Civic Intelligence

Centra Credit Union

990 • Fiscal year 2013 • EIN 35-0885381

Jan 01, 2013 to Dec 31, 2013 • Filed on May 15, 2014

Organization Profilewww.centra.org

View Organization Page

1430 National RoadSuite47202

(812) 376-9771

Siviq Scores

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

Liabilities / Assets

36th percentile

0.89x

Higher debt load relative to assets than 36% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Liabilities / Revenue

68th percentile

21.01x

Higher debt load relative to revenue than 68% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Net Margin

48th percentile

19%

Higher net margin than 48% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Top Officer Pay

3rd percentile

$286,452

Higher top officer pay than 3% of similar nonprofits.

Top officer pay equals 0.6% of source-year revenue.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Asset Growth

49th percentile

4.9%

Faster asset growth than 49% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets36th percentile

Assets

Up

$1,186,613,715

Up $55,948,471 (+4.9%) from 2012

Net Assets

Up

$129,556,806

Up $8,168,986 (+6.7%) from 2012

Liabilities

Up

$1,057,056,909

Up $47,779,485 (+4.7%) from 2012

Revenue And Expenses
Liabilities / Revenue68th percentileNet Margin48th percentile

Revenue

$50,321,926

No earlier filing loaded for comparison.

Expenses

Up

$41,008,546

Up $286,340 (+0.7%) from 2012

Net Income

$9,313,380

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth49th percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $902,312,407Liabilities 2010: $798,840,964Net Assets 2010: $103,471,4432010Assets 2011: $985,938,738Liabilities 2011: $874,353,775Net Assets 2011: $111,584,9632011Assets 2012: $1,130,665,244Liabilities 2012: $1,009,277,424Net Assets 2012: $121,387,8202012Assets 2013: $1,186,613,715Liabilities 2013: $1,057,056,909Net Assets 2013: $129,556,8062013Assets 2014: $1,229,884,586Liabilities 2014: $1,088,594,405Net Assets 2014: $141,290,1812014Assets 2015: $1,294,289,768Liabilities 2015: $1,141,090,540Net Assets 2015: $153,199,2282015Assets 2016: $1,363,239,262Liabilities 2016: $1,197,701,405Net Assets 2016: $165,537,8572016Assets 2017: $1,416,347,417Liabilities 2017: $1,237,275,190Net Assets 2017: $179,072,2272017Assets 2018: $1,468,696,851Liabilities 2018: $1,277,521,035Net Assets 2018: $191,175,8162018Assets 2019: $1,559,069,587Liabilities 2019: $1,350,493,207Net Assets 2019: $208,576,3802019Assets 2020: $1,826,992,749Liabilities 2020: $1,604,076,640Net Assets 2020: $222,916,1092020Assets 2021: $1,964,165,275Liabilities 2021: $1,730,164,457Net Assets 2021: $234,000,8182021Assets 2022: $2,045,720,209Liabilities 2022: $1,829,709,487Net Assets 2022: $216,010,7222022Assets 2023: $2,076,967,433Liabilities 2023: $1,856,835,053Net Assets 2023: $220,132,3802023Assets 2024: $2,126,245,937Liabilities 2024: $1,897,484,606Net Assets 2024: $228,761,3312024

Highlighted filing

2013

Assets$1,186,613,715
Liabilities$1,057,056,909
Net Assets$129,556,806
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150M$100M$50M$0Expenses 2010: $43,188,9522010Expenses 2011: $42,089,2782011Expenses 2012: $40,722,2062012Revenue 2013: $50,321,926Expenses 2013: $41,008,546Net Income 2013: $9,313,3802013Revenue 2014: $52,249,975Expenses 2014: $40,390,724Net Income 2014: $11,859,2512014Revenue 2015: $54,706,589Expenses 2015: $42,243,234Net Income 2015: $12,463,3552015Revenue 2016: $59,198,367Expenses 2016: $45,500,708Net Income 2016: $13,697,6592016Revenue 2017: $66,529,642Expenses 2017: $52,088,102Net Income 2017: $14,441,5402017Revenue 2018: $74,544,080Expenses 2018: $61,000,493Net Income 2018: $13,543,5872018Revenue 2019: $83,495,107Expenses 2019: $69,904,720Net Income 2019: $13,590,3872019Revenue 2020: $83,289,744Expenses 2020: $71,494,799Net Income 2020: $11,794,9452020Revenue 2021: $88,438,069Expenses 2021: $71,466,269Net Income 2021: $16,971,8002021Revenue 2022: $98,960,156Expenses 2022: $84,117,171Net Income 2022: $14,842,9852022Revenue 2023: $125,422,457Expenses 2023: $116,244,125Net Income 2023: $9,178,3322023Revenue 2024: $144,540,713Expenses 2024: $135,991,974Net Income 2024: $8,548,7392024

Highlighted filing

2013

Revenue$50,321,926
Expenses$41,008,546
Net Income$9,313,380
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 15, 2014
Return Version
2013v3.1
Gross Receipts
$87,819,975
Mission and Program Overview

Mission

State charted and federally insured credit union which grants consumer loans including credit cards, lease financing and open-end credit, mortgage loans and business loans to its members.

State chartered and federally insured credit union which grants consumer loans including credit cards, mortgage loans, and business loans to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$587,697,186$643,502,287▲ $55,805,101
Investments Other Securities$297,868,835$350,445,101▲ $52,576,266
Savings and Temporary Cash Investments$194,725,752$140,840,054▼ $53,885,698
Rtn Earn Endowment Incm Other Fnds$121,387,820$129,556,806▲ $8,168,986
Land, Buildings, and Equipment, Net$15,119,818$16,455,743▲ $1,335,925
Cash and Non-Interest-Bearing Accounts$11,643,751$13,240,024▲ $1,596,273
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$1,130,665,244$1,186,613,715▲ $55,948,471
Other Assets Total$23,609,902$22,130,506▼ $1,479,396
Liabilities
Other Liabilities$1,009,277,424$1,057,056,909▲ $47,779,485
Accounts Payable and Accrued Expenses$0$0→ $0
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$1,009,277,424$1,057,056,909▲ $47,779,485
Net Assets / Fund Balance
Total Net Assets Fund Balance$121,387,820$129,556,806▲ $8,168,986
Total Liabilities and Net Assets / Fund Balance$1,130,665,244$1,186,613,715▲ $55,948,471

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,223,281$6,960,327$15,183,608
Equipment$3,357,779$8,612,571$11,970,350
Land$3,985,633-$3,985,633
Leasehold Improvements$565,755$906,261$1,472,016
Other Land Buildings$323,295-$323,295
Other Securities$95,348,414--
Compensation and Service Providers
Top Officer Pay3rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Douglas HarrisPresidentFT$192,624$93,828$286,452
Patricia KnorrChief Operating OfficerFT$136,749$55,166$191,915
Chirstopher BottorfSo Ind Market PresidentFT$134,492$51,857$186,349
Brad DavisChief Sales/mkt OfficerFT$129,046$33,263$162,309
Paul AdrianChief Systems OfficerFT$123,184$33,759$156,943
Brett VanderKolkChief Financial OfficerFT$129,468-$129,468
Loretta BurdBoard Member-$86,027-$86,027
Jim JohnsonSecretary-$7,292$26,598$33,890
Dan ArnholtBoard Member-$1,800$25,833$27,633
Alan DegnerChairman-$7,294$20,237$27,531
Mary StrohBoard Member-$5,491$16,435$21,926
Tom KiefferVice Chairman-$7,256$13,629$20,885
Amber FishvogtBoard Member-$7,200$11,529$18,729
Brian McbroonTreasurer-$7,290-$7,290

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservOutside Services-$973,688
Harland ClarkeOutside Services-$359,923
Sci Enterprises LLCOutside Services-$344,540
Technical Maintenance ServicesOutside Services-$333,284
DieboldOutside Services-$311,061
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$48,043,621
Investment Income
$874,016
Other Revenue
$1,404,289
Change in Net Assets
$9,313,380

Audited Revenue Reconciliation

Revenue per Audited Statements
$38,023,609
Revenue Not Reported on Financial Statements
$12,298,317
Revenue Not Reported on Form 990
$58,378
Other Revenue Adjustments
$12,298,317
Total Revenue per Audited Statements
$38,081,987
Total Revenue per Form 990
$50,321,926
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$29,012,194
Salaries, Compensation, and Employee Benefits$11,996,352
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$9,488,913
Other Salaries and Wages---$8,017,738
Occupancy---$3,624,848
Other Expenses---$2,454,629
Other Employee Benefits---$1,729,040
All Other Expenses---$1,451,933
Depreciation Depletion---$1,367,964
Office Expenses---$1,333,887
Current Officers, Directors, Trustees, and Key Employees---$1,259,521
Insurance---$1,068,502
Information Technology---$977,816
Advertising---$867,823
Payroll Taxes---$812,631
Travel---$348,963
Pension Plan Contributions---$177,422
Fees for Services Accounting---$168,184
Conferences and Meetings---$50,844
Fees for Services Legal---$40,650
Total Functional Expenses$0$0$0$41,008,546

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$41,008,546
Total Expenses per Audited Statements$28,768,607
Expenses per Audited Statements$28,710,229
Expenses Not Reported on Financial Statements$12,298,317
Other Expense Adjustments$12,298,317
Expenses Not Reported on Form 990$58,378
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' DEPOSITS$1,011,994,507
Fhlb Advances$41,000,000
Other Liabilities$4,062,402
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

EIN
35-0885381
In Care Of
% ALVIN G LECHER
Phone
8123769771

Signing Officer

Name
Douglas B Harris
Title
President
Phone
8123769771
Signed
2014-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Douglas B Harris
Formed
1997
Legal Domicile
In
Voting Board Members
8
Independent Board Members
7
Employees
329
Volunteers
9

Preparer

Phone
3173834000
Supplemental Narrative

Additional Explanations

Members or Stockholders

“Every member of the credit union having purchased one or more shares of stock is a shareholder.”

Election of Members of the Governing Body

“Eligible members receive one vote to elect by majority the directors of the credit union.”

Review of Form 990

“The form 990 is reviewed by the president or vice president of financial operations prior to filing the return. The form 990 is also reviewed by an independent accounting firm.”

Conflict of Interest Policy

“Conflict of interest policies are signed annually by each board member and officer of the organization and reviewed. If a board member has a conflict they recuse themselves from discussions and voting in that area.”

Review of Compensation

“Pay increases to top management are approved as part of the annual review process which is approved by the board of directors.”

Availability of Financial Statements and Governing Documents

“Governing documents and financial statements are available to the public upon request.”

Officer Compensation

“Loretta burd received additional compensation for services performed in the prior year as chief executive officer.”

Financial Statement Notes

Part X, Line 2

“Management has evaluated their income tax positions under the guidance included in asc 740. Based on their review, management has not identified any material uncertain tax positions to be recorded or disclosed in the financial statements.”

Part XI & XII, Line 2D

“Loss on other assets $ 58,378”

Part XI & XII, Line 4B

“Interest expense $ 9,483,317 loan losses 2,815,000 total adjustment $ 12,298,317”

Raw XML AppendixShowing 400 of 581 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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IRS990/Form990PartVIISectionAGrp/PersonNm7Mary Stroh
IRS990/Form990PartVIISectionAGrp/PersonNm8Douglas Harris
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Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,186,613,715
Liabilities
$1,057,056,909
Net assets
$129,556,806
Revenue
$50,321,926
Expenses
$41,008,546
Net income
$9,313,380
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2,126$1,897$229$145$136$8.55
2023Detailed filing. Detailed filing data is available for this year.$2,077$1,857$220$125$116$9.18
2022Detailed filing. Detailed filing data is available for this year.$2,046$1,830$216$99.0$84.1$14.8
2021Detailed filing. Detailed filing data is available for this year.$1,964$1,730$234$88.4$71.5$17.0
2020Detailed filing. Detailed filing data is available for this year.$1,827$1,604$223$83.3$71.5$11.8
2019Detailed filing. Detailed filing data is available for this year.$1,559$1,350$209$83.5$69.9$13.6
2018Detailed filing. Detailed filing data is available for this year.$1,469$1,278$191$74.5$61.0$13.5
2017Detailed filing. Detailed filing data is available for this year.$1,416$1,237$179$66.5$52.1$14.4
2016Detailed filing. Detailed filing data is available for this year.$1,363$1,198$166$59.2$45.5$13.7
2015Detailed filing. Detailed filing data is available for this year.$1,294$1,141$153$54.7$42.2$12.5
2014Detailed filing. Detailed filing data is available for this year.$1,230$1,089$141$52.2$40.4$11.9
2013Detailed filing. Detailed filing data is available for this year.$1,187$1,057$130$50.3$41.0$9.31
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,131$1,009$121$40.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$986$874$112$42.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$902$799$103$43.2
Peer Organizations

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