Civic Intelligence

Consol Employees Credit Union

990 • Fiscal year 2012 • EIN 25-1378255

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 24, 2013

CNX Center1000 CONSOL Energy Drive15317
Siviq Scores

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

Liabilities / Assets

5th percentile

0.00x

Higher debt load relative to assets than 5% 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

52nd percentile

3.8%

Faster asset growth than 52% 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.

Assets

Up

$17,943,375

Up $661,511 (+3.8%) from 2011

Net Assets

Up

$17,904,928

Up $663,236 (+3.8%) from 2011

Liabilities

Down

$38,447

Down $1,725 (-4.3%) from 2011

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$540,857

Down $22,694 (-4.0%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$20M$15M$10M$5.0M$0Assets 2010: $14,786,467Liabilities 2010: $39,900Net Assets 2010: $14,746,5672010Assets 2011: $17,281,864Liabilities 2011: $40,172Net Assets 2011: $17,241,6922011Assets 2012: $17,943,375Liabilities 2012: $38,447Net Assets 2012: $17,904,9282012Assets 2013: $17,223,414Liabilities 2013: $36,019Net Assets 2013: $17,187,3952013Assets 2014: $16,428,692Liabilities 2014: $44,473Net Assets 2014: $16,384,2192014Assets 2015: $15,605,493Liabilities 2015: $27,179Net Assets 2015: $15,578,3142015Assets 2016: $13,769,158Liabilities 2016: $34,611Net Assets 2016: $13,734,5472016Assets 2017: $13,270,713Liabilities 2017: $77,654Net Assets 2017: $13,193,0592017Assets 2018: $12,647,632Liabilities 2018: $143,195Net Assets 2018: $12,504,4372018Assets 2019: $12,964,013Liabilities 2019: $178,438Net Assets 2019: $12,785,5752019

Highlighted filing

2012

Assets$17,943,375
Liabilities$38,447
Net Assets$17,904,928

Operations Trend

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

$600K$400K$200K$0-$200KExpenses 2010: $577,5862010Expenses 2011: $563,5512011Expenses 2012: $540,8572012Revenue 2013: $568,902Expenses 2013: $527,916Net Income 2013: $40,9862013Revenue 2014: $542,268Expenses 2014: $577,998Net Income 2014: -$35,7302014Revenue 2015: $461,218Expenses 2015: $507,325Net Income 2015: -$46,1072015Revenue 2016: $387,466Expenses 2016: $458,191Net Income 2016: -$70,7252016Revenue 2017: $418,324Expenses 2017: $422,951Net Income 2017: -$4,6272017Revenue 2018: $518,753Expenses 2018: $557,139Net Income 2018: -$38,3862018Revenue 2019: $104,630Expenses 2019: $138,892Net Income 2019: -$34,2622019

Highlighted filing

2012

Revenue-
Expenses$540,857
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 24, 2013
Return Version
2012v2.0
Gross Receipts
$609,060
Mission and Program Overview

Mission

Credit unions are cooperative savings and credit associations incorporated under Act #260 of May 1993, oar Act #183 of Sept. 1961 for the purpose of promoting thrift among its members. Also to create a source of credit for such members at reasonable rates to use and control their own money on a democratic basis in order to improve their own economic and social condition.

Filing and Contact Details

Filer

EIN
25-1378255
Raw XML AppendixShowing 400 of 433 raw XML fields

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IRS990/ActivityOrMissionDescription0The CONSOL Employees Credit Union provides financial services for the employees and immediate family members of CONSOL Energy. The credit union provides low cost loans and competitive rate savings accounts. The credit union also provides convenient access for the employees to access their accounts.
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IRS990/Description0The credit union is a democratically controlled not-for-profit financial cooperative that is owned by, and operated for the benefit of the membership. The mission of the CONSOL Employees Credit Union is to provide excellent service and to meet the financial needs of its members by furnishing the widest array of possible high quality, low cost, financial products, services and information.
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IRS990/MissionDescription0Credit unions are cooperative savings and credit associations incorporated under Act #260 of May 1993, or Act #183 of Sept. 1961 for the purpose of promoting thrift amoung its members. Also to create a source of credit for such members at reasonable rates to use and control their own money on a democratic basis in order to improve their own economic and social condition.
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IRS990ScheduleL/LoanTable/NamePerson0David McCrackin
IRS990ScheduleL/LoanTable/NamePerson1Tamara Heath
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IRS990ScheduleL/LoanTable/NamePerson4Ronald Melani
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IRS990ScheduleL/LoanTable/PurposeOfLoan1Used Auto
IRS990ScheduleL/LoanTable/PurposeOfLoan2Used Auto
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IRS990ScheduleL/LoanTable/PurposeOfLoan4Used Auto
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IRS990ScheduleO/GeneralExplanation/Explanation0As defined by the Federal Credit Union Act, each accountholder is considered a voting member.
IRS990ScheduleO/GeneralExplanation/Explanation1As required by the Federal Credit Union Act, every credit union is required to hold an Annual Meeting where members elect Officers, Directors, and Committee Members that represent the credit union membership. In addition, anytime there needs to be a bylaw ammendment, a special meeting of the membership needs to be held and the bylaw ammendment needs to be voted on by the members.
IRS990ScheduleO/GeneralExplanation/Explanation2Anytime a bylaw ammendment is necessary, a Special Meeting needs to be called and the members need to vote on the ammendment.
IRS990ScheduleO/GeneralExplanation/Explanation3A copy of the Form 990 will be reviewed by the Board of Directors at its regular monthly meeting prior to its submittal.
IRS990ScheduleO/GeneralExplanation/Explanation4All employees, volunteers, and officers of the credit union are required to complete and sign a Business Ethics Disclosure that states they do not have any conflicts of interest, and if any exist they must be disclosed in detail.
IRS990ScheduleO/GeneralExplanation/Explanation5A copy of the credit unions policy manual is on file at the credit union office for any member to view. Also the credit union is required to post its most recent financial statement in the credit union office.
IRS990ScheduleO/GeneralExplanation/Explanation6Amount represents the fluctuations in members savings and loan account balances.
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IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section C, Line 19
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IRS990/TheBooksAreInCareOf/AddressUS/AddressLine201000 CONSOL Energy Drive
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IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode015317
IRS990/TheBooksAreInCareOf/NamePerson0Ronald Melani
IRS990/TheBooksAreInCareOf/TelephoneNumber07244854854
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Peer Organizations

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