Civic Intelligence

Owosso Columbus Credit Union Credit Unions Chartered in Michigan

990 • Fiscal year 2014 • EIN 38-1857035

Jan 01, 2014 to Dec 31, 2014 • Filed on May 13, 2015

Organization Profilen/a
1259 E Main PO Box 672Owosso, MI 48867

(989) 723-2243

Siviq Scores

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

Liabilities / Assets

72nd percentile

0.89x

Higher debt load relative to assets than 72% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Liabilities / Revenue

79th percentile

26.62x

Higher debt load relative to revenue than 79% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Net Margin

55th percentile

4.1%

Higher net margin than 55% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Top Officer Pay

34th percentile

$42,500

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 15.2% of source-year revenue.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Asset Growth

79th percentile

4.7%

Faster asset growth than 79% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Revenue Growth

98th percentile

27%

Faster revenue growth than 98% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$8,339,100

Up $371,361 (+4.7%) from 2013

Net Assets

Up

$887,066

Up $11,433 (+1.3%) from 2013

Liabilities

Up

$7,452,034

Up $359,928 (+5.1%) from 2013

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin55th percentile

Revenue

Up

$279,913

Up $58,644 (+27%) from 2013

Expenses

Up

$268,480

Up $5,361 (+2.0%) from 2013

Net Income

Up

$11,433

Up $53,283 (+127%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth79th 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

2014

Assets$8,339,100
Liabilities$7,452,034
Net Assets$887,066
Open 2014 Filing

Operations Trend

Revenue Growth98th 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

2014

Revenue$279,913
Expenses$268,480
Net Income$11,433
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 13, 2015
Return Version
2014v5.0
Gross Receipts
$279,913
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
Other Notes and Loans Receivable, Net$3,247,238$4,900,798▲ $1,653,560
Investments in Publicly Traded Securities$4,519,569$3,138,325▼ $1,381,244
Rtn Earn Endowment Incm Other Fnds$875,633$887,066▲ $11,433
Cash and Non-Interest-Bearing Accounts$123,063$216,281▲ $93,218
Total Assets$7,967,739$8,339,100▲ $371,361
Other Assets Total$77,869$83,696▲ $5,827
Liabilities
Other Liabilities$7,038,754$7,254,404▲ $215,650
Accounts Payable and Accrued Expenses$53,352$197,630▲ $144,278
Total Liabilities$7,092,106$7,452,034▲ $359,928
Net Assets / Fund Balance
Total Net Assets Fund Balance$875,633$887,066▲ $11,433
Total Liabilities and Net Assets / Fund Balance$7,967,739$8,339,100▲ $371,361
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Suzanne HuttoCEO/Manager/TREASURERFT$42,500$42,500

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
$161,293
Investment Income
$62,251
Other Revenue
$56,369
Change in Net Assets
$11,433
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$140,216
Salaries, Compensation, and Employee Benefits$128,264
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$75,125--$75,125
Office Expenses$64,349--$64,349
Current Officers, Directors, Trustees, and Key Employees$42,500--$42,500
Occupancy$11,456--$11,456
Payroll Taxes$10,639--$10,639
All Other Expenses$7,896--$7,896
Travel$6,416--$6,416
Advertising$5,347--$5,347
Other Expenses$935--$935
Total Functional Expenses$268,480$0$0$268,480
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
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
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

PART VI, SECTION B, LINE 11A

“Review of 990 is done at board meeting”

Filing and Contact Details

Filer

Filer Name
Owosso Columbus Credit Union
EIN
38-1857035
Phone
9897232243
Address
1259 E Main PO Box 672, Owosso, MI 48867

Signing Officer

Name
Suzanne Hutto
Title
Manager
Phone
9897232243
Signed
2015-05-13

Organization Details

Legal Domicile
Mi
Voting Board Members
16
Independent Board Members
16
Employees
6
Volunteers
20

Preparer

Firm
H and R Block
Address
602 W MAIN ST, OWOSSO, MI 48867
Preparer
Robert Hemenway
Phone
9897235977
Raw XML Appendix301 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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ReturnHeader/BuildTS02016-02-25 16:41:14Z
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ReturnHeader/BusinessOfficerGrp/PhoneNum09897232243
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-13
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ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0Credit Unions Chartered In Michigan
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ReturnHeader/Filer/EIN0381857035
ReturnHeader/Filer/PhoneNum09897232243
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ReturnHeader/Filer/USAddress/ZIPCd048867
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd048867
ReturnHeader/PreparerPersonGrp/PhoneNum09897235977
ReturnHeader/PreparerPersonGrp/PreparationDt02015-05-28
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROBERT HEMENWAY
ReturnHeader/ReturnTs02015-05-28T20:32:51Z
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,339,100
Liabilities
$7,452,034
Net assets
$887,066
Revenue
$279,913
Expenses
$268,480
Net income
$11,433
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