Civic Intelligence

Valleystone Credit Union

990 • Fiscal year 2012 • EIN 04-6058755

Jul 01, 2011 to Jun 30, 2012

Siviq Scores

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

Liabilities / Assets

86th percentile

0.89x

Higher debt load relative to assets than 86% of similar nonprofits.

2012 filings • $50M-$100M nonprofits • Source year 2012

Liabilities / Revenue

99th percentile

57.62x

Higher debt load relative to revenue than 99% of similar nonprofits.

2012 filings • $50M-$100M nonprofits • Source year 2012

Net Margin

1st percentile

-636%

Higher net margin than 1% of similar nonprofits.

2012 filings • $50M-$100M nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

36th percentile

0.7%

Faster asset growth than 36% of similar nonprofits.

2012 filings • $50M-$100M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

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

Source year 2012

Assets

Up

$65,608,332

Up $475,729 (+0.7%) from 2011

Net Assets

Down

$7,512,376

Down $6,257,472 (-45%) from 2011

Liabilities

Up

$58,095,956

Up $6,733,201 (+13%) from 2011

Revenue

$1,008,206

No earlier filing loaded for comparison.

Expenses

Up

$7,416,105

Up $4,963,469 (+202%) from 2011

Net Income

-$6,407,899

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$80M$60M$40M$20M$0Assets 2010: $70,131,745Liabilities 2010: $56,892,090Net Assets 2010: $13,239,6552010Assets 2011: $65,132,603Liabilities 2011: $51,362,755Net Assets 2011: $13,769,8482011Assets 2012: $65,608,332Liabilities 2012: $58,095,956Net Assets 2012: $7,512,3762012

Highlighted filing

2012

Assets$65,608,332
Liabilities$58,095,956
Net Assets$7,512,376

Operations Trend

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

$10M$5.0M$0-$5.0M-$10MExpenses 2010: $2,826,0132010Expenses 2011: $2,452,6362011Revenue 2012: $1,008,206Expenses 2012: $7,416,105Net Income 2012: -$6,407,8992012

Highlighted filing

2012

Revenue$1,008,206
Expenses$7,416,105
Net Income-$6,407,899
Filing Detail Status

This 2012 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

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Filing Period
Jul 1, 2011 to Jun 30, 2012

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