Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2018 • EIN 38-1710121

Jan 01, 2018 to Dec 31, 2018 • Filed on May 07, 2019

Organization Profilewww.calcitecu.com
478 North Third StreetRogers City, MI 49779

(989) 734-4130

Siviq Scores

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

Liabilities / Assets

44th percentile

0.88x

Higher debt load relative to assets than 44% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Liabilities / Revenue

58th percentile

18.63x

Higher debt load relative to revenue than 58% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Net Margin

91st percentile

24%

Higher net margin than 91% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Top Officer Pay

32nd percentile

$127,199

Higher top officer pay than 32% of similar nonprofits.

Top officer pay equals 3.5% of source-year revenue.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Asset Growth

82nd percentile

5.5%

Faster asset growth than 82% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Revenue Growth

59th percentile

11%

Faster revenue growth than 59% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets44th percentile

Assets

Up

$77,266,557

Up $4,009,104 (+5.5%) from 2017

Net Assets

Up

$9,292,155

Up $730,912 (+8.5%) from 2017

Liabilities

Up

$67,974,402

Up $3,278,192 (+5.1%) from 2017

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin91st percentile

Revenue

Up

$3,649,035

Up $356,005 (+11%) from 2017

Expenses

Up

$2,768,819

Up $193,079 (+7.5%) from 2017

Net Income

Up

$880,216

Up $162,926 (+23%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth82nd percentile

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

$150M$100M$50M$0Assets 2010: $43,340,705Liabilities 2010: $37,815,680Net Assets 2010: $5,525,0252010Assets 2011: $48,726,100Liabilities 2011: $43,376,192Net Assets 2011: $5,349,9082011Assets 2012: $52,985,736Liabilities 2012: $46,428,785Net Assets 2012: $6,556,9512012Assets 2013: $56,347,617Liabilities 2013: $49,784,000Net Assets 2013: $6,563,6172013Assets 2014: $58,980,895Liabilities 2014: $51,894,876Net Assets 2014: $7,086,0192014Assets 2015: $63,281,573Liabilities 2015: $55,757,863Net Assets 2015: $7,523,7102015Assets 2016: $68,444,775Liabilities 2016: $60,497,722Net Assets 2016: $7,947,0532016Assets 2017: $73,257,453Liabilities 2017: $64,696,210Net Assets 2017: $8,561,2432017Assets 2018: $77,266,557Liabilities 2018: $67,974,402Net Assets 2018: $9,292,1552018Assets 2019: $82,151,047Liabilities 2019: $71,284,647Net Assets 2019: $10,866,4002019Assets 2020: $99,822,942Liabilities 2020: $87,678,907Net Assets 2020: $12,144,0352020Assets 2021: $120,869,904Liabilities 2021: $108,528,396Net Assets 2021: $12,341,5082021Assets 2022: $126,826,466Liabilities 2022: $116,073,085Net Assets 2022: $10,753,3812022

Highlighted filing

2018

Assets$77,266,557
Liabilities$67,974,402
Net Assets$9,292,155
Open 2018 Filing

Operations Trend

Revenue Growth59th percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $2,135,8592010Revenue 2011: $2,427,515Expenses 2011: $2,013,642Net Income 2011: $413,8732011Revenue 2012: $2,547,485Expenses 2012: $2,170,802Net Income 2012: $376,6832012Revenue 2013: $2,589,955Expenses 2013: $2,220,013Net Income 2013: $369,9422013Revenue 2014: $2,630,840Expenses 2014: $2,129,159Net Income 2014: $501,6812014Revenue 2015: $2,747,921Expenses 2015: $2,265,657Net Income 2015: $482,2642015Revenue 2016: $2,991,605Expenses 2016: $2,356,768Net Income 2016: $634,8372016Revenue 2017: $3,293,030Expenses 2017: $2,575,740Net Income 2017: $717,2902017Revenue 2018: $3,649,035Expenses 2018: $2,768,819Net Income 2018: $880,2162018Revenue 2019: $3,914,279Expenses 2019: $2,945,378Net Income 2019: $968,9012019Revenue 2020: $3,941,903Expenses 2020: $3,092,103Net Income 2020: $849,8002020Revenue 2021: $4,259,260Expenses 2021: $3,367,855Net Income 2021: $891,4052021Revenue 2022: $5,018,652Expenses 2022: $3,802,751Net Income 2022: $1,215,9012022

Highlighted filing

2018

Revenue$3,649,035
Expenses$2,768,819
Net Income$880,216
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 7, 2019
Return Version
2018v3.1
Gross Receipts
$3,665,683
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$37,738,794$40,815,207▲ $3,076,413
Investments in Publicly Traded Securities$19,874,471$19,773,204▼ $101,267
Savings and Temporary Cash Investments$11,301,333$11,283,565▼ $17,768
Rtn Earn Endowment Incm Other Fnds$8,561,243$9,292,155▲ $730,912
Land, Buildings, and Equipment, Net$1,691,973$1,619,916▼ $72,057
Investments Other Securities$411,300$1,458,586▲ $1,047,286
Cash and Non-Interest-Bearing Accounts$1,306,460$1,147,227▼ $159,233
Accounts Receivable-$106,068-
Prepaid Expenses and Deferred Charges$35,633$93,471▲ $57,838
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$73,257,453$77,266,557▲ $4,009,104
Other Assets Total$897,489$969,313▲ $71,824
Liabilities
Other Liabilities$63,296,241$66,323,422▲ $3,027,181
Accounts Payable and Accrued Expenses$1,399,969$1,650,980▲ $251,011
Total Liabilities$64,696,210$67,974,402▲ $3,278,192
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,561,243$9,292,155▲ $730,912
Total Liabilities and Net Assets / Fund Balance$73,257,453$77,266,557▲ $4,009,104

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$899,549$1,009,562$1,909,111
Other Land Buildings$146,962$673,722$820,684
Land$542,708-$542,708
Leasehold Improvements$30,697$109,627$140,324
Compensation and Service Providers
Top Officer Pay32nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Barbara MillsCEOFT$106,432$20,767$127,199
Gary AltmanCOOFT$81,310$29,578$110,888

Board Members and Trustees

NameTitle
Anne M WirgauChairperson
Mike VoglerVice Chair
Dennis S LykDirector
Matthew MertzDirector
Scott McLennanDirector
Mark KarstenSecretary
Donald K WhiteTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CU AnswersData Processing6000 28th St SE, Grand Rapids, MI 48456$272,552
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,901,779
Investment Income
$727,532
Other Revenue
$19,724
Change in Net Assets
$880,216
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,679,490
Salaries, Compensation, and Employee Benefits$1,089,329
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$630,849
Current Officers, Directors, Trustees, and Key Employees---$238,087
Interest---$204,459
Information Technology---$187,289
Office Expenses---$172,377
Depreciation Depletion---$135,834
All Other Expenses---$126,020
Occupancy---$106,429
Other Employee Benefits---$93,213
Advertising---$82,965
Payroll Taxes---$65,078
Other Expenses---$64,510
Pension Plan Contributions---$62,102
Fees for Services Other---$59,564
Travel---$45,862
Insurance---$37,664
Fees for Services Legal---$24,601
Fees for Services Accounting---$22,831
Fees for Service Investment Mgmnt Fees---$13,704
Total Functional Expenses$0$0$0$2,768,819
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares$66,323,422
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Section 501c(14) Credit Union is composed of members.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Credit Committee.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Credit 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.”

Filing and Contact Details

Filer

Filer Name
Calcite Credit Union
EIN
38-1710121
Phone
9897344130
Address
478 North Third Street, Rogers City, MI 49779

Signing Officer

Name
Barbara Mills
Title
CEO
Signed
2019-05-07
Discuss with paid preparer
Yes

Organization Details

Formed
1961
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
28
Volunteers
9

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Robert Draeger
Phone
8005225820
Raw XML AppendixShowing 400 of 422 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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IRS990/OtherAssetsTotalGrp/EOYAmt0969313
IRS990/OtherEmployeeBenefitsGrp/TotalAmt093213
IRS990/OtherExpensesGrp/Desc0ATM Expense
IRS990/OtherExpensesGrp/Desc1VISA Expense
IRS990/OtherExpensesGrp/Desc2Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc3Loan Servicing
IRS990/OtherExpensesGrp/TotalAmt0173484
IRS990/OtherExpensesGrp/TotalAmt1146063
IRS990/OtherExpensesGrp/TotalAmt275834
IRS990/OtherExpensesGrp/TotalAmt364510
IRS990/OtherLiabilitiesGrp/BOYAmt063296241
IRS990/OtherLiabilitiesGrp/EOYAmt066323422
IRS990/OtherRevenueMiscGrp/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0Insurance Handling Fees
IRS990/OtherRevenueMiscGrp/Desc1Non-Member ATM Fees
IRS990/OtherRevenueMiscGrp/Desc2Sprint Reimbursements
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt06593
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt06593
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt113131
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt013131
IRS990/OtherRevenueTotalAmt019724
IRS990/OtherSalariesAndWagesGrp/TotalAmt0630849
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt037738794
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt040815207
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt065078
IRS990/PensionPlanContributionsGrp/TotalAmt062102
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt035633
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt093471
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0Fees and Charges
IRS990/ProgramServiceRevenueGrp/Desc1Income from Loans
IRS990/ProgramServiceRevenueGrp/Desc2Interchange Income
IRS990/ProgramServiceRevenueGrp/Desc3Other Income
IRS990/ProgramServiceRevenueGrp/Desc4Share Draft Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0184486
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12122455
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2346275
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt394378
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4154185
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0184486
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12122455
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2346275
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt394378
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4154185
IRS990/ProgSrvcAccomActy2Grp/Desc0The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2018 was 5,646.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0539726
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01597245
IRS990/PYOtherRevenueAmt0113616
IRS990/PYProgramServiceRevenueAmt02639688
IRS990/PYRevenuesLessExpensesAmt0717290
IRS990/PYSalariesCompEmpBnftPaidAmt0978495
IRS990/PYTotalExpensesAmt02575740
IRS990/PYTotalRevenueAmt03293030
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0880216
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08561243
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09292155
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011301333
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011283565
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0899549
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01009562
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01909111
IRS990ScheduleD/LandGrp/BookValueAmt0542708
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0542708
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt030697
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0109627
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0140324
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0146962
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0673722
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0820684
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt066323422
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Total Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01619916
IRS990ScheduleD/TotalLiabilityAmt066323422
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Credit Committee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Credit 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/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt073257453
IRS990/TotalAssetsEOYAmt077266557
IRS990/TotalAssetsGrp/BOYAmt073257453
IRS990/TotalAssetsGrp/EOYAmt077266557
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt028
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02768819
IRS990/TotalGrossUBIAmt013131
IRS990/TotalLiabilitiesBOYAmt064696210
IRS990/TotalLiabilitiesEOYAmt067974402
IRS990/TotalLiabilitiesGrp/BOYAmt064696210
IRS990/TotalLiabilitiesGrp/EOYAmt067974402
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08561243
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt09292155
IRS990/TotalOtherCompensationAmt050345
IRS990/TotalProgramServiceRevenueAmt02901779
IRS990/TotalReportableCompFromOrgAmt0187742
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03635904
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03649035
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt013131
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt073257453
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt077266557
IRS990/TravelGrp/TotalAmt045862
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0478 North Third Street
IRS990/USAddress/CityNm0Rogers City
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd049779
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.calcitecu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Barbara Mills
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$77,266,557
Liabilities
$67,974,402
Net assets
$9,292,155
Revenue
$3,649,035
Expenses
$2,768,819
Net income
$880,216
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$127$116$10.8$5.02$3.80$1.22
2021Detailed filing. Detailed filing data is available for this year.$121$109$12.3$4.26$3.37$0.89
2020Detailed filing. Detailed filing data is available for this year.$99.8$87.7$12.1$3.94$3.09$0.85
2019Detailed filing. Detailed filing data is available for this year.$82.2$71.3$10.9$3.91$2.95$0.97
2018Detailed filing. Detailed filing data is available for this year.$77.3$68.0$9.29$3.65$2.77$0.88
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$73.3$64.7$8.56$3.29$2.58$0.72
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$68.4$60.5$7.95$2.99$2.36$0.63
2015Detailed filing. Detailed filing data is available for this year.$63.3$55.8$7.52$2.75$2.27$0.48
2014Detailed filing. Detailed filing data is available for this year.$59.0$51.9$7.09$2.63$2.13$0.50
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$56.3$49.8$6.56$2.59$2.22$0.37
2012Summary only. Only limited summary data is available for this year.$53.0$46.4$6.56$2.55$2.17$0.38
2011Summary only. Only limited summary data is available for this year.$48.7$43.4$5.35$2.43$2.01$0.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.3$37.8$5.53$2.14