Civic Intelligence

Everett Credit Union

990 • Fiscal year 2011 • EIN 04-1294830

Jan 01, 2011 to Dec 31, 2011 • Filed on Nov 14, 2012

Organization ProfileWWW.EVERETTCU.ORG

View Organization Page

650 Broadway02149
Siviq Scores

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

Liabilities / Assets

38th percentile

0.86x

Higher debt load relative to assets than 38% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

7th percentile

-4.5%

Faster asset growth than 7% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets38th percentile

Assets

Down

$46,222,683

Down $2,182,764 (-4.5%) from 2010

Net Assets

Up

$6,296,684

Up $42,742 (+0.7%) from 2010

Liabilities

Down

$39,925,999

Down $2,225,506 (-5.3%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,993,623

Down $230,382 (-10%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth7th percentile

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

$60M$40M$20M$0Assets 2010: $48,405,447Liabilities 2010: $42,151,505Net Assets 2010: $6,253,9422010Assets 2011: $46,222,683Liabilities 2011: $39,925,999Net Assets 2011: $6,296,6842011Assets 2012: $47,214,783Liabilities 2012: $40,794,237Net Assets 2012: $6,420,5462012Assets 2013: $44,584,222Liabilities 2013: $38,555,101Net Assets 2013: $6,029,1212013Assets 2014: $46,140,210Liabilities 2014: $39,832,372Net Assets 2014: $6,307,8382014Assets 2015: $45,351,342Liabilities 2015: $39,041,126Net Assets 2015: $6,310,2162015Assets 2016: $45,692,294Liabilities 2016: $39,362,999Net Assets 2016: $6,329,2952016Assets 2017: $48,074,883Liabilities 2017: $41,501,235Net Assets 2017: $6,573,6482017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2011

Assets$46,222,683
Liabilities$39,925,999
Net Assets$6,296,684
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0Expenses 2010: $2,224,0052010Expenses 2011: $1,993,6232011Expenses 2012: $1,758,7222012Revenue 2013: $1,820,341Expenses 2013: $1,779,875Net Income 2013: $40,4662013Revenue 2014: $1,782,882Expenses 2014: $1,752,349Net Income 2014: $30,5332014Revenue 2015: $1,839,577Expenses 2015: $1,750,780Net Income 2015: $88,7972015Revenue 2016: $1,819,063Expenses 2016: $1,695,247Net Income 2016: $123,8162016Revenue 2017: $1,865,072Expenses 2017: $1,620,703Net Income 2017: $244,3692017Revenue 2018: $1,447,818Expenses 2018: $1,340,656Net Income 2018: $107,1622018

Highlighted filing

2011

Revenue-
Expenses$1,993,623
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Nov 14, 2012
Return Version
2011v1.2
Gross Receipts
$2,065,720
Mission and Program Overview

Mission

To provide credit union services to its members.

Filing and Contact Details

Filer

EIN
04-1294830
Raw XML Appendix400 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 CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE.
IRS990ScheduleO/GeneralExplanation/Explanation2MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
IRS990ScheduleO/GeneralExplanation/Explanation3THE FORM 990 IS REVIEWED WITH THE ACCOUNTING MANAGER AND VP OF ADMINISTRATION. A COPY OF THE FORM 990 WILL BE PROVIDED TO THE BOARD OF DIRECTORS THROUGH EMAIL BEFORE IT IS FILED.
IRS990ScheduleO/GeneralExplanation/Explanation4THE POLICY IS DISTRIBUTED AND REVIEWED WITH STAFF AND BOARD OF DIRECTORS ANNUALLY AND IS UPDATED AS NEEDED.
IRS990ScheduleO/GeneralExplanation/Explanation5ECU PARTICIPATES IN THE SALARY SURVEY FACILATED BY THE NEW ENGLAND CREDIT UNION LEAGUE. SENIOR MANAGEMENT RECEIVES AND UTILIZES THE SALARY RANGE DATA PROVIDED FROM THE LEAGUE. THE PERFORMANCE EVALUATIONS ARE ALSO USED IN DETERMINING APPROPRIATE COMPENSATION.
IRS990ScheduleO/GeneralExplanation/Explanation6THE FINANCIAL STATEMENT IS POSTED IN THE MAIN LOBBY. THE STATEMENT OF FINANCIAL CONDITION REPORT IS PROVIDED TO THE MEMBERSHIP AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation7NET UNREALIZED LOSSES ON INVESTMENTS: -29,355.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
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ReturnHeader/Officer/Title0CHIEF EXECUTIVE OFFICER
ReturnHeader/Preparer/DatePrepared02012-11-13
ReturnHeader/PreparerFirm/EIN0043209238
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10WALSH & CO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10632A MAIN STREET
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0WINCHESTER
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode001890
ReturnHeader/Preparer/Name0MICHAEL J WALSH CPA
ReturnHeader/Preparer/Phone07817210295
ReturnHeader/Preparer/SelfEmployed0X
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-11-15T12:38:56-06:00

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$46,222,683
Liabilities
$39,925,999
Net assets
$6,296,684
Revenue
-
Expenses
$1,993,623
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.45$1.34$0.11
2017Detailed filing. Detailed filing data is available for this year.$48.1$41.5$6.57$1.87$1.62$0.24
2016Detailed filing. Detailed filing data is available for this year.$45.7$39.4$6.33$1.82$1.70$0.12
2015Detailed filing. Detailed filing data is available for this year.$45.4$39.0$6.31$1.84$1.75$0.09
2014Detailed filing. Detailed filing data is available for this year.$46.1$39.8$6.31$1.78$1.75$0.03
2013Detailed filing. Detailed filing data is available for this year.$44.6$38.6$6.03$1.82$1.78$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.2$40.8$6.42$1.76
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.2$39.9$6.30$1.99
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.4$42.2$6.25$2.22
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2011 filings • 501(c)14 • $25M-$50M nonprofits