Civic Intelligence

Centra Credit Union

990 • Fiscal year 2016 • EIN 35-0885381

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 15, 2017

Organization ProfileWWW.CENTRA.ORG

View Organization Page

3801 Tupelo Drive PO Box 789Columbus, IN 47202

(812) 376-9771

Siviq Scores

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

Liabilities / Assets

18th percentile

0.88x

Higher debt load relative to assets than 18% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

56th percentile

20.23x

Higher debt load relative to revenue than 56% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

74th percentile

23%

Higher net margin than 74% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

1st percentile

$304,208

Higher top officer pay than 1% of similar nonprofits.

Top officer pay equals 0.5% of source-year revenue.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

17th percentile

5.3%

Faster asset growth than 17% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

36th percentile

8.2%

Faster revenue growth than 36% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets18th percentile

Assets

Up

$1,363,239,262

Up $68,949,494 (+5.3%) from 2015

Net Assets

Up

$165,537,857

Up $12,338,629 (+8.1%) from 2015

Liabilities

Up

$1,197,701,405

Up $56,610,865 (+5.0%) from 2015

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin74th percentile

Revenue

Up

$59,198,367

Up $4,491,778 (+8.2%) from 2015

Expenses

Up

$45,500,708

Up $3,257,474 (+7.7%) from 2015

Net Income

Up

$13,697,659

Up $1,234,304 (+9.9%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth17th 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

2016

Assets$1,363,239,262
Liabilities$1,197,701,405
Net Assets$165,537,857
Open 2016 Filing

Operations Trend

Revenue Growth36th percentile

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

2016

Revenue$59,198,367
Expenses$45,500,708
Net Income$13,697,659
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 15, 2017
Return Version
2016v3.1
Gross Receipts
$59,198,367
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$813,577,528$918,226,701▲ $104,649,173
Investments Other Securities$248,583,180$260,998,703▲ $12,415,523
Rtn Earn Endowment Incm Other Fnds$153,199,228$165,537,857▲ $12,338,629
Savings and Temporary Cash Investments$180,320,635$124,444,807▼ $55,875,828
Land, Buildings, and Equipment, Net$15,992,683$16,081,251▲ $88,568
Cash and Non-Interest-Bearing Accounts$16,810,663$14,377,725▼ $2,432,938
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$1,294,289,768$1,363,239,262▲ $68,949,494
Other Assets Total$19,005,079$29,110,075▲ $10,104,996
Liabilities
Other Liabilities$1,139,838,677$1,196,173,589▲ $56,334,912
Escrow Account Liability$1,251,863$1,527,816▲ $275,953
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
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$1,141,090,540$1,197,701,405▲ $56,610,865
Net Assets / Fund Balance
Total Net Assets Fund Balance$153,199,228$165,537,857▲ $12,338,629
Total Liabilities and Net Assets / Fund Balance$1,294,289,768$1,363,239,262▲ $68,949,494

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,285,201$7,449,119$14,734,320
Equipment$3,509,864$6,214,082$9,723,946
Land$3,904,281-$3,904,281
Leasehold Improvements$839,530$1,162,633$2,002,163
Other Land Buildings$542,375-$542,375
Other Securities$54,544,220--
Compensation and Service Providers
Top Officer Pay1st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christopher BottorffSouth Region President & CSOFT$216,028$88,180$304,208
Patricia KnorrChief Experience OfficerFT$185,884$68,754$254,638
Brad DavisChief Credit OfficerFT$186,683$57,067$243,750
David MannCFO (1/19 - 12/31)FT$182,392$29,191$211,583
Paul AdrianChief Information OfficerFT$163,561$44,534$208,095
Rick SilversCEO (6/1 - 12/31)FT$173,879$24,117$197,996
James DineenChief Risk OfficerFT$128,143$29,414$157,557
Alvin LecherVP AccountingFT$116,451$18,717$135,168
Karl KissingerSVP Business ServicesFT$107,905$21,897$129,802
John FinneyVP Retail Sales & ServicesFT$110,034$10,488$120,522
Melissa JewellSVP Human ResourcesFT$101,285$10,359$111,644
Brian McbroonBoard Member-$14,100-$14,100
Loretta BurdChair Person-$12,166-$12,166
Alan DegnerBoard Member-$10,178-$10,178
Amber FischvogtBoard Member-$10,173-$10,173
Mary StrohVice Chair Person-$8,686-$8,686
Kesavan VenugopalBoard Member-$8,675-$8,675
Jim BickelSecretary/treasurer-$8,671-$8,671
Donald JacksonBoard Member-$8,520-$8,520
Randy ProffittBoard Member (4/18 - 12/31)-$6,543-$6,543
Jim JohnsonBoard Member (1/1 - 4/18)-$2,130-$2,130
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$55,106,507
Investment Income
$1,637,306
Other Revenue
$2,454,554
Change in Net Assets
$13,697,659

Audited Revenue Reconciliation

Revenue per Audited Statements
$47,661,989
Revenue Not Reported on Financial Statements
$11,536,378
Other Revenue Adjustments
$11,536,378
Total Revenue per Audited Statements
$47,661,989
Total Revenue per Form 990
$59,198,367
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$30,726,093
Salaries, Compensation, and Employee Benefits$14,774,615
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,888,199
Interest---$8,300,651
Occupancy---$3,954,978
Other Employee Benefits---$2,076,580
Depreciation Depletion---$1,852,870
All Other Expenses---$1,786,732
Current Officers, Directors, Trustees, and Key Employees---$1,667,669
Office Expenses---$1,475,380
Advertising---$1,195,715
Information Technology---$1,133,423
Other Expenses---$1,041,423
Payroll Taxes---$931,142
Travel---$307,132
Fees for Services Accounting---$290,355
Insurance---$254,159
Pension Plan Contributions---$211,025
Conferences and Meetings---$114,192
Fees for Services Legal---$41,985
Total Functional Expenses$0$0$0$45,500,708

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$45,500,708
Expenses per Audited Statements$33,964,330
Total Expenses per Audited Statements$33,964,330
Expenses Not Reported on Financial Statements$11,536,378
Other Expense Adjustments$11,536,378
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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$1,153,868,220
Fhlb Advances$34,000,000
Other Liabilities$8,305,369
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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Members or stockholders: every member of the credit union having purchased one or more shares of stock is a shareholder.”

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

“Election of members of the governing body: eligible members receive one vote to elect by majority the directors of the credit union.”

Form 990, Part VI, Section B, Line 11B

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

Form 990, Part VI, Section B, Line 12C

“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.”

Form 990, Part VI, Section B, Line 15A

“Review of compensation: pay increases to top management are approved as part of the annual review process which is approved by the board compensation committee.”

Form 990, Part VI, Section C, Line 19

“Availability of financial statements and governing documents: governing documents and financial statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Centra Credit Union
EIN
35-0885381
In Care Of
% ALVIN G LECHER
Phone
8123769771
Address
3801 TUPELO DRIVE PO BOX 789, COLUMBUS, IN 47202

Signing Officer

Name
David Mann
Title
CFO
Phone
8123769771
Signed
2017-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rick Silvers
Formed
1997
Legal Domicile
In
Voting Board Members
9
Independent Board Members
5
Employees
407
Volunteers
13

Preparer

Firm
Bkd Llp
Address
201 N Illinois Street, Indianapolis, IN 46204
Preparer
Michael J Summers
Phone
3173834000
Supplemental Narrative

Financial Statement Notes

Part IV, Line 2

“Escrow account: centra credit union acts as a third party trustee that receives and disburses funds to pay obligations of account holders.”

Part X, Line 2

“Fin 48 disclosure: 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 4B

“Other adjustments: gain on other assets $ 605,729 interest expense 8,288,509 loan losses 2,642,140 total adjustment $ 11,536,378”

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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/TitleTxt4BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF EXPERIENCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13SOUTH REGION PRESIDENT & CSO
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF CREDIT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF RISK OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP BUSINESS SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP RETAIL SALES & SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP HUMAN RESOURCES
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IRS990/MembersOrStockholdersInd0true
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IRS990/ProgramServiceRevenueGrp/Desc1SERVICE & MEMBER FEES
IRS990/ProgramServiceRevenueGrp/Desc2INT-INVEST SECURITIES
IRS990/ProgramServiceRevenueGrp/Desc3CREDIT CARD INCOME
IRS990/ProgramServiceRevenueGrp/Desc4INT BEARING DEPOSITS
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt24557140
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt37072681
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4386605
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt111510188
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt24557140
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt37072681
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4386605
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0329821

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,363,239,262
Liabilities
$1,197,701,405
Net assets
$165,537,857
Revenue
$59,198,367
Expenses
$45,500,708
Net income
$13,697,659
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