Civic Intelligence

Arrha Credit Union

990 • Fiscal year 2012 • EIN 04-1859690

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

Organization ProfileWWW.ARRHACU.COM

View Organization Page

145 Industry Avenue01104
Siviq Scores

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

Liabilities / Assets

78th percentile

0.91x

Higher debt load relative to assets than 78% 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

19th percentile

0.7%

Faster asset growth than 19% 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 / Assets78th percentile

Assets

Up

$113,287,865

Up $804,821 (+0.7%) from 2011

Net Assets

Up

$9,650,178

Up $515,177 (+5.6%) from 2011

Liabilities

Up

$103,637,687

Up $289,644 (+0.3%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$4,998,546

Down $570,285 (-10%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth19th percentile

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

$200M$150M$100M$50M$0Assets 2008: $95,353,711Liabilities 2008: $86,694,000Net Assets 2008: $8,659,7112008Assets 2010: $110,096,236Liabilities 2010: $102,051,621Net Assets 2010: $8,044,6152010Assets 2011: $112,483,044Liabilities 2011: $103,348,043Net Assets 2011: $9,135,0012011Assets 2012: $113,287,865Liabilities 2012: $103,637,687Net Assets 2012: $9,650,1782012Assets 2013: $115,908,009Liabilities 2013: $106,166,990Net Assets 2013: $9,741,0192013Assets 2014: $119,099,823Liabilities 2014: $108,376,116Net Assets 2014: $10,723,7072014Assets 2015: $121,280,949Liabilities 2015: $110,307,029Net Assets 2015: $10,973,9202015Assets 2016: $129,667,665Liabilities 2016: $118,744,921Net Assets 2016: $10,922,7442016Assets 2017: $129,895,386Liabilities 2017: $119,002,697Net Assets 2017: $10,892,6892017Assets 2018: $137,935,411Liabilities 2018: $126,930,917Net Assets 2018: $11,004,4942018Assets 2019: $132,123,310Liabilities 2019: $120,849,489Net Assets 2019: $11,273,8212019Assets 2020: $140,599,967Liabilities 2020: $129,078,897Net Assets 2020: $11,521,0702020Assets 2021: $139,155,575Liabilities 2021: $126,936,009Net Assets 2021: $12,219,5662021Assets 2022: $135,616,748Liabilities 2022: $123,605,208Net Assets 2022: $12,011,5402022Assets 2023: $138,908,918Liabilities 2023: $126,481,158Net Assets 2023: $12,427,7602023Assets 2024: $148,969,844Liabilities 2024: $136,547,616Net Assets 2024: $12,422,2282024Assets 2025: $159,059,488Liabilities 2025: $148,344,210Net Assets 2025: $10,715,2782025

Highlighted filing

2012

Assets$113,287,865
Liabilities$103,637,687
Net Assets$9,650,178
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$10M$5.0M$0-$5.0MExpenses 2008: $7,075,2362008Expenses 2010: $6,215,6432010Expenses 2011: $5,568,8312011Expenses 2012: $4,998,5462012Revenue 2013: $5,167,494Expenses 2013: $4,567,026Net Income 2013: $600,4682013Revenue 2014: $4,910,150Expenses 2014: $4,271,233Net Income 2014: $638,9172014Revenue 2015: $4,913,853Expenses 2015: $4,738,487Net Income 2015: $175,3662015Revenue 2016: $5,102,087Expenses 2016: $5,016,279Net Income 2016: $85,8082016Revenue 2017: $5,176,938Expenses 2017: $5,288,279Net Income 2017: -$111,3412017Revenue 2018: $5,182,233Expenses 2018: $4,943,089Net Income 2018: $239,1442018Revenue 2019: $5,566,826Expenses 2019: $5,576,602Net Income 2019: -$9,7762019Revenue 2020: $5,186,719Expenses 2020: $5,001,491Net Income 2020: $185,2282020Revenue 2021: $5,800,090Expenses 2021: $4,891,198Net Income 2021: $908,8922021Revenue 2022: $5,387,291Expenses 2022: $4,745,007Net Income 2022: $642,2842022Revenue 2023: $5,998,206Expenses 2023: $5,725,068Net Income 2023: $273,1382023Revenue 2024: $6,925,963Expenses 2024: $7,110,615Net Income 2024: -$184,6522024Revenue 2025: $8,019,673Expenses 2025: $9,989,372Net Income 2025: -$1,969,6992025

Highlighted filing

2012

Revenue-
Expenses$4,998,546
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
$10,065,150
Mission and Program Overview

Mission

Assist our members in reaching their financial goals by providing superior products and services in a personalized manner.

Filing and Contact Details

Filer

EIN
04-1859690
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IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0MICHAEL OSTROWSKI
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg01152
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/Title0PRESIDENT AND CEO
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0159033
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SupplementalNonqualRetirePlan00
IRS990ScheduleJ/WrittenEmploymentContract0X
IRS990ScheduleO/GeneralExplanation/Explanation0DEPOSITORS WITH A MINIMUM BALANCE OF $25 IN THEIR SAVINGS ACCOUNT ARE MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE BOARD OF DIRECTORS ARE VOTED BY THE MEMBERS AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation2ELECTION OF DIRECTORS, CHARTER CHANGES AND MERGERS REQUIRE A VOTE BY THE MEMBERS IN PERSON.
IRS990ScheduleO/GeneralExplanation/Explanation3THE BOARD OF DIRECTORS HAS DELEGATED AUTHORITY FOR THE REVIEW OF THE FORM 990 TO THE CHIEF FINANCIAL OFFICER (CFO) AND CHIEF EXECUTIVE OFFICER (CEO). THE CFO ENGAGES THE SERVICES OF AN INDEPENDENT ACCOUNTING FIRM FOR THE PREPARATION OF THE FORM 990. UPON COMPLETION, THE FORM 990 IS REVIEWED BY THE CFO AND CEO, SIGNED BY THE CEO AND FILED WITH THE IRS. A COPY OF THE FORM 990 IS PROVIDED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW AFTER THE FORM 990 HAS BEEN FILED.
IRS990ScheduleO/GeneralExplanation/Explanation4THE CREDIT UNION USES COMPENSATION SURVEY'S FOR GENERAL PAY SCALES AND FOR COMPARABLE COMPENSATION FOR SIMILAR PERSONS. THE BOARD OF DIRECTORS ARE REQUIRED TO APPROVE THE COMPENSATION AGREEMENTS AT MEETINGS OF WHICH RECORDS ARE KEPT.
IRS990ScheduleO/GeneralExplanation/Explanation5FINANCIAL STATEMENTS ARE POSTED MONTHLY IN THE LOBBY OF THE CREDIT UNION. THE CREDIT UNION DOES NOT MAKE ITS GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY AVAILABLE TO THE GENERAL PUBLIC.
IRS990ScheduleO/GeneralExplanation/Explanation6THE AUDIT COMMITTEE IS RESPONSIBLE FOR THE APPROVAL AND SELECTION OF THE INDEPENDENT AUDITORS. THE AUDIT COMMITTEE OVERSEES THE AUDIT PROCESS AND APPROVES THE AUDITED FINANCIAL STATEMENTS ON BEHALF OF THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART XII, LINE 2C
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0MA
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00

Document Assets

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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
$113,287,865
Liabilities
$103,637,687
Net assets
$9,650,178
Revenue
-
Expenses
$4,998,546
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$159$148$10.7$8.02$9.99$1.97
2024Detailed filing. Detailed filing data is available for this year.$149$137$12.4$6.93$7.11$0.18
2023Detailed filing. Detailed filing data is available for this year.$139$126$12.4$6.00$5.73$0.27
2022Detailed filing. Detailed filing data is available for this year.$136$124$12.0$5.39$4.75$0.64
2021Detailed filing. Detailed filing data is available for this year.$139$127$12.2$5.80$4.89$0.91
2020Detailed filing. Detailed filing data is available for this year.$141$129$11.5$5.19$5.00$0.19
2019Detailed filing. Detailed filing data is available for this year.$132$121$11.3$5.57$5.58$0.01
2018Detailed filing. Detailed filing data is available for this year.$138$127$11.0$5.18$4.94$0.24
2017Detailed filing. Detailed filing data is available for this year.$130$119$10.9$5.18$5.29$0.11
2016Detailed filing. Detailed filing data is available for this year.$130$119$10.9$5.10$5.02$0.09
2015Summary only. Only limited summary data is available for this year.$121$110$11.0$4.91$4.74$0.18
2014Detailed filing. Detailed filing data is available for this year.$119$108$10.7$4.91$4.27$0.64
2013Detailed filing. Detailed filing data is available for this year.$116$106$9.74$5.17$4.57$0.60
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$113$104$9.65$5.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$112$103$9.14$5.57
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$110$102$8.04$6.22
2008Facts available. Structured filing facts are available, but richer extracted sections are limited.$95.4$86.7$8.66$7.08
Peer Organizations

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