Civic Intelligence

Community Credit Union

990 • Fiscal year 2011 • EIN 39-0837827

Jan 01, 2011 to Dec 31, 2011 • Filed on Nov 12, 2012

311 Main Street54601
Siviq Scores

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

Liabilities / Assets

55th percentile

0.90x

Higher debt load relative to assets than 55% 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

25th percentile

1.3%

Faster asset growth than 25% 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.

Assets

Up

$105,630,871

Up $1,400,313 (+1.3%) from 2010

Net Assets

Down

$10,428,708

Down $500,642 (-4.6%) from 2010

Liabilities

Up

$95,202,163

Up $1,900,955 (+2.0%) from 2010

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$6,903,738

Down $130,238 (-1.9%) from 2010

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.

$150M$100M$50M$0Assets 2010: $104,230,558Liabilities 2010: $93,301,208Net Assets 2010: $10,929,3502010Assets 2011: $105,630,871Liabilities 2011: $95,202,163Net Assets 2011: $10,428,7082011Assets 2012: $110,856,141Liabilities 2012: $100,162,028Net Assets 2012: $10,694,1132012Assets 2013: $113,616,814Liabilities 2013: $102,445,109Net Assets 2013: $11,171,7052013Assets 2014: $117,511,461Liabilities 2014: $105,142,020Net Assets 2014: $12,369,4412014Assets 2015: $0Liabilities 2015: $0Net Assets 2015: $02015

Highlighted filing

2011

Assets$105,630,871
Liabilities$95,202,163
Net Assets$10,428,708

Operations Trend

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $7,033,9762010Expenses 2011: $6,903,7382011Expenses 2012: $6,034,9532012Revenue 2013: $6,524,814Expenses 2013: $6,066,558Net Income 2013: $458,2562013Revenue 2014: $6,597,009Expenses 2014: $5,436,107Net Income 2014: $1,160,9022014Revenue 2015: $4,525,901Expenses 2015: $3,923,493Net Income 2015: $602,4082015

Highlighted filing

2011

Revenue-
Expenses$6,903,738
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Nov 12, 2012
Return Version
2011v1.2
Gross Receipts
$6,849,627
Mission and Program Overview

Mission

A credit union that provides financial services and puts members at the center of all decisions.

Filing and Contact Details

Filer

EIN
39-0837827
Raw XML AppendixShowing 400 of 423 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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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0WE ARE NOW REQUIRED TO HOLD ESCROWS FOR PROPERTY TAXES AND INSURANCE FOR LOANS THAT ARE CONSIDERED HIGH PRICED MORTGAGES UNDER THE HOME OWNERSHIP AND EQUITY PROTECTION ACT, REG Z.
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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, AS VACANCIES ARISE, OR OTHERWISE.
IRS990ScheduleO/GeneralExplanation/Explanation2MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
IRS990ScheduleO/GeneralExplanation/Explanation3THE PRESIDENT AND STRATEGIC TEAM WILL REVIEW FORM 990 PRIOR TO FILING.
IRS990ScheduleO/GeneralExplanation/Explanation4NEW EMPLOYEES ARE REQUIRED TO COMPLETE A CONFLICT OF INTEREST FORM WHEN THEY START AND ANNUALLY EACH EMPLOYEE UPDATES THEIRS WITH ANY CHANGES.
IRS990ScheduleO/GeneralExplanation/Explanation5HUMAN RESOURCES WILL CONDUCT A BI-ANNUAL REPORT FOR EACH POSITION IN THE CREDIT UNION, INCLUDING KEY EMPLOYEES. THREE DIFFERENT SALARY SURVEYS ARE COMPARED, INCLUDING CUNA, WCUL, AND A REGIONAL/LOCAL SURVEY AS WELL.
IRS990ScheduleO/GeneralExplanation/Explanation6WE HAND OUT A CONDENSED FINANCIAL STATEMENT TO OUR MEMBERS AT OUR ANNUAL MEETING AND ALSO POST THIS INFORMATION ON OUR WEBSITE. NCUA PROVIDES ONLINE ACCESS TO CU CALL REPORTS.
IRS990ScheduleO/GeneralExplanation/Explanation7NET UNREALIZED LOSSES ON INVESTMENTS: -7,694.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
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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
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IRS990/TypeOfOrgOtherDescription0STATE CHARTERED CREDIT UNION
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IRS990/YearFormation01931
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0390837827
ReturnHeader/Filer/Name/BusinessNameLine10COMMUNITY CREDIT UNION
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Filings

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2011 filings • 501(c)14 • $100M-$250M nonprofits