Civic Intelligence

Valley Communities Credit Union

990 • Fiscal year 2012 • EIN 39-0744482

Jan 01, 2012 to Dec 31, 2012 • Filed on May 03, 2013

Organization ProfileVALLEYCOMMUNITIES.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

13th percentile

0.84x

Higher debt load relative to assets than 13% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

40th percentile

4.0%

Faster asset growth than 40% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets13th percentile

Assets

Up

$114,686,105

Up $4,373,283 (+4.0%) from 2011

Net Assets

Up

$17,985,895

Up $663,632 (+3.8%) from 2011

Liabilities

Up

$96,700,210

Up $3,709,651 (+4.0%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$4,516,433

Down $328,487 (-6.8%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth40th 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

2012

Assets$114,686,105
Liabilities$96,700,210
Net Assets$17,985,895
Open 2012 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

2012

Revenue-
Expenses$4,516,433
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 3, 2013
Return Version
2012v2.1
Gross Receipts
$5,179,587
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 3527 loans during 2012. As of 12/31/2012, we had 1002 mortgages/home equity lines, 7310 consumer loans, and 8 member business loans.
Filing and Contact Details

Filer

EIN
39-0744482
Raw XML AppendixShowing 400 of 419 raw XML fields

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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 share/savings 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 organization9s bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).
IRS990ScheduleO/GeneralExplanation/Explanation4The board of directors will have a completed copy of the 990 presented at a meeting prior to filing.
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?
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IRS990/TotalRevenue/UnrelatedBusinessRevenue013619
IRS990/TransactionRelatedEntity0false
IRS990/Travel/Total020821
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0true
IRS990/UponRequest0X
IRS990/WebSite0www.valleycommunities.org
IRS990/WhistleblowerPolicy0true
IRS990/YearFormation01935
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0390744482
ReturnHeader/Filer/Name/BusinessNameLine10Valley Communities Credit Union
ReturnHeader/Filer/NameControl0VALL
ReturnHeader/Filer/USAddress/AddressLine101105 Western Ave
ReturnHeader/Filer/USAddress/City0Mosinee
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054455

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
$114,686,105
Liabilities
$96,700,210
Net assets
$17,985,895
Revenue
-
Expenses
$4,516,433
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