Civic Intelligence

Owosso Columbus Credit Union Credit Unions Chartered in Michigan

990 • Fiscal year 2013 • EIN 38-1857035

Jan 01, 2013 to Dec 31, 2013 • Filed on May 14, 2014

Organization Profilen/a
1259 E Main PO Box 67248867

(989) 723-2243

Siviq Scores

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

Liabilities / Assets

71st percentile

0.89x

Higher debt load relative to assets than 71% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

91st percentile

32.05x

Higher debt load relative to revenue than 91% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

15th percentile

-19%

Higher net margin than 15% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

26th percentile

$35,350

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 16.0% of source-year revenue.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Asset Growth

90th percentile

7.8%

Faster asset growth than 90% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2013

Revenue Growth

62nd percentile

12%

Faster revenue growth than 62% of similar nonprofits.

2013 filings • $5M-$10M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$7,967,739

Up $574,515 (+7.8%) from 2012

Net Assets

Down

$875,633

Down $41,827 (-4.6%) from 2012

Liabilities

Up

$7,092,106

Up $616,342 (+9.5%) from 2012

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin15th percentile

Revenue

Up

$221,269

Up $22,908 (+12%) from 2012

Expenses

Up

$263,119

Up $45,995 (+21%) from 2012

Net Income

Down

-$41,850

Down $23,087 (-123%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth90th percentile

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

$10M$5.0M$0Assets 2010: $6,768,521Liabilities 2010: $5,820,881Net Assets 2010: $947,6402010Assets 2011: $7,125,691Liabilities 2011: $6,189,544Net Assets 2011: $936,1472011Assets 2012: $7,393,224Liabilities 2012: $6,475,764Net Assets 2012: $917,4602012Assets 2013: $7,967,739Liabilities 2013: $7,092,106Net Assets 2013: $875,6332013Assets 2014: $8,339,100Liabilities 2014: $7,452,034Net Assets 2014: $887,0662014

Highlighted filing

2013

Assets$7,967,739
Liabilities$7,092,106
Net Assets$875,633
Open 2013 Filing

Operations Trend

Revenue Growth62nd percentile

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

$300K$200K$100K$0-$100KExpenses 2010: $233,9872010Expenses 2011: $217,3252011Revenue 2012: $198,361Expenses 2012: $217,124Net Income 2012: -$18,7632012Revenue 2013: $221,269Expenses 2013: $263,119Net Income 2013: -$41,8502013Revenue 2014: $279,913Expenses 2014: $268,480Net Income 2014: $11,4332014

Highlighted filing

2013

Revenue$221,269
Expenses$263,119
Net Income-$41,850
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 14, 2014
Return Version
2013v3.0
Gross Receipts
$221,269
Mission and Program Overview

Mission

The Owosso Columbus Credit Union is a Michigan State-Chartered Credit Union. It provides competitive deposit and loan products to the membership base according to the Michigan Credit Union Act.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$4,982,569$4,519,569▼ $463,000
Other Notes and Loans Receivable, Net$2,223,408$3,247,238▲ $1,023,830
Rtn Earn Endowment Incm Other Fnds$917,460$875,633▼ $41,827
Cash and Non-Interest-Bearing Accounts$116,968$123,063▲ $6,095
Total Assets$7,393,224$7,967,739▲ $574,515
Other Assets Total$70,279$77,869▲ $7,590
Liabilities
Other Liabilities$6,455,561$7,038,754▲ $583,193
Accounts Payable and Accrued Expenses$20,203$53,352▲ $33,149
Total Liabilities$6,475,764$7,092,106▲ $616,342
Net Assets / Fund Balance
Total Net Assets Fund Balance$917,460$875,633▼ $41,827
Total Liabilities and Net Assets / Fund Balance$7,393,224$7,967,739▲ $574,515

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$18,341--
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Suzanne HuttoCEO/Manager/TREASURERFT$35,350$35,350

Board Members and Trustees

NameTitle
Wilfred FarrellChairman
Charles HeggVice Chair
Gerald BendisDirector
Jan ElbingDirector
Richard ZwolenskyDirector
Robert BendellDirector
Karen RokaSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$104,281
Investment Income
$66,653
Other Revenue
$50,335
Change in Net Assets
$-41,850
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$146,356
Salaries, Compensation, and Employee Benefits$116,763
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$71,292--$71,292
Office Expenses$60,662--$60,662
Current Officers, Directors, Trustees, and Key Employees$35,350--$35,350
All Other Expenses$17,816--$17,816
Occupancy$12,293--$12,293
Payroll Taxes$10,121--$10,121
Advertising$5,272--$5,272
Travel$2,741--$2,741
Other Expenses$82--$82
Total Functional Expenses$263,119$0$0$263,119
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares$7,038,754
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

EIN
38-1857035
Phone
9897232243

Signing Officer

Name
Suzanne Hutto
Title
Manager
Phone
9897232243
Signed
2014-05-14

Organization Details

Principal Officer
Suzanne Hutto
Legal Domicile
Mi
Voting Board Members
16
Independent Board Members
16
Employees
6
Volunteers
16

Preparer

Preparer
Ronald Hemenway
Phone
9897235977
Supplemental Narrative

Additional Explanations

Page 6

“DOES NOT APPLY”

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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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ReturnHeader/Filer/BusinessName/BusinessNameLine10Owosso Columbus Credit Union
ReturnHeader/Filer/BusinessName/BusinessNameLine20Credit Unions Chartered In Michigan
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ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RONALD HEMENWAY
ReturnHeader/ReturnTs02014-04-29T13:57:00Z
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
$7,967,739
Liabilities
$7,092,106
Net assets
$875,633
Revenue
$221,269
Expenses
$263,119
Net income
-$41,850
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$8.34$7.45$0.89$0.28$0.27$0.01
2013Detailed filing. Detailed filing data is available for this year.$7.97$7.09$0.88$0.22$0.26$0.04
2012Summary only. Only limited summary data is available for this year.$7.39$6.48$0.92$0.20$0.22$0.02
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.13$6.19$0.94$0.22
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.77$5.82$0.95$0.23