Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 38-1509154

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 19, 2014

Organization ProfileN/A
10600 W Jefferson Ave Ste 20648218

(313) 297-0014

Siviq Scores

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

Liabilities / Assets

19th percentile

0.78x

Higher debt load relative to assets than 19% of similar nonprofits.

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

Liabilities / Revenue

65th percentile

21.26x

Higher debt load relative to revenue than 65% of similar nonprofits.

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

Net Margin

96th percentile

25%

Higher net margin than 96% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

17th percentile

-4.5%

Faster asset growth than 17% of similar nonprofits.

2013 filings • 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 / Assets19th percentile

Assets

Down

$5,174,528

Down $243,166 (-4.5%) from 2012

Net Assets

Up

$1,150,021

Up $8,274 (+0.7%) from 2012

Liabilities

Down

$4,024,507

Down $251,440 (-5.9%) from 2012

Revenue And Expenses
Liabilities / Revenue65th percentileNet Margin96th percentile

Revenue

$189,329

No earlier filing loaded for comparison.

Expenses

Down

$141,970

Down $97,158 (-41%) from 2012

Net Income

$47,359

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth17th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $5,087,688Liabilities 2010: $3,866,851Net Assets 2010: $1,220,8372010Assets 2011: $5,645,300Liabilities 2011: $4,531,795Net Assets 2011: $1,113,5052011Assets 2012: $5,417,694Liabilities 2012: $4,275,947Net Assets 2012: $1,141,7472012Assets 2013: $5,174,528Liabilities 2013: $4,024,507Net Assets 2013: $1,150,0212013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2013

Assets$5,174,528
Liabilities$4,024,507
Net Assets$1,150,021
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$200K$0-$200KExpenses 2010: $386,2892010Expenses 2011: $325,8442011Expenses 2012: $239,1282012Revenue 2013: $189,329Expenses 2013: $141,970Net Income 2013: $47,3592013Revenue 2014: $159,881Expenses 2014: $189,316Net Income 2014: -$29,4352014

Highlighted filing

2013

Revenue$189,329
Expenses$141,970
Net Income$47,359
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 19, 2014
Return Version
2013v3.1
Gross Receipts
$189,329
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$3,074,634$2,954,059▼ $120,575
Other Notes and Loans Receivable, Net$1,523,882$1,565,919▲ $42,037
Rtn Earn Endowment Incm Other Fnds$1,141,747$1,150,021▲ $8,274
Savings and Temporary Cash Investments$703,385$550,997▼ $152,388
Cash and Non-Interest-Bearing Accounts$42,124$33,014▼ $9,110
Prepaid Expenses and Deferred Charges$4,651$5,608▲ $957
Land, Buildings, and Equipment, Net$4,194$1,766▼ $2,428
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$5,420,370$5,174,528▼ $245,842
Other Assets Total$67,500$63,165▼ $4,335
Liabilities
Other Liabilities$4,259,964$4,016,121▼ $243,843
Accounts Payable and Accrued Expenses$18,659$8,386▼ $10,273
Total Liabilities$4,278,623$4,024,507▼ $254,116
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,141,747$1,150,021▲ $8,274
Total Liabilities and Net Assets / Fund Balance$5,420,370$5,174,528▼ $245,842

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,766-$1,766
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carol HorvathManagerFT$36,930$6,185$43,115

Board Members and Trustees

NameTitle
Kenneth LozonChairman
Anthony RinnaVice Chair
Dasumo MitchellBoard Member
Delores EvansBoard Member
William VromanBoard Member
Kelli BurkeSecretary
Kimberly BranchTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$110,334
Investment Income
$78,995
Other Revenue
$0
Change in Net Assets
$47,359
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$121,486
Other Expenses$20,484
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$46,280
Current Officers, Directors, Trustees, and Key Employees---$43,115
Insurance---$14,078
Pension Plan Contributions---$12,201
Office Expenses---$12,086
Other Employee Benefits---$11,960
Interest---$9,652
Payroll Taxes---$7,930
Fees for Services Accounting---$2,927
Depreciation Depletion---$2,434
Other Expenses---$1,563
All Other Expenses---$-34,695
Total Functional Expenses$0$0$0$141,970
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 Shares$3,735,446
Member Deposits$280,675
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
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

“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
38-1509154
Phone
3132970014

Signing Officer

Name
Carol Horvath
Title
Manager
Signed
2014-03-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Carol Horvath
Formed
1955
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
15

Preparer

Preparer
Robin Rivers
Phone
8005225820
Raw XML Appendix378 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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IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Credit 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/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05420370
IRS990/TotalAssetsEOYAmt05174528
IRS990/TotalAssetsGrp/BOYAmt05420370
IRS990/TotalAssetsGrp/EOYAmt05174528
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IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0141970
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04278623
IRS990/TotalLiabilitiesEOYAmt04024507
IRS990/TotalLiabilitiesGrp/BOYAmt04278623
IRS990/TotalLiabilitiesGrp/EOYAmt04024507
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01141747
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01150021
IRS990/TotalOtherCompensationAmt06185
IRS990/TotalProgramServiceRevenueAmt0110334
IRS990/TotalReportableCompFromOrgAmt036930
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0189329
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0189329
IRS990/TotalVolunteersCnt015
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05420370
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05174528
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1010600 W Jefferson Ave Ste 206
IRS990/USAddress/City0River Rouge
IRS990/USAddress/State0MI
IRS990/USAddress/ZIPCode048218
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Carol Horvath
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-19
ReturnHeader/Filer/BusinessName/BusinessNameLine10River Rouge Municipal Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0RIVE
ReturnHeader/Filer/EIN0381509154
ReturnHeader/Filer/PhoneNum03132970014
ReturnHeader/Filer/USAddress/AddressLine1010600 W Jefferson Ave Ste 206
ReturnHeader/Filer/USAddress/City0River Rouge
ReturnHeader/Filer/USAddress/State0MI
ReturnHeader/Filer/USAddress/ZIPCode048218
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
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Robin Rivers
ReturnHeader/ReturnTs02014-03-19T09:40:55-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$5,174,528
Liabilities
$4,024,507
Net assets
$1,150,021
Revenue
$189,329
Expenses
$141,970
Net income
$47,359
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.16$0.19$0.03
2013Detailed filing. Detailed filing data is available for this year.$5.17$4.02$1.15$0.19$0.14$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.42$4.28$1.14$0.24
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.65$4.53$1.11$0.33
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.09$3.87$1.22$0.39