Civic Intelligence

Align Credit Union

990 • Fiscal year 2013 • EIN 04-1680140

Jan 01, 2013 to Dec 31, 2013

Organization ProfileWWW.ALIGNCU.ORG
Lowell, MA
Siviq Scores

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

Liabilities / Assets

36th percentile

0.89x

Higher debt load relative to assets than 36% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

80th percentile

21.85x

Higher debt load relative to revenue than 80% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

5th percentile

2.1%

Higher net margin than 5% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

15th percentile

0.6%

Faster asset growth than 15% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Balance Sheet
Liabilities / Assets36th percentile

Assets

Up

$546,495,467

Up $3,083,563 (+0.6%) from 2012

Net Assets

Down

$61,893,428

Down $10,685,602 (-15%) from 2012

Liabilities

Up

$484,602,039

Up $13,769,165 (+2.9%) from 2012

Revenue And Expenses
Liabilities / Revenue80th percentileNet Margin5th percentile

Revenue

$22,178,554

No earlier filing loaded for comparison.

Expenses

Down

$21,722,886

Down $472,721 (-2.1%) from 2012

Net Income

$455,668

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth15th percentile

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

$800M$600M$400M$200M$0Assets 2010: $518,011,481Liabilities 2010: $451,671,546Net Assets 2010: $66,339,9352010Assets 2011: $527,746,056Liabilities 2011: $458,650,728Net Assets 2011: $69,095,3282011Assets 2012: $543,411,904Liabilities 2012: $470,832,874Net Assets 2012: $72,579,0302012Assets 2013: $546,495,467Liabilities 2013: $484,602,039Net Assets 2013: $61,893,4282013Assets 2014: $561,341,429Liabilities 2014: $494,331,494Net Assets 2014: $67,009,9352014Assets 2015: $563,550,434Liabilities 2015: $494,911,079Net Assets 2015: $68,639,3552015Assets 2016: $583,705,638Liabilities 2016: $516,985,013Net Assets 2016: $66,720,6252016Assets 2017: $578,561,311Liabilities 2017: $509,688,097Net Assets 2017: $68,873,2142017Assets 2018: $571,266,691Liabilities 2018: $504,496,452Net Assets 2018: $66,770,2392018Assets 2019: $641,056,129Liabilities 2019: $566,044,617Net Assets 2019: $75,011,5122019Assets 2020: $692,602,330Liabilities 2020: $610,741,390Net Assets 2020: $81,860,9402020Assets 2021: $748,085,438Liabilities 2021: $673,453,305Net Assets 2021: $74,632,1332021Assets 2022: $703,539,071Liabilities 2022: $668,201,549Net Assets 2022: $35,337,5222022Assets 2023: $706,708,681Liabilities 2023: $668,987,920Net Assets 2023: $37,720,7612023Assets 2024: $669,475,106Liabilities 2024: $636,104,278Net Assets 2024: $33,370,8282024

Highlighted filing

2013

Assets$546,495,467
Liabilities$484,602,039
Net Assets$61,893,428
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$40M$20M$0-$20MExpenses 2010: $23,698,3852010Expenses 2011: $23,261,6192011Expenses 2012: $22,195,6072012Revenue 2013: $22,178,554Expenses 2013: $21,722,886Net Income 2013: $455,6682013Revenue 2014: $20,963,940Expenses 2014: $20,755,084Net Income 2014: $208,8562014Revenue 2015: $21,778,250Expenses 2015: $20,558,327Net Income 2015: $1,219,9232015Revenue 2016: $22,012,738Expenses 2016: $21,244,163Net Income 2016: $768,5752016Revenue 2017: $23,484,066Expenses 2017: $22,234,739Net Income 2017: $1,249,3272017Revenue 2018: $24,664,776Expenses 2018: $23,986,410Net Income 2018: $678,3662018Revenue 2019: $27,329,261Expenses 2019: $25,413,125Net Income 2019: $1,916,1362019Revenue 2020: $28,709,871Expenses 2020: $26,990,515Net Income 2020: $1,719,3562020Revenue 2021: $24,193,748Expenses 2021: $23,783,699Net Income 2021: $410,0492021Revenue 2022: $24,433,942Expenses 2022: $24,024,186Net Income 2022: $409,7562022Revenue 2023: $27,908,271Expenses 2023: $31,391,959Net Income 2023: -$3,483,6882023Revenue 2024: $29,485,904Expenses 2024: $38,156,747Net Income 2024: -$8,670,8432024

Highlighted filing

2013

Revenue$22,178,554
Expenses$21,722,886
Net Income$455,668
Open 2013 Filing
Filing Detail Status

This 2013 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)
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Mission and Program Overview

Mission

The credit union accept deposits and grant loans to its members. Benefit paid are dividends on deposit accounts and granting accessible credit to its members.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$546,495,467
Liabilities
$484,602,039
Net assets
$61,893,428
Revenue
$22,178,554
Expenses
$21,722,886
Net income
$455,668
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$669$636$33.4$29.5$38.2$8.67
2023Detailed filing. Detailed filing data is available for this year.$707$669$37.7$27.9$31.4$3.48
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$704$668$35.3$24.4$24.0$0.41
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$748$673$74.6$24.2$23.8$0.41
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$693$611$81.9$28.7$27.0$1.72
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$641$566$75.0$27.3$25.4$1.92
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$571$504$66.8$24.7$24.0$0.68
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$579$510$68.9$23.5$22.2$1.25
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$584$517$66.7$22.0$21.2$0.77
2015Detailed filing. Detailed filing data is available for this year.$564$495$68.6$21.8$20.6$1.22
2014Detailed filing. Detailed filing data is available for this year.$561$494$67.0$21.0$20.8$0.21
2013Summary only. Only limited summary data is available for this year.$546$485$61.9$22.2$21.7$0.46
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$543$471$72.6$22.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$528$459$69.1$23.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$518$452$66.3$23.7
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $250M-$1B nonprofits