Civic Intelligence

Royal Credit Union

990 • Fiscal year 2012 • EIN 39-6072970

Jan 01, 2012 to Dec 31, 2012

Organization ProfileWWW.RCU.ORG
Eau Claire, WI
Siviq Scores

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

Liabilities / Assets

58th percentile

0.90x

Higher debt load relative to assets than 58% of similar nonprofits.

2012 filings • 501(c)14 • $1B+ nonprofits • Source year 2012

Liabilities / Revenue

83rd percentile

11.93x

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

2012 filings • $1B+ nonprofits • Source year 2012

Net Margin

62nd percentile

17%

Higher net margin than 62% of similar nonprofits.

2012 filings • $1B+ 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

12th percentile

1.9%

Faster asset growth than 12% of similar nonprofits.

2012 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2012

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$1,295,129,210

Up $24,344,129 (+1.9%) from 2011

Net Assets

Up

$125,097,553

Up $16,455,063 (+15%) from 2011

Liabilities

Up

$1,170,031,657

Up $7,889,066 (+0.7%) from 2011

Revenue And Expenses
Liabilities / Revenue83rd percentileNet Margin62nd percentile

Revenue

$98,042,191

No earlier filing loaded for comparison.

Expenses

Down

$81,587,128

Down $2,835,463 (-3.4%) from 2011

Net Income

$16,455,063

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth12th percentile

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

$6.0B$4.0B$2.0B$0Assets 2010: $1,247,936,678Liabilities 2010: $1,143,817,748Net Assets 2010: $104,118,9302010Assets 2011: $1,270,785,081Liabilities 2011: $1,162,142,591Net Assets 2011: $108,642,4902011Assets 2012: $1,295,129,210Liabilities 2012: $1,170,031,657Net Assets 2012: $125,097,5532012Assets 2013: $1,392,362,366Liabilities 2013: $1,236,658,384Net Assets 2013: $155,703,9822013Assets 2014: $1,543,001,886Liabilities 2014: $1,370,487,521Net Assets 2014: $172,514,3652014Assets 2015: $1,711,373,153Liabilities 2015: $1,519,733,740Net Assets 2015: $191,639,4132015Assets 2016: $2,025,441,909Liabilities 2016: $1,813,851,175Net Assets 2016: $211,590,7342016Assets 2017: $2,211,060,527Liabilities 2017: $1,973,852,838Net Assets 2017: $237,207,6892017Assets 2018: $2,390,524,196Liabilities 2018: $2,129,936,823Net Assets 2018: $260,587,3732018Assets 2019: $2,837,926,175Liabilities 2019: $2,551,352,414Net Assets 2019: $286,573,7612019Assets 2020: $3,465,269,366Liabilities 2020: $3,150,189,725Net Assets 2020: $315,079,6412020Assets 2021: $4,046,275,359Liabilities 2021: $3,664,092,598Net Assets 2021: $382,182,7612021Assets 2022: $4,552,578,835Liabilities 2022: $4,134,659,335Net Assets 2022: $417,919,5002022Assets 2023: $5,178,101,427Liabilities 2023: $4,709,331,756Net Assets 2023: $468,769,6712023Assets 2024: $5,329,096,009Liabilities 2024: $4,806,461,248Net Assets 2024: $522,634,7612024

Highlighted filing

2012

Assets$1,295,129,210
Liabilities$1,170,031,657
Net Assets$125,097,553
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400M$300M$200M$100M$0Expenses 2010: $81,787,0072010Expenses 2011: $84,422,5912011Revenue 2012: $98,042,191Expenses 2012: $81,587,128Net Income 2012: $16,455,0632012Revenue 2013: $99,897,310Expenses 2013: $69,290,881Net Income 2013: $30,606,4292013Revenue 2014: $86,490,835Expenses 2014: $70,083,794Net Income 2014: $16,407,0412014Revenue 2015: $91,590,327Expenses 2015: $72,465,279Net Income 2015: $19,125,0482015Revenue 2016: $99,470,902Expenses 2016: $79,519,580Net Income 2016: $19,951,3222016Revenue 2017: $115,794,366Expenses 2017: $90,177,413Net Income 2017: $25,616,9532017Revenue 2018: $131,746,038Expenses 2018: $108,366,353Net Income 2018: $23,379,6852018Revenue 2019: $153,742,463Expenses 2019: $127,756,075Net Income 2019: $25,986,3882019Revenue 2020: $170,100,476Expenses 2020: $141,594,596Net Income 2020: $28,505,8802020Revenue 2021: $185,328,498Expenses 2021: $120,388,667Net Income 2021: $64,939,8312021Revenue 2022: $198,876,123Expenses 2022: $159,344,082Net Income 2022: $39,532,0412022Revenue 2023: $299,976,577Expenses 2023: $258,380,438Net Income 2023: $41,596,1392023Revenue 2024: $373,611,288Expenses 2024: $323,800,255Net Income 2024: $49,811,0332024

Highlighted filing

2012

Revenue$98,042,191
Expenses$81,587,128
Net Income$16,455,063
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)
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Mission and Program Overview

Mission

To create a positive impact in the lives we touch.

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
$1,295,129,210
Liabilities
$1,170,031,657
Net assets
$125,097,553
Revenue
$98,042,191
Expenses
$81,587,128
Net income
$16,455,063
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5,329$4,806$523$374$324$49.8
2023Detailed filing. Detailed filing data is available for this year.$5,178$4,709$469$300$258$41.6
2022Detailed filing. Detailed filing data is available for this year.$4,553$4,135$418$199$159$39.5
2021Detailed filing. Detailed filing data is available for this year.$4,046$3,664$382$185$120$64.9
2020Detailed filing. Detailed filing data is available for this year.$3,465$3,150$315$170$142$28.5
2019Detailed filing. Detailed filing data is available for this year.$2,838$2,551$287$154$128$26.0
2018Detailed filing. Detailed filing data is available for this year.$2,391$2,130$261$132$108$23.4
2017Detailed filing. Detailed filing data is available for this year.$2,211$1,974$237$116$90.2$25.6
2016Detailed filing. Detailed filing data is available for this year.$2,025$1,814$212$99.5$79.5$20.0
2015Detailed filing. Detailed filing data is available for this year.$1,711$1,520$192$91.6$72.5$19.1
2014Detailed filing. Detailed filing data is available for this year.$1,543$1,370$173$86.5$70.1$16.4
2013Detailed filing. Detailed filing data is available for this year.$1,392$1,237$156$99.9$69.3$30.6
2012Summary only. Only limited summary data is available for this year.$1,295$1,170$125$98.0$81.6$16.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,271$1,162$109$84.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,248$1,144$104$81.8
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $1B+ nonprofits