Civic Intelligence

Ely Area Credit Union

990 • Fiscal year 2011 • EIN 41-0237440

Jan 01, 2011 to Dec 31, 2011 • Filed on Apr 30, 2012

Organization Profilewww.elyareacu.org

View Organization Page

2 E Chapman St55731
Siviq Scores

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

Liabilities / Assets

71st percentile

0.90x

Higher debt load relative to assets than 71% of similar nonprofits.

2011 filings • 501(c)14 • $10M-$25M 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

41st percentile

1.8%

Faster asset growth than 41% of similar nonprofits.

2011 filings • 501(c)14 • $10M-$25M 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 / Assets71st percentile

Assets

Up

$18,499,750

Up $323,942 (+1.8%) from 2010

Net Assets

Up

$1,918,759

Up $81,817 (+4.5%) from 2010

Liabilities

Up

$16,580,991

Up $242,125 (+1.5%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$664,306

Down $185,246 (-22%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth41st percentile

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

$80M$60M$40M$20M$0Assets 2010: $18,175,808Liabilities 2010: $16,338,866Net Assets 2010: $1,836,9422010Assets 2011: $18,499,750Liabilities 2011: $16,580,991Net Assets 2011: $1,918,7592011Assets 2012: $18,045,666Liabilities 2012: $16,021,412Net Assets 2012: $2,024,2542012Assets 2013: $19,964,400Liabilities 2013: $17,870,174Net Assets 2013: $2,094,2262013Assets 2014: $20,443,910Liabilities 2014: $18,227,907Net Assets 2014: $2,216,0032014Assets 2015: $22,919,071Liabilities 2015: $87,243Net Assets 2015: $22,831,8282015Assets 2016: $38,443,560Liabilities 2016: $15,363Net Assets 2016: $38,428,1972016Assets 2017: $38,713,785Liabilities 2017: $24,697Net Assets 2017: $38,689,0882017Assets 2018: $43,270,252Liabilities 2018: $42,050Net Assets 2018: $43,228,2022018Assets 2019: $43,758,560Liabilities 2019: $64,579Net Assets 2019: $43,693,9812019Assets 2020: $54,365,317Liabilities 2020: $33,165Net Assets 2020: $54,332,1522020Assets 2021: $63,210,679Liabilities 2021: $43,168Net Assets 2021: $63,167,5112021Assets 2022: $63,688,645Liabilities 2022: $89,235Net Assets 2022: $63,599,4102022Assets 2023: $64,991,016Liabilities 2023: $41,570Net Assets 2023: $64,949,4462023Assets 2024: $67,400,425Liabilities 2024: $62,138Net Assets 2024: $67,338,2872024Assets 2025: $73,171,414Liabilities 2025: $65,964Net Assets 2025: $73,105,4502025

Highlighted filing

2011

Assets$18,499,750
Liabilities$16,580,991
Net Assets$1,918,759
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $849,5522010Expenses 2011: $664,3062011Expenses 2012: $631,2812012Revenue 2013: $727,464Expenses 2013: $657,492Net Income 2013: $69,9722013Revenue 2014: $763,075Expenses 2014: $641,298Net Income 2014: $121,7772014Revenue 2015: $809,302Expenses 2015: $648,161Net Income 2015: $161,1412015Revenue 2016: $1,217,918Expenses 2016: $953,366Net Income 2016: $264,5522016Revenue 2017: $1,387,861Expenses 2017: $1,126,970Net Income 2017: $260,8912017Revenue 2018: $1,602,634Expenses 2018: $1,228,337Net Income 2018: $374,2972018Revenue 2019: $1,798,838Expenses 2019: $1,333,059Net Income 2019: $465,7792019Revenue 2020: $1,790,717Expenses 2020: $1,208,143Net Income 2020: $582,5742020Revenue 2021: $1,880,737Expenses 2021: $1,363,430Net Income 2021: $517,3072021Revenue 2022: $1,866,322Expenses 2022: $1,434,423Net Income 2022: $431,8992022Revenue 2023: $2,330,009Expenses 2023: $1,373,789Net Income 2023: $956,2202023Revenue 2024: $2,947,398Expenses 2024: $1,662,042Net Income 2024: $1,285,3562024Revenue 2025: $3,505,301Expenses 2025: $1,797,104Net Income 2025: $1,708,1972025

Highlighted filing

2011

Revenue-
Expenses$664,306
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Apr 30, 2012
Return Version
2011v1.2
Gross Receipts
$746,123
Mission and Program Overview

Mission

As a member-owned financial cooperative, we will develop and offer competitive product lines that meet members' needs while maintaining asset strength and be a full-service organization that satisfies the needs of the membership.

Major Activities

Activity 2
Life savings life insurance which provides life insurance protection to the members based on the amount in their savings accounts.
Activity 3
Dividends paid to the members quarterly on their savings accounts.
Filing and Contact Details

Filer

EIN
41-0237440
Raw XML AppendixShowing 400 of 497 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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IRS990ScheduleL/LoanTable/WrittenAgreement31
IRS990ScheduleL/LoanTable/WrittenAgreement41
IRS990ScheduleL/LoanTable/WrittenAgreement51
IRS990ScheduleL/LoanTable/WrittenAgreement61
IRS990ScheduleL/LoanTable/WrittenAgreement71
IRS990ScheduleL/LoanTable/WrittenAgreement81
IRS990ScheduleL/TotalBalanceDue0158912
IRS990ScheduleO/GeneralExplanation/Explanation0Any person that conforms to the bylaws of the credit union and has at least $5 in a share account known as a member.
IRS990ScheduleO/GeneralExplanation/Explanation1Any member of the credit union may elect members of the governing body at the annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation2The manager looks over the 990 report prior to signing and filing with the Internal Revenue Service.
IRS990ScheduleO/GeneralExplanation/Explanation3The organization makes its governing documents available to the public upon request. The financial statements hang in the lobby for viewing.

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$18,499,750
Liabilities
$16,580,991
Net assets
$1,918,759
Revenue
-
Expenses
$664,306
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$73.2$0.07$73.1$3.51$1.80$1.71
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$67.4$0.06$67.3$2.95$1.66$1.29
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$65.0$0.04$64.9$2.33$1.37$0.96
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$63.7$0.09$63.6$1.87$1.43$0.43
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$63.2$0.04$63.2$1.88$1.36$0.52
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$54.4$0.03$54.3$1.79$1.21$0.58
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.8$0.06$43.7$1.80$1.33$0.47
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.3$0.04$43.2$1.60$1.23$0.37
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.7$0.02$38.7$1.39$1.13$0.26
2016Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$38.4$0.02$38.4$1.22$0.95$0.26
2015Detailed filing. Detailed filing data is available for this year.$22.9$0.09$22.8$0.81$0.65$0.16
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.4$18.2$2.22$0.76$0.64$0.12
2013Detailed filing. Detailed filing data is available for this year.$20.0$17.9$2.09$0.73$0.66$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.0$16.0$2.02$0.63
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.5$16.6$1.92$0.66
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.2$16.3$1.84$0.85