Civic Intelligence

Centel Credit Union

990 • Fiscal year 2012 • EIN 38-1706836

Jan 01, 2012 to Dec 31, 2012 • Filed on Mar 09, 2013

Organization Profile
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.

2012 filings • $10M-$25M 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

53rd percentile

2.7%

Faster asset growth than 53% of similar nonprofits.

2012 filings • $10M-$25M 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 / Assets92nd percentile

Assets

Up

$22,114,951

Up $577,971 (+2.7%) from 2011

Net Assets

Up

$1,504,758

Up $42,790 (+2.9%) from 2011

Liabilities

Up

$20,610,193

Up $535,181 (+2.7%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,093,606

Down $339,826 (-24%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth53rd percentile

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

2012

Assets$22,114,951
Liabilities$20,610,193
Net Assets$1,504,758
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

2012

Revenue-
Expenses$1,093,606
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Mar 9, 2013
Return Version
2012v2.0
Gross Receipts
$1,136,396
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 12/31/2012 was 1,594.
Filing and Contact Details

Filer

EIN
38-1706836
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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/Identifier3Form 990, Part VI, Line 7b
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990, Part VI, Line 6
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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 11b: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$22,114,951
Liabilities
$20,610,193
Net assets
$1,504,758
Revenue
-
Expenses
$1,093,606
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.1$20.6$1.50$1.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.5$20.1$1.46$1.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.9$19.3$1.64$1.56