Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2012 • EIN 38-1446160

Jan 01, 2012 to Dec 31, 2012 • Filed on Mar 16, 2013

Organization Profilewww.conprocu.org
525 West Willow Street48906
Siviq Scores

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

Liabilities / Assets

24th percentile

0.87x

Higher debt load relative to assets than 24% 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

13th percentile

-0.2%

Faster asset growth than 13% 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 / Assets24th percentile

Assets

Down

$73,851,726

Down $148,143 (-0.2%) from 2011

Net Assets

Up

$9,952,658

Up $235,122 (+2.4%) from 2011

Liabilities

Down

$63,899,068

Down $383,265 (-0.6%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$3,398,249

Down $479,212 (-12%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth13th percentile

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

$150M$100M$50M$0Assets 2010: $71,656,743Liabilities 2010: $62,000,948Net Assets 2010: $9,655,7952010Assets 2011: $73,999,869Liabilities 2011: $64,282,333Net Assets 2011: $9,717,5362011Assets 2012: $73,851,726Liabilities 2012: $63,899,068Net Assets 2012: $9,952,6582012Assets 2013: $73,390,626Liabilities 2013: $63,423,607Net Assets 2013: $9,967,0192013Assets 2014: $71,217,861Liabilities 2014: $60,721,220Net Assets 2014: $10,496,6412014Assets 2015: $72,900,323Liabilities 2015: $61,828,037Net Assets 2015: $11,072,2862015Assets 2016: $73,296,550Liabilities 2016: $61,803,598Net Assets 2016: $11,492,9522016Assets 2017: $74,011,378Liabilities 2017: $62,054,441Net Assets 2017: $11,956,9372017Assets 2018: $73,397,365Liabilities 2018: $60,821,829Net Assets 2018: $12,575,5362018Assets 2019: $76,087,235Liabilities 2019: $62,974,658Net Assets 2019: $13,112,5772019Assets 2020: $84,575,412Liabilities 2020: $71,110,857Net Assets 2020: $13,464,5552020Assets 2021: $89,634,619Liabilities 2021: $75,667,957Net Assets 2021: $13,966,6622021Assets 2022: $91,878,083Liabilities 2022: $77,232,946Net Assets 2022: $14,645,1372022Assets 2023: $134,080,796Liabilities 2023: $113,112,438Net Assets 2023: $20,968,3582023Assets 2024: $134,612,428Liabilities 2024: $111,829,607Net Assets 2024: $22,782,8212024

Highlighted filing

2012

Assets$73,851,726
Liabilities$63,899,068
Net Assets$9,952,658
Open 2012 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: $4,047,9822010Expenses 2011: $3,877,4612011Expenses 2012: $3,398,2492012Revenue 2013: $3,510,221Expenses 2013: $3,416,558Net Income 2013: $93,6632013Revenue 2014: $3,512,141Expenses 2014: $3,047,404Net Income 2014: $464,7372014Revenue 2015: $3,437,923Expenses 2015: $2,864,793Net Income 2015: $573,1302015Revenue 2016: $3,418,106Expenses 2016: $3,008,095Net Income 2016: $410,0112016Revenue 2017: $3,396,859Expenses 2017: $2,932,874Net Income 2017: $463,9852017Revenue 2018: $3,575,134Expenses 2018: $2,956,535Net Income 2018: $618,5992018Revenue 2019: $3,712,243Expenses 2019: $3,175,202Net Income 2019: $537,0412019Revenue 2020: $3,470,682Expenses 2020: $3,118,704Net Income 2020: $351,9782020Revenue 2021: $3,274,883Expenses 2021: $2,767,350Net Income 2021: $507,5332021Revenue 2022: $3,563,157Expenses 2022: $2,861,376Net Income 2022: $701,7812022Revenue 2023: $7,314,423Expenses 2023: $5,573,176Net Income 2023: $1,741,2472023Revenue 2024: $7,511,235Expenses 2024: $5,704,638Net Income 2024: $1,806,5972024

Highlighted filing

2012

Revenue-
Expenses$3,398,249
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Mar 16, 2013
Return Version
2012v2.0
Gross Receipts
$3,720,773
Mission and Program Overview

Mission

Will commit ourselves to building lifelong partnerships and giving the greatest service experience and to be the member's primary financial institution for life.

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 12/31/2012 was 3,589.
Filing and Contact Details

Filer

EIN
38-1446160
Raw XML AppendixShowing 400 of 426 raw XML fields

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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 11b
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 7b
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990, Part VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier6Form 990, Part VI, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$73,851,726
Liabilities
$63,899,068
Net assets
$9,952,658
Revenue
-
Expenses
$3,398,249
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$135$112$22.8$7.51$5.70$1.81
2023Detailed filing. Detailed filing data is available for this year.$134$113$21.0$7.31$5.57$1.74
2022Detailed filing. Detailed filing data is available for this year.$91.9$77.2$14.6$3.56$2.86$0.70
2021Detailed filing. Detailed filing data is available for this year.$89.6$75.7$14.0$3.27$2.77$0.51
2020Detailed filing. Detailed filing data is available for this year.$84.6$71.1$13.5$3.47$3.12$0.35
2019Detailed filing. Detailed filing data is available for this year.$76.1$63.0$13.1$3.71$3.18$0.54
2018Detailed filing. Detailed filing data is available for this year.$73.4$60.8$12.6$3.58$2.96$0.62
2017Detailed filing. Detailed filing data is available for this year.$74.0$62.1$12.0$3.40$2.93$0.46
2016Detailed filing. Detailed filing data is available for this year.$73.3$61.8$11.5$3.42$3.01$0.41
2015Detailed filing. Detailed filing data is available for this year.$72.9$61.8$11.1$3.44$2.86$0.57
2014Detailed filing. Detailed filing data is available for this year.$71.2$60.7$10.5$3.51$3.05$0.46
2013Detailed filing. Detailed filing data is available for this year.$73.4$63.4$9.97$3.51$3.42$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$73.9$63.9$9.95$3.40
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.0$64.3$9.72$3.88
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$71.7$62.0$9.66$4.05