Civic Intelligence

Unknown Organization

EIN 38-1463671 • 501(c)14

Profile

Provide financial services and products to members.

1122 South Getty Street49442

na

Siviq Scores

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

Liabilities / Assets

71st percentile

0.89x

Higher debt load relative to assets than 71% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

73rd percentile

18.44x

Higher debt load relative to revenue than 73% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

5th percentile

-49%

Higher net margin than 5% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

32nd percentile

$44,124

Higher top officer pay than 32% of similar nonprofits.

Top officer pay equals 15.0% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2013

Asset Growth

69th percentile

1.7%

Faster asset growth than 69% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$6,117,208

Up $99,309 (+1.7%) from 2012

Liabilities

Up

$5,415,974

Up $239,943 (+4.6%) from 2012

Net Assets

Down

$701,234

Down $140,634 (-17%) from 2012

Operations
Liabilities / Revenue73rd percentileNet Margin5th percentile

Revenue

$293,753

No earlier filing loaded for comparison.

Expenses

Down

$438,848

Down $137,225 (-24%) from 2012

Net Income

-$145,095

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth69th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2011: $6,493,354Liabilities 2011: $5,452,658Net Assets 2011: $1,040,6962011Assets 2012: $6,017,899Liabilities 2012: $5,176,031Net Assets 2012: $841,8682012Assets 2013: $6,117,208Liabilities 2013: $5,415,974Net Assets 2013: $701,2342013

Highlighted filing

2013

Assets$6,117,208
Liabilities$5,415,974
Net Assets$701,234
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0-$200KExpenses 2011: $518,7732011Expenses 2012: $576,0732012Revenue 2013: $293,753Expenses 2013: $438,848Net Income 2013: -$145,0952013

Highlighted filing

2013

Revenue$293,753
Expenses$438,848
Net Income-$145,095
Open 2013 Filing

Filings

Most recent year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,117,208
Liabilities
$5,415,974
Net assets
$701,234
Revenue
$293,753
Expenses
$438,848
Net income
-$145,095
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$6.12$5.42$0.70$0.29$0.44$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.02$5.18$0.84$0.58
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.49$5.45$1.04$0.52
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Feb 8, 2014
Return Version
2013v3.1
Gross Receipts
$293,753
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,181,139$2,574,579▲ $393,440
Other Notes and Loans Receivable, Net$2,548,261$1,797,336▼ $750,925
Investments Other Securities$886,200$1,286,200▲ $400,000
Rtn Earn Endowment Incm Other Fnds$841,868$701,234▼ $140,634
Land, Buildings, and Equipment, Net$200,199$197,226▼ $2,973
Cash and Non-Interest-Bearing Accounts$113,606$99,040▼ $14,566
Prepaid Expenses and Deferred Charges$11,424$13,379▲ $1,955
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$6,017,899$6,117,208▲ $99,309
Other Assets Total$77,070$149,448▲ $72,378
Liabilities
Other Liabilities$5,141,241$5,365,520▲ $224,279
Accounts Payable and Accrued Expenses$34,790$50,454▲ $15,664
Total Liabilities$5,176,031$5,415,974▲ $239,943
Net Assets / Fund Balance
Total Net Assets Fund Balance$841,868$701,234▼ $140,634
Total Liabilities and Net Assets / Fund Balance$6,017,899$6,117,208▲ $99,309

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$171,808$44,696$216,504
Equipment$8,508$34,428$42,936
Other Land Buildings$3,910$26,856$30,766
Land$13,000-$13,000
Leasehold Improvements-$2,800$2,800
Compensation and Service Providers
Top Officer Pay32nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mary HeethouseManagerFT$44,124$44,124

Board Members and Trustees

NameTitle
Dan FreinPresident
Dennis HamacherVice President
Austin RankinDirector
John BarkelDirector
Larry GriffithDirector
Andrea HallSecretary
Larry BushTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$259,968
Investment Income
$26,254
Other Revenue
$7,531
Change in Net Assets
$-145,095
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$280,987
Salaries, Compensation, and Employee Benefits$157,861
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$92,797
Current Officers, Directors, Trustees, and Key Employees---$44,124
Information Technology---$26,527
Interest---$24,776
Occupancy---$21,177
Payroll Taxes---$19,124
Insurance---$12,676
Depreciation Depletion---$12,501
Office Expenses---$11,782
Fees for Services Accounting---$10,680
Fees for Services Other---$5,001
Other Expenses---$4,885
Travel---$2,327
Other Employee Benefits---$1,816
All Other Expenses---$1,653
Total Functional Expenses$0$0$0$438,848
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$4,800,759
Member Deposit Accounts$564,761
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Section 501c(14) Credit Union is composed of members.”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Mergers are voted on by entire membership.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Credit 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.”

Filing and Contact Details

Filer

EIN
38-1463671
Phone
2317731370

Signing Officer

Name
Mary Heethouse
Title
Manager
Signed
2014-02-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mary Heethouse
Formed
1953
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
6
Employees
8
Volunteers
14

Preparer

Preparer
Robin Rivers
Phone
8005225820
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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/SupplementalInformationDetail/ExplanationTxt0Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Mergers are voted on by entire membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Credit 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/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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IRS990/USAddress/AddressLine101122 South Getty Street
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IRS990/USAddress/State0MI
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ReturnHeader/BuildTS02015-11-30 17:44:51Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0Mary Heethouse
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-02-08
ReturnHeader/Filer/BusinessName/BusinessNameLine10Muskegon Consumers Power Employees
ReturnHeader/Filer/BusinessName/BusinessNameLine20Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0MUSK
ReturnHeader/Filer/EIN0381463671
ReturnHeader/Filer/PhoneNum02317731370
ReturnHeader/Filer/USAddress/AddressLine101122 South Getty Street
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ReturnHeader/Filer/USAddress/State0MI
ReturnHeader/Filer/USAddress/ZIPCode049442
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine103615 NEWBURG ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0LOUISVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode040218
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820

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