Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2011 • EIN 38-1231023

Jan 01, 2011 to Dec 31, 2011 • Filed on Nov 13, 2012

Organization ProfileWWW.HONORCU.COM

View Organization Page

2920 Lakeview Avenue49085
Siviq Scores

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

Liabilities / Assets

31st percentile

0.88x

Higher debt load relative to assets than 31% 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

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets31st percentile

Assets

$321,006,734

No earlier filing loaded for comparison.

Net Assets

$38,388,727

No earlier filing loaded for comparison.

Liabilities

$282,618,007

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$14,215,227

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$2.0B$1.5B$1.0B$500M$0Assets 2011: $321,006,734Liabilities 2011: $282,618,007Net Assets 2011: $38,388,7272011Assets 2012: $432,710,416Liabilities 2012: $385,547,269Net Assets 2012: $47,163,1472012Assets 2013: $472,518,124Liabilities 2013: $422,073,504Net Assets 2013: $50,444,6202013Assets 2014: $598,991,686Liabilities 2014: $534,523,673Net Assets 2014: $64,468,0132014Assets 2015: $664,782,324Liabilities 2015: $593,767,567Net Assets 2015: $71,014,7572015Assets 2016: $712,966,023Liabilities 2016: $636,670,547Net Assets 2016: $76,295,4762016Assets 2017: $852,520,992Liabilities 2017: $757,330,790Net Assets 2017: $95,190,2022017Assets 2018: $934,030,474Liabilities 2018: $828,770,549Net Assets 2018: $105,259,9252018Assets 2019: $1,009,278,982Liabilities 2019: $890,810,067Net Assets 2019: $118,468,9152019Assets 2020: $1,214,960,101Liabilities 2020: $1,079,988,759Net Assets 2020: $134,971,3422020Assets 2021: $1,437,451,566Liabilities 2021: $1,285,589,145Net Assets 2021: $151,862,4212021Assets 2022: $1,585,559,927Liabilities 2022: $1,442,962,820Net Assets 2022: $142,597,1072022Assets 2023: $1,701,973,478Liabilities 2023: $1,537,891,407Net Assets 2023: $164,082,0712023Assets 2024: $1,705,014,823Liabilities 2024: $1,519,352,936Net Assets 2024: $185,661,8872024

Highlighted filing

2011

Assets$321,006,734
Liabilities$282,618,007
Net Assets$38,388,727
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150M$100M$50M$0Expenses 2011: $14,215,2272011Expenses 2012: $18,688,1012012Revenue 2013: $25,258,836Expenses 2013: $20,157,913Net Income 2013: $5,100,9232013Revenue 2014: $30,476,651Expenses 2014: $24,620,104Net Income 2014: $5,856,5472014Revenue 2015: $36,570,015Expenses 2015: $29,868,248Net Income 2015: $6,701,7672015Revenue 2016: $43,216,020Expenses 2016: $37,658,842Net Income 2016: $5,557,1782016Revenue 2017: $49,336,526Expenses 2017: $40,922,549Net Income 2017: $8,413,9772017Revenue 2018: $60,329,871Expenses 2018: $49,616,444Net Income 2018: $10,713,4272018Revenue 2019: $69,079,578Expenses 2019: $57,783,763Net Income 2019: $11,295,8152019Revenue 2020: $75,345,313Expenses 2020: $61,331,077Net Income 2020: $14,014,2362020Revenue 2021: $81,953,482Expenses 2021: $60,781,210Net Income 2021: $21,172,2722021Revenue 2022: $90,533,570Expenses 2022: $71,155,529Net Income 2022: $19,378,0412022Revenue 2023: $113,682,685Expenses 2023: $94,196,589Net Income 2023: $19,486,0962023Revenue 2024: $127,936,925Expenses 2024: $111,515,012Net Income 2024: $16,421,9132024

Highlighted filing

2011

Revenue-
Expenses$14,215,227
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Nov 13, 2012
Return Version
2011v1.2
Gross Receipts
$17,680,161
Mission and Program Overview

Mission

Providing solutions for financial success.

Filing and Contact Details

Filer

EIN
38-1231023
Raw XML AppendixShowing 400 of 459 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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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES. HOWEVER, THE CREDIT UNION IS SUBJECT TO UNRELATED BUSINESS INCOME TAX. THE NET UNRELATED BUSINESS INCOME TAX IS IMMATERIAL TO THE FINANCIAL STATEMENTS AS A WHOLE. ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REQUIRE MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE ORGANIZATION AND RECOGNIZE A TAX LIABILITY IF THE ORGANIZATION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY THE IRS OR OTHER APPLICABLE TAXING AUTHORITIES. MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE CREDIT UNION AND HAS CONCLUDED THAT AS OF DECEMBER 31, 2011 AND 2010, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY OR DISCLOSURE IN THE FINANCIAL STATEMENTS. THE CREDIT UNION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. MANAGEMENT BELIEVES IT IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR YEARS PRIOR TO 2008.
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IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs20
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SupplementalNonqualRetirePlan01
IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION CURRENTLY HAS APPROXIMATELY 25,000 MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE MEMBERS OF THE CREDIT UNION ARE RESPONSIBLE FOR ELECTING THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE MEMBERS OF THE CREDIT UNION MUST APPROVE MERGERS. ALL OTHER DECISIONS MAY BE MADE BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation3BEFORE THE 990 WAS FILED, AN ELECTRONIC COPY OF THE DRAFT WAS SENT TO THE BOARD OF DIRECTORS, VIA EMAIL, FOR THEIR REVIEW. ALL OF THE BOARD MEMBERS WERE GIVEN THE OPPORTUNITY TO CONTACT THE CREDIT UNION'S MANAGEMENT WITH ANY QUESTIONS OR CONCERNS THEY HAD REGARDING THE 990 RETURN.
IRS990ScheduleO/GeneralExplanation/Explanation4AUDIT LINK IS A SERVICE WE USE TO MONITOR ALL EMPLOYEE AND BOARD MEMBER ACCOUNTS. ACCOUNTS ARE MONITORED WEEKLY BY AUDIT LINK AND A REPORT IS SEND TO HR WITH THE FINDINGS, HR DOES A REVIEW OF ACCOUNTS AND INVESTIGATES IF NEEDED. COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY IS MONITORED THROUGH DISCUSSIONS AT THE BOARD LEVEL. IF A CONFLICT ARISES THE AFFECTED BOARD MEMBER WILL ABSTAIN FROM VOTING.
IRS990ScheduleO/GeneralExplanation/Explanation5THE BOARD OF DIRECTORS HAS APPROVED THE USE OF COMP EASE SOFTWARE FOR ASSISTING WITH COMPENSATION FOR ALL EMPLOYEES. COMPENSATION FOR THE CEO, OTHER OFFICERS, AND KEY EMPLOYEES IS APPROVED BY BOTH HUMAN RESOURCES AND THE BOARD OF DIRECTORS. COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY IS MONITORED THROUGH DISCUSSIONS AT THE BOARD LEVEL. IF A CONFLICT ARISES THE AFFECTED BOARD MEMBER WILL ABSTAIN FROM VOTING.
IRS990ScheduleO/GeneralExplanation/Explanation6GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation7DATA PROCESSING: TOTAL EXPENSES 609,117. STABILIZATION FUND REPAYMENT: TOTAL EXPENSES 541,992. MISCELLANEOUS: TOTAL EXPENSES 508,851. LOAN SERVICING: TOTAL EXPENSES 385,202.
IRS990ScheduleO/GeneralExplanation/Explanation8NET UNREALIZED GAINS ON INVESTMENTS: 93,700.
IRS990ScheduleO/GeneralExplanation/Explanation9THE BOARD OF DIRECTORS HAS ESTABLISHED THE SUPERVISORY COMMITTEE WHICH IS RESPONSIBLE FOR THE OVERSIGHT OF THE AUDIT REVIEW AND THE SELECTION OF AN INDEPENDENT AUDITOR. THE SUPERVISORY COMMITTEE APPROVES AN INDEPENDENT AUDITOR EACH YEAR AND MEETS TO REVIEW THE INDEPENDENT AUDITOR'S REPORT AFTER THE AUDIT IS COMPLETE.
IRS990ScheduleO/GeneralExplanation/Explanation10SCHEDULE L IS NOT REQUIRED FOR LOANS RECEIVABLE BALANCES ON FORM 990, PART X, LINE 5 IF THE LOANS ARE MADE BY THE CREDIT UNION TO THE DIRECTORS, OFFICERS, AND KEY EMPLOYEES ON THE SAME TERMS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION. THEREFORE, THE CREDIT UNION HAS INCLUDED $2,085,000 AND $1,626,000 OF RECEIVABLES FROM CURRENT OFFICERS, DIRECTORS, TRUSTEES, KEY EMPLOYEES, AND HIGHEST COMPENSATED EMPLOYEES FOR 2011 AND 2010, RESPECTIVELY, WITHIN FORM 990, PART X, LINE 7.
IRS990ScheduleO/GeneralExplanation/Identifier0ALL OTHER FUNCTIONAL EXPENSES
IRS990ScheduleO/GeneralExplanation/Identifier1CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART X, LINE 24E
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PART XI, LINE 5:
IRS990ScheduleO/GeneralExplanation/ReturnReference9FORM 990, PART XII, LINE 2C:
IRS990ScheduleO/GeneralExplanation/ReturnReference10FORM 990, PART X, LINE 5 AND SCHEDULE L:
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0MI
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine102920 LAKEVIEW AVENUE
IRS990/TheBooksAreInCareOf/AddressUS/City0ST JOSEPH
IRS990/TheBooksAreInCareOf/AddressUS/State0MI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode049085
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10MARY UNRUH
IRS990/TheBooksAreInCareOf/TelephoneNumber02699836357
IRS990/TotalAssets/BOY0297690097
IRS990/TotalAssetsBOY0297690097
IRS990/TotalAssets/EOY0321006734
IRS990/TotalAssetsEOY0321006734
IRS990/TotalCompGT150K01
IRS990/TotalExpensesCurrentYear014215227
IRS990/TotalExpensesPriorYear012957966
IRS990/TotalFunctionalExpenses/Total014215227

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
$321,006,734
Liabilities
$282,618,007
Net assets
$38,388,727
Revenue
-
Expenses
$14,215,227
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,705$1,519$186$128$112$16.4
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,702$1,538$164$114$94.2$19.5
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,586$1,443$143$90.5$71.2$19.4
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,437$1,286$152$82.0$60.8$21.2
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,215$1,080$135$75.3$61.3$14.0
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,009$891$118$69.1$57.8$11.3
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$934$829$105$60.3$49.6$10.7
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$853$757$95.2$49.3$40.9$8.41
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$713$637$76.3$43.2$37.7$5.56
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$665$594$71.0$36.6$29.9$6.70
2014Detailed filing. Detailed filing data is available for this year.$599$535$64.5$30.5$24.6$5.86
2013Detailed filing. Detailed filing data is available for this year.$473$422$50.4$25.3$20.2$5.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$433$386$47.2$18.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$321$283$38.4$14.2
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2011 filings • 501(c)14 • $250M-$1B nonprofits