Civic Intelligence

Pinnacle Credit Union

EIN 35-0870266 • 501(c)14 • Fort Wayne, IN

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Profile

State chartered credit union

4025 W Jefferson BlvdFort Wayne, IN 46804

www.pinnacle-cu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2014

Liabilities / Revenue

96th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2014

Net Margin

91st percentile

9.9%

Higher net margin than 91% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2014

Top Officer Pay

58th percentile

$34,000

Higher top officer pay than 58% of similar nonprofits.

Top officer pay equals 7.2% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2014

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2013 to 2014

Revenue Growth

41st percentile

-57%

Faster revenue growth than 41% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $25,378,381 (-100%) from 2013

Liabilities

Down

$0

Down $23,477,489 (-100%) from 2013

Net Assets

Down

$0

Down $1,900,892 (-100%) from 2013

Operations
Liabilities / Revenue96th percentileNet Margin91st percentile

Revenue

Down

$470,447

Down $629,842 (-57%) from 2013

Expenses

Down

$424,018

Down $921,422 (-68%) from 2013

Net Income

Up

$46,429

Up $291,580 (+119%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $26,341,119Liabilities 2010: $91,515Net Assets 2010: $26,249,6042010Assets 2011: $26,089,447Liabilities 2011: $24,024,398Net Assets 2011: $2,065,0492011Assets 2012: $26,301,253Liabilities 2012: $24,155,298Net Assets 2012: $2,145,9552012Assets 2013: $25,378,381Liabilities 2013: $23,477,489Net Assets 2013: $1,900,8922013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2014

Assets$0
Liabilities$0
Net Assets$0
Open 2014 Filing

Operations Trend

Revenue Growth41st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,851,3312010Expenses 2011: $1,343,0572011Expenses 2012: $1,157,6652012Revenue 2013: $1,100,289Expenses 2013: $1,345,440Net Income 2013: -$245,1512013Revenue 2014: $470,447Expenses 2014: $424,018Net Income 2014: $46,4292014

Highlighted filing

2014

Revenue$470,447
Expenses$424,018
Net Income$46,429
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$470,447
Expenses
$424,018
Net income
$46,429
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.47$0.42$0.05
2013Detailed filing. Detailed filing data is available for this year.$25.4$23.5$1.90$1.10$1.35$0.25
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.3$24.2$2.15$1.16
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.1$24.0$2.07$1.34
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.3$0.09$26.2$1.85
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jun 11, 2015
Return Version
2014v5.0
Gross Receipts
$470,447
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$14,779,615$0▼ $14,779,615
Other Notes and Loans Receivable, Net$9,419,355$0▼ $9,419,355
Rtn Earn Endowment Incm Other Fnds$1,900,892$0▼ $1,900,892
Land, Buildings, and Equipment, Net$410,670$0▼ $410,670
Cash and Non-Interest-Bearing Accounts$214,079$0▼ $214,079
Receivables From Officers Etc$199,193$0▼ $199,193
Savings and Temporary Cash Investments$63,373$0▼ $63,373
Accounts Receivable$64$0▼ $64
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$25,378,381$0▼ $25,378,381
Other Assets Total$292,032$0▼ $292,032
Liabilities
Other Liabilities$23,472,378$0▼ $23,472,378
Accounts Payable and Accrued Expenses$5,111$0▼ $5,111
Total Liabilities$23,477,489$0▼ $23,477,489
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,900,892$0▼ $1,900,892
Total Liabilities and Net Assets / Fund Balance$25,378,381$0▼ $25,378,381
Compensation and Service Providers
Top Officer Pay58th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Lisa WilliamsPresidentFT$34,000$34,000

Board Members and Trustees

NameTitle
Layk ThomasChair
Joe HendersonVice Chair
Frederick MinerDirector
George MuellerDirector
Jeff JacobsDirector
Scott SandersonDirector
Stanley TumblesonDirector
John FurgeSecretary
Jerry HuffmanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$400,492
Investment Income
$69,955
Other Revenue
$0
Change in Net Assets
$46,429
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$240,828
Salaries, Compensation, and Employee Benefits$183,190
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$138,163
Fees for Services Other---$79,956
Office Expenses---$35,003
Occupancy---$32,740
Other Employee Benefits---$32,668
Interest---$17,988
Depreciation Depletion---$14,569
Payroll Taxes---$12,359
Insurance---$10,815
Advertising---$6,649
Conferences and Meetings---$2,938
Other Expenses---$2,508
All Other Expenses---$-22,663
Total Functional Expenses$0$0$0$424,018
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$199,193$0▼ $199,193
Receivables from Disqualified Persons-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Individuals and their family members who qualify based on credit union established boundries are eligible for membership.”

Form 990, Part VI, Section A, Line 7A

“Credit union members elect board of directors at the annual meeting.”

Form 990, Part VI, Section B, Line 11

“A completed form 990 is reviewed by the ceo prior to submitting to the internal revenue service.”

Form 990, Part VI, Section B, Line 15

“The state trade association compensation survey is utilized.”

Form 990, Part VI, Section C, Line 18

“The association makes organizing documents and recent form 990 available upon written request.”

Form 990, Part VI, Section C, Line 19

“The association makes organizing documents and recent form 990 available upon written request.”

Filing and Contact Details

Filer

Filer Name
Pinnacle Credit Union
EIN
35-0870266
Phone
2604323433
Address
4025 W JEFFERSON BLVD, FORT WAYNE, IN 46804

Signing Officer

Name
Carolyn Mikesell
Title
Agent
Phone
2604323433
Signed
2015-06-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Carolyn Mikesell
Formed
1925
Legal Domicile
In
Voting Board Members
9
Independent Board Members
9
Employees
9
Volunteers
0

Preparer

Firm
Whitinger & Company LLC
Address
1100 W WHITE RIVER BLVD, MUNCIE, IN 47303-3776
Preparer
Terry D Brumley CPA
Phone
7652843384
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“OTHER 79,956.”

FORM 990, PART XI, LINE 9:

“Merger of assets with public service credit union -1,947,321.”

Raw XML AppendixShowing 400 of 409 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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IRS990ScheduleN/DispositionOfAssetsDetail/FairMarketValueOfAssetAmt025562557
IRS990ScheduleN/DispositionOfAssetsDetail/IRCSectionTxt0STATE CHARTERED CREDIT UNION
IRS990ScheduleN/DispositionOfAssetsDetail/MethodOfFMVDeterminationTxt0FAIR MARKET VALUE OF ASSETS DETERMINED USING THE NET PRESENT VALUE OF LOANS, INVESTMENTS, AND SHARES BASED ON CURRENT LENDING, INVESTMENT, AND DEPOSIT RATES. REAL ESTATE PROPERTY WAS APPRAISED.
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/AddressLine1Txt04025 W JEFFERSON BLVD
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/CityNm0FORT WAYNE
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/StateAbbreviationCd0IN
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/ZIPCd046804
IRS990ScheduleN/EmployeeOfSuccessor2Ind01
IRS990ScheduleN/OwnerOfSuccessor2Ind00
IRS990ScheduleN/ReceiveCompensation2Ind00
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0PERSON(S) INVOLVED: LAYK THOMAS & JOSEPH HENDERSON WERE APPOINTED AS BOARD OF DIRECTOR VOLUNTEERS OF THE SUCCESSOR ORGANIZATION AND CEO LISA WILLIAMS WAS HIRED AS AN EMPLOYEE OF THE SUCCESSOR ORGANIZATION.
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt1EXPLANATION OF INVOLVEMENT: THOMAS & HENDERSON ARE APPOINTED DIRECTORS AND CONTRIBUTE TO THE GOVERANCE OF PUBLIC SERVICE CREDIT UNION (SUCCESSOR). WILLIAMS PERFORMS NORMAL EMPLOYEE RESPONSIBILITIES.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0PART II, LINE 2E:
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc1PART II, LINE 2E:
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0INDIVIDUALS AND THEIR FAMILY MEMBERS WHO QUALIFY BASED ON CREDIT UNION ESTABLISHED BOUNDRIES ARE ELIGIBLE FOR MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION MEMBERS ELECT BOARD OF DIRECTORS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COMPLETED FORM 990 IS REVIEWED BY THE CEO PRIOR TO SUBMITTING TO THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE STATE TRADE ASSOCIATION COMPENSATION SURVEY IS UTILIZED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ASSOCIATION MAKES ORGANIZING DOCUMENTS AND RECENT FORM 990 AVAILABLE UPON WRITTEN REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ASSOCIATION MAKES ORGANIZING DOCUMENTS AND RECENT FORM 990 AVAILABLE UPON WRITTEN REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OTHER 79,956.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MERGER OF ASSETS WITH PUBLIC SERVICE CREDIT UNION -1,947,321.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0CREDIT UNION CENTERS OF INDIANA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0352107899
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0IN
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0SHARED BRANCHING
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt05975 CASTLE CREEK PKWY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0INDIANAPOLIS
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0IN
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd046250
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd00
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0IN
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt025378381
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt025378381
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/TotalAmt0424018
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt023477489
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt023477489
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01900892
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0424018
IRS990/TotalProgramServiceRevenueAmt0400492
IRS990/TotalReportableCompFromOrgAmt034000
IRS990/TotalRevenueGrp/ExclusionAmt069955
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0400492
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0470447
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt025378381
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04025 W JEFFERSON BLVD
IRS990/USAddress/CityNm0FORT WAYNE
IRS990/USAddress/StateAbbreviationCd0IN
IRS990/USAddress/ZIPCd046804
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CAROLYN MIKESELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0AGENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02604323433
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-06-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PINNACLE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PINN
ReturnHeader/Filer/EIN0350870266
ReturnHeader/Filer/PhoneNum02604323433
ReturnHeader/Filer/USAddress/AddressLine1Txt04025 W JEFFERSON BLVD
ReturnHeader/Filer/USAddress/CityNm0FORT WAYNE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IN
ReturnHeader/Filer/USAddress/ZIPCd046804
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0350905017
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WHITINGER & COMPANY LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01100 W WHITE RIVER BLVD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MUNCIE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IN

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