Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2012 • EIN 38-1489465

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 03, 2013

Organization Profilewww.embers.org

View Organization Page

1001 West Baraga Ave49855
Siviq Scores

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

Liabilities / Assets

17th percentile

0.86x

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

2012 filings • 501(c)14 • $100M-$250M 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

83rd percentile

9.0%

Faster asset growth than 83% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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 / Assets17th percentile

Assets

Up

$137,968,916

Up $11,420,191 (+9.0%) from 2011

Net Assets

Up

$19,719,392

Up $700,337 (+3.7%) from 2011

Liabilities

Up

$118,249,524

Up $10,719,854 (+10.0%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$4,504,546

Up $97,442 (+2.2%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth83rd percentile

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

$600M$400M$200M$0Assets 2010: $120,323,291Liabilities 2010: $102,916,222Net Assets 2010: $17,407,0692010Assets 2011: $126,548,725Liabilities 2011: $107,529,670Net Assets 2011: $19,019,0552011Assets 2012: $137,968,916Liabilities 2012: $118,249,524Net Assets 2012: $19,719,3922012Assets 2013: $138,252,939Liabilities 2013: $118,369,589Net Assets 2013: $19,883,3502013Assets 2014: $145,690,383Liabilities 2014: $124,645,584Net Assets 2014: $21,044,7992014Assets 2015: $155,985,194Liabilities 2015: $133,399,438Net Assets 2015: $22,585,7562015Assets 2016: $163,458,437Liabilities 2016: $139,643,604Net Assets 2016: $23,814,8332016Assets 2017: $164,256,454Liabilities 2017: $138,870,157Net Assets 2017: $25,386,2972017Assets 2018: $176,724,593Liabilities 2018: $149,741,300Net Assets 2018: $26,983,2932018Assets 2019: $234,458,662Liabilities 2019: $201,636,798Net Assets 2019: $32,821,8642019Assets 2020: $456,299,976Liabilities 2020: $397,692,889Net Assets 2020: $58,607,0872020Assets 2021: $491,728,057Liabilities 2021: $434,047,021Net Assets 2021: $57,681,0362021Assets 2022: $485,631,668Liabilities 2022: $441,781,591Net Assets 2022: $43,850,0772022Assets 2023: $515,551,996Liabilities 2023: $466,876,540Net Assets 2023: $48,675,4562023Assets 2024: $548,839,668Liabilities 2024: $494,764,522Net Assets 2024: $54,075,1462024

Highlighted filing

2012

Assets$137,968,916
Liabilities$118,249,524
Net Assets$19,719,392
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0Expenses 2010: $4,498,0232010Expenses 2011: $4,407,1042011Expenses 2012: $4,504,5462012Revenue 2013: $5,796,088Expenses 2013: $4,743,875Net Income 2013: $1,052,2132013Revenue 2014: $5,962,984Expenses 2014: $4,839,434Net Income 2014: $1,123,5502014Revenue 2015: $6,422,938Expenses 2015: $4,793,802Net Income 2015: $1,629,1362015Revenue 2016: $7,140,029Expenses 2016: $5,510,151Net Income 2016: $1,629,8782016Revenue 2017: $7,741,477Expenses 2017: $5,956,855Net Income 2017: $1,784,6222017Revenue 2018: $8,594,695Expenses 2018: $6,371,090Net Income 2018: $2,223,6052018Revenue 2019: $11,228,933Expenses 2019: $10,356,916Net Income 2019: $872,0172019Revenue 2020: $15,884,770Expenses 2020: $14,931,153Net Income 2020: $953,6172020Revenue 2021: $19,135,519Expenses 2021: $16,204,713Net Income 2021: $2,930,8062021Revenue 2022: $21,128,039Expenses 2022: $18,149,828Net Income 2022: $2,978,2112022Revenue 2023: $25,332,798Expenses 2023: $22,632,248Net Income 2023: $2,700,5502023Revenue 2024: $29,891,836Expenses 2024: $27,837,493Net Income 2024: $2,054,3432024

Highlighted filing

2012

Revenue-
Expenses$4,504,546
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 3, 2013
Return Version
2012v2.0
Gross Receipts
$5,569,263
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 12/31/2012 was 7,327.
Filing and Contact Details

Filer

EIN
38-1489465
Raw XML AppendixShowing 400 of 463 raw XML fields

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IRS990ScheduleL/LoanTable/NameBusiness/BusinessNameLine10NA per 2012 Instructions
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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
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0MI
IRS990/SubjectToProxyTax0false
IRS990/TaxableDistributions0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine101001 West Baraga Ave
IRS990/TheBooksAreInCareOf/AddressUS/City0Marquette
IRS990/TheBooksAreInCareOf/AddressUS/State0MI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode049855
IRS990/TheBooksAreInCareOf/NamePerson0Tom Blake
IRS990/TheBooksAreInCareOf/TelephoneNumber09062287080
IRS990/TotalAssets/BOY0126548725
IRS990/TotalAssetsBOY0126548725
IRS990/TotalAssets/EOY0137968916
IRS990/TotalAssetsEOY0137968916
IRS990/TotalCompGT150K0false
IRS990/TotalContributions00
IRS990/TotalExpensesCurrentYear04504546

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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
$137,968,916
Liabilities
$118,249,524
Net assets
$19,719,392
Revenue
-
Expenses
$4,504,546
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$549$495$54.1$29.9$27.8$2.05
2023Detailed filing. Detailed filing data is available for this year.$516$467$48.7$25.3$22.6$2.70
2022Detailed filing. Detailed filing data is available for this year.$486$442$43.9$21.1$18.1$2.98
2021Detailed filing. Detailed filing data is available for this year.$492$434$57.7$19.1$16.2$2.93
2020Detailed filing. Detailed filing data is available for this year.$456$398$58.6$15.9$14.9$0.95
2019Detailed filing. Detailed filing data is available for this year.$234$202$32.8$11.2$10.4$0.87
2018Summary only. Only limited summary data is available for this year.$177$150$27.0$8.59$6.37$2.22
2017Detailed filing. Detailed filing data is available for this year.$164$139$25.4$7.74$5.96$1.78
2016Detailed filing. Detailed filing data is available for this year.$163$140$23.8$7.14$5.51$1.63
2015Detailed filing. Detailed filing data is available for this year.$156$133$22.6$6.42$4.79$1.63
2014Detailed filing. Detailed filing data is available for this year.$146$125$21.0$5.96$4.84$1.12
2013Detailed filing. Detailed filing data is available for this year.$138$118$19.9$5.80$4.74$1.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$138$118$19.7$4.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$127$108$19.0$4.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$120$103$17.4$4.50