Civic Intelligence

Light Commerce Credit Union

990 • Fiscal year 2012 • EIN 03-0505731

Jan 01, 2012 to Dec 31, 2012

Organization Profilewww.lightcommercecu.org
Houston, TX
Siviq Scores

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

Liabilities / Assets

46th percentile

0.83x

Higher debt load relative to assets than 46% of similar nonprofits.

2012 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2012

Liabilities / Revenue

98th percentile

7.51x

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

2012 filings • $1M-$5M nonprofits • Source year 2012

Net Margin

84th percentile

35%

Higher net margin than 84% of similar nonprofits.

2012 filings • $1M-$5M nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

2nd percentile

-22%

Faster asset growth than 2% of similar nonprofits.

2012 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2012

Balance Sheet
Liabilities / Assets46th percentile

Assets

Down

$2,345,395

Down $676,810 (-22%) from 2011

Net Assets

Up

$408,634

Up $88,939 (+28%) from 2011

Liabilities

Down

$1,936,761

Down $765,749 (-28%) from 2011

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin84th percentile

Revenue

$257,731

No earlier filing loaded for comparison.

Expenses

Up

$168,792

Up $7,216 (+4.5%) from 2011

Net Income

$88,939

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $2,323,064Liabilities 2010: $2,110,025Net Assets 2010: $213,0392010Assets 2011: $3,022,205Liabilities 2011: $2,702,510Net Assets 2011: $319,6952011Assets 2012: $2,345,395Liabilities 2012: $1,936,761Net Assets 2012: $408,6342012Assets 2013: $2,780,059Liabilities 2013: $2,312,346Net Assets 2013: $467,7132013Assets 2014: $2,570,447Liabilities 2014: $2,051,870Net Assets 2014: $518,5772014Assets 2015: $2,533,397Liabilities 2015: $1,993,124Net Assets 2015: $540,2732015Assets 2016: $2,826,535Liabilities 2016: $2,298,053Net Assets 2016: $528,4822016Assets 2017: $2,659,448Liabilities 2017: $2,118,011Net Assets 2017: $541,4372017Assets 2018: $2,854,006Liabilities 2018: $2,336,214Net Assets 2018: $517,7922018Assets 2019: $2,784,916Liabilities 2019: $2,193,143Net Assets 2019: $591,7732019Assets 2020: $3,870,513Liabilities 2020: $3,193,616Net Assets 2020: $676,8972020Assets 2021: $4,269,308Liabilities 2021: $3,457,079Net Assets 2021: $812,2292021Assets 2022: $4,360,265Liabilities 2022: $3,505,006Net Assets 2022: $855,2592022Assets 2023: $4,849,410Liabilities 2023: $3,878,504Net Assets 2023: $970,9062023Assets 2024: $4,923,056Liabilities 2024: $3,835,023Net Assets 2024: $1,088,0332024

Highlighted filing

2012

Assets$2,345,395
Liabilities$1,936,761
Net Assets$408,634
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$300K$200K$100K$0-$100KExpenses 2010: $169,6062010Expenses 2011: $161,5762011Revenue 2012: $257,731Expenses 2012: $168,792Net Income 2012: $88,9392012Revenue 2013: $216,521Expenses 2013: $157,442Net Income 2013: $59,0792013Revenue 2014: $173,586Expenses 2014: $122,722Net Income 2014: $50,8642014Revenue 2015: $164,806Expenses 2015: $143,110Net Income 2015: $21,6962015Revenue 2016: $166,460Expenses 2016: $157,049Net Income 2016: $9,4112016Revenue 2017: $165,153Expenses 2017: $152,198Net Income 2017: $12,9552017Revenue 2018: $192,108Expenses 2018: $215,753Net Income 2018: -$23,6452018Revenue 2019: $323,976Expenses 2019: $122,286Net Income 2019: $201,6902019Revenue 2020: $331,199Expenses 2020: $121,077Net Income 2020: $210,1222020Revenue 2021: $59,389Expenses 2021: $30,442Net Income 2021: $28,9472021Revenue 2022: $230,108Expenses 2022: $158,129Net Income 2022: $71,9792022Revenue 2023: $288,402Expenses 2023: $172,756Net Income 2023: $115,6462023Revenue 2024: $314,252Expenses 2024: $197,125Net Income 2024: $117,1272024

Highlighted filing

2012

Revenue$257,731
Expenses$168,792
Net Income$88,939
Open 2012 Filing
Filing Detail Status

This 2012 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

View Latest Detailed Filing (2024)
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Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Mission and Program Overview

Mission

Provide highest level of customer service. Emphasis on being responsive to member needs. Encourage better quality of life for our members producing a better quality cu through member education and competitive products.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$2,345,395
Liabilities
$1,936,761
Net assets
$408,634
Revenue
$257,731
Expenses
$168,792
Net income
$88,939
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.92$3.84$1.09$0.31$0.20$0.12
2023Detailed filing. Detailed filing data is available for this year.$4.85$3.88$0.97$0.29$0.17$0.12
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.36$3.51$0.86$0.23$0.16$0.07
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$4.27$3.46$0.81$0.06$0.03$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.87$3.19$0.68$0.33$0.12$0.21
2019Detailed filing. Detailed filing data is available for this year.$2.78$2.19$0.59$0.32$0.12$0.20
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.85$2.34$0.52$0.19$0.22$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.66$2.12$0.54$0.17$0.15$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.83$2.30$0.53$0.17$0.16$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.53$1.99$0.54$0.16$0.14$0.02
2014Detailed filing. Detailed filing data is available for this year.$2.57$2.05$0.52$0.17$0.12$0.05
2013Detailed filing. Detailed filing data is available for this year.$2.78$2.31$0.47$0.22$0.16$0.06
2012Summary only. Only limited summary data is available for this year.$2.35$1.94$0.41$0.26$0.17$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.02$2.70$0.32$0.16
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.32$2.11$0.21$0.17