Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2011 • EIN 38-0996065

Jan 01, 2011 to Dec 31, 2011 • Filed on Jul 18, 2012

Organization ProfileWWW.WILDFIRECU.ORG

View Organization Page

6640 Bay Road48604
Siviq Scores

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

Liabilities / Assets

27th percentile

0.87x

Higher debt load relative to assets than 27% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

65th percentile

7.1%

Faster asset growth than 65% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets27th percentile

Assets

Up

$652,366,510

Up $43,137,863 (+7.1%) from 2010

Net Assets

Up

$82,049,477

Up $273,458 (+0.3%) from 2010

Liabilities

Up

$570,317,033

Up $42,864,405 (+8.1%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$27,842,865

Up $408,116 (+1.5%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth65th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $609,228,647Liabilities 2010: $527,452,628Net Assets 2010: $81,776,0192010Assets 2011: $652,366,510Liabilities 2011: $570,317,033Net Assets 2011: $82,049,4772011Assets 2012: $677,477,903Liabilities 2012: $586,974,804Net Assets 2012: $90,503,0992012Assets 2013: $679,361,311Liabilities 2013: $592,951,334Net Assets 2013: $86,409,9772013Assets 2014: $675,026,508Liabilities 2014: $589,498,705Net Assets 2014: $85,527,8032014Assets 2015: $695,669,333Liabilities 2015: $613,915,728Net Assets 2015: $81,753,6052015Assets 2016: $729,035,202Liabilities 2016: $640,812,514Net Assets 2016: $88,222,6882016Assets 2017: $763,793,492Liabilities 2017: $672,212,075Net Assets 2017: $91,581,4172017Assets 2018: $769,168,509Liabilities 2018: $677,404,452Net Assets 2018: $91,764,0572018Assets 2019: $844,798,383Liabilities 2019: $739,003,524Net Assets 2019: $105,794,8592019Assets 2020: $996,800,342Liabilities 2020: $878,503,828Net Assets 2020: $118,296,5142020Assets 2021: $1,097,457,613Liabilities 2021: $979,828,051Net Assets 2021: $117,629,5622021Assets 2022: $1,031,748,656Liabilities 2022: $942,342,296Net Assets 2022: $89,406,3602022Assets 2023: $1,075,470,650Liabilities 2023: $975,323,286Net Assets 2023: $100,147,3642023Assets 2024: $1,111,206,637Liabilities 2024: $998,405,254Net Assets 2024: $112,801,3832024

Highlighted filing

2011

Assets$652,366,510
Liabilities$570,317,033
Net Assets$82,049,477
Open 2011 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: $27,434,7492010Expenses 2011: $27,842,8652011Expenses 2012: $28,363,8002012Revenue 2013: $30,543,850Expenses 2013: $27,933,515Net Income 2013: $2,610,3352013Revenue 2014: $28,276,678Expenses 2014: $26,828,255Net Income 2014: $1,448,4232014Revenue 2015: $29,538,799Expenses 2015: $28,060,743Net Income 2015: $1,478,0562015Revenue 2016: $30,767,807Expenses 2016: $28,112,265Net Income 2016: $2,655,5422016Revenue 2017: $32,934,559Expenses 2017: $29,471,755Net Income 2017: $3,462,8042017Revenue 2018: $35,880,699Expenses 2018: $31,781,537Net Income 2018: $4,099,1622018Revenue 2019: $41,259,879Expenses 2019: $35,496,685Net Income 2019: $5,763,1942019Revenue 2020: $40,766,110Expenses 2020: $35,823,551Net Income 2020: $4,942,5592020Revenue 2021: $44,555,752Expenses 2021: $34,829,715Net Income 2021: $9,726,0372021Revenue 2022: $42,338,523Expenses 2022: $37,350,013Net Income 2022: $4,988,5102022Revenue 2023: $49,757,946Expenses 2023: $50,005,824Net Income 2023: -$247,8782023Revenue 2024: $62,149,802Expenses 2024: $59,106,731Net Income 2024: $3,043,0712024

Highlighted filing

2011

Revenue-
Expenses$27,842,865
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Jul 18, 2012
Return Version
2011v1.2
Gross Receipts
$135,428,816
Mission and Program Overview

Mission

To provide low/no cost financial products and services to member owners who share a common bond.

Major Activities

Activity 2
Provide 21,259 low rate loans to members including vehicle, mortgage/home equity, small business, credit cards and other personal loans.
Activity 3
Provide no/low cost financial products and services including automated teller machine access, debit cards, money orders, travelers checks, and wire transfers.
Filing and Contact Details

Filer

EIN
38-0996065
Raw XML AppendixShowing 400 of 470 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/Form990ScheduleJPartII/NamePerson0TIMOTHY W BENECKE
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg020347
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg0392
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0277939
IRS990ScheduleJ/IndependentConsultant0X
IRS990/ScheduleJRequired0true
IRS990ScheduleJ/SeverancePayment0false
IRS990ScheduleJ/SubstantiationRequired0true
IRS990ScheduleJ/SupplementalNonqualRetirePlan0false
IRS990ScheduleJ/TravelForCompanions0X
IRS990ScheduleJ/WrittenEmploymentContract0X
IRS990ScheduleJ/WrittenPolicyReTAndEExpenses0true
IRS990ScheduleL/Form990ScheduleLPartIV/AmountOfTransaction059801
IRS990ScheduleL/Form990ScheduleLPartIV/DescriptionOfTransaction0SALARY & BENEFITS
IRS990ScheduleL/Form990ScheduleLPartIV/NameOfInterestedPerson/NamePerson0GRETCHEN TRUMBLE
IRS990ScheduleL/Form990ScheduleLPartIV/Relationship0FAMILY
IRS990ScheduleL/Form990ScheduleLPartIV/SharingOfRevenues0false
IRS990ScheduleO/GeneralExplanation/Explanation0ALL LINES LEFT BLANK ARE NOT APPLICABLE TO THE ORGANIZATION.
IRS990ScheduleO/GeneralExplanation/Explanation1ALL MEMBERS OF THE CREDIT UNION ARE OF THE SAME CLASS. EACH MEMBER HAS THE RIGHT TO VOTE FOR INDIVIDUALS SERVING ON THE VOLUNTEER BOARD OF DIRECTORS AT EACH ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation2THE BOARD OF DIRECTORS IS ELECTED AT THE ANNUAL MEETING BY THE MEMBERSHIP PRESENT AT THE MEETING. EACH BOARD MEMBER IS ELECTED FOR A THREE YEAR TERM.
IRS990ScheduleO/GeneralExplanation/Explanation3BOARD OF DIRECTOR DECISIONS THAT ARE SUBJECT TO MEMBERSHIP APPROVAL ARE MERGERS, CHARTER CHANGES, BY-LAW CHANGES AND FIELD OF MEMBERSHIP CHANGES.
IRS990ScheduleO/GeneralExplanation/Explanation4A REVIEW IS CONDUCTED BY THE VICE PRESIDENT OF FINANCE PRIOR TO SUBMISSION TO THE IRS. THE RETURN IS MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW.
IRS990ScheduleO/GeneralExplanation/Explanation5THE BOARD OF DIRECTORS COMPLETES AN EVAULATION OF THE PRESIDENT/CEO. THE BOARD OF DIRECTORS SETS THE SALARY OF THE PRESIDENT/CEO. THE CREDIT UNION USES THE SERVICES OF A PROFESSIONAL COMPENSATION CONSULTING FIRM TO DETERMINE APPROPRIATE COMPENSATION RANGES.
IRS990ScheduleO/GeneralExplanation/Explanation6THE PRESIDENT/CEO EVALUATES THE VICE PRESIDENT OF FINANCE. ALL STAFF SALARY INCREASES (EXCLUDING THE PRESIDENT/CEO) ARE SET BY THE PRESIDENT/CEO AND APPROVED BY THE BOARD OF DIRECTORS. THE CREDIT UNION USES THE SERVICES OF A PROFESSIONAL COMPENSATION CONSULTING FIRM TO DETERMINE APPROPRIATE COMPENSATION RANGES.
IRS990ScheduleO/GeneralExplanation/Explanation7FINANCIAL STATEMENTS ARE POSTED IN ALL BRANCH OFFICE LOBBIES. OTHER DOCUMENTS AND POLICIES ARE AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation8NET CHANGE IN UNREALIZED GAIN/LOSS (1,233,488) UNAMORTIZED TRANSITION OBLIGATION AND OTHER LOSSES ON DEFINED BENEFIT AND POST RETIREMENT PLANS (2,560,555) ------------- TOTAL OTHER CHANGES IN NET ASSETS (3,794,043)
IRS990ScheduleO/GeneralExplanation/Identifier0ADDITIONAL INFORMATION
IRS990ScheduleO/GeneralExplanation/Identifier1CLASSES OF MEMBERS OR STOCKHOLDERS
IRS990ScheduleO/GeneralExplanation/Identifier2ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier3DECISIONS SUBJECT TO APPROVAL OF MEMBERS
IRS990ScheduleO/GeneralExplanation/Identifier4ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier5COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier6COMPENSATION PROCESS FOR OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier7GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier8OTHER CHANGES IN NET ASSETS EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PART XI, LINE 5
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0MI
IRS990/SubjectToProxyTax0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine106640 BAY ROAD
IRS990/TheBooksAreInCareOf/AddressUS/City0SAGINAW
IRS990/TheBooksAreInCareOf/AddressUS/State0MI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode048604

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$652,366,510
Liabilities
$570,317,033
Net assets
$82,049,477
Revenue
-
Expenses
$27,842,865
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,111$998$113$62.1$59.1$3.04
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,075$975$100$49.8$50.0$0.25
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,032$942$89.4$42.3$37.4$4.99
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,097$980$118$44.6$34.8$9.73
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$997$879$118$40.8$35.8$4.94
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$845$739$106$41.3$35.5$5.76
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$769$677$91.8$35.9$31.8$4.10
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$764$672$91.6$32.9$29.5$3.46
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$729$641$88.2$30.8$28.1$2.66
2015Detailed filing. Detailed filing data is available for this year.$696$614$81.8$29.5$28.1$1.48
2014Detailed filing. Detailed filing data is available for this year.$675$589$85.5$28.3$26.8$1.45
2013Detailed filing. Detailed filing data is available for this year.$679$593$86.4$30.5$27.9$2.61
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$677$587$90.5$28.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$652$570$82.0$27.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$609$527$81.8$27.4