Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2011 • EIN 38-1362849

Jan 01, 2011 to Dec 31, 2011 • Filed on Nov 15, 2012

Organization Profilewww.hpccu.com
1234 West Chisholm Street49707
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.

2011 filings • 501(c)14 • $100M-$250M 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

11th percentile

-1.1%

Faster asset growth than 11% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M 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 / Assets38th percentile

Assets

Down

$112,860,356

Down $1,247,858 (-1.1%) from 2010

Net Assets

Up

$12,555,325

Up $63,120 (+0.5%) from 2010

Liabilities

Down

$100,305,031

Down $1,310,978 (-1.3%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$3,531,568

Down $257,637 (-6.8%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

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

$200M$150M$100M$50M$0Assets 2010: $114,108,214Liabilities 2010: $101,616,009Net Assets 2010: $12,492,2052010Assets 2011: $112,860,356Liabilities 2011: $100,305,031Net Assets 2011: $12,555,3252011Assets 2012: $112,576,032Liabilities 2012: $99,385,259Net Assets 2012: $13,190,7732012Assets 2013: $113,266,039Liabilities 2013: $99,262,227Net Assets 2013: $14,003,8122013Assets 2014: $114,652,260Liabilities 2014: $99,909,725Net Assets 2014: $14,742,5352014Assets 2015: $117,539,163Liabilities 2015: $102,214,334Net Assets 2015: $15,324,8292015Assets 2016: $121,629,676Liabilities 2016: $105,739,870Net Assets 2016: $15,889,8062016Assets 2017: $124,073,933Liabilities 2017: $107,514,572Net Assets 2017: $16,559,3612017Assets 2018: $121,792,993Liabilities 2018: $104,228,838Net Assets 2018: $17,564,1552018Assets 2019: $123,370,577Liabilities 2019: $104,792,435Net Assets 2019: $18,578,1422019Assets 2020: $143,285,850Liabilities 2020: $124,046,044Net Assets 2020: $19,239,8062020Assets 2021: $158,654,438Liabilities 2021: $138,607,713Net Assets 2021: $20,046,7252021Assets 2022: $163,735,432Liabilities 2022: $143,586,522Net Assets 2022: $20,148,9102022Assets 2023: $158,016,891Liabilities 2023: $137,757,476Net Assets 2023: $20,259,4152023Assets 2024: $153,945,735Liabilities 2024: $132,387,672Net Assets 2024: $21,558,0632024

Highlighted filing

2011

Assets$112,860,356
Liabilities$100,305,031
Net Assets$12,555,325
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $3,789,2052010Expenses 2011: $3,531,5682011Revenue 2012: $3,429,696Expenses 2012: $2,794,248Net Income 2012: $635,4482012Revenue 2013: $3,169,384Expenses 2013: $2,356,345Net Income 2013: $813,0392013Revenue 2014: $3,074,331Expenses 2014: $2,335,608Net Income 2014: $738,7232014Revenue 2015: $3,044,577Expenses 2015: $2,462,283Net Income 2015: $582,2942015Revenue 2016: $3,094,330Expenses 2016: $2,529,353Net Income 2016: $564,9772016Revenue 2017: $3,310,033Expenses 2017: $2,640,478Net Income 2017: $669,5552017Revenue 2018: $3,879,019Expenses 2018: $2,874,225Net Income 2018: $1,004,7942018Revenue 2019: $4,242,783Expenses 2019: $3,228,796Net Income 2019: $1,013,9872019Revenue 2020: $4,224,932Expenses 2020: $3,563,268Net Income 2020: $661,6642020Revenue 2021: $4,477,208Expenses 2021: $3,670,250Net Income 2021: $806,9582021Revenue 2022: $4,415,579Expenses 2022: $4,313,394Net Income 2022: $102,1852022Revenue 2023: $5,429,627Expenses 2023: $5,319,122Net Income 2023: $110,5052023Revenue 2024: $6,826,736Expenses 2024: $5,528,088Net Income 2024: $1,298,6482024

Highlighted filing

2011

Revenue-
Expenses$3,531,568
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Nov 15, 2012
Return Version
2011v1.2
Gross Receipts
$3,873,686
Mission and Program Overview

Mission

To serve and promote member's personal financial success and to continue the Credit Union philosophy of "People Helping People".

Major Activities

Activity 2
Provide 2,922 loans including Credit Card, Unsecured, Student, New & Used Vehicle, First Mortgage and Other Real Estate Loans.
Activity 3
Offer ATM/Debit cards, Wire Transfers, Money Orders, Financial Education and Financial Counseling.
Filing and Contact Details

Filer

EIN
38-1362849
Raw XML AppendixShowing 400 of 429 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/Explanation0Audited Financial Statements were completed as of March 31, 2012. Unaudited Financial statements were completed as of March 31, 2011. The Credit Union's tax year ends December 31, therefore Schedule D, Parts XI, XII and XIII cannot be completed.
IRS990ScheduleO/GeneralExplanation/Explanation1The Credit Union has a single class of members with equal rights of ownership, governance and voting.
IRS990ScheduleO/GeneralExplanation/Explanation2The Board of Directors are voted in at the annual meeting for three year terms.
IRS990ScheduleO/GeneralExplanation/Explanation3Members vote on By-Law changes and Charter changes.
IRS990ScheduleO/GeneralExplanation/Explanation4Management reviews the 990 prior to filing with the IRS. The returns are made available for the Board of Directors to review.
IRS990ScheduleO/GeneralExplanation/Explanation5A compensation committee made up of Board of Director members uses surveys to determine Manager's compensation. This was last completed in 2011.
IRS990ScheduleO/GeneralExplanation/Explanation6Financial Statements are posted in the credit union lobby. All other documents and policies are available for review upon request.
IRS990ScheduleO/GeneralExplanation/Explanation7Prior Period Adjustements: $56,187
IRS990ScheduleO/GeneralExplanation/Identifier0F990_P04_S00_L12a
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IRS990ScheduleO/GeneralExplanation/Identifier3F990_P06_S0A_L07b
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IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, Line 11b
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 XI, Line 5
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IRS990/TotalReportableCompFromOrg0107554
IRS990/TotalRevenueCurrentYear03538501
IRS990/TotalRevenue/ExclusionAmount00
IRS990/TotalRevenuePriorYear03879493
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome03516454
IRS990/TotalRevenue/TotalRevenueColumn03538501
IRS990/TotalRevenue/UnrelatedBusinessRevenue022047
IRS990/TransactionRelatedEntity00
IRS990/Travel/Total0751
IRS990/TypeOfOrganizationOther0X
IRS990/TypeOfOrgOtherDescription0credit union
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0www.hpccu.com
IRS990/WhistleblowerPolicy00

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
$112,860,356
Liabilities
$100,305,031
Net assets
$12,555,325
Revenue
-
Expenses
$3,531,568
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$154$132$21.6$6.83$5.53$1.30
2023Detailed filing. Detailed filing data is available for this year.$158$138$20.3$5.43$5.32$0.11
2022Detailed filing. Detailed filing data is available for this year.$164$144$20.1$4.42$4.31$0.10
2021Detailed filing. Detailed filing data is available for this year.$159$139$20.0$4.48$3.67$0.81
2020Detailed filing. Detailed filing data is available for this year.$143$124$19.2$4.22$3.56$0.66
2019Detailed filing. Detailed filing data is available for this year.$123$105$18.6$4.24$3.23$1.01
2018Detailed filing. Detailed filing data is available for this year.$122$104$17.6$3.88$2.87$1.00
2017Summary only. Only limited summary data is available for this year.$124$108$16.6$3.31$2.64$0.67
2016Detailed filing. Detailed filing data is available for this year.$122$106$15.9$3.09$2.53$0.56
2015Detailed filing. Detailed filing data is available for this year.$118$102$15.3$3.04$2.46$0.58
2014Detailed filing. Detailed filing data is available for this year.$115$99.9$14.7$3.07$2.34$0.74
2013Detailed filing. Detailed filing data is available for this year.$113$99.3$14.0$3.17$2.36$0.81
2012Summary only. Only limited summary data is available for this year.$113$99.4$13.2$3.43$2.79$0.64
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$113$100$12.6$3.53
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$114$102$12.5$3.79
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2011 filings • 501(c)14 • $100M-$250M nonprofits