Civic Intelligence

Holyoke Credit Union

990 • Fiscal year 2012 • EIN 04-1448660

Jan 01, 2012 to Dec 31, 2012 • Filed on May 02, 2013

Organization Profilewww.holyokecu.com

View Organization Page

490 Westfield RoadSuite01040
Siviq Scores

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

Liabilities / Assets

41st percentile

0.89x

Higher debt load relative to assets than 41% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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

8th percentile

-2.1%

Faster asset growth than 8% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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 / Assets41st percentile

Assets

Down

$136,907,776

Down $2,878,509 (-2.1%) from 2011

Net Assets

Up

$15,444,007

Up $1,142,023 (+8.0%) from 2011

Liabilities

Down

$121,463,769

Down $4,020,532 (-3.2%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$8,229,228

Up $760,212 (+10%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth8th percentile

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

$300M$200M$100M$0Assets 2010: $134,894,896Liabilities 2010: $121,250,876Net Assets 2010: $13,644,0202010Assets 2011: $139,786,285Liabilities 2011: $125,484,301Net Assets 2011: $14,301,9842011Assets 2012: $136,907,776Liabilities 2012: $121,463,769Net Assets 2012: $15,444,0072012Assets 2013: $137,492,624Liabilities 2013: $121,843,823Net Assets 2013: $15,648,8012013Assets 2014: $145,435,131Liabilities 2014: $129,383,363Net Assets 2014: $16,051,7682014Assets 2015: $153,742,050Liabilities 2015: $137,056,950Net Assets 2015: $16,685,1002015Assets 2016: $182,703,080Liabilities 2016: $165,435,042Net Assets 2016: $17,268,0382016Assets 2017: $195,462,491Liabilities 2017: $177,594,603Net Assets 2017: $17,867,8882017Assets 2018: $196,145,655Liabilities 2018: $177,788,401Net Assets 2018: $18,357,2542018Assets 2019: $205,289,367Liabilities 2019: $185,777,709Net Assets 2019: $19,511,6582019Assets 2020: $227,078,051Liabilities 2020: $204,839,766Net Assets 2020: $22,238,2852020Assets 2021: $242,121,845Liabilities 2021: $220,863,049Net Assets 2021: $21,258,7962021Assets 2022: $254,372,424Liabilities 2022: $243,653,988Net Assets 2022: $10,718,4362022Assets 2023: $268,762,394Liabilities 2023: $255,541,291Net Assets 2023: $13,221,1032023Assets 2024: $290,153,007Liabilities 2024: $275,900,841Net Assets 2024: $14,252,1662024

Highlighted filing

2012

Assets$136,907,776
Liabilities$121,463,769
Net Assets$15,444,007
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$20M$15M$10M$5.0M$0Expenses 2010: $7,695,3452010Expenses 2011: $7,469,0162011Expenses 2012: $8,229,2282012Revenue 2013: $8,983,991Expenses 2013: $7,964,913Net Income 2013: $1,019,0782013Revenue 2014: $8,042,213Expenses 2014: $7,766,327Net Income 2014: $275,8862014Revenue 2015: $8,277,493Expenses 2015: $7,736,330Net Income 2015: $541,1632015Revenue 2016: $9,219,886Expenses 2016: $8,370,739Net Income 2016: $849,1472016Revenue 2017: $9,818,528Expenses 2017: $9,060,164Net Income 2017: $758,3642017Revenue 2018: $10,328,968Expenses 2018: $9,672,783Net Income 2018: $656,1852018Revenue 2019: $11,655,369Expenses 2019: $10,644,557Net Income 2019: $1,010,8122019Revenue 2020: $10,939,108Expenses 2020: $9,304,369Net Income 2020: $1,634,7392020Revenue 2021: $10,425,579Expenses 2021: $8,909,846Net Income 2021: $1,515,7332021Revenue 2022: $10,438,136Expenses 2022: $9,354,398Net Income 2022: $1,083,7382022Revenue 2023: $12,721,013Expenses 2023: $12,497,017Net Income 2023: $223,9962023Revenue 2024: $15,347,549Expenses 2024: $15,093,907Net Income 2024: $253,6422024

Highlighted filing

2012

Revenue-
Expenses$8,229,228
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 2, 2013
Return Version
2012v2.1
Gross Receipts
$9,494,480
Mission and Program Overview

Mission

CREDIT UNION

Filing and Contact Details

Filer

EIN
04-1448660
Raw XML AppendixShowing 400 of 444 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/Explanation1A BOARD MEMBER REVIEWS THE 990 BEFORE IT IS FILED.
IRS990ScheduleO/GeneralExplanation/Explanation2CHANGE IN UNREALIZED GAIN ON INVESTMENTS
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IRS990ScheduleO/GeneralExplanation/Identifier1SECTION B DISCLOSURE
IRS990ScheduleO/GeneralExplanation/Identifier2PART XI
IRS990ScheduleO/GeneralExplanation/Identifier3OTHER EXPENSES
IRS990ScheduleO/GeneralExplanation/Identifier4OTHER EXPENSES
IRS990ScheduleO/GeneralExplanation/Identifier5OTHER EXPENSES
IRS990ScheduleO/GeneralExplanation/ReturnReference0PART VI, SECTION C, QUESTION 19
IRS990ScheduleO/GeneralExplanation/ReturnReference1PART VI, SECTION B, 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference2NUMBER 5
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990 PART IX
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990 PART IX
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990 PART IX
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IRS990/TotalNbrEmployees058
IRS990/TotalNetAssetsFundBalances/BOY014301984
IRS990/TotalNetAssetsFundBalances/EOY015444007
IRS990/TotalOtherCompensation00
IRS990/TotalOtherRevenue00
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceExpense0657294
IRS990/TotalProgramServiceRevenue03564913
IRS990/TotalReportableCompFrmRltdOrgs00

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Filings

Displayed year

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

Open filing
Assets
$136,907,776
Liabilities
$121,463,769
Net assets
$15,444,007
Revenue
-
Expenses
$8,229,228
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$290$276$14.3$15.3$15.1$0.25
2023Detailed filing. Detailed filing data is available for this year.$269$256$13.2$12.7$12.5$0.22
2022Detailed filing. Detailed filing data is available for this year.$254$244$10.7$10.4$9.35$1.08
2021Detailed filing. Detailed filing data is available for this year.$242$221$21.3$10.4$8.91$1.52
2020Detailed filing. Detailed filing data is available for this year.$227$205$22.2$10.9$9.30$1.63
2019Detailed filing. Detailed filing data is available for this year.$205$186$19.5$11.7$10.6$1.01
2018Detailed filing. Detailed filing data is available for this year.$196$178$18.4$10.3$9.67$0.66
2017Detailed filing. Detailed filing data is available for this year.$195$178$17.9$9.82$9.06$0.76
2016Detailed filing. Detailed filing data is available for this year.$183$165$17.3$9.22$8.37$0.85
2015Detailed filing. Detailed filing data is available for this year.$154$137$16.7$8.28$7.74$0.54
2014Detailed filing. Detailed filing data is available for this year.$145$129$16.1$8.04$7.77$0.28
2013Detailed filing. Detailed filing data is available for this year.$137$122$15.6$8.98$7.96$1.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$137$121$15.4$8.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$140$125$14.3$7.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$135$121$13.6$7.70