Civic Intelligence

Max Credit Union

990 • Fiscal year 2011 • EIN 36-4618706

Jan 01, 2011 to Dec 31, 2011 • Filed on Oct 03, 2012

Organization ProfileWWW.MYMAX.COM

View Organization Page

400 Eastdale Circle36117
Siviq Scores

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

Liabilities / Assets

17th percentile

0.86x

Higher debt load relative to assets than 17% 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

55th percentile

6.0%

Faster asset growth than 55% 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 / Assets17th percentile

Assets

Up

$913,542,767

Up $51,782,096 (+6.0%) from 2010

Net Assets

Up

$130,751,565

Up $7,233,485 (+5.9%) from 2010

Liabilities

Up

$782,791,202

Up $44,548,611 (+6.0%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$40,411,778

Down $2,651,915 (-6.2%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth55th percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $861,760,671Liabilities 2010: $738,242,591Net Assets 2010: $123,518,0802010Assets 2011: $913,542,767Liabilities 2011: $782,791,202Net Assets 2011: $130,751,5652011Assets 2012: $981,295,811Liabilities 2012: $838,849,330Net Assets 2012: $142,446,4812012Assets 2013: $1,034,932,163Liabilities 2013: $892,785,897Net Assets 2013: $142,146,2662013Assets 2014: $1,092,065,087Liabilities 2014: $934,973,511Net Assets 2014: $157,091,5762014Assets 2015: $1,178,199,681Liabilities 2015: $1,014,920,229Net Assets 2015: $163,279,4522015Assets 2016: $1,242,870,839Liabilities 2016: $1,072,629,833Net Assets 2016: $170,241,0062016Assets 2017: $1,315,416,754Liabilities 2017: $1,137,497,319Net Assets 2017: $177,919,4352017Assets 2018: $1,365,063,060Liabilities 2018: $1,178,204,202Net Assets 2018: $186,858,8582018Assets 2019: $1,460,586,194Liabilities 2019: $1,255,813,087Net Assets 2019: $204,773,1072019Assets 2020: $1,769,448,467Liabilities 2020: $1,547,841,679Net Assets 2020: $221,606,7882020Assets 2021: $2,021,706,470Liabilities 2021: $1,803,794,703Net Assets 2021: $217,911,7672021Assets 2022: $1,964,438,398Liabilities 2022: $1,824,298,110Net Assets 2022: $140,140,2882022Assets 2024: $2,149,434,453Liabilities 2024: $1,940,079,500Net Assets 2024: $209,354,9532024

Highlighted filing

2011

Assets$913,542,767
Liabilities$782,791,202
Net Assets$130,751,565
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150M$100M$50M$0Expenses 2010: $43,063,6932010Expenses 2011: $40,411,7782011Expenses 2012: $43,034,6802012Revenue 2013: $55,116,384Expenses 2013: $48,175,602Net Income 2013: $6,940,7822013Revenue 2014: $57,625,876Expenses 2014: $46,902,404Net Income 2014: $10,723,4722014Revenue 2015: $59,535,668Expenses 2015: $50,831,569Net Income 2015: $8,704,0992015Revenue 2016: $61,073,107Expenses 2016: $52,920,659Net Income 2016: $8,152,4482016Revenue 2017: $63,858,807Expenses 2017: $54,547,429Net Income 2017: $9,311,3782017Revenue 2018: $69,231,901Expenses 2018: $58,628,214Net Income 2018: $10,603,6872018Revenue 2019: $74,745,325Expenses 2019: $63,321,492Net Income 2019: $11,423,8332019Revenue 2020: $78,182,943Expenses 2020: $67,246,495Net Income 2020: $10,936,4482020Revenue 2021: $76,797,432Expenses 2021: $60,006,358Net Income 2021: $16,791,0742021Revenue 2022: $81,267,225Expenses 2022: $62,954,777Net Income 2022: $18,312,4482022Revenue 2024: $123,834,123Expenses 2024: $100,536,448Net Income 2024: $23,297,6752024

Highlighted filing

2011

Revenue-
Expenses$40,411,778
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Oct 3, 2012
Return Version
2011v1.2
Gross Receipts
$47,645,529
Mission and Program Overview

Mission

Max is a state-chartered community credit union serving approximately 117,000 members in the montgomery, alabama and surrounding areas.

Major Activities

Activity 2
To meet the financial needs of our members, max provides a source of credit by offering a variety of consumer, real estate, and business lending products at reasonable rates of interest.
Activity 3
In addition to the savings and lending products we offer, max provides a variety of other financial services to meet the needs of our members.
Filing and Contact Details

Filer

EIN
36-4618706
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IRS990ScheduleD/ExpensesSubtotal040411778
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0THE CREDIT UNION HOLDS ESCROWED FUNDS FOR THE PAYMENT OF PROPERTY TAXES AND HOMEOWNERS' INSURANCE AS A SERVICE TO OUR MEMBERS WHO HAVE MORTGAGES WITH US.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation1EFFECTIVE JANUARY 1, 2009, THE CREDIT UNION IMPLEMENTED THE NEW ACCOUNTING REQUIREMENTS ASSOCIATED WITH UNCERTAINTY IN INCOME TAXES USING THE PROVISIONS OF FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ASC 740, INCOME TAXES. USING THAT GUIDANCE, TAX POSITIONS INITIALLY NEED TO BE RECOGNIZED IN THE FINANCIAL STATEMENTS WHEN IT IS MORE-LIKELY-THAN-NOT THE POSITIONS WILL BE SUSTAINED UPON EXAMINATION BY THE TAX AUTHORITIES. IT ALSO PROVIDES GUIDANCE FOR DERECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION. TO DATE, THE CREDIT UNION HAD NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, THE CREDIT UNION HAD NO INTEREST AND PENALTIES RELATED TO INCOME TAXES. WITH FEW EXCEPTIONS, THE CREDIT UNION IS NO LONGER SUBJECT TO U.S. FEDERAL, STATE, AND LOCAL INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR YEARS BEFORE 2008.
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference0PART IV, LINE 2B:
IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference1PART X:
IRS990ScheduleD/IncludedOnFS01
IRS990ScheduleD/Land/BookValue08213104
IRS990ScheduleD/Land/OtherCostOrOtherBasis08213104
IRS990ScheduleD/OtherLandBuildings/BookValue02409539
IRS990ScheduleD/OtherLandBuildings/Depreciation017687480
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis020097019
IRS990ScheduleD/OtherLiabilities/Amount0774015597
IRS990ScheduleD/OtherLiabilities/Amount1680784
IRS990ScheduleD/OtherLiabilities/Description0MEMBER SHARE AND CERTIFICATE OF DEPOSITS
IRS990ScheduleD/OtherLiabilities/Description1INTEREST PAYABLE ON DEPOSITS
IRS990ScheduleD/OtherSecurities/BookValue0135021493
IRS990ScheduleD/OtherSecurities/BookValue163677000
IRS990ScheduleD/OtherSecurities/BookValue250000
IRS990ScheduleD/OtherSecurities/Description0SECURITIES
IRS990ScheduleD/OtherSecurities/Description1CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecurities/Description2INVESTMENT IN CU SERVICE CENTER
IRS990ScheduleD/OtherSecurities/MethodOfValuation0C
IRS990ScheduleD/OtherSecurities/MethodOfValuation1C
IRS990ScheduleD/OtherSecurities/MethodOfValuation2C
IRS990ScheduleD/RevenueNotRptdF99000
IRS990ScheduleD/RevenueNotRptdOnFinStmt00
IRS990ScheduleD/RevenueSubtotal047645263
IRS990ScheduleD/TotalExpenses040411778
IRS990ScheduleD/TotalExpensesPerForm990040411778
IRS990ScheduleD/TotalOfAmounts0774696381
IRS990ScheduleD/TotalOfBookValueLandBuildings025441117
IRS990ScheduleD/TotalOfBookValueSecurities0198748493
IRS990ScheduleD/TotalRevenue047645263
IRS990ScheduleD/TotalRevenuePerForm990047645263
IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt040411778
IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt047645263
IRS990ScheduleJ/BoardOrCommitteeApproval0X
IRS990ScheduleJ/ClubDuesOrFees0X
IRS990ScheduleJ/CompensationCommittee0X
IRS990ScheduleJ/CompensationSurvey0X
IRS990ScheduleJ/EquityBasedCompArrangement00
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0308151
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg1192931
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg2163350
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg3164332
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg4136793
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg596035
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg6123822
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg062396

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$913,542,767
Liabilities
$782,791,202
Net assets
$130,751,565
Revenue
-
Expenses
$40,411,778
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,149$1,940$209$124$101$23.3
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,964$1,824$140$81.3$63.0$18.3
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,022$1,804$218$76.8$60.0$16.8
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,769$1,548$222$78.2$67.2$10.9
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,461$1,256$205$74.7$63.3$11.4
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,365$1,178$187$69.2$58.6$10.6
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,315$1,137$178$63.9$54.5$9.31
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,243$1,073$170$61.1$52.9$8.15
2015Detailed filing. Detailed filing data is available for this year.$1,178$1,015$163$59.5$50.8$8.70
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,092$935$157$57.6$46.9$10.7
2013Detailed filing. Detailed filing data is available for this year.$1,035$893$142$55.1$48.2$6.94
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$981$839$142$43.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$914$783$131$40.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$862$738$124$43.1