Civic Intelligence

Dexter Credit Union

990 • Fiscal year 2011 • EIN 05-0256493

Jan 01, 2011 to Dec 31, 2011 • Filed on May 01, 2012

Organization ProfileWWW.DEXTERCU.ORG

View Organization Page

934 Dexter Street02863
Siviq Scores

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

Liabilities / Assets

79th percentile

0.92x

Higher debt load relative to assets than 79% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

24th percentile

1.1%

Faster asset growth than 24% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$121,865,975

Up $1,362,591 (+1.1%) from 2010

Net Assets

Down

$10,327,172

Down $45,440 (-0.4%) from 2010

Liabilities

Up

$111,538,803

Up $1,408,031 (+1.3%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$5,553,541

Down $217,662 (-3.8%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth24th percentile

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

$150M$100M$50M$0Assets 2010: $120,503,384Liabilities 2010: $110,130,772Net Assets 2010: $10,372,6122010Assets 2011: $121,865,975Liabilities 2011: $111,538,803Net Assets 2011: $10,327,1722011Assets 2012: $120,822,559Liabilities 2012: $111,026,336Net Assets 2012: $9,796,2232012Assets 2013: $123,716,965Liabilities 2013: $116,007,804Net Assets 2013: $7,709,1612013Assets 2014: $109,243,583Liabilities 2014: $102,167,579Net Assets 2014: $7,076,0042014Assets 2015: $96,658,279Liabilities 2015: $91,144,283Net Assets 2015: $5,513,9962015

Highlighted filing

2011

Assets$121,865,975
Liabilities$111,538,803
Net Assets$10,327,172
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$10M$5.0M$0-$5.0MExpenses 2010: $5,771,2032010Expenses 2011: $5,553,5412011Revenue 2012: $5,349,838Expenses 2012: $6,295,840Net Income 2012: -$946,0022012Revenue 2013: $6,306,928Expenses 2013: $7,185,884Net Income 2013: -$878,9562013Revenue 2014: $6,489,489Expenses 2014: $7,426,307Net Income 2014: -$936,8182014Revenue 2015: $5,043,492Expenses 2015: $7,061,092Net Income 2015: -$2,017,6002015

Highlighted filing

2011

Revenue-
Expenses$5,553,541
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 1, 2012
Return Version
2011v1.2
Gross Receipts
$11,440,624
Mission and Program Overview

Mission

The credit union is committed to: 1) being responsive to the needs of the membership it serves; 2) providing service with a personal touch; and 3) providing products and services which are competitively priced and which are consistent with the overall long-term business plan.

Major Activities

Activity 2
There were 48 new and used automobile loans issued during 2011 which totaled $714,590.
Activity 3
There were 134 personal loans issued during 2011 which totaled $616,734.
Filing and Contact Details

Filer

EIN
05-0256493
Raw XML AppendixShowing 400 of 501 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/ActivitiesConductedPartnership00
IRS990/Activity2/Description0THERE WERE 48 NEW AND USED AUTOMOBILE LOANS ISSUED DURING 2011 WHICH TOTALED $714,590.
IRS990/Activity3/Description0THERE WERE 134 PERSONAL LOANS ISSUED DURING 2011 WHICH TOTALED $616,734.
IRS990/ActivityOrMissionDescription0CREDIT UNION SERVICES
IRS990/ActivityOther/Description0THERE WERE 98 HOME EQUITY LOANS ISSUED DURING 2011 WHICH TOTALED $12,820,426.
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IRS990/Form990PartVIISectionA/Title0CHAIRMAN
IRS990/Form990PartVIISectionA/Title1FIRST VICE CHAIRMAN
IRS990/Form990PartVIISectionA/Title2SECOND VICE CHAIRMAN
IRS990/Form990PartVIISectionA/Title3SECRETARY
IRS990/Form990PartVIISectionA/Title4TREASURER
IRS990/Form990PartVIISectionA/Title5DIRECTOR
IRS990/Form990PartVIISectionA/Title6DIRECTOR
IRS990/Form990PartVIISectionA/Title7DIRECTOR
IRS990/Form990PartVIISectionA/Title8CHAIRMAN - SUPERVISORY COMMITTEE
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IRS990/Form990PartVIISectionA/Title10SUPERVISORY COMMITTEE MEMBER
IRS990/Form990PartVIISectionA/Title11CHAIRMAN - CREDIT COMMITTEE
IRS990/Form990PartVIISectionA/Title12CREDIT COMMITTEE MEMBER
IRS990/Form990PartVIISectionA/Title13PRESIDENT & CEO
IRS990/Form990PartVIISectionA/Title14CREDIT COMMITTEE MEMBER
IRS990/Form990PartVIISectionA/Title15PRESIDENT & CLO
IRS990/Form990PartVIISectionA/Title16SENIOR VICE PRESIDENT & CFO
IRS990/Form990PartVIISectionA/Title17VICE PRESIDENT - FINANCE MANAGER
IRS990/Form990PartVIISectionA/Title18VICE PRESIDENT - BRANCH MANAGER
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IRS990/MissionDescription0THE CREDIT UNION IS COMMITTED TO: 1) BEING RESPONSIVE TO THE NEEDS OF THE MEMBERSHIP IT SERVES; 2) PROVIDING SERVICE WITH A PERSONAL TOUCH; AND 3) PROVIDING PRODUCTS AND SERVICES WHICH ARE COMPETITIVELY PRICED AND WHICH ARE CONSISTENT WITH THE OVERALL LONG-TERM BUSINESS PLAN.
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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0OTHER COMPREHENSIVE INCOME - UNREALIZED GAIN-SECURITIES AVAILABLE FOR SALE 12,621. OTHER COMPREHENSIVE INCOME - NET PENSION BENEFIT OBLIGATION -152,450. TOTAL TO SCHEDULE D, PART XI, LINE 8: -139,829.
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier0PART XI, LINE 8 - OTHER ADJUSTMENTS:
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IRS990ScheduleD/OtherLiabilities/Amount020257582
IRS990ScheduleD/OtherLiabilities/Amount113519682
IRS990ScheduleD/OtherLiabilities/Amount214817593
IRS990ScheduleD/OtherLiabilities/Amount32173685
IRS990ScheduleD/OtherLiabilities/Amount451937
IRS990ScheduleD/OtherLiabilities/Amount565976
IRS990ScheduleD/OtherLiabilities/Amount655288208
IRS990ScheduleD/OtherLiabilities/Amount7430833
IRS990ScheduleD/OtherLiabilities/Amount84450000
IRS990ScheduleD/OtherLiabilities/Amount9410624
IRS990ScheduleD/OtherLiabilities/Description0SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilities/Description1DEMAND DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilities/Description2MONEY MARKET ACCOUNTS
IRS990ScheduleD/OtherLiabilities/Description3INDIVIDUAL RETIREMENT ACCOUNTS
IRS990ScheduleD/OtherLiabilities/Description4CLUB ACCOUNTS
IRS990ScheduleD/OtherLiabilities/Description5SAVINGS ACCOUNTS
IRS990ScheduleD/OtherLiabilities/Description6CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherLiabilities/Description7NET PENSION LIABILITY
IRS990ScheduleD/OtherLiabilities/Description8BORROWED FUNDS - FEDERAL HOME LOAN BANK OF BOSTON
IRS990ScheduleD/OtherLiabilities/Description9ADVANCE PAYMENTS BY BORROWERS FOR TAXES AND INSURANCE
IRS990ScheduleD/RevenueNotRptdF99000
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IRS990ScheduleD/TotalAdjustments0-139829
IRS990ScheduleD/TotalExpenses05553541
IRS990ScheduleD/TotalExpensesPerForm99005553541
IRS990ScheduleD/TotalOfAmounts0111466120
IRS990ScheduleD/TotalOfBookValueLandBuildings03930894
IRS990ScheduleD/TotalRevenue05647930
IRS990ScheduleD/TotalRevenuePerForm99005647930
IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt05553541
IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt05647930
IRS990/ScheduleJRequired00
IRS990ScheduleO/GeneralExplanation/Explanation0THE ORGANIZATION IS A CREDIT UNION THAT IS OWNED BY ITS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE ORGANIZATION HAS MEMBERS WHO MAY ELECT THE MEMBERS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE GOVERNING BODY'S DECISION AS TO THE AMOUNT PAID FOR DIRECTOR AND COMMITTEE FEES ARE SUBJECT TO APPROVAL BY THE MEMBERS OF THE ORGANIZATION.
IRS990ScheduleO/GeneralExplanation/Explanation3FORM 990 WAS PROVIDED TO THE SUPERVISORY COMMITTEE, CHIEF EXECUTIVE OFFICER, AND CHIEF FINANCIAL OFFICER FOR REVIEW BEFORE IT WAS FILED.
IRS990ScheduleO/GeneralExplanation/Explanation4THE ORGANIZATION REGULARLY AND CONSISTENTLY MONITORS AND ENFORCES COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY THROUGH AN ACKNOWLEDGEMENT AGREEMENT AND CERTIFICATION WITH THE DIRECTORS AND COMMITTEE MEMBERS. THIS STANDARDS OF FIDUCIARY RESPONSIBILITY AND CODE OF CONDUCT POLICY IS SIGNED AND DATED BY EACH DIRECTOR/COMMITTEE MEMBER AND RETAINED ON FILE.
IRS990ScheduleO/GeneralExplanation/Explanation5THE PROCESS FOR DETERMINING COMPENSATION OF THE ORGANIZATION'S CHIEF EXECUTIVE OFFICER AND TOP MANAGEMENT OFFICIALS INCLUDES A REVIEW COMPARABILITY DATA AND APPROVAL BY INDEPENDENT PERSONS.

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$121,865,975
Liabilities
$111,538,803
Net assets
$10,327,172
Revenue
-
Expenses
$5,553,541
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$96.7$91.1$5.51$5.04$7.06$2.02
2014Detailed filing. Detailed filing data is available for this year.$109$102$7.08$6.49$7.43$0.94
2013Detailed filing. Detailed filing data is available for this year.$124$116$7.71$6.31$7.19$0.88
2012Summary only. Only limited summary data is available for this year.$121$111$9.80$5.35$6.30$0.95
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$122$112$10.3$5.55
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$121$110$10.4$5.77