Liabilities / Assets
69th percentile
Higher debt load relative to assets than 69% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.05x
Liabilities / Revenue
78th percentile
Higher debt load relative to revenue than 78% of similar nonprofits.
Net Margin
63rd percentile
Higher net margin than 63% of similar nonprofits.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
50th percentile
Faster asset growth than 50% of similar nonprofits.
Revenue Growth
65th percentile
Faster revenue growth than 65% of similar nonprofits.
Balance Sheet
Assets
Up$240,785
Up $3,808 (+1.6%) from 2012
Net Assets
$229,910
No earlier filing loaded for comparison.
Liabilities
Down$10,875
Down $11,770 (-52%) from 2012
Revenue And Expenses
Revenue
Up$166,839
Up $19,049 (+13%) from 2012
Expenses
Up$151,261
Up $102,116 (+208%) from 2012
Net Income
Down$15,578
Down $83,067 (-84%) from 2012
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Jul 16, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $166,839
Mission and Program Overview
Mission
Cusavers is a non-profit organization dedicated to educating members of the community on all things financial. Whether you are managing day-to-day expenses like saving, spending, and budgeting or planning for the future and retirement by investing, becoming a member is valuable.
To promote the education and benefits of saving.
Program Services
| Description | Grants | Expenses |
|---|---|---|
| FURNISHING UNBIASED, PERSONAL FINANCIAL INFORMATION TO MEMBERS IN THE FORM OF A QUARTERLY NEWSLETTER, PROMOTING THE EDUCATION AND BENEFITS OF SAVINGS, INVESTMENTS, AND RETIREMENT PLANNING. | $0 | $151,261 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| JOE BRANCUCCI | President | - | $0 | - | - |
| EC WILLIAMS | Secretary | - | $0 | - | - |
| BRIAN BEST | Vice President | - | $0 | - | - |
| BRAD BAKER | Treasurer | - | $0 | - | - |
Governance and Compliance
Governance Explanations
PART VI, LINE 49A, TRANSFERS TO NON-CHARITABLE RELATED ORGANIZATION:
“Cu savers, inc reimburses a related entity, gte federal credit union a cooperative association organized in accordance with the provisions of the federal credit union act, for expenses paid on its behalf.”
Filing and Contact Details
Filer
- EIN
- 03-0603264
- Phone
- 8138712690
Signing Officer
- Name
- Brad Baker
- Title
- Treasurer
- Phone
- 8138712690
- Signed
- 2014-07-16
- Discuss with paid preparer
- Yes
Preparer
- Preparer
- Kristine Hoeflin
- Phone
- 4252597227
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 8 - Other Revenue
“Description: expense reimbursements. Amount: 18,169.”
Form 990-ez, Part I, Line 16 - Other Expenses
“Description: shared services expense. Amount: 12,000. Description: insurance. Amount: 3,000. Description: data & communications. Amount: 6,000. Description: employee education. Amount: 17,024. Total to form 990-ez, line 16: 38,024.”
Form 990-ez, Part II, Line 24 - Other Assets
“Description: accounts receivable - due from gte. Beg. Of year amount: 236,964. End of year amount: 240,772.”
Form 990-ez, Part II, Line 26 - Other Liabilities
“Description: accounts payable. Beg. Of year amount: 22,645. End of year amount: 10,875.”
Raw XML Appendix166 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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|---|---|---|
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| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | ROLFE THOMPSON |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 8134142690 |
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| IRS990EZ/BooksInCareOfDetail/USAddress/City | 0 | TAMPA |
| IRS990EZ/BooksInCareOfDetail/USAddress/State | 0 | FL |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 33602 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 13 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 13 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 15578 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 27906 |
| IRS990EZ/FiledScheduleAInd | 0 | 1 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 236977 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 240785 |
| IRS990EZ/GrossReceiptsAmt | 0 | 166839 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVInd | 0 | X |
| IRS990EZ/LobbyingActivitiesInd | 0 | 0 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MembershipDuesAmt | 0 | 148670 |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 214332 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 229910 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 214332 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 229910 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 2400 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 1.00 |
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| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | JOE BRANCUCCI |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | EC WILLIAMS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | BRIAN BEST |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | BRAD BAKER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | SECRETARY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | VICE PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | TREASURER |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 0 |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 236964 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 240772 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 38024 |
| IRS990EZ/OtherRevenueTotalAmt | 0 | 18169 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | TO PROMOTE THE EDUCATION AND BENEFITS OF SAVING. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | FURNISHING UNBIASED, PERSONAL FINANCIAL INFORMATION TO MEMBERS IN THE FORM OF A QUARTERLY NEWSLETTER, PROMOTING THE EDUCATION AND BENEFITS OF SAVINGS, INVESTMENTS, AND RETIREMENT PLANNING. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 151261 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/RelatedOrgSect527OrgInd | 0 | 0 |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 82931 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | 0 |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 22645 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 10875 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TaxImposedOnOrganizationMgrAmt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4911Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4912Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4955Amt | 0 | 0 |
| IRS990EZ/TaxReimbursedByOrganizationAmt | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 151261 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 151261 |
| IRS990EZ/TotalRevenueAmt | 0 | 166839 |
| IRS990EZ/TransactionWithControlEntInd | 0 | 0 |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | 1 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | SEE SCHEDULE O |
| IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 148670 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 142485 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 18917 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 15549 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 34954 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 360575 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.00000 |
| IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearAmt | 0 | 18169 |
| IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus1YearAmt | 0 | 5305 |
| IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 12 |
| IRS990ScheduleA/OtherIncome509Grp/TotalAmt | 0 | 23486 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 0.93880 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 0.97940 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 360575 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 148670 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 142485 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 18917 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 15549 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 34954 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 360575 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 166839 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 147790 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 18917 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 15549 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 34966 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 384061 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DESCRIPTION: EXPENSE REIMBURSEMENTS. AMOUNT: 18,169. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: SHARED SERVICES EXPENSE. AMOUNT: 12,000. DESCRIPTION: INSURANCE. AMOUNT: 3,000. DESCRIPTION: DATA & COMMUNICATIONS. AMOUNT: 6,000. DESCRIPTION: EMPLOYEE EDUCATION. AMOUNT: 17,024. TOTAL TO FORM 990-EZ, LINE 16: 38,024. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | DESCRIPTION: ACCOUNTS RECEIVABLE - DUE FROM GTE. BEG. OF YEAR AMOUNT: 236,964. END OF YEAR AMOUNT: 240,772. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | DESCRIPTION: ACCOUNTS PAYABLE. BEG. OF YEAR AMOUNT: 22,645. END OF YEAR AMOUNT: 10,875. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | CU SAVERS, INC REIMBURSES A RELATED ENTITY, GTE FEDERAL CREDIT UNION A COOPERATIVE ASSOCIATION ORGANIZED IN ACCORDANCE WITH THE PROVISIONS OF THE FEDERAL CREDIT UNION ACT, FOR EXPENSES PAID ON ITS BEHALF. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | PART VI, LINE 49A, TRANSFERS TO NON-CHARITABLE RELATED ORGANIZATION: |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | BRAD BAKER |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | TREASURER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 8138712690 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-07-16 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | CU SAVERS INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | CUSA |
| ReturnHeader/Filer/EIN | 0 | 030603264 |
| ReturnHeader/Filer/PhoneNum | 0 | 8138712690 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 711 E HENDERSON AVE |
| ReturnHeader/Filer/USAddress/City | 0 | TAMPA |
| ReturnHeader/Filer/USAddress/State | 0 | FL |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 33602 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 910189318 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | MOSS ADAMS LLP |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | 2707 COLBY AVE SUITE 801 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City | 0 | EVERETT |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State | 0 | WA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode | 0 | 982013510 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 4252597227 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | KRISTINE HOEFLIN |
| ReturnHeader/ReturnTs | 0 | 2014-07-15T13:30:22-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2013-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2013-12-31 |
| ReturnHeader/TaxYr | 0 | 2013 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $240,785
- Liabilities
- $10,875
- Net assets
- $229,910
- Revenue
- $166,839
- Expenses
- $151,261
- Net income
- $15,578