Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2012 • EIN 38-1678297

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 18, 2013

Organization Profilewww.rrccu.com

View Organization Page

485 S State Street49345
Siviq Scores

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

Liabilities / Assets

77th percentile

0.91x

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

2012 filings • 501(c)14 • $25M-$50M 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

49th percentile

3.9%

Faster asset growth than 49% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M 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 / Assets77th percentile

Assets

Up

$34,349,909

Up $1,276,527 (+3.9%) from 2011

Net Assets

Up

$3,124,934

Up $321,057 (+11%) from 2011

Liabilities

Up

$31,224,975

Up $955,470 (+3.2%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,437,503

Down $194,975 (-12%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth49th percentile

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

$100M$50M$0Assets 2010: $34,071,876Liabilities 2010: $31,498,692Net Assets 2010: $2,573,1842010Assets 2011: $33,073,382Liabilities 2011: $30,269,505Net Assets 2011: $2,803,8772011Assets 2012: $34,349,909Liabilities 2012: $31,224,975Net Assets 2012: $3,124,9342012Assets 2013: $34,832,837Liabilities 2013: $31,544,410Net Assets 2013: $3,288,4272013Assets 2014: $37,837,647Liabilities 2014: $34,379,117Net Assets 2014: $3,458,5302014Assets 2015: $40,203,015Liabilities 2015: $36,568,849Net Assets 2015: $3,634,1662015Assets 2016: $40,683,903Liabilities 2016: $36,749,440Net Assets 2016: $3,934,4632016Assets 2017: $40,209,829Liabilities 2017: $35,865,529Net Assets 2017: $4,344,3002017Assets 2018: $63,377,582Liabilities 2018: $56,480,154Net Assets 2018: $6,897,4282018Assets 2019: $64,814,708Liabilities 2019: $57,093,090Net Assets 2019: $7,721,6182019Assets 2020: $80,206,151Liabilities 2020: $71,679,089Net Assets 2020: $8,527,0622020Assets 2021: $89,270,682Liabilities 2021: $80,992,387Net Assets 2021: $8,278,2952021Assets 2022: $93,588,462Liabilities 2022: $87,321,905Net Assets 2022: $6,266,5572022Assets 2023: $93,725,032Liabilities 2023: $87,393,899Net Assets 2023: $6,331,1332023Assets 2024: $96,648,015Liabilities 2024: $89,188,365Net Assets 2024: $7,459,6502024

Highlighted filing

2012

Assets$34,349,909
Liabilities$31,224,975
Net Assets$3,124,934
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,967,5172010Expenses 2011: $1,632,4782011Expenses 2012: $1,437,5032012Revenue 2013: $1,677,560Expenses 2013: $1,455,148Net Income 2013: $222,4122013Revenue 2014: $1,666,939Expenses 2014: $1,484,727Net Income 2014: $182,2122014Revenue 2015: $1,663,685Expenses 2015: $1,493,396Net Income 2015: $170,2892015Revenue 2016: $1,644,596Expenses 2016: $1,338,685Net Income 2016: $305,9112016Revenue 2017: $1,857,836Expenses 2017: $1,497,509Net Income 2017: $360,3272017Revenue 2018: $4,159,980Expenses 2018: $3,091,641Net Income 2018: $1,068,3392018Revenue 2019: $3,591,350Expenses 2019: $3,041,806Net Income 2019: $549,5442019Revenue 2020: $3,652,692Expenses 2020: $3,157,164Net Income 2020: $495,5282020Revenue 2021: $3,868,845Expenses 2021: $3,339,975Net Income 2021: $528,8702021Revenue 2022: $4,649,637Expenses 2022: $3,858,717Net Income 2022: $790,9202022Revenue 2023: $5,197,802Expenses 2023: $5,776,762Net Income 2023: -$578,9602023Revenue 2024: $5,951,524Expenses 2024: $4,983,073Net Income 2024: $968,4512024

Highlighted filing

2012

Revenue-
Expenses$1,437,503
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 18, 2013
Return Version
2012v2.0
Gross Receipts
$1,792,053
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 12/31/2012 was 2,350.
Filing and Contact Details

Filer

EIN
38-1678297
Raw XML AppendixShowing 400 of 429 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/Explanation0Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.
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 approved by the Board minus the lendee.
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/Explanation4Mergers are voted on by the entire membership.
IRS990ScheduleO/GeneralExplanation/Explanation5Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation6Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Line 19
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IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 12c
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 11b
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 7b
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990, Part VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier6Form 990, Part VI, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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 11b: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
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IRS990/TotalNetAssetsFundBalances/EOY03124934
IRS990/TotalOtherRevenue021058
IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome013840
IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn013840
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue01550365
IRS990/TotalReportableCompFromOrg066921
IRS990/TotalRevenueCurrentYear01792053
IRS990/TotalRevenuePriorYear01915266
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome01764995
IRS990/TotalRevenue/TotalRevenueColumn01792053
IRS990/TotalRevenue/UnrelatedBusinessRevenue027058
IRS990/TransactionRelatedEntity0false
IRS990/TransfersToExemptNonChrtblOrg0false
IRS990/TravelEntrtnmntPublicOfficials/Total00
IRS990/Travel/Total018638
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0true

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
$34,349,909
Liabilities
$31,224,975
Net assets
$3,124,934
Revenue
-
Expenses
$1,437,503
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$96.6$89.2$7.46$5.95$4.98$0.97
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$93.7$87.4$6.33$5.20$5.78$0.58
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$93.6$87.3$6.27$4.65$3.86$0.79
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$89.3$81.0$8.28$3.87$3.34$0.53
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$80.2$71.7$8.53$3.65$3.16$0.50
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$64.8$57.1$7.72$3.59$3.04$0.55
2018Summary only. Only limited summary data is available for this year.$63.4$56.5$6.90$4.16$3.09$1.07
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.2$35.9$4.34$1.86$1.50$0.36
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.7$36.7$3.93$1.64$1.34$0.31
2015Detailed filing. Detailed filing data is available for this year.$40.2$36.6$3.63$1.66$1.49$0.17
2014Detailed filing. Detailed filing data is available for this year.$37.8$34.4$3.46$1.67$1.48$0.18
2013Detailed filing. Detailed filing data is available for this year.$34.8$31.5$3.29$1.68$1.46$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.3$31.2$3.12$1.44
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.1$30.3$2.80$1.63
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.1$31.5$2.57$1.97