Civic Intelligence

Unknown Organization

990 • Fiscal year 2012 • EIN 13-1739828

Jan 01, 2012 to Dec 31, 2012 • Filed on May 02, 2013

Organization Profile
45 Kennedy Drive10977
Siviq Scores

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

Liabilities / Assets

97th percentile

0.95x

Higher debt load relative to assets than 97% of similar nonprofits.

2012 filings • 501(c)14 • $5M-$10M 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

66th percentile

3.3%

Faster asset growth than 66% of similar nonprofits.

2012 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2010 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets97th percentile

Assets

Up

$7,749,439

Up $491,616 (+6.8%) from 2010

Net Assets

Down

$418,283

Down $28,939 (-6.5%) from 2010

Liabilities

Up

$7,331,156

Up $520,555 (+7.6%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$312,738

Down $39,299 (-11%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth66th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $7,257,823Liabilities 2010: $6,810,601Net Assets 2010: $447,2222010Assets 2012: $7,749,439Liabilities 2012: $7,331,156Net Assets 2012: $418,2832012Assets 2013: $7,414,373Liabilities 2013: $6,968,634Net Assets 2013: $445,7392013

Highlighted filing

2012

Assets$7,749,439
Liabilities$7,331,156
Net Assets$418,283
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$300K$200K$100K$0Expenses 2010: $352,0372010Expenses 2012: $312,7382012Revenue 2013: $324,742Expenses 2013: $297,286Net Income 2013: $27,4562013

Highlighted filing

2012

Revenue-
Expenses$312,738
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 2, 2013
Return Version
2012v2.1
Gross Receipts
$301,715
Mission and Program Overview

Mission

Credit Union provides savings and loan services to members

Filing and Contact Details

Filer

EIN
13-1739828
Raw XML Appendix296 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.

Path#Value
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IRS990/AccountsPayableAccruedExpenses/BOY09380
IRS990/AccountsPayableAccruedExpenses/EOY09649
IRS990/ActivitiesConductedPartnership0false
IRS990/ActivityOrMissionDescription0Credit Union provides savings and loan services to members
IRS990/AddressPrincipalOfficerUS/AddressLine10792 Brookridge Drive
IRS990/AddressPrincipalOfficerUS/City0Valley Cottage
IRS990/AddressPrincipalOfficerUS/State0NY
IRS990/AddressPrincipalOfficerUS/ZIPCode010989
IRS990/AllOtherExpenses/ProgramServices02068
IRS990/AllOtherExpenses/Total02068
IRS990/BenefitsPaidToMembersCY00
IRS990/BenefitsPaidToMembersPriorYear016863
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY0222806
IRS990/CashNonInterestBearing/EOY084139
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/ProgramServices062312
IRS990/CompCurrentOfficersDirectors/Total062312
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0false
IRS990/CompensationProcessOther0false
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConflictOfInterestPolicy0false
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0false
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DescribedIn501C30false
IRS990/Description0Credit Union provides savings and loan services to members.
IRS990/DisregardedEntity0false
IRS990/DocumentRetentionPolicy0false
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0false
IRS990/EmploymentTaxReturnsFiled0true
IRS990/Expense0312738
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IRS990/FeesForServicesAccounting/ProgramServices070595
IRS990/FeesForServicesAccounting/Total070595
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignOffice0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek05.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek140.00
IRS990/Form990PartVIISectionA/KeyEmployee0X
IRS990/Form990PartVIISectionA/NamePerson0Alan Tesher
IRS990/Form990PartVIISectionA/NamePerson1Laiq Ram Dogra
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization162312
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/Title0CEO
IRS990/Form990PartVIISectionA/Title1Secretary
IRS990/Form990ProvidedToGoverningBody0true
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts0301715
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/Interest/ProgramServices02234
IRS990/Interest/Total02234
IRS990/InvestmentIncomeCurrentYear00
IRS990/InvestmentIncomePriorYear0109181
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsProgramRelated/BOY03987112
IRS990/InvestmentsProgramRelated/EOY04815270
IRS990/LandBuildingsEquipmentBasis013437
IRS990/LandBuildingsEquipmentBasisNet/BOY018371
IRS990/LandBuildingsEquipmentBasisNet/EOY013437
IRS990/LoanToOfficerOrDQP0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingCash0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0Credit Union provides savings and loan services to members
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0Laiq Ram Dogra
IRS990/NbrIndependentVotingMembers05
IRS990/NbrVotingGoverningBodyMembers05
IRS990/NbrVotingMembersGoverningBody05
IRS990/NetAssetsOrFundBalancesBOY0429306
IRS990/NetAssetsOrFundBalancesEOY0418283
IRS990/NetUnrelatedBusinessTxblIncome00
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith109600
IRS990/NumberIndependentVotingMembers05
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfEmployees03
IRS990/NumberW2GIncluded00
IRS990/Occupancy/ProgramServices045498
IRS990/Occupancy/Total045498
IRS990/OfficeExpenses/ProgramServices043044
IRS990/OfficeExpenses/Total043044
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY085690
IRS990/OtherAssetsTotal/EOY097015
IRS990/OtherExpensePriorYear0191226
IRS990/OtherExpensesCurrentYear0175836
IRS990/OtherExpenses/Description0Loan Servicing Expense
IRS990/OtherExpenses/Description1Education and Promotion
IRS990/OtherExpenses/Description2Fees and miscellaneous
IRS990/OtherExpenses/Description3Premium Assess
IRS990/OtherExpenses/ProgramServices02572
IRS990/OtherExpenses/ProgramServices150
IRS990/OtherExpenses/ProgramServices21881
IRS990/OtherExpenses/ProgramServices37894
IRS990/OtherExpenses/Total02572
IRS990/OtherExpenses/Total150
IRS990/OtherExpenses/Total21881
IRS990/OtherExpenses/Total37894
IRS990/OtherLiabilities/BOY07208798
IRS990/OtherLiabilities/EOY07321507
IRS990/OtherNotesLoansReceivableNet/BOY02171737
IRS990/OtherNotesLoansReceivableNet/EOY01921774
IRS990/OtherRevenueCurrentYear00
IRS990/OtherSalariesAndWages/ProgramServices074590
IRS990/OtherSalariesAndWages/Total074590
IRS990/PartialLiquidation0false
IRS990/PoliticalActivities0false
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0900099
IRS990/ProgramServiceRevenue/BusinessCode1900099
IRS990/ProgramServiceRevenue/BusinessCode2900099
IRS990/ProgramServiceRevenue/BusinessCode3900099
IRS990/ProgramServiceRevenue/BusinessCode4900099
IRS990/ProgramServiceRevenueCY0301715
IRS990/ProgramServiceRevenue/Description0Interest income loans
IRS990/ProgramServiceRevenue/Description1Fee Income
IRS990/ProgramServiceRevenue/Description2Other Operating Income
IRS990/ProgramServiceRevenue/Description3Gain on Asset Disposal
IRS990/ProgramServiceRevenue/Description4Investment income
IRS990/ProgramServiceRevenuePriorYear0220203
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome0152171
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome136563
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome29084
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome3969
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome4102928
IRS990/ProgramServiceRevenue/TotalRevenueColumn0152171
IRS990/ProgramServiceRevenue/TotalRevenueColumn136563
IRS990/ProgramServiceRevenue/TotalRevenueColumn29084
IRS990/ProgramServiceRevenue/TotalRevenueColumn3969
IRS990/ProgramServiceRevenue/TotalRevenueColumn4102928
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReconcilationOtherChanges00
IRS990/ReconcilationRevenueExpenses0-11023
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0true
IRS990/RetainedEarningsEndowmentEtc/BOY0429306
IRS990/RetainedEarningsEndowmentEtc/EOY0418283
IRS990/Revenue0301715
IRS990/RevenuesLessExpensesCY0-11023
IRS990/RevenuesLessExpensesPriorYear0-17916
IRS990/SalariesEtcCurrentYear0136902
IRS990/SalariesEtcPriorYear0139211
IRS990/SavingsAndTempCashInvestments/BOY01161768
IRS990/SavingsAndTempCashInvestments/EOY0817804
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Equipment/BookValue013437
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis013437
IRS990ScheduleD/InvestmentsProgramRelated/BookValue04815270
IRS990ScheduleD/InvestmentsProgramRelated/Description0Investments
IRS990ScheduleD/OtherAssets/BookValue024927
IRS990ScheduleD/OtherAssets/BookValue172088
IRS990ScheduleD/OtherAssets/Description0Other Assets
IRS990ScheduleD/OtherAssets/Description1Capitaliztion Deposi
IRS990ScheduleD/OtherLiabilities/Amount07321507
IRS990ScheduleD/OtherLiabilities/Description0Members Savings Acct
IRS990ScheduleD/TotalBookValueOtherAssets097015
IRS990ScheduleD/TotalOfAmounts07321507
IRS990ScheduleD/TotalOfBookValueLandBuildings013437
IRS990ScheduleD/TotalOfBookValueProgramRelated04815270
IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0Organization is a credit union. Shareholders are referred to as members in the credit union.
IRS990ScheduleO/GeneralExplanation/Explanation1A copy of this return was provided for review before filing.
IRS990ScheduleO/GeneralExplanation/Explanation2Upon request
IRS990ScheduleO/GeneralExplanation/Identifier0O01
IRS990ScheduleO/GeneralExplanation/Identifier1O02
IRS990ScheduleO/GeneralExplanation/Identifier2O03
IRS990ScheduleO/GeneralExplanation/ReturnReference0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990 governing body review Part VI line 11
IRS990ScheduleO/GeneralExplanation/ReturnReference2Governing documents etc available to public Part VI line 19
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0NY
IRS990/StatesWhereCopyOfReturnIsFiled0NY
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10792 Brookridge Drive
IRS990/TheBooksAreInCareOf/AddressUS/City0Valley Cottage
IRS990/TheBooksAreInCareOf/AddressUS/State0NY
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode010989
IRS990/TheBooksAreInCareOf/NamePerson0Laiq Ram Dogra
IRS990/TheBooksAreInCareOf/TelephoneNumber08453562545
IRS990/TotalAssets/BOY07647484
IRS990/TotalAssetsBOY07647484
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IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear0312738
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IRS990/TotalNbrEmployees03
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IRS990/TotalOtherCompensation00
IRS990/TotalProfFundrsngExpCY00
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IRS990/TotalProgramServiceRevenue0301715
IRS990/TotalReportableCompFrmRltdOrgs00
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IRS990/TotalRevenueCurrentYear0301715
IRS990/TotalRevenue/ExclusionAmount00
IRS990/TotalRevenuePriorYear0329384
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0301715
IRS990/TotalRevenue/TotalRevenueColumn0301715
IRS990/TotalRevenue/UnrelatedBusinessRevenue00
IRS990/TransactionRelatedEntity0false
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X
IRS990/WhistleblowerPolicy0false
IRS990/WrittenPolicyOrProcedure0false
IRS990/YearFormation01920
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/Filer/EIN0131739828
ReturnHeader/Filer/Name/BusinessNameLine10Empire State Credit Union
ReturnHeader/Filer/NameControl0EMPI
ReturnHeader/Filer/USAddress/AddressLine1045 Kennedy Drive
ReturnHeader/Filer/USAddress/City0Spring Valley
ReturnHeader/Filer/USAddress/State0NY
ReturnHeader/Filer/USAddress/ZIPCode010977
ReturnHeader/Officer/AuthorizeThirdParty0false
ReturnHeader/Officer/DateSigned02013-05-02
ReturnHeader/Officer/Name0Laiq Dogra
ReturnHeader/Officer/Phone08453562545
ReturnHeader/Officer/Title0secretary
ReturnHeader/Preparer/DatePrepared02013-05-06
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10Kerry Molloy CPA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1095 Croton Avenue
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0Ossining
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0NY
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode010562
ReturnHeader/Preparer/Name0Kerry Molloy
ReturnHeader/Preparer/Phone09149440415
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-06T11:34:45-04:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$7,749,439
Liabilities
$7,331,156
Net assets
$418,283
Revenue
-
Expenses
$312,738
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$7.41$6.97$0.45$0.32$0.30$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.75$7.33$0.42$0.31
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.26$6.81$0.45$0.35