Civic Intelligence

Bcbsnc Credit Union

990 • Fiscal year 2012 • EIN 23-7080931

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

Organization ProfileWWW.BCBSNCCU.COM
PO Box 229127702
Siviq Scores

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

Liabilities / Assets

49th percentile

0.87x

Higher debt load relative to assets than 49% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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

2.2%

Faster asset growth than 38% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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 / Assets49th percentile

Assets

Up

$13,242,448

Up $289,840 (+2.2%) from 2011

Net Assets

Up

$1,720,429

Up $72,124 (+4.4%) from 2011

Liabilities

Up

$11,522,019

Up $217,716 (+1.9%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$1,008,948

Up $2,784 (+0.3%) 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.

$20M$15M$10M$5.0M$0Assets 2010: $11,712,364Liabilities 2010: $10,192,885Net Assets 2010: $1,519,4792010Assets 2011: $12,952,608Liabilities 2011: $11,304,303Net Assets 2011: $1,648,3052011Assets 2012: $13,242,448Liabilities 2012: $11,522,019Net Assets 2012: $1,720,4292012Assets 2013: $13,669,436Liabilities 2013: $12,115,490Net Assets 2013: $1,553,9462013Assets 2014: $15,207,271Liabilities 2014: $13,306,680Net Assets 2014: $1,900,5912014

Highlighted filing

2012

Assets$13,242,448
Liabilities$11,522,019
Net Assets$1,720,429
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $912,2622010Expenses 2011: $1,006,1642011Expenses 2012: $1,008,9482012Revenue 2013: $964,591Expenses 2013: $1,082,583Net Income 2013: -$117,9922013Revenue 2014: $1,035,261Expenses 2014: $892,729Net Income 2014: $142,5322014

Highlighted filing

2012

Revenue-
Expenses$1,008,948
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 1, 2013
Return Version
2012v2.2
Gross Receipts
$1,019,464
Mission and Program Overview

Mission

The credit union's mission

Major Activities

Activity 2
Provision for loan losses
Activity 3
PROCESSING FEES
Filing and Contact Details

Filer

EIN
23-7080931
Raw XML AppendixShowing 400 of 507 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/OtherLiabilities/Description3OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilities/Description4UNREALIZED GAIN/LOSS ON SECURITITES AVAILABLE FOR SALE
IRS990ScheduleD/OtherLiabilities/Description5ONLINE ATM CLEARING
IRS990ScheduleD/OtherLiabilities/Description6SHARES AND DEPOSITS
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IRS990ScheduleL/LoanTable/NamePerson4SUZANNE JACOBS
IRS990ScheduleL/LoanTable/NamePerson5SUZANNE JACOBS
IRS990ScheduleL/LoanTable/NamePerson6SUZANNE JACOBS
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IRS990ScheduleL/LoanTable/PurposeOfLoan1USED AUTO
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IRS990ScheduleL/LoanTable/PurposeOfLoan4OVERDRAFT PROTECTION
IRS990ScheduleL/LoanTable/PurposeOfLoan5PERSONAL
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IRS990ScheduleL/LoanTable/PurposeOfLoan7USED AUTO
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IRS990ScheduleL/LoanTable/RelationshipWithOrganization1DIRECTOR TREASURER
IRS990ScheduleL/LoanTable/RelationshipWithOrganization2DIRECTOR TREASURER
IRS990ScheduleL/LoanTable/RelationshipWithOrganization3DIRECTOR
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IRS990ScheduleL/LoanTable/RelationshipWithOrganization5CREDIT COMMITTEE
IRS990ScheduleL/LoanTable/RelationshipWithOrganization6CREDIT COMMITTEE
IRS990ScheduleL/LoanTable/RelationshipWithOrganization7DIRECTOR
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IRS990ScheduleO/GeneralExplanation/Explanation0Program Services Expenses 70,839, Grants and Allocations 0 Revenue 0 Information technology
IRS990ScheduleO/GeneralExplanation/Explanation1Program Services Expenses 62,536, Grants and Allocations 0, Revenue 0 Employee benefits
IRS990ScheduleO/GeneralExplanation/Explanation2Program Service Expenses 58,033, Grants and Allocations 0, Revenue 0 Interest
IRS990ScheduleO/GeneralExplanation/Explanation3Program Services Expenses 39,486, Grants and Allocations 0, Revenue 0, Benefits to members
IRS990ScheduleO/GeneralExplanation/Explanation4Program Service Expenses 27,470, Grants and Allocations 0, Revenue 0, Office Expenses
IRS990ScheduleO/GeneralExplanation/Explanation5Program Service Expenses 27,469, Grants and Allocations 0, Revenue 0 Depreciatioin
IRS990ScheduleO/GeneralExplanation/Explanation6Program Services Expenses 27,252, Grants and Allocations 0, Revenue0 Accounting
IRS990ScheduleO/GeneralExplanation/Explanation7Program Services Expenses 26,392, Grants and Allocations 0, Revenue 0, ATM Network Expenses
IRS990ScheduleO/GeneralExplanation/Explanation8Program Service Expenses 21,254, Grants and Allocations 0 Revenue 0 Loan Servicing
IRS990ScheduleO/GeneralExplanation/Explanation9Program Service Expenses 9,472, Grants and Allocations 0 Revenue 0 Insurance
IRS990ScheduleO/GeneralExplanation/Explanation10Program Service Expenses 64,539, Grants and Allocations 0, Revenue 0 Other Expenses
IRS990ScheduleO/GeneralExplanation/Explanation11The Credit Union has members
IRS990ScheduleO/GeneralExplanation/Explanation12Members of the Board of Directors are elected by a quorum of the Credit Union membership
IRS990ScheduleO/GeneralExplanation/Explanation13Some goverance decisions are subject to approval by the Credit Union membership
IRS990ScheduleO/GeneralExplanation/Explanation14Minutes are recorded for all meetings of the Board of Directors and other Committees
IRS990ScheduleO/GeneralExplanation/Explanation15As employees of BCBSNC leased to the Credit Union we abide by the sponsors conflict of interest and whitleblower policies
IRS990ScheduleO/GeneralExplanation/Explanation16The Credit Union abides by the NC Credit Union Division regulations for document rentention and destruction policy
IRS990ScheduleO/GeneralExplanation/Explanation17Compensation for top management officials are determined by the Board of Directors
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990 Part III
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990 Part III
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990 Part III
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990 Part III
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990 Part III
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990 Part III
IRS990ScheduleO/GeneralExplanation/Identifier6Form 990 Part III
IRS990ScheduleO/GeneralExplanation/Identifier7Form 990 Part III
IRS990ScheduleO/GeneralExplanation/Identifier8Form 990 Part III
IRS990ScheduleO/GeneralExplanation/Identifier9Form 990 Part III
IRS990ScheduleO/GeneralExplanation/Identifier10Form 990 Part III

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
$13,242,448
Liabilities
$11,522,019
Net assets
$1,720,429
Revenue
-
Expenses
$1,008,948
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$15.2$13.3$1.90$1.04$0.89$0.14
2013Detailed filing. Detailed filing data is available for this year.$13.7$12.1$1.55$0.96$1.08$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.2$11.5$1.72$1.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.0$11.3$1.65$1.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.7$10.2$1.52$0.91