Civic Intelligence

Credit Unions Chartered in the State of Michigan Northwood Credit Union

990 • Fiscal year 2012 • EIN 38-1362844

Jan 01, 2012 to Dec 31, 2012

Siviq Scores

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

Liabilities / Assets

37th percentile

0.85x

Higher debt load relative to assets than 37% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2012

Liabilities / Revenue

98th percentile

15.04x

Higher debt load relative to revenue than 98% of similar nonprofits.

2012 filings • $10M-$25M nonprofits • Source year 2012

Net Margin

71st percentile

17%

Higher net margin than 71% of similar nonprofits.

2012 filings • $10M-$25M nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

65th percentile

5.6%

Faster asset growth than 65% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

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

Source year 2012

Assets

Up

$19,961,611

Up $1,064,079 (+5.6%) from 2011

Net Assets

Up

$2,948,313

Up $191,709 (+7.0%) from 2011

Liabilities

Up

$17,013,298

Up $872,370 (+5.4%) from 2011

Revenue

$1,131,198

No earlier filing loaded for comparison.

Expenses

Down

$939,489

Down $216,521 (-19%) from 2011

Net Income

$191,709

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$20M$15M$10M$5.0M$0Assets 2010: $19,207,504Liabilities 2010: $16,412,481Net Assets 2010: $2,795,0232010Assets 2011: $18,897,532Liabilities 2011: $16,140,928Net Assets 2011: $2,756,6042011Assets 2012: $19,961,611Liabilities 2012: $17,013,298Net Assets 2012: $2,948,3132012Assets 2013: $19,061,395Liabilities 2013: $16,136,477Net Assets 2013: $2,924,9182013

Highlighted filing

2012

Assets$19,961,611
Liabilities$17,013,298
Net Assets$2,948,313

Operations Trend

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,097,8762010Expenses 2011: $1,156,0102011Revenue 2012: $1,131,198Expenses 2012: $939,489Net Income 2012: $191,7092012Revenue 2013: $1,110,030Expenses 2013: $1,133,426Net Income 2013: -$23,3962013

Highlighted filing

2012

Revenue$1,131,198
Expenses$939,489
Net Income$191,709
Filing Detail Status

This 2012 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

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Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Mission and Program Overview

Mission

A vision for your financial future

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $10M-$25M nonprofits