Civic Intelligence

First Choice Credit Union

990 • Fiscal year 2012 • EIN 04-1282555

Jan 01, 2012 to Dec 31, 2012 • Filed on Aug 14, 2013

Organization ProfileN/A

View Organization Page

55 Marston Street01841
Siviq Scores

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

Liabilities / Assets

40th percentile

0.84x

Higher debt load relative to assets than 40% of similar nonprofits.

2012 filings • 501(c)14 • $5M-$10M 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

72nd percentile

4.6%

Faster asset growth than 72% of similar nonprofits.

2012 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets40th percentile

Assets

Up

$8,016,997

Up $353,212 (+4.6%) from 2011

Net Assets

Up

$1,313,814

Up $35,408 (+2.8%) from 2011

Liabilities

Up

$6,703,183

Up $317,804 (+5.0%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$300,372

Up $10,136 (+3.5%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth72nd percentile

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

$10M$5.0M$0Assets 2011: $7,663,785Liabilities 2011: $6,385,379Net Assets 2011: $1,278,4062011Assets 2012: $8,016,997Liabilities 2012: $6,703,183Net Assets 2012: $1,313,8142012Assets 2013: $8,678,006Liabilities 2013: $7,382,729Net Assets 2013: $1,295,2772013Assets 2014: $8,313,326Liabilities 2014: $7,122,042Net Assets 2014: $1,191,2842014

Highlighted filing

2012

Assets$8,016,997
Liabilities$6,703,183
Net Assets$1,313,814
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$200K$0-$200KExpenses 2011: $290,2362011Expenses 2012: $300,3722012Revenue 2013: $295,747Expenses 2013: $314,284Net Income 2013: -$18,5372013Revenue 2014: $272,989Expenses 2014: $376,982Net Income 2014: -$103,9932014

Highlighted filing

2012

Revenue-
Expenses$300,372
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Aug 14, 2013
Return Version
2012v2.0
Gross Receipts
$335,780
Mission and Program Overview

Mission

Credit union - thrift services

Major Activities

Activity 2
Making loans to members at interest. Number of accounts 432.
Filing and Contact Details

Filer

EIN
04-1282555
Raw XML AppendixShowing 400 of 489 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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IRS990ScheduleO/GeneralExplanation/Explanation0THE FINANCIAL STATEMENTS ARE POSTED IN EACH CREDIT UNION'S OFFICE LOBBY FOR EACH MONTH END. GOVERNING DOCUMENTS AND POLICIES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation1BASED ON EARNINGS AND INDUSTRY.
IRS990ScheduleO/GeneralExplanation/Explanation2THE 990 IS PREPARED BY AN OUTSIDE ACCOUNTANT. THE MANAGER WILL REVIEW THE RETURN PRIOR TO FILING.
IRS990ScheduleO/GeneralExplanation/Explanation3Persons who meet the requirements of the organization's field of membership who hold at least one share of the capital.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Line 15a
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 11b
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$8,016,997
Liabilities
$6,703,183
Net assets
$1,313,814
Revenue
-
Expenses
$300,372
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$8.31$7.12$1.19$0.27$0.38$0.10
2013Detailed filing. Detailed filing data is available for this year.$8.68$7.38$1.30$0.30$0.31$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.02$6.70$1.31$0.30
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.66$6.39$1.28$0.29