Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2012 • EIN 38-1602298

Jan 01, 2012 to Dec 31, 2012 • Filed on Aug 12, 2013

Organization Profilewww.tbacu.com

View Organization Page

PO Box 104949685-1049
Siviq Scores

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

Liabilities / Assets

25th percentile

0.87x

Higher debt load relative to assets than 25% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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

80th percentile

8.6%

Faster asset growth than 80% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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 / Assets25th percentile

Assets

Up

$159,423,365

Up $12,671,938 (+8.6%) from 2011

Net Assets

Up

$20,504,762

Up $2,323,871 (+13%) from 2011

Liabilities

Up

$138,918,603

Up $10,348,067 (+8.0%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$5,285,953

Down $447,218 (-7.8%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth80th percentile

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

$400M$300M$200M$100M$0Assets 2010: $139,597,783Liabilities 2010: $124,276,658Net Assets 2010: $15,321,1252010Assets 2011: $146,751,427Liabilities 2011: $128,570,536Net Assets 2011: $18,180,8912011Assets 2012: $159,423,365Liabilities 2012: $138,918,603Net Assets 2012: $20,504,7622012Assets 2013: $160,011,259Liabilities 2013: $137,788,789Net Assets 2013: $22,222,4702013Assets 2014: $179,863,612Liabilities 2014: $156,451,662Net Assets 2014: $23,411,9502014Assets 2015: $174,661,281Liabilities 2015: $148,561,563Net Assets 2015: $26,099,7182015Assets 2016: $191,325,200Liabilities 2016: $163,379,320Net Assets 2016: $27,945,8802016Assets 2017: $205,341,026Liabilities 2017: $175,753,465Net Assets 2017: $29,587,5612017Assets 2018: $218,594,615Liabilities 2018: $186,880,339Net Assets 2018: $31,714,2762018Assets 2019: $231,267,119Liabilities 2019: $197,448,074Net Assets 2019: $33,819,0452019Assets 2020: $279,941,839Liabilities 2020: $244,357,615Net Assets 2020: $35,584,2242020Assets 2021: $332,481,629Liabilities 2021: $293,226,049Net Assets 2021: $39,255,5802021Assets 2022: $344,647,354Liabilities 2022: $301,785,227Net Assets 2022: $42,862,1272022Assets 2023: $346,552,080Liabilities 2023: $299,684,699Net Assets 2023: $46,867,3812023Assets 2024: $368,914,484Liabilities 2024: $317,706,705Net Assets 2024: $51,207,7792024

Highlighted filing

2012

Assets$159,423,365
Liabilities$138,918,603
Net Assets$20,504,762
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0Expenses 2010: $6,892,8092010Expenses 2011: $5,733,1712011Expenses 2012: $5,285,9532012Revenue 2013: $7,139,922Expenses 2013: $5,437,023Net Income 2013: $1,702,8992013Revenue 2014: $7,674,136Expenses 2014: $5,921,444Net Income 2014: $1,752,6922014Revenue 2015: $7,691,815Expenses 2015: $6,075,377Net Income 2015: $1,616,4382015Revenue 2016: $8,488,205Expenses 2016: $6,648,154Net Income 2016: $1,840,0512016Revenue 2017: $9,171,648Expenses 2017: $7,517,735Net Income 2017: $1,653,9132017Revenue 2018: $10,364,334Expenses 2018: $8,213,505Net Income 2018: $2,150,8292018Revenue 2019: $10,899,094Expenses 2019: $8,842,554Net Income 2019: $2,056,5402019Revenue 2020: $11,309,058Expenses 2020: $9,643,221Net Income 2020: $1,665,8372020Revenue 2021: $11,959,829Expenses 2021: $8,343,991Net Income 2021: $3,615,8382021Revenue 2022: $12,556,006Expenses 2022: $9,525,692Net Income 2022: $3,030,3142022Revenue 2023: $17,795,248Expenses 2023: $12,527,027Net Income 2023: $5,268,2212023Revenue 2024: $20,758,463Expenses 2024: $16,169,434Net Income 2024: $4,589,0292024

Highlighted filing

2012

Revenue-
Expenses$5,285,953
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Aug 12, 2013
Return Version
2012v2.0
Gross Receipts
$7,862,668
Mission and Program Overview

Mission

To serve the community and build trusted relationships.

Major Activities

Activity 2
Provide 9,417 loans including vehicle, overdraft protection, mortgage, home equity, signature, credit card and recreational vehicle loans.
Activity 3
Offer automated teller machines, debit cards, money orders, safe deposit boxes, bill payment, travelers checks and various insurance programs.
Filing and Contact Details

Filer

EIN
38-1602298
Raw XML AppendixShowing 400 of 503 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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IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SupplementalNonqualRetirePlan00
IRS990ScheduleJ/WrittenEmploymentContract0X
IRS990ScheduleO/GeneralExplanation/Explanation0The Credit Union has a single class of members with equal rights of ownership, governance and voting.
IRS990ScheduleO/GeneralExplanation/Explanation1The Board of Directors are elected by the membership at the Annual Meeting. Each Board member is elected for a three year term.
IRS990ScheduleO/GeneralExplanation/Explanation2Credit Union decisions that are subject to membership approval are by-law changes.
IRS990ScheduleO/GeneralExplanation/Explanation3The Form 990 is presented at a Board of Directors meeting prior to submission to the IRS.
IRS990ScheduleO/GeneralExplanation/Explanation4The Board of Director's Compensation Committee completes a performance appraisal of the President/CEO annually. Salary increases are based on performance of pre-determined goals and company financial targets. The President/CEO performs annual evaluations of the Chief Financial Officer. Salary increases are based on overall performance. Both review processes were completed in 2012.
IRS990ScheduleO/GeneralExplanation/Explanation5Monthly Financial Statements are posted in the Credit Union lobby. Other documents and policies are available for review upon request.
IRS990ScheduleO/GeneralExplanation/Explanation6Membership Fees: $12,430; Change in OCI - FAS 158 Pension Adjustment: $ 71,733. Total to Form 990, Part XI, Line 9: $ 84,163
IRS990ScheduleO/GeneralExplanation/Identifier0F990_P06_S0A_L06
IRS990ScheduleO/GeneralExplanation/Identifier1F990_P06_S0A_L07a
IRS990ScheduleO/GeneralExplanation/Identifier2F990_P06_S0A_L07b
IRS990ScheduleO/GeneralExplanation/Identifier3F990_P06_S0B_L11b
IRS990ScheduleO/GeneralExplanation/Identifier4F990_P06_S0B_L15
IRS990ScheduleO/GeneralExplanation/Identifier5F990_P06_S0C_L19
IRS990ScheduleO/GeneralExplanation/Identifier6F990_P11_S00_L09
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, Line 7a

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
$159,423,365
Liabilities
$138,918,603
Net assets
$20,504,762
Revenue
-
Expenses
$5,285,953
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$369$318$51.2$20.8$16.2$4.59
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$347$300$46.9$17.8$12.5$5.27
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$345$302$42.9$12.6$9.53$3.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$332$293$39.3$12.0$8.34$3.62
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$280$244$35.6$11.3$9.64$1.67
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$231$197$33.8$10.9$8.84$2.06
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$219$187$31.7$10.4$8.21$2.15
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$205$176$29.6$9.17$7.52$1.65
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$191$163$27.9$8.49$6.65$1.84
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$175$149$26.1$7.69$6.08$1.62
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$180$156$23.4$7.67$5.92$1.75
2013Detailed filing. Detailed filing data is available for this year.$160$138$22.2$7.14$5.44$1.70
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$159$139$20.5$5.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$147$129$18.2$5.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$140$124$15.3$6.89