Civic Intelligence

Universal 1 Credit Union Inc

990 • Fiscal year 2012 • EIN 31-0387145

Jan 01, 2012 to Dec 31, 2012 • Filed on May 10, 2013

Organization ProfileWWW.UNIVERSAL1CU.ORG

View Organization Page

1 River Park Drive45409
Siviq Scores

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

Liabilities / Assets

87th percentile

0.92x

Higher debt load relative to assets than 87% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B 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

59th percentile

6.8%

Faster asset growth than 59% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B 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 / Assets87th percentile

Assets

Up

$378,742,030

Up $24,014,296 (+6.8%) from 2011

Net Assets

Up

$30,446,525

Up $1,453,809 (+5.0%) from 2011

Liabilities

Up

$348,295,505

Up $22,560,487 (+6.9%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$19,340,822

Down $66,852 (-0.3%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth59th percentile

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

$600M$400M$200M$0Assets 2010: $346,666,681Liabilities 2010: $318,279,313Net Assets 2010: $28,387,3682010Assets 2011: $354,727,734Liabilities 2011: $325,735,018Net Assets 2011: $28,992,7162011Assets 2012: $378,742,030Liabilities 2012: $348,295,505Net Assets 2012: $30,446,5252012Assets 2013: $374,685,551Liabilities 2013: $343,111,406Net Assets 2013: $31,574,1452013Assets 2014: $379,036,533Liabilities 2014: $345,636,390Net Assets 2014: $33,400,1432014Assets 2015: $396,604,422Liabilities 2015: $363,278,782Net Assets 2015: $33,325,6402015Assets 2016: $416,366,411Liabilities 2016: $382,944,427Net Assets 2016: $33,421,9842016Assets 2017: $419,065,752Liabilities 2017: $384,943,202Net Assets 2017: $34,122,5502017Assets 2018: $416,141,862Liabilities 2018: $381,163,824Net Assets 2018: $34,978,0382018Assets 2019: $423,716,424Liabilities 2019: $386,655,327Net Assets 2019: $37,061,0972019Assets 2020: $452,632,301Liabilities 2020: $414,659,659Net Assets 2020: $37,972,6422020Assets 2021: $475,826,892Liabilities 2021: $435,669,787Net Assets 2021: $40,157,1052021Assets 2022: $453,082,352Liabilities 2022: $419,673,621Net Assets 2022: $33,408,7312022Assets 2023: $417,035,587Liabilities 2023: $377,657,026Net Assets 2023: $39,378,5612023Assets 2024: $417,734,447Liabilities 2024: $375,621,879Net Assets 2024: $42,112,5682024

Highlighted filing

2012

Assets$378,742,030
Liabilities$348,295,505
Net Assets$30,446,525
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0Expenses 2010: $20,002,1552010Expenses 2011: $19,407,6742011Expenses 2012: $19,340,8222012Revenue 2013: $21,036,580Expenses 2013: $20,118,039Net Income 2013: $918,5412013Revenue 2014: $21,865,688Expenses 2014: $19,620,879Net Income 2014: $2,244,8092014Revenue 2015: $20,458,037Expenses 2015: $20,180,338Net Income 2015: $277,6992015Revenue 2016: $19,919,892Expenses 2016: $19,720,875Net Income 2016: $199,0172016Revenue 2017: $20,245,490Expenses 2017: $19,517,603Net Income 2017: $727,8872017Revenue 2018: $21,366,208Expenses 2018: $20,528,883Net Income 2018: $837,3252018Revenue 2019: $21,416,297Expenses 2019: $19,729,060Net Income 2019: $1,687,2372019Revenue 2020: $18,399,361Expenses 2020: $17,554,896Net Income 2020: $844,4652020Revenue 2021: $18,974,323Expenses 2021: $15,002,754Net Income 2021: $3,971,5692021Revenue 2022: $20,536,966Expenses 2022: $18,365,211Net Income 2022: $2,171,7552022Revenue 2023: $26,354,343Expenses 2023: $23,575,926Net Income 2023: $2,778,4172023Revenue 2024: $26,406,938Expenses 2024: $25,948,508Net Income 2024: $458,4302024

Highlighted filing

2012

Revenue-
Expenses$19,340,822
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 10, 2013
Return Version
2012v2.1
Gross Receipts
$53,480,291
Mission and Program Overview

Mission

To advance the credit union ideal of a member owned, not-for-profit financial cooperative; to provide and promote the use of numerous innovative and high quality financial services featuring competitive benefits and advantages to help members gain personal financial success; and to extend services emphasizing financial education throughout the membership and community.

Major Activities

Activity 2
Providing financial services to credit union members. We provided 21,126 checking accounts; 47,144 savings accounts; 1,447 money market accounts; 5,415 certificate of deposits; 2,180 retirement accounts; and 375 other accounts to members in 2012.
Filing and Contact Details

Filer

EIN
31-0387145
Raw XML AppendixShowing 400 of 551 raw XML fields

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IRS990/RevenuesLessExpensesPriorYear0460374
IRS990/SalariesEtcCurrentYear05974434
IRS990/SalariesEtcPriorYear05734508
IRS990/SavingsAndTempCashInvestments/BOY015459122
IRS990/SavingsAndTempCashInvestments/EOY028488608
IRS990/ScheduleBRequired00
IRS990ScheduleD/AgentTrusteeEtc00
IRS990ScheduleD/Buildings/BookValue04635153
IRS990ScheduleD/Buildings/Depreciation04085562
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis08720715
IRS990ScheduleD/Equipment/BookValue0865885
IRS990ScheduleD/Equipment/Depreciation06095839
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis06961724
IRS990ScheduleD/ExplanationInPartXIII0X
IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION COLLECTS A MONTHLY AMOUNT ALONG WITH PRINCIPAL AND INTEREST FOR OUR FIRST MORTGAGE LOANS TO PAY THE MEMBER'S REAL ESTATE TAXES AND INSURANCE.
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation1INCOME TAXES FOOTNOTE FROM THE SEPTEMBER 30, 2012 AUDITED FINANCIAL STATEMENTS: THE CREDIT UNION IS GENERALLY EXEMPT FROM FEDERAL AND STATE INCOME TAXES IN ACCORDANCE WITH SECTION 1733.43 OF THE LAWS RELATED TO STATE-CHARTERED CREDIT UNIONS. THE INTERNAL REVENUE SERVICE (IRS) HAS RULED THAT CERTAIN ACTIVITIES OF STATE-CHARTERED CREDIT UNIONS MAY BE SUBJECT TO FEDERAL INCOME TAXATION, PURSUANT TO UNRELATED BUSINESS INCOME TAX (UBIT) PROVISIONS OF THE INTERNAL REVENUE CODE. THE CREDIT UNION HAS MET ITS FILING REQUIREMENT AND DETERMINED IT HAD NO OBLIGATION UNDER THE UBIT RULES. THE CREDIT UNION'S FEDERAL INFORMATION RETURNS ARE SUBJECT TO EXAMINATION BY THE INTERNAL REVENUE SERVICE FOR A PERIOD OF THREE YEARS AFTER FILING. THE CREDIT UNION HAS BEEN REQUIRED TO FILE A FEDERAL INFORMATION RETURN SINCE 2008.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0PART IV, LINE 2B:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference1PART X, LINE 2:
IRS990ScheduleD/IncludedOnFS01
IRS990ScheduleD/Land/BookValue01814062
IRS990ScheduleD/Land/OtherCostOrOtherBasis01814062
IRS990ScheduleD/LeaseholdImprovements/BookValue0131238
IRS990ScheduleD/LeaseholdImprovements/Depreciation0632596
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis0763834
IRS990ScheduleD/OtherLiabilities/Amount0344745727
IRS990ScheduleD/OtherLiabilities/Description0MEMBER SHARES AND CERTIFICATES
IRS990ScheduleD/OtherSecurities/BookValue028620523
IRS990ScheduleD/OtherSecurities/Description0OTHER SECURITIES
IRS990ScheduleD/OtherSecurities/MethodOfValuation0F
IRS990ScheduleD/TotalOfAmounts0344745727
IRS990ScheduleD/TotalOfBookValueLandBuildings07446338
IRS990ScheduleD/TotalOfBookValueSecurities028620523
IRS990ScheduleI/Form990ScheduleIPartIII/AmountOfCashGrant03000
IRS990ScheduleI/Form990ScheduleIPartIII/AmountOfCashGrant18704
IRS990ScheduleI/Form990ScheduleIPartIII/NumberOfRecipients03
IRS990ScheduleI/Form990ScheduleIPartIII/NumberOfRecipients11
IRS990ScheduleI/Form990ScheduleIPartIII/TypeOfGrant0CREDIT UNION SCHOLARSHIPS
IRS990ScheduleI/Form990ScheduleIPartIII/TypeOfGrant1TUITION COST - INDIANA WESLEYAN UNIVERSITY
IRS990ScheduleI/RecordsMaintained01
IRS990ScheduleJ/BoardOrCommitteeApproval0X
IRS990ScheduleJ/CompensationSurvey0X
IRS990ScheduleJ/EquityBasedCompArrangement00
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0227597
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg1110037
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg2115121
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg030750

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$378,742,030
Liabilities
$348,295,505
Net assets
$30,446,525
Revenue
-
Expenses
$19,340,822
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$418$376$42.1$26.4$25.9$0.46
2023Detailed filing. Detailed filing data is available for this year.$417$378$39.4$26.4$23.6$2.78
2022Detailed filing. Detailed filing data is available for this year.$453$420$33.4$20.5$18.4$2.17
2021Detailed filing. Detailed filing data is available for this year.$476$436$40.2$19.0$15.0$3.97
2020Detailed filing. Detailed filing data is available for this year.$453$415$38.0$18.4$17.6$0.84
2019Detailed filing. Detailed filing data is available for this year.$424$387$37.1$21.4$19.7$1.69
2018Detailed filing. Detailed filing data is available for this year.$416$381$35.0$21.4$20.5$0.84
2017Detailed filing. Detailed filing data is available for this year.$419$385$34.1$20.2$19.5$0.73
2016Detailed filing. Detailed filing data is available for this year.$416$383$33.4$19.9$19.7$0.20
2015Detailed filing. Detailed filing data is available for this year.$397$363$33.3$20.5$20.2$0.28
2014Detailed filing. Detailed filing data is available for this year.$379$346$33.4$21.9$19.6$2.24
2013Detailed filing. Detailed filing data is available for this year.$375$343$31.6$21.0$20.1$0.92
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$379$348$30.4$19.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$355$326$29.0$19.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$347$318$28.4$20.0