Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2010 • EIN 38-1456286

Jan 01, 2010 to Dec 31, 2010 • Filed on May 06, 2011

Organization Profilewww.unitycu.com
7240 East Twelve Mile Road48092
Siviq Scores

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

Liabilities / Assets

17th percentile

0.83x

Higher debt load relative to assets than 17% of similar nonprofits.

2010 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

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

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets17th percentile

Assets

$39,096,284

No earlier filing loaded for comparison.

Net Assets

$6,741,455

No earlier filing loaded for comparison.

Liabilities

$32,354,829

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$1,356,848

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$60M$40M$20M$0Assets 2010: $39,096,284Liabilities 2010: $32,354,829Net Assets 2010: $6,741,4552010Assets 2011: $48,750,839Liabilities 2011: $41,669,114Net Assets 2011: $7,081,7252011Assets 2012: $48,880,015Liabilities 2012: $41,650,706Net Assets 2012: $7,229,3092012Assets 2013: $46,717,028Liabilities 2013: $39,350,759Net Assets 2013: $7,366,2692013Assets 2014: $45,211,886Liabilities 2014: $37,847,141Net Assets 2014: $7,364,7452014Assets 2015: $46,128,972Liabilities 2015: $38,692,455Net Assets 2015: $7,436,5172015Assets 2016: $46,929,429Liabilities 2016: $39,327,045Net Assets 2016: $7,602,3842016Assets 2017: $47,112,961Liabilities 2017: $39,378,469Net Assets 2017: $7,734,4922017Assets 2018: $48,153,438Liabilities 2018: $40,103,974Net Assets 2018: $8,049,4642018Assets 2019: $48,770,129Liabilities 2019: $40,339,401Net Assets 2019: $8,430,7282019Assets 2020: $54,388,323Liabilities 2020: $45,757,027Net Assets 2020: $8,631,2962020

Highlighted filing

2010

Assets$39,096,284
Liabilities$32,354,829
Net Assets$6,741,455
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $1,356,8482010Expenses 2011: $1,488,0092011Expenses 2012: $1,294,9072012Revenue 2013: $1,171,098Expenses 2013: $1,047,209Net Income 2013: $123,8892013Revenue 2014: $1,134,835Expenses 2014: $1,046,425Net Income 2014: $88,4102014Revenue 2015: $1,113,467Expenses 2015: $1,038,834Net Income 2015: $74,6332015Revenue 2016: $1,235,001Expenses 2016: $1,069,134Net Income 2016: $165,8672016Revenue 2017: $1,193,056Expenses 2017: $1,060,948Net Income 2017: $132,1082017Revenue 2018: $1,461,437Expenses 2018: $1,146,465Net Income 2018: $314,9722018Revenue 2019: $1,675,752Expenses 2019: $1,294,488Net Income 2019: $381,2642019Revenue 2020: $1,352,829Expenses 2020: $1,152,261Net Income 2020: $200,5682020

Highlighted filing

2010

Revenue-
Expenses$1,356,848
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
May 6, 2011
Return Version
2010v3.2
Gross Receipts
$1,294,349
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 12/31/2010 was 1,878.
Filing and Contact Details

Filer

EIN
38-1456286
Raw XML AppendixShowing 400 of 406 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/Explanation0Documents are posted in lobby for public inspection. Copies are furnished upon request.
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 governed by NCUA guidelines. Board members do not vote on related issues.
IRS990ScheduleO/GeneralExplanation/Explanation3Management reviews tax returns and forwards US Form 88798-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/GeneralExplanation/Explanation4Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation5Section 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 7a
IRS990ScheduleO/GeneralExplanation/Identifier5Form 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 11: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
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IRS990/YearFormation01954
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0381456286
ReturnHeader/Filer/Name/BusinessNameLine10Unity Credit Union
ReturnHeader/Filer/NameControl0UNIT
ReturnHeader/Filer/Phone05865734110
ReturnHeader/Filer/USAddress/AddressLine107240 East Twelve Mile Road
ReturnHeader/Filer/USAddress/City0Warren
ReturnHeader/Filer/USAddress/State0MI
ReturnHeader/Filer/USAddress/ZIPCode048092
ReturnHeader/Officer/DateSigned02011-05-06
ReturnHeader/Officer/Name0Dennis Moriarity
ReturnHeader/Officer/Title0CEO
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine103615 NEWBURG ROAD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0LOUISVILLE
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0KY
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode040218

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$39,096,284
Liabilities
$32,354,829
Net assets
$6,741,455
Revenue
-
Expenses
$1,356,848
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$54.4$45.8$8.63$1.35$1.15$0.20
2019Detailed filing. Detailed filing data is available for this year.$48.8$40.3$8.43$1.68$1.29$0.38
2018Detailed filing. Detailed filing data is available for this year.$48.2$40.1$8.05$1.46$1.15$0.31
2017Detailed filing. Detailed filing data is available for this year.$47.1$39.4$7.73$1.19$1.06$0.13
2016Detailed filing. Detailed filing data is available for this year.$46.9$39.3$7.60$1.24$1.07$0.17
2015Detailed filing. Detailed filing data is available for this year.$46.1$38.7$7.44$1.11$1.04$0.07
2014Detailed filing. Detailed filing data is available for this year.$45.2$37.8$7.36$1.13$1.05$0.09
2013Detailed filing. Detailed filing data is available for this year.$46.7$39.4$7.37$1.17$1.05$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.9$41.7$7.23$1.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.8$41.7$7.08$1.49
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.1$32.4$6.74$1.36