Civic Intelligence

Emerald Credit Union

990 • Fiscal year 2011 • EIN 34-0835818

Jan 01, 2011 to Dec 31, 2011 • Filed on Jun 19, 2012

Organization ProfileWWW.EMERALDGCU.COM

View Organization Page

13201 Granger Road44125
Siviq Scores

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

Liabilities / Assets

76th percentile

0.91x

Higher debt load relative to assets than 76% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M 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

55th percentile

4.1%

Faster asset growth than 55% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M 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 / Assets76th percentile

Assets

Up

$48,706,338

Up $1,896,338 (+4.1%) from 2010

Net Assets

Up

$4,439,199

Up $528 (+0.0%) from 2010

Liabilities

Up

$44,267,139

Up $1,895,810 (+4.5%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$2,649,083

Down $159,261 (-5.7%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth55th percentile

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

$60M$40M$20M$0Assets 2010: $46,810,000Liabilities 2010: $42,371,329Net Assets 2010: $4,438,6712010Assets 2011: $48,706,338Liabilities 2011: $44,267,139Net Assets 2011: $4,439,1992011Assets 2012: $50,433,025Liabilities 2012: $45,829,507Net Assets 2012: $4,603,5182012Assets 2014: $46,555,834Liabilities 2014: $42,259,747Net Assets 2014: $4,296,0872014Assets 2015: $43,348,253Liabilities 2015: $39,619,382Net Assets 2015: $3,728,8712015Assets 2016: $43,531,892Liabilities 2016: $39,563,419Net Assets 2016: $3,968,4732016Assets 2017: $40,142,598Liabilities 2017: $36,060,470Net Assets 2017: $4,082,1282017Assets 2018: $38,621,990Liabilities 2018: $34,755,655Net Assets 2018: $3,866,3352018Assets 2019: $36,763,905Liabilities 2019: $33,387,726Net Assets 2019: $3,376,1792019Assets 2020: $38,541,333Liabilities 2020: $35,512,824Net Assets 2020: $3,028,5092020Assets 2021: $38,936,528Liabilities 2021: $35,921,319Net Assets 2021: $3,015,2092021Assets 2022: $37,818,210Liabilities 2022: $34,332,566Net Assets 2022: $3,485,6442022Assets 2023: $34,824,427Liabilities 2023: $31,513,831Net Assets 2023: $3,310,5962023Assets 2024: $33,932,146Liabilities 2024: $30,651,708Net Assets 2024: $3,280,4382024

Highlighted filing

2011

Assets$48,706,338
Liabilities$44,267,139
Net Assets$4,439,199
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,808,3442010Expenses 2011: $2,649,0832011Expenses 2012: $2,496,8692012Revenue 2014: $2,489,417Expenses 2014: $2,508,114Net Income 2014: -$18,6972014Revenue 2015: $2,310,194Expenses 2015: $2,875,217Net Income 2015: -$565,0232015Revenue 2016: $2,177,466Expenses 2016: $1,995,433Net Income 2016: $182,0332016Revenue 2017: $2,413,921Expenses 2017: $2,245,679Net Income 2017: $168,2422017Revenue 2018: $2,607,537Expenses 2018: $2,804,289Net Income 2018: -$196,7522018Revenue 2019: $2,734,307Expenses 2019: $3,285,506Net Income 2019: -$551,1992019Revenue 2020: $2,165,975Expenses 2020: $2,517,146Net Income 2020: -$351,1712020Revenue 2021: $1,978,354Expenses 2021: $1,983,851Net Income 2021: -$5,4972021Revenue 2022: $2,281,022Expenses 2022: $1,780,103Net Income 2022: $500,9192022Revenue 2023: $2,158,808Expenses 2023: $2,079,495Net Income 2023: $79,3132023Revenue 2024: $2,053,970Expenses 2024: $2,095,179Net Income 2024: -$41,2092024

Highlighted filing

2011

Revenue-
Expenses$2,649,083
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Jun 19, 2012
Return Version
2011v1.2
Gross Receipts
$2,720,097
Mission and Program Overview

Mission

To provide lending, savings, and other financial services to its qualifying members at terms generally better than available in the marketplace and with a service-based emphasis that recognizes the members' status as owners.

Major Activities

Activity 2
Direct labor and employee benefit costs incurred providing savings deposit services originating new loans and servicing the loan portfolio for members
Activity 3
Provision for loan loss expense for member loans
Filing and Contact Details

Filer

EIN
34-0835818
Raw XML AppendixShowing 400 of 513 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleL/LoanTable/OriginalPrincipalAmount1616130
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount172166
IRS990ScheduleL/LoanTable/PurposeOfLoan0PERSONAL LOAN
IRS990ScheduleL/LoanTable/PurposeOfLoan1VISA LOAN
IRS990ScheduleL/LoanTable/PurposeOfLoan2MORTGAGE LOAN
IRS990ScheduleL/LoanTable/PurposeOfLoan3PERSONAL LOAN
IRS990ScheduleL/LoanTable/PurposeOfLoan4VISA
IRS990ScheduleL/LoanTable/PurposeOfLoan5PERSONAL LOAN
IRS990ScheduleL/LoanTable/PurposeOfLoan6VISA
IRS990ScheduleL/LoanTable/PurposeOfLoan7VISA
IRS990ScheduleL/LoanTable/PurposeOfLoan8PERSONAL LOAN
IRS990ScheduleL/LoanTable/PurposeOfLoan9PERSONAL LOAN
IRS990ScheduleL/LoanTable/PurposeOfLoan10VISA
IRS990ScheduleL/LoanTable/PurposeOfLoan11MORTGAGE LOAN
IRS990ScheduleL/LoanTable/PurposeOfLoan12PERSONAL LOAN
IRS990ScheduleL/LoanTable/PurposeOfLoan13PERSONAL LOAN
IRS990ScheduleL/LoanTable/PurposeOfLoan14VISA
IRS990ScheduleL/LoanTable/PurposeOfLoan15PERSONAL LOAN
IRS990ScheduleL/LoanTable/PurposeOfLoan16PERSONAL LOAN
IRS990ScheduleL/LoanTable/PurposeOfLoan17VISA
IRS990ScheduleL/LoanTable/WrittenAgreement0true
IRS990ScheduleL/LoanTable/WrittenAgreement1true
IRS990ScheduleL/LoanTable/WrittenAgreement2true
IRS990ScheduleL/LoanTable/WrittenAgreement3true
IRS990ScheduleL/LoanTable/WrittenAgreement4true

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
$48,706,338
Liabilities
$44,267,139
Net assets
$4,439,199
Revenue
-
Expenses
$2,649,083
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$33.9$30.7$3.28$2.05$2.10$0.04
2023Detailed filing. Detailed filing data is available for this year.$34.8$31.5$3.31$2.16$2.08$0.08
2022Detailed filing. Detailed filing data is available for this year.$37.8$34.3$3.49$2.28$1.78$0.50
2021Detailed filing. Detailed filing data is available for this year.$38.9$35.9$3.02$1.98$1.98$0.01
2020Detailed filing. Detailed filing data is available for this year.$38.5$35.5$3.03$2.17$2.52$0.35
2019Detailed filing. Detailed filing data is available for this year.$36.8$33.4$3.38$2.73$3.29$0.55
2018Detailed filing. Detailed filing data is available for this year.$38.6$34.8$3.87$2.61$2.80$0.20
2017Detailed filing. Detailed filing data is available for this year.$40.1$36.1$4.08$2.41$2.25$0.17
2016Detailed filing. Detailed filing data is available for this year.$43.5$39.6$3.97$2.18$2.00$0.18
2015Detailed filing. Detailed filing data is available for this year.$43.3$39.6$3.73$2.31$2.88$0.57
2014Detailed filing. Detailed filing data is available for this year.$46.6$42.3$4.30$2.49$2.51$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.4$45.8$4.60$2.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.7$44.3$4.44$2.65
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.8$42.4$4.44$2.81