Civic Intelligence

St Patrick Croswell Credit Union

990 • Fiscal year 2013 • EIN 38-1613802

Jan 01, 2013 to Dec 31, 2013 • Filed on Feb 10, 2014

Organization Profile
101 W Sanborn Ave PO Box 13248422-0132

(810) 679-3590

Siviq Scores

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

Liabilities / Assets

32nd percentile

0.78x

Higher debt load relative to assets than 32% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

70th percentile

21.62x

Higher debt load relative to revenue than 70% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

1st percentile

-296%

Higher net margin than 1% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

28th percentile

$9,970

Higher top officer pay than 28% of similar nonprofits.

Top officer pay equals 17.2% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

3rd percentile

-15%

Faster asset growth than 3% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Down

$1,612,119

Down $293,185 (-15%) from 2012

Net Assets

Down

$356,927

Down $166,344 (-32%) from 2012

Liabilities

Down

$1,255,192

Down $126,841 (-9.2%) from 2012

Revenue And Expenses
Liabilities / Revenue70th percentileNet Margin1st percentile

Revenue

$58,050

No earlier filing loaded for comparison.

Expenses

Up

$229,648

Up $172,544 (+302%) from 2012

Net Income

-$171,598

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,829,016Liabilities 2010: $1,307,408Net Assets 2010: $521,6082010Assets 2011: $1,805,388Liabilities 2011: $1,282,777Net Assets 2011: $522,6112011Assets 2012: $1,905,304Liabilities 2012: $1,382,033Net Assets 2012: $523,2712012Assets 2013: $1,612,119Liabilities 2013: $1,255,192Net Assets 2013: $356,9272013Assets 2014: $1,471,357Liabilities 2014: $1,132,767Net Assets 2014: $338,5902014

Highlighted filing

2013

Assets$1,612,119
Liabilities$1,255,192
Net Assets$356,927
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$200K$0-$200KExpenses 2010: $88,5172010Expenses 2011: $73,0152011Expenses 2012: $57,1042012Revenue 2013: $58,050Expenses 2013: $229,648Net Income 2013: -$171,5982013Revenue 2014: $58,527Expenses 2014: $76,864Net Income 2014: -$18,3372014

Highlighted filing

2013

Revenue$58,050
Expenses$229,648
Net Income-$171,598
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Feb 10, 2014
Return Version
2013v3.1
Gross Receipts
$58,050
Mission and Program Overview

Mission

Provide lending and banking services to the members of the organization.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$403,197$223,957▼ $179,240
Cash and Non-Interest-Bearing Accounts$308,035$194,090▼ $113,945
Total Assets$1,905,304$1,612,119▼ $293,185
Other Assets Total$1,194,072$1,194,072→ $0
Liabilities
Other Liabilities$1,382,033$1,255,192▼ $126,841
Total Liabilities$1,382,033$1,255,192▼ $126,841
Net Assets / Fund Balance
Unrestricted Net Assets$523,271$356,927▼ $166,344
Total Net Assets Fund Balance$523,271$356,927▼ $166,344
Total Liabilities and Net Assets / Fund Balance$1,905,304$1,612,119▼ $293,185

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$14,022--
Compensation and Service Providers
Top Officer Pay28th percentile

Employees

NameTitleFull / Part TimeBaseTotal
John MlocekTreasurer/maPT$9,970$9,970

Board Members and Trustees

NameTitle
Gregory ToddPresident
Judith ParadoskiBoard Member
Mark StencelBoard Member
Gerald HolbrookMembership C
Jonathan KautzSecretary
Gregory HolbrookVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$57,909
Other Revenue
$141
Change in Net Assets
$-171,598
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$205,978
Salaries, Compensation, and Employee Benefits$23,670
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$21,210-$21,210
All Other Expenses-$13,678-$13,678
Other Expenses-$3,401-$3,401
Fees for Services Legal-$2,777-$2,777
Payroll Taxes-$2,460-$2,460
Office Expenses-$1,605-$1,605
Fees for Services Accounting-$714-$714
Total Functional Expenses$0$229,648$0$229,648
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$1,209,771
Regular Reserve$37,635
Accrued Dividends$3,416
Accured Bond Payments$2,660
Accrued Examination Fees$1,560
Accrued Office Equipment$150
Special Res for Del Loans-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 15B

“The board of directors reviews the compensation for the officers and employees at the annual meeting for its members.”

Form 990, Page 6, Part VI, Line 19

“The credit union's 990 tax return, financial statements and govering documents are available to the public upon request at the their main office located in croswell, michigan.”

Filing and Contact Details

Filer

EIN
38-1613802
Phone
8106793590

Signing Officer

Name
John Mlocek
Title
Treasurer
Phone
8106793590
Signed
2014-02-10
Discuss with paid preparer
Yes

Organization Details

Voting Board Members
323
Independent Board Members
323
Employees
3

Preparer

Preparer
Joseph Nartker
Phone
8106484931
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Prior year loan reserve 5,254”

Raw XML Appendix299 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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IRS990/Form990PartVIISectionAGrp/TitleTxt3MEMBERSHIP C
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
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IRS990/NondeductibleContributionsInd0false
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IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
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IRS990/OtherExpensesGrp/Desc1DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc2LIFE SAVINGS INSURANCE
IRS990/OtherExpensesGrp/Desc3INSURANCE
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IRS990/OtherExpensesGrp/TotalAmt16050
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32660
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41560
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5150
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1REGULAR RESERVE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ACCRUED DIVIDENDS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3ACCURED BOND PAYMENTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4ACCRUED EXAMINATION FEES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5ACCRUED OFFICE EQUIPMENT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6SPECIAL RES FOR DEL LOANS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS REVIEWS THE COMPENSATION FOR THE OFFICERS AND EMPLOYEES AT THE ANNUAL MEETING FOR ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION'S 990 TAX RETURN, FINANCIAL STATEMENTS AND GOVERING DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST AT THE THEIR MAIN OFFICE LOCATED IN CROSWELL, MICHIGAN.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 15B
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART XI, LINE 9
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ReturnHeader/BuildTS02015-11-30 17:44:51Z
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ReturnHeader/BusinessOfficerGrp/PhoneNum08106793590
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-02-10
ReturnHeader/Filer/BusinessName/BusinessNameLine10ST PATRICK CROSWELL CREDIT UNION
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ReturnHeader/Filer/EIN0381613802
ReturnHeader/Filer/PhoneNum08106793590
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ReturnHeader/Filer/USAddress/City0CROSWELL
ReturnHeader/Filer/USAddress/State0MI
ReturnHeader/Filer/USAddress/ZIPCode0484220132
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10BRINING & NARTKER PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1047 AUSTIN STREET PO BOX 348
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0SANDUSKY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0484710348
ReturnHeader/PreparerPersonGrp/PhoneNum08106484931
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-20
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOSEPH NARTKER
ReturnHeader/ReturnTs02014-05-20T10:03:21-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,612,119
Liabilities
$1,255,192
Net assets
$356,927
Revenue
$58,050
Expenses
$229,648
Net income
-$171,598
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$1.47$1.13$0.34$0.06$0.08$0.02
2013Detailed filing. Detailed filing data is available for this year.$1.61$1.26$0.36$0.06$0.23$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.91$1.38$0.52$0.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.81$1.28$0.52$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.83$1.31$0.52$0.09