Civic Intelligence

Centel Credit Union

990 • Fiscal year 2011 • EIN 38-1706836

Jan 01, 2011 to Dec 31, 2011 • Filed on May 10, 2012

PO Box 36148867
Siviq Scores

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

Liabilities / Assets

92nd percentile

0.93x

Higher debt load relative to assets than 92% of similar nonprofits.

2011 filings • $10M-$25M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

55th percentile

2.9%

Faster asset growth than 55% of similar nonprofits.

2011 filings • $10M-$25M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

Up

$21,536,980

Up $605,634 (+2.9%) from 2010

Net Assets

Down

$1,461,968

Down $180,668 (-11%) from 2010

Liabilities

Up

$20,075,012

Up $786,302 (+4.1%) from 2010

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,433,432

Down $125,447 (-8.0%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$30M$20M$10M$0Assets 2010: $20,931,346Liabilities 2010: $19,288,710Net Assets 2010: $1,642,6362010Assets 2011: $21,536,980Liabilities 2011: $20,075,012Net Assets 2011: $1,461,9682011Assets 2012: $22,114,951Liabilities 2012: $20,610,193Net Assets 2012: $1,504,7582012

Highlighted filing

2011

Assets$21,536,980
Liabilities$20,075,012
Net Assets$1,461,968

Operations Trend

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $1,558,8792010Expenses 2011: $1,433,4322011Expenses 2012: $1,093,6062012

Highlighted filing

2011

Revenue-
Expenses$1,433,432
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 10, 2012
Return Version
2011v1.2
Gross Receipts
$1,252,764
Mission and Program Overview

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 12/31/2011 was 1,657.
Filing and Contact Details

Filer

EIN
38-1706836
Raw XML AppendixShowing 400 of 435 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/Explanation2Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/GeneralExplanation/Explanation3Mergers are voted on by entire membership.
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/ReturnReference1Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 11: Form 990 Review Process
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IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
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