Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2010 • EIN 38-1559604

Jan 01, 2010 to Dec 31, 2010 • Filed on May 10, 2011

Organization Profilewww.tricu.org

View Organization Page

905 Pennoyer49417
Siviq Scores

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

Liabilities / Assets

77th percentile

0.90x

Higher debt load relative to assets than 77% of similar nonprofits.

2010 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets77th percentile

Assets

$22,251,072

No earlier filing loaded for comparison.

Net Assets

$2,256,006

No earlier filing loaded for comparison.

Liabilities

$19,995,066

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$1,124,292

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$60M$40M$20M$0Assets 2010: $22,251,072Liabilities 2010: $19,995,066Net Assets 2010: $2,256,0062010Assets 2011: $25,028,947Liabilities 2011: $22,699,352Net Assets 2011: $2,329,5952011Assets 2012: $26,116,894Liabilities 2012: $23,656,886Net Assets 2012: $2,460,0082012Assets 2013: $28,524,641Liabilities 2013: $25,910,020Net Assets 2013: $2,614,6212013Assets 2014: $28,300,914Liabilities 2014: $25,564,542Net Assets 2014: $2,736,3722014Assets 2015: $30,439,791Liabilities 2015: $27,579,651Net Assets 2015: $2,860,1402015Assets 2016: $33,251,246Liabilities 2016: $30,161,008Net Assets 2016: $3,090,2382016Assets 2017: $31,920,668Liabilities 2017: $28,629,840Net Assets 2017: $3,290,8282017Assets 2018: $31,946,942Liabilities 2018: $28,225,037Net Assets 2018: $3,721,9052018Assets 2019: $33,861,433Liabilities 2019: $29,717,766Net Assets 2019: $4,143,6672019Assets 2020: $41,171,681Liabilities 2020: $36,774,013Net Assets 2020: $4,397,6682020Assets 2021: $48,237,871Liabilities 2021: $43,508,399Net Assets 2021: $4,729,4722021Assets 2022: $47,836,843Liabilities 2022: $42,192,217Net Assets 2022: $5,644,6262022Assets 2023: $48,034,282Liabilities 2023: $42,120,076Net Assets 2023: $5,914,2062023

Highlighted filing

2010

Assets$22,251,072
Liabilities$19,995,066
Net Assets$2,256,006
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0Expenses 2010: $1,124,2922010Expenses 2011: $1,023,9462011Expenses 2012: $941,0802012Revenue 2013: $1,055,971Expenses 2013: $901,358Net Income 2013: $154,6132013Revenue 2014: $1,077,517Expenses 2014: $955,766Net Income 2014: $121,7512014Revenue 2015: $1,080,114Expenses 2015: $956,346Net Income 2015: $123,7682015Revenue 2016: $1,117,011Expenses 2016: $886,913Net Income 2016: $230,0982016Revenue 2017: $1,204,953Expenses 2017: $1,004,363Net Income 2017: $200,5902017Revenue 2018: $1,419,949Expenses 2018: $988,872Net Income 2018: $431,0772018Revenue 2019: $1,621,090Expenses 2019: $1,199,328Net Income 2019: $421,7622019Revenue 2020: $1,590,033Expenses 2020: $1,336,032Net Income 2020: $254,0012020Revenue 2021: $1,601,833Expenses 2021: $1,270,029Net Income 2021: $331,8042021Revenue 2022: $2,311,299Expenses 2022: $1,396,145Net Income 2022: $915,1542022Revenue 2023: $2,204,309Expenses 2023: $1,745,982Net Income 2023: $458,3272023

Highlighted filing

2010

Revenue-
Expenses$1,124,292
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
May 10, 2011
Return Version
2010v3.2
Gross Receipts
$1,214,621
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 real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2010 was 1,524.
Filing and Contact Details

Filer

EIN
38-1559604
Raw XML AppendixShowing 400 of 436 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/Explanation0Documents are posted in lobby for public inspection. Copies are furnished upon request.
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 governed by NCUA guidelines. Board members do not vote on related issues.
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/Explanation4Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation5Section 501c(14) Credit Union is composed of members.
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IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 11
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990, Part VI, Line 6
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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 11: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
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IRS990/TotalProgramServiceRevenue0978989
IRS990/TotalReportableCompFromOrg0108993
IRS990/TotalRevenueCurrentYear01200163
IRS990/TotalRevenuePriorYear01283358
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome01187059

Document Assets

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Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$22,251,072
Liabilities
$19,995,066
Net assets
$2,256,006
Revenue
-
Expenses
$1,124,292
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.$48.0$42.1$5.91$2.20$1.75$0.46
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$47.8$42.2$5.64$2.31$1.40$0.92
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$48.2$43.5$4.73$1.60$1.27$0.33
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.2$36.8$4.40$1.59$1.34$0.25
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.9$29.7$4.14$1.62$1.20$0.42
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.9$28.2$3.72$1.42$0.99$0.43
2017Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$31.9$28.6$3.29$1.20$1.00$0.20
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.3$30.2$3.09$1.12$0.89$0.23
2015Detailed filing. Detailed filing data is available for this year.$30.4$27.6$2.86$1.08$0.96$0.12
2014Detailed filing. Detailed filing data is available for this year.$28.3$25.6$2.74$1.08$0.96$0.12
2013Detailed filing. Detailed filing data is available for this year.$28.5$25.9$2.61$1.06$0.90$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.1$23.7$2.46$0.94
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.0$22.7$2.33$1.02
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.3$20.0$2.26$1.12