Civic Intelligence

568 Cardinal Credit Union Inc

990 • Fiscal year 2012 • EIN 34-0825291

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 04, 2013

Organization ProfileWWW.CARDINALCU.COM

View Organization Page

8500 Westport Drive44060
Siviq Scores

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

Liabilities / Assets

48th percentile

0.89x

Higher debt load relative to assets than 48% 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

84th percentile

9.5%

Faster asset growth than 84% 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 / Assets48th percentile

Assets

Up

$170,795,223

Up $14,868,063 (+9.5%) from 2011

Net Assets

Up

$18,223,454

Up $907,299 (+5.2%) from 2011

Liabilities

Up

$152,571,769

Up $13,960,764 (+10%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$7,224,487

Up $386,136 (+5.6%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth84th percentile

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

$400M$300M$200M$100M$0Assets 2010: $153,678,259Liabilities 2010: $137,591,615Net Assets 2010: $16,086,6442010Assets 2011: $155,927,160Liabilities 2011: $138,611,005Net Assets 2011: $17,316,1552011Assets 2012: $170,795,223Liabilities 2012: $152,571,769Net Assets 2012: $18,223,4542012Assets 2013: $175,147,763Liabilities 2013: $156,120,257Net Assets 2013: $19,027,5062013Assets 2015: $191,821,706Liabilities 2015: $170,582,565Net Assets 2015: $21,239,1412015Assets 2016: $243,080,984Liabilities 2016: $216,070,835Net Assets 2016: $27,010,1492016Assets 2017: $244,094,805Liabilities 2017: $215,462,994Net Assets 2017: $28,631,8112017Assets 2018: $238,914,685Liabilities 2018: $209,443,236Net Assets 2018: $29,471,4492018Assets 2019: $236,151,339Liabilities 2019: $205,562,694Net Assets 2019: $30,588,6452019Assets 2020: $262,084,279Liabilities 2020: $229,858,649Net Assets 2020: $32,225,6302020Assets 2021: $282,642,743Liabilities 2021: $248,236,980Net Assets 2021: $34,405,7632021Assets 2022: $288,887,413Liabilities 2022: $256,411,382Net Assets 2022: $32,476,0312022Assets 2024: $313,245,406Liabilities 2024: $280,639,010Net Assets 2024: $32,606,3962024

Highlighted filing

2012

Assets$170,795,223
Liabilities$152,571,769
Net Assets$18,223,454
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$20M$15M$10M$5.0M$0Expenses 2010: $7,528,3872010Expenses 2011: $6,838,3512011Expenses 2012: $7,224,4872012Revenue 2013: $7,789,443Expenses 2013: $7,559,914Net Income 2013: $229,5292013Revenue 2015: $10,203,908Expenses 2015: $9,519,003Net Income 2015: $684,9052015Revenue 2016: $12,355,265Expenses 2016: $11,051,467Net Income 2016: $1,303,7982016Revenue 2017: $14,631,695Expenses 2017: $13,303,850Net Income 2017: $1,327,8452017Revenue 2018: $14,642,083Expenses 2018: $13,748,425Net Income 2018: $893,6582018Revenue 2019: $14,097,164Expenses 2019: $13,234,778Net Income 2019: $862,3862019Revenue 2020: $13,922,243Expenses 2020: $12,262,138Net Income 2020: $1,660,1052020Revenue 2021: $13,219,321Expenses 2021: $10,449,396Net Income 2021: $2,769,9252021Revenue 2022: $13,717,571Expenses 2022: $12,727,497Net Income 2022: $990,0742022Revenue 2024: $18,595,732Expenses 2024: $18,569,996Net Income 2024: $25,7362024

Highlighted filing

2012

Revenue-
Expenses$7,224,487
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 4, 2013
Return Version
2012v2.1
Gross Receipts
$9,603,871
Mission and Program Overview

Mission

Provide financial services to qualified members.

Filing and Contact Details

Filer

EIN
34-0825291
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IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg030078
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/Title0PRESIDENT/CEO
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0230721
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SupplementalNonqualRetirePlan00
IRS990ScheduleJ/WrittenEmploymentContract0X
IRS990ScheduleO/GeneralExplanation/Explanation0MEMBERSHIP IS REQUIRED FOR THE CREDIT UNION THROUGH SELECT GROUP QUALIFICATIONS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP.
IRS990ScheduleO/GeneralExplanation/Explanation2CERTAIN CHANGES ARE SUBJECT TO MEMBER APPROVAL.
IRS990ScheduleO/GeneralExplanation/Explanation3THE FORMS ARE REVIEWED BY THE CEO, THE BOARD OF DIRECTORS AND CFO OF THE FINANCIAL INSTITUTION. THE FORM IS PROVIDED TO THE BOARD VIA E-MAIL.
IRS990ScheduleO/GeneralExplanation/Explanation4THE BOARD OF DIRECTORS IS REQUIRED TO REVIEW AND SIGN THE CONFLICT AGREEMENT ANNUALLY.
IRS990ScheduleO/GeneralExplanation/Explanation5COMPENSATION IS REVIEWED BY THE EXECUTIVE COMMITTEE. COMPARATIVE MARKET DATA IS ALSO USED FROM A THIRD PARTY SOURCE.
IRS990ScheduleO/GeneralExplanation/Explanation6THE INSTITUTION'S FINANCIAL STATEMENTS ARE POSTED PUBLICALLY. THE GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation7THE ORGANIZATION HAS AN AUDIT OVERSIGHT COMMITTEE THAT IS ESTABLISHED BY THE BOARD OF DIRECTORS.
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 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART XII, LINE 2C
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0OH
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00

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
$170,795,223
Liabilities
$152,571,769
Net assets
$18,223,454
Revenue
-
Expenses
$7,224,487
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$313$281$32.6$18.6$18.6$0.03
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$289$256$32.5$13.7$12.7$0.99
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$283$248$34.4$13.2$10.4$2.77
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$262$230$32.2$13.9$12.3$1.66
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$236$206$30.6$14.1$13.2$0.86
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$239$209$29.5$14.6$13.7$0.89
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$244$215$28.6$14.6$13.3$1.33
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$243$216$27.0$12.4$11.1$1.30
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$192$171$21.2$10.2$9.52$0.68
2013Detailed filing. Detailed filing data is available for this year.$175$156$19.0$7.79$7.56$0.23
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$171$153$18.2$7.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$156$139$17.3$6.84
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$154$138$16.1$7.53
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $100M-$250M nonprofits