Civic Intelligence

Cities Credit Union

990 • Fiscal year 2012 • EIN 41-0519535

Jan 01, 2012 to Dec 31, 2012 • Filed on Jun 10, 2013

Organization ProfileWWW.CITIESCU.ORG

View Organization Page

3625 Talmage CircleRoom/Suite 10255110
Siviq Scores

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

Liabilities / Assets

90th percentile

0.92x

Higher debt load relative to assets than 90% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M 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

76th percentile

7.0%

Faster asset growth than 76% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M 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 / Assets90th percentile

Assets

Up

$26,706,188

Up $1,750,608 (+7.0%) from 2011

Net Assets

Up

$2,104,907

Up $54,929 (+2.7%) from 2011

Liabilities

Up

$24,601,281

Up $1,695,679 (+7.4%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,274,736

Down $38,030 (-2.9%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth76th percentile

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

$40M$30M$20M$10M$0Assets 2010: $25,009,621Liabilities 2010: $22,984,056Net Assets 2010: $2,025,5652010Assets 2011: $24,955,580Liabilities 2011: $22,905,602Net Assets 2011: $2,049,9782011Assets 2012: $26,706,188Liabilities 2012: $24,601,281Net Assets 2012: $2,104,9072012Assets 2013: $26,487,843Liabilities 2013: $24,309,065Net Assets 2013: $2,178,7782013Assets 2014: $27,349,873Liabilities 2014: $25,059,171Net Assets 2014: $2,290,7022014Assets 2015: $27,970,879Liabilities 2015: $25,575,844Net Assets 2015: $2,395,0352015Assets 2016: $28,975,526Liabilities 2016: $26,542,015Net Assets 2016: $2,433,5112016Assets 2017: $29,900,513Liabilities 2017: $27,415,885Net Assets 2017: $2,484,6282017Assets 2018: $29,352,020Liabilities 2018: $26,782,905Net Assets 2018: $2,569,1152018Assets 2019: $30,248,557Liabilities 2019: $27,617,203Net Assets 2019: $2,631,3542019Assets 2020: $34,534,584Liabilities 2020: $31,892,271Net Assets 2020: $2,642,3132020Assets 2021: $36,503,066Liabilities 2021: $33,835,442Net Assets 2021: $2,667,6242021Assets 2022: $37,961,220Liabilities 2022: $35,271,310Net Assets 2022: $2,689,9102022Assets 2023: $34,334,348Liabilities 2023: $31,650,033Net Assets 2023: $2,684,3152023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2012

Assets$26,706,188
Liabilities$24,601,281
Net Assets$2,104,907
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,406,1212010Expenses 2011: $1,312,7662011Expenses 2012: $1,274,7362012Revenue 2013: $1,337,731Expenses 2013: $1,263,860Net Income 2013: $73,8712013Revenue 2014: $1,348,614Expenses 2014: $1,236,690Net Income 2014: $111,9242014Revenue 2015: $1,305,215Expenses 2015: $1,200,882Net Income 2015: $104,3332015Revenue 2016: $1,287,469Expenses 2016: $1,248,993Net Income 2016: $38,4762016Revenue 2017: $1,334,226Expenses 2017: $1,283,109Net Income 2017: $51,1172017Revenue 2018: $1,433,007Expenses 2018: $1,348,520Net Income 2018: $84,4872018Revenue 2019: $1,467,259Expenses 2019: $1,405,020Net Income 2019: $62,2392019Revenue 2020: $1,330,376Expenses 2020: $1,319,417Net Income 2020: $10,9592020Revenue 2021: $1,272,325Expenses 2021: $1,247,014Net Income 2021: $25,3112021Revenue 2022: $1,467,709Expenses 2022: $1,445,423Net Income 2022: $22,2862022Revenue 2023: $1,489,903Expenses 2023: $1,495,497Net Income 2023: -$5,5942023Revenue 2024: $1,501,794Expenses 2024: $2,180,963Net Income 2024: -$679,1692024

Highlighted filing

2012

Revenue-
Expenses$1,274,736
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Jun 10, 2013
Return Version
2012v2.1
Gross Receipts
$1,329,665
Mission and Program Overview

Mission

Neighborly, comfortable, fun and righthearted service. Offers humble guidance to members.

Major Activities

Activity 2
The credit union has several types of loan programs available for our members. We funded 651 new loans during 2012. As of 12/31/12 we had 2,539 loans to members.
Activity 3
.
Filing and Contact Details

Filer

EIN
41-0519535
Raw XML Appendix370 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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IRS990/Activity2/Description0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 651 NEW LOANS DURING 2012. AS OF 12/31/12 WE HAD 2,539 LOANS TO MEMBERS.
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IRS990/Form990PartVIISectionA/NamePerson3ROGER DEBACE
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IRS990/Form990PartVIISectionA/Title9VP ACCOUNTIN
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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/Explanation4MANAGEMENT PROVIDES THE INFORMATION TO INDEPENDENT CPA WHO PREPARES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR POSSIBLE ERRORS, AND THEN AUTHORIZES CPA TO FILE THE APPROVED RETURN. MANAGEMENT NOTIFIES THE SUPERVISORY COMMITTE IT HAS BEEN FILED AND IS AVAILABLE FOR THEIR REIVEW. THE BOARD IS ALSO NOTIFIED AT THEIR NEXT MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation5AT THE FIRST BOARD MEETING AFTER THE ANNUAL MEETING EACH YEAR, THE BOARD MEMBERS ARE ASKED TO DISCLOSE ANY KNOWN CONFLICTS OF INTEREST.
IRS990ScheduleO/GeneralExplanation/Explanation6THE SALARY AND BENEFITS COMMITTEE DETERMINE THE PRESIDENT'S SALARY USING COMPARATIVE SALARY INFORMATION. THE COMMITTEE INCLUDES THE CHAIR, VICE CHAIR, AND SECREATARY OF THE BOARD OF DIRECTORS. THE PRESIDENT DETERMIENS THE SALARY OF ALL OTHER EMPLOYESS, AND THIS IS INCLUDED IN THE ANNUAL BUDGET APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation7THE SALARY AND BENEFITS COMMITTEE DETERMINE THE PRESIDENT'S SALARY USING COMPARATIVE SALARY INFORMATION. THE COMMITTEE INCLUDES THE CHAIR, VICE CHAIR, AND SECREATARY OF THE BOARD OF DIRECTORS. THE PRESIDENT DETERMIENS THE SALARY OF ALL OTHER EMPLOYESS, AND THIS IS INCLUDED IN THE ANNUAL BUDGET APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation8FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY TO INFORM THE MEMBERS.
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/ReturnReference0FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0true
IRS990/UponRequest0X
IRS990/WebSite0WWW.CITIESCU.ORG
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01936
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0410519535
ReturnHeader/Filer/Name/BusinessNameLine10CITIES CREDIT UNION
ReturnHeader/Filer/NameControl0CITI
ReturnHeader/Filer/Phone06514263773
ReturnHeader/Filer/USAddress/AddressLine103625 TALMAGE CIRCLE
ReturnHeader/Filer/USAddress/AddressLine20ROOM/SUITE 102
ReturnHeader/Filer/USAddress/City0VADNAIS HEIGHTS
ReturnHeader/Filer/USAddress/State0MN
ReturnHeader/Filer/USAddress/ZIPCode055110
ReturnHeader/Officer/DateSigned02013-06-10
ReturnHeader/Officer/Name0KRISTINE HEUER
ReturnHeader/Officer/Phone06514263773
ReturnHeader/Officer/Title0VP ACCOUNTING
ReturnHeader/Preparer/DatePrepared02013-06-14
ReturnHeader/Preparer/Name0BRENT WOOKEY
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-06-14T15:41:44-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$26,706,188
Liabilities
$24,601,281
Net assets
$2,104,907
Revenue
-
Expenses
$1,274,736
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$1.50$2.18$0.68
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.3$31.7$2.68$1.49$1.50$0.01
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.0$35.3$2.69$1.47$1.45$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.5$33.8$2.67$1.27$1.25$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.5$31.9$2.64$1.33$1.32$0.01
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.2$27.6$2.63$1.47$1.41$0.06
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.4$26.8$2.57$1.43$1.35$0.08
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.9$27.4$2.48$1.33$1.28$0.05
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.0$26.5$2.43$1.29$1.25$0.04
2015Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$28.0$25.6$2.40$1.31$1.20$0.10
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.3$25.1$2.29$1.35$1.24$0.11
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.5$24.3$2.18$1.34$1.26$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.7$24.6$2.10$1.27
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.0$22.9$2.05$1.31
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.0$23.0$2.03$1.41