Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 38-1721609

Jan 01, 2013 to Dec 31, 2013 • Filed on May 02, 2013

Organization Profile
P O Box 16448376

(248) 344-2560

Siviq Scores

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

Liabilities / Assets

95th percentile

0.92x

Higher debt load relative to assets than 95% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

33rd percentile

13.33x

Higher debt load relative to revenue than 33% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

1st percentile

-137%

Higher net margin than 1% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

7th percentile

-10%

Faster asset growth than 7% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets95th percentile

Assets

Down

$1,501,090

Down $175,260 (-10%) from 2012

Net Assets

Down

$122,907

Down $141,624 (-54%) from 2012

Liabilities

Down

$1,378,183

Down $33,636 (-2.4%) from 2012

Revenue And Expenses
Liabilities / Revenue33rd percentileNet Margin1st percentile

Revenue

$103,371

No earlier filing loaded for comparison.

Expenses

Up

$244,995

Up $74,034 (+43%) from 2012

Net Income

-$141,624

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth7th percentile

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

$3.0M$2.0M$1.0M$0Assets 2009: $2,019,254Liabilities 2009: $1,481,904Net Assets 2009: $537,3502009Assets 2011: $1,803,930Liabilities 2011: $1,470,888Net Assets 2011: $333,0422011Assets 2012: $1,676,350Liabilities 2012: $1,411,819Net Assets 2012: $264,5312012Assets 2013: $1,501,090Liabilities 2013: $1,378,183Net Assets 2013: $122,9072013

Highlighted filing

2013

Assets$1,501,090
Liabilities$1,378,183
Net Assets$122,907
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0-$200K-$400KRevenue 2009: $144,785Expenses 2009: $427,807Net Income 2009: -$283,0222009Expenses 2011: $113,6352011Expenses 2012: $170,9612012Revenue 2013: $103,371Expenses 2013: $244,995Net Income 2013: -$141,6242013

Highlighted filing

2013

Revenue$103,371
Expenses$244,995
Net Income-$141,624
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 2, 2013
Return Version
2013v3.0
Gross Receipts
$103,371
Mission and Program Overview

Mission

To provide service excellence and meet the financial needs of our member/owners by offering high quality, low cost financial products, services and information while maintaining fiscal soundness. We are dedicated to serving the members' best interest and earning the trust, confidence and loyalty of our membership by operating in a personal, ethical and financially sound manner. The foundation of our mission is established from the credit union philosophy of "people helping people" and it is the objective of every member of the Board of Directors, all committees, management and staff.

To provide financial services to member owners with a common bond

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$429,956$514,917▲ $84,961
Investments Other Securities$700,100$500,100▼ $200,000
Other Notes and Loans Receivable, Net$404,282$396,312▼ $7,970
Rtn Earn Endowment Incm Other Fnds$264,531$122,907▼ $141,624
Savings and Temporary Cash Investments$78,146$31,794▼ $46,352
Prepaid Expenses and Deferred Charges$25,827--
Cash and Non-Interest-Bearing Accounts$5,547$19,309▲ $13,762
Land, Buildings, and Equipment, Net$1,796$0▼ $1,796
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,676,350$1,501,090▼ $175,260
Other Assets Total$30,696$38,658▲ $7,962
Liabilities
Other Liabilities$1,404,224$1,324,120▼ $80,104
Accounts Payable and Accrued Expenses$7,595$54,063▲ $46,468
Total Liabilities$1,411,819$1,378,183▼ $33,636
Net Assets / Fund Balance
Total Net Assets Fund Balance$264,531$122,907▼ $141,624
Total Liabilities and Net Assets / Fund Balance$1,676,350$1,501,090▼ $175,260

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$159,620$159,620
Leasehold Improvements$0$9,501$9,501
Investment Program Related Org$514,917--
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Other Securities$100--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kelly HornManagerFT$54,360$605$54,965

Board Members and Trustees

NameTitle
Kris KapciaPresident
Art EllulVice President
David BrandlyDirector
Michael MansfieldDirector
Nicholas KellowDirector/membership officer
Kerry FaySecretary
Jeffrey UnruhTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$95,455
Investment Income
$7,916
Other Revenue
$0
Change in Net Assets
$-141,624
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$171,812
Salaries, Compensation, and Employee Benefits$73,183
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$59,868
Current Officers, Directors, Trustees, and Key Employees---$54,965
Information Technology---$36,064
Occupancy---$30,982
Fees for Services Other---$15,948
Other Salaries and Wages---$12,337
Insurance---$9,845
Fees for Services Accounting---$8,540
Payroll Taxes---$5,758
Interest---$1,162
Depreciation Depletion---$783
Other Expenses---$293
Pension Plan Contributions---$123
Total Functional Expenses$0$0$0$244,995
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$1,324,120
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The Credit Union has a single class of members with equal rights of ownership, governance and voting.”

Form 990, Part VI, Section A, Line 7A

“The Board of Directors is elected at the Annual Meeting. Each Board member is elected for a three year term.”

Form 990, Part VI, Section A, Line 7B

“The Credit Union decisions that are subject to membership approval are mergers, field of membership changes, by-law changes and charter changes.”

Form 990, Part VI, Section B, Line 11B

“A review is conducted by the manager prior to submission to the IRS. The returns are also reviewed by the Board of Directors.”

Form 990, Part VI, Section B, Line 12C

“The Board of Directors review the policy and any conflicts of interest at the organizational meeting each year. This is also completed when new members are appointed or elected to the Board.”

Form 990, Part VI, Section B, Line 15

“The Board of Directors completes a performance appraisal of the manager annually. Salary increases are approved by the board based on performance with the use of comparability data. The last performance appraisal was completed in 2013, however no changes in compensation have occurred since 2006.”

Form 990, Part VI, Section C, Line 19

“Financial Statements are posted in the Credit Union lobby. Other documents and policies are available for review upon request.”

Filing and Contact Details

Filer

EIN
38-1721609
Phone
2483442560

Signing Officer

Name
Kelly Horn
Title
Manager
Phone
2483442560
Signed
2013-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kelly Horn
Formed
1962
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
10

Preparer

Preparer
Julia Lynn Rust
Phone
5862961155
Supplemental Narrative

Additional Explanations

Form 990, Part IV, Line 12A

“Audited Financial Statements were completed as of August 31. The Credit Union's tax year ends December 31, therefore Schedule D Parts XI, XII and XIII cannot be completed.”

Raw XML Appendix399 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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IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Alloya Corporate Federal Credit Union
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0500000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1100
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Certificates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Co-op Network Stock
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalBookValueProgramRltdAmt0514917
IRS990ScheduleD/TotalBookValueSecuritiesAmt0500100
IRS990ScheduleD/TotalLiabilityAmt01324120
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Audited Financial Statements were completed as of August 31. The Credit Union's tax year ends December 31, therefore Schedule D Parts XI, XII and XIII cannot be completed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Credit Union has a single class of members with equal rights of ownership, governance and voting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Board of Directors is elected at the Annual Meeting. Each Board member is elected for a three year term.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Credit Union decisions that are subject to membership approval are mergers, field of membership changes, by-law changes and charter changes.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A review is conducted by the manager prior to submission to the IRS. The returns are also reviewed by the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Board of Directors review the policy and any conflicts of interest at the organizational meeting each year. This is also completed when new members are appointed or elected to the Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The Board of Directors completes a performance appraisal of the manager annually. Salary increases are approved by the board based on performance with the use of comparability data. The last performance appraisal was completed in 2013, however no changes in compensation have occurred since 2006.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Financial Statements are posted in the Credit Union lobby. Other documents and policies are available for review upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part IV, Line 12a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01676350
IRS990/TotalAssetsEOYAmt01501090
IRS990/TotalAssetsGrp/BOYAmt01676350
IRS990/TotalAssetsGrp/EOYAmt01501090
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0244995
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01411819
IRS990/TotalLiabilitiesEOYAmt01378183
IRS990/TotalLiabilitiesGrp/BOYAmt01411819
IRS990/TotalLiabilitiesGrp/EOYAmt01378183
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0264531
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0122907
IRS990/TotalOtherCompensationAmt0605
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt095455
IRS990/TotalReportableCompFromOrgAmt054360
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0103371
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0103371
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01676350
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01501090
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10PO Box 164
IRS990/USAddress/City0Novi
IRS990/USAddress/State0MI
IRS990/USAddress/ZIPCode048376
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Kelly Horn
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum02483442560
ReturnHeader/BusinessOfficerGrp/SignatureDt02013-05-02
ReturnHeader/Filer/BusinessName/BusinessNameLine10Credit Unions Chartered in the State of Michigan
ReturnHeader/Filer/BusinessName/BusinessNameLine20Iron Workers Local 25 Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0381721609
ReturnHeader/Filer/PhoneNum02483442560
ReturnHeader/Filer/USAddress/AddressLine10P O Box 164
ReturnHeader/Filer/USAddress/City0Novi
ReturnHeader/Filer/USAddress/State0MI
ReturnHeader/Filer/USAddress/ZIPCode048376
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0382336859
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Cindrich Mahalak & Co
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1031215 Jefferson Ave
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0St Clair Shores
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode048082
ReturnHeader/PreparerPersonGrp/PhoneNum05862961155
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Julia Lynn Rust
ReturnHeader/ReturnTs02014-05-02T09:52:36-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,501,090
Liabilities
$1,378,183
Net assets
$122,907
Revenue
$103,371
Expenses
$244,995
Net income
-$141,624
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$1.50$1.38$0.12$0.10$0.24$0.14
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.68$1.41$0.26$0.17
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.80$1.47$0.33$0.11
2009Summary only. Only limited summary data is available for this year.$2.02$1.48$0.54$0.14$0.43$0.28
Peer Organizations

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