Civic Intelligence

Aurora Credit Union

990 • Fiscal year 2011 • EIN 39-0930190

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

Organization Profilewww.auroracreditunion.org
3355 W Forest Home Ave53215
Siviq Scores

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

Liabilities / Assets

83rd percentile

0.91x

Higher debt load relative to assets than 83% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M 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

50th percentile

3.6%

Faster asset growth than 50% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M 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 / Assets83rd percentile

Assets

Up

$39,610,592

Up $1,392,411 (+3.6%) from 2010

Net Assets

Up

$3,416,009

Up $352,119 (+11%) from 2010

Liabilities

Up

$36,194,583

Up $1,040,292 (+3.0%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,729,770

Down $32,781 (-1.9%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth50th percentile

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

$60M$40M$20M$0Assets 2010: $38,218,181Liabilities 2010: $35,154,291Net Assets 2010: $3,063,8902010Assets 2011: $39,610,592Liabilities 2011: $36,194,583Net Assets 2011: $3,416,0092011Assets 2012: $40,600,575Liabilities 2012: $36,762,302Net Assets 2012: $3,838,2732012Assets 2013: $45,582,267Liabilities 2013: $41,342,143Net Assets 2013: $4,240,1242013Assets 2014: $45,719,858Liabilities 2014: $40,835,479Net Assets 2014: $4,884,3792014Assets 2016: $51,825,025Liabilities 2016: $45,594,996Net Assets 2016: $6,230,0292016Assets 2017: $54,279,568Liabilities 2017: $47,307,811Net Assets 2017: $6,971,7572017

Highlighted filing

2011

Assets$39,610,592
Liabilities$36,194,583
Net Assets$3,416,009
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0Expenses 2010: $1,762,5512010Expenses 2011: $1,729,7702011Expenses 2012: $1,775,4102012Revenue 2013: $2,261,255Expenses 2013: $1,859,404Net Income 2013: $401,8512013Revenue 2014: $2,409,868Expenses 2014: $1,765,613Net Income 2014: $644,2552014Revenue 2016: $2,545,137Expenses 2016: $1,855,988Net Income 2016: $689,1492016Revenue 2017: $2,664,897Expenses 2017: $1,928,012Net Income 2017: $736,8852017

Highlighted filing

2011

Revenue-
Expenses$1,729,770
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
$2,102,889
Mission and Program Overview

Mission

State Chartered Credit Union - Please see Schedule O Statement 8 for detailed Mission Statement/Exempt Purpose

Major Activities

Activity 2
We funded 337 loans during 2011 As of 123111 we had 69 mortgageshome equity lines 194 consumer loans and 74 credit card accounts with our members Aurora Credit Union granted 337 loans totaling 9162452 in 2011 This included 69 mortgage s totaling 7829040 Its staff individually reviews and underwrites each loan according to Aurora Credit Unions Board-approved policies We hold and service all of our loans including our mortgages
Activity 3
We provide low-cost high value financial products to members including Regular Checking with no minimum balance no monthly service charge and unlimited checking writing privileges Aurora Credit Union also offers tiered balance checking with compe titive dividend rates The Credit Union offers low-cost ATM access with free ATM deposits free point-of-sale and free VISA Checkcard transactions A principal objective is increasing the financial and educational resources available to members to e nable them to make informed financial decisions We reach out to the membership through multiple delivery channels personal one-to-one consultation electronic services inclusing interactive web-based third party products for purchasing autos and homes All members receive identity theft recovery services at no charge
Filing and Contact Details

Filer

EIN
39-0930190
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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/Description0We funded 337 loans during 2011 As of 123111 we had 69 mortgageshome equity lines 194 consumer loans and 74 credit card accounts with our members Aurora Credit Union granted 337 loans totaling 9162452 in 2011 This included 69 mortgage s totaling 7829040 Its staff individually reviews and underwrites each loan according to Aurora Credit Unions Board-approved policies We hold and service all of our loans including our mortgages
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IRS990ScheduleO/GeneralExplanation/Explanation0The 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/Explanation1The Board of Directors is elected by the membership utilizing their one vote per member
IRS990ScheduleO/GeneralExplanation/Explanation2Each 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/Explanation3The Credit Union President completes the Form 990 worksheet and attests to its accuracy The Form 990 preparation worksheet is simultaneously submitted to Aurora Credit Unions Asset Liability Management Committee ALCO and the WI Credit Union League for review and filing The President submits a copy of the Leagues draft to Aurora Credit Unions full Board of Directors for review The Credit Union President reviews the Leagues drafts for accuracy and simultaneously submits any proposed changes andor clarifications to the League and the Board of Directors After the Credit Unions President receives confirmation that the 990 Form has been approvedaccepted by the IRS the filed 990 is distributed with the monthly Board of Director reports and recorded in the permanent Credit Union Board minutes
IRS990ScheduleO/GeneralExplanation/Explanation4The CU maintains a copy of this policy that is described in detail in the Code of Conduct Policy for its credit union officialsincluding any modifications thereofAurora CU requires an initial acknowledgement of this code of conduct and requires a written acknowledgement of any subsequent material changes and the officials agreement to comply therewithit retains written reports of any disclosures made by credit union officials in connection with this code of conductThe CU specifically requires a written acknowledgement signed by the BOD and its PresidentThe BOD reviews this policy as part of its regular policy reviewThe written acknowledgements of all credit union officials is made available in conj with the policy manual for regulatory examinations and independent external audit
IRS990ScheduleO/GeneralExplanation/Explanation5The Board of Directors deliberates and makes a decision regarding the Presidents salary after reviewing the Presidents prior years goals and percentage achievement of these goals Goals are quantifiable and include financial benchmarks for the Credit Union Comparability data includes various salary surveys that result in competitive salary ranges for all positions including the PresidentCEO
IRS990ScheduleO/GeneralExplanation/Explanation6At The Annual Meeting the prior years financial statements are distributed to the members and the Chairman of the Board of Directors or the Treasurer presents the Treasurers Report The President also elaborates on the Credit Unions financial statements The Chairman notes that the Credit Unions prior years independent audit report performed by an external CPA firm is available for viewing upon request at the Credit Union - members should speak to the President to establish an appointment The 990 form is also available for viewing upon request - requests are directed to the President Mary Gold A copy of the Conflict of Interest Policy may also be viewed by members upon request
IRS990ScheduleO/GeneralExplanation/Explanation7Established a New Graduate Auto Loan Program to assist high school and college graduates in purchasing used vehicles even 2006 and older model years for terms up to 48 months at low rates with 90 financing
IRS990ScheduleO/GeneralExplanation/Explanation8Recognized significant cost savings by transferring all of the Credit Unions correspondent services such as checking electronic funds transfers cash letter wire services etc to the Federal Reserve Bank
IRS990ScheduleO/GeneralExplanation/Explanation9The other change in net assets of 21000 is due to a prior period adjustment
IRS990ScheduleO/GeneralExplanation/Explanation10EXEMPT PURPOSE MISSION STATEMENT - Aurora Credit Union is a cooperative non-profit corporation incorporated under Wisconsin State Law to encourage thrift among its members create a source of credit at a fair and reasonable cost and provide an opportunity for its members to improve their economic and social conditions through low cost financial services and education
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IRS990ScheduleO/GeneralExplanation/Identifier102. Member election for additional members (Part VI, line 7a)
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IRS990ScheduleO/GeneralExplanation/Identifier304. Form 990 governing body review (Part VI, line 11)
IRS990ScheduleO/GeneralExplanation/Identifier405. Conflict of interest policy compliance (Part VI, line 12c)
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. Significant program services not listed on prior year return (Part III, line 2)
IRS990ScheduleO/GeneralExplanation/Identifier809. Cessation of, or significant change to, any program service (Part III, line 3)
IRS990ScheduleO/GeneralExplanation/Identifier910. Explanation of other changes in net assets or fund balances (Part XI, line 5)
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ReturnHeader/Filer/USAddress/ZIPCode053215
ReturnHeader/Officer/AuthorizeThirdParty0false
ReturnHeader/Officer/DateSigned02012-08-10
ReturnHeader/Officer/Name0Mary Gold
ReturnHeader/Officer/Phone04146495270
ReturnHeader/Officer/Title0President
ReturnHeader/Preparer/DatePrepared02012-08-14
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10WCUL Services Corp
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0Pewaukee
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0WI
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode053072
ReturnHeader/Preparer/Name0Cari Thompson
ReturnHeader/Preparer/Phone02625490200
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-08-14T11:39:51-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$39,610,592
Liabilities
$36,194,583
Net assets
$3,416,009
Revenue
-
Expenses
$1,729,770
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$54.3$47.3$6.97$2.66$1.93$0.74
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$51.8$45.6$6.23$2.55$1.86$0.69
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2014Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$45.7$40.8$4.88$2.41$1.77$0.64
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$45.6$41.3$4.24$2.26$1.86$0.40
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.6$36.8$3.84$1.78
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.6$36.2$3.42$1.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.2$35.2$3.06$1.76