Civic Intelligence

Delta County Credit Union

990 • Fiscal year 2012 • EIN 38-1707412

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 13, 2013

PO Box 75649829
Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$107,601,933

Flat from 2012

Net Assets

Flat

$11,385,289

Flat from 2012

Liabilities

Flat

$96,216,644

Flat from 2012

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$4,600,397

Flat from 2012

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.

$150M$100M$50M$0Assets 2010: $92,455,819Liabilities 2010: $82,891,799Net Assets 2010: $9,564,0202010Assets 2011: $98,983,057Liabilities 2011: $88,411,532Net Assets 2011: $10,571,5252011Assets 2012: $107,601,933Liabilities 2012: $96,216,644Net Assets 2012: $11,385,2892012Assets 2012: $107,601,933Liabilities 2012: $96,216,644Net Assets 2012: $11,385,2892012Assets 2013: $111,171,049Liabilities 2013: $99,961,394Net Assets 2013: $11,209,6552013Assets 2014: $119,053,964Liabilities 2014: $106,808,302Net Assets 2014: $12,245,6622014Assets 2015: $124,043,248Liabilities 2015: $111,068,901Net Assets 2015: $12,974,3472015Assets 2016: $128,961,004Liabilities 2016: $115,577,161Net Assets 2016: $13,383,8432016Assets 2017: $131,094,626Liabilities 2017: $117,018,383Net Assets 2017: $14,076,2432017Assets 2018: $128,366,654Liabilities 2018: $113,169,015Net Assets 2018: $15,197,6392018Assets 2019: $136,940,416Liabilities 2019: $119,098,766Net Assets 2019: $17,841,6502019Assets 2020: $0Liabilities 2020: $0Net Assets 2020: $02020

Highlighted filing

2012

Assets$107,601,933
Liabilities$96,216,644
Net Assets$11,385,289

Operations Trend

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $4,525,4932010Expenses 2011: $4,625,8782011Expenses 2012: $4,600,3972012Revenue 2012: $5,510,113Expenses 2012: $4,600,397Net Income 2012: $909,7162012Revenue 2013: $5,330,014Expenses 2013: $4,639,381Net Income 2013: $690,6332013Revenue 2014: $5,506,252Expenses 2014: $4,690,498Net Income 2014: $815,7542014Revenue 2015: $5,806,905Expenses 2015: $5,039,198Net Income 2015: $767,7072015Revenue 2016: $6,110,757Expenses 2016: $5,370,724Net Income 2016: $740,0332016Revenue 2017: $6,554,722Expenses 2017: $5,720,516Net Income 2017: $834,2062017Revenue 2018: $7,225,500Expenses 2018: $5,905,303Net Income 2018: $1,320,1972018Revenue 2019: $7,914,170Expenses 2019: $6,032,427Net Income 2019: $1,881,7432019Revenue 2020: $2,598,708Expenses 2020: $2,092,361Net Income 2020: $506,3472020

Highlighted filing

2012

Revenue-
Expenses$4,600,397
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 13, 2013
Return Version
2012v2.3
Gross Receipts
$5,724,210
Mission and Program Overview

Mission

To be the best financial institution our members ever experience.

Filing and Contact Details

Filer

EIN
38-1707412
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IRS990ScheduleO/GeneralExplanation/Explanation0ELECTIONS ARE HELD BY THE CREDIT UNION AT ITS ANNUAL MEETING FOR BOARD MEMBER TERMS THAT ARE STAGGERED.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CEO REVIEWS THE FORM 990 BEFORE SIGNING THE ELECTRONIC FILING AUTHORIZATION.
IRS990ScheduleO/GeneralExplanation/Explanation2MANAGEMENT REVIEWS POLICY WITH EMPLOYEES AND BOARD OF DIRECTORS ANNUALLY. IN ADDITION, THEY ARE IMPLEMENTING A CERTIFICATION REQUIRING SIGNATURES DURING 2011.
IRS990ScheduleO/GeneralExplanation/Explanation3CEO/GENERAL MANAGER IS SUBJECTED TO AN ANNUAL REVIEW BY A COMMITTEE OF THE BOARD USING PEER SALARY SURVEY RESULTS, GOAL SETTING, ETC.
IRS990ScheduleO/GeneralExplanation/Explanation4OTHER OFFICERS/KEY EMPLOYEES ARE SUBJECTED TO AN ANNUAL REVIEW CONDUCTED BY THE PRESIDENT/CEO OF THE CREDIT UNION USING PEER SALARY SURVEY RESULTS, GOAL SETTING, ETC.
IRS990ScheduleO/GeneralExplanation/Explanation5FINANCIAL STATEMENTS ARE POSTED AT THE PHYSICAL OFFICES OF THE CREDIT UNION MONTHLY. GOVERNING DOCUMENTS AND CREDIT UNION POLICIES ARE AVAILABLE FROM THE MAIN OFFICE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation6UNREALIZED GAIN ON AFS SECURITIES 0 UNREALIZED LOSS ON AFS SECURITIES 95,952
IRS990ScheduleO/GeneralExplanation/Identifier0ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier1ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier2ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier3COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier4COMPENSATION PROCESS FOR OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier5GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier6OTHER CHANGES IN NET ASSETS EXPLANATION
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ReturnHeader/Preparer/DatePrepared02013-11-14
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10ANDERSON TACKMAN & COMPANY PLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10901 LUDINGTON STREET
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0ESCANABA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MI
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode049829
ReturnHeader/Preparer/Name0KRISTINE P BERHOW CPA
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ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-11-14T09:57:44-06:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$2.60$2.09$0.51
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$137$119$17.8$7.91$6.03$1.88
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$128$113$15.2$7.23$5.91$1.32
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$131$117$14.1$6.55$5.72$0.83
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$129$116$13.4$6.11$5.37$0.74
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$124$111$13.0$5.81$5.04$0.77
2014Detailed filing. Detailed filing data is available for this year.$119$107$12.2$5.51$4.69$0.82
2013Detailed filing. Detailed filing data is available for this year.$111$100.0$11.2$5.33$4.64$0.69
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$108$96.2$11.4$4.60
2012Summary only. Only limited summary data is available for this year.$108$96.2$11.4$5.51$4.60$0.91
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$99.0$88.4$10.6$4.63
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$92.5$82.9$9.56$4.53