Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2012 • EIN 38-1532613

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 06, 2013

Organization Profilewww.ewcu.net
1366 Porter Street48226
Siviq Scores

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

Liabilities / Assets

49th percentile

0.87x

Higher debt load relative to assets than 49% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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

82nd percentile

9.1%

Faster asset growth than 82% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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 / Assets49th percentile

Assets

Up

$11,354,749

Up $950,349 (+9.1%) from 2011

Net Assets

Down

$1,476,897

Down $3,408 (-0.2%) from 2011

Liabilities

Up

$9,877,852

Up $953,757 (+11%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$267,119

Down $20,682 (-7.2%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth82nd percentile

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

$20M$15M$10M$5.0M$0Assets 2011: $10,404,400Liabilities 2011: $8,924,095Net Assets 2011: $1,480,3052011Assets 2012: $11,354,749Liabilities 2012: $9,877,852Net Assets 2012: $1,476,8972012Assets 2013: $12,161,724Liabilities 2013: $10,698,818Net Assets 2013: $1,462,9062013Assets 2014: $12,492,136Liabilities 2014: $11,002,390Net Assets 2014: $1,489,7462014Assets 2015: $11,598,212Liabilities 2015: $10,070,544Net Assets 2015: $1,527,6682015Assets 2016: $12,093,531Liabilities 2016: $10,542,987Net Assets 2016: $1,550,5442016Assets 2017: $14,165,174Liabilities 2017: $12,588,017Net Assets 2017: $1,577,1572017Assets 2018: $14,709,208Liabilities 2018: $13,041,584Net Assets 2018: $1,667,6242018Assets 2019: $14,912,481Liabilities 2019: $13,129,340Net Assets 2019: $1,783,1412019Assets 2020: $17,817,125Liabilities 2020: $15,935,777Net Assets 2020: $1,881,3482020Assets 2021: $19,841,127Liabilities 2021: $17,902,144Net Assets 2021: $1,938,9832021Assets 2022: $19,588,980Liabilities 2022: $17,626,133Net Assets 2022: $1,962,8472022Assets 2023: $19,797,590Liabilities 2023: $17,730,961Net Assets 2023: $2,066,6292023

Highlighted filing

2012

Assets$11,354,749
Liabilities$9,877,852
Net Assets$1,476,897
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0-$200KExpenses 2011: $287,8012011Expenses 2012: $267,1192012Revenue 2013: $305,785Expenses 2013: $319,776Net Income 2013: -$13,9912013Revenue 2014: $363,864Expenses 2014: $337,024Net Income 2014: $26,8402014Revenue 2015: $362,857Expenses 2015: $324,935Net Income 2015: $37,9222015Revenue 2016: $374,542Expenses 2016: $351,666Net Income 2016: $22,8762016Revenue 2017: $412,531Expenses 2017: $385,918Net Income 2017: $26,6132017Revenue 2018: $485,051Expenses 2018: $394,584Net Income 2018: $90,4672018Revenue 2019: $526,540Expenses 2019: $411,023Net Income 2019: $115,5172019Revenue 2020: $526,430Expenses 2020: $428,223Net Income 2020: $98,2072020Revenue 2021: $467,567Expenses 2021: $409,932Net Income 2021: $57,6352021Revenue 2022: $471,202Expenses 2022: $447,338Net Income 2022: $23,8642022Revenue 2023: $594,495Expenses 2023: $485,614Net Income 2023: $108,8812023

Highlighted filing

2012

Revenue-
Expenses$267,119
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 6, 2013
Return Version
2012v2.0
Gross Receipts
$263,711
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 credit card, vehicle and other. The total number of loans outstanding at 12/31/2012 was 538.
Filing and Contact Details

Filer

EIN
38-1532613
Raw XML AppendixShowing 400 of 417 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 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/Explanation7Daniel Diamond and Mari Diamond have a family relationship.
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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 2
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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ReturnHeader/Filer/NameControl0ELEC
ReturnHeader/Filer/Phone03139636060
ReturnHeader/Filer/USAddress/AddressLine101366 Porter Street
ReturnHeader/Filer/USAddress/City0Detroit
ReturnHeader/Filer/USAddress/State0MI

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$11,354,749
Liabilities
$9,877,852
Net assets
$1,476,897
Revenue
-
Expenses
$267,119
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.$19.8$17.7$2.07$0.59$0.49$0.11
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.6$17.6$1.96$0.47$0.45$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.8$17.9$1.94$0.47$0.41$0.06
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.8$15.9$1.88$0.53$0.43$0.10
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.9$13.1$1.78$0.53$0.41$0.12
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.7$13.0$1.67$0.49$0.39$0.09
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.2$12.6$1.58$0.41$0.39$0.03
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.1$10.5$1.55$0.37$0.35$0.02
2015Detailed filing. Detailed filing data is available for this year.$11.6$10.1$1.53$0.36$0.32$0.04
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.5$11.0$1.49$0.36$0.34$0.03
2013Detailed filing. Detailed filing data is available for this year.$12.2$10.7$1.46$0.31$0.32$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.4$9.88$1.48$0.27
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.4$8.92$1.48$0.29