Civic Intelligence

New Albany Schools Credit Union

EIN 35-1082817

3105 Grant Line Rd47150-2155
Siviq Scores

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

Liabilities / Assets

93rd percentile

0.92x

Higher debt load relative to assets than 93% of similar nonprofits.

$10M-$25M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

No filing with officer or executive compensation is available for this organization yet.

Asset Growth

Score unavailable

No value available

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

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

$13,529,798

No earlier filing loaded for comparison.

Liabilities

$12,481,203

No earlier filing loaded for comparison.

Net Assets

$1,048,595

No earlier filing loaded for comparison.

Revenue

-

No earlier filing loaded for comparison.

Expenses

$772,625

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

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

$15M$10M$5.0M$0Assets 2010: $13,529,798Liabilities 2010: $12,481,203Net Assets 2010: $1,048,5952010

Highlighted filing

2010

Assets$13,529,798
Liabilities$12,481,203
Net Assets$1,048,595

Operations Trend

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

$800K$600K$400K$200K$0Expenses 2010: $772,6252010

Highlighted filing

2010

Revenue-
Expenses$772,625
Net Income-

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Oct 14, 2011
Return Version
2010v3.4
Gross Receipts
$642,534
Filing and Contact Details

Filer

EIN
35-1082817
Raw XML AppendixShowing 400 of 432 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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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION IS A MEMBER-OWNED, STATE-CHARTED FINANCIAL INSTITUTION. MEMBERS VOTE ON THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE MEMBERS ANNUALLY.
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IRS990ScheduleO/GeneralExplanation/Explanation2THE CREDIT UNION MANAGER REVIEWS THE FORM 990 BEFORE IT IS FILED.
IRS990ScheduleO/GeneralExplanation/Explanation3THE CREDIT UNION DOES NOT HAVE A FORMAL CONFLICT OF INTEREST POLICY OR WHISTLEBLOWER POLICY, BUT ALL BOARD MEMBERS AND THE CREDIT UNION MANAGER SIGN AN OATH OF OFFICE ON AN ANNUAL BASIS.
IRS990ScheduleO/GeneralExplanation/Explanation4COMPENSATION FOR THE CREDIT UNION'S MANAGER IS DETERMINED ANNUALLY AFTER A PERFORMANCE ASSESSMENT BY THE BOARD OF DIRECTORS. COMPENSATION FOR ALL OTHER EMPLOYEES IS RECOMMENDED BY THE CREDIT UNION MANAGER AND IS APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation5THE ORGANIZATION'S GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC AT THE CREDIT UNION'S PLACE OF BUSINESS UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation6PRIOR PERIOD ADJUSTMENT 15,510. TOTAL TO FORM 990, PART XI, LINE 5: 15,510.
IRS990ScheduleO/GeneralExplanation/Explanation7THE BOARD OF DIRECTORS ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT ACCOUNTANT. THIS IS THE FIRST YEAR THE CREDIT UNION HAS BEEN AUDITED.
IRS990ScheduleO/GeneralExplanation/Explanation8ALL LOANS FROM THE CREDIT UNION TO ANY OFFICER, DIRECTOR, OR KEY EMPLOYEE WERE APPROVED BY THE BOARD OF DIRECTORS OR LOAN COMMITTEE AND WERE MADE AT THE CREDIT UNION'S STANDARD MARKET RATES AND TERMS.
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IRS990ScheduleO/GeneralExplanation/Identifier3CHANGES IN NET ASSETS OR FUND BALANCES:
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