Civic Intelligence

Cooperative Choice Network Credit Union

990 • Fiscal year 2012 • EIN 37-0216685

Jan 01, 2012 to Dec 31, 2012 • Filed on Jul 22, 2013

Organization ProfileWWW.CCNCU.COM

View Organization Page

3919 N University Street61614
Siviq Scores

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

Liabilities / Assets

24th percentile

0.87x

Higher debt load relative to assets than 24% 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

24th percentile

1.9%

Faster asset growth than 24% 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 / Assets24th percentile

Assets

Up

$112,553,832

Up $2,045,923 (+1.9%) from 2011

Net Assets

Up

$14,611,422

Up $342,033 (+2.4%) from 2011

Liabilities

Up

$97,942,410

Up $1,703,890 (+1.8%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$3,849,555

Down $439,104 (-10%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth24th percentile

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

$200M$150M$100M$50M$0Assets 2010: $106,916,248Liabilities 2010: $93,161,916Net Assets 2010: $13,754,3322010Assets 2011: $110,507,909Liabilities 2011: $96,238,520Net Assets 2011: $14,269,3892011Assets 2012: $112,553,832Liabilities 2012: $97,942,410Net Assets 2012: $14,611,4222012Assets 2013: $115,753,840Liabilities 2013: $100,599,348Net Assets 2013: $15,154,4922013Assets 2014: $114,477,043Liabilities 2014: $98,931,548Net Assets 2014: $15,545,4952014Assets 2015: $113,109,450Liabilities 2015: $97,171,735Net Assets 2015: $15,937,7152015Assets 2016: $114,460,801Liabilities 2016: $98,054,956Net Assets 2016: $16,405,8452016Assets 2018: $121,706,317Liabilities 2018: $103,060,570Net Assets 2018: $18,645,7472018Assets 2019: $123,778,802Liabilities 2019: $104,814,380Net Assets 2019: $18,964,4222019Assets 2020: $153,687,813Liabilities 2020: $133,339,674Net Assets 2020: $20,348,1392020Assets 2021: $169,089,377Liabilities 2021: $148,069,991Net Assets 2021: $21,019,3862021Assets 2022: $176,449,588Liabilities 2022: $156,492,839Net Assets 2022: $19,956,7492022Assets 2023: $173,821,450Liabilities 2023: $153,486,610Net Assets 2023: $20,334,8402023Assets 2024: $195,712,255Liabilities 2024: $171,651,677Net Assets 2024: $24,060,5782024

Highlighted filing

2012

Assets$112,553,832
Liabilities$97,942,410
Net Assets$14,611,422
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$10M$5.0M$0-$5.0MExpenses 2010: $5,070,3482010Expenses 2011: $4,288,6592011Expenses 2012: $3,849,5552012Revenue 2013: $4,354,128Expenses 2013: $3,754,287Net Income 2013: $599,8412013Revenue 2014: $4,224,973Expenses 2014: $3,807,884Net Income 2014: $417,0892014Revenue 2015: $4,408,600Expenses 2015: $3,985,342Net Income 2015: $423,2582015Revenue 2016: $4,632,910Expenses 2016: $4,124,552Net Income 2016: $508,3582016Revenue 2018: $5,796,615Expenses 2018: $5,255,452Net Income 2018: $541,1632018Revenue 2019: $5,862,724Expenses 2019: $5,579,194Net Income 2019: $283,5302019Revenue 2020: $5,576,450Expenses 2020: $5,706,311Net Income 2020: -$129,8612020Revenue 2021: $6,211,343Expenses 2021: $5,330,902Net Income 2021: $880,4412021Revenue 2022: $6,257,401Expenses 2022: $5,768,337Net Income 2022: $489,0642022Revenue 2023: $7,257,830Expenses 2023: $7,221,170Net Income 2023: $36,6602023Revenue 2024: $8,691,075Expenses 2024: $8,505,156Net Income 2024: $185,9192024

Highlighted filing

2012

Revenue-
Expenses$3,849,555
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Jul 22, 2013
Return Version
2012v2.0
Gross Receipts
$4,304,678
Mission and Program Overview

Mission

Focus on personal attention to achieve the financial needs of each member and allow them to achieve their financial goals.

Filing and Contact Details

Filer

EIN
37-0216685
Raw XML AppendixShowing 400 of 546 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/SupplementalNonqualRetirePlan0false
IRS990ScheduleO/GeneralExplanation/Explanation0LOSSES ON POSTRETIREMENT BENEFIT OBLIGATIONS = -$10930
IRS990ScheduleO/GeneralExplanation/Explanation1WEBSITE/NETWORK ADM: Column (A) - Total = $13434; Column (B) - Program Services = $13434; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation2REPAIRS AND MAINTENANCE: Column (A) - Total = $115303; Column (B) - Program Services = $115303; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation3PROMOTION: Column (A) - Total = $43058; Column (B) - Program Services = $43058; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation4Postage and Shipping: Column (A) - Total = $27762; Column (B) - Program Services = $27762; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation5OVERDRAFT/CARD LOSSES: Column (A) - Total = $8919; Column (B) - Program Services = $8919; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation6NCUSIF STABILIZATION EXPENSE: Column (A) - Total = $91729; Column (B) - Program Services = $91729; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation7MISCELLANEOUS: Column (A) - Total = $118888; Column (B) - Program Services = $118888; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation8LIFE SAVINGS INSURANCE: Column (A) - Total = $1068; Column (B) - Program Services = $1068; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation9IRA PROCESSING: Column (A) - Total = $7386; Column (B) - Program Services = $7386; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation10CURRENCY DELIVERY EXPENSE: Column (A) - Total = $16438; Column (B) - Program Services = $16438; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation11CREDIT REPORTS: Column (A) - Total = $21695; Column (B) - Program Services = $21695; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation12CONTRIBUTION: Column (A) - Total = $18370; Column (B) - Program Services = $18370; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation13COLLECTION EXPENSES: Column (A) - Total = $24547; Column (B) - Program Services = $24547; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation14BORROWERS INSURANCE: Column (A) - Total = $23380; Column (B) - Program Services = $23380; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation15BOND INSURANCE: Column (A) - Total = $40196; Column (B) - Program Services = $40196; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation16BANK FEES: Column (A) - Total = $33174; Column (B) - Program Services = $33174; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation17ATM PROCESSING: Column (A) - Total = $73641; Column (B) - Program Services = $73641; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation18ASSOCIATION DUES: Column (A) - Total = $26170; Column (B) - Program Services = $26170; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation19ANNUAL MEETING EXPENSE: Column (A) - Total = $2607; Column (B) - Program Services = $2607; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation20: Column (A) - Total = $0; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation21AVAILABLE UPON REQUEST
IRS990ScheduleO/GeneralExplanation/Explanation22SEVERAL SOURCES ARE USED FOR DETERMINING COMPENSATION SUCH AS CUES SURVEY AND COMPEASE SALARY ADMINISTRATION PROGRAM. COMPENSATION IS REVIEWED AND APPROVED ANNUALLY BY THE PERSONNEL COMMITTEE WHICH IS MADE UP OF CHAIRMAN OF THE BOARD, SUPERVISORY COMMITTEE, SECRETARY AND TWO OTHER BOARD MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation23BOARD AND ANY MANAGEMENT LEVEL EMPLOYEE MAKING DECISIONS (CEO & EVP) COMPLETE CONFLICT OF INTEREST STATEMENTS. COMPLIANCE OFFICER REVIEWS WITH THE SUPERVISORY COMMITTEE AND/OR EXECUTIVE COMMITTEE. IF CONFLICT EXISTS, THE PERSON WOULD NOT PARTICIPATE IN DELIBERATIONS OR DECISIONS IN TRANSACTIONS, ETC.

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
$112,553,832
Liabilities
$97,942,410
Net assets
$14,611,422
Revenue
-
Expenses
$3,849,555
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$196$172$24.1$8.69$8.51$0.19
2023Detailed filing. Detailed filing data is available for this year.$174$153$20.3$7.26$7.22$0.04
2022Detailed filing. Detailed filing data is available for this year.$176$156$20.0$6.26$5.77$0.49
2021Detailed filing. Detailed filing data is available for this year.$169$148$21.0$6.21$5.33$0.88
2020Detailed filing. Detailed filing data is available for this year.$154$133$20.3$5.58$5.71$0.13
2019Detailed filing. Detailed filing data is available for this year.$124$105$19.0$5.86$5.58$0.28
2018Detailed filing. Detailed filing data is available for this year.$122$103$18.6$5.80$5.26$0.54
2016Detailed filing. Detailed filing data is available for this year.$114$98.1$16.4$4.63$4.12$0.51
2015Detailed filing. Detailed filing data is available for this year.$113$97.2$15.9$4.41$3.99$0.42
2014Detailed filing. Detailed filing data is available for this year.$114$98.9$15.5$4.22$3.81$0.42
2013Detailed filing. Detailed filing data is available for this year.$116$101$15.2$4.35$3.75$0.60
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$113$97.9$14.6$3.85
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$111$96.2$14.3$4.29
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$107$93.2$13.8$5.07
Peer Organizations

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