Civic Intelligence

Covered Bridge Credit Union

990 • Fiscal year 2013 • EIN 03-0213363

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 12, 2014

Organization Profilewww.coveredbridgecu.com
P O Box 57505089

(802) 674-1040

Siviq Scores

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

Liabilities / Assets

91st percentile

0.92x

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

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

48th percentile

19.48x

Higher debt load relative to revenue than 48% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

19th percentile

-5.2%

Higher net margin than 19% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

18th percentile

$42,353

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 6.6% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

39th percentile

0.4%

Faster asset growth than 39% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

55th percentile

7.3%

Faster revenue growth than 55% of similar nonprofits.

2013 filings • $10M-$25M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets91st percentile

Assets

Up

$13,583,216

Up $53,295 (+0.4%) from 2012

Net Assets

Down

$1,087,139

Down $33,144 (-3.0%) from 2012

Liabilities

Up

$12,496,077

Up $86,439 (+0.7%) from 2012

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin19th percentile

Revenue

Up

$641,541

Up $43,479 (+7.3%) from 2012

Expenses

Up

$674,685

Up $96,981 (+17%) from 2012

Net Income

Down

-$33,144

Down $53,502 (-263%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth39th percentile

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

$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

2013

Assets$13,583,216
Liabilities$12,496,077
Net Assets$1,087,139
Open 2013 Filing

Operations Trend

Revenue Growth55th percentile

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$641,541
Expenses$674,685
Net Income-$33,144
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 12, 2014
Return Version
2013v3.0
Gross Receipts
$641,541
Mission and Program Overview

Mission

Credit Union services

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$6,696,095$6,374,640▼ $321,455
Other Notes and Loans Receivable, Net$5,990,768$5,811,150▼ $179,618
Rtn Earn Endowment Incm Other Fnds$1,120,283$1,087,139▼ $33,144
Cash and Non-Interest-Bearing Accounts$512,302$921,640▲ $409,338
Land, Buildings, and Equipment, Net$289,554$302,301▲ $12,747
Prepaid Expenses and Deferred Charges$12,156$30,213▲ $18,057
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$13,529,921$13,583,216▲ $53,295
Other Assets Total$29,046$143,272▲ $114,226
Liabilities
Other Liabilities$12,383,082$12,451,141▲ $68,059
Accounts Payable and Accrued Expenses$26,556$44,936▲ $18,380
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$12,409,638$12,496,077▲ $86,439
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,120,283$1,087,139▼ $33,144
Total Liabilities and Net Assets / Fund Balance$13,529,921$13,583,216▲ $53,295

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$204,681$12,099$0
Other Land Buildings$0$0$0
Land$30,000-$0
Equipment$67,620$18,972$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay18th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Joyce HasbrouckTreasurerFT$42,353$42,353

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
$546,941
Investment Income
$87,172
Other Revenue
$7,428
Change in Net Assets
$-33,144
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$338,994
Salaries, Compensation, and Employee Benefits$247,000
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$130,696
Benefits to Members---$88,691
Office Expenses---$87,200
Current Officers, Directors, Trustees, and Key Employees---$57,973
Other Employee Benefits---$37,573
Fees for Services Other---$35,345
Depreciation Depletion---$31,072
Occupancy---$25,028
Payroll Taxes---$15,404
Insurance---$12,731
Advertising---$5,607
Pension Plan Contributions---$5,354
Conferences and Meetings---$1,990
Travel---$1,418
Other Expenses---$632
Interest---$218
Total Functional Expenses$0$0$0$674,685
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
Shares & Clubs$6,977,127
Share Certificates$2,244,378
Share Drafts$1,654,188
Member IRAs$1,575,448
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 members 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 is prepared by the CEO and reviewed by a board member prior to filing of the form.”

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

EIN
03-0213363
Phone
8026741040

Signing Officer

Name
Joyce Hasbrouck
Title
CEO
Phone
8026741040
Signed
2014-04-12

Organization Details

Principal Officer
Joyce Hasbrouck
Formed
1961
Legal Domicile
Vt
Voting Board Members
7
Independent Board Members
0
Employees
8
Volunteers
8
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 2

“We added a courtesy pay program in August of 2013.”

Raw XML AppendixShowing 400 of 503 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/ProgSrvcAccomActy2Grp/Desc0Incidental fees assessed to members using particular credit union servcies to cover operating costs
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0100128
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt066219
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0232014
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0531843
IRS990/PYRevenuesLessExpensesAmt020358
IRS990/PYSalariesCompEmpBnftPaidAmt0245562
IRS990/PYTotalExpensesAmt0577704
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0598062
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-33144
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/BOYAmt01120283
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01087139
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06696095
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06374640
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0204681
IRS990ScheduleD/BuildingsGrp/DepreciationAmt012099
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0216780
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt067620
IRS990ScheduleD/EquipmentGrp/DepreciationAmt018972
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt086592
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/Amt06977127
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11654188
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22244378
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31575448
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares & Clubs
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Share Drafts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Member IRAs
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0302301
IRS990ScheduleD/TotalLiabilityAmt012451141
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt02857
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt12626
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt27358
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt35283
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt416879
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt530120
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt63170
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Share Secured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Line of Credit
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt017454
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt12991
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt216000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt323841
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt423837
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt539214
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt616301
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0George Caccavaro Jr
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Joyce Hasbrouck
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Joyce Hasbrouck
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Michael Levesque
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Michael Levesque
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Michael Levesque
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6Wallace Osgood
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CEO, Treasurer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2CEO, Treasurer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6President

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$13,583,216
Liabilities
$12,496,077
Net assets
$1,087,139
Revenue
$641,541
Expenses
$674,685
Net income
-$33,144
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