Civic Intelligence

Credit Union Chartered in Michigan Veterans Health Administration Credit Un

990 • Fiscal year 2015 • EIN 38-1556347

Jan 01, 2015 to Dec 31, 2015

Organization ProfileN/A
Siviq Scores

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

Liabilities / Assets

49th percentile

0.83x

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

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

15th percentile

6.07x

Higher debt load relative to revenue than 15% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

48th percentile

2.8%

Higher net margin than 48% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2015

Asset Growth

3rd percentile

-42%

Faster asset growth than 3% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

92nd percentile

10%

Faster revenue growth than 92% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets49th percentile

Assets

Down

$2,032,533

Down $1,485,662 (-42%) from 2014

Net Assets

Up

$350,783

Up $7,630 (+2.2%) from 2014

Liabilities

Down

$1,681,660

Down $1,493,382 (-47%) from 2014

Revenue And Expenses
Liabilities / Revenue15th percentileNet Margin48th percentile

Revenue

Up

$277,195

Up $25,393 (+10%) from 2014

Expenses

Up

$269,476

Up $27,155 (+11%) from 2014

Net Income

Down

$7,719

Down $1,762 (-19%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $3,500,402Liabilities 2011: $3,185,159Net Assets 2011: $315,2432011Assets 2012: $3,344,503Liabilities 2012: $3,026,956Net Assets 2012: $317,5472012Assets 2013: $2,846,589Liabilities 2013: $2,512,938Net Assets 2013: $333,6512013Assets 2014: $3,518,195Liabilities 2014: $3,175,042Net Assets 2014: $343,1532014Assets 2015: $2,032,533Liabilities 2015: $1,681,660Net Assets 2015: $350,7832015

Highlighted filing

2015

Assets$2,032,533
Liabilities$1,681,660
Net Assets$350,783
Open 2015 Filing

Operations Trend

Revenue Growth92nd percentile

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

$300K$200K$100K$0Revenue 2011: $272,089Expenses 2011: $253,387Net Income 2011: $18,7022011Revenue 2012: $255,344Expenses 2012: $244,498Net Income 2012: $10,8462012Revenue 2013: $237,153Expenses 2013: $221,049Net Income 2013: $16,1042013Revenue 2014: $251,802Expenses 2014: $242,321Net Income 2014: $9,4812014Revenue 2015: $277,195Expenses 2015: $269,476Net Income 2015: $7,7192015

Highlighted filing

2015

Revenue$277,195
Expenses$269,476
Net Income$7,719
Open 2015 Filing
Filing Detail Status

This 2015 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

View Latest Detailed Filing (2014)
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Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Mission and Program Overview

Mission

Provide financial services and products to members.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$2,032,533
Liabilities
$1,681,660
Net assets
$350,783
Revenue
$277,195
Expenses
$269,476
Net income
$7,719
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Summary only. Only limited summary data is available for this year.$2.03$1.68$0.35$0.28$0.27$0.01
2014Detailed filing. Detailed filing data is available for this year.$3.52$3.18$0.34$0.25$0.24$0.01
2013Detailed filing. Detailed filing data is available for this year.$2.85$2.51$0.33$0.24$0.22$0.02
2012Summary only. Only limited summary data is available for this year.$3.34$3.03$0.32$0.26$0.24$0.01
2011Summary only. Only limited summary data is available for this year.$3.50$3.19$0.32$0.27$0.25$0.02
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $1M-$5M nonprofits