Civic Intelligence

Unknown Organization

EIN 38-0822073 • 501(c)14 • Wyandotte, MI

View Organization Page

Profile

Diversified in membership, united in service.

1280 Biddle AveWyandotte, MI 48192

www.nupathcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

58th percentile

0.90x

Higher debt load relative to assets than 58% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

92nd percentile

20.61x

Higher debt load relative to revenue than 92% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

8th percentile

-1.0%

Higher net margin than 8% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

4th percentile

$117,958

Higher top officer pay than 4% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

96th percentile

13%

Faster asset growth than 96% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

21st percentile

6.4%

Faster revenue growth than 21% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$104,188,955

Up $11,676,503 (+13%) from 2013

Liabilities

Up

$93,652,292

Up $9,762,556 (+12%) from 2013

Net Assets

Up

$10,536,663

Up $1,913,947 (+22%) from 2013

Operations
Liabilities / Revenue92nd percentileNet Margin8th percentile

Revenue

Up

$4,543,243

Up $275,119 (+6.4%) from 2013

Expenses

Up

$4,587,441

Up $444,540 (+11%) from 2013

Net Income

Down

-$44,198

Down $169,421 (-135%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth96th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150M$100M$50M$0Assets 2013: $92,512,452Liabilities 2013: $83,889,736Net Assets 2013: $8,622,7162013Assets 2014: $104,188,955Liabilities 2014: $93,652,292Net Assets 2014: $10,536,6632014

Highlighted filing

2014

Assets$104,188,955
Liabilities$93,652,292
Net Assets$10,536,663
Open 2014 Filing

Operations Trend

Revenue Growth21st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2013: $4,268,124Expenses 2013: $4,142,901Net Income 2013: $125,2232013Revenue 2014: $4,543,243Expenses 2014: $4,587,441Net Income 2014: -$44,1982014

Highlighted filing

2014

Revenue$4,543,243
Expenses$4,587,441
Net Income-$44,198
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$104,188,955
Liabilities
$93,652,292
Net assets
$10,536,663
Revenue
$4,543,243
Expenses
$4,587,441
Net income
-$44,198
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$104$93.7$10.5$4.54$4.59$0.04
2013Detailed filing. Detailed filing data is available for this year.$92.5$83.9$8.62$4.27$4.14$0.13
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 14, 2015
Return Version
2014v5.0
Gross Receipts
$5,087,643
Mission and Program Overview

Mission

Diversified in membership, united in service.

Diversified in membership and united in service. Servicing members in wayne, monroe, ottawa, kent, and allegan counties with a full array of financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$49,968,024$56,213,466▲ $6,245,442
Other Notes and Loans Receivable, Net$37,504,378$42,314,914▲ $4,810,536
Rtn Earn Endowment Incm Other Fnds$8,622,716$10,536,663▲ $1,913,947
Cash and Non-Interest-Bearing Accounts$1,165,808$1,761,857▲ $596,049
Land, Buildings, and Equipment, Net$1,599,167$1,697,023▲ $97,856
Prepaid Expenses and Deferred Charges$173,863$199,512▲ $25,649
Savings and Temporary Cash Investments$1,959$4,780▲ $2,821
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$92,512,452$104,188,955▲ $11,676,503
Other Assets Total$2,099,253$1,997,403▼ $101,850
Liabilities
Other Liabilities$83,742,958$93,400,376▲ $9,657,418
Accounts Payable and Accrued Expenses$146,778$251,916▲ $105,138
Total Liabilities$83,889,736$93,652,292▲ $9,762,556
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,622,716$10,536,663▲ $1,913,947
Total Liabilities and Net Assets / Fund Balance$92,512,452$104,188,955▲ $11,676,503

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,005,794$1,670,333$2,676,127
Equipment$269,241$1,602,337$1,871,578
Land$384,270-$384,270
Leasehold Improvements$37,718$108,007$145,725
Other Securities$44,248--
Compensation and Service Providers
Top Officer Pay4th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kathryn WhitePresident/CEOFT$109,858$8,100$117,958
Jan VanwassehnoveEvpFT$71,373$22,408$93,781

Board Members and Trustees

NameTitle
Tina SniderBoard Chairwoman
Jack MilesBoard Vice Chair
Michael PaschkeBoard
Michael SadowskiBoard
Nova SchleicherBoard
Timothy CrossonBoard
Drew TorresBoard (left 06/2014)
James TaftBoard Secretary
Ronald KorowinBoard Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Member Driven TechnologyCore Processor7415 CHICAGO ROAD, Warren, MI 48092$315,824
Resources Global ProfessionalsConsultingFILE 55221, Los Angeles, CA 90074$287,492
Cu Cooperative SystemsAtm/debit Processor9692 HAVEN AVE, Rancho Cucamonga, CA 91730$205,063
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,645,014
Investment Income
$745,825
Other Revenue
$152,404
Change in Net Assets
$-44,198
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,858,187
Salaries, Compensation, and Employee Benefits$1,729,254
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,267,634
Fees for Services Accounting---$515,023
All Other Expenses---$373,531
Other Employee Benefits---$258,932
Current Officers, Directors, Trustees, and Key Employees---$211,739
Other Expenses---$202,844
Occupancy---$166,534
Office Expenses---$160,615
Payroll Taxes---$133,789
Depreciation Depletion---$133,773
Advertising---$121,465
Insurance---$44,224
Information Technology---$42,445
Travel---$36,896
Fees for Services Legal---$27,918
Interest---$7,353
Conferences and Meetings---$5,099
Pension Plan Contributions---$-142,840
Total Functional Expenses$0$0$0$4,587,441
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$93,529,971
Fasb 106 Benefit Obligation$-129,595
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Anyone that has an account at the credit union is also a member.”

Form 990, Part VI, Section A, Line 7A

“Members are able to vote for their governing body.”

Form 990, Part VI, Section B, Line 11

“Form 990 is available to the governing body for review upon request. The president/ceo reviews the form 990 prior to filing.”

Form 990, Part VI, Section B, Line 12C

“Company policies are reviewed annually.”

Form 990, Part VI, Section B, Line 15

“The salary survey produced by industry standards is reviewed and we look at credit unions in our area, of comparable size and membership.”

Form 990, Part VI, Section C, Line 19

“The credit union makes its' financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Nupath Community Credit Union
EIN
38-0822073
Phone
7342829200
Address
1280 BIDDLE AVE, WYANDOTTE, MI 48192

Signing Officer

Name
Kathryn L White
Title
President/CEO
Phone
7342829200
Signed
2015-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kathryn L White
Formed
1938
Legal Domicile
Mi
Voting Board Members
8
Independent Board Members
8
Employees
57
Volunteers
8

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Joseph Zito CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in post retirement benefits 4,252. Change in defined benefit plan -130,831. Equity from merger 2,047,194.”

FORM 990, PART XI, LINE 2B:

“Audited financial statements are done on a fiscal year-end and tax reporting is required on a calendar year-end.”

Raw XML AppendixShowing 400 of 450 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.

Path#Value
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IRS990/OtherExpensesGrp/TotalAmt0430578
IRS990/OtherExpensesGrp/TotalAmt1377670
IRS990/OtherExpensesGrp/TotalAmt2212219
IRS990/OtherExpensesGrp/TotalAmt3202844
IRS990/OtherLiabilitiesGrp/BOYAmt083742958
IRS990/OtherLiabilitiesGrp/EOYAmt093400376
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2524298
IRS990/OtherRevenueMiscGrp/Desc0OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/Desc1BARGAIN PURCHASE ON BU
IRS990/OtherRevenueMiscGrp/Desc2INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt076198
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt130692
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt076198
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt130692
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt230311
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt030311
IRS990/OtherRevenueTotalAmt0152404
IRS990/OtherSalariesAndWagesGrp/TotalAmt01267634
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt037504378
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt042314914
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0133789
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0-142840
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0173863
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0199512
IRS990/PrincipalOfficerNm0KATHRYN L WHITE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02391263
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11253751
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02391263
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11253751
IRS990/ProgSrvcAccomActy2Grp/Desc0SAVINGS AND LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0ONLINE BILL PAY.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0490169
IRS990/PYOtherExpensesAmt02639728
IRS990/PYOtherRevenueAmt0193551
IRS990/PYProgramServiceRevenueAmt03584404
IRS990/PYRevenuesLessExpensesAmt0125223
IRS990/PYSalariesCompEmpBnftPaidAmt01503173
IRS990/PYTotalExpensesAmt04142901
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04268124
IRS990/ReconcilationRevenueExpnssAmt0-44198
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08622716
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010536663
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01959
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04780
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01005794
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01670333
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02676127
IRS990ScheduleD/EquipmentGrp/BookValueAmt0269241
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01602337
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01871578
IRS990ScheduleD/LandGrp/BookValueAmt0384270
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0384270
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt037718
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0108007
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0145725
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt093529971
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1-129595
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1FASB 106 BENEFIT OBLIGATION
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0874381
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt12341
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt25989322
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3503200
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt418884000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt566219
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt624938283
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt74911472
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt844248
IRS990ScheduleD/OtherSecuritiesGrp/Desc0NCUSIF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CUSO'S
IRS990ScheduleD/OtherSecuritiesGrp/Desc2SETTLEMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3PERPETUAL CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc4CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/Desc5AVAILABLE FOR SALE
IRS990ScheduleD/OtherSecuritiesGrp/Desc6AVAILABLE FOR SALE
IRS990ScheduleD/OtherSecuritiesGrp/Desc7SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc8CENTRAL LIQUIDITY FUNDS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd6F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd7F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd8C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01697023
IRS990ScheduleD/TotalBookValueSecuritiesAmt056213466
IRS990ScheduleD/TotalLiabilityAmt093400376
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ANYONE THAT HAS AN ACCOUNT AT THE CREDIT UNION IS ALSO A MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ARE ABLE TO VOTE FOR THEIR GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 IS AVAILABLE TO THE GOVERNING BODY FOR REVIEW UPON REQUEST. THE PRESIDENT/CEO REVIEWS THE FORM 990 PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMPANY POLICIES ARE REVIEWED ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE SALARY SURVEY PRODUCED BY INDUSTRY STANDARDS IS REVIEWED AND WE LOOK AT CREDIT UNIONS IN OUR AREA, OF COMPARABLE SIZE AND MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION MAKES ITS' FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CHANGE IN POST RETIREMENT BENEFITS 4,252. CHANGE IN DEFINED BENEFIT PLAN -130,831. EQUITY FROM MERGER 2,047,194.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7AUDITED FINANCIAL STATEMENTS ARE DONE ON A FISCAL YEAR-END AND TAX REPORTING IS REQUIRED ON A CALENDAR YEAR-END.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 2B:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt092512452
IRS990/TotalAssetsEOYAmt0104188955
IRS990/TotalAssetsGrp/BOYAmt092512452
IRS990/TotalAssetsGrp/EOYAmt0104188955
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt057
IRS990/TotalFunctionalExpensesGrp/TotalAmt04587441
IRS990/TotalGrossUBIAmt045514
IRS990/TotalLiabilitiesBOYAmt083889736
IRS990/TotalLiabilitiesEOYAmt093652292
IRS990/TotalLiabilitiesGrp/BOYAmt083889736
IRS990/TotalLiabilitiesGrp/EOYAmt093652292
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08622716
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt010536663

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