Civic Intelligence

North Districts Community Credit Union

990 • Fiscal year 2013 • EIN 25-1121633

Jan 01, 2013 to Dec 31, 2013 • Filed on May 13, 2014

Organization ProfileN/A
5321 William Flynn Highway15044

(724) 444-8181

Siviq Scores

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

Liabilities / Assets

1st percentile

0.00x

Higher debt load relative to assets than 1% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

2nd percentile

0.05x

Higher debt load relative to revenue than 2% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

78th percentile

13%

Higher net margin than 78% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

42nd percentile

$87,636

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 8.4% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

91st percentile

8.4%

Faster asset growth than 91% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M 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 / Assets1st percentile

Assets

Up

$30,455,331

Up $2,357,078 (+8.4%) from 2012

Net Assets

Up

$30,406,679

Up $2,353,877 (+8.4%) from 2012

Liabilities

Up

$48,652

Up $3,201 (+7.0%) from 2012

Revenue And Expenses
Liabilities / Revenue2nd percentileNet Margin78th percentile

Revenue

$1,040,652

No earlier filing loaded for comparison.

Expenses

Up

$901,440

Up $20,975 (+2.4%) from 2012

Net Income

$139,212

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth91st percentile

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

$60M$40M$20M$0Assets 2010: $24,393,047Liabilities 2010: $55,194Net Assets 2010: $24,337,8532010Assets 2011: $26,019,438Liabilities 2011: $42,838Net Assets 2011: $25,976,6002011Assets 2012: $28,098,253Liabilities 2012: $45,451Net Assets 2012: $28,052,8022012Assets 2013: $30,455,331Liabilities 2013: $48,652Net Assets 2013: $30,406,6792013Assets 2014: $32,285,623Liabilities 2014: $70,945Net Assets 2014: $32,214,6782014Assets 2016: $33,910,919Liabilities 2016: $131,192Net Assets 2016: $33,779,7272016Assets 2018: $36,168,806Liabilities 2018: $39,813Net Assets 2018: $36,128,9932018Assets 2019: $36,239,999Liabilities 2019: $35,310Net Assets 2019: $36,204,6892019Assets 2020: $41,650,263Liabilities 2020: $76,429Net Assets 2020: $41,573,8342020Assets 2021: $44,616,358Liabilities 2021: $47,118Net Assets 2021: $44,569,2402021

Highlighted filing

2013

Assets$30,455,331
Liabilities$48,652
Net Assets$30,406,679
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0Expenses 2010: $933,1612010Expenses 2011: $911,1542011Expenses 2012: $880,4652012Revenue 2013: $1,040,652Expenses 2013: $901,440Net Income 2013: $139,2122013Revenue 2014: $1,047,060Expenses 2014: $919,669Net Income 2014: $127,3912014Revenue 2016: $1,118,750Expenses 2016: $962,667Net Income 2016: $156,0832016Revenue 2018: $1,316,103Expenses 2018: $1,109,437Net Income 2018: $206,6662018Revenue 2019: $1,480,739Expenses 2019: $1,047,017Net Income 2019: $433,7222019Revenue 2020: $1,412,619Expenses 2020: $1,000,673Net Income 2020: $411,9462020Revenue 2021: $1,202,705Expenses 2021: $991,964Net Income 2021: $210,7412021

Highlighted filing

2013

Revenue$1,040,652
Expenses$901,440
Net Income$139,212
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 13, 2014
Return Version
2013v3.1
Gross Receipts
$1,040,652
Mission and Program Overview

Mission

SEE A BELOW

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$24,900,600$30,030,596▲ $5,129,996
Other Notes and Loans Receivable, Net$17,229,559$17,699,531▲ $469,972
Savings and Temporary Cash Investments$10,695,975$12,581,627▲ $1,885,652
Rtn Earn Endowment Incm Other Fnds$3,152,202$376,083▼ $2,776,119
Cash and Non-Interest-Bearing Accounts$147,983$155,870▲ $7,887
Prepaid Expenses and Deferred Charges$24,158$14,662▼ $9,496
Accounts Receivable$440$3,503▲ $3,063
Land, Buildings, and Equipment, Net$138$138→ $0
Total Assets$28,098,253$30,455,331▲ $2,357,078
Liabilities
Accounts Payable and Accrued Expenses$45,451$48,652▲ $3,201
Total Liabilities$45,451$48,652▲ $3,201
Net Assets / Fund Balance
Total Net Assets Fund Balance$28,052,802$30,406,679▲ $2,353,877
Total Liabilities and Net Assets / Fund Balance$28,098,253$30,455,331▲ $2,357,078

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$138--
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Thomas CastelloTreasurerFT$87,636$87,636
Linda TrautmannEmployeeFT$61,589$61,589
Charlene RothEmployeeFT$43,830$43,830
Donna CastelloEmployeeFT$41,034$41,034
Linda FrymanEmployeeFT$40,311$40,311
Lynette SevcikEmployeeFT$34,170$34,170
Ted ThimonsPresidentPT$20,250$20,250
Mary E FoxBoard Member-$9,825$9,825
Donald DeetsSecretary-$5,940$5,940
Ronald LunardiSupervisory Comm-chair-$5,040$5,040
Barbara MccalleyBoard Member-$3,570$3,570
James WillVice-president-$2,880$2,880
Jason RothEmployeePT$2,574$2,574
Nancy BlubaughBoard Rep-$1,950$1,950
Robert WiskemannBoard Rep-$1,950$1,950
Gregory ZyhowskiBoard Member-$1,500$1,500
Katie MartinezEmployee-$520$520

Board Members and Trustees

NameTitle
Edward BraunSupervisory Comm
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,040,652
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$139,212
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$453,621
Other Expenses$447,819
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses---$402,401
Current Officers, Directors, Trustees, and Key Employees---$362,953
Other Employee Benefits---$61,815
Payroll Taxes---$28,853
Occupancy---$26,091
Other Expenses---$6,634
Travel---$329
Total Functional Expenses$0$0$0$901,440
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
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes
Filing and Contact Details

Filer

EIN
25-1121633
Phone
7244448181

Signing Officer

Name
Ted Thimons
Title
President
Phone
7244448181
Signed
2014-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Thomas Castello
Formed
1942
Legal Domicile
Pa
Voting Board Members
3,456
Independent Board Members
3,456
Employees
14
Volunteers
0

Preparer

Preparer
Ronald J Lunardi
Phone
4124870404
Supplemental Narrative

Additional Explanations

Pt VI, Line 3

“Duties are rotated regularly between office personnel”

Pt VI, Line 6

“There are 3642 voting members”

Pt VI, Line 7A

“Members elect officers at the annual meeting”

Pt VI, Line 11B

“Form 990 supplied upon request”

Pt VI, Line 12C

“MONTHLY BOD MEETINGS”

Pt VI, Line 15B

“Bod reviews salaries yearly”

Pt VI, Line 19

“Policies and financials available upon request”

Pt VI, Line 5

“ADDITIONAL FUND BALANCES”

Pt VI, Line 15A

“Bod reviews salaries yearly”

Pt XI, Line 9

“NET INCOME FOR YEAR”

Form 990, Part IX, Line 24F

“Window mtn 330. Marketing 12725. Share draft expense 10369. Check card expense 2291. New account fee 444. Board meeting expenses 25772. Computer equipment 11399. Amis support 12226. Office expense 2120. Software support 2799. Amis 1099 611. Insurance 2306. Web site 1260. Home banking 6900. Bank charges 2579. Visa expenses 38591. Loan servicing 45072. Loan collection 6753. Provision for loan losses 22000. Life savings insurance 2342. Members insurance ncusif 21926. Examination fees 7361. Annual m”

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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$30,455,331
Liabilities
$48,652
Net assets
$30,406,679
Revenue
$1,040,652
Expenses
$901,440
Net income
$139,212
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.6$0.05$44.6$1.20$0.99$0.21
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.7$0.08$41.6$1.41$1.00$0.41
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.2$0.04$36.2$1.48$1.05$0.43
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.2$0.04$36.1$1.32$1.11$0.21
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.9$0.13$33.8$1.12$0.96$0.16
2014Detailed filing. Detailed filing data is available for this year.$32.3$0.07$32.2$1.05$0.92$0.13
2013Detailed filing. Detailed filing data is available for this year.$30.5$0.05$30.4$1.04$0.90$0.14
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.1$0.05$28.1$0.88
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.0$0.04$26.0$0.91
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.4$0.06$24.3$0.93