Civic Intelligence

138 Towpath Credit Union Inc

990 • Fiscal year 2011 • EIN 34-0058905

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

Organization Profilewww.towpathcu.com

View Organization Page

2969 Smith Rd44333
Siviq Scores

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

Liabilities / Assets

40th percentile

0.89x

Higher debt load relative to assets than 40% 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

100th percentile

55%

Faster asset growth than 100% 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 / Assets40th percentile

Assets

Up

$112,061,916

Up $39,852,022 (+55%) from 2010

Net Assets

Up

$12,317,670

Up $3,668,603 (+42%) from 2010

Liabilities

Up

$99,744,246

Up $36,183,419 (+57%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$5,988,276

Up $2,193,462 (+58%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth100th percentile

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

$200M$150M$100M$50M$0Assets 2010: $72,209,894Liabilities 2010: $63,560,827Net Assets 2010: $8,649,0672010Assets 2011: $112,061,916Liabilities 2011: $99,744,246Net Assets 2011: $12,317,6702011Assets 2012: $114,237,874Liabilities 2012: $101,702,015Net Assets 2012: $12,535,8592012Assets 2013: $113,894,801Liabilities 2013: $100,933,645Net Assets 2013: $12,961,1562013Assets 2014: $113,545,148Liabilities 2014: $100,200,991Net Assets 2014: $13,344,1572014Assets 2015: $116,456,558Liabilities 2015: $102,566,409Net Assets 2015: $13,890,1492015Assets 2016: $122,031,762Liabilities 2016: $107,093,376Net Assets 2016: $14,938,3862016Assets 2017: $126,948,784Liabilities 2017: $111,221,316Net Assets 2017: $15,727,4682017Assets 2018: $127,845,477Liabilities 2018: $110,973,324Net Assets 2018: $16,872,1532018Assets 2019: $131,344,949Liabilities 2019: $113,435,948Net Assets 2019: $17,909,0012019Assets 2020: $155,193,622Liabilities 2020: $136,929,159Net Assets 2020: $18,264,4632020Assets 2021: $178,726,504Liabilities 2021: $159,616,535Net Assets 2021: $19,109,9692021Assets 2022: $191,683,820Liabilities 2022: $171,918,496Net Assets 2022: $19,765,3242022Assets 2023: $198,013,463Liabilities 2023: $177,861,076Net Assets 2023: $20,152,3872023Assets 2024: $198,342,445Liabilities 2024: $177,105,093Net Assets 2024: $21,237,3522024

Highlighted filing

2011

Assets$112,061,916
Liabilities$99,744,246
Net Assets$12,317,670
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0Expenses 2010: $3,794,8142010Expenses 2011: $5,988,2762011Expenses 2012: $4,704,7172012Revenue 2013: $4,970,191Expenses 2013: $4,544,894Net Income 2013: $425,2972013Revenue 2014: $5,346,653Expenses 2014: $4,963,652Net Income 2014: $383,0012014Revenue 2015: $5,722,672Expenses 2015: $5,176,680Net Income 2015: $545,9922015Revenue 2016: $6,607,239Expenses 2016: $5,559,002Net Income 2016: $1,048,2372016Revenue 2017: $7,238,035Expenses 2017: $6,428,158Net Income 2017: $809,8772017Revenue 2018: $8,170,867Expenses 2018: $6,976,229Net Income 2018: $1,194,6382018Revenue 2019: $8,203,326Expenses 2019: $7,255,182Net Income 2019: $948,1442019Revenue 2020: $7,391,287Expenses 2020: $7,041,391Net Income 2020: $349,8962020Revenue 2021: $7,800,113Expenses 2021: $7,248,682Net Income 2021: $551,4312021Revenue 2022: $8,942,681Expenses 2022: $8,426,996Net Income 2022: $515,6852022Revenue 2023: $11,618,297Expenses 2023: $10,590,911Net Income 2023: $1,027,3862023Revenue 2024: $13,589,594Expenses 2024: $12,578,142Net Income 2024: $1,011,4522024

Highlighted filing

2011

Revenue-
Expenses$5,988,276
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Aug 31, 2012
Return Version
2011v1.2
Gross Receipts
$6,156,304
Mission and Program Overview

Mission

Towpath Credit Union provides quality financial products and services to qualified members.

Major Activities

Activity 2
Depository Accounts - The Credit Union strives to provide members with financial flexibility and encourage savings with various types of depository accounts. The Credit Union currently offers depository accounts in varieties such as draft(checking) accounts, savings accounts, money markets, certificate of deposit accounts, Christmas clubs and other various types. At year end, there were approximately 31,882 depository accounts held at the Credit Union.
Activity 3
Debit Card Program - The Credit Union strives to provide members with financial flexibility and encourage savings with the allowance of a debit card.
Filing and Contact Details

Filer

EIN
34-0058905
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IRS990ScheduleO/GeneralExplanation/Explanation0Form 990-T to be completed. Due Nov 15, 2012.
IRS990ScheduleO/GeneralExplanation/Explanation1Classes of Members or Stockholders - The Credit Union is comprised of a single class of member-owners, each of whom has equal rights in ownership, governance, and voting rights at the annual meetings, with the exception of member-owners, who are elected to the Board of Directors.
IRS990ScheduleO/GeneralExplanation/Explanation2Election of Members are their rights - The members of the Credit Union have the authority to elect members of the Board of Directors for 3 year terms.
IRS990ScheduleO/GeneralExplanation/Explanation3Decisions Subject to Approval of Members - Changes to bylaws must be approved by the membership after approval by the Board of Directors and the State Division of Credit Unions.
IRS990ScheduleO/GeneralExplanation/Explanation4Form 990 Review Process - Completed Form 990 submitted to CEO for filing approval and presented at next scheduled Board of Directors meeting.
IRS990ScheduleO/GeneralExplanation/Explanation5Enforcement of Conflicts Policy - Code of Conduct affirmation form completed by Board of Director as well as employees annually.
IRS990ScheduleO/GeneralExplanation/Explanation6Compensation Processes - CEO compensation reviewed and approved by Board of Directors.
IRS990ScheduleO/GeneralExplanation/Explanation7Governing Documents Disclosure - Credit Union's current financials are on display in lobbies of each branch. Any additional documents can be viewed at the main branch by appointment.
IRS990ScheduleO/GeneralExplanation/Explanation8Difference is a result of the Business Combination Accounting - Equity Aquired in Merger $3,688,871.04 and TeleCommunity income year to date 05/31/11 (date of merger) $15,801.71. Also, the difference in unrealized gain/loss on investments - $172,493.50
IRS990ScheduleO/GeneralExplanation/Identifier0F990_P05_S00_L03b
IRS990ScheduleO/GeneralExplanation/Identifier1F990_P06_S0A_L06
IRS990ScheduleO/GeneralExplanation/Identifier2F990_P06_S0A_L07a
IRS990ScheduleO/GeneralExplanation/Identifier3F990_P06_S0A_L07b
IRS990ScheduleO/GeneralExplanation/Identifier4F990_P06_S0B_L11b
IRS990ScheduleO/GeneralExplanation/Identifier5F990_P06_S0B_L12c
IRS990ScheduleO/GeneralExplanation/Identifier6F990_P06_S0B_L15
IRS990ScheduleO/GeneralExplanation/Identifier7F990_P06_S0C_L19
IRS990ScheduleO/GeneralExplanation/Identifier8F990_P11_S00_L05
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part V, Line 3b
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/GeneralExplanation/ReturnReference7Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference8Form 990, Part XI, Line 5
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0OH

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$112,061,916
Liabilities
$99,744,246
Net assets
$12,317,670
Revenue
-
Expenses
$5,988,276
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$198$177$21.2$13.6$12.6$1.01
2023Detailed filing. Detailed filing data is available for this year.$198$178$20.2$11.6$10.6$1.03
2022Detailed filing. Detailed filing data is available for this year.$192$172$19.8$8.94$8.43$0.52
2021Detailed filing. Detailed filing data is available for this year.$179$160$19.1$7.80$7.25$0.55
2020Detailed filing. Detailed filing data is available for this year.$155$137$18.3$7.39$7.04$0.35
2019Detailed filing. Detailed filing data is available for this year.$131$113$17.9$8.20$7.26$0.95
2018Detailed filing. Detailed filing data is available for this year.$128$111$16.9$8.17$6.98$1.19
2017Detailed filing. Detailed filing data is available for this year.$127$111$15.7$7.24$6.43$0.81
2016Detailed filing. Detailed filing data is available for this year.$122$107$14.9$6.61$5.56$1.05
2015Detailed filing. Detailed filing data is available for this year.$116$103$13.9$5.72$5.18$0.55
2014Detailed filing. Detailed filing data is available for this year.$114$100$13.3$5.35$4.96$0.38
2013Detailed filing. Detailed filing data is available for this year.$114$101$13.0$4.97$4.54$0.43
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$114$102$12.5$4.70
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$112$99.7$12.3$5.99
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$72.2$63.6$8.65$3.79