Civic Intelligence

Workers Federal Credit Union Fka

990 • Fiscal year 2012 • EIN 04-2079901

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 08, 2013

Organization ProfileWWW.WCU.COM

View Organization Page

815 Main StreetSuite01420-0900
Siviq Scores

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

Liabilities / Assets

22nd percentile

0.87x

Higher debt load relative to assets than 22% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B 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

81st percentile

10.0%

Faster asset growth than 81% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B 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 / Assets22nd percentile

Assets

Up

$913,270,562

Up $82,661,775 (+10.0%) from 2011

Net Assets

Up

$121,751,692

Up $10,444,023 (+9.4%) from 2011

Liabilities

Up

$791,518,870

Up $72,217,752 (+10%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$38,381,049

Up $611,254 (+1.6%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth81st percentile

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

$2.0B$1.5B$1.0B$500M$0Assets 2010: $799,246,251Liabilities 2010: $697,971,052Net Assets 2010: $101,275,1992010Assets 2011: $830,608,787Liabilities 2011: $719,301,118Net Assets 2011: $111,307,6692011Assets 2012: $913,270,562Liabilities 2012: $791,518,870Net Assets 2012: $121,751,6922012Assets 2013: $1,038,005,093Liabilities 2013: $910,462,304Net Assets 2013: $127,542,7892013Assets 2014: $1,151,137,509Liabilities 2014: $1,009,384,357Net Assets 2014: $141,753,1522014Assets 2015: $1,312,153,172Liabilities 2015: $1,158,779,923Net Assets 2015: $153,373,2492015Assets 2016: $1,501,397,830Liabilities 2016: $1,340,526,709Net Assets 2016: $160,871,1212016Assets 2017: $1,635,615,637Liabilities 2017: $1,467,264,443Net Assets 2017: $168,351,1942017Assets 2018: $1,797,705,514Liabilities 2018: $1,620,462,731Net Assets 2018: $177,242,7832018Assets 2019: $1,871,285,750Liabilities 2019: $1,674,258,519Net Assets 2019: $197,027,2312019Assets 2020: $1,995,827,980Liabilities 2020: $1,783,773,541Net Assets 2020: $212,054,4392020Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2012

Assets$913,270,562
Liabilities$791,518,870
Net Assets$121,751,692
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$100M$50M$0Expenses 2010: $39,015,2932010Expenses 2011: $37,769,7952011Expenses 2012: $38,381,0492012Revenue 2013: $50,511,421Expenses 2013: $41,541,677Net Income 2013: $8,969,7442013Revenue 2014: $56,169,788Expenses 2014: $44,113,011Net Income 2014: $12,056,7772014Revenue 2015: $63,915,965Expenses 2015: $50,184,443Net Income 2015: $13,731,5222015Revenue 2016: $72,113,303Expenses 2016: $61,498,176Net Income 2016: $10,615,1272016Revenue 2017: $77,870,168Expenses 2017: $72,576,334Net Income 2017: $5,293,8342017Revenue 2018: $87,508,229Expenses 2018: $71,395,261Net Income 2018: $16,112,9682018Revenue 2019: $94,853,020Expenses 2019: $78,934,216Net Income 2019: $15,918,8042019Revenue 2020: $93,796,292Expenses 2020: $86,973,420Net Income 2020: $6,822,8722020Revenue 2021: $1,210,709Expenses 2021: $1,171,561Net Income 2021: $39,1482021

Highlighted filing

2012

Revenue-
Expenses$38,381,049
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 8, 2013
Return Version
2012v2.1
Gross Receipts
$49,928,448
Mission and Program Overview

Mission

The organization is a state chartered credit union that serves members who live or work in massachusetts.

Filing and Contact Details

Filer

EIN
04-2079901
Raw XML AppendixShowing 400 of 977 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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IRS990/Form990PartVIISectionA/Title13SVP - CFO & Treasurer
IRS990/Form990PartVIISectionA/Title14SVP of COMMercial development
IRS990/Form990PartVIISectionA/Title15SVP of HUMAN RESOURCES
IRS990/Form990PartVIISectionA/Title16AVP
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IRS990/Form990PartVIISectionA/Title23Vice President
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IRS990/Form990PartVIISectionA/Title26SVP Bus Banking & Comm lending
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IRS990/Form990PartVIISectionA/Title28VP INSURANCE & INVESTMENT
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IRS990/GrantsToDomesticOrgs/Total00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossAmountSalesAssets/Other01760922
IRS990/GrossReceipts049928448
IRS990/GrossRents/Real063318
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IncomeFromInvestBondProceeds/TotalRevenueColumn00
IRS990/IndependentAuditFinancialStmt0true
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InformationTechnology/Total03680460
IRS990/Insurance/Total00
IRS990/IntangibleAssets/BOY00
IRS990/IntangibleAssets/EOY00
IRS990/Interest/Total06658517
IRS990/InventoriesForSaleOrUse/BOY00
IRS990/InventoriesForSaleOrUse/EOY00
IRS990/InvestmentIncomeCurrentYear06540547
IRS990/InvestmentIncome/ExclusionAmount04730395
IRS990/InvestmentIncomePriorYear04808658
IRS990/InvestmentIncome/TotalRevenueColumn04779625
IRS990/InvestmentIncome/UnrelatedBusinessRevenue049230
IRS990/InvestmentInJointVenture0true
IRS990/InvestmentsOtherSecurities/BOY00
IRS990/InvestmentsOtherSecurities/EOY00
IRS990/InvestmentsProgramRelated/BOY00
IRS990/InvestmentsProgramRelated/EOY00
IRS990/InvestmentsPubTradedSecurities/BOY0143203885
IRS990/InvestmentsPubTradedSecurities/EOY0192746503
IRS990/LandBldgEquipmentAccumDeprec014941592
IRS990/LandBuildingsEquipmentBasis022842847
IRS990/LandBuildingsEquipmentBasisNet/BOY08124020
IRS990/LandBuildingsEquipmentBasisNet/EOY07901255
IRS990/LoansFromOfficersDirectors/BOY00
IRS990/LoansFromOfficersDirectors/EOY00
IRS990/LoanToOfficerOrDQP0true
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0THE ORGANIZATION IS A STATE CHARTERED CREDIT UNION THAT SERVES MEMBERS WHO LIVE OR WORK IN MASSACHUSETTS.
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/MortNotesPyblSecuredInvestProp/BOY00
IRS990/MortNotesPyblSecuredInvestProp/EOY00
IRS990/NameOfPrincipalOfficerPerson0Douglas Petersen
IRS990/NbrIndependentVotingMembers011
IRS990/NbrVotingGoverningBodyMembers011
IRS990/NbrVotingMembersGoverningBody011
IRS990/NetAssetsOrFundBalancesBOY0111307669
IRS990/NetAssetsOrFundBalancesEOY0121751692

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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
$913,270,562
Liabilities
$791,518,870
Net assets
$121,751,692
Revenue
-
Expenses
$38,381,049
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$0.00$0.00$0.00$1.21$1.17$0.04
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,996$1,784$212$93.8$87.0$6.82
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,871$1,674$197$94.9$78.9$15.9
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,798$1,620$177$87.5$71.4$16.1
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,636$1,467$168$77.9$72.6$5.29
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,501$1,341$161$72.1$61.5$10.6
2015Detailed filing. Detailed filing data is available for this year.$1,312$1,159$153$63.9$50.2$13.7
2014Detailed filing. Detailed filing data is available for this year.$1,151$1,009$142$56.2$44.1$12.1
2013Detailed filing. Detailed filing data is available for this year.$1,038$910$128$50.5$41.5$8.97
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$913$792$122$38.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$831$719$111$37.8
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$799$698$101$39.0