Civic Intelligence

First Jersey Credit Union

990 • Fiscal year 2011 • EIN 22-0766924

Jan 01, 2011 to Dec 31, 2011 • Filed on Aug 10, 2012

Organization ProfileWWW.FIRSTJERSEYCU.COM

View Organization Page

1 Corporate Drive07470
Siviq Scores

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

Liabilities / Assets

30th percentile

0.88x

Higher debt load relative to assets than 30% 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

23rd percentile

0.9%

Faster asset growth than 23% 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 / Assets30th percentile

Assets

$127,956,120

No earlier filing loaded for comparison.

Net Assets

$15,417,304

No earlier filing loaded for comparison.

Liabilities

$112,538,816

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$5,339,222

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth23rd percentile

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

$200M$150M$100M$50M$0Assets 2011: $127,956,120Liabilities 2011: $112,538,816Net Assets 2011: $15,417,3042011Assets 2012: $141,976,288Liabilities 2012: $127,039,467Net Assets 2012: $14,936,8212012Assets 2013: $147,954,055Liabilities 2013: $133,902,102Net Assets 2013: $14,051,9532013Assets 2014: $152,897,448Liabilities 2014: $138,285,808Net Assets 2014: $14,611,6402014

Highlighted filing

2011

Assets$127,956,120
Liabilities$112,538,816
Net Assets$15,417,304
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 2011: $5,339,2222011Expenses 2012: $6,364,1822012Revenue 2013: $7,267,011Expenses 2013: $6,991,505Net Income 2013: $275,5062013Revenue 2014: $8,110,291Expenses 2014: $8,346,911Net Income 2014: -$236,6202014

Highlighted filing

2011

Revenue-
Expenses$5,339,222
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Aug 10, 2012
Return Version
2011v1.2
Gross Receipts
$5,755,646
Mission and Program Overview

Mission

To provide lending savings and other financial services to its qualifying members.

Filing and Contact Details

Filer

EIN
22-0766924
Raw XML AppendixShowing 400 of 454 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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IRS990ScheduleO/GeneralExplanation/Explanation0FORM 990 PART VI SECTION A LINE 6 THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 9000 MEMBER-OWNERS EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP GOVERNANCE AND VOTING RIGHTS AT THE ANNUAL MEETINGS. FORM 990 PART VI SECTION A LINE 7B MAJOR DECISIONS SUCH AS CHANGING THE NAME OF THE CREDIT UNION OR RELOCATING THE PHYSICAL LOCATION OF THE MAIN OFFICE ARE SUBJECT TO APPROVAL BY THE MEMBERSHIP. FORM 990 PART VI SECTION B LINE 10A THE CREDIT UNION MAINTAINS TWO BRANCHES ONE CORPORATE DRIVE WAYNE NJ 07470 245 DIAMOND BRIDGE AVENUE HAWTHORNE NJ 07506 FORM 990 PART VI SECTION B LINE 11A SECTION C LINE 19 A COPY OF THE FORM 990 IS DISTRIBUTED AND REVIEWED AT A MEETING OF THE BOARD OF DIRECTORS PRIOR TO FILING. THE CREDIT UNION'S GOVERNING DOCUMENTS CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST FROM MANAGEMENT. A COPY OF THE ANNUAL REPORT IS PRESENTED TO MEMBERS ATTENDING THE ANNUAL MEETING. FORM 990 PART VI SECTION B LINE 12C COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY IS MONITORED IN THE COURSE OF OUR QUARTERLY AND ANNUAL AUDITS AS PERFORMED BY OUR INDEPENDENT AUDITORS CLIFTON LARSON ALLEN LLP. FORM 990 PART VI SECTION B LINE 15AB THE CREDIT UNION UTILIZES THE CREDIT UNION EXECUTIVES SOCIETY (CUES) EXECUTIVE COMPENSATION SALARY SURVEY AS A GUIDELINE. THE DIRECTORS HAVE INPUT IN EVALUATING THE CEO AND THE CEO HAS INPUT IN EVALUATING OTHER OFFICERS. ALL COMPENSATION IS APPROVED DURING THE BUDGETING PROCESS EACH YEAR. FORM 990 PART XI LINE 5 NET ASSETS INCREASED BY 23830 DURING THE YEAR AS A RESULT OF AN INCREASE IN THE MARKET VALUE OF INVESTMENTS CLASSIFIED AS AVAILABLE FOR SALE IN ACCORDANCE WITH GENERALLY ACCEPTED ACCOUNTING PRINCIPLES. SCHEDULE L PART II LOANS TO ANDOR FROM INTERESTED PERSONS ALL LOANS WERE GRANTED AT THE SAME TERMS AS WERE GIVEN TO ALL QUALIFYING CREDIT UNION MEMBERS. ALL SUCH LOANS INDICATED ARE DULY NOTED IN THE MINUTES OF THE APPLICABLE BOARD MEETING.
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IRS990/School0false
IRS990/SignificantChange0false
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IRS990/StateLegalDomicile0NJ
IRS990/SubjectToProxyTax0false
IRS990/TaxableDistributions0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine101 CORPORATE DRIVE
IRS990/TheBooksAreInCareOf/AddressUS/City0WAYNE
IRS990/TheBooksAreInCareOf/AddressUS/State0NJ
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode007470
IRS990/TheBooksAreInCareOf/NamePerson0KEN KLEINMANNS
IRS990/TheBooksAreInCareOf/TelephoneNumber09733058889
IRS990/TotalAssets/BOY0126757085
IRS990/TotalAssetsBOY0126757085
IRS990/TotalAssets/EOY0127956120
IRS990/TotalAssetsEOY0127956120
IRS990/TotalCompGT150K0false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$127,956,120
Liabilities
$112,538,816
Net assets
$15,417,304
Revenue
-
Expenses
$5,339,222
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$153$138$14.6$8.11$8.35$0.24
2013Detailed filing. Detailed filing data is available for this year.$148$134$14.1$7.27$6.99$0.28
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$142$127$14.9$6.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$128$113$15.4$5.34
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2011 filings • 501(c)14 • $100M-$250M nonprofits