Civic Intelligence

Valleystone Credit Union

EIN 04-6058755

View Organization Page

2002 Boston Road01095
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

91st percentile

0.89x

Higher debt load relative to assets than 91% of similar nonprofits.

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

Liabilities / Revenue

100th percentile

57.62x

Higher debt load relative to revenue than 100% of similar nonprofits.

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

Net Margin

1st percentile

-636%

Higher net margin than 1% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

No filing with officer or executive compensation is available for this organization yet.

Asset Growth

30th percentile

0.7%

Faster asset growth than 30% of similar nonprofits.

$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

Balance Sheet
Liabilities / Assets91st percentile

Assets

Up

$65,608,332

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

Liabilities

Up

$58,095,956

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

Net Assets

Down

$7,512,376

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

Operations
Liabilities / Revenue100th percentileNet Margin1st percentile

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.

Trend Graphs

Balance Sheet Trend

Asset Growth30th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$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
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income by year, with the latest 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
Open 2012 Filing

Filings

Most recent year

2012 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$65,608,332
Liabilities
$58,095,956
Net assets
$7,512,376
Revenue
$1,008,206
Expenses
$7,416,105
Net income
-$6,407,899
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2012Summary only. Only limited summary data is available for this year.$65.6$58.1$7.51$1.01$7.42$6.41
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$65.1$51.4$13.8$2.45
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$70.1$56.9$13.2$2.83
Latest Detailed Filing

The latest 2012 filing currently has summary financial data only. Showing the latest detailed filing from 2011 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Apr 11, 2012
Return Version
2011v1.2
Gross Receipts
$2,207,743
Mission and Program Overview

Major Activities

Activity 2
Making of loans to members. Number of loan accounts 931.
Filing and Contact Details

Filer

EIN
04-6058755
Raw XML AppendixShowing 400 of 485 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/Explanation0Information is posted in credit union lobby and available upon request.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CEO'S SALARY IS BOARD APPROVED. MANAGEMENT'S SALARY IS DETERMINED ACCORDING TO MERIT AND INDUSTRY STANDARDS.
IRS990ScheduleO/GeneralExplanation/Explanation2SIGN CODE OF CONDUCT FROM ETHICS POLICY ON AN ANNUAL BASIS.
IRS990ScheduleO/GeneralExplanation/Explanation3THE FORM 990 WAS PROVIDED TO THE BOARD AFTER IT WAS FILED. THE BOARD REVIEWED THE FORM 990 AT A SUBSEQUENT BOARD MEETING, AND IS NOTED IN THE BOARD MINUTES.
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
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IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 12c
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 11
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 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 11: 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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