Civic Intelligence

New York State Chartered Credit Unions

990 • Fiscal year 2012 • EIN 15-0574036

Jan 01, 2012 to Dec 31, 2012 • Filed on Sep 10, 2013

Organization ProfileWWW.MYCFCU.COM

View Organization Page

1030 Craft Road14850
Siviq Scores

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

Liabilities / Assets

28th percentile

0.88x

Higher debt load relative to assets than 28% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B 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

38th percentile

4.3%

Faster asset growth than 38% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets28th percentile

Assets

Up

$834,846,948

Up $34,133,598 (+4.3%) from 2011

Net Assets

Up

$102,421,470

Up $9,427,991 (+10%) from 2011

Liabilities

Up

$732,425,478

Up $24,705,607 (+3.5%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$23,470,649

Down $2,771,077 (-11%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth38th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $729,186,996Liabilities 2010: $639,827,751Net Assets 2010: $89,359,2452010Assets 2011: $800,713,350Liabilities 2011: $707,719,871Net Assets 2011: $92,993,4792011Assets 2012: $834,846,948Liabilities 2012: $732,425,478Net Assets 2012: $102,421,4702012Assets 2013: $871,814,855Liabilities 2013: $762,069,732Net Assets 2013: $109,745,1232013Assets 2014: $909,050,024Liabilities 2014: $789,882,518Net Assets 2014: $119,167,5062014Assets 2015: $974,371,247Liabilities 2015: $848,283,130Net Assets 2015: $126,088,1172015Assets 2016: $1,032,698,296Liabilities 2016: $900,272,201Net Assets 2016: $132,426,0952016Assets 2017: $1,056,836,312Liabilities 2017: $917,130,234Net Assets 2017: $139,706,0782017Assets 2018: $1,061,547,893Liabilities 2018: $911,540,207Net Assets 2018: $150,007,6862018Assets 2019: $1,092,445,230Liabilities 2019: $930,025,114Net Assets 2019: $162,420,1162019Assets 2020: $1,233,869,792Liabilities 2020: $1,063,727,287Net Assets 2020: $170,142,5052020Assets 2024: $1,435,561,618Liabilities 2024: $1,253,987,982Net Assets 2024: $181,573,6362024

Highlighted filing

2012

Assets$834,846,948
Liabilities$732,425,478
Net Assets$102,421,470
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$80M$60M$40M$20M$0Expenses 2010: $25,674,8522010Expenses 2011: $26,241,7262011Expenses 2012: $23,470,6492012Revenue 2013: $33,125,549Expenses 2013: $24,378,029Net Income 2013: $8,747,5202013Revenue 2014: $34,944,707Expenses 2014: $26,522,424Net Income 2014: $8,422,2832014Revenue 2015: $38,649,527Expenses 2015: $31,332,861Net Income 2015: $7,316,6662015Revenue 2016: $40,744,544Expenses 2016: $34,530,428Net Income 2016: $6,214,1162016Revenue 2017: $45,003,928Expenses 2017: $37,174,295Net Income 2017: $7,829,6332017Revenue 2018: $51,082,653Expenses 2018: $39,670,011Net Income 2018: $11,412,6422018Revenue 2019: $55,899,350Expenses 2019: $44,738,349Net Income 2019: $11,161,0012019Revenue 2020: $48,155,483Expenses 2020: $43,736,336Net Income 2020: $4,419,1472020Revenue 2024: $72,880,426Expenses 2024: $69,852,594Net Income 2024: $3,027,8322024

Highlighted filing

2012

Revenue-
Expenses$23,470,649
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Sep 10, 2013
Return Version
2012v2.1
Gross Receipts
$68,420,984
Mission and Program Overview

Mission

To provide the highest level of personal financial services in a friendly, professional manner; to encourage thrift, savings and the wise use of credit; to increase the knowledge and ability of our members to manage and control their financial well-being; to provide sound financial management in order to maintain earnings for our continued growth and to provide our employees with a challenging and rewarding career.

Major Activities

Activity 2
The credit union offers a variety of loan products including 1st & 2nd mortgages, auto loans, unsecured, and member business loans with approximately 21,517 loans outstanding as of december 31, 2012.
Activity 3
The credit union offers our products and services through branches, on-line banking, our call center and atm's.
Filing and Contact Details

Filer

EIN
15-0574036
Raw XML AppendixShowing 400 of 635 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/ExpensesNotRptdOnFinStmt00
IRS990ScheduleD/ExpensesSubtotal023470649
IRS990ScheduleD/ExplanationInPartXIII0X
IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION HOLDS ESCROW ACCOUNTS FOR MORTGAGE LOANS ON THEIR BALANCE SHEET. THESE ACCOUNTS ARE PAID DIVIDENDS.
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation1THE CREDIT UNION IS EXEMPT, UNDER IRC 501(C)(14), FROM FEDERAL AND STATE INCOME TAXES. CERTAIN PRODUCTS AND SERVICES PROVIDED BY SELECT STATE CHARTERED CREDIT UNIONS HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS), IN TECHNICAL ADVICE MEMORANDUMS (TAMS) RELEASED IN 2007, TO BE UNRELATED TO THE SPECIFIC CREDIT UNION'S EXEMPT PURPOSE. AS PRESENTED IN THE TECHNICAL ADVICE MEMORANDUMS THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES WOULD BE SUBJECT TO INCOME TAXES. CREDIT UNIONS HAVE LITIGATED AGAINST THE IRS POSITIONS NOTED IN THE TAMS AND HAVE BEEN SUCCESSFUL IN HAVING COURTS DECLARE IN 2009 AND 2010 THAT REVENUE FROM INSURANCE PRODUCTS SOLD TO MEMBERS, HELPING THEM PROTECT THEIR FINANCIAL WELLBEING, QUALIFIES AS EXEMPT PURPOSE INCOME, CONTRARY TO THE IRS POSITION IN THE TAMS. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES THEY HAVE DEEMED TAXABLE. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2012 AND 2011. THE CREDIT UNION'S 2009 AND SUBSEQUENT TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0PART IV, LINE 2B:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference1PART X, LINE 2:
IRS990ScheduleD/IncludedOnFS01
IRS990ScheduleD/Land/BookValue02330595
IRS990ScheduleD/Land/OtherCostOrOtherBasis02330595
IRS990ScheduleD/LeaseholdImprovements/BookValue0676409
IRS990ScheduleD/LeaseholdImprovements/Depreciation01234734
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis01911143
IRS990ScheduleD/OtherLandBuildings/BookValue059771
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis059771
IRS990ScheduleD/OtherLiabilities/Amount0719464709
IRS990ScheduleD/OtherLiabilities/Description0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/OtherSecurities/BookValue0159549840
IRS990ScheduleD/OtherSecurities/BookValue11943600
IRS990ScheduleD/OtherSecurities/Description0SECURITIES - AFS
IRS990ScheduleD/OtherSecurities/Description1FHLB CAPITAL STOCK
IRS990ScheduleD/OtherSecurities/MethodOfValuation0F
IRS990ScheduleD/OtherSecurities/MethodOfValuation1C
IRS990ScheduleD/RevenueNotRptdF99000
IRS990ScheduleD/RevenueNotRptdOnFinStmt00
IRS990ScheduleD/RevenueSubtotal032924267
IRS990ScheduleD/TotalExpensesPerForm990023470649
IRS990ScheduleD/TotalOfAmounts0719464709
IRS990ScheduleD/TotalOfBookValueLandBuildings07757753
IRS990ScheduleD/TotalOfBookValueSecurities0161493440
IRS990ScheduleD/TotalRevenuePerForm990032924267
IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt023470649
IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt032924267
IRS990ScheduleJ/BoardOrCommitteeApproval0X
IRS990ScheduleJ/CompensationSurvey0X
IRS990ScheduleJ/EquityBasedCompArrangement00
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0311488
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg1159788
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg2141797
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg3118800
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg4117652
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg5139451
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg6250928
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg090000
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg110000
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg210000
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg315000
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg410000

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$834,846,948
Liabilities
$732,425,478
Net assets
$102,421,470
Revenue
-
Expenses
$23,470,649
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,436$1,254$182$72.9$69.9$3.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,234$1,064$170$48.2$43.7$4.42
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,092$930$162$55.9$44.7$11.2
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,062$912$150$51.1$39.7$11.4
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,057$917$140$45.0$37.2$7.83
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,033$900$132$40.7$34.5$6.21
2015Detailed filing. Detailed filing data is available for this year.$974$848$126$38.6$31.3$7.32
2014Detailed filing. Detailed filing data is available for this year.$909$790$119$34.9$26.5$8.42
2013Detailed filing. Detailed filing data is available for this year.$872$762$110$33.1$24.4$8.75
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$835$732$102$23.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$801$708$93.0$26.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$729$640$89.4$25.7