Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2012 • EIN 38-1246873

Jan 01, 2012 to Dec 31, 2012 • Filed on May 13, 2013

Organization ProfileSagelinkcu.com

View Organization Page

311 N Saginaw Street48429
Siviq Scores

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

Liabilities / Assets

38th percentile

0.89x

Higher debt load relative to assets than 38% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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

17th percentile

0.2%

Faster asset growth than 17% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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 / Assets38th percentile

Assets

Up

$167,527,708

Up $326,866 (+0.2%) from 2011

Net Assets

Down

$19,187,098

Down $412,862 (-2.1%) from 2011

Liabilities

Up

$148,340,610

Up $739,728 (+0.5%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$6,315,462

Up $703,989 (+13%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth17th percentile

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

$300M$200M$100M$0Assets 2010: $145,763,110Liabilities 2010: $127,204,503Net Assets 2010: $18,558,6072010Assets 2011: $167,200,842Liabilities 2011: $147,600,882Net Assets 2011: $19,599,9602011Assets 2012: $167,527,708Liabilities 2012: $148,340,610Net Assets 2012: $19,187,0982012Assets 2013: $169,264,671Liabilities 2013: $150,320,848Net Assets 2013: $18,943,8232013Assets 2014: $169,312,069Liabilities 2014: $149,812,404Net Assets 2014: $19,499,6652014Assets 2015: $179,704,222Liabilities 2015: $159,450,269Net Assets 2015: $20,253,9532015Assets 2016: $190,927,709Liabilities 2016: $169,403,233Net Assets 2016: $21,524,4762016Assets 2017: $200,025,697Liabilities 2017: $177,263,277Net Assets 2017: $22,762,4202017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2012

Assets$167,527,708
Liabilities$148,340,610
Net Assets$19,187,098
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$10M$5.0M$0Expenses 2010: $6,239,0582010Expenses 2011: $5,611,4732011Expenses 2012: $6,315,4622012Revenue 2013: $6,227,650Expenses 2013: $6,025,804Net Income 2013: $201,8462013Revenue 2014: $6,685,331Expenses 2014: $6,402,362Net Income 2014: $282,9692014Revenue 2015: $7,145,696Expenses 2015: $6,292,625Net Income 2015: $853,0712015Revenue 2016: $7,896,105Expenses 2016: $6,630,184Net Income 2016: $1,265,9212016Revenue 2017: $8,805,007Expenses 2017: $7,431,196Net Income 2017: $1,373,8112017Revenue 2018: $4,804,105Expenses 2018: $4,475,361Net Income 2018: $328,7442018

Highlighted filing

2012

Revenue-
Expenses$6,315,462
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 13, 2013
Return Version
2012v2.0
Gross Receipts
$6,351,982
Mission and Program Overview

Mission

We are committed to exceptional personalized experiences and innovative technologies.

Major Activities

Activity 2
Provide 8,778 Loans including Personal, Home Equity, Mortgage and Credit Card type loans.
Activity 3
Offer Automated Teller Machines, Money Orders and various insurance programs.
Filing and Contact Details

Filer

EIN
38-1246873
Raw XML AppendixShowing 400 of 497 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/Explanation0Sagelink Credit Union has a single class of members with equal rights of ownership, governance, and voting.
IRS990ScheduleO/GeneralExplanation/Explanation1Sagelink Credit Union has members which are intitled to vote.
IRS990ScheduleO/GeneralExplanation/Explanation2Credit Union decisions that require membership approval are mergers.
IRS990ScheduleO/GeneralExplanation/Explanation3Form 990 is completed by the Asst VP of Finance and then reviewed by the CEO.
IRS990ScheduleO/GeneralExplanation/Explanation4Sagelink Credit Union requires all of the governing body to report any conflict of interest to the Board and must abstain from any vote or action on the issue.
IRS990ScheduleO/GeneralExplanation/Explanation5The compensation for the CEO was determined by the Board of Directors based on competitive pay.
IRS990ScheduleO/GeneralExplanation/Explanation6Sagelink Credit Union's Governing documents, conflict of interest policy and financial statements are available upon request. The financial statements are posted in the lobby of Sagelink Credit Union main office.
IRS990ScheduleO/GeneralExplanation/Explanation7Allowance for Loan Loss adjustment from 2011 merger entries with Communication Services Credit Union.
IRS990ScheduleO/GeneralExplanation/Identifier0F990_P06_S0A_L06
IRS990ScheduleO/GeneralExplanation/Identifier1F990_P06_S0A_L07a
IRS990ScheduleO/GeneralExplanation/Identifier2F990_P06_S0A_L07b
IRS990ScheduleO/GeneralExplanation/Identifier3F990_P06_S0B_L11b
IRS990ScheduleO/GeneralExplanation/Identifier4F990_P06_S0B_L12c

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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
$167,527,708
Liabilities
$148,340,610
Net assets
$19,187,098
Revenue
-
Expenses
$6,315,462
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$4.80$4.48$0.33
2017Detailed filing. Detailed filing data is available for this year.$200$177$22.8$8.81$7.43$1.37
2016Detailed filing. Detailed filing data is available for this year.$191$169$21.5$7.90$6.63$1.27
2015Detailed filing. Detailed filing data is available for this year.$180$159$20.3$7.15$6.29$0.85
2014Detailed filing. Detailed filing data is available for this year.$169$150$19.5$6.69$6.40$0.28
2013Detailed filing. Detailed filing data is available for this year.$169$150$18.9$6.23$6.03$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$168$148$19.2$6.32
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$167$148$19.6$5.61
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$146$127$18.6$6.24