Civic Intelligence

Valley Communities Credit Union

990 • Fiscal year 2011 • EIN 39-0744482

Jan 01, 2011 to Dec 31, 2011 • Filed on Aug 10, 2012

Organization Profilewww.valleycommunities.org

View Organization Page

1105 Western Ave54455
Siviq Scores

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

Liabilities / Assets

11th percentile

0.84x

Higher debt load relative to assets than 11% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

65th percentile

6.1%

Faster asset growth than 65% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$110,312,822

Up $6,375,897 (+6.1%) from 2010

Net Assets

Up

$17,322,263

Up $458,855 (+2.7%) from 2010

Liabilities

Up

$92,990,559

Up $5,917,042 (+6.8%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$4,844,920

Down $566,621 (-10%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth65th percentile

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

$300M$200M$100M$0Assets 2010: $103,936,925Liabilities 2010: $87,073,517Net Assets 2010: $16,863,4082010Assets 2011: $110,312,822Liabilities 2011: $92,990,559Net Assets 2011: $17,322,2632011Assets 2012: $114,686,105Liabilities 2012: $96,700,210Net Assets 2012: $17,985,8952012Assets 2013: $121,625,405Liabilities 2013: $103,203,260Net Assets 2013: $18,422,1452013Assets 2014: $129,007,706Liabilities 2014: $110,095,988Net Assets 2014: $18,911,7182014Assets 2015: $136,658,184Liabilities 2015: $116,955,610Net Assets 2015: $19,702,5742015Assets 2016: $145,269,369Liabilities 2016: $124,473,251Net Assets 2016: $20,796,1182016Assets 2018: $164,300,420Liabilities 2018: $141,293,854Net Assets 2018: $23,006,5662018Assets 2019: $179,770,750Liabilities 2019: $155,222,243Net Assets 2019: $24,548,5072019Assets 2020: $205,282,266Liabilities 2020: $179,762,559Net Assets 2020: $25,519,7072020Assets 2021: $225,686,419Liabilities 2021: $199,467,720Net Assets 2021: $26,218,6992021Assets 2022: $234,151,522Liabilities 2022: $206,823,340Net Assets 2022: $27,328,1822022Assets 2024: $248,899,349Liabilities 2024: $217,393,803Net Assets 2024: $31,505,5462024

Highlighted filing

2011

Assets$110,312,822
Liabilities$92,990,559
Net Assets$17,322,263
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0Expenses 2010: $5,411,5412010Expenses 2011: $4,844,9202011Expenses 2012: $4,516,4332012Revenue 2013: $5,099,604Expenses 2013: $4,660,549Net Income 2013: $439,0552013Revenue 2014: $5,244,614Expenses 2014: $4,754,629Net Income 2014: $489,9852014Revenue 2015: $5,543,691Expenses 2015: $4,750,292Net Income 2015: $793,3992015Revenue 2016: $6,026,103Expenses 2016: $4,931,215Net Income 2016: $1,094,8882016Revenue 2018: $7,371,811Expenses 2018: $6,194,505Net Income 2018: $1,177,3062018Revenue 2019: $8,205,600Expenses 2019: $6,658,367Net Income 2019: $1,547,2332019Revenue 2020: $7,619,348Expenses 2020: $6,651,964Net Income 2020: $967,3842020Revenue 2021: $7,045,989Expenses 2021: $6,346,948Net Income 2021: $699,0412021Revenue 2022: $8,456,168Expenses 2022: $7,346,398Net Income 2022: $1,109,7702022Revenue 2024: $13,676,935Expenses 2024: $11,331,272Net Income 2024: $2,345,6632024

Highlighted filing

2011

Revenue-
Expenses$4,844,920
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Aug 10, 2012
Return Version
2011v1.2
Gross Receipts
$5,500,534
Mission and Program Overview

Mission

Our mission is to build lifelong relationships one member at a time; providing sound financial products and services.

Major Activities

Activity 2
We funded 3580 loans during 2011 As of 12312011 we had 972 mortgageshome equity lines 6851 consumer loans and 11 member business loans
Filing and Contact Details

Filer

EIN
39-0744482
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IRS990ScheduleO/GeneralExplanation/Explanation0David Bittner & Harold Matis are brother-in-laws
IRS990ScheduleO/GeneralExplanation/Explanation1The organization consists of members To be a member one must have a sharesavings account Each member has one vote to elect the governing body Board of Directors
IRS990ScheduleO/GeneralExplanation/Explanation2The Board of Directors is elected by the membership utilizing their one vote per member
IRS990ScheduleO/GeneralExplanation/Explanation3Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organizations bylaws Any decision to dissolve or merge the organization requires approval of membership unless mandated by regulatory agency ie NCUA Wisconsin Office of Credit Unions
IRS990ScheduleO/GeneralExplanation/Explanation4The board of directors will have a completed copy of the 990 available to each for review
IRS990ScheduleO/GeneralExplanation/Explanation5The entire board meets and sets the compensation for the CEO
IRS990ScheduleO/GeneralExplanation/Explanation6Balance sheet is displayed in all offices as well as on the web site Release of additional records are covered in the VCCU Members Inspection of Credit Union Books Records and Minutes Policy
IRS990ScheduleO/GeneralExplanation/Explanation7Net Unrealized GainsLosses on Investments classified as Available for Sale
IRS990ScheduleO/GeneralExplanation/Identifier001. Officer, directors, etc. family relationship (Part VI, line 2)
IRS990ScheduleO/GeneralExplanation/Identifier102. Members or stockholder classes and rights (Part VI, line 6)
IRS990ScheduleO/GeneralExplanation/Identifier203. Member election for additional members (Part VI, line 7a)
IRS990ScheduleO/GeneralExplanation/Identifier304. Governing body decisions (Part VI, line 7b)
IRS990ScheduleO/GeneralExplanation/Identifier405. Form 990 governing body review (Part VI, line 11)
IRS990ScheduleO/GeneralExplanation/Identifier506. CEO, executive director, top management comp (Part VI, line 15a)
IRS990ScheduleO/GeneralExplanation/Identifier607. Governing documents, etc, available to public (Part VI, line 19)
IRS990ScheduleO/GeneralExplanation/Identifier708. Explanation of other changes in net assets or fund balances (Part XI, line 5)
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IRS990/TotalFunctionalExpenses/Total04844920
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI013814
IRS990/TotalLiabilities/BOY087073517
IRS990/TotalLiabilitiesBOY087073517
IRS990/TotalLiabilities/EOY092990559
IRS990/TotalLiabilitiesEOY092990559
IRS990/TotalLiabNetAssetsFundBalances/BOY0103936925
IRS990/TotalLiabNetAssetsFundBalances/EOY0110312822
IRS990/TotalNbrEmployees055
IRS990/TotalNetAssetsFundBalances/BOY016863408
IRS990/TotalNetAssetsFundBalances/EOY017322263
IRS990/TotalOtherCompensation093513
IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome013148
IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn013148
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue05139902
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0455436
IRS990/TotalRevenueCurrentYear05303868
IRS990/TotalRevenue/ExclusionAmount0163966
IRS990/TotalRevenuePriorYear05572402
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome05126088

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$110,312,822
Liabilities
$92,990,559
Net assets
$17,322,263
Revenue
-
Expenses
$4,844,920
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$249$217$31.5$13.7$11.3$2.35
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.$234$207$27.3$8.46$7.35$1.11
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$226$199$26.2$7.05$6.35$0.70
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$205$180$25.5$7.62$6.65$0.97
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$180$155$24.5$8.21$6.66$1.55
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$164$141$23.0$7.37$6.19$1.18
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$145$124$20.8$6.03$4.93$1.09
2015Detailed filing. Detailed filing data is available for this year.$137$117$19.7$5.54$4.75$0.79
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$129$110$18.9$5.24$4.75$0.49
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$122$103$18.4$5.10$4.66$0.44
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$115$96.7$18.0$4.52
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$110$93.0$17.3$4.84
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$104$87.1$16.9$5.41