Civic Intelligence

Christopher Credit Union

990 • Fiscal year 2012 • EIN 38-1708464

Jan 01, 2012 to Dec 31, 2012 • Filed on Aug 07, 2013

Organization Profile
PO Box 35848616
Siviq Scores

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

Liabilities / Assets

4th percentile

0.00x

Higher debt load relative to assets than 4% of similar nonprofits.

2012 filings • 501(c)14 • $1M-$5M 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

56th percentile

2.8%

Faster asset growth than 56% of similar nonprofits.

2012 filings • 501(c)14 • $1M-$5M 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 / Assets4th percentile

Assets

Up

$2,365,989

Up $64,704 (+2.8%) from 2011

Net Assets

Up

$2,362,405

Up $64,050 (+2.8%) from 2011

Liabilities

Up

$3,584

Up $654 (+22%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$72,811

Down $4,088 (-5.3%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $2,273,135Liabilities 2010: $3,217Net Assets 2010: $2,269,9182010Assets 2011: $2,301,285Liabilities 2011: $2,930Net Assets 2011: $2,298,3552011Assets 2012: $2,365,989Liabilities 2012: $3,584Net Assets 2012: $2,362,4052012Assets 2013: $2,435,696Liabilities 2013: $2,656Net Assets 2013: $2,433,0402013Assets 2014: $2,336,752Liabilities 2014: $2,517Net Assets 2014: $2,334,2352014Assets 2015: $2,212,825Liabilities 2015: $2,668Net Assets 2015: $2,210,1572015Assets 2016: $2,057,939Liabilities 2016: $0Net Assets 2016: $2,057,9392016Assets 2017: $0Liabilities 2017: $0Net Assets 2017: $02017

Highlighted filing

2012

Assets$2,365,989
Liabilities$3,584
Net Assets$2,362,405
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$100K$50K$0-$50KExpenses 2010: $79,5932010Expenses 2011: $76,8992011Expenses 2012: $72,8112012Revenue 2013: $63,701Expenses 2013: $68,915Net Income 2013: -$5,2142013Revenue 2014: $59,268Expenses 2014: $60,156Net Income 2014: -$8882014Revenue 2015: $55,258Expenses 2015: $61,456Net Income 2015: -$6,1982015Revenue 2016: $56,360Expenses 2016: $66,323Net Income 2016: -$9,9632016Revenue 2017: $9,261Expenses 2017: $440Net Income 2017: $8,8212017

Highlighted filing

2012

Revenue-
Expenses$72,811
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Aug 7, 2013
Return Version
2012v2.1
Gross Receipts
$66,415
Mission and Program Overview

Mission

To provide savings and loan services to the members of christopher credit union.

Filing and Contact Details

Filer

EIN
38-1708464
Raw XML Appendix286 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.

Path#Value
IRS990/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY02930
IRS990/AccountsPayableAccruedExpenses/EOY03584
IRS990/ActivitiesConductedPartnership0false
IRS990/ActivityOrMissionDescription0TO PROVIDE SAVINGS AND LOAN SERVICES TO THE MEMBERS OF CHRISTOPHER CREDIT UNION.
IRS990/AddressPrincipalOfficerUS/AddressLine10714 S FRONT STREET
IRS990/AddressPrincipalOfficerUS/City0CHESANING
IRS990/AddressPrincipalOfficerUS/State0MI
IRS990/AddressPrincipalOfficerUS/ZIPCode048616
IRS990/Advertising/ManagementAndGeneral01402
IRS990/Advertising/Total01402
IRS990/AllOtherExpenses/ManagementAndGeneral04136
IRS990/AllOtherExpenses/Total04136
IRS990/BenefitsPaidToMembersCY00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CapStckTrstPrinCurrentFunds/BOY02057881
IRS990/CapStckTrstPrinCurrentFunds/EOY02128321
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/ManagementAndGeneral015000
IRS990/CompCurrentOfficersDirectors/Total015000
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0false
IRS990/CompensationProcessOther0false
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConferencesMeetings/ManagementAndGeneral0321
IRS990/ConferencesMeetings/Total0321
IRS990/ConflictOfInterestPolicy0false
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0false
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DescribedIn501C30false
IRS990/Description0TO ACT AS A SAVINGS AND LOAN OPERATION FOR THE BENEFIT OF THE MEMBERS OF CHRISTOPHER CREDIT UNION.
IRS990/DisregardedEntity0false
IRS990/DocumentRetentionPolicy0false
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0false
IRS990/EmploymentTaxReturnsFiled0true
IRS990/FamilyOrBusinessRelationship0false
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignOffice0false
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/NamePerson0JOHN DUNBAR
IRS990/Form990PartVIISectionA/NamePerson1MICHAEL BORSENIK
IRS990/Form990PartVIISectionA/NamePerson2LOUIS GIESKEN
IRS990/Form990PartVIISectionA/NamePerson3RONALD HARRIS
IRS990/Form990PartVIISectionA/NamePerson4JAMES GENGLER
IRS990/Form990PartVIISectionA/NamePerson5RONALD A HOERNER
IRS990/Form990PartVIISectionA/NamePerson6MICHAEL MAXA
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/Officer2X
IRS990/Form990PartVIISectionA/Officer3X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/Title0DIRECTOR
IRS990/Form990PartVIISectionA/Title1DIRECTOR
IRS990/Form990PartVIISectionA/Title2DIRECTOR
IRS990/Form990PartVIISectionA/Title3PRESIDENT
IRS990/Form990PartVIISectionA/Title4SECRETARY
IRS990/Form990PartVIISectionA/Title5TREASURER
IRS990/Form990PartVIISectionA/Title6VICE PRES
IRS990/Form990ProvidedToGoverningBody0false
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts066415
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InvestmentIncomeCurrentYear047677
IRS990/InvestmentIncomePriorYear049709
IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome047677
IRS990/InvestmentIncome/TotalRevenueColumn047677
IRS990/InvestmentInJointVenture0false
IRS990/LandBldgEquipmentAccumDeprec06242
IRS990/LandBuildingsEquipmentBasis06242
IRS990/LoanToOfficerOrDQP0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0false
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0TO PROVIDE SAVINGS AND LOAN SERVICES TO THE MEMBERS OF CHRISTOPHER CREDIT UNION.
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0RONALD A HOERNER
IRS990/NbrIndependentVotingMembers07
IRS990/NbrVotingGoverningBodyMembers07
IRS990/NbrVotingMembersGoverningBody07
IRS990/NetAssetsOrFundBalancesBOY02298355
IRS990/NetAssetsOrFundBalancesEOY02362405
IRS990/NoListedPersonsCompensated0X
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith10960147
IRS990/NumberIndependentVotingMembers07
IRS990/NumberOfEmployees02
IRS990/NumberW2GIncluded00
IRS990/Occupancy/ManagementAndGeneral04800
IRS990/Occupancy/Total04800
IRS990/OfficeExpenses/ManagementAndGeneral02068
IRS990/OfficeExpenses/Total02068
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY028634
IRS990/OtherAssetsTotal/EOY028970
IRS990/OtherEmployeeBenefits/ManagementAndGeneral015009
IRS990/OtherEmployeeBenefits/Total015009
IRS990/OtherExpensePriorYear037218
IRS990/OtherExpensesCurrentYear032298
IRS990/OtherExpenses/Description0SHARE DIVIDENDS PAID
IRS990/OtherExpenses/Description1DIRECTOR'S BOND
IRS990/OtherExpenses/Description2SUPERVISION/EXAM EXPENSES
IRS990/OtherExpenses/Description3NCUSIF CAPITALIZATION EXP
IRS990/OtherExpenses/ManagementAndGeneral012213
IRS990/OtherExpenses/ManagementAndGeneral12944
IRS990/OtherExpenses/ManagementAndGeneral22426
IRS990/OtherExpenses/ManagementAndGeneral31988
IRS990/OtherExpenses/Total012213
IRS990/OtherExpenses/Total12944
IRS990/OtherExpenses/Total22426
IRS990/OtherExpenses/Total31988
IRS990/OtherNotesLoansReceivableNet/BOY0390035
IRS990/OtherNotesLoansReceivableNet/EOY0335093
IRS990/OtherRevenueCurrentYear00
IRS990/OtherSalariesAndWages/ManagementAndGeneral08400
IRS990/OtherSalariesAndWages/Total08400
IRS990/PartialLiquidation0false
IRS990/PayrollTaxes/ManagementAndGeneral02104
IRS990/PayrollTaxes/Total02104
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY013987
IRS990/PrepaidExpensesDeferredCharges/EOY013745
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenueCY018738
IRS990/ProgramServiceRevenue/Description0CREDIT UNION ACTIVITY
IRS990/ProgramServiceRevenuePriorYear022082
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome018738
IRS990/ProgramServiceRevenue/TotalRevenueColumn018738
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReconcilationOtherChanges070446
IRS990/ReconcilationRevenueExpenses0-6396
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0false
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY0240474
IRS990/RetainedEarningsEndowmentEtc/EOY0234084
IRS990/RevenuesLessExpensesCY0-6396
IRS990/RevenuesLessExpensesPriorYear0-5108
IRS990/SalariesEtcCurrentYear040513
IRS990/SalariesEtcPriorYear039681
IRS990/SavingsAndTempCashInvestments/BOY01868629
IRS990/SavingsAndTempCashInvestments/EOY01988181
IRS990/ScheduleBRequired0false
IRS990ScheduleD/OtherLandBuildings/Depreciation06242
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis06242
IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/GeneralExplanation/Explanation1NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/GeneralExplanation/Explanation2INCREASE IN MEMBER CAPITAL SHARES 70,442 INCREASE IN MEMEBER ENTRY FEES 4 DECREASE IN MEMBER CAPITAL SHARES 0
IRS990ScheduleO/GeneralExplanation/Identifier0ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier1GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier2OTHER CHANGES IN NET ASSETS EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART XI, LINE 9
IRS990/ScheduleORequired0false
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0MI
IRS990/StatesWhereCopyOfReturnIsFiled0MI
IRS990/SubjectToProxyTax0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10150 W BROAD STREET
IRS990/TheBooksAreInCareOf/AddressUS/City0CHESANING
IRS990/TheBooksAreInCareOf/AddressUS/State0MI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode048616
IRS990/TheBooksAreInCareOf/NamePerson0RONALD A HOERNER
IRS990/TheBooksAreInCareOf/TelephoneNumber09898457616
IRS990/TotalAssets/BOY02301285
IRS990/TotalAssetsBOY02301285
IRS990/TotalAssets/EOY02365989
IRS990/TotalAssetsEOY02365989
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear072811
IRS990/TotalExpensesPriorYear076899
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral072811
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total072811
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY02930
IRS990/TotalLiabilitiesBOY02930
IRS990/TotalLiabilities/EOY03584
IRS990/TotalLiabilitiesEOY03584
IRS990/TotalLiabNetAssetsFundBalances/BOY02301285
IRS990/TotalLiabNetAssetsFundBalances/EOY02365989
IRS990/TotalNbrEmployees02
IRS990/TotalNetAssetsFundBalances/BOY02298355
IRS990/TotalNetAssetsFundBalances/EOY02362405
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue018738
IRS990/TotalRevenueCurrentYear066415
IRS990/TotalRevenuePriorYear071791
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome066415
IRS990/TotalRevenue/TotalRevenueColumn066415
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01956
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0381708464
ReturnHeader/Filer/Name/BusinessNameLine10CHRISTOPHER CREDIT UNION
ReturnHeader/Filer/NameControl0CHRI
ReturnHeader/Filer/Phone09898457616
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 358
ReturnHeader/Filer/USAddress/City0CHESANING
ReturnHeader/Filer/USAddress/State0MI
ReturnHeader/Filer/USAddress/ZIPCode048616
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02013-08-07
ReturnHeader/Officer/Name0RONALD A HOERNER
ReturnHeader/Officer/Phone09898457616
ReturnHeader/Officer/Title0TREASURER
ReturnHeader/Preparer/DatePrepared02013-08-07
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10HOERNER & ASSOCIATES LLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10150 W BROAD ST
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0CHESANING
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MI
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0486161203
ReturnHeader/Preparer/Name0RONALD A HOERNER
ReturnHeader/Preparer/Phone09898453232
ReturnHeader/Preparer/SelfEmployed0X
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-08-07T14:25:06-05:00

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
$2,365,989
Liabilities
$3,584
Net assets
$2,362,405
Revenue
-
Expenses
$72,811
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.01$0.00$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.06$0.00$2.06$0.06$0.07$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.21$0.00$2.21$0.06$0.06$0.01
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.34$0.00$2.33$0.06$0.06$0.00
2013Detailed filing. Detailed filing data is available for this year.$2.44$0.00$2.43$0.06$0.07$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.37$0.00$2.36$0.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.30$0.00$2.30$0.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.27$0.00$2.27$0.08