Civic Intelligence

Guardian Credit Union

990 • Fiscal year 2012 • EIN 39-0334442

Jan 01, 2012 to Dec 31, 2012 • Filed on Sep 05, 2013

Organization ProfileWWW.GUARDIANCU.ORG

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4501 West Greenfield Avenue53214
Siviq Scores

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Balance Sheet

Assets

Flat

$225,444,215

Flat from 2012

Net Assets

Flat

$15,894,392

Flat from 2012

Liabilities

Flat

$209,549,823

Flat from 2012

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$15,166,442

Flat from 2012

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.

$300M$200M$100M$0Assets 2010: $227,274,206Liabilities 2010: $212,358,752Net Assets 2010: $14,915,4542010Assets 2011: $232,742,105Liabilities 2011: $217,508,520Net Assets 2011: $15,233,5852011Assets 2012: $225,444,215Liabilities 2012: $209,549,823Net Assets 2012: $15,894,3922012Assets 2012: $225,444,215Liabilities 2012: $209,549,823Net Assets 2012: $15,894,3922012Assets 2013: $230,958,646Liabilities 2013: $214,300,502Net Assets 2013: $16,658,1442013Assets 2014: $236,869,206Liabilities 2014: $219,888,571Net Assets 2014: $16,980,6352014Assets 2015: $212,166,149Liabilities 2015: $199,317,384Net Assets 2015: $12,848,7652015Assets 2017: $220,969,713Liabilities 2017: $209,367,101Net Assets 2017: $11,602,6122017Assets 2018: $218,385,051Liabilities 2018: $205,827,561Net Assets 2018: $12,557,4902018Assets 2019: $220,222,269Liabilities 2019: $206,536,353Net Assets 2019: $13,685,9162019Assets 2020: $258,616,027Liabilities 2020: $243,210,438Net Assets 2020: $15,405,5892020Assets 2021: $291,729,738Liabilities 2021: $274,897,983Net Assets 2021: $16,831,7552021Assets 2022: $299,131,621Liabilities 2022: $280,635,110Net Assets 2022: $18,496,5112022Assets 2024: $284,248,790Liabilities 2024: $262,042,199Net Assets 2024: $22,206,5912024

Highlighted filing

2012

Assets$225,444,215
Liabilities$209,549,823
Net Assets$15,894,392
Open 2012 Filing

Operations Trend

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

$20M$10M$0-$10MExpenses 2010: $18,797,5632010Revenue 2011: $14,781,534Expenses 2011: $14,463,403Net Income 2011: $318,1312011Expenses 2012: $15,166,4422012Revenue 2012: $15,827,249Expenses 2012: $15,166,442Net Income 2012: $660,8072012Revenue 2013: $14,724,330Expenses 2013: $13,960,578Net Income 2013: $763,7522013Revenue 2014: $12,620,114Expenses 2014: $12,297,623Net Income 2014: $322,4912014Revenue 2015: $11,233,892Expenses 2015: $15,365,760Net Income 2015: -$4,131,8682015Revenue 2017: $12,463,293Expenses 2017: $14,110,914Net Income 2017: -$1,647,6212017Revenue 2018: $12,999,926Expenses 2018: $12,045,047Net Income 2018: $954,8792018Revenue 2019: $12,475,827Expenses 2019: $11,347,405Net Income 2019: $1,128,4222019Revenue 2020: $12,472,112Expenses 2020: $10,752,439Net Income 2020: $1,719,6732020Revenue 2021: $12,852,827Expenses 2021: $11,426,661Net Income 2021: $1,426,1662021Revenue 2022: $13,498,485Expenses 2022: $11,833,729Net Income 2022: $1,664,7562022Revenue 2024: $17,242,708Expenses 2024: $15,721,920Net Income 2024: $1,520,7882024

Highlighted filing

2012

Revenue-
Expenses$15,166,442
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Sep 5, 2013
Return Version
2012v2.1
Gross Receipts
$18,480,230
Mission and Program Overview

Mission

Guardian credit union is a not for profit member owned financial cooperative dedicated to being the member's primary financial institution by providing superior, comprehensive, courteous and prompt services.

Major Activities

Activity 2
We have over $110 million in consumer loans outstanding. In addition, we service over $310 million in 1st mortgage loans including $18 million in commercial real estate loans.
Activity 3
We have total deposits in excess of $179 million including regular savings, checking, certificates of deposit, ira's, health savings accounts, christmas club and youth savings accounts. 15,180 of our members have a checking account with us which is 45% of our total membership. Many of our checking account members use direct deposit and other electronic delivery channels such as internet banking and bill payment.
Filing and Contact Details

Filer

EIN
39-0334442
Raw XML AppendixShowing 400 of 427 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/Activity2/Description0WE HAVE OVER $110 MILLION IN CONSUMER LOANS OUTSTANDING. IN ADDITION, WE SERVICE OVER $310 MILLION IN 1ST MORTGAGE LOANS INCLUDING $18 MILLION IN COMMERCIAL REAL ESTATE LOANS.
IRS990/Activity3/Description0WE HAVE TOTAL DEPOSITS IN EXCESS OF $179 MILLION INCLUDING REGULAR SAVINGS, CHECKING, CERTIFICATES OF DEPOSIT, IRA'S, HEALTH SAVINGS ACCOUNTS, CHRISTMAS CLUB AND YOUTH SAVINGS ACCOUNTS. 15,180 OF OUR MEMBERS HAVE A CHECKING ACCOUNT WITH US WHICH IS 45% OF OUR TOTAL MEMBERSHIP. MANY OF OUR CHECKING ACCOUNT MEMBERS USE DIRECT DEPOSIT AND OTHER ELECTRONIC DELIVERY CHANNELS SUCH AS INTERNET BANKING AND BILL PAYMENT.
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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION SERVICES FIRST MORTGAGE LOANS SOLD. CUSTODIAL ESCROW BALANCES ARE MAINTAINED IN CONNECTION WITH THESE LOANS.
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0PART IV, LINE 2B:
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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION HAS MEMBERS WHO ARE OWNERS OF THE CREDIT UNION AND ANNUALLY ELECT MEMBERS OF THE GOVERNING BODY. ALL MEMBERS HAVE THE SAME VOTING RIGHTS.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS VOTE ANNUALLY TO ELECT THE GOVERNING BODY.
IRS990ScheduleO/GeneralExplanation/Explanation2DECISIONS OF THE GOVERNING BODY SUBJECT TO APPROVAL BY MEMBERS INCLUDE MERGER OR NAME CHANGE.
IRS990ScheduleO/GeneralExplanation/Explanation3THE FORM 990 IS ADDED TO THE MONTHLY BOARD MEETING AGENDA AND REVIEWED BY THE BOARD OF DIRECTORS PRIOR TO FILING.
IRS990ScheduleO/GeneralExplanation/Explanation4THE CREDIT UNION HAS EMPLOYEES SIGN A CONFLICT OF INTEREST STATEMENT ON AN ANNUAL BASIS. IF A CONFLICT OF INTEREST WERE TO BE DISCOVERED DURING THE COURSE OF THE YEAR, IT WOULD BE REPORTED BY OUR VP OF AUDIT AND COMPLIANCE TO THE AUDIT COMMITTEE OF GUARDIAN CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation5THE PROCESS FOR DETERMINING COMPENSATION FOR TOP MANAGEMENT OFFICIALS, OFFICERS, AND KEY EMPLOYESS IS BASED ON MARKET REVIEWS FOR CREDIT UNIONS IN OUR REGION AND BASED ON ASSET SIZE. THIS PROCESS WAS LAST COMPLETED IN 2012.
IRS990ScheduleO/GeneralExplanation/Explanation6FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation7AS ALLOWED BY STATE REGULATORY AUTHORITIES, THE AUDIT IS DONE AS OF JUNE 30. THE REPORTING PERIOD FOR THE AUDIT, THEREFORE, DOES NOT MATCH THE REPORTING PERIOD FOR THE 990.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART XII, LINE 2B:
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0WI
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine104501 WEST GREENFIELD AVENUE
IRS990/TheBooksAreInCareOf/AddressUS/City0WEST MILWAUKEE
IRS990/TheBooksAreInCareOf/AddressUS/State0WI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode053214
IRS990/TheBooksAreInCareOf/NamePerson0KEVIN NITKA
IRS990/TheBooksAreInCareOf/TelephoneNumber04145467450
IRS990/TotalAssets/BOY0232742105
IRS990/TotalAssetsBOY0232742105
IRS990/TotalAssets/EOY0225444215
IRS990/TotalAssetsEOY0225444215
IRS990/TotalCompGT150K01
IRS990/TotalExpensesCurrentYear015166442
IRS990/TotalExpensesPriorYear014463403
IRS990/TotalFunctionalExpenses/Total015166442
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI044606
IRS990/TotalLiabilities/BOY0217508520
IRS990/TotalLiabilitiesBOY0217508520
IRS990/TotalLiabilities/EOY0209549823
IRS990/TotalLiabilitiesEOY0209549823
IRS990/TotalLiabNetAssetsFundBalances/BOY0232742105
IRS990/TotalLiabNetAssetsFundBalances/EOY0225444215
IRS990/TotalNbrEmployees0145
IRS990/TotalNbrVolunteers07
IRS990/TotalNetAssetsFundBalances/BOY015233585
IRS990/TotalNetAssetsFundBalances/EOY015894392
IRS990/TotalOtherCompensation041975
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceRevenue015852732
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0387165
IRS990/TotalRevenueCurrentYear015827249
IRS990/TotalRevenue/ExclusionAmount0-25483
IRS990/TotalRevenuePriorYear014781534
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome015808126
IRS990/TotalRevenue/TotalRevenueColumn015827249
IRS990/TotalRevenue/UnrelatedBusinessRevenue044606
IRS990/Travel/Total065478
IRS990/TypeOfOrganizationOther0X
IRS990/TypeOfOrgOtherDescription0CU
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0WWW.GUARDIANCU.ORG
IRS990/WhistleblowerPolicy01
IRS990/YearFormation01934

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$225,444,215
Liabilities
$209,549,823
Net assets
$15,894,392
Revenue
-
Expenses
$15,166,442
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$284$262$22.2$17.2$15.7$1.52
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$299$281$18.5$13.5$11.8$1.66
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$292$275$16.8$12.9$11.4$1.43
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$259$243$15.4$12.5$10.8$1.72
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$220$207$13.7$12.5$11.3$1.13
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$218$206$12.6$13.0$12.0$0.95
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$221$209$11.6$12.5$14.1$1.65
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$212$199$12.8$11.2$15.4$4.13
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$237$220$17.0$12.6$12.3$0.32
2013Detailed filing. Detailed filing data is available for this year.$231$214$16.7$14.7$14.0$0.76
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$225$210$15.9$15.2
2012Summary only. Only limited summary data is available for this year.$225$210$15.9$15.8$15.2$0.66
2011Summary only. Only limited summary data is available for this year.$233$218$15.2$14.8$14.5$0.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$227$212$14.9$18.8