Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2012 • EIN 38-0703992

Jan 01, 2012 to Dec 31, 2012 • Filed on Aug 20, 2013

Organization Profilewww.arborfcu.org

View Organization Page

1551 South 9th Street49009-9327
Siviq Scores

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

Liabilities / Assets

62nd percentile

0.91x

Higher debt load relative to assets than 62% 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

61st percentile

7.0%

Faster asset growth than 61% 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 / Assets62nd percentile

Assets

Up

$381,686,946

Up $24,905,288 (+7.0%) from 2011

Net Assets

Up

$35,898,080

Up $2,477,843 (+7.4%) from 2011

Liabilities

Up

$345,788,866

Up $22,427,445 (+6.9%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$19,372,631

Up $701,291 (+3.8%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth61st percentile

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

$1.0B$500M$0Assets 2010: $341,207,840Liabilities 2010: $310,323,833Net Assets 2010: $30,884,0072010Assets 2011: $356,781,658Liabilities 2011: $323,361,421Net Assets 2011: $33,420,2372011Assets 2012: $381,686,946Liabilities 2012: $345,788,866Net Assets 2012: $35,898,0802012Assets 2013: $399,969,340Liabilities 2013: $363,357,219Net Assets 2013: $36,612,1212013Assets 2014: $409,914,994Liabilities 2014: $370,538,237Net Assets 2014: $39,376,7572014Assets 2015: $428,500,083Liabilities 2015: $387,781,027Net Assets 2015: $40,719,0562015Assets 2016: $479,181,965Liabilities 2016: $435,489,370Net Assets 2016: $43,692,5952016Assets 2017: $523,721,267Liabilities 2017: $475,642,572Net Assets 2017: $48,078,6952017Assets 2018: $573,422,495Liabilities 2018: $519,302,424Net Assets 2018: $54,120,0712018Assets 2019: $655,512,242Liabilities 2019: $595,318,353Net Assets 2019: $60,193,8892019Assets 2020: $813,637,097Liabilities 2020: $748,514,447Net Assets 2020: $65,122,6502020Assets 2021: $829,123,274Liabilities 2021: $762,601,238Net Assets 2021: $66,522,0362021Assets 2022: $882,512,715Liabilities 2022: $826,775,679Net Assets 2022: $55,737,0362022Assets 2023: $969,394,713Liabilities 2023: $911,404,946Net Assets 2023: $57,989,7672023Assets 2024: $903,389,090Liabilities 2024: $837,826,457Net Assets 2024: $65,562,6332024

Highlighted filing

2012

Assets$381,686,946
Liabilities$345,788,866
Net Assets$35,898,080
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$60M$40M$20M$0Expenses 2010: $19,125,8412010Expenses 2011: $18,671,3402011Expenses 2012: $19,372,6312012Revenue 2013: $20,751,000Expenses 2013: $19,064,257Net Income 2013: $1,686,7432013Revenue 2014: $22,123,436Expenses 2014: $20,036,727Net Income 2014: $2,086,7092014Revenue 2015: $22,605,061Expenses 2015: $20,640,559Net Income 2015: $1,964,5022015Revenue 2016: $25,203,596Expenses 2016: $22,035,832Net Income 2016: $3,167,7642016Revenue 2017: $27,746,122Expenses 2017: $23,405,127Net Income 2017: $4,340,9952017Revenue 2018: $32,620,125Expenses 2018: $26,784,115Net Income 2018: $5,836,0102018Revenue 2019: $40,476,172Expenses 2019: $34,727,324Net Income 2019: $5,748,8482019Revenue 2020: $43,485,334Expenses 2020: $38,767,838Net Income 2020: $4,717,4962020Revenue 2021: $44,270,339Expenses 2021: $39,623,634Net Income 2021: $4,646,7052021Revenue 2022: $42,599,576Expenses 2022: $36,827,505Net Income 2022: $5,772,0712022Revenue 2023: $50,193,452Expenses 2023: $45,206,444Net Income 2023: $4,987,0082023Revenue 2024: $57,858,397Expenses 2024: $51,507,065Net Income 2024: $6,351,3322024

Highlighted filing

2012

Revenue-
Expenses$19,372,631
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Aug 20, 2013
Return Version
2012v2.1
Gross Receipts
$83,782,989
Mission and Program Overview

Mission

The credit union's operations include holding deposits for and making loans to individuals who work or reside in the state of michigan.

Major Activities

Activity 2
MONEY MARKET ACCOUNTS
Activity 3
SAVINGS ACCOUNTS
Filing and Contact Details

Filer

EIN
38-0703992
Raw XML AppendixShowing 400 of 500 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/Activity3/Description0SAVINGS ACCOUNTS
IRS990/ActivityOrMissionDescription0THE CREDIT UNION'S OPERATIONS INCLUDE HOLDING DEPOSITS FOR AND MAKING LOANS TO INDIVIDUALS WHO WORK OR RESIDE WITHIN A SPECIFIC AREA AND GROUP IN THE STATE OF MICHIGAN.
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IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation0CHARLES CORNELIUS PARTICPATES IN A SECTION 457(F) PLAN. HE DID NOT RECEIVE ANY PAYMENTS FROM THIS PLAN IN 2012.
IRS990ScheduleJ/Form990ScheduleJPartIII/ReturnReference0PART I, LINE 4B
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0RICHARD BONDY
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson1CHARLES CORNELIUS
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson2EARLE SHELNER
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg018602
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg120212
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg221166
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg02554
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg113140
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg2220
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/Title0VP LOANS
IRS990ScheduleJ/Form990ScheduleJPartII/Title1PRESIDENT/CEO
IRS990ScheduleJ/Form990ScheduleJPartII/Title2VP FINANCE
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0156970
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg1368542
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg2165376
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs20
IRS990ScheduleJ/IndependentConsultant0X
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SubstantiationRequired01
IRS990ScheduleJ/SupplementalNonqualRetirePlan01
IRS990ScheduleJ/TravelForCompanions0X
IRS990ScheduleJ/WrittenEmploymentContract0X
IRS990ScheduleJ/WrittenPolicyReTAndEExpenses01
IRS990ScheduleO/GeneralExplanation/Explanation0IDENTITY THEFT PROTECTION SERVICES FOR MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1EVERY INDIVIDUAL THAT HAS AN ACCOUNT WITH THE CREDIT UNION IS CONSIDERED A MEMBER.

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
$381,686,946
Liabilities
$345,788,866
Net assets
$35,898,080
Revenue
-
Expenses
$19,372,631
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$903$838$65.6$57.9$51.5$6.35
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$969$911$58.0$50.2$45.2$4.99
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$883$827$55.7$42.6$36.8$5.77
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$829$763$66.5$44.3$39.6$4.65
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$814$749$65.1$43.5$38.8$4.72
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$656$595$60.2$40.5$34.7$5.75
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$573$519$54.1$32.6$26.8$5.84
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$524$476$48.1$27.7$23.4$4.34
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$479$435$43.7$25.2$22.0$3.17
2015Summary only. Only limited summary data is available for this year.$429$388$40.7$22.6$20.6$1.96
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$410$371$39.4$22.1$20.0$2.09
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$400$363$36.6$20.8$19.1$1.69
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$382$346$35.9$19.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$357$323$33.4$18.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$341$310$30.9$19.1