Civic Intelligence

Great River Community Credit Union

990 • Fiscal year 2012 • EIN 37-0804631

Jan 01, 2012 to Dec 31, 2012 • Filed on May 08, 2013

Organization ProfileGREATRIVERCU.COM

View Organization Page

1426 N 26th St PO Box 354362305
Siviq Scores

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

Liabilities / Assets

24th percentile

0.82x

Higher debt load relative to assets than 24% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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

77th percentile

7.7%

Faster asset growth than 77% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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

$18,742,102

Up $2,330,829 (+14%) from 2010

Net Assets

Up

$3,427,624

Up $65,446 (+1.9%) from 2010

Liabilities

Up

$15,314,478

Up $2,265,383 (+17%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$801,387

Down $78,938 (-9.0%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth77th percentile

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

$30M$20M$10M$0Assets 2010: $16,411,273Liabilities 2010: $13,049,095Net Assets 2010: $3,362,1782010Assets 2012: $18,742,102Liabilities 2012: $15,314,478Net Assets 2012: $3,427,6242012Assets 2013: $19,798,625Liabilities 2013: $16,339,808Net Assets 2013: $3,458,8172013Assets 2014: $20,375,183Liabilities 2014: $16,919,415Net Assets 2014: $3,455,7682014Assets 2015: $20,720,423Liabilities 2015: $17,302,607Net Assets 2015: $3,417,8162015

Highlighted filing

2012

Assets$18,742,102
Liabilities$15,314,478
Net Assets$3,427,624
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0-$500KExpenses 2010: $880,3252010Expenses 2012: $801,3872012Revenue 2013: $841,626Expenses 2013: $810,433Net Income 2013: $31,1932013Revenue 2014: $869,741Expenses 2014: $872,790Net Income 2014: -$3,0492014Revenue 2015: $832,505Expenses 2015: $870,457Net Income 2015: -$37,9522015

Highlighted filing

2012

Revenue-
Expenses$801,387
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 8, 2013
Return Version
2012v2.1
Gross Receipts
$826,957
Mission and Program Overview

Mission

To provide high quality financial servics for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Filing and Contact Details

Filer

EIN
37-0804631
Raw XML AppendixShowing 400 of 430 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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IRS990ScheduleO/GeneralExplanation/Explanation0THE MEMBERS OF THE CREDIT UNION'S BOARD DONATE THEIR TIME TO SERVE ON THE BOARD. THE BOARD MEMBERS ATTEND MONTHLY MEETINGS AND PERFORM PROCEDURES TO CHECK DIFFERENT ASPECTS OF THE CREDIT UNION'S DAILY ACTIVITIES, IE INSPECT LOAN FILES, CHECK BANK RECONCILIATIONS, ETC.
IRS990ScheduleO/GeneralExplanation/Explanation1THE ORGANIZATION IS A MEMBER OWNED CREDIT UNION. THE MEMBERS HAVE AN ANNUAL MEETING AND THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP.
IRS990ScheduleO/GeneralExplanation/Explanation2THE ORGANIZATION IS A MEMBER OWNED CREDIT UNION. THE MEMBERS HAVE AN ANNUAL MEETING AND THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP.
IRS990ScheduleO/GeneralExplanation/Explanation3PRESIDENT/TREASURER MAKES THE ANNUAL RETURN AVAILABLE TO ALL BOARD MEMBERS TO REVIEW PRIOR TO FILING EACH YEAR. THE BOARD IS AWARE OF ALL FILING REQUIREMENTS AND ARE ACTIVE IN THE REVIEWING PROCESS.
IRS990ScheduleO/GeneralExplanation/Explanation4PERIODIC REVIEW OF RELATED PARTY ACCOUNTS IS PERFORMED BY SUPERVISORY PERSONNEL.
IRS990ScheduleO/GeneralExplanation/Explanation5THE COMPENSATION COMMITTEE UTILIZES INDUSTRY SPECIFIC SALARY SURVEYS, REVIEWS PERFORMANCE AND MAKES RECOMMENDATION TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation6THE MEMBERS CAN REQUEST TO SEE THE DOCUMENTS FROM THE PRESIDENT OF THE ORGANIZATION.
IRS990ScheduleO/GeneralExplanation/Explanation7OFFICE EXPENSE 23,199 0 0 DEBIT CARD EXPENSE 18,792 0 0 CREDIT CARD EXPENSE 17,557 0 0 NCUSIF SHARE INS EXP 14,655 0 0 INSURANCE/BOND 12,669 0 0 BANK SERVICE CHARGE 10,818 0 0 ASSOCIATION DUES 9,567 0 0 REAL ESTATE TAXES 8,093 0 0 DIV-IRA 7,762 0 0 COLLECTION EXPENSE 6,740 0 0 ADVERTISING & PROMOTION 6,722 0 0 COMMUNICATIONS-PHONE 6,721 0 0 ACH D/D CLEARING EXP 6,177 0 0 CREDIT REPORTING EXPENSE 5,524 0 0 DFI REGULATORY FEES 5,464 0 0 CERTIFICATE DIVIDENDS 5,288 0 0 MAINT OF FURN & FIXTURES 5,078 0 0 SCIP CLEARING EXP 3,014 0 0 COMMUNICATIONS-MAIL 2,933 0 0 MISC. OPERATING EXP 1,406 0 0 CREDIT UNION DAYS EXPENSE 1,133 0 0 DIV-READY CASH 433 0 0 DIV - CHRISTMAS SAV SH 191 0 0 ANNUAL MEETING 44 0 0 DIV-VACATION SHARES 17 0 0 CASH OVER / SHORT 12 0 0
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IRS990ScheduleO/GeneralExplanation/Identifier4ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier5COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier6GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
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IRS990/TotalNbrVolunteers011
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IRS990/TotalNetAssetsFundBalances/EOY03427624
IRS990/TotalOtherCompensation023373
IRS990/TotalOtherRevenue06392
IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome079046
IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn079046
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceExpense0801387
IRS990/TotalProgramServiceRevenue0735865
IRS990/TotalReportableCompFromOrg0137081
IRS990/TotalRevenueCurrentYear0826957
IRS990/TotalRevenue/ExclusionAmount084700
IRS990/TotalRevenuePriorYear0807776
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0742257
IRS990/TotalRevenue/TotalRevenueColumn0826957
IRS990/Travel/Total03524
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X

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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
$18,742,102
Liabilities
$15,314,478
Net assets
$3,427,624
Revenue
-
Expenses
$801,387
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$20.7$17.3$3.42$0.83$0.87$0.04
2014Detailed filing. Detailed filing data is available for this year.$20.4$16.9$3.46$0.87$0.87$0.00
2013Detailed filing. Detailed filing data is available for this year.$19.8$16.3$3.46$0.84$0.81$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.7$15.3$3.43$0.80
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.4$13.0$3.36$0.88