Civic Intelligence

Dane County Credit Union

990 • Fiscal year 2012 • EIN 39-6047472

Jan 01, 2012 to Dec 31, 2012 • Filed on Jul 05, 2013

Organization ProfileWWW.DCCU.US

View Organization Page

2160 Rimrock Road53713
Siviq Scores

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

Liabilities / Assets

60th percentile

0.90x

Higher debt load relative to assets than 60% 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

46th percentile

4.8%

Faster asset growth than 46% 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 / Assets60th percentile

Assets

Up

$126,122,276

Up $5,800,232 (+4.8%) from 2011

Net Assets

Up

$12,234,437

Up $421,277 (+3.6%) from 2011

Liabilities

Up

$113,887,839

Up $5,378,955 (+5.0%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$6,708,089

Down $107,666 (-1.6%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth46th percentile

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

$300M$200M$100M$0Assets 2010: $114,692,638Liabilities 2010: $103,043,359Net Assets 2010: $11,649,2792010Assets 2011: $120,322,044Liabilities 2011: $108,508,884Net Assets 2011: $11,813,1602011Assets 2012: $126,122,276Liabilities 2012: $113,887,839Net Assets 2012: $12,234,4372012Assets 2013: $135,278,267Liabilities 2013: $122,693,059Net Assets 2013: $12,585,2082013Assets 2014: $139,825,528Liabilities 2014: $126,096,321Net Assets 2014: $13,729,2072014Assets 2015: $152,128,471Liabilities 2015: $137,664,243Net Assets 2015: $14,464,2282015Assets 2016: $166,187,402Liabilities 2016: $150,744,347Net Assets 2016: $15,443,0552016Assets 2017: $196,703,163Liabilities 2017: $180,475,587Net Assets 2017: $16,227,5762017Assets 2018: $188,358,091Liabilities 2018: $172,858,714Net Assets 2018: $15,499,3772018Assets 2019: $191,057,399Liabilities 2019: $175,979,273Net Assets 2019: $15,078,1262019Assets 2020: $202,343,302Liabilities 2020: $186,950,796Net Assets 2020: $15,392,5062020Assets 2021: $217,144,580Liabilities 2021: $199,646,745Net Assets 2021: $17,497,8352021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2012

Assets$126,122,276
Liabilities$113,887,839
Net Assets$12,234,437
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $6,860,0852010Expenses 2011: $6,815,7552011Expenses 2012: $6,708,0892012Revenue 2013: $7,016,030Expenses 2013: $6,486,616Net Income 2013: $529,4142013Revenue 2014: $7,388,619Expenses 2014: $6,434,053Net Income 2014: $954,5662014Revenue 2015: $7,669,170Expenses 2015: $6,940,304Net Income 2015: $728,8662015Revenue 2016: $8,831,531Expenses 2016: $7,858,304Net Income 2016: $973,2272016Revenue 2017: $11,248,151Expenses 2017: $10,407,771Net Income 2017: $840,3802017Revenue 2018: $11,725,947Expenses 2018: $12,362,053Net Income 2018: -$636,1062018Revenue 2019: $10,942,722Expenses 2019: $11,460,527Net Income 2019: -$517,8052019Revenue 2020: $9,488,618Expenses 2020: $9,249,776Net Income 2020: $238,8422020Revenue 2021: $8,743,870Expenses 2021: $6,467,914Net Income 2021: $2,275,9562021Revenue 2022: $1,266,768Expenses 2022: $1,078,599Net Income 2022: $188,1692022

Highlighted filing

2012

Revenue-
Expenses$6,708,089
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Jul 5, 2013
Return Version
2012v2.1
Gross Receipts
$6,777,424
Mission and Program Overview

Mission

Building lifetime relationships with personalized financial solutions.

Major Activities

Activity 2
The credit union has several types of loan programs available for our members. We funded 2,508 new loans during 2012. As of 12/31/12 we had 9,961 loans to our members.
Activity 3
.
Filing and Contact Details

Filer

EIN
39-6047472
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IRS990/Activity2/Description0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 2,508 NEW LOANS DURING 2012. AS OF 12/31/12 WE HAD 9,961 LOANS TO OUR MEMBERS.
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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION WILL FILE A 990-T BY ITS EXTENDED DUE DATE OF NOVEMBER 15TH.
IRS990ScheduleO/GeneralExplanation/Explanation1THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER, YOU MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation2THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/GeneralExplanation/Explanation3A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/GeneralExplanation/Explanation4MANAGEMETN PROVIDES DATA TO INDEPENDENT CPA WHO PREPARES THE RETURN. MANAGAEMENT REVIEWST THE RETURN FOR ACCURACY, THEN AUTHORIZES THE CPA TO E-FILE THE FORM. MANAGEMENT REVIEWS THE RETURN WITH THE BOARD AT A FUTURE BOARD MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation5THE CONFLICT OF INTEREST POLICY IS REVIEWED BY EACH STAFF MEMBER ONCE A YEAR. OUR COMPLIANCE OFFICER MONITORS THE ACCEPTANCE OF THE POLICY AS WELL AS ANY NOTES OR INDIVIDUAL STAFF DISCLOSURES. THE ACCEPTANCE IS ELECTRONIC USING OUR BVS EDUCATIONAL SYSTEM.
IRS990ScheduleO/GeneralExplanation/Explanation6THE BOARD OF DIRECTORS PERFORMS AN ANNUAL PERFORMANCE REVIEW OF THE CEO. THE CEO'S SALARY AND BENEFITS ARE DETERMINED BY THE BOARD OF DIRECTORS USING COMPARATIVE INDUSTRY DATA AND BY TAKING INTO ACCOUNT INDIVIDUAL PERFORMANCE. THE ANNUAL SALARY AND BENEFIT EXPENSE IS APPROVED BY THE BOARD OF DIRECTORS IN THE ANNUAL BUDGET REVIEW PROCESS.
IRS990ScheduleO/GeneralExplanation/Explanation7THE SALARIES OF THE KEY EMPLOYEES ARE DETERMINED BY THE CEO WITH GUIDANCE FROM THE HR DIRECTOR IN CONCERT WITH COMPARATIVE INDUSTRY DATA. THE ANNUAL SALARY AND BENEFIT EXPENSE IS APPROVED BY THE BOARD OF DIRECTORS IN THE ANNUAL BUDGET REVIEW PROCESS.
IRS990ScheduleO/GeneralExplanation/Explanation8GOVERNING DOCUMENTS ARE NOT AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/GeneralExplanation/Explanation9INCREASE IN EQUITY ACQUIRED IN MERGERS 317,728
IRS990ScheduleO/GeneralExplanation/Identifier0EXPLANATION FOR WHY FORM 990-T NOT FILED
IRS990ScheduleO/GeneralExplanation/Identifier1CLASSES OF MEMBERS OR STOCKHOLDERS
IRS990ScheduleO/GeneralExplanation/Identifier2ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier3DECISIONS SUBJECT TO APPROVAL OF MEMBERS
IRS990ScheduleO/GeneralExplanation/Identifier4ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier5ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier6COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier7COMPENSATION PROCESS FOR OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier8GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier9OTHER CHANGES IN NET ASSETS EXPLANATION
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IRS990/TaxExemptBonds0false
IRS990/Terminated0false
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IRS990/TotalNbrEmployees061
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IRS990/TotalOtherCompensation068431
IRS990/TotalProfFundrsngExpCY00
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IRS990/TotalReportableCompFromOrg0465595
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IRS990/TotalRevenue/RelatedOrExemptFunctionIncome06131136
IRS990/TotalRevenue/TotalRevenueColumn06777424
IRS990/TotalRevenue/UnrelatedBusinessRevenue030947
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0true
IRS990/UponRequest0X
IRS990/WebSite0WWW.DCCU.US
IRS990/WhistleblowerPolicy0true
IRS990/YearFormation01935
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/Filer/EIN0396047472
ReturnHeader/Filer/Name/BusinessNameLine10DANE COUNTY CREDIT UNION
ReturnHeader/Filer/NameControl0DANE
ReturnHeader/Filer/Phone06082871802
ReturnHeader/Filer/USAddress/AddressLine102160 RIMROCK ROAD
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ReturnHeader/Filer/USAddress/ZIPCode053713
ReturnHeader/Officer/DateSigned02013-07-05

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
$126,122,276
Liabilities
$113,887,839
Net assets
$12,234,437
Revenue
-
Expenses
$6,708,089
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.27$1.08$0.19
2021Detailed filing. Detailed filing data is available for this year.$217$200$17.5$8.74$6.47$2.28
2020Detailed filing. Detailed filing data is available for this year.$202$187$15.4$9.49$9.25$0.24
2019Detailed filing. Detailed filing data is available for this year.$191$176$15.1$10.9$11.5$0.52
2018Detailed filing. Detailed filing data is available for this year.$188$173$15.5$11.7$12.4$0.64
2017Detailed filing. Detailed filing data is available for this year.$197$180$16.2$11.2$10.4$0.84
2016Detailed filing. Detailed filing data is available for this year.$166$151$15.4$8.83$7.86$0.97
2015Detailed filing. Detailed filing data is available for this year.$152$138$14.5$7.67$6.94$0.73
2014Detailed filing. Detailed filing data is available for this year.$140$126$13.7$7.39$6.43$0.95
2013Detailed filing. Detailed filing data is available for this year.$135$123$12.6$7.02$6.49$0.53
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$126$114$12.2$6.71
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$120$109$11.8$6.82
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$115$103$11.6$6.86