Civic Intelligence

Community Trust Credit Union

990 • Fiscal year 2012 • EIN 36-1932435

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 19, 2013

Organization ProfileWWW.CTCU.ORG

View Organization Page

1313 Skokie Hwy60031
Siviq Scores

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

Liabilities / Assets

88th percentile

0.92x

Higher debt load relative to assets than 88% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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

30th percentile

2.6%

Faster asset growth than 30% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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 / Assets88th percentile

Assets

Up

$186,566,267

Up $4,666,883 (+2.6%) from 2011

Net Assets

Up

$14,646,317

Up $336,958 (+2.4%) from 2011

Liabilities

Up

$171,919,950

Up $4,329,925 (+2.6%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$7,681,735

Down $965,445 (-11%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth30th percentile

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

$400M$300M$200M$100M$0Assets 2010: $177,047,473Liabilities 2010: $162,514,189Net Assets 2010: $14,533,2842010Assets 2011: $181,899,384Liabilities 2011: $167,590,025Net Assets 2011: $14,309,3592011Assets 2012: $186,566,267Liabilities 2012: $171,919,950Net Assets 2012: $14,646,3172012Assets 2013: $188,688,896Liabilities 2013: $173,801,856Net Assets 2013: $14,887,0402013Assets 2014: $191,784,102Liabilities 2014: $176,113,522Net Assets 2014: $15,670,5802014Assets 2015: $204,946,414Liabilities 2015: $188,493,152Net Assets 2015: $16,453,2622015Assets 2016: $212,111,691Liabilities 2016: $194,719,943Net Assets 2016: $17,391,7482016Assets 2017: $217,190,752Liabilities 2017: $198,663,431Net Assets 2017: $18,527,3212017Assets 2018: $219,160,234Liabilities 2018: $198,837,787Net Assets 2018: $20,322,4472018Assets 2019: $225,966,161Liabilities 2019: $203,896,934Net Assets 2019: $22,069,2272019Assets 2020: $262,364,178Liabilities 2020: $239,390,909Net Assets 2020: $22,973,2692020Assets 2021: $300,266,331Liabilities 2021: $276,731,661Net Assets 2021: $23,534,6702021Assets 2022: $313,408,662Liabilities 2022: $285,783,992Net Assets 2022: $27,624,6702022Assets 2023: $307,429,832Liabilities 2023: $275,532,068Net Assets 2023: $31,897,7642023Assets 2024: $317,252,105Liabilities 2024: $282,299,516Net Assets 2024: $34,952,5892024

Highlighted filing

2012

Assets$186,566,267
Liabilities$171,919,950
Net Assets$14,646,317
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$20M$15M$10M$5.0M$0Expenses 2010: $8,827,3202010Expenses 2011: $8,647,1802011Expenses 2012: $7,681,7352012Revenue 2013: $7,793,236Expenses 2013: $7,552,513Net Income 2013: $240,7232013Revenue 2014: $7,421,266Expenses 2014: $6,637,726Net Income 2014: $783,5402014Revenue 2015: $7,315,631Expenses 2015: $6,532,949Net Income 2015: $782,6822015Revenue 2016: $7,641,530Expenses 2016: $6,703,044Net Income 2016: $938,4862016Revenue 2017: $8,105,268Expenses 2017: $6,969,695Net Income 2017: $1,135,5732017Revenue 2018: $8,988,267Expenses 2018: $7,193,141Net Income 2018: $1,795,1262018Revenue 2019: $9,500,650Expenses 2019: $7,753,870Net Income 2019: $1,746,7802019Revenue 2020: $8,283,609Expenses 2020: $7,379,567Net Income 2020: $904,0422020Revenue 2021: $7,919,294Expenses 2021: $7,357,893Net Income 2021: $561,4012021Revenue 2022: $11,872,195Expenses 2022: $7,782,195Net Income 2022: $4,090,0002022Revenue 2023: $14,516,805Expenses 2023: $9,776,364Net Income 2023: $4,740,4412023Revenue 2024: $15,150,433Expenses 2024: $12,095,608Net Income 2024: $3,054,8252024

Highlighted filing

2012

Revenue-
Expenses$7,681,735
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 19, 2013
Return Version
2012v2.1
Gross Receipts
$8,261,193
Mission and Program Overview

Mission

To assist our members in the management of their financial well being by providing loans, savings accounts, and other financial insitution services.

Major Activities

Activity 2
Provided home banking services to 8,751 members
Activity 3
Received deposits on savings from 15,350 members
Filing and Contact Details

Filer

EIN
36-1932435
Raw XML AppendixShowing 400 of 410 raw XML fields

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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0PART X, FIN 48 DISCLOSURE: THE CREDIT UNION'S CONSOLIDATED FINANCIAL STATEMENTS CONTAIN NO FOOTNOTE CONCERNING LIABILITIES FOR UNCERTAIN TAX POSITIONS, IN ACCORDANCE WITH GUIDANCE FROM THE FASB, BECAUSE IT WAS DETERMINED THAT NO FIN 48 ISSUES REQUIRING DISCLOSURE EXIST WITH RESPECT TO THIS CREDIT UNION.
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IRS990ScheduleO/GeneralExplanation/Explanation0A MEMBER IS DEFINED AS AN INDIVIDUAL WITHIN OUR MEMBERSHIP AREA THAT HAS THE REQUIRED SHARE DEPOSIT AT THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation1EVERY PERSON WITH THE REQUIRED SHARE DEPOSIT AT THE INSTITUTION IS CONSIDERED A MEMBER. EACH MEMBER HAS THE RIGHT TO VOTE FOR ELECTED BOARD MEMBERS AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation2EACH MEMBER HAS THE RIGHT TO VOTE FOR OR AGAINST POTENTIAL BOARD MEMBERS AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation3THE 990 IS COMPILED BY THE CFO AND REVIEWED BY THE CFO, COO, AND CEO.
IRS990ScheduleO/GeneralExplanation/Explanation4INTERNAL AUDIT REVIEWS REPORTS DAILY TO ENSURE EMPLOYEES ARE COMPLYING WITH THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/GeneralExplanation/Explanation5THE CREDIT UNION USES A 3RD PARTY TO OBTAIN COMPENSATION RANGES. THE 3RD PARTY USES LOCAL CREDIT UNION PAY SCALES AS WELL AS INFORMATION FROM NATIONWIDE SALARY SURVEYS. THE HR MANAGER THEN REVIEWS WITH UPPER MANAGEMENT BEFORE FINALIZING THE COMPENSATION RANGES.
IRS990ScheduleO/GeneralExplanation/Explanation6A FINANCIAL STATEMENT OF CONDITION IS POSTED AT EACH LOCATION AND UPDATED MONTHLY. OTHER PUBLIC DOCUMENTS ARE ISSUED ON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation7FORM 990, PART XI, LINE 2C: THE CFO IS RESPONSIBLE FOR THE OVERSIGHT OF THE FINANCIAL STATEMENT COMPILED BY AN INDEPENDENT ACCOUNTANT. THERE IS NO CHANGE IN THE OVERSIGHT OR SELECTION PROCESS FROM THE PREVIOUS YEAR.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
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IRS990/TotalExpensesCurrentYear07681735
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IRS990/TotalRevenue/TotalRevenueColumn08018693
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IRS990/YearFormation01933
ReturnHeader/BuildTS02016-02-25 16:41:14Z
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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$186,566,267
Liabilities
$171,919,950
Net assets
$14,646,317
Revenue
-
Expenses
$7,681,735
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$317$282$35.0$15.2$12.1$3.05
2023Detailed filing. Detailed filing data is available for this year.$307$276$31.9$14.5$9.78$4.74
2022Detailed filing. Detailed filing data is available for this year.$313$286$27.6$11.9$7.78$4.09
2021Detailed filing. Detailed filing data is available for this year.$300$277$23.5$7.92$7.36$0.56
2020Detailed filing. Detailed filing data is available for this year.$262$239$23.0$8.28$7.38$0.90
2019Detailed filing. Detailed filing data is available for this year.$226$204$22.1$9.50$7.75$1.75
2018Detailed filing. Detailed filing data is available for this year.$219$199$20.3$8.99$7.19$1.80
2017Detailed filing. Detailed filing data is available for this year.$217$199$18.5$8.11$6.97$1.14
2016Detailed filing. Detailed filing data is available for this year.$212$195$17.4$7.64$6.70$0.94
2015Detailed filing. Detailed filing data is available for this year.$205$188$16.5$7.32$6.53$0.78
2014Detailed filing. Detailed filing data is available for this year.$192$176$15.7$7.42$6.64$0.78
2013Detailed filing. Detailed filing data is available for this year.$189$174$14.9$7.79$7.55$0.24
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$187$172$14.6$7.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$182$168$14.3$8.65
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$177$163$14.5$8.83