Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2011 • EIN 38-1441242

Jan 01, 2011 to Dec 31, 2011 • Filed on May 18, 2012

Organization ProfileWWW.ELGACU.COM

View Organization Page

2303 S Center Road48519
Siviq Scores

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

Liabilities / Assets

76th percentile

0.92x

Higher debt load relative to assets than 76% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B 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

82nd percentile

9.5%

Faster asset growth than 82% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B 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 / Assets76th percentile

Assets

Up

$284,756,432

Up $24,739,554 (+9.5%) from 2010

Net Assets

Up

$23,693,405

Up $2,619,615 (+12%) from 2010

Liabilities

Up

$261,063,027

Up $22,119,939 (+9.3%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$20,757,269

Down $888,574 (-4.1%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth82nd percentile

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

$2.0B$1.5B$1.0B$500M$0Assets 2010: $260,016,878Liabilities 2010: $238,943,088Net Assets 2010: $21,073,7902010Assets 2011: $284,756,432Liabilities 2011: $261,063,027Net Assets 2011: $23,693,4052011Assets 2012: $316,589,813Liabilities 2012: $287,698,706Net Assets 2012: $28,891,1072012Assets 2013: $365,120,523Liabilities 2013: $329,250,160Net Assets 2013: $35,870,3632013Assets 2014: $387,170,738Liabilities 2014: $344,279,988Net Assets 2014: $42,890,7502014Assets 2015: $437,345,510Liabilities 2015: $382,985,478Net Assets 2015: $54,360,0322015Assets 2016: $490,394,031Liabilities 2016: $423,508,972Net Assets 2016: $66,885,0592016Assets 2017: $570,088,802Liabilities 2017: $489,524,749Net Assets 2017: $80,564,0532017Assets 2018: $660,931,409Liabilities 2018: $565,203,102Net Assets 2018: $95,728,3072018Assets 2019: $794,491,719Liabilities 2019: $683,397,660Net Assets 2019: $111,094,0592019Assets 2020: $1,060,468,798Liabilities 2020: $932,280,464Net Assets 2020: $128,188,3342020Assets 2021: $1,236,875,968Liabilities 2021: $1,087,187,042Net Assets 2021: $149,688,9262021Assets 2022: $1,416,776,548Liabilities 2022: $1,256,537,450Net Assets 2022: $160,239,0982022Assets 2023: $1,497,868,277Liabilities 2023: $1,310,039,442Net Assets 2023: $187,828,8352023Assets 2024: $1,552,368,811Liabilities 2024: $1,335,223,604Net Assets 2024: $217,145,2072024

Highlighted filing

2011

Assets$284,756,432
Liabilities$261,063,027
Net Assets$23,693,405
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150M$100M$50M$0Expenses 2010: $21,645,8432010Expenses 2011: $20,757,2692011Expenses 2012: $21,458,3952012Revenue 2013: $28,185,690Expenses 2013: $20,900,131Net Income 2013: $7,285,5592013Revenue 2014: $30,784,312Expenses 2014: $23,802,928Net Income 2014: $6,981,3842014Revenue 2015: $34,638,456Expenses 2015: $23,134,486Net Income 2015: $11,503,9702015Revenue 2016: $38,130,595Expenses 2016: $25,636,615Net Income 2016: $12,493,9802016Revenue 2017: $44,217,771Expenses 2017: $30,569,086Net Income 2017: $13,648,6852017Revenue 2018: $51,927,755Expenses 2018: $36,648,268Net Income 2018: $15,279,4872018Revenue 2019: $56,196,393Expenses 2019: $40,870,402Net Income 2019: $15,325,9912019Revenue 2020: $60,859,425Expenses 2020: $44,308,630Net Income 2020: $16,550,7952020Revenue 2021: $71,459,461Expenses 2021: $48,156,847Net Income 2021: $23,302,6142021Revenue 2022: $86,734,421Expenses 2022: $58,435,103Net Income 2022: $28,299,3182022Revenue 2023: $108,697,736Expenses 2023: $81,246,313Net Income 2023: $27,451,4232023Revenue 2024: $123,097,040Expenses 2024: $95,636,518Net Income 2024: $27,460,5222024

Highlighted filing

2011

Revenue-
Expenses$20,757,269
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 18, 2012
Return Version
2011v1.2
Gross Receipts
$23,545,420
Mission and Program Overview

Mission

Provide financial services and products to members.

Major Activities

Activity 2
The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2011 was 22,593.
Filing and Contact Details

Filer

EIN
38-1441242
Raw XML AppendixShowing 400 of 496 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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IRS990/ScheduleJRequired0true
IRS990ScheduleJ/SeverancePayment0false
IRS990ScheduleJ/SupplementalNonqualRetirePlan0false
IRS990ScheduleL/LoanTable/ApprovedByBoard0true
IRS990ScheduleL/LoanTable/Default0false
IRS990ScheduleL/LoanTable/LoanFromOrganization0X
IRS990ScheduleL/LoanTable/NameBusiness/BusinessNameLine10No loans requiring reporting
IRS990ScheduleL/LoanTable/PurposeOfLoan0per 10/21/11 Instructions
IRS990ScheduleL/LoanTable/WrittenAgreement0true
IRS990ScheduleO/GeneralExplanation/Explanation0Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.
IRS990ScheduleO/GeneralExplanation/Explanation1Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/GeneralExplanation/Explanation2Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.
IRS990ScheduleO/GeneralExplanation/Explanation3Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/GeneralExplanation/Explanation4Mergers are voted on by entire membership.
IRS990ScheduleO/GeneralExplanation/Explanation5Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation6Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Line 15b
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 12c
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 11
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 7b

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$284,756,432
Liabilities
$261,063,027
Net assets
$23,693,405
Revenue
-
Expenses
$20,757,269
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,552$1,335$217$123$95.6$27.5
2023Detailed filing. Detailed filing data is available for this year.$1,498$1,310$188$109$81.2$27.5
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,417$1,257$160$86.7$58.4$28.3
2021Detailed filing. Detailed filing data is available for this year.$1,237$1,087$150$71.5$48.2$23.3
2020Detailed filing. Detailed filing data is available for this year.$1,060$932$128$60.9$44.3$16.6
2019Detailed filing. Detailed filing data is available for this year.$794$683$111$56.2$40.9$15.3
2018Detailed filing. Detailed filing data is available for this year.$661$565$95.7$51.9$36.6$15.3
2017Detailed filing. Detailed filing data is available for this year.$570$490$80.6$44.2$30.6$13.6
2016Detailed filing. Detailed filing data is available for this year.$490$424$66.9$38.1$25.6$12.5
2015Detailed filing. Detailed filing data is available for this year.$437$383$54.4$34.6$23.1$11.5
2014Detailed filing. Detailed filing data is available for this year.$387$344$42.9$30.8$23.8$6.98
2013Detailed filing. Detailed filing data is available for this year.$365$329$35.9$28.2$20.9$7.29
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$317$288$28.9$21.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$285$261$23.7$20.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$260$239$21.1$21.6