin than 41% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

21st percentile

$49,653

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 7.2% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Asset Growth

62nd percentile

1.6%

Faster asset growth than 62% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

54th percentile

7.7%

Faster revenue growth than 54% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets91st percentile

Assets

Up

$13,806,984

Up $223,768 (+1.6%) from 2013

Liabilities

Up

$12,694,023

Up $197,946 (+1.6%) from 2013

Net Assets

Up

$1,112,961

Up $25,822 (+2.4%) from 2013

Operations
Liabilities / Revenue67th percentileNet Margin41st percentile

Revenue

Up

$690,810

Up $49,269 (+7.7%) from 2013

Expenses

Down

$664,988

Down $9,697 (-1.4%) from 2013

Net Income

Up

$25,822

Up $58,966 (+178%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth62nd percentile

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

$15M$10M$5.0M$0Assets 2010: $12,580,964Liabilities 2010: $11,555,573Net Assets 2010: $1,025,3912010Assets 2011: $13,051,450Liabilities 2011: $11,951,525Net Assets 2011: $1,099,9252011Assets 2012: $13,529,921Liabilities 2012: $12,409,638Net Assets 2012: $1,120,2832012Assets 2013: $13,583,216Liabilities 2013: $12,496,077Net Assets 2013: $1,087,1392013Assets 2014: $13,806,984Liabilities 2014: $12,694,023Net Assets 2014: $1,112,9612014

Highlighted filing

2014

Assets$13,806,984
Liabilities$12,694,023
Net Assets$1,112,961
Open 2014 Filing

Operations Trend

Revenue Growth54th percentile

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $522,4262010Expenses 2011: $522,4062011Revenue 2012: $598,062Expenses 2012: $577,704Net Income 2012: $20,3582012Revenue 2013: $641,541Expenses 2013: $674,685Net Income 2013: -$33,1442013Revenue 2014: $690,810Expenses 2014: $664,988Net Income 2014: $25,8222014

Highlighted filing

2014

Revenue$690,810
Expenses$664,988
Net Income$25,822
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,806,984
Liabilities
$12,694,023
Net assets
$1,112,961
Revenue
$690,810
Expenses
$664,988
Net income
$25,822
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$13.8$12.7$1.11$0.69$0.66$0.03
2013Detailed filing. Detailed filing data is available for this year.$13.6$12.5$1.09$0.64$0.67$0.03
2012Summary only. Only limited summary data is available for this year.$13.5$12.4$1.12$0.60$0.58$0.02
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.1$12.0$1.10$0.52
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.6$11.6$1.03$0.52
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 18, 2015
Return Version
2014v5.0
Gross Receipts
$690,810
Mission and Program Overview

Mission

Credit Union services

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$6,374,640$7,030,262▲ $655,622
Other Notes and Loans Receivable, Net$5,811,150$5,725,566▼ $85,584
Rtn Earn Endowment Incm Other Fnds$1,087,139$1,112,961▲ $25,822
Cash and Non-Interest-Bearing Accounts$921,640$645,018▼ $276,622
Land, Buildings, and Equipment, Net$302,301$295,730▼ $6,571
Prepaid Expenses and Deferred Charges$30,213$25,601▼ $4,612
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc-$0-
Investments Other Securities$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$13,583,216$13,806,984▲ $223,768
Other Assets Total$143,272$84,807▼ $58,465
Liabilities
Other Liabilities$12,451,141$12,642,109▲ $190,968
Accounts Payable and Accrued Expenses$44,936$51,914▲ $6,978
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$12,496,077$12,694,023▲ $197,946
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,087,139$1,112,961▲ $25,822
Total Liabilities and Net Assets / Fund Balance$13,583,216$13,806,984▲ $223,768

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$192,547$11,318$0
Other Land Buildings$0$0$0
Land$30,000-$0
Equipment$73,183$25,533$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Joyce HasbrouckTreasurerFT$49,653$49,653

Board Members and Trustees

NameTitle
Wallace OsgoodPresident
Linda J KidderVice President
Edward WishinskiDirector
George CaccavaroDirector
Michael LevesqueDirector
Elizabeth RyanSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$601,355
Investment Income
$81,504
Other Revenue
$7,951
Change in Net Assets
$25,822
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$347,301
Salaries, Compensation, and Employee Benefits$237,812
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$137,342
Office Expenses---$104,206
Benefits to Members---$79,875
Current Officers, Directors, Trustees, and Key Employees---$51,183
Depreciation Depletion---$36,850
Fees for Services Other---$36,513
Other Employee Benefits---$30,320
Occupancy---$20,863
Insurance---$15,773
Payroll Taxes---$15,259
Advertising---$9,341
Pension Plan Contributions---$3,708
Conferences and Meetings---$3,537
Other Expenses---$1,299
Travel---$625
Interest---$107
Total Functional Expenses$0$0$0$664,988
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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares & Clubs$7,115,443
Share Certificates$1,991,406
Share Drafts$1,854,175
Member IRAs$1,681,085
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has members, not shareholders.”

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

“The Board of Directors is elected by the membership at the annual meeting held in the spring of each year.”

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

“Borrowing power is voted upon by the membership at the annual meeting.”

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

“The 990 form is prepared by the CEO and reviewed by a Board member prior to the filing of the return.”

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

“Our conflict of interest policy is updated annually by the Board of Directors. Any instances that would create a conflict of interest are reported to the Board as they occur.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the Credit Union lobby. Statements and all policies are available for member review at their request.”

Filing and Contact Details

Filer

Filer Name
Covered Bridge Credit Union
EIN
03-0213363
Phone
8026742508
Address
P O Box 575, Windsor, VT 05089

Signing Officer

Name
Joyce Hasbrouck
Title
CEO
Phone
8026741040
Signed
2015-04-18

Organization Details

Principal Officer
Joyce Hasbrouck
Formed
1961
Legal Domicile
Vt
Voting Board Members
7
Independent Board Members
0
Employees
8
Volunteers
8
Raw XML AppendixShowing 400 of 463 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/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0409651
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1185625
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt26079
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0409651
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1185625
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt26079
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0Incidental fees assessed to members using particular credit union servcies to cover operating costs
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYRevenuesLessExpensesAmt00
IRS990/PYTotalExpensesAmt00
IRS990/PYTotalRevenueAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt025822
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01087139
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01112961
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06374640
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07030262
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0192547
IRS990ScheduleD/BuildingsGrp/DepreciationAmt011318
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0203865
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt073183
IRS990ScheduleD/EquipmentGrp/DepreciationAmt025533
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt098716
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt030000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt030000
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/Amt07115443
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11854175
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21681085
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31991406
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Regular Shares & Clubs
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Share Drafts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Member IRAs
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Share Certificates
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0295730
IRS990ScheduleD/TotalLiabilityAmt012642109
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt013047
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt123981
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt223070
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt36015
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt023837
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt139214
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt223191
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt310593
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Michael Levesque
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Michael Levesque
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Michael Levesque
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Edward Wishinski
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/TotalBalanceDueAmt066113
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union has members, not shareholders.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors is elected by the membership at the annual meeting held in the spring of each year.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Borrowing power is voted upon by the membership at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The 990 form is prepared by the CEO and reviewed by a Board member prior to the filing of the return.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Our conflict of interest policy is updated annually by the Board of Directors. Any instances that would create a conflict of interest are reported to the Board as they occur.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Financial statements are posted in the Credit Union lobby. Statements and all policies are available for member review at their 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 A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0VT
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt013583216
IRS990/TotalAssetsEOYAmt013806984
IRS990/TotalAssetsGrp/BOYAmt013583216
IRS990/TotalAssetsGrp/EOYAmt013806984
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00

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