Civic Intelligence

Marine Credit Union

990 • Fiscal year 2012 • EIN 39-0827305

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 14, 2013

Organization ProfileWWW.MARINECU.COM

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811 Monitor Street54601
Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$414,584,266

Flat from 2012

Net Assets

Flat

$39,011,121

Flat from 2012

Liabilities

Flat

$375,573,145

Flat from 2012

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$31,171,000

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.

$1.5B$1.0B$500M$0Assets 2010: $414,191,029Liabilities 2010: $383,952,448Net Assets 2010: $30,238,5812010Assets 2011: $425,964,974Liabilities 2011: $391,948,100Net Assets 2011: $34,016,8742011Assets 2012: $414,584,266Liabilities 2012: $375,573,145Net Assets 2012: $39,011,1212012Assets 2012: $414,584,266Liabilities 2012: $375,573,145Net Assets 2012: $39,011,1212012Assets 2013: $474,385,492Liabilities 2013: $428,431,653Net Assets 2013: $45,953,8392013Assets 2015: $625,381,681Liabilities 2015: $559,418,609Net Assets 2015: $65,963,0722015Assets 2016: $689,785,890Liabilities 2016: $614,162,153Net Assets 2016: $75,623,7372016Assets 2017: $755,546,355Liabilities 2017: $674,225,520Net Assets 2017: $81,320,8352017Assets 2018: $753,825,875Liabilities 2018: $666,439,481Net Assets 2018: $87,386,3942018Assets 2019: $855,318,225Liabilities 2019: $763,608,637Net Assets 2019: $91,709,5882019Assets 2020: $961,535,112Liabilities 2020: $871,992,026Net Assets 2020: $89,543,0862020Assets 2021: $1,046,373,718Liabilities 2021: $946,075,135Net Assets 2021: $100,298,5832021Assets 2022: $1,034,078,280Liabilities 2022: $934,376,514Net Assets 2022: $99,701,7662022Assets 2024: $1,035,353,224Liabilities 2024: $918,543,900Net Assets 2024: $116,809,3242024

Highlighted filing

2012

Assets$414,584,266
Liabilities$375,573,145
Net Assets$39,011,121
Open 2012 Filing

Operations Trend

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

$100M$50M$0-$50MExpenses 2010: $41,559,6932010Expenses 2011: $32,074,1482011Expenses 2012: $31,171,0002012Revenue 2012: $35,989,610Expenses 2012: $31,171,000Net Income 2012: $4,818,6102012Revenue 2013: $38,365,464Expenses 2013: $33,318,343Net Income 2013: $5,047,1212013Revenue 2015: $48,014,382Expenses 2015: $38,588,989Net Income 2015: $9,425,3932015Revenue 2016: $55,932,177Expenses 2016: $46,239,375Net Income 2016: $9,692,8022016Revenue 2017: $61,529,812Expenses 2017: $55,809,548Net Income 2017: $5,720,2642017Revenue 2018: $63,762,630Expenses 2018: $59,467,830Net Income 2018: $4,294,8002018Revenue 2019: $67,606,086Expenses 2019: $61,004,190Net Income 2019: $6,601,8962019Revenue 2020: $71,099,257Expenses 2020: $73,189,234Net Income 2020: -$2,089,9772020Revenue 2021: $73,550,706Expenses 2021: $61,676,503Net Income 2021: $11,874,2032021Revenue 2022: $77,409,562Expenses 2022: $68,880,317Net Income 2022: $8,529,2452022Revenue 2024: $92,253,087Expenses 2024: $84,333,452Net Income 2024: $7,919,6352024

Highlighted filing

2012

Revenue-
Expenses$31,171,000
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 14, 2013
Return Version
2012v2.1
Gross Receipts
$35,989,610
Mission and Program Overview

Mission

We will serve more of the underserved with products, service, time and giving. We will increase the number and percentage of customers availing themselves of a variety of high quality services.

Major Activities

Activity 2
Consumer lending - marine credit union is a full service consumer lending institution. In 2012 we granted over 7044 consumer loans for a total of over $71 million. These loans are used by our borrowers to consolidate debt, purchase goods such as automobiles and recreational vehicles and to finance continuing education expenses. The total consumer loan portfolio is greater than $97 million.
Activity 3
Mortgage lending - marine credit union is an integral part of the communities we serve by providing over 667 loans totaling over $42 million. These loans are used by borrowers to purchase, refinance or improve their homes. Current mortgage loans outstanding exceed $167 million.
Filing and Contact Details

Filer

EIN
39-0827305
Raw XML AppendixShowing 400 of 768 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/Description0CONSUMER LENDING - MARINE CREDIT UNION IS A FULL SERVICE CONSUMER LENDING INSTITUTION. IN 2012 WE GRANTED OVER 7044 CONSUMER LOANS FOR A TOTAL OF OVER $71 MILLION. THESE LOANS ARE USED BY OUR BORROWERS TO CONSOLIDATE DEBT, PURCHASE GOODS SUCH AS AUTOMOBILES AND RECREATIONAL VEHICLES AND TO FINANCE CONTINUING EDUCATION EXPENSES. THE TOTAL CONSUMER LOAN PORTFOLIO IS GREATER THAN $97 MILLION.
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IRS990/Description0DEPOSIT TAKING - MARINE CREDIT UNION ACTS AS A FINANCIAL INTERMEDIARY IN EACH OF THE COMMUNITIES IT SERVES. EACH OF OUR 54,394 MEMBERS HAS AT LEAST ONE SAVINGS ACCOUNT AND THESE MEMBERS HAVE OVER 33,000 CHECKING ACCOUNTS WITH MARINE. WE OFTEN PROVIDE THESE SERVICES AT A LOWER COST THAN WHAT WOULD OTHERWISE BE AVAILABLE. WE PROTECT OVER $337 MILLION OF INSURED FUNDS ON BEHALF OF OUR DEPOSITORS.
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IRS990/ProgramServiceRevenue/TotalRevenueColumn020962547
IRS990/ProgramServiceRevenue/TotalRevenueColumn19409032
IRS990/ProgramServiceRevenue/TotalRevenueColumn23035358
IRS990/ProgramServiceRevenue/TotalRevenueColumn32063211
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue095470
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue1169842
IRS990/ProhibitedTaxShelterTrans00
IRS990/ReceivablesFromOfficersEtc/EOY03400000
IRS990/ReconcilationOtherChanges043390
IRS990/ReconcilationRevenueExpenses04818610
IRS990/ReconciliationUnrealizedInvest0132247
IRS990/RegularMonitoringEnforcement00
IRS990/RelatedEntity01
IRS990/RelatedOrgControlledEntity01
IRS990/ReportFin48Footnote01
IRS990/ReportInvestOthSecurities00
IRS990/ReportLandBldgEquip01
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities01
IRS990/ReportProgRelInvest00
IRS990/RetainedEarningsEndowmentEtc/BOY034016874
IRS990/RetainedEarningsEndowmentEtc/EOY039011121
IRS990/RevenuesLessExpensesCY04818610
IRS990/RevenuesLessExpensesPriorYear03873135
IRS990/SalariesEtcCurrentYear017204673
IRS990/SalariesEtcPriorYear013501991
IRS990/SavingsAndTempCashInvestments/BOY041422715
IRS990/SavingsAndTempCashInvestments/EOY06604202
IRS990/ScheduleBRequired00
IRS990ScheduleD/Buildings/BookValue011862509
IRS990ScheduleD/Buildings/Depreciation04651032
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis016513541
IRS990ScheduleD/Equipment/BookValue0935350
IRS990ScheduleD/Equipment/Depreciation08496944
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis09432294
IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION IS EXEMPT, UNDER IRC 501 (C) (14), FROM FEDERAL AND STATE INCOME TAXES. CERTAIN PRODUCTS AND SERVICES PROVIDED BY SELECT STATE CHARTERED CREDIT UNIONS HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS), IN TECHNICAL ADVICE MEMORANDUMS (TAMS) RELEASED IN 2007, TO BE UNRELATED TO THE SPECIFIC ENTITY'S EXEMPT PURPOSE. AS PRESENTED IN THE TECHNICAL ADVICE MEMORANDUMS THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES WOULD BE SUBJECT TO INCOME TAXES. CREDIT UNIONS HAVE LITIGATED AGAINST THE IRS POSITIONS NOTED IN THE TAMS AND HAVE BEEN SUCCESSFUL IN HAVING COURTS DECLARE IN 2009 AND 2010 THAT REVENUE FROM INSURANCE PRODUCTS SOLD TO MEMBERS, HELPING THEM PROTECT THEIR FINANCIAL WELLBEING, QUALIFIES AS EXEMPT PURPOSE INCOME, CONTRARY TO THE IRS POSITION IN THE TAMS. THE CREDIT UNION HAS FILED TAX RETURNS FOR CALENDAR YEARS 2011 AND 2010 FOR ACTIVITIES THEY HAVE DEEMED TAXABLE AND HAS A NET OPERATING LOSS CARRYFORWARD AS OF THE 2011 CALENDAR YEAR. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION ADOPTED THE INCOME TAX STANDARD FOR UNCERTAIN TAX POSITIONS. AS A RESULT, THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2012 AND 2011. THE CREDIT UNION'S 2009 AND SUBSEQUENT TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. THE INCOME FROM THE CUSO, ORGANIZED AS AN LLC, FLOWS THROUGH TO THE CREDIT UNION AND, THEREFORE, IS NOT SUBJECT TO FEDERAL AND STATE INCOME TAXES.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0PART X, LINE 2:
IRS990ScheduleD/Land/BookValue03005335
IRS990ScheduleD/Land/OtherCostOrOtherBasis03005335
IRS990ScheduleD/LeaseholdImprovements/BookValue00
IRS990ScheduleD/LeaseholdImprovements/Depreciation0273953
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis0273953
IRS990ScheduleD/OtherLandBuildings/BookValue042894
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis042894
IRS990ScheduleD/OtherLiabilities/Amount066992060
IRS990ScheduleD/OtherLiabilities/Amount185303690
IRS990ScheduleD/OtherLiabilities/Amount297379495
IRS990ScheduleD/OtherLiabilities/Amount322980817
IRS990ScheduleD/OtherLiabilities/Amount469086454
IRS990ScheduleD/OtherLiabilities/Description0SHARE DRAFTS
IRS990ScheduleD/OtherLiabilities/Description1REGULAR SHARES

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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
$414,584,266
Liabilities
$375,573,145
Net assets
$39,011,121
Revenue
-
Expenses
$31,171,000
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,035$919$117$92.3$84.3$7.92
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.$1,034$934$99.7$77.4$68.9$8.53
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,046$946$100$73.6$61.7$11.9
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$962$872$89.5$71.1$73.2$2.09
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$855$764$91.7$67.6$61.0$6.60
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$754$666$87.4$63.8$59.5$4.29
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$756$674$81.3$61.5$55.8$5.72
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$690$614$75.6$55.9$46.2$9.69
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$625$559$66.0$48.0$38.6$9.43
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$474$428$46.0$38.4$33.3$5.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$415$376$39.0$31.2
2012Summary only. Only limited summary data is available for this year.$415$376$39.0$36.0$31.2$4.82
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$426$392$34.0$32.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$414$384$30.2$41.6