Civic Intelligence

Springfield St Railway Employees Credit Union

990 • Fiscal year 2012 • EIN 04-1859607

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 30, 2013

Organization Profile
640 Page Boulevard01104
Siviq Scores

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

Liabilities / Assets

39th percentile

0.80x

Higher debt load relative to assets than 39% of similar nonprofits.

2012 filings • 501(c)14 • $1M-$5M 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

83rd percentile

9.7%

Faster asset growth than 83% of similar nonprofits.

2012 filings • 501(c)14 • $1M-$5M 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 / Assets39th percentile

Assets

Up

$1,645,295

Up $144,929 (+9.7%) from 2011

Net Assets

Up

$323,884

Up $12,728 (+4.1%) from 2011

Liabilities

Up

$1,321,411

Up $132,201 (+11%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$85,695

Down $20,497 (-19%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth83rd percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,573,914Liabilities 2010: $1,253,421Net Assets 2010: $320,4932010Assets 2011: $1,500,366Liabilities 2011: $1,189,210Net Assets 2011: $311,1562011Assets 2012: $1,645,295Liabilities 2012: $1,321,411Net Assets 2012: $323,8842012Assets 2013: $1,610,210Liabilities 2013: $1,273,153Net Assets 2013: $337,0572013Assets 2014: $1,556,650Liabilities 2014: $1,205,431Net Assets 2014: $351,2192014Assets 2015: $1,591,088Liabilities 2015: $1,233,125Net Assets 2015: $357,9632015Assets 2016: $1,558,795Liabilities 2016: $1,191,486Net Assets 2016: $367,3092016Assets 2017: $1,566,974Liabilities 2017: $1,196,390Net Assets 2017: $370,5842017Assets 2018: $1,575,190Liabilities 2018: $1,197,477Net Assets 2018: $377,7132018Assets 2019: $1,375,284Liabilities 2019: $1,013,066Net Assets 2019: $362,2182019Assets 2020: $1,405,600Liabilities 2020: $1,037,462Net Assets 2020: $368,1382020Assets 2021: $1,411,593Liabilities 2021: $1,049,824Net Assets 2021: $361,7692021Assets 2022: $1,412,170Liabilities 2022: $1,057,637Net Assets 2022: $354,5332022Assets 2023: $1,409,006Liabilities 2023: $1,080,672Net Assets 2023: $328,3342023Assets 2024: $1,173,205Liabilities 2024: $849,477Net Assets 2024: $323,7282024

Highlighted filing

2012

Assets$1,645,295
Liabilities$1,321,411
Net Assets$323,884
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150K$100K$50K$0-$50KExpenses 2010: $103,5552010Expenses 2011: $106,1922011Expenses 2012: $85,6952012Revenue 2013: $98,916Expenses 2013: $85,743Net Income 2013: $13,1732013Revenue 2014: $96,188Expenses 2014: $82,026Net Income 2014: $14,1622014Revenue 2015: $91,550Expenses 2015: $84,806Net Income 2015: $6,7442015Revenue 2016: $96,507Expenses 2016: $87,161Net Income 2016: $9,3462016Revenue 2017: $91,728Expenses 2017: $88,453Net Income 2017: $3,2752017Revenue 2018: $97,372Expenses 2018: $90,243Net Income 2018: $7,1292018Revenue 2019: $97,911Expenses 2019: $113,406Net Income 2019: -$15,4952019Revenue 2020: $88,844Expenses 2020: $82,924Net Income 2020: $5,9202020Revenue 2021: $80,966Expenses 2021: $87,335Net Income 2021: -$6,3692021Revenue 2022: $77,595Expenses 2022: $84,831Net Income 2022: -$7,2362022Revenue 2023: $86,903Expenses 2023: $113,102Net Income 2023: -$26,1992023Revenue 2024: $95,352Expenses 2024: $99,958Net Income 2024: -$4,6062024

Highlighted filing

2012

Revenue-
Expenses$85,695
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 30, 2013
Return Version
2012v2.1
Gross Receipts
$98,423
Mission and Program Overview

Mission

Provide banking services for members

Filing and Contact Details

Filer

EIN
04-1859607
Raw XML Appendix353 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/ReturnReference4Governing documents etc available to public Part VI line 19
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ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10425 UNION STREET STE C7
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0West Springfield
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode001089
ReturnHeader/Preparer/Name0THERESA H ROBERTSON
ReturnHeader/Preparer/Phone04137393411
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-02T17:38:45-04:00

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
$1,645,295
Liabilities
$1,321,411
Net assets
$323,884
Revenue
-
Expenses
$85,695
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.17$0.85$0.32$0.10$0.10$0.00
2023Detailed filing. Detailed filing data is available for this year.$1.41$1.08$0.33$0.09$0.11$0.03
2022Detailed filing. Detailed filing data is available for this year.$1.41$1.06$0.35$0.08$0.08$0.01
2021Detailed filing. Detailed filing data is available for this year.$1.41$1.05$0.36$0.08$0.09$0.01
2020Detailed filing. Detailed filing data is available for this year.$1.41$1.04$0.37$0.09$0.08$0.01
2019Detailed filing. Detailed filing data is available for this year.$1.38$1.01$0.36$0.10$0.11$0.02
2018Detailed filing. Detailed filing data is available for this year.$1.58$1.20$0.38$0.10$0.09$0.01
2017Detailed filing. Detailed filing data is available for this year.$1.57$1.20$0.37$0.09$0.09$0.00
2016Detailed filing. Detailed filing data is available for this year.$1.56$1.19$0.37$0.10$0.09$0.01
2015Detailed filing. Detailed filing data is available for this year.$1.59$1.23$0.36$0.09$0.08$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.56$1.21$0.35$0.10$0.08$0.01
2013Detailed filing. Detailed filing data is available for this year.$1.61$1.27$0.34$0.10$0.09$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.65$1.32$0.32$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.50$1.19$0.31$0.11
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.57$1.25$0.32$0.10