Civic Intelligence

Earthmover Credit Union

990 • Fiscal year 2011 • EIN 36-6062499

Jan 01, 2011 to Dec 31, 2011 • Filed on May 10, 2012

Organization Profilewww.earthmovercu.com

View Organization Page

PO Box 293760507
Siviq Scores

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

Liabilities / Assets

14th percentile

0.85x

Higher debt load relative to assets than 14% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M 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

49th percentile

4.3%

Faster asset growth than 49% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M 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 / Assets14th percentile

Assets

Up

$212,113,625

Up $8,765,003 (+4.3%) from 2010

Net Assets

Up

$31,674,046

Up $2,026,968 (+6.8%) from 2010

Liabilities

Up

$180,439,579

Up $6,738,035 (+3.9%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$11,167,396

Down $420,410 (-3.6%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth49th percentile

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

$600M$400M$200M$0Assets 2010: $203,348,622Liabilities 2010: $173,701,544Net Assets 2010: $29,647,0782010Assets 2011: $212,113,625Liabilities 2011: $180,439,579Net Assets 2011: $31,674,0462011Assets 2012: $223,092,316Liabilities 2012: $189,784,119Net Assets 2012: $33,308,1972012Assets 2013: $220,341,872Liabilities 2013: $186,748,640Net Assets 2013: $33,593,2322013Assets 2014: $225,671,860Liabilities 2014: $188,908,525Net Assets 2014: $36,763,3352014Assets 2015: $238,771,898Liabilities 2015: $199,355,397Net Assets 2015: $39,416,5012015Assets 2016: $247,983,525Liabilities 2016: $206,030,885Net Assets 2016: $41,952,6402016Assets 2017: $259,718,385Liabilities 2017: $214,066,271Net Assets 2017: $45,652,1142017Assets 2018: $272,252,188Liabilities 2018: $222,928,152Net Assets 2018: $49,324,0362018Assets 2019: $292,564,037Liabilities 2019: $238,041,547Net Assets 2019: $54,522,4902019Assets 2020: $339,748,049Liabilities 2020: $280,329,094Net Assets 2020: $59,418,9552020Assets 2021: $387,604,872Liabilities 2021: $326,104,986Net Assets 2021: $61,499,8862021Assets 2022: $376,266,633Liabilities 2022: $324,027,456Net Assets 2022: $52,239,1772022Assets 2023: $381,228,183Liabilities 2023: $321,155,639Net Assets 2023: $60,072,5442023Assets 2024: $424,217,833Liabilities 2024: $352,892,585Net Assets 2024: $71,325,2482024

Highlighted filing

2011

Assets$212,113,625
Liabilities$180,439,579
Net Assets$31,674,046
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0Expenses 2010: $11,587,8062010Expenses 2011: $11,167,3962011Expenses 2012: $10,723,2002012Revenue 2013: $11,886,347Expenses 2013: $10,194,832Net Income 2013: $1,691,5152013Revenue 2014: $12,178,179Expenses 2014: $9,426,130Net Income 2014: $2,752,0492014Revenue 2015: $12,642,380Expenses 2015: $9,745,366Net Income 2015: $2,897,0142015Revenue 2016: $13,272,088Expenses 2016: $10,426,768Net Income 2016: $2,845,3202016Revenue 2017: $14,670,335Expenses 2017: $10,798,419Net Income 2017: $3,871,9162017Revenue 2018: $15,856,504Expenses 2018: $11,908,896Net Income 2018: $3,947,6082018Revenue 2019: $17,144,896Expenses 2019: $13,100,089Net Income 2019: $4,044,8072019Revenue 2020: $16,549,996Expenses 2020: $12,453,650Net Income 2020: $4,096,3462020Revenue 2021: $17,049,489Expenses 2021: $12,794,529Net Income 2021: $4,254,9602021Revenue 2022: $18,135,015Expenses 2022: $13,608,595Net Income 2022: $4,526,4202022Revenue 2023: $21,600,522Expenses 2023: $16,423,160Net Income 2023: $5,177,3622023Revenue 2024: $27,977,321Expenses 2024: $22,177,113Net Income 2024: $5,800,2082024

Highlighted filing

2011

Revenue-
Expenses$11,167,396
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 10, 2012
Return Version
2011v1.2
Gross Receipts
$15,130,217
Mission and Program Overview

Mission

We are a member owned financial institution existing to provide members quality products and services while maintaining a competitive rate of return on deposits, security of capital strength, and competitive rates on loans.

Major Activities

Activity 2
Provided 14591163 advances to members 2141 home equity line of credit advances and 123 home equity closed end loans.
Activity 3
Provided 11085 checking services to members including debit card services to 8647 members.
Filing and Contact Details

Filer

EIN
36-6062499
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IRS990ScheduleO/GeneralExplanation/Explanation0PART I - LINE 6 THE NUMBER OF VOLUNTEERS RELATES TO ECU'S BOARD OF DIRECTORS MEMBERS. PART III - LINE 4 OTHER PROGRAM SERVICES PROVIDED NEW MORTGAGE SERVICES TO 15 MEMBERS TOTALING 1682690. PROVIDED REVOLVING VISA CREDIT CARDS TO 10526 MEMBERS ISSUED 651 NEW VISA CREDIT CARDS. FINANCED 1076 VEHICLES AND 777 CONSUMER LOANS INCLUDING 14 INDIRECT LOANS. PROVIDED 1220461 ATM TRANSACTIONS. PROVIDED AUDIO RESPONSE TO 5246 MEMBERS. PROVIDED HOME BANKING BILL PAYMENT INTERNET ACCESS TO 5632 MEMBERS. PROVIDED E-STATEMENTS ACCESS TO 3472 MEMBERS. PROVIDED 758 IRA ACCOUNTS TO MEMBERS. PROVIDED 777 CHRISTMAS CLUB ACCOUNTS TO MEMBERS. PROVIDED CONSUMER EDUCATION AND CREDIT UNION EDUCATION. DIRECTLY TO 19 OSWEGO HIGH SCHOOL STUDENTS AND INDIRECTLY TO APPROXIMATELY 2350 TO OTHER OSWEGO HIGH SCHOOL STUDENTS. PART VI - LINE 6 ECU HAS MEMBERS NOT STOCKHOLDERS. PART VI - LINE 7A ECU HAS MEMBERS WHO MAY ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY - BOARD OF DIRECTORS. PART VI - LINE 7B YES SOME DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY MEMBERS. PART VI - LINE 11 ECU'S PRESIDENT CEO WHO IS ALSO ON THE BOARD OF DIRECTORS REVIEWS AND FILES THE 990 REPORT. THE 990 REPORT IS MADE AVAILABLE TO THE OTHER BOARD OF DIRECTORS MEMBERS FOR REVIEW. PART VI - LINE 12C ECU REGULARLY MONITORS VARIOUS REPORTS TO ENFORCE COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY. ECU REVIEWS THIS POLICY ANNUALLY WITH ALL STAFF TO REINFORCE ECU'S CODE OF CONDUCT. PART VI - LINE 15A AND LINE 15B ECU'S BOARD OF DIRECTORS CONDUCTS SALARY SURVEYS AND DISCUSSES COMPENSATION FOR KEY POSITIONS. PART VI - LINE 19 ECU MAKES ITS GOVERNING DOCUMENTS CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. IN ADDITION ECU POSTS ITS FINANCIAL STATEMENTS IN ITS OFFICE LOBBIES DISTRIBUTES AN ANNUAL REPORT TO ITS MEMBERS AND HOLDS AN ANNUAL MEETING WHICH IS OPEN TO THE PUBLIC. PART XI - LINE 5 THE 305637 IN OTHER CHANGES IN NET ASSETS OR FUND BALANCES IS THE TOTAL OF 368369 FOR THE UNREALIZED GAIN ON AVAILABLE FOR SALE SECURITIES AND (62732) FOR AN ADJUSTMENT FOR GAINS INCLUDED IN INCOME.
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IRS990/TheBooksAreInCareOf/AddressUS/AddressLine102195 BASELINE RD
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IRS990/TheBooksAreInCareOf/NamePerson0NOREEN WILKERSON
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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
$212,113,625
Liabilities
$180,439,579
Net assets
$31,674,046
Revenue
-
Expenses
$11,167,396
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$424$353$71.3$28.0$22.2$5.80
2023Detailed filing. Detailed filing data is available for this year.$381$321$60.1$21.6$16.4$5.18
2022Detailed filing. Detailed filing data is available for this year.$376$324$52.2$18.1$13.6$4.53
2021Detailed filing. Detailed filing data is available for this year.$388$326$61.5$17.0$12.8$4.25
2020Detailed filing. Detailed filing data is available for this year.$340$280$59.4$16.5$12.5$4.10
2019Detailed filing. Detailed filing data is available for this year.$293$238$54.5$17.1$13.1$4.04
2018Detailed filing. Detailed filing data is available for this year.$272$223$49.3$15.9$11.9$3.95
2017Detailed filing. Detailed filing data is available for this year.$260$214$45.7$14.7$10.8$3.87
2016Detailed filing. Detailed filing data is available for this year.$248$206$42.0$13.3$10.4$2.85
2015Detailed filing. Detailed filing data is available for this year.$239$199$39.4$12.6$9.75$2.90
2014Detailed filing. Detailed filing data is available for this year.$226$189$36.8$12.2$9.43$2.75
2013Detailed filing. Detailed filing data is available for this year.$220$187$33.6$11.9$10.2$1.69
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$223$190$33.3$10.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$212$180$31.7$11.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$203$174$29.6$11.6