Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 38-1861541

Jan 01, 2013 to Sep 30, 2013 • Filed on Nov 23, 2014

Organization ProfileN/A
18441 Utica Road48066

(586) 772-6330

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2013

Liabilities / Revenue

58th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2013 filings • <$500k nonprofits • Source year 2013

Net Margin

14th percentile

-33%

Higher net margin than 14% of similar nonprofits.

2013 filings • <$500k 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

1st percentile

-100%

Faster asset growth than 1% of similar nonprofits.

2013 filings • <$500k nonprofits • Annualized from 2012 to 2013

Revenue Growth

15th percentile

-31%

Faster revenue growth than 15% of similar nonprofits.

2013 filings • <$500k nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $13,721,774 (-100%) from 2012

Net Assets

Down

$0

Down $1,033,828 (-100%) from 2012

Liabilities

Down

$0

Down $12,687,946 (-100%) from 2012

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin14th percentile

Revenue

Down

$350,037

Down $157,665 (-31%) from 2012

Expenses

Down

$464,988

Down $145,479 (-24%) from 2012

Net Income

Down

-$114,951

Down $12,186 (-12%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth1st percentile

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

$15M$10M$5.0M$0Assets 2010: $12,438,176Liabilities 2010: $11,211,994Net Assets 2010: $1,226,1822010Assets 2011: $13,110,167Liabilities 2011: $11,973,574Net Assets 2011: $1,136,5932011Assets 2012: $13,721,774Liabilities 2012: $12,687,946Net Assets 2012: $1,033,8282012Assets 2013: $0Liabilities 2013: $0Net Assets 2013: $02013

Highlighted filing

2013

Assets$0
Liabilities$0
Net Assets$0
Open 2013 Filing

Operations Trend

Revenue Growth15th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $737,0312010Expenses 2011: $660,9662011Revenue 2012: $507,702Expenses 2012: $610,467Net Income 2012: -$102,7652012Revenue 2013: $350,037Expenses 2013: $464,988Net Income 2013: -$114,9512013

Highlighted filing

2013

Revenue$350,037
Expenses$464,988
Net Income-$114,951
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Sep 30, 2013
Signed
Nov 23, 2014
Return Version
2013v3.0
Gross Receipts
$350,037
Mission and Program Overview

Mission

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$6,588,800$0▼ $6,588,800
Other Notes and Loans Receivable, Net$3,391,864$0▼ $3,391,864
Savings and Temporary Cash Investments$3,212,253$0▼ $3,212,253
Rtn Earn Endowment Incm Other Fnds$1,033,828$0▼ $1,033,828
Cash and Non-Interest-Bearing Accounts$219,950$0▼ $219,950
Land, Buildings, and Equipment, Net$75,723$0▼ $75,723
Prepaid Expenses and Deferred Charges$30,351$0▼ $30,351
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$13,721,774$0▼ $13,721,774
Other Assets Total$202,833$0▼ $202,833
Liabilities
Other Liabilities$12,660,469--
Accounts Payable and Accrued Expenses$27,477--
Total Liabilities$12,687,946$0▼ $12,687,946
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,033,828$0▼ $1,033,828
Total Liabilities and Net Assets / Fund Balance$13,721,774$0▼ $13,721,774
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Frances PierceCEOFT$59,085$59,085

Board Members and Trustees

NameTitle
James Shereda SrPresident
Frances SchulteVice President
William PistorioDirector
Arzo SmithDirector (left 9/1/13)
Kurt KleinDirector (left 9/1/13)
Thomas GuswilerDirector (left 9/1/13)
Torrance BossickDirector (left 9/1/13)
Marie CilluffoSecretary
James LentzTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$259,817
Investment Income
$81,923
Other Revenue
$8,297
Change in Net Assets
$-114,951
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$242,499
Salaries, Compensation, and Employee Benefits$222,489
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$120,628
Office Expenses---$97,092
Current Officers, Directors, Trustees, and Key Employees---$59,085
Fees for Services Other---$24,183
Payroll Taxes---$16,523
Advertising---$16,396
Pension Plan Contributions---$16,042
Occupancy---$15,378
Insurance---$12,258
Other Employee Benefits---$10,211
Other Expenses---$5,280
Travel---$5,275
Fees for Services Accounting---$4,693
Conferences and Meetings---$658
Total Functional Expenses$0$0$0$464,988
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-
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Section 501(c)(14) credit union is composed of members.”

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

“Members vote and elect board members at the annual meeting.”

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

“Mergers, bylaw changes, charter changes, and field of membership changes are voted on by the entire membership.”

Form 990, Part VI, Section B, Line 11

“Management reviews the tax returns and forwards the form 8879 to the tax preparer. The board reviews the filed tax returns at the next scheduled meeting.”

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

“Annual policy review by board members and staff.”

Form 990, Part VI, Section B, Line 15

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

Form 990, Part VI, Section C, Line 19

“The credit union's 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

EIN
38-1861541
Phone
5867726330

Signing Officer

Name
Patricia L Campbell
Title
President/CEO of Successor Org
Phone
5867726330
Signed
2014-11-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Patricia L Campbell
Formed
1966
Legal Domicile
Mi
Voting Board Members
5
Independent Board Members
5
Employees
8
Volunteers
9

Preparer

Preparer
Joseph a Zito CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“MERGER -918,930.”

Raw XML Appendix381 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/Form990PartVIISectionAGrp/PersonNm2JAMES LENTZ
IRS990/Form990PartVIISectionAGrp/PersonNm3MARIE CILLUFFO
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IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR (LEFT 9/1/13)
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR (LEFT 9/1/13)
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR (LEFT 9/1/13)
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR (LEFT 9/1/13)
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine10CHRISTIAN FINANCIAL CREDIT UNION
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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0381418180
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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0THE ASSETS ARE VALUED AT FAIR VALUE.
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1018441 UTICA ROAD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/City0ROSEVILLE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/State0MI
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCode048066
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SECTION 501(C)(14) CREDIT UNION IS COMPOSED OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS VOTE AND ELECT BOARD MEMBERS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MERGERS, BYLAW CHANGES, CHARTER CHANGES, AND FIELD OF MEMBERSHIP CHANGES ARE VOTED ON BY THE ENTIRE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT REVIEWS THE TAX RETURNS AND FORWARDS THE FORM 8879 TO THE TAX PREPARER. THE BOARD REVIEWS THE FILED TAX RETURNS AT THE NEXT SCHEDULED MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANNUAL POLICY REVIEW BY BOARD MEMBERS AND STAFF.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION'S 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/ExplanationTxt7MERGER -918,930.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt013721774
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt013721774
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/TotalAmt0464988
IRS990/TotalGrossUBIAmt04890
IRS990/TotalLiabilitiesBOYAmt012687946
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt012687946
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01033828
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0259817
IRS990/TotalReportableCompFromOrgAmt059085
IRS990/TotalRevenueGrp/ExclusionAmt081923
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0263224
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0350037
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt04890
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt013721774
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt05275
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1018441 UTICA ROAD
IRS990/USAddress/City0ROSEVILLE
IRS990/USAddress/State0MI
IRS990/USAddress/ZIPCode048066
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0PATRICIA L CAMPBELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO OF SUCCESSOR ORG
ReturnHeader/BusinessOfficerGrp/PhoneNum05867726330
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-23
ReturnHeader/Filer/BusinessName/BusinessNameLine10ARC CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ARCC
ReturnHeader/Filer/EIN0381861541
ReturnHeader/Filer/PhoneNum05867726330
ReturnHeader/Filer/USAddress/AddressLine1018441 UTICA ROAD
ReturnHeader/Filer/USAddress/City0ROSEVILLE
ReturnHeader/Filer/USAddress/State0MI
ReturnHeader/Filer/USAddress/ZIPCode048066
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0382492570
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10DOEREN MAYHEW
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10305 WEST BIG BEAVER ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0TROY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode048084
ReturnHeader/PreparerPersonGrp/PhoneNum02482443000
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOSEPH A ZITO CPA
ReturnHeader/ReturnTs02014-11-23T13:23:27-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-09-30
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
$0
Liabilities
$0
Net assets
$0
Revenue
$350,037
Expenses
$464,988
Net income
-$114,951
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.35$0.46$0.11
2012Summary only. Only limited summary data is available for this year.$13.7$12.7$1.03$0.51$0.61$0.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.1$12.0$1.14$0.66
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.4$11.2$1.23$0.74