Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2012 • EIN 38-1305916

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 10, 2013

Organization ProfileWWW.MICHEDCU.ORG
9200 Haggerty Road48170
Siviq Scores

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

Liabilities / Assets

30th percentile

0.88x

Higher debt load relative to assets than 30% 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

43rd percentile

4.8%

Faster asset growth than 43% 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 / Assets30th percentile

Assets

Up

$651,570,426

Up $29,589,548 (+4.8%) from 2011

Net Assets

Up

$79,503,120

Up $1,097,609 (+1.4%) from 2011

Liabilities

Up

$572,067,306

Up $28,491,939 (+5.2%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$20,242,656

Down $1,814,711 (-8.2%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth43rd percentile

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

$1.5B$1.0B$500M$0Assets 2010: $595,785,430Liabilities 2010: $518,494,227Net Assets 2010: $77,291,2032010Assets 2011: $621,980,878Liabilities 2011: $543,575,367Net Assets 2011: $78,405,5112011Assets 2012: $651,570,426Liabilities 2012: $572,067,306Net Assets 2012: $79,503,1202012Assets 2013: $673,459,718Liabilities 2013: $587,232,570Net Assets 2013: $86,227,1482013Assets 2014: $700,725,426Liabilities 2014: $611,637,857Net Assets 2014: $89,087,5692014Assets 2015: $727,291,650Liabilities 2015: $636,873,898Net Assets 2015: $90,417,7522015Assets 2016: $763,355,659Liabilities 2016: $669,249,682Net Assets 2016: $94,105,9772016Assets 2017: $799,550,694Liabilities 2017: $702,189,571Net Assets 2017: $97,361,1232017Assets 2018: $825,801,568Liabilities 2018: $724,680,648Net Assets 2018: $101,120,9202018Assets 2019: $875,998,094Liabilities 2019: $765,040,572Net Assets 2019: $110,957,5222019Assets 2020: $1,008,068,855Liabilities 2020: $891,636,935Net Assets 2020: $116,431,9202020Assets 2021: $1,074,921,779Liabilities 2021: $966,539,456Net Assets 2021: $108,382,3232021Assets 2022: $1,037,849,743Liabilities 2022: $972,569,560Net Assets 2022: $65,280,1832022Assets 2023: $1,006,575,527Liabilities 2023: $922,984,296Net Assets 2023: $83,591,2312023Assets 2024: $1,029,181,110Liabilities 2024: $931,738,836Net Assets 2024: $97,442,2742024

Highlighted filing

2012

Assets$651,570,426
Liabilities$572,067,306
Net Assets$79,503,120
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$40M$30M$20M$10M$0Expenses 2010: $25,156,5012010Expenses 2011: $22,057,3672011Expenses 2012: $20,242,6562012Revenue 2013: $21,569,494Expenses 2013: $19,094,649Net Income 2013: $2,474,8452013Revenue 2014: $21,664,876Expenses 2014: $18,344,631Net Income 2014: $3,320,2452014Revenue 2015: $22,535,457Expenses 2015: $18,893,688Net Income 2015: $3,641,7692015Revenue 2016: $24,929,502Expenses 2016: $20,644,174Net Income 2016: $4,285,3282016Revenue 2017: $26,596,989Expenses 2017: $22,105,077Net Income 2017: $4,491,9122017Revenue 2018: $30,237,981Expenses 2018: $24,634,746Net Income 2018: $5,603,2352018Revenue 2019: $31,919,608Expenses 2019: $26,562,502Net Income 2019: $5,357,1062019Revenue 2020: $29,409,639Expenses 2020: $26,912,651Net Income 2020: $2,496,9882020Revenue 2021: $27,431,098Expenses 2021: $25,852,291Net Income 2021: $1,578,8072021Revenue 2022: $30,107,433Expenses 2022: $26,318,782Net Income 2022: $3,788,6512022Revenue 2023: $34,646,685Expenses 2023: $31,101,715Net Income 2023: $3,544,9702023Revenue 2024: $39,021,650Expenses 2024: $35,387,839Net Income 2024: $3,633,8112024

Highlighted filing

2012

Revenue-
Expenses$20,242,656
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 10, 2013
Return Version
2012v2.0
Gross Receipts
$27,393,830
Mission and Program Overview

Mission

To provide members with quality, comprehensive and cost effective finanicial services.

Major Activities

Activity 2
Provide 31,959 loans including Vehicle, Credit Card, Home Equity, Business, Personal, Boat, Motorcycle, Motor Home and Mortgages.
Activity 3
Offer Automated Teller Machines, Debit Cards, Money Orders, Check Cashing, Travelers Checks, Overdraft Protection/Courtesy Pay, Bill Pay and various Insurance and Investment programs.
Filing and Contact Details

Filer

EIN
38-1305916
Raw XML AppendixShowing 400 of 706 raw XML fields

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IRS990/ReconcilationDonatedServices00
IRS990/ReconcilationInvestExpenses00
IRS990/ReconcilationOtherChanges0-395713
IRS990/ReconcilationPriorAdjustment00
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IRS990/ReconciliationUnrealizedInvest00
IRS990/RegularMonitoringEnforcement01
IRS990/RelatedEntity01
IRS990/RelatedOrgControlledEntity00
IRS990/RentalIncomeOrLoss/Personal00
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IRS990/ReportInvestOthSecurities01
IRS990/ReportLandBldgEquip01
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities01
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IRS990/RetainedEarningsEndowmentEtc/EOY079503120
IRS990/Revenue00
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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
$651,570,426
Liabilities
$572,067,306
Net assets
$79,503,120
Revenue
-
Expenses
$20,242,656
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,029$932$97.4$39.0$35.4$3.63
2023Detailed filing. Detailed filing data is available for this year.$1,007$923$83.6$34.6$31.1$3.54
2022Detailed filing. Detailed filing data is available for this year.$1,038$973$65.3$30.1$26.3$3.79
2021Detailed filing. Detailed filing data is available for this year.$1,075$967$108$27.4$25.9$1.58
2020Detailed filing. Detailed filing data is available for this year.$1,008$892$116$29.4$26.9$2.50
2019Detailed filing. Detailed filing data is available for this year.$876$765$111$31.9$26.6$5.36
2018Detailed filing. Detailed filing data is available for this year.$826$725$101$30.2$24.6$5.60
2017Detailed filing. Detailed filing data is available for this year.$800$702$97.4$26.6$22.1$4.49
2016Detailed filing. Detailed filing data is available for this year.$763$669$94.1$24.9$20.6$4.29
2015Detailed filing. Detailed filing data is available for this year.$727$637$90.4$22.5$18.9$3.64
2014Detailed filing. Detailed filing data is available for this year.$701$612$89.1$21.7$18.3$3.32
2013Detailed filing. Detailed filing data is available for this year.$673$587$86.2$21.6$19.1$2.47
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$652$572$79.5$20.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$622$544$78.4$22.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$596$518$77.3$25.2
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $250M-$1B nonprofits