Civic Intelligence

Department of Financial Institution Division of Credit Unions in Ind

990 • Fiscal year 2013 • EIN 35-1071275

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 14, 2014

Organization ProfileWWW.GENCU.ORG

View Organization Page

6601 Mutual Drive46825

(260) 471-5544

Siviq Scores

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

Liabilities / Assets

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

72nd percentile

21.20x

Higher debt load relative to revenue than 72% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

14th percentile

0.5%

Higher net margin than 14% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

45th percentile

$123,036

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 3.7% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

13th percentile

-2.6%

Faster asset growth than 13% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M 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 / Assets79th percentile

Assets

Down

$77,435,904

Down $2,596,132 (-3.2%) from 2011

Net Assets

Down

$6,632,466

Down $79,642 (-1.2%) from 2011

Liabilities

Down

$70,803,438

Down $2,516,490 (-3.4%) from 2011

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin14th percentile

Revenue

$3,340,539

No earlier filing loaded for comparison.

Expenses

Down

$3,325,487

Down $957,457 (-22%) from 2011

Net Income

$15,052

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth13th percentile

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

$100M$50M$0Assets 2010: $79,607,809Liabilities 2010: $72,697,053Net Assets 2010: $6,910,7562010Assets 2011: $80,032,036Liabilities 2011: $73,319,928Net Assets 2011: $6,712,1082011Assets 2013: $77,435,904Liabilities 2013: $70,803,438Net Assets 2013: $6,632,4662013Assets 2014: $78,290,502Liabilities 2014: $71,155,388Net Assets 2014: $7,135,1142014Assets 2015: $80,083,057Liabilities 2015: $72,568,299Net Assets 2015: $7,514,7582015Assets 2016: $82,426,671Liabilities 2016: $74,556,092Net Assets 2016: $7,870,5792016Assets 2017: $0Liabilities 2017: $0Net Assets 2017: $02017

Highlighted filing

2013

Assets$77,435,904
Liabilities$70,803,438
Net Assets$6,632,466
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $3,712,1182010Expenses 2011: $4,282,9442011Revenue 2013: $3,340,539Expenses 2013: $3,325,487Net Income 2013: $15,0522013Revenue 2014: $3,347,367Expenses 2014: $2,954,752Net Income 2014: $392,6152014Revenue 2015: $3,299,163Expenses 2015: $2,851,650Net Income 2015: $447,5132015Revenue 2016: $3,336,021Expenses 2016: $2,902,615Net Income 2016: $433,4062016Revenue 2017: $2,656,700Expenses 2017: $2,693,103Net Income 2017: -$36,4032017

Highlighted filing

2013

Revenue$3,340,539
Expenses$3,325,487
Net Income$15,052
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 14, 2014
Return Version
2013v3.1
Gross Receipts
$3,340,539
Mission and Program Overview

Mission

State chartered credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$43,555,802$43,092,994▼ $462,808
Investments Program Related$29,412,492$28,442,672▼ $969,820
Rtn Earn Endowment Incm Other Fnds$6,904,716$6,632,466▼ $272,250
Land, Buildings, and Equipment, Net$2,126,928$1,990,850▼ $136,078
Savings and Temporary Cash Investments$798,633$1,192,712▲ $394,079
Cash and Non-Interest-Bearing Accounts$834,975$867,302▲ $32,327
Prepaid Expenses and Deferred Charges$90,453$145,104▲ $54,651
Total Assets$79,499,493$77,435,904▼ $2,063,589
Other Assets Total$2,680,210$1,704,270▼ $975,940
Liabilities
Other Liabilities$72,420,536$70,625,068▼ $1,795,468
Accounts Payable and Accrued Expenses$174,241$178,370▲ $4,129
Total Liabilities$72,594,777$70,803,438▼ $1,791,339
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,904,716$6,632,466▼ $272,250
Total Liabilities and Net Assets / Fund Balance$79,499,493$77,435,904▼ $2,063,589

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,302,565$651,362$1,953,927
Land$518,359-$518,359
Equipment$144,704$153,772$298,476
Other Land Buildings$25,222$76,402$101,624
Investment Program Related Org$7,031--
Compensation and Service Providers
Top Officer Pay45th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Laura CurryCEOFT$119,080$3,956$123,036
David KaiserCFOFT$89,462$3,195$92,657
Kathy KnightVP of Bus. DFT$65,100$3,936$69,036

Board Members and Trustees

NameTitle
Tim HaberBoard Chairm
Pat BrewerVice Chairma
Bob MaughmerDirector
Jodi MongoldDirector
Theresa HanelineDirector
Glenda LudlowSecretary
Becky MooreTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,247,654
Investment Income
$358,263
Other Revenue
$734,622
Change in Net Assets
$15,052
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,921,213
Salaries, Compensation, and Employee Benefits$1,404,274
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$926,391
Fees for Services Management---$426,771
Office Expenses---$280,334
Current Officers, Directors, Trustees, and Key Employees---$273,642
Occupancy---$191,572
Depreciation Depletion---$138,360
Other Employee Benefits---$117,945
Insurance---$102,817
All Other Expenses---$101,844
Advertising---$95,602
Other Expenses---$89,372
Payroll Taxes---$86,296
Fees for Service Investment Mgmnt Fees---$25,594
Fees for Services Accounting---$17,000
Fees for Services Legal---$11,125
Travel---$5,107
Total Functional Expenses$0$0$0$3,325,487
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$70,625,068
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
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, Page 6, Part VI, Line 6

“Member owned state chartered credit union.”

Form 990, Page 6, Part VI, Line 7A

“Board members are elected by the membership on an annual basis.”

Form 990, Page 6, Part VI, Line 11B

“Copy of 990 is reviewed by ceo before filing.”

Form 990, Page 6, Part VI, Line 15A

“The ceo's compensation is determined by the executive committee of the board. Compensation is based on prior year financial performance, comparatives, and organizational and personal goals set with the board.”

Form 990, Page 6, Part VI, Line 15B

“Key employee compensation is determined by the ceo and is based on prior year performance, comparatives, and established organizational and personal goals.”

Form 990, Page 6, Part VI, Line 19

“UPON REQUEST.”

Filing and Contact Details

Filer

EIN
35-1071275
Phone
2604715544

Signing Officer

Name
David Kaiser
Title
Chief Financial Officer
Phone
2604715544
Signed
2014-03-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Kaiser
Formed
1998
Legal Domicile
In
Voting Board Members
7
Independent Board Members
7
Employees
35
Volunteers
10

Preparer

Preparer
Michael G Whisler CPA
Phone
7652897951
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Loan and deposit services to approximately 8,872 members.”

Raw XML Appendix367 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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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt076402
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0101624
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt070625068
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01990850
IRS990ScheduleD/TotalBookValueProgramRltdAmt028442672
IRS990ScheduleD/TotalLiabilityAmt070625068
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0LOAN AND DEPOSIT SERVICES TO APPROXIMATELY 8,872 MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBER OWNED STATE CHARTERED CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD MEMBERS ARE ELECTED BY THE MEMBERSHIP ON AN ANNUAL BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COPY OF 990 IS REVIEWED BY CEO BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CEO'S COMPENSATION IS DETERMINED BY THE EXECUTIVE COMMITTEE OF THE BOARD. COMPENSATION IS BASED ON PRIOR YEAR FINANCIAL PERFORMANCE, COMPARATIVES, AND ORGANIZATIONAL AND PERSONAL GOALS SET WITH THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5KEY EMPLOYEE COMPENSATION IS DETERMINED BY THE CEO AND IS BASED ON PRIOR YEAR PERFORMANCE, COMPARATIVES, AND ESTABLISHED ORGANIZATIONAL AND PERSONAL GOALS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt079499493
IRS990/TotalAssetsEOYAmt077435904
IRS990/TotalAssetsGrp/BOYAmt079499493
IRS990/TotalAssetsGrp/EOYAmt077435904
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt035
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03325487
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt072594777
IRS990/TotalLiabilitiesEOYAmt070803438
IRS990/TotalLiabilitiesGrp/BOYAmt072594777
IRS990/TotalLiabilitiesGrp/EOYAmt070803438
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06904716
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06632466
IRS990/TotalOtherCompensationAmt011087
IRS990/TotalProgramServiceRevenueAmt02247654
IRS990/TotalReportableCompFromOrgAmt0273642
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03340539
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03340539
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt079499493
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt077435904
IRS990/TravelGrp/TotalAmt05107
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine106601 MUTUAL DRIVE
IRS990/USAddress/City0FORT WAYNE
IRS990/USAddress/State0IN
IRS990/USAddress/ZIPCode046825
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.GENCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID KAISER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHIEF FINANCIAL OFFICER
ReturnHeader/BusinessOfficerGrp/PhoneNum02604715544
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10DEPARTMENT OF FINANCIAL INSTITUTION
ReturnHeader/Filer/BusinessName/BusinessNameLine20DIVISION OF CREDIT UNIONS
ReturnHeader/Filer/BusinessNameControlTxt0DEPA
ReturnHeader/Filer/EIN0351071275
ReturnHeader/Filer/PhoneNum02604715544
ReturnHeader/Filer/USAddress/AddressLine106601 MUTUAL DRIVE
ReturnHeader/Filer/USAddress/City0FORT WAYNE
ReturnHeader/Filer/USAddress/State0IN
ReturnHeader/Filer/USAddress/ZIPCode046825
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10SUMMERS CARROLL WHISLER LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10330 EAST MAIN STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0MUNCIE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode047305
ReturnHeader/PreparerPersonGrp/PhoneNum07652897951
ReturnHeader/PreparerPersonGrp/PreparationDt02014-03-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL G WHISLER CPA
ReturnHeader/ReturnTs02014-04-05T09:33:25-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$77,435,904
Liabilities
$70,803,438
Net assets
$6,632,466
Revenue
$3,340,539
Expenses
$3,325,487
Net income
$15,052
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$2.66$2.69$0.04
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$82.4$74.6$7.87$3.34$2.90$0.43
2015Detailed filing. Detailed filing data is available for this year.$80.1$72.6$7.51$3.30$2.85$0.45
2014Detailed filing. Detailed filing data is available for this year.$78.3$71.2$7.14$3.35$2.95$0.39
2013Detailed filing. Detailed filing data is available for this year.$77.4$70.8$6.63$3.34$3.33$0.02
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$80.0$73.3$6.71$4.28
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$79.6$72.7$6.91$3.71
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $50M-$100M nonprofits