Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2015 • EIN 38-1480245

Jan 01, 2015 to Dec 31, 2015

Organization ProfileWWW.UNITEDECU.COM
Battle Creek, MI
Siviq Scores

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

Liabilities / Assets

70th percentile

0.91x

Higher debt load relative to assets than 70% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

86th percentile

23.85x

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

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

34th percentile

8.2%

Higher net margin than 34% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2015

Asset Growth

67th percentile

6.7%

Faster asset growth than 67% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

18th percentile

-1.3%

Faster revenue growth than 18% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets70th percentile

Assets

Up

$125,129,903

Up $7,903,202 (+6.7%) from 2014

Net Assets

Up

$11,565,945

Up $399,956 (+3.6%) from 2014

Liabilities

Up

$113,563,958

Up $7,503,246 (+7.1%) from 2014

Revenue And Expenses
Liabilities / Revenue86th percentileNet Margin34th percentile

Revenue

Down

$4,761,554

Down $62,863 (-1.3%) from 2014

Expenses

Up

$4,369,479

Up $230,247 (+5.6%) from 2014

Net Income

Down

$392,075

Down $293,110 (-43%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth67th percentile

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

$400M$300M$200M$100M$0Assets 2010: $104,333,910Liabilities 2010: $95,312,341Net Assets 2010: $9,021,5692010Assets 2011: $110,174,603Liabilities 2011: $100,259,960Net Assets 2011: $9,914,6432011Assets 2012: $113,537,909Liabilities 2012: $102,832,454Net Assets 2012: $10,705,4552012Assets 2013: $116,360,929Liabilities 2013: $106,464,732Net Assets 2013: $9,896,1972013Assets 2014: $117,226,701Liabilities 2014: $106,060,712Net Assets 2014: $11,165,9892014Assets 2015: $125,129,903Liabilities 2015: $113,563,958Net Assets 2015: $11,565,9452015Assets 2016: $143,005,495Liabilities 2016: $129,631,992Net Assets 2016: $13,373,5032016Assets 2017: $141,418,411Liabilities 2017: $127,685,946Net Assets 2017: $13,732,4652017Assets 2018: $173,046,159Liabilities 2018: $156,568,061Net Assets 2018: $16,478,0982018Assets 2019: $179,407,752Liabilities 2019: $162,482,346Net Assets 2019: $16,925,4062019Assets 2020: $215,814,531Liabilities 2020: $198,313,463Net Assets 2020: $17,501,0682020Assets 2021: $224,804,382Liabilities 2021: $206,588,993Net Assets 2021: $18,215,3892021Assets 2022: $222,746,006Liabilities 2022: $204,744,291Net Assets 2022: $18,001,7152022Assets 2023: $224,315,902Liabilities 2023: $204,073,087Net Assets 2023: $20,242,8152023Assets 2024: $364,563,300Liabilities 2024: $327,812,474Net Assets 2024: $36,750,8262024

Highlighted filing

2015

Assets$125,129,903
Liabilities$113,563,958
Net Assets$11,565,945
Open 2015 Filing

Operations Trend

Revenue Growth18th percentile

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

$30M$20M$10M$0-$10MExpenses 2010: $4,896,8192010Expenses 2011: $4,779,1752011Expenses 2012: $4,369,7942012Revenue 2013: $4,553,366Expenses 2013: $3,957,622Net Income 2013: $595,7442013Revenue 2014: $4,824,417Expenses 2014: $4,139,232Net Income 2014: $685,1852014Revenue 2015: $4,761,554Expenses 2015: $4,369,479Net Income 2015: $392,0752015Revenue 2016: $5,538,876Expenses 2016: $4,940,754Net Income 2016: $598,1222016Revenue 2017: $6,507,194Expenses 2017: $6,023,150Net Income 2017: $484,0442017Revenue 2018: $10,509,831Expenses 2018: $9,885,542Net Income 2018: $624,2892018Revenue 2019: $10,762,798Expenses 2019: $10,958,538Net Income 2019: -$195,7402019Revenue 2020: $11,872,214Expenses 2020: $11,747,035Net Income 2020: $125,1792020Revenue 2021: $12,892,279Expenses 2021: $11,999,280Net Income 2021: $892,9992021Revenue 2022: $13,169,848Expenses 2022: $12,477,470Net Income 2022: $692,3782022Revenue 2023: $18,467,433Expenses 2023: $15,279,739Net Income 2023: $3,187,6942023Revenue 2024: $24,499,429Expenses 2024: $23,650,396Net Income 2024: $849,0332024

Highlighted filing

2015

Revenue$4,761,554
Expenses$4,369,479
Net Income$392,075
Open 2015 Filing
Filing Detail Status

This 2015 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

View Latest Detailed Filing (2024)
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Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Mission and Program Overview

Mission

United educational credit union is the bridge that gives people hope that tomorrow can be a better day. Uecu is made up of honest people whose sole purpose is to take care of the financial needs of our members. We expanded our ability to provide state of the art delivery channels by converting our core data processing services in 2008.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$125,129,903
Liabilities
$113,563,958
Net assets
$11,565,945
Revenue
$4,761,554
Expenses
$4,369,479
Net income
$392,075
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$365$328$36.8$24.5$23.7$0.85
2023Detailed filing. Detailed filing data is available for this year.$224$204$20.2$18.5$15.3$3.19
2022Detailed filing. Detailed filing data is available for this year.$223$205$18.0$13.2$12.5$0.69
2021Detailed filing. Detailed filing data is available for this year.$225$207$18.2$12.9$12.0$0.89
2020Detailed filing. Detailed filing data is available for this year.$216$198$17.5$11.9$11.7$0.13
2019Detailed filing. Detailed filing data is available for this year.$179$162$16.9$10.8$11.0$0.20
2018Detailed filing. Detailed filing data is available for this year.$173$157$16.5$10.5$9.89$0.62
2017Detailed filing. Detailed filing data is available for this year.$141$128$13.7$6.51$6.02$0.48
2016Detailed filing. Detailed filing data is available for this year.$143$130$13.4$5.54$4.94$0.60
2015Summary only. Only limited summary data is available for this year.$125$114$11.6$4.76$4.37$0.39
2014Detailed filing. Detailed filing data is available for this year.$117$106$11.2$4.82$4.14$0.69
2013Detailed filing. Detailed filing data is available for this year.$116$106$9.90$4.55$3.96$0.60
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$114$103$10.7$4.37
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$110$100$9.91$4.78
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$104$95.3$9.02$4.90