Civic Intelligence

First Northern Credit Union

990 • Fiscal year 2011 • EIN 36-2009178

Jan 01, 2011 to Dec 31, 2011 • Filed on Apr 07, 2012

Organization ProfileWWW.FNCU.ORG

View Organization Page

230 W Monroe No 285060606-4902
Siviq Scores

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

Liabilities / Assets

78th percentile

0.92x

Higher debt load relative to assets than 78% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

18th percentile

1.6%

Faster asset growth than 18% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets78th percentile

Assets

Up

$289,439,504

Up $4,632,171 (+1.6%) from 2010

Net Assets

Up

$23,662,671

Up $164,827 (+0.7%) from 2010

Liabilities

Up

$265,776,833

Up $4,467,344 (+1.7%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$12,397,068

Down $3,819,079 (-24%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth18th percentile

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

$400M$300M$200M$100M$0Assets 2010: $284,807,333Liabilities 2010: $261,309,489Net Assets 2010: $23,497,8442010Assets 2011: $289,439,504Liabilities 2011: $265,776,833Net Assets 2011: $23,662,6712011Assets 2012: $308,227,032Liabilities 2012: $284,159,489Net Assets 2012: $24,067,5432012Assets 2013: $307,646,933Liabilities 2013: $284,805,034Net Assets 2013: $22,841,8992013Assets 2014: $307,906,282Liabilities 2014: $284,902,737Net Assets 2014: $23,003,5452014Assets 2015: $313,214,061Liabilities 2015: $289,952,253Net Assets 2015: $23,261,8082015Assets 2016: $317,534,044Liabilities 2016: $293,428,781Net Assets 2016: $24,105,2632016Assets 2017: $316,319,262Liabilities 2017: $292,087,078Net Assets 2017: $24,232,1842017Assets 2018: $307,725,946Liabilities 2018: $283,170,742Net Assets 2018: $24,555,2042018Assets 2019: $302,789,767Liabilities 2019: $276,871,949Net Assets 2019: $25,917,8182019Assets 2020: $348,956,150Liabilities 2020: $321,548,669Net Assets 2020: $27,407,4812020Assets 2021: $376,782,772Liabilities 2021: $349,852,807Net Assets 2021: $26,929,9652021Assets 2022: $366,938,547Liabilities 2022: $347,155,196Net Assets 2022: $19,783,3512022Assets 2023: $350,536,640Liabilities 2023: $326,801,082Net Assets 2023: $23,735,5582023Assets 2024: $336,401,323Liabilities 2024: $306,893,425Net Assets 2024: $29,507,8982024

Highlighted filing

2011

Assets$289,439,504
Liabilities$265,776,833
Net Assets$23,662,671
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0-$10MExpenses 2010: $16,216,1472010Expenses 2011: $12,397,0682011Expenses 2012: $11,969,4202012Revenue 2013: $10,976,029Expenses 2013: $11,773,544Net Income 2013: -$797,5152013Revenue 2014: $11,353,687Expenses 2014: $11,450,422Net Income 2014: -$96,7352014Revenue 2015: $11,920,069Expenses 2015: $11,604,627Net Income 2015: $315,4422015Revenue 2016: $12,779,779Expenses 2016: $12,139,844Net Income 2016: $639,9352016Revenue 2017: $13,102,165Expenses 2017: $12,458,613Net Income 2017: $643,5522017Revenue 2018: $13,901,227Expenses 2018: $13,293,180Net Income 2018: $608,0472018Revenue 2019: $14,563,171Expenses 2019: $14,119,887Net Income 2019: $443,2842019Revenue 2020: $15,864,341Expenses 2020: $14,794,690Net Income 2020: $1,069,6512020Revenue 2021: $14,919,062Expenses 2021: $13,979,497Net Income 2021: $939,5652021Revenue 2022: $13,852,923Expenses 2022: $13,573,556Net Income 2022: $279,3672022Revenue 2023: $15,682,669Expenses 2023: $14,831,444Net Income 2023: $851,2252023Revenue 2024: $20,219,577Expenses 2024: $16,749,293Net Income 2024: $3,470,2842024

Highlighted filing

2011

Revenue-
Expenses$12,397,068
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Apr 7, 2012
Return Version
2011v1.2
Gross Receipts
$16,044,966
Mission and Program Overview

Mission

Credit union operated without profit for mutual purposes.

Major Activities

Activity 2
Granted 1,764 loans totaling $36,411,434 to our members during 2011.
Filing and Contact Details

Filer

EIN
36-2009178
Raw XML AppendixShowing 400 of 475 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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IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson1ALEX MALONE
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IRS990ScheduleO/GeneralExplanation/Explanation0MEMBERSHIP ELIGIBILITY REQUIREMENTS ARE DOCUMENTED IN THE ORGANIZATION'S BY-LAWS. MEMBERSHIP IS ACHIEVED BY MAINTAINING A COMMON SHARE DEPOSIT ACCOUNT OF $5.00 OR GREATER.
IRS990ScheduleO/GeneralExplanation/Explanation1CREDIT UNION HOLDS A MEETING OF THE ENTIRE MEMBERSHIP ANNUALLY, AT WHICH THE MEMBERSHIP ELECTS THE MEMBERS OF THE BOARD OF DIRECTORS TO ONE YEAR TERMS. ALL ELIGIBLE MEMBERS OF THE CREDIT UNION ARE INVITED TO ATTEND THE MEETING AND VOTE.
IRS990ScheduleO/GeneralExplanation/Explanation2FORM 990 IS REVIEWED FOR ACCURACY BY THE CREDIT UNION'S CONTROLLER PRIOR TO BEING SUBMITTED TO OUR EXTERNAL AUDITORS FOR ELECTRONIC FILING.
IRS990ScheduleO/GeneralExplanation/Explanation3ANNUAL CONFLICT OF INTEREST POLICIES ARE DISTRIBUTED TO ALL EMPLOYEES AND DIRECTORS BY THE CREDIT UNION'S INTERNAL AUDIT AREA. ALL FORMS ARE TO BE SIGNED AND RETURNED TO INTERNAL AUDIT, WHO ARE RESPONSIBLE FOR MAINTAINING ALL RECORDS. DATA INCLUDED ON FORMS IS REVIEWED AND TESTED BY INTERNAL AUDIT ON AN ON-GOING BASIS.
IRS990ScheduleO/GeneralExplanation/Explanation4INDEPENDENT CONSULTANT IS USED TO ESTABLISH AND MAINTAIN GRADE LEVELS AND SALARY RANGES WITHIN EACH GRADE. OVERALL MERIT INCREASE IS SUBMITTED BY THE COMPENSATION COMMITTEE TO THE BOARD OF DIRECTORS FOR APPROVAL ANNUALLY. INDIVIDUAL SALARY INCREASES FOR OTHER OFFICERS AND KEY EMPLOYEES ARE DETERMINED BY THE EMPLOYEES' INDIVIDUAL PERFORMANCE APPRAISALS. CEO SALARY IS ESTABLISHED BY THE BOARD OF DIRECTORS ANNUALLY.
IRS990ScheduleO/GeneralExplanation/Explanation5GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE AVAILABLE TO OUR MEMBERSHIP UPON REQUEST. FINANCIAL STATEMENTS ARE AVAILABLE TO OUR MEMBERS AND THE GENERAL PUBLIC VIA THE NCUA'S WEB SITE. ADDITIONALLY, YEAR-END FINANCIAL STATEMENTS ARE PROVIDED TO THE MEMBERSHIP VIA OUR PUBLISHED ANNUAL REPORT.
IRS990ScheduleO/GeneralExplanation/Explanation6OTHER CHANGE IN NET ASSETS CONSISTS OF THE CHANGE IN THE 24,242. UNREALIZED GAIN/LOSS ON AVAILABLE-FOR-SALE SECURITIES. TOTAL TO FORM 990, PART XI, LINE 5: 24,242.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
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 B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 15

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$289,439,504
Liabilities
$265,776,833
Net assets
$23,662,671
Revenue
-
Expenses
$12,397,068
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$336$307$29.5$20.2$16.7$3.47
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$351$327$23.7$15.7$14.8$0.85
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$367$347$19.8$13.9$13.6$0.28
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$377$350$26.9$14.9$14.0$0.94
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$349$322$27.4$15.9$14.8$1.07
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$303$277$25.9$14.6$14.1$0.44
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$308$283$24.6$13.9$13.3$0.61
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$316$292$24.2$13.1$12.5$0.64
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$318$293$24.1$12.8$12.1$0.64
2015Detailed filing. Detailed filing data is available for this year.$313$290$23.3$11.9$11.6$0.32
2014Detailed filing. Detailed filing data is available for this year.$308$285$23.0$11.4$11.5$0.10
2013Detailed filing. Detailed filing data is available for this year.$308$285$22.8$11.0$11.8$0.80
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$308$284$24.1$12.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$289$266$23.7$12.4
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$285$261$23.5$16.2