Civic Intelligence

Credit Union Chartered in the State of Michigan Health One Credit Union

990 • Fiscal year 2012 • EIN 38-1550696

Jan 01, 2012 to Dec 31, 2012

Siviq Scores

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

Liabilities / Assets

58th percentile

0.88x

Higher debt load relative to assets than 58% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2012

Liabilities / Revenue

97th percentile

10.46x

Higher debt load relative to revenue than 97% of similar nonprofits.

2012 filings • $10M-$25M nonprofits • Source year 2012

Net Margin

54th percentile

4.2%

Higher net margin than 54% of similar nonprofits.

2012 filings • $10M-$25M nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

96th percentile

17%

Faster asset growth than 96% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2011 to 2012

Revenue Growth

31st percentile

-6.3%

Faster revenue growth than 31% of similar nonprofits.

2012 filings • $10M-$25M nonprofits • Annualized from 2011 to 2012

Assets

Up

$20,173,763

Up $2,905,706 (+17%) from 2011

Net Assets

Up

$2,455,812

Up $71,069 (+3.0%) from 2011

Liabilities

Up

$17,717,951

Up $2,834,637 (+19%) from 2011

Revenue

Down

$1,693,418

Down $114,298 (-6.3%) from 2011

Expenses

Down

$1,622,349

Down $119,434 (-6.9%) from 2011

Net Income

Up

$71,069

Up $5,136 (+7.8%) from 2011

Historical Trend

Balance Sheet Trend

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

$30M$20M$10M$0Assets 2010: $15,776,336Liabilities 2010: $13,457,526Net Assets 2010: $2,318,8102010Assets 2011: $17,268,057Liabilities 2011: $14,883,314Net Assets 2011: $2,384,7432011Assets 2012: $20,173,763Liabilities 2012: $17,717,951Net Assets 2012: $2,455,8122012Assets 2013: $19,670,038Liabilities 2013: $17,934,396Net Assets 2013: $1,735,6422013

Highlighted filing

2012

Assets$20,173,763
Liabilities$17,717,951
Net Assets$2,455,812

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,645,0712010Revenue 2011: $1,807,716Expenses 2011: $1,741,783Net Income 2011: $65,9332011Revenue 2012: $1,693,418Expenses 2012: $1,622,349Net Income 2012: $71,0692012Revenue 2013: $1,678,156Expenses 2013: $2,398,326Net Income 2013: -$720,1702013

Highlighted filing

2012

Revenue$1,693,418
Expenses$1,622,349
Net Income$71,069
Filing Detail Status

This 2012 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

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Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Mission and Program Overview

Mission

With integrity, encourage thrift among our members, create a source of credit at legitimate rates of interest, and provide an opportunity for our members to use and control their own money on a democratic basis in order to improve their economic and social standing.

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