Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2012 • EIN 38-1515480

Jan 01, 2012 to Dec 31, 2012 • Filed on Jun 17, 2013

Organization ProfileWWW.WANIGAS.COM

View Organization Page

1837 Bagley Street48601
Siviq Scores

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

Liabilities / Assets

32nd percentile

0.88x

Higher debt load relative to assets than 32% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B 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

17th percentile

2.2%

Faster asset growth than 17% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B 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 / Assets32nd percentile

Assets

Up

$269,001,764

Up $5,761,458 (+2.2%) from 2011

Net Assets

Up

$31,501,621

Up $3,204,522 (+11%) from 2011

Liabilities

Up

$237,500,143

Up $2,556,936 (+1.1%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$12,433,845

Down $710,640 (-5.4%) from 2011

Net Income

-

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.

$400M$300M$200M$100M$0Assets 2010: $245,558,656Liabilities 2010: $219,720,616Net Assets 2010: $25,838,0402010Assets 2011: $263,240,306Liabilities 2011: $234,943,207Net Assets 2011: $28,297,0992011Assets 2012: $269,001,764Liabilities 2012: $237,500,143Net Assets 2012: $31,501,6212012Assets 2013: $286,886,808Liabilities 2013: $253,408,593Net Assets 2013: $33,478,2152013Assets 2014: $298,255,800Liabilities 2014: $261,150,791Net Assets 2014: $37,105,0092014Assets 2015: $306,565,515Liabilities 2015: $266,690,031Net Assets 2015: $39,875,4842015Assets 2016: $326,110,499Liabilities 2016: $284,185,052Net Assets 2016: $41,925,4472016Assets 2017: $319,404,298Liabilities 2017: $275,494,620Net Assets 2017: $43,909,6782017Assets 2018: $325,627,583Liabilities 2018: $280,004,444Net Assets 2018: $45,623,1392018Assets 2019: $338,938,733Liabilities 2019: $289,296,766Net Assets 2019: $49,641,9672019Assets 2020: $389,774,873Liabilities 2020: $335,606,800Net Assets 2020: $54,168,0732020

Highlighted filing

2012

Assets$269,001,764
Liabilities$237,500,143
Net Assets$31,501,621
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$20M$15M$10M$5.0M$0Expenses 2010: $12,906,9642010Expenses 2011: $13,144,4852011Expenses 2012: $12,433,8452012Revenue 2013: $14,892,258Expenses 2013: $11,787,586Net Income 2013: $3,104,6722013Revenue 2014: $15,194,890Expenses 2014: $11,724,533Net Income 2014: $3,470,3572014Revenue 2015: $15,739,713Expenses 2015: $12,770,157Net Income 2015: $2,969,5562015Revenue 2016: $16,642,141Expenses 2016: $13,797,653Net Income 2016: $2,844,4882016Revenue 2017: $16,857,036Expenses 2017: $14,429,899Net Income 2017: $2,427,1372017Revenue 2018: $17,789,919Expenses 2018: $14,696,918Net Income 2018: $3,093,0012018Revenue 2019: $18,618,496Expenses 2019: $16,251,625Net Income 2019: $2,366,8712019Revenue 2020: $19,217,947Expenses 2020: $15,901,807Net Income 2020: $3,316,1402020

Highlighted filing

2012

Revenue-
Expenses$12,433,845
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Jun 17, 2013
Return Version
2012v2.0
Gross Receipts
$15,643,512
Mission and Program Overview

Mission

A member-owned financial cooperative dedicated to providing a full range of quality financial products and services that meet the ever-changing needs of our membership.

Major Activities

Activity 2
Provide 18,308 loans including Vehicle, Signature, Recreational Vehicle, Student, Mortgage, Home Equity, Overdraft Privilege, Overdraft Protection and Credit Card loans.
Activity 3
Offer Automated Teller Machines, Safe Deposit Boxes, Wire Transfers, Money Orders, Debit Cards and various insurance programs.
Filing and Contact Details

Filer

EIN
38-1515480
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IRS990ScheduleO/GeneralExplanation/Explanation0Audited Financial Statements were completed as of March 31. The Credit Union's tax year ends December 31, therefore Schedule D, Parts XI, XII and XIII cannot be completed.
IRS990ScheduleO/GeneralExplanation/Explanation1The Credit Union has a single class of members with equal rights of ownership, governance and voting.
IRS990ScheduleO/GeneralExplanation/Explanation2The Board of Directors is elected by membership ballot vote. Each Board member is elected for a three year term.
IRS990ScheduleO/GeneralExplanation/Explanation3Credit Union decisions that are subject to membership approval are mergers and change in charter.
IRS990ScheduleO/GeneralExplanation/Explanation4A review is conducted by the CEO and CFO prior to submission to the IRS to ensure completeness and accuracy. This information is reviewed by the Board of Directors prior to submission. The accounting department maintains the 990 Tax Return and supporting documentation.
IRS990ScheduleO/GeneralExplanation/Explanation5The policy is made available to all staff.
IRS990ScheduleO/GeneralExplanation/Explanation6The Credit Union adopted a market-value driven compensation strategy. They use market value and job content to set a market rate for each position. Managers can then use this input to make salary decisions. Overall application is approved by the Board of Directors. The last review was performed in 2012.
IRS990ScheduleO/GeneralExplanation/Explanation7Financial Statements are posted in the Credit Union lobby. Other documents and policies are available for review upon written request.
IRS990ScheduleO/GeneralExplanation/Explanation8Change in OCI- Post Retirement Adjustment: $280,178.
IRS990ScheduleO/GeneralExplanation/Identifier0F990_P04_S00_L12a
IRS990ScheduleO/GeneralExplanation/Identifier1F990_P06_S0A_L06
IRS990ScheduleO/GeneralExplanation/Identifier2F990_P06_S0A_L07a
IRS990ScheduleO/GeneralExplanation/Identifier3F990_P06_S0A_L07b
IRS990ScheduleO/GeneralExplanation/Identifier4F990_P06_S0B_L11b
IRS990ScheduleO/GeneralExplanation/Identifier5F990_P06_S0B_L12c
IRS990ScheduleO/GeneralExplanation/Identifier6F990_P06_S0B_L15

Document Assets

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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
$269,001,764
Liabilities
$237,500,143
Net assets
$31,501,621
Revenue
-
Expenses
$12,433,845
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$390$336$54.2$19.2$15.9$3.32
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$339$289$49.6$18.6$16.3$2.37
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$326$280$45.6$17.8$14.7$3.09
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$319$275$43.9$16.9$14.4$2.43
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$326$284$41.9$16.6$13.8$2.84
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$307$267$39.9$15.7$12.8$2.97
2014Detailed filing. Detailed filing data is available for this year.$298$261$37.1$15.2$11.7$3.47
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$287$253$33.5$14.9$11.8$3.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$269$238$31.5$12.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$263$235$28.3$13.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$246$220$25.8$12.9