Civic Intelligence

Eaton County Educational Credit Union

EIN 38-6065295

180 High Street PO Box 4048813
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

93rd percentile

0.91x

Higher debt load relative to assets than 93% of similar nonprofits.

$25M-$50M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

No filing with officer or executive compensation is available for this organization yet.

Asset Growth

40th percentile

2.2%

Faster asset growth than 40% of similar nonprofits.

$25M-$50M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

Up

$32,598,471

Up $710,658 (+2.2%) from 2011

Liabilities

Up

$29,629,943

Up $1,039,067 (+3.6%) from 2011

Net Assets

Down

$2,968,528

Down $328,409 (-10.0%) from 2011

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,429,964

Down $16,115 (-1.1%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$40M$30M$20M$10M$0Assets 2010: $31,134,570Liabilities 2010: $27,669,854Net Assets 2010: $3,464,7162010Assets 2011: $31,887,813Liabilities 2011: $28,590,876Net Assets 2011: $3,296,9372011Assets 2012: $32,598,471Liabilities 2012: $29,629,943Net Assets 2012: $2,968,5282012

Highlighted filing

2012

Assets$32,598,471
Liabilities$29,629,943
Net Assets$2,968,528

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $1,586,1362010Expenses 2011: $1,446,0792011Expenses 2012: $1,429,9642012

Highlighted filing

2012

Revenue-
Expenses$1,429,964
Net Income-

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Feb 19, 2013
Return Version
2012v2.0
Gross Receipts
$1,101,555
Mission and Program Overview

Major Activities

Activity 2
The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12-31-12 was 1,230.
Filing and Contact Details

Filer

EIN
38-6065295
Raw XML AppendixShowing 400 of 403 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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IRS990ScheduleO/GeneralExplanation/Explanation0Credit union 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/GeneralExplanation/Explanation1Executive and employee salaries are Board approved. Board of Directors are not compensated.
IRS990ScheduleO/GeneralExplanation/Explanation2Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.
IRS990ScheduleO/GeneralExplanation/Explanation3Management reviews tax returns and forwards form 8879 EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/GeneralExplanation/Explanation4Mergers are voted on by the entire membership.
IRS990ScheduleO/GeneralExplanation/Explanation5Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation6Section 501c(14) Credit Union is composed of members.
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ReturnHeader/Filer/USAddress/ZIPCode048813
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02013-02-19
ReturnHeader/Officer/Name0Kenneth P Huber
ReturnHeader/Officer/Title0Manager/Sec/Treas
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine103615 NEWBURG ROAD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0LOUISVILLE
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0KY
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode040218
ReturnHeader/Preparer/Name0Robin Rivers
ReturnHeader/Preparer/Phone05105274065
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01

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