Civic Intelligence

138 Towpath Credit Union Inc

990 • Fiscal year 2012 • EIN 34-0058905

Jan 01, 2012 to Dec 31, 2012 • Filed on Jul 26, 2013

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

45th percentile

0.89x

Higher debt load relative to assets than 45% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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

25th percentile

1.9%

Faster asset growth than 25% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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 / Assets45th percentile

Assets

Up

$114,237,874

Up $2,175,958 (+1.9%) from 2011

Net Assets

Up

$12,535,859

Up $218,189 (+1.8%) from 2011

Liabilities

Up

$101,702,015

Up $1,957,769 (+2.0%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$4,704,717

Down $1,283,559 (-21%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth25th 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

2012

Assets$114,237,874
Liabilities$101,702,015
Net Assets$12,535,859
Open 2012 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

2012

Revenue-
Expenses$4,704,717
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Jul 26, 2013
Return Version
2012v2.0
Gross Receipts
$4,990,468
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, certificates of deposit accounts, Christmas clubs and other various types. At year end, there were approximately 31,730 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, 2013.
IRS990ScheduleO/GeneralExplanation/Explanation1The 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/Explanation2The members of the Credit Union have the authority to elect members of the Board of Directors for 3 year terms.
IRS990ScheduleO/GeneralExplanation/Explanation3Changes to bylaws must be approved by the membership after approval by the Board of Directors and the State Division of Credit Unions.
IRS990ScheduleO/GeneralExplanation/Explanation4Completed Form 990 submitted to CEO for filing approval.
IRS990ScheduleO/GeneralExplanation/Explanation5Code of Conduct affirmation form completed by Board of Directors annually.
IRS990ScheduleO/GeneralExplanation/Explanation6Compensation survey conducted by outside service. CEO compensation reviewed and approved by the Board of Directors.
IRS990ScheduleO/GeneralExplanation/Explanation7Credit Union's current financials are on display in lobbies of each branch. Any additional documents can be viewed at the main branch by appointment.
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IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine102969 Smith Rd
IRS990/TheBooksAreInCareOf/AddressUS/City0Fairlawn
IRS990/TheBooksAreInCareOf/AddressUS/State0OH
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode044333
IRS990/TheBooksAreInCareOf/NamePerson0Melissa Dawson
IRS990/TheBooksAreInCareOf/TelephoneNumber03306644700
IRS990/TotalAssets/BOY0112061916
IRS990/TotalAssetsBOY0112061916
IRS990/TotalAssets/EOY0114237874
IRS990/TotalAssetsEOY0114237874
IRS990/TotalCompGT150K00
IRS990/TotalContributions00
IRS990/TotalExpensesCurrentYear04704717
IRS990/TotalExpensesPriorYear05988276
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total04704717
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI036134
IRS990/TotalLiabilities/BOY099744246
IRS990/TotalLiabilitiesBOY099744246
IRS990/TotalLiabilities/EOY0101702015
IRS990/TotalLiabilitiesEOY0101702015
IRS990/TotalLiabNetAssetsFundBalances/BOY0112061916
IRS990/TotalLiabNetAssetsFundBalances/EOY0114237874
IRS990/TotalNbrEmployees053
IRS990/TotalNbrVolunteers07
IRS990/TotalNetAssetsFundBalances/BOY012317670
IRS990/TotalNetAssetsFundBalances/EOY012535859
IRS990/TotalOfOtherProgramServiceExp00

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
$114,237,874
Liabilities
$101,702,015
Net assets
$12,535,859
Revenue
-
Expenses
$4,704,717
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