Civic Intelligence

Valley Bell Credit Union

990 • Fiscal year 2012 • EIN 36-0789045

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 16, 2013

Organization Profilewww.valleybellcu.org

View Organization Page

1950 Big Timber Road60123
Siviq Scores

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

Liabilities / Assets

21st percentile

0.81x

Higher debt load relative to assets than 21% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

1st percentile

-10.0%

Faster asset growth than 1% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets21st percentile

Assets

Down

$11,859,377

Down $1,310,876 (-10.0%) from 2011

Net Assets

Down

$2,309,012

Down $291,465 (-11%) from 2011

Liabilities

Down

$9,550,365

Down $1,019,411 (-9.6%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$705,354

Up $4,401 (+0.6%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth1st percentile

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

$15M$10M$5.0M$0Assets 2010: $13,258,506Liabilities 2010: $10,403,674Net Assets 2010: $2,854,8322010Assets 2011: $13,170,253Liabilities 2011: $10,569,776Net Assets 2011: $2,600,4772011Assets 2012: $11,859,377Liabilities 2012: $9,550,365Net Assets 2012: $2,309,0122012Assets 2013: $13,901,668Liabilities 2013: $11,840,912Net Assets 2013: $2,060,7562013Assets 2014: $14,560,765Liabilities 2014: $12,653,787Net Assets 2014: $1,906,9782014

Highlighted filing

2012

Assets$11,859,377
Liabilities$9,550,365
Net Assets$2,309,012
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0-$500KExpenses 2010: $657,8502010Expenses 2011: $700,9532011Expenses 2012: $705,3542012Revenue 2013: $543,507Expenses 2013: $791,763Net Income 2013: -$248,2562013Revenue 2014: $599,755Expenses 2014: $753,533Net Income 2014: -$153,7782014

Highlighted filing

2012

Revenue-
Expenses$705,354
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 16, 2013
Return Version
2012v2.1
Gross Receipts
$413,889
Mission and Program Overview

Mission

Illinois state chartered credit union operated for the mutual benefit of its members. The credit union makes loans to members and pays dividends to members with share deposits at a competitive rate of interest.

Major Activities

Activity 2
The Credit Union pays out dividends to its members' share deposit accounts at a market rate of interest. The number of share accounts at 12/31/12 is 1,602 for a total of $9,433,322.
Filing and Contact Details

Filer

EIN
36-0789045
Raw XML Appendix366 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/ActivitiesConductedPartnership00
IRS990/Activity2/Description0The Credit Union pays out dividends to its members' share deposit accounts at a market rate of interest. The number of share accounts at 12/31/12 is 1,602 for a total of $9,433,322.
IRS990/ActivityOrMissionDescription0Illinois state chartered credit union operated for the mutual benefit of its members
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IRS990ScheduleO/GeneralExplanation/Explanation0The Credit Union's statement of financial condition and the related statements of income, members' equity, and cash flows were audited for the year ended September 30, 2012 in accordance with audit standards generally accepted in the United States. The audited financial statements contained the following foot note relating to income tax. The Credit Union was granted an exemption from federal income taxes by the Internal Revenue Service pursuant to the provisions of Internal Revenue Code Section 501(c)(14). The tax exempt purpose of the Credit Union and the nature in which it operates is described in Note 1. Management believes the Credit Union continues to operate in compliance with its tax exempt purpose. The Credit Union had no unrelated business income in 2012 or 2011 that management believes is subject to taxation. The Credit Union's annual information returns filed with the federal government are subject to examination for the statutory period.
IRS990ScheduleO/GeneralExplanation/Explanation1Board members Jan Bayer and Roy Bayer are married to each other.
IRS990ScheduleO/GeneralExplanation/Explanation2The Organization's membership consists of individuals with funds on deposit with the credit union.
IRS990ScheduleO/GeneralExplanation/Explanation3The membership participates in the annual election of the Board of Directors either by casting a vote at the annual meeting or voting by proxy.
IRS990ScheduleO/GeneralExplanation/Explanation4The Form 990 is reviewed by the credit union president prior to filing.
IRS990ScheduleO/GeneralExplanation/Explanation5Officers, directors and key employees are required to immediately disclose any situation which may be deemed a conflict of interest.
IRS990ScheduleO/GeneralExplanation/Explanation6The credit unions makes its governing documents, conflict of interest policy, and financial statements available upon reuest.
IRS990ScheduleO/GeneralExplanation/Identifier0Audited Financial Statements
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part IV, Page 3, #12
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, line 2
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, line 11
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Section C, line 19
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IRS990/WebSite0www.valleybellcu.org
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IRS990/YearFormation01935
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/Filer/EIN0360789045
ReturnHeader/Filer/Name/BusinessNameLine10Valley Bell Credit Union
ReturnHeader/Filer/NameControl0VALL
ReturnHeader/Filer/Phone08477413403
ReturnHeader/Filer/USAddress/AddressLine101950 Big Timber Road
ReturnHeader/Filer/USAddress/City0Elgin
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode060123
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02013-04-16
ReturnHeader/Officer/Name0Jatinder Hoonjan
ReturnHeader/Officer/Phone08477413403
ReturnHeader/Officer/Title0President
ReturnHeader/Preparer/DatePrepared02013-04-16
ReturnHeader/PreparerFirm/EIN0363321958
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10Desmond & Ahern Ltd
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1010827 S Western Ave
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0Chicago
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0IL
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode060643
ReturnHeader/Preparer/Name0Hugh J Ahern
ReturnHeader/Preparer/Phone07737794720
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-04-16T13:29:48-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$11,859,377
Liabilities
$9,550,365
Net assets
$2,309,012
Revenue
-
Expenses
$705,354
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$14.6$12.7$1.91$0.60$0.75$0.15
2013Detailed filing. Detailed filing data is available for this year.$13.9$11.8$2.06$0.54$0.79$0.25
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.9$9.55$2.31$0.71
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.2$10.6$2.60$0.70
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.3$10.4$2.85$0.66