Civic Intelligence

Rivers Edge Community Credit Union

990 • Fiscal year 2012 • EIN 38-1420780

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

Organization ProfileN/A
7240 Park Avenue48101-2040
Siviq Scores

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

Liabilities / Assets

86th percentile

0.92x

Higher debt load relative to assets than 86% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M 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

61st percentile

6.0%

Faster asset growth than 61% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M 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 / Assets86th percentile

Assets

Up

$89,330,722

Up $5,034,184 (+6.0%) from 2011

Net Assets

Up

$7,234,746

Up $706,485 (+11%) from 2011

Liabilities

Up

$82,095,976

Up $4,327,699 (+5.6%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$3,378,982

Down $488,126 (-13%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth61st percentile

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

$100M$50M$0Assets 2010: $82,122,106Liabilities 2010: $76,015,367Net Assets 2010: $6,106,7392010Assets 2011: $84,296,538Liabilities 2011: $77,768,277Net Assets 2011: $6,528,2612011Assets 2012: $89,330,722Liabilities 2012: $82,095,976Net Assets 2012: $7,234,7462012Assets 2013: $0Liabilities 2013: $0Net Assets 2013: $02013

Highlighted filing

2012

Assets$89,330,722
Liabilities$82,095,976
Net Assets$7,234,746
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $4,433,2592010Expenses 2011: $3,867,1082011Expenses 2012: $3,378,9822012Revenue 2013: $3,923,262Expenses 2013: $5,907,599Net Income 2013: -$1,984,3372013

Highlighted filing

2012

Revenue-
Expenses$3,378,982
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 10, 2013
Return Version
2012v2.0
Gross Receipts
$4,269,071
Mission and Program Overview

Mission

Building lifelong partnerships through personalized banking solutions.

Major Activities

Activity 2
Provide 5,226 loans including Vehicle, Personal, Mortgage, Home Equity, Recreational Vehicle, Share Secured and Credit Card loans.
Activity 3
Offer Automated Teller Machines, Bill Payment, Wire Transfers, Money Orders and various insurance programs.
Filing and Contact Details

Filer

EIN
38-1420780
Raw XML AppendixShowing 400 of 452 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/Explanation0Discontinued outgoing international wire transfer effective 10/1/12 due to regulatory compliance burden/expense and liability exposure.
IRS990ScheduleO/GeneralExplanation/Explanation1Audited Financial Statements were completed as of September 30. The Credit Union's tax year ends December 31, therefore Schedule D, Sections XI, XII and XIII cannot be completed.
IRS990ScheduleO/GeneralExplanation/Explanation2The Credit Union has a single class of members with equal rights of ownership, governance and voting.
IRS990ScheduleO/GeneralExplanation/Explanation3The Board of Directors is elected at the Annual Meeting. Each board member is elected for a three year term.
IRS990ScheduleO/GeneralExplanation/Explanation4State of Michigan by-laws are followed whenever a vote is required of the membership.
IRS990ScheduleO/GeneralExplanation/Explanation5A review is conducted by the President and Assistance Vice President of Accounting prior to submission to the IRS. The returns are made available to the Board of Directors for review.
IRS990ScheduleO/GeneralExplanation/Explanation6The Board of Director's Chairman has a standard set of questions that each board member answers regarding the President. The data is compiled and a rating is developed based on the responses provided. the salary is determined by using the CUES salary range book. An average salary is then created based on comparable asset size, number of members, geographic location, etc. Last compensation increase was in 2005, last review 2012. The President evaluates the management team members based upon the accomplishment of their job duties as listed in their Core Competency. The Board of Directors sets the salary range each year based upon information supplied by the President and AVP-HR. They create the salary range by reviewing the latest MCUL and CUNA salary survey. The salary is based upon overall performance of the core items and the approved salary range. The last compensation review was completed in 2012.
IRS990ScheduleO/GeneralExplanation/Explanation7Financial Statements are posted in the credit union lobby. Other documents and policies are available for public inspection during regular business hours at the primary office upon request.
IRS990ScheduleO/GeneralExplanation/Explanation8Change in OCI-Post Retirement Benefits: $-139,250.
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$89,330,722
Liabilities
$82,095,976
Net assets
$7,234,746
Revenue
-
Expenses
$3,378,982
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$3.92$5.91$1.98
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$89.3$82.1$7.23$3.38
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$84.3$77.8$6.53$3.87
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$82.1$76.0$6.11$4.43