Civic Intelligence

Owosso Columbus Credit Union Credit Unions Chartered in Michigan

990 • Fiscal year 2012 • EIN 38-1857035

Jan 01, 2012 to Dec 31, 2012

Siviq Scores

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

Liabilities / Assets

65th percentile

0.88x

Higher debt load relative to assets than 65% of similar nonprofits.

2012 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2012

Liabilities / Revenue

99th percentile

32.65x

Higher debt load relative to revenue than 99% of similar nonprofits.

2012 filings • $5M-$10M nonprofits • Source year 2012

Net Margin

26th percentile

-9.5%

Higher net margin than 26% of similar nonprofits.

2012 filings • $5M-$10M nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

67th percentile

3.8%

Faster asset growth than 67% of similar nonprofits.

2012 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

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

Source year 2012

Assets

Up

$7,393,224

Up $267,533 (+3.8%) from 2011

Net Assets

Down

$917,460

Down $18,687 (-2.0%) from 2011

Liabilities

Up

$6,475,764

Up $286,220 (+4.6%) from 2011

Revenue

$198,361

No earlier filing loaded for comparison.

Expenses

Down

$217,124

Down $201 (-0.1%) from 2011

Net Income

-$18,763

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

2012

Assets$7,393,224
Liabilities$6,475,764
Net Assets$917,460

Operations Trend

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

2012

Revenue$198,361
Expenses$217,124
Net Income-$18,763
Filing Detail Status

This 2012 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
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.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings