Civic Intelligence

Dutch Point Credit Union Inc

990 • Fiscal year 2011 • EIN 06-6039973

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

Organization ProfileWWW.DUTCHPOINT.ORG

View Organization Page

195 Silas Deane Highway06109-1283
Siviq Scores

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

Liabilities / Assets

39th percentile

0.89x

Higher debt load relative to assets than 39% 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

48th percentile

4.3%

Faster asset growth than 48% 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 / Assets39th percentile

Assets

Up

$186,394,480

Up $7,669,937 (+4.3%) from 2010

Net Assets

Up

$20,662,444

Up $426,820 (+2.1%) from 2010

Liabilities

Up

$165,732,036

Up $7,243,117 (+4.6%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$8,202,568

Down $628,977 (-7.1%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth48th percentile

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

$600M$400M$200M$0Assets 2010: $178,724,543Liabilities 2010: $158,488,919Net Assets 2010: $20,235,6242010Assets 2011: $186,394,480Liabilities 2011: $165,732,036Net Assets 2011: $20,662,4442011Assets 2012: $194,669,913Liabilities 2012: $173,112,948Net Assets 2012: $21,556,9652012Assets 2013: $227,206,231Liabilities 2013: $201,591,943Net Assets 2013: $25,614,2882013Assets 2014: $232,767,066Liabilities 2014: $206,234,097Net Assets 2014: $26,532,9692014Assets 2015: $248,722,010Liabilities 2015: $221,203,217Net Assets 2015: $27,518,7932015Assets 2016: $284,501,786Liabilities 2016: $253,612,140Net Assets 2016: $30,889,6462016Assets 2017: $300,419,546Liabilities 2017: $266,622,124Net Assets 2017: $33,797,4222017Assets 2018: $311,502,357Liabilities 2018: $275,446,858Net Assets 2018: $36,055,4992018Assets 2019: $338,763,138Liabilities 2019: $299,532,483Net Assets 2019: $39,230,6552019Assets 2020: $402,719,315Liabilities 2020: $362,809,141Net Assets 2020: $39,910,1742020Assets 2021: $439,784,551Liabilities 2021: $397,403,002Net Assets 2021: $42,381,5492021Assets 2022: $467,297,066Liabilities 2022: $421,979,861Net Assets 2022: $45,317,2052022Assets 2023: $475,467,935Liabilities 2023: $425,893,938Net Assets 2023: $49,573,9972023Assets 2024: $510,778,790Liabilities 2024: $458,266,962Net Assets 2024: $52,511,8282024

Highlighted filing

2011

Assets$186,394,480
Liabilities$165,732,036
Net Assets$20,662,444
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0Expenses 2010: $8,831,5452010Expenses 2011: $8,202,5682011Revenue 2012: $8,750,264Expenses 2012: $7,929,838Net Income 2012: $820,4262012Revenue 2013: $10,206,493Expenses 2013: $8,135,944Net Income 2013: $2,070,5492013Revenue 2014: $10,318,620Expenses 2014: $9,293,776Net Income 2014: $1,024,8442014Revenue 2015: $10,662,797Expenses 2015: $9,284,371Net Income 2015: $1,378,4262015Revenue 2016: $11,458,009Expenses 2016: $9,358,862Net Income 2016: $2,099,1472016Revenue 2017: $12,602,425Expenses 2017: $10,374,138Net Income 2017: $2,228,2872017Revenue 2018: $14,246,373Expenses 2018: $11,323,676Net Income 2018: $2,922,6972018Revenue 2019: $15,523,882Expenses 2019: $12,840,178Net Income 2019: $2,683,7042019Revenue 2020: $13,404,884Expenses 2020: $12,255,604Net Income 2020: $1,149,2802020Revenue 2021: $13,078,655Expenses 2021: $11,156,431Net Income 2021: $1,922,2242021Revenue 2022: $16,104,294Expenses 2022: $12,872,368Net Income 2022: $3,231,9262022Revenue 2023: $21,611,039Expenses 2023: $17,217,889Net Income 2023: $4,393,1502023Revenue 2024: $24,860,255Expenses 2024: $21,923,484Net Income 2024: $2,936,7712024

Highlighted filing

2011

Revenue-
Expenses$8,202,568
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Oct 31, 2012
Return Version
2011v1.2
Gross Receipts
$9,324,075
Mission and Program Overview

Mission

As a trusted partner, dutch point credit union improves members' financial well-being through financial solutions and education.

Filing and Contact Details

Filer

EIN
06-6039973
Raw XML AppendixShowing 400 of 462 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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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE TAX LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE (IRS) RELEASED TECHNICAL ADVICE MEMORANDUMS (TAMS) TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2010, 2009, AND 2008 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.
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IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation0FRANCIS R. N. PROTO PARTICIPATES IN A NON-QUALIFIED DEFERRED COMPENSATION PLAN. THE EMPLOYEE IS NOT VESTED IN THIS PLAN. THE CURRENT YEAR NON VESTED DEFERRAL IS INCLUDED IN SCHEDULE J, PART II, COLUMN C.
IRS990ScheduleJ/Form990ScheduleJPartIII/ReturnReference0PART I, LINE 4B
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0FRANCIS R N PROTO
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg014349
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg014338
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0321624
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990ScheduleJ/IndependentConsultant0X
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SubstantiationRequired01
IRS990ScheduleJ/SupplementalNonqualRetirePlan01
IRS990ScheduleJ/WrittenEmploymentContract0X
IRS990ScheduleL/Form990ScheduleLPartIV/AmountOfTransaction043387
IRS990ScheduleL/Form990ScheduleLPartIV/DescriptionOfTransaction0EMPLOYMENT
IRS990ScheduleL/Form990ScheduleLPartIV/NameOfInterestedPerson/NamePerson0SHANNON DWYER
IRS990ScheduleL/Form990ScheduleLPartIV/Relationship0DAUGHTER OF CHAIRMAN OF BOARD
IRS990ScheduleL/Form990ScheduleLPartIV/SharingOfRevenues00
IRS990ScheduleL/LoanTable/ApprovedByBoard01
IRS990ScheduleL/LoanTable/BalanceDue060000
IRS990ScheduleL/LoanTable/Default00
IRS990ScheduleL/LoanTable/LoanFromOrganization0X
IRS990ScheduleL/LoanTable/NamePerson0FRANCIS R N PROTO
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount060000
IRS990ScheduleL/LoanTable/PurposeOfLoan0DEMAND LOAN
IRS990ScheduleL/LoanTable/WrittenAgreement01
IRS990ScheduleL/TotalBalanceDue060000
IRS990ScheduleO/GeneralExplanation/Explanation0INDIVIDUALS MAINTAINING A MINIMUM DEPOSIT BALANCE WITH THE ORGANIZATION ARE CONSIDERED MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS IN GOOD STANDING MAY VOTE FOR DIRECTORS AS TERMS EXPIRE.
IRS990ScheduleO/GeneralExplanation/Explanation2COPIES OF THE RETURN ARE PROVIDED TO THE GOVERNING BOARD PRIOR TO FILING. PRIOR TO FINALIZING THE RETURN A COPY IS PROVIDED TO THE PRESIDENT/CEO AND CFO FOR THEIR REVIEW.
IRS990ScheduleO/GeneralExplanation/Explanation3THE ORGANIZATION ANNUALLY REVIEWS THEIR CONFLICT OF INTEREST POLICY WITH DIRECTORS, OFFICERS AND KEY EMPLOYEES.
IRS990ScheduleO/GeneralExplanation/Explanation4THE ORGANIZATIONS GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE PUBLIC. THE ORGANIZATION'S FINANCIAL STATEMENTS ARE PUBLISHED ON THEIR WEB SITE.
IRS990ScheduleO/GeneralExplanation/Explanation5NET UNREALIZED LOSSES ON INVESTMENTS: -69,105.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
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 B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART XI, LINE 5:
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0CT
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10195 SILAS DEANE HIGHWAY
IRS990/TheBooksAreInCareOf/AddressUS/City0WETHERSFIELD
IRS990/TheBooksAreInCareOf/AddressUS/State0CT
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode0061091283
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10CHARLYN TANNER CFO
IRS990/TheBooksAreInCareOf/TelephoneNumber08605632617
IRS990/TotalAssets/BOY0178724543
IRS990/TotalAssetsBOY0178724543
IRS990/TotalAssets/EOY0186394480

Document Assets

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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
$186,394,480
Liabilities
$165,732,036
Net assets
$20,662,444
Revenue
-
Expenses
$8,202,568
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$511$458$52.5$24.9$21.9$2.94
2023Detailed filing. Detailed filing data is available for this year.$475$426$49.6$21.6$17.2$4.39
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$467$422$45.3$16.1$12.9$3.23
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$440$397$42.4$13.1$11.2$1.92
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$403$363$39.9$13.4$12.3$1.15
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$339$300$39.2$15.5$12.8$2.68
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$312$275$36.1$14.2$11.3$2.92
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$300$267$33.8$12.6$10.4$2.23
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$285$254$30.9$11.5$9.36$2.10
2015Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$249$221$27.5$10.7$9.28$1.38
2014Detailed filing. Detailed filing data is available for this year.$233$206$26.5$10.3$9.29$1.02
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$227$202$25.6$10.2$8.14$2.07
2012Summary only. Only limited summary data is available for this year.$195$173$21.6$8.75$7.93$0.82
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$186$166$20.7$8.20
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$179$158$20.2$8.83