Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2012 • EIN 38-1502320

Jan 01, 2012 to Dec 31, 2012 • Filed on Feb 15, 2013

Organization Profilewww.safeharborcu.org
1200 East Tinkham Ave PO Box 98049431
Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$40,463,311

Flat from 2012

Net Assets

Flat

$3,330,856

Flat from 2012

Liabilities

Flat

$37,132,455

Flat from 2012

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$1,658,388

Flat from 2012

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$150M$100M$50M$0Assets 2011: $38,728,538Liabilities 2011: $35,447,986Net Assets 2011: $3,280,5522011Assets 2012: $40,463,311Liabilities 2012: $37,132,455Net Assets 2012: $3,330,8562012Assets 2012: $40,463,311Liabilities 2012: $37,132,455Net Assets 2012: $3,330,8562012Assets 2013: $41,664,354Liabilities 2013: $38,143,217Net Assets 2013: $3,521,1372013Assets 2014: $42,976,286Liabilities 2014: $39,134,568Net Assets 2014: $3,841,7182014Assets 2015: $45,612,806Liabilities 2015: $41,495,909Net Assets 2015: $4,116,8972015Assets 2016: $49,054,280Liabilities 2016: $44,329,273Net Assets 2016: $4,725,0072016Assets 2017: $55,500,247Liabilities 2017: $50,036,942Net Assets 2017: $5,463,3052017Assets 2018: $60,570,880Liabilities 2018: $54,153,837Net Assets 2018: $6,417,0432018Assets 2019: $68,656,173Liabilities 2019: $61,197,377Net Assets 2019: $7,458,7962019Assets 2020: $90,114,212Liabilities 2020: $81,381,342Net Assets 2020: $8,732,8702020Assets 2021: $115,789,005Liabilities 2021: $105,551,764Net Assets 2021: $10,237,2412021Assets 2022: $130,837,946Liabilities 2022: $119,650,107Net Assets 2022: $11,187,8392022Assets 2023: $144,959,154Liabilities 2023: $131,917,613Net Assets 2023: $13,041,5412023

Highlighted filing

2012

Assets$40,463,311
Liabilities$37,132,455
Net Assets$3,330,856
Open 2012 Filing

Operations Trend

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

$10M$5.0M$0Expenses 2011: $1,635,1512011Expenses 2012: $1,658,3882012Revenue 2012: $1,708,692Expenses 2012: $1,658,388Net Income 2012: $50,3042012Revenue 2013: $1,662,746Expenses 2013: $1,472,465Net Income 2013: $190,2812013Revenue 2014: $1,716,781Expenses 2014: $1,396,200Net Income 2014: $320,5812014Revenue 2015: $1,761,962Expenses 2015: $1,486,783Net Income 2015: $275,1792015Revenue 2016: $2,040,942Expenses 2016: $1,432,832Net Income 2016: $608,1102016Revenue 2017: $2,655,993Expenses 2017: $1,867,067Net Income 2017: $788,9262017Revenue 2018: $3,463,967Expenses 2018: $2,499,611Net Income 2018: $964,3562018Revenue 2019: $4,169,000Expenses 2019: $3,194,519Net Income 2019: $974,4812019Revenue 2020: $4,822,067Expenses 2020: $3,585,695Net Income 2020: $1,236,3722020Revenue 2021: $5,498,862Expenses 2021: $3,880,835Net Income 2021: $1,618,0272021Revenue 2022: $6,315,016Expenses 2022: $4,749,542Net Income 2022: $1,565,4742022Revenue 2023: $8,484,424Expenses 2023: $6,772,288Net Income 2023: $1,712,1362023

Highlighted filing

2012

Revenue-
Expenses$1,658,388
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Feb 15, 2013
Return Version
2012v2.0
Gross Receipts
$1,708,692
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 1,868.
Filing and Contact Details

Filer

EIN
38-1502320
Raw XML AppendixShowing 400 of 435 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/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 and 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/Explanation7Changed a bylaw changing the voting age from 16 to 18 years old.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Line 15b
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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/Identifier7Form 990, Part VI, Line 4
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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IRS990/TheBooksAreInCareOf/AddressUS/AddressLine101200 East Tinkham Ave PO Box 980
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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
$40,463,311
Liabilities
$37,132,455
Net assets
$3,330,856
Revenue
-
Expenses
$1,658,388
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$145$132$13.0$8.48$6.77$1.71
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$131$120$11.2$6.32$4.75$1.57
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$116$106$10.2$5.50$3.88$1.62
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$90.1$81.4$8.73$4.82$3.59$1.24
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$68.7$61.2$7.46$4.17$3.19$0.97
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$60.6$54.2$6.42$3.46$2.50$0.96
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.5$50.0$5.46$2.66$1.87$0.79
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$49.1$44.3$4.73$2.04$1.43$0.61
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.6$41.5$4.12$1.76$1.49$0.28
2014Detailed filing. Detailed filing data is available for this year.$43.0$39.1$3.84$1.72$1.40$0.32
2013Detailed filing. Detailed filing data is available for this year.$41.7$38.1$3.52$1.66$1.47$0.19
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.5$37.1$3.33$1.66
2012Summary only. Only limited summary data is available for this year.$40.5$37.1$3.33$1.71$1.66$0.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.7$35.4$3.28$1.64