Civic Intelligence

Forward Financial Credit Union

990 • Fiscal year 2012 • EIN 39-0812058

Jan 01, 2012 to Dec 31, 2012

Organization ProfileWWW.FORWARDFCU.COM
Niagara, WI
Siviq Scores

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

Liabilities / Assets

46th percentile

0.89x

Higher debt load relative to assets than 46% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2012

Liabilities / Revenue

95th percentile

14.44x

Higher debt load relative to revenue than 95% of similar nonprofits.

2012 filings • $50M-$100M nonprofits • Source year 2012

Net Margin

48th percentile

3.3%

Higher net margin than 48% of similar nonprofits.

2012 filings • $50M-$100M nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

23rd percentile

1.8%

Faster asset growth than 23% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2011 to 2012

Revenue Growth

58th percentile

6.4%

Faster revenue growth than 58% of similar nonprofits.

2012 filings • $50M-$100M nonprofits • Annualized from 2011 to 2012

Balance Sheet
Liabilities / Assets46th percentile

Assets

Up

$71,406,926

Up $1,287,980 (+1.8%) from 2011

Net Assets

Up

$7,855,822

Up $163,459 (+2.1%) from 2011

Liabilities

Up

$63,551,104

Up $1,124,521 (+1.8%) from 2011

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin48th percentile

Revenue

Up

$4,402,231

Up $263,075 (+6.4%) from 2011

Expenses

Up

$4,256,130

Up $304,749 (+7.7%) from 2011

Net Income

Down

$146,101

Down $41,674 (-22%) from 2011

Historical Trend

Balance Sheet Trend

Asset Growth23rd percentile

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

$100M$50M$0Assets 2010: $68,796,005Liabilities 2010: $61,287,994Net Assets 2010: $7,508,0112010Assets 2011: $70,118,946Liabilities 2011: $62,426,583Net Assets 2011: $7,692,3632011Assets 2012: $71,406,926Liabilities 2012: $63,551,104Net Assets 2012: $7,855,8222012Assets 2013: $67,758,491Liabilities 2013: $59,748,988Net Assets 2013: $8,009,5032013Assets 2014: $67,523,435Liabilities 2014: $59,413,232Net Assets 2014: $8,110,2032014Assets 2015: $69,365,086Liabilities 2015: $61,082,484Net Assets 2015: $8,282,6022015Assets 2016: $72,720,249Liabilities 2016: $64,313,538Net Assets 2016: $8,406,7112016Assets 2017: $71,416,726Liabilities 2017: $62,888,741Net Assets 2017: $8,527,9852017Assets 2018: $71,691,933Liabilities 2018: $62,957,597Net Assets 2018: $8,734,3362018Assets 2019: $74,579,111Liabilities 2019: $65,550,523Net Assets 2019: $9,028,5882019Assets 2020: $84,858,024Liabilities 2020: $75,609,799Net Assets 2020: $9,248,2252020Assets 2021: $94,902,854Liabilities 2021: $85,671,787Net Assets 2021: $9,231,0672021Assets 2022: $95,158,001Liabilities 2022: $87,394,287Net Assets 2022: $7,763,7142022Assets 2023: $90,203,429Liabilities 2023: $81,222,343Net Assets 2023: $8,981,0862023Assets 2024: $85,956,187Liabilities 2024: $75,935,847Net Assets 2024: $10,020,3402024

Highlighted filing

2012

Assets$71,406,926
Liabilities$63,551,104
Net Assets$7,855,822
Open 2012 Filing

Operations Trend

Revenue Growth58th percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $4,052,1312010Revenue 2011: $4,139,156Expenses 2011: $3,951,381Net Income 2011: $187,7752011Revenue 2012: $4,402,231Expenses 2012: $4,256,130Net Income 2012: $146,1012012Revenue 2013: $4,175,901Expenses 2013: $4,022,220Net Income 2013: $153,6812013Revenue 2014: $3,900,165Expenses 2014: $3,799,465Net Income 2014: $100,7002014Revenue 2015: $3,616,978Expenses 2015: $3,444,577Net Income 2015: $172,4012015Revenue 2016: $3,601,895Expenses 2016: $3,477,783Net Income 2016: $124,1122016Revenue 2017: $3,750,225Expenses 2017: $3,628,950Net Income 2017: $121,2752017Revenue 2018: $4,042,835Expenses 2018: $3,836,481Net Income 2018: $206,3542018Revenue 2019: $4,203,192Expenses 2019: $3,908,943Net Income 2019: $294,2492019Revenue 2020: $3,839,327Expenses 2020: $3,629,908Net Income 2020: $209,4192020Revenue 2021: $3,652,307Expenses 2021: $3,509,811Net Income 2021: $142,4962021Revenue 2022: $3,922,545Expenses 2022: $3,767,225Net Income 2022: $155,3202022Revenue 2023: $4,553,493Expenses 2023: $3,915,324Net Income 2023: $638,1692023Revenue 2024: $4,770,618Expenses 2024: $4,075,166Net Income 2024: $695,4522024

Highlighted filing

2012

Revenue$4,402,231
Expenses$4,256,130
Net Income$146,101
Open 2012 Filing
Filing Detail Status

This 2012 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

View Latest Detailed Filing (2024)
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Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Mission and Program Overview

Mission

Forward financial credit union, as a member owned and directed community financial institution, is dedicated to serving the present and future financial needs of our members, including low-income and underserved populations through cost effective financial services consistent with co-operative principles, applicable legislation and sound management.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$71,406,926
Liabilities
$63,551,104
Net assets
$7,855,822
Revenue
$4,402,231
Expenses
$4,256,130
Net income
$146,101
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$86.0$75.9$10.0$4.77$4.08$0.70
2023Detailed filing. Detailed filing data is available for this year.$90.2$81.2$8.98$4.55$3.92$0.64
2022Detailed filing. Detailed filing data is available for this year.$95.2$87.4$7.76$3.92$3.77$0.16
2021Detailed filing. Detailed filing data is available for this year.$94.9$85.7$9.23$3.65$3.51$0.14
2020Detailed filing. Detailed filing data is available for this year.$84.9$75.6$9.25$3.84$3.63$0.21
2019Detailed filing. Detailed filing data is available for this year.$74.6$65.6$9.03$4.20$3.91$0.29
2018Detailed filing. Detailed filing data is available for this year.$71.7$63.0$8.73$4.04$3.84$0.21
2017Detailed filing. Detailed filing data is available for this year.$71.4$62.9$8.53$3.75$3.63$0.12
2016Detailed filing. Detailed filing data is available for this year.$72.7$64.3$8.41$3.60$3.48$0.12
2015Detailed filing. Detailed filing data is available for this year.$69.4$61.1$8.28$3.62$3.44$0.17
2014Detailed filing. Detailed filing data is available for this year.$67.5$59.4$8.11$3.90$3.80$0.10
2013Detailed filing. Detailed filing data is available for this year.$67.8$59.7$8.01$4.18$4.02$0.15
2012Summary only. Only limited summary data is available for this year.$71.4$63.6$7.86$4.40$4.26$0.15
2011Summary only. Only limited summary data is available for this year.$70.1$62.4$7.69$4.14$3.95$0.19
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.8$61.3$7.51$4.05