Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2010 • EIN 38-1987607

Jan 01, 2010 to Dec 31, 2010 • Filed on Jun 27, 2011

34857 S Townline Rd49726
Siviq Scores

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

Liabilities / Assets

76th percentile

0.91x

Higher debt load relative to assets than 76% of similar nonprofits.

2010 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

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

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

$32,230,947

No earlier filing loaded for comparison.

Net Assets

$2,989,020

No earlier filing loaded for comparison.

Liabilities

$29,241,927

No earlier filing loaded for comparison.

Revenue

-

No earlier filing loaded for comparison.

Expenses

$1,214,343

No earlier filing loaded for comparison.

Net Income

-

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.

$60M$40M$20M$0Assets 2010: $32,230,947Liabilities 2010: $29,241,927Net Assets 2010: $2,989,0202010Assets 2011: $30,228,107Liabilities 2011: $27,004,243Net Assets 2011: $3,223,8642011Assets 2012: $29,771,218Liabilities 2012: $26,424,240Net Assets 2012: $3,346,9782012Assets 2013: $31,417,060Liabilities 2013: $28,003,117Net Assets 2013: $3,413,9432013Assets 2014: $32,863,775Liabilities 2014: $29,276,084Net Assets 2014: $3,587,6912014Assets 2015: $31,594,611Liabilities 2015: $28,070,036Net Assets 2015: $3,524,5752015Assets 2016: $31,878,331Liabilities 2016: $28,000,555Net Assets 2016: $3,877,7762016Assets 2017: $32,789,446Liabilities 2017: $28,929,506Net Assets 2017: $3,859,9402017Assets 2018: $32,785,455Liabilities 2018: $28,474,515Net Assets 2018: $4,310,9402018Assets 2019: $33,526,133Liabilities 2019: $28,471,142Net Assets 2019: $5,054,9912019Assets 2020: $39,219,890Liabilities 2020: $33,714,046Net Assets 2020: $5,505,8442020Assets 2021: $44,208,077Liabilities 2021: $38,889,061Net Assets 2021: $5,319,0162021Assets 2022: $43,137,692Liabilities 2022: $38,464,656Net Assets 2022: $4,673,0362022Assets 2023: $38,561,038Liabilities 2023: $32,965,886Net Assets 2023: $5,595,1522023Assets 2024: $36,684,119Liabilities 2024: $30,483,236Net Assets 2024: $6,200,8832024

Highlighted filing

2010

Assets$32,230,947
Liabilities$29,241,927
Net Assets$2,989,020

Operations Trend

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,214,3432010Expenses 2011: $1,101,2372011Expenses 2012: $1,219,8742012Revenue 2013: $1,154,273Expenses 2013: $1,087,308Net Income 2013: $66,9652013Revenue 2014: $1,232,082Expenses 2014: $1,058,334Net Income 2014: $173,7482014Revenue 2015: $1,241,775Expenses 2015: $1,281,633Net Income 2015: -$39,8582015Revenue 2016: $1,318,855Expenses 2016: $995,524Net Income 2016: $323,3312016Revenue 2017: $1,291,741Expenses 2017: $1,234,471Net Income 2017: $57,2702017Revenue 2018: $1,363,698Expenses 2018: $841,591Net Income 2018: $522,1072018Revenue 2019: $1,413,744Expenses 2019: $1,038,323Net Income 2019: $375,4212019Revenue 2020: $1,347,100Expenses 2020: $1,087,626Net Income 2020: $259,4742020Revenue 2021: $1,224,914Expenses 2021: $1,103,464Net Income 2021: $121,4502021Revenue 2022: $1,424,838Expenses 2022: $1,145,514Net Income 2022: $279,3242022Revenue 2023: $1,936,310Expenses 2023: $1,237,635Net Income 2023: $698,6752023Revenue 2024: $1,633,579Expenses 2024: $1,287,027Net Income 2024: $346,5522024

Highlighted filing

2010

Revenue-
Expenses$1,214,343
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Jun 27, 2011
Return Version
2010v3.2
Gross Receipts
$1,336,127
Mission and Program Overview

Mission

Promotion of thrift and providing low cost credit for its members through mutual and nonprofit operations.

Filing and Contact Details

Filer

EIN
38-1987607
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IRS990ScheduleO/GeneralExplanation/Explanation0RENTAL OF DETOUR BUILDING
IRS990ScheduleO/GeneralExplanation/Explanation1FORM 990 IS REVIEWED BY MANAGEMENT AND A COPY IS PROVIDED TO PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation2FORM 990 PART VI SECTION B LINE 15A) REVIEWED QUARTERLY BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation3FINANCIALS ARE POSTED ON THE BULLETIN BOARD AND AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Identifier0ALL OTHER ACHIEVEMENTS DESCRIPTION
IRS990ScheduleO/GeneralExplanation/Identifier1ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier2COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier3GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 19
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0MI
IRS990/SubjectToProxyTax0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.7$30.5$6.20$1.63$1.29$0.35
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.6$33.0$5.60$1.94$1.24$0.70
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.1$38.5$4.67$1.42$1.15$0.28
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$44.2$38.9$5.32$1.22$1.10$0.12
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$39.2$33.7$5.51$1.35$1.09$0.26
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.5$28.5$5.05$1.41$1.04$0.38
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.8$28.5$4.31$1.36$0.84$0.52
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.8$28.9$3.86$1.29$1.23$0.06
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.9$28.0$3.88$1.32$1.00$0.32
2015Detailed filing. Detailed filing data is available for this year.$31.6$28.1$3.52$1.24$1.28$0.04
2014Detailed filing. Detailed filing data is available for this year.$32.9$29.3$3.59$1.23$1.06$0.17
2013Detailed filing. Detailed filing data is available for this year.$31.4$28.0$3.41$1.15$1.09$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.8$26.4$3.35$1.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.2$27.0$3.22$1.10
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.2$29.2$2.99$1.21