Civic Intelligence

Coastal New England Federal Credit Union

990 • Fiscal year 2012 • EIN 04-1801000

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 29, 2013

Organization ProfileN/A

View Organization Page

93 Union Street02740
Siviq Scores

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

Liabilities / Assets

68th percentile

0.89x

Higher debt load relative to assets than 68% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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

45th percentile

3.3%

Faster asset growth than 45% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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 / Assets68th percentile

Assets

Up

$17,112,143

Up $547,652 (+3.3%) from 2011

Net Assets

Up

$1,845,020

Up $12,395 (+0.7%) from 2011

Liabilities

Up

$15,267,123

Up $535,257 (+3.6%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$664,232

Down $140,638 (-17%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth45th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $17,215,702Liabilities 2010: $15,347,851Net Assets 2010: $1,867,8512010Assets 2011: $16,564,491Liabilities 2011: $14,731,866Net Assets 2011: $1,832,6252011Assets 2012: $17,112,143Liabilities 2012: $15,267,123Net Assets 2012: $1,845,0202012Assets 2013: $16,043,103Liabilities 2013: $14,238,452Net Assets 2013: $1,804,6512013Assets 2014: $16,436,736Liabilities 2014: $14,736,354Net Assets 2014: $1,700,3822014Assets 2015: $17,373,297Liabilities 2015: $15,715,786Net Assets 2015: $1,657,5112015Assets 2016: $16,759,929Liabilities 2016: $15,166,055Net Assets 2016: $1,593,8742016Assets 2017: $15,742,753Liabilities 2017: $14,288,342Net Assets 2017: $1,454,4112017Assets 2018: $15,751,234Liabilities 2018: $14,370,749Net Assets 2018: $1,380,4852018

Highlighted filing

2012

Assets$17,112,143
Liabilities$15,267,123
Net Assets$1,845,020
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0-$500KExpenses 2010: $921,5482010Expenses 2011: $804,8702011Expenses 2012: $664,2322012Revenue 2013: $609,347Expenses 2013: $649,716Net Income 2013: -$40,3692013Revenue 2014: $554,098Expenses 2014: $657,602Net Income 2014: -$103,5042014Revenue 2015: $602,180Expenses 2015: $619,876Net Income 2015: -$17,6962015Revenue 2016: $620,541Expenses 2016: $646,124Net Income 2016: -$25,5832016Revenue 2017: $645,037Expenses 2017: $795,113Net Income 2017: -$150,0762017Revenue 2018: $630,868Expenses 2018: $758,875Net Income 2018: -$128,0072018

Highlighted filing

2012

Revenue-
Expenses$664,232
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 29, 2013
Return Version
2012v2.0
Gross Receipts
$676,627
Mission and Program Overview

Mission

CREDIT UNION

Major Activities

Activity 2
Maintenance of member loan accounts. Number of loan accounts is 556.
Filing and Contact Details

Filer

EIN
04-1801000
Raw XML AppendixShowing 400 of 471 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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IRS990ScheduleL/LoanTable/NamePerson4TIMOTHY MITCHELL
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IRS990ScheduleL/LoanTable/PurposeOfLoan4PERSONAL LOAN
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IRS990ScheduleL/LoanTable/RelationshipWithOrganization2DIRECTOR
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IRS990ScheduleO/GeneralExplanation/Explanation0THE STATEMENT OF CONDITION IS POSTED IN THE LOBBY ANNUALLY. ALL OTHER INFORMATION IS AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation1COMPENSATION IS APPROVED BY THE BOARD AND BASED ON THE INDUSTRY.
IRS990ScheduleO/GeneralExplanation/Explanation2COMPENSATION IS APPROVED BY THE BOARD AND BASED ON THE INDUSTRY.
IRS990ScheduleO/GeneralExplanation/Explanation3THE TREASURER REVIEWS THE FORM 990 AND AN INDEPENDENT FIRM PREPARES THE FORM 990. THE FORM 990 WILL BE PRESENTED TO THE BOARD IN THE FUTURE.
IRS990ScheduleO/GeneralExplanation/Explanation4ANY CHANGES TO THE INCORPORATING DOCUMENTS,I.E. BYLAWS, ARE APPROVED BY THE MEMBERSHIP.
IRS990ScheduleO/GeneralExplanation/Explanation5Each member has a vote at the election of the board of directors.
IRS990ScheduleO/GeneralExplanation/Explanation6Persons 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 15b
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 15a
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 11b
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 7b
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990, Part VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier6Form 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 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
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IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1093 UNION STREET
IRS990/TheBooksAreInCareOf/AddressUS/City0NEW BEDFORD

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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
$17,112,143
Liabilities
$15,267,123
Net assets
$1,845,020
Revenue
-
Expenses
$664,232
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Summary only. Only limited summary data is available for this year.$15.8$14.4$1.38$0.63$0.76$0.13
2017Summary only. Only limited summary data is available for this year.$15.7$14.3$1.45$0.65$0.80$0.15
2016Detailed filing. Detailed filing data is available for this year.$16.8$15.2$1.59$0.62$0.65$0.03
2015Detailed filing. Detailed filing data is available for this year.$17.4$15.7$1.66$0.60$0.62$0.02
2014Detailed filing. Detailed filing data is available for this year.$16.4$14.7$1.70$0.55$0.66$0.10
2013Detailed filing. Detailed filing data is available for this year.$16.0$14.2$1.80$0.61$0.65$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.1$15.3$1.85$0.66
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.6$14.7$1.83$0.80
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.2$15.3$1.87$0.92