Civic Intelligence

Vibrant Credit Union

990 • Fiscal year 2012 • EIN 36-6068452

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 05, 2013

Organization ProfileWWW.VIBRANTCREDITUNION.ORG

View Organization Page

P O Box 155061265
Siviq Scores

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

Liabilities / Assets

56th percentile

0.90x

Higher debt load relative to assets than 56% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B 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

31st percentile

3.6%

Faster asset growth than 31% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B 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 / Assets56th percentile

Assets

Up

$452,822,858

Up $15,656,913 (+3.6%) from 2011

Net Assets

Up

$45,014,978

Up $3,790,367 (+9.2%) from 2011

Liabilities

Up

$407,807,880

Up $11,866,546 (+3.0%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$21,542,846

Up $553,682 (+2.6%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth31st percentile

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

$1.5B$1.0B$500M$0Assets 2010: $436,146,349Liabilities 2010: $397,209,434Net Assets 2010: $38,936,9152010Assets 2011: $437,165,945Liabilities 2011: $395,941,334Net Assets 2011: $41,224,6112011Assets 2012: $452,822,858Liabilities 2012: $407,807,880Net Assets 2012: $45,014,9782012Assets 2013: $459,847,611Liabilities 2013: $411,872,633Net Assets 2013: $47,974,9782013Assets 2015: $545,846,879Liabilities 2015: $492,739,921Net Assets 2015: $53,106,9582015Assets 2016: $581,503,822Liabilities 2016: $521,574,806Net Assets 2016: $59,929,0162016Assets 2017: $653,229,100Liabilities 2017: $585,969,653Net Assets 2017: $67,259,4472017Assets 2018: $717,178,979Liabilities 2018: $646,547,006Net Assets 2018: $70,631,9732018Assets 2019: $806,652,253Liabilities 2019: $730,015,197Net Assets 2019: $76,637,0562019Assets 2020: $954,829,688Liabilities 2020: $871,020,976Net Assets 2020: $83,808,7122020Assets 2021: $1,061,532,656Liabilities 2021: $971,145,232Net Assets 2021: $90,387,4242021Assets 2022: $1,031,061,735Liabilities 2022: $959,287,579Net Assets 2022: $71,774,1562022Assets 2023: $1,054,150,884Liabilities 2023: $988,955,075Net Assets 2023: $65,195,8092023Assets 2024: $1,104,791,586Liabilities 2024: $1,045,957,287Net Assets 2024: $58,834,2992024

Highlighted filing

2012

Assets$452,822,858
Liabilities$407,807,880
Net Assets$45,014,978
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$80M$60M$40M$20M$0-$20MExpenses 2010: $21,486,0242010Expenses 2011: $20,989,1642011Expenses 2012: $21,542,8462012Revenue 2013: $25,118,147Expenses 2013: $22,113,561Net Income 2013: $3,004,5862013Revenue 2015: $26,721,157Expenses 2015: $24,507,554Net Income 2015: $2,213,6032015Revenue 2016: $31,176,365Expenses 2016: $25,066,279Net Income 2016: $6,110,0862016Revenue 2017: $33,050,034Expenses 2017: $29,593,200Net Income 2017: $3,456,8342017Revenue 2018: $41,594,596Expenses 2018: $38,930,419Net Income 2018: $2,664,1772018Revenue 2019: $47,037,308Expenses 2019: $42,038,979Net Income 2019: $4,998,3292019Revenue 2020: $50,170,904Expenses 2020: $43,350,139Net Income 2020: $6,820,7652020Revenue 2021: $50,336,419Expenses 2021: $40,577,326Net Income 2021: $9,759,0932021Revenue 2022: $47,909,169Expenses 2022: $42,724,534Net Income 2022: $5,184,6352022Revenue 2023: $47,308,712Expenses 2023: $51,963,140Net Income 2023: -$4,654,4282023Revenue 2024: $62,580,005Expenses 2024: $69,202,311Net Income 2024: -$6,622,3062024

Highlighted filing

2012

Revenue-
Expenses$21,542,846
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 5, 2013
Return Version
2012v2.1
Gross Receipts
$27,479,733
Mission and Program Overview

Mission

Working together to improve the economic well-being and quality of life for all members through excellent service.

Major Activities

Activity 2
Provided depository services to approximately 40,352 members.
Activity 3
Provided credit card services to approximately 10,414 members.
Filing and Contact Details

Filer

EIN
36-6068452
Raw XML AppendixShowing 400 of 763 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/SavingsAndTempCashInvestments/BOY092473554
IRS990/SavingsAndTempCashInvestments/EOY062513057
IRS990/ScheduleBRequired00
IRS990ScheduleD/Buildings/BookValue012878361
IRS990ScheduleD/Buildings/Depreciation03104320
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis015982681
IRS990ScheduleD/Equipment/BookValue02138729
IRS990ScheduleD/Equipment/Depreciation04638229
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis06776958
IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION IS EXEMPT FROM INCOME TAXES UNDER PROVISIONS OF THE INTERNAL REVENUE CODE AND STATES OF ILLINOIS AND IOWA TAX LAWS. MANAGEMENT HAS EVALUATED THE CREDIT UNION'S TAX POSITIONS AND CONCLUDED THAT THEY HAVE TAKEN NO UNCERTAIN TAX POSITIONS THAT WOULD REQUIRE ADJUSTMENTS TO THE FINANCIAL STATEMENTS. GENERALLY, THE CREDIT UNION IS NO LONGER SUBJECT TO U.S. FEDERAL OR STATE AND LOCAL INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR YEARS BEFORE 2009. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DESCRIBED IN INTERNAL REVENUE CODE ("IRC") SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AN ISSUE FOR MANY YEARS. IN 2007, THE INTERNAL REVENUE SERVICE ("IRS") ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. ALTHOUGH THESE TAMS HAVE NO PRECEDENTIAL VALUE, THEY SET FORTH THE IRS' POSITION THAT CERTAIN SOURCES OF INCOME ARE NOT RELATED TO THE EXEMPT PURPOSE OF A STATE-CHARTERED CREDIT UNION AND ARE SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). HOWEVER, COURT CASES HAVE RULED IN FAVOR OF CREDIT UNIONS AND CONCLUDED THAT THE SALE OF INSURANCE PRODUCTS AND THE SALE OF FINANCIAL PRODUCTS AND SERVICES TO MEMBERS ARE EXEMPT FROM UNRELATED BUSINESS INCOME TAX. IN LIGHT OF THE TAMS AND COURT CASES, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL CONDITION OR RESULTS OF OPERATION. THE CREDIT UNION FILED AN INCOME TAX RETURN FOR ITS UNRELATED BUSINESS INCOME BEGINNING WITH TAX YEAR ENDED DECEMBER 31, 2009. HOWEVER, THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. VARIOUS LEGAL CLAIMS ALSO ARISE FROM TIME TO TIME IN THE NORMAL COURSE OF BUSINESS WHICH, IN THE OPINION OF MANAGEMENT, WILL HAVE NO MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL STATEMENTS.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0PART X, LINE 2:
IRS990ScheduleD/Land/BookValue03120959
IRS990ScheduleD/Land/OtherCostOrOtherBasis03120959
IRS990ScheduleD/OtherLandBuildings/BookValue0342814
IRS990ScheduleD/OtherLandBuildings/Depreciation0315322
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis0658136
IRS990ScheduleD/OtherLiabilities/Amount0406350797
IRS990ScheduleD/OtherLiabilities/Amount1-4844518
IRS990ScheduleD/OtherLiabilities/Description0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilities/Description1EFTS
IRS990ScheduleD/TotalOfAmounts0401506279
IRS990ScheduleD/TotalOfBookValueLandBuildings018480863
IRS990ScheduleI/Form990ScheduleIPartIV/Explanation0SCHEDULE I, PART I, LINE 2: THE ORGANIZATION ISSUES ALL FUNDS DIRECTLY TO THE RECIPIENT ORGANIZATION FOR USE AT THEIR DISCRETION OR TO THE APPLICABLE EDUCATIONAL INSTITUTION FOR APPLICATION TO THE STUDENT'S ACCOUNT.
IRS990ScheduleI/Form990ScheduleIPartIV/Identifier0PROCEDURE FOR MONITORING GRANTS IN THE U.S.:
IRS990ScheduleI/Form990ScheduleIPartIV/ReturnReference0PART I, LINE 2:
IRS990ScheduleI/RecipientTable/AddressUS/AddressLine101523 8TH STREET
IRS990ScheduleI/RecipientTable/AddressUS/AddressLine113247 EAST 35TH STREET COURT
IRS990ScheduleI/RecipientTable/AddressUS/City0EAST MOLINE
IRS990ScheduleI/RecipientTable/AddressUS/City1DAVENPORT
IRS990ScheduleI/RecipientTable/AddressUS/State0IL
IRS990ScheduleI/RecipientTable/AddressUS/State1IA
IRS990ScheduleI/RecipientTable/AddressUS/ZIPCode061244
IRS990ScheduleI/RecipientTable/AddressUS/ZIPCode152807
IRS990ScheduleI/RecipientTable/AmountOfCashGrant05000
IRS990ScheduleI/RecipientTable/AmountOfCashGrant111533
IRS990ScheduleI/RecipientTable/EINOfRecipient0363815927
IRS990ScheduleI/RecipientTable/EINOfRecipient1362725960
IRS990ScheduleI/RecipientTable/IRCSection0501(C)(3)
IRS990ScheduleI/RecipientTable/IRCSection1501(C)(3)

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
$452,822,858
Liabilities
$407,807,880
Net assets
$45,014,978
Revenue
-
Expenses
$21,542,846
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,105$1,046$58.8$62.6$69.2$6.62
2023Detailed filing. Detailed filing data is available for this year.$1,054$989$65.2$47.3$52.0$4.65
2022Detailed filing. Detailed filing data is available for this year.$1,031$959$71.8$47.9$42.7$5.18
2021Detailed filing. Detailed filing data is available for this year.$1,062$971$90.4$50.3$40.6$9.76
2020Detailed filing. Detailed filing data is available for this year.$955$871$83.8$50.2$43.4$6.82
2019Detailed filing. Detailed filing data is available for this year.$807$730$76.6$47.0$42.0$5.00
2018Detailed filing. Detailed filing data is available for this year.$717$647$70.6$41.6$38.9$2.66
2017Detailed filing. Detailed filing data is available for this year.$653$586$67.3$33.1$29.6$3.46
2016Detailed filing. Detailed filing data is available for this year.$582$522$59.9$31.2$25.1$6.11
2015Detailed filing. Detailed filing data is available for this year.$546$493$53.1$26.7$24.5$2.21
2013Detailed filing. Detailed filing data is available for this year.$460$412$48.0$25.1$22.1$3.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$453$408$45.0$21.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$437$396$41.2$21.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$436$397$38.9$21.5