Civic Intelligence

Father Kramer Credit Union

EIN 38-1366964

7350 Bernice48015
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

92nd percentile

0.85x

Higher debt load relative to assets than 92% of similar nonprofits.

$5M-$10M nonprofits • Source year 2011

Liabilities / Revenue

99th percentile

26.43x

Higher debt load relative to revenue than 99% of similar nonprofits.

$5M-$10M nonprofits • Source year 2011

Net Margin

7th percentile

-62%

Higher net margin than 7% of similar nonprofits.

$5M-$10M nonprofits • Source year 2011

Top Officer Pay

Score unavailable

No value available

No filing with officer or executive compensation is available for this organization yet.

Asset Growth

45th percentile

2.1%

Faster asset growth than 45% of similar nonprofits.

$5M-$10M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

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

Source year 2011

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$7,173,522

Up $148,547 (+2.1%) from 2010

Liabilities

Up

$6,087,612

Up $291,678 (+5.0%) from 2010

Net Assets

Down

$1,085,910

Down $143,131 (-12%) from 2010

Operations
Liabilities / Revenue99th percentileNet Margin7th percentile

Revenue

$230,288

No earlier filing loaded for comparison.

Expenses

Up

$373,419

Up $16,514 (+4.6%) from 2010

Net Income

-$143,131

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth45th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $7,024,975Liabilities 2010: $5,795,934Net Assets 2010: $1,229,0412010Assets 2011: $7,173,522Liabilities 2011: $6,087,612Net Assets 2011: $1,085,9102011

Highlighted filing

2011

Assets$7,173,522
Liabilities$6,087,612
Net Assets$1,085,910
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income by year, with the latest filing highlighted.

$400K$200K$0-$200KExpenses 2010: $356,9052010Revenue 2011: $230,288Expenses 2011: $373,419Net Income 2011: -$143,1312011

Highlighted filing

2011

Revenue$230,288
Expenses$373,419
Net Income-$143,131
Open 2011 Filing

Filings

Most recent year

2011 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$7,173,522
Liabilities
$6,087,612
Net assets
$1,085,910
Revenue
$230,288
Expenses
$373,419
Net income
-$143,131
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2011Summary only. Only limited summary data is available for this year.$7.17$6.09$1.09$0.23$0.37$0.14
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.02$5.80$1.23$0.36
Latest Detailed Filing

The latest 2011 filing currently has summary financial data only. Showing the latest detailed filing from 2010 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Apr 12, 2011
Return Version
2010v3.2
Gross Receipts
$258,187
Filing and Contact Details

Filer

EIN
38-1366964
Raw XML Appendix377 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/Explanation0A MEMBER OWNED QUALITY SERVICE ORIENTED CREDIT UNION POSITIONED TO MEET THE FINANCIAL NEEDS OF ITS MEMBERS IN A PERSONABLE AND COURTEOUS MANNER.
IRS990ScheduleO/GeneralExplanation/Explanation1THE ORGANIZATION'S SHAREHOLDERS ARE ITS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE ORGANIZATION'S MEMBERS (SHAREHOLDERS) ELECT THE ORGANIZATION'S GOVERNING BODY (DIRECTORS) ANNUALLY IN ACCORDANCE WITH THE CREDIT UNION'S BYLAWS.
IRS990ScheduleO/GeneralExplanation/Explanation3APPROVAL OF THE ORGANIZATION'S MEMBERS IS REQUIRED TO CHANGE THE CREDIT UNION'S BYLAWS.
IRS990ScheduleO/GeneralExplanation/Explanation4A COPY OF FORM 990 IS PROVIDED TO THE ORGANIZATION'S GOVERNING BODY BEFORE IT IS FILED.
IRS990ScheduleO/GeneralExplanation/Explanation5OFFICERS, DIRECTORS, & COMMITTEE MEMBERS ARE REQUIRED TO DISCLOSE ANNUALLY INTERESTS THAT COULD GIVE RISE TO CONFLICTS.
IRS990ScheduleO/GeneralExplanation/Explanation6THE PROCESS FOR DETERMINING COMPENSATION OF THE CEO INCLUDES A REVIEW AND APPROVAL BY THE BOARD OF DIRECTORS, COMPARABILITY DATA, AND CONTEMPORANEOUS SUBSTANTIATION OF THE DELIBERATION AND DECISION.
IRS990ScheduleO/GeneralExplanation/Explanation7THE PROCESS FOR DETERMINING COMPENSATION OF OTHER EMPLOYEES INCLUDES A REVIEW AND APPROVAL BY THE BOARD OF DIRECTORS, COMPARABILITY DATA, AND CONTEMPORANEOUS SUBSTANTIATION OF THE DELIBERATION AND DECISION.
IRS990ScheduleO/GeneralExplanation/Explanation8THE BYLAWS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE TO THE PUBLIC UPON REQUEST. THE FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY ON A MONTHLY BASIS.
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ReturnHeader/Officer/Name0SUSAN M HUGHES
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ReturnHeader/Officer/Title0CEO/TREASURER
ReturnHeader/Preparer/DatePrepared02011-04-11
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10ADDISON & ADDISON PC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1020630 HARPER AVE STE 110
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0HARPER WOODS
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MI
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0482251448
ReturnHeader/Preparer/Name0JOHN T ADDISON II
ReturnHeader/Preparer/Phone03138814181
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ReturnHeader/TaxPeriodEndDate02010-12-31
ReturnHeader/TaxYear02010
ReturnHeader/Timestamp02011-04-12T11:20:34-05:00

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Peer Organizations

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