Civic Intelligence

Christopher Credit Union

990 • Fiscal year 2015 • EIN 38-1708464

Jan 01, 2015 to Dec 31, 2015 • Filed on Jul 08, 2016

Organization Profile
PO Box 358Chesaning, MI 48616

(989) 845-7616

Siviq Scores

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

Liabilities / Assets

5th percentile

0.00x

Higher debt load relative to assets than 5% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

9th percentile

0.05x

Higher debt load relative to revenue than 9% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

20th percentile

-11%

Higher net margin than 20% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

22nd percentile

$0

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

17th percentile

-5.3%

Faster asset growth than 17% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

25th percentile

-6.8%

Faster revenue growth than 25% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets5th percentile

Assets

Down

$2,212,825

Down $123,927 (-5.3%) from 2014

Net Assets

Down

$2,210,157

Down $124,078 (-5.3%) from 2014

Liabilities

Up

$2,668

Up $151 (+6.0%) from 2014

Revenue And Expenses
Liabilities / Revenue9th percentileNet Margin20th percentile

Revenue

Down

$55,258

Down $4,010 (-6.8%) from 2014

Expenses

Up

$61,456

Up $1,300 (+2.2%) from 2014

Net Income

Down

-$6,198

Down $5,310 (-598%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth17th 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

2015

Assets$2,212,825
Liabilities$2,668
Net Assets$2,210,157
Open 2015 Filing

Operations Trend

Revenue Growth25th percentile

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

2015

Revenue$55,258
Expenses$61,456
Net Income-$6,198
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jul 8, 2016
Return Version
2015v2.1
Gross Receipts
$55,258
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$2,106,250$1,988,370▼ $117,880
Savings and Temporary Cash Investments$2,066,524$1,876,168▼ $190,356
Other Notes and Loans Receivable, Net$254,916$322,277▲ $67,361
Rtn Earn Endowment Incm Other Fnds$227,985$221,787▼ $6,198
Prepaid Expenses and Deferred Charges$15,034$14,213▼ $821
Land, Buildings, and Equipment, Net$278$167▼ $111
Total Assets$2,336,752$2,212,825▼ $123,927
Liabilities
Accounts Payable and Accrued Expenses$2,517$2,668▲ $151
Total Liabilities$2,517$2,668▲ $151
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,334,235$2,210,157▼ $124,078
Total Liabilities and Net Assets / Fund Balance$2,336,752$2,212,825▼ $123,927

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$167$5,672$5,839
Compensation and Service Providers
Top Officer Pay22nd percentile

Board Members and Trustees

NameTitle
Michael MaxaPresident
John DunbarDirector
Louis GieskenDirector
Michael BorsenikDirector
James GenglerSecretary
Ronald a HoernerTreasurer
Ronald HarrisVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,113
Investment Income
$38,145
Other Revenue
$0
Change in Net Assets
$-6,198
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$38,434
Other Expenses$23,022
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees-$27,100-$27,100
Other Salaries and Wages-$8,400-$8,400
Occupancy-$4,800-$4,800
All Other Expenses-$3,639-$3,639
Payroll Taxes-$2,934-$2,934
Other Expenses-$1,491-$1,491
Advertising-$1,354-$1,354
Office Expenses-$703-$703
Conferences and Meetings-$290-$290
Depreciation Depletion-$111-$111
Total Functional Expenses$0$61,456$0$61,456
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Christopher Credit Union
EIN
38-1708464
Phone
9898457616
Address
PO BOX 358, CHESANING, MI 48616

Signing Officer

Name
Ronald a Hoerner
Title
Treasurer
Phone
9898457616
Signed
2016-07-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ronald a Hoerner
Formed
1956
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
2

Preparer

Firm
Hoerner & Associates
Address
150 W BROAD ST, CHESANING, MI 48616-1203
Preparer
Ronald a Hoerner
Phone
9898453232
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“To act as a savings and loan operation for the benefit of the members of christopher credit union.”

Form 990, Part XI, Line 9

“Increase in member capital shares 0 increase in memeber entry fees 0 decrease in member capital shares -117,880 total -117,880”

Raw XML Appendix290 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/SupplementalInformationDetail/ExplanationTxt1NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3INCREASE IN MEMBER CAPITAL SHARES 0 INCREASE IN MEMEBER ENTRY FEES 0 DECREASE IN MEMBER CAPITAL SHARES -117,880 TOTAL -117,880
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ReturnHeader/BuildTS02016-09-27 15:27:22Z
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ReturnHeader/Filer/EIN0381708464
ReturnHeader/Filer/PhoneNum09898457616
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0486161203
ReturnHeader/PreparerPersonGrp/PhoneNum09898453232
ReturnHeader/PreparerPersonGrp/PreparationDt02016-07-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RONALD A HOERNER
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02016-07-08T10:29:58-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,212,825
Liabilities
$2,668
Net assets
$2,210,157
Revenue
$55,258
Expenses
$61,456
Net income
-$6,198
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
2015Detailed filing. Detailed filing data is available for this year.$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