Civic Intelligence

St Patrick Croswell Credit Union

990 • Fiscal year 2014 • EIN 38-1613802

Jan 01, 2014 to Dec 31, 2014 • Filed on Feb 02, 2015

Organization Profile
101 W Sanborn Ave PO Box 132Croswell, MI 48422-0132

(810) 679-3590

Siviq Scores

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

Liabilities / Assets

30th percentile

0.77x

Higher debt load relative to assets than 30% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

61st percentile

19.35x

Higher debt load relative to revenue than 61% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

7th percentile

-31%

Higher net margin than 7% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

22nd percentile

$6,162

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 10.5% of source-year revenue.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

13th percentile

-8.7%

Faster asset growth than 13% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

60th percentile

0.8%

Faster revenue growth than 60% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets30th percentile

Assets

Down

$1,471,357

Down $140,762 (-8.7%) from 2013

Net Assets

Down

$338,590

Down $18,337 (-5.1%) from 2013

Liabilities

Down

$1,132,767

Down $122,425 (-9.8%) from 2013

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin7th percentile

Revenue

Up

$58,527

Up $477 (+0.8%) from 2013

Expenses

Down

$76,864

Down $152,784 (-67%) from 2013

Net Income

Up

-$18,337

Up $153,261 (+89%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth13th 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

2014

Assets$1,471,357
Liabilities$1,132,767
Net Assets$338,590
Open 2014 Filing

Operations Trend

Revenue Growth60th percentile

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

2014

Revenue$58,527
Expenses$76,864
Net Income-$18,337
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Feb 2, 2015
Return Version
2014v5.0
Gross Receipts
$58,527
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$223,957$258,016▲ $34,059
Cash and Non-Interest-Bearing Accounts$194,090$190,061▼ $4,029
Total Assets$1,612,119$1,471,357▼ $140,762
Other Assets Total$1,194,072$1,023,280▼ $170,792
Liabilities
Other Liabilities$1,255,192$1,132,767▼ $122,425
Total Liabilities$1,255,192$1,132,767▼ $122,425
Net Assets / Fund Balance
Unrestricted Net Assets$356,927$338,590▼ $18,337
Total Net Assets Fund Balance$356,927$338,590▼ $18,337
Total Liabilities and Net Assets / Fund Balance$1,612,119$1,471,357▼ $140,762

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$1,182--
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Ruth WallsTreasurerPT$6,162$6,162

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$44,913
Other Revenue
$13,614
Change in Net Assets
$-18,337
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$41,432
Other Expenses$35,432
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$34,898-$34,898
Fees for Services Legal-$9,604-$9,604
All Other Expenses-$9,393-$9,393
Payroll Taxes-$6,534-$6,534
Office Expenses-$3,347-$3,347
Fees for Services Accounting-$2,685-$2,685
Other Expenses-$1,924-$1,924
Total Functional Expenses$0$76,864$0$76,864
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$1,090,690
Regular Reserve$37,635
Accured Bond Payments$3,183
Accrued Examination Fees$716
Accrued Payroll Taxes$535
Escheats Payable$8
Accrued Dividends-
Accrued Office Equipment-
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

Filer Name
St Patrick Croswell Credit Union
EIN
38-1613802
Phone
8106793590
Address
101 W SANBORN AVE PO BOX 132, CROSWELL, MI 48422-0132

Signing Officer

Name
Ruth Walls
Title
Treasurer
Phone
8106793590
Signed
2015-02-02
Discuss with paid preparer
Yes

Organization Details

Voting Board Members
242
Independent Board Members
242
Employees
5

Preparer

Firm
Brining & Nartker Pc
Address
47 AUSTIN STREET PO BOX 348, SANDUSKY, MI 48471-0348
Preparer
Joseph Nartker
Phone
8106484931
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Life savings insurance 0 1,573 0 communications 0 1,385 0 building repair & maint 0 1,250 0 examination fees 0 1,100 0 outside consultant 0 1,000 0 credit reports 0 754 0 annual meeting expense 0 726 0 office equipment 0 665 0 association fees 0 248 0 bookkeeping 0 175 0 loan origination fees 0 147 0 dividend expense 0 138 0 bank/wire fees 0 124 0 office support 0 100 0 escheats payable 0 8 0”

Raw XML Appendix307 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/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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3LIFE SAVINGS INSURANCE 0 1,573 0 COMMUNICATIONS 0 1,385 0 BUILDING REPAIR & MAINT 0 1,250 0 EXAMINATION FEES 0 1,100 0 OUTSIDE CONSULTANT 0 1,000 0 CREDIT REPORTS 0 754 0 ANNUAL MEETING EXPENSE 0 726 0 OFFICE EQUIPMENT 0 665 0 ASSOCIATION FEES 0 248 0 BOOKKEEPING 0 175 0 LOAN ORIGINATION FEES 0 147 0 DIVIDEND EXPENSE 0 138 0 BANK/WIRE FEES 0 124 0 OFFICE SUPPORT 0 100 0 ESCHEATS PAYABLE 0 8 0
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART IX, LINE 24E
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ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd0484220132
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0382477354
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BRINING & NARTKER PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt047 AUSTIN STREET PO BOX 348
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SANDUSKY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0484710348
ReturnHeader/PreparerPersonGrp/PhoneNum08106484931
ReturnHeader/PreparerPersonGrp/PreparationDt02015-05-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOSEPH NARTKER
ReturnHeader/ReturnTs02015-05-19T09:59:24-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,471,357
Liabilities
$1,132,767
Net assets
$338,590
Revenue
$58,527
Expenses
$76,864
Net income
-$18,337
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