Civic Intelligence

Credit Union Outreach Solutions Inc

EIN 20-8315913 • 501(c)6

Profile

To provide a uniform avenue for its members to provide short-term lending solutions to combat predatory lending practices.

10 W Broad St No 110043215

n/A

Siviq Scores

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

Liabilities / Assets

35th percentile

0.01x

Higher debt load relative to assets than 35% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2013

Liabilities / Revenue

99th percentile

2.21x

Higher debt load relative to revenue than 99% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2013

Net Margin

1st percentile

-2079%

Higher net margin than 1% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2013

Top Officer Pay

49th percentile

$0

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)6 • $500k-$1M nonprofits • Source year 2013

Asset Growth

19th percentile

-11%

Faster asset growth than 19% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets35th percentile

Assets

Down

$865,163

Down $105,019 (-11%) from 2012

Liabilities

Down

$6,753

Down $41,394 (-86%) from 2012

Net Assets

Down

$858,410

Down $63,625 (-6.9%) from 2012

Operations
Liabilities / Revenue99th percentileNet Margin1st percentile

Revenue

$3,060

No earlier filing loaded for comparison.

Expenses

Down

$66,685

Down $98,716 (-60%) from 2012

Net Income

-$63,625

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth19th percentile

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

$1.0M$500K$0Assets 2011: $986,700Liabilities 2011: $43,351Net Assets 2011: $943,3492011Assets 2012: $970,182Liabilities 2012: $48,147Net Assets 2012: $922,0352012Assets 2013: $865,163Liabilities 2013: $6,753Net Assets 2013: $858,4102013

Highlighted filing

2013

Assets$865,163
Liabilities$6,753
Net Assets$858,410
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200K$100K$0-$100KExpenses 2011: $192,4302011Expenses 2012: $165,4012012Revenue 2013: $3,060Expenses 2013: $66,685Net Income 2013: -$63,6252013

Highlighted filing

2013

Revenue$3,060
Expenses$66,685
Net Income-$63,625
Open 2013 Filing

Filings

Most recent year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$865,163
Liabilities
$6,753
Net assets
$858,410
Revenue
$3,060
Expenses
$66,685
Net income
-$63,625
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$8.65$0.07$8.58$0.03$0.67$0.64
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.70$0.48$9.22$1.65
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.87$0.43$9.43$1.92
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 14, 2014
Return Version
2013v3.0
Gross Receipts
$3,060
Mission and Program Overview

Mission

To provide a uniform avenue for its members to provide short-term lending solutions to combat predatory lending practices.

To provide a uniform avenue for its members to provide short-term lending solutions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$680,455$861,220▲ $180,765
Rtn Earn Endowment Incm Other Fnds$922,035$858,410▼ $63,625
Investments Other Securities$200,000$0▼ $200,000
Cash and Non-Interest-Bearing Accounts$88,200$3,943▼ $84,257
Prepaid Expenses and Deferred Charges$1,122$0▼ $1,122
Accounts Receivable$405$0▼ $405
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$970,182$865,163▼ $105,019
Liabilities
Accounts Payable and Accrued Expenses$48,147$6,753▼ $41,394
Total Liabilities$48,147$6,753▼ $41,394
Net Assets / Fund Balance
Total Net Assets Fund Balance$922,035$858,410▼ $63,625
Total Liabilities and Net Assets / Fund Balance$970,182$865,163▼ $105,019
Compensation and Service Providers
Top Officer Pay49th percentile

Board Members and Trustees

NameTitle
Bill BurkeChair
Dick MaslykVice Chair
Barry ShanerDirector
Doug FecherDirector
Joan MoranDirector
Lisa GilliganDirector
Catherine HerringSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$3,060
Other Revenue
$0
Change in Net Assets
$-63,625

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,060
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$3,060
Total Revenue per Form 990
$3,060
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$66,685
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management---$26,000
Fees for Services Accounting---$4,500
Insurance---$2,374
Other Expenses---$97
Fees for Services Legal---$-39
Total Functional Expenses$0$0$0$66,685

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$66,685
Total Expenses per Audited Statements$66,685
Total Expenses per Form 990$66,685
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
Yes
Subject to proxy tax
Yes
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“The cuosi board of managers executed a management contract with ocul services corporation to staff cuosi's operations.”

Form 990, Part VI, Section A, Line 6

“The organization has members consisting of credit unions and credit union leagues.”

Form 990, Part VI, Section A, Line 7A

“The members elect the board of directors.”

Form 990, Part VI, Section A, Line 7B

“Decisions are subject to the approval of the members”

Form 990, Part VI, Section B, Line 11

“The return is provided to the board for its review prior to filing.”

Form 990, Part VI, Section B, Line 12C

“At each meeting, the chair reminds the board members of the policy and asks if there is anything on the agenda that may pose a conflict. The board members are also cautioned to raise the point if at any time in the conversation such a conflict arises.”

Form 990, Part VI, Section C, Line 19

“UPON REQUEST”

Filing and Contact Details

Filer

EIN
20-8315913
Phone
6143362894

Signing Officer

Name
Shawn R Kessinger
Title
Signing Officer
Phone
6143362894
Signed
2014-08-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Shawn R Kessinger
Formed
2003
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
7

Preparer

Preparer
Mark Laplace
Phone
6142211120
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“The company accounts for uncertainty in income taxes in its financial statements as required under fasb asc, accounting for uncertainty in income taxes. The standard prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The standard also provides guidance on de-recognition, classification, interest and penalties, accounting in interim periods, disclosure and transition accounting. The company's income tax returns prior to 2010 are closed. Management determined there were no material uncertain positions taken by the company in its tax returns.”

Raw XML Appendix310 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/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY/TREASURER
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IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART III-A
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE COMPANY ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ITS FINANCIAL STATEMENTS AS REQUIRED UNDER FASB ASC, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THE STANDARD PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE STANDARD ALSO PROVIDES GUIDANCE ON DE-RECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION ACCOUNTING. THE COMPANY'S INCOME TAX RETURNS PRIOR TO 2010 ARE CLOSED. MANAGEMENT DETERMINED THERE WERE NO MATERIAL UNCERTAIN POSITIONS TAKEN BY THE COMPANY IN ITS TAX RETURNS.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CUOSI BOARD OF MANAGERS EXECUTED A MANAGEMENT CONTRACT WITH OCUL SERVICES CORPORATION TO STAFF CUOSI'S OPERATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS MEMBERS CONSISTING OF CREDIT UNIONS AND CREDIT UNION LEAGUES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE MEMBERS ELECT THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DECISIONS ARE SUBJECT TO THE APPROVAL OF THE MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE RETURN IS PROVIDED TO THE BOARD FOR ITS REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5AT EACH MEETING, THE CHAIR REMINDS THE BOARD MEMBERS OF THE POLICY AND ASKS IF THERE IS ANYTHING ON THE AGENDA THAT MAY POSE A CONFLICT. THE BOARD MEMBERS ARE ALSO CAUTIONED TO RAISE THE POINT IF AT ANY TIME IN THE CONVERSATION SUCH A CONFLICT ARISES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
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IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1010 W BROAD ST NO 1100
IRS990/USAddress/City0COLUMBUS
IRS990/USAddress/State0OH
IRS990/USAddress/ZIPCode043215
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SHAWN R KESSINGER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0SIGNING OFFICER
ReturnHeader/BusinessOfficerGrp/PhoneNum06143362894
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10CREDIT UNION OUTREACH SOLUTIONS INC
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0208315913
ReturnHeader/Filer/PhoneNum06143362894
ReturnHeader/Filer/USAddress/AddressLine1010 W BROAD ST NO 1100
ReturnHeader/Filer/USAddress/City0COLUMBUS
ReturnHeader/Filer/USAddress/State0OH
ReturnHeader/Filer/USAddress/ZIPCode043215
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202122306
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10GBQ PARTNERS LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10230 WEST STREET SUITE 700
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0COLUMBUS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0432152663
ReturnHeader/PreparerPersonGrp/PhoneNum06142211120
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARK LAPLACE
ReturnHeader/ReturnTs02014-08-14T16:47:44-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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