Civic Intelligence

West Financial Credit Union

990 • Fiscal year 2012 • EIN 41-0830860

Jan 01, 2012 to Dec 31, 2012 • Filed on May 03, 2013

Organization ProfileWWW.WESTFINANCIALCU.COM

View Organization Page

3575 Sioux Drive55340
Siviq Scores

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

Liabilities / Assets

92nd percentile

0.92x

Higher debt load relative to assets than 92% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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

83rd percentile

9.4%

Faster asset growth than 83% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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 / Assets92nd percentile

Assets

Up

$23,155,189

Up $1,991,001 (+9.4%) from 2011

Net Assets

Up

$1,784,889

Up $111,314 (+6.7%) from 2011

Liabilities

Up

$21,370,300

Up $1,879,687 (+9.6%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,250,462

Down $145,420 (-10%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth83rd percentile

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

$30M$20M$10M$0Assets 2010: $20,726,066Liabilities 2010: $19,014,703Net Assets 2010: $1,711,3632010Assets 2011: $21,164,188Liabilities 2011: $19,490,613Net Assets 2011: $1,673,5752011Assets 2012: $23,155,189Liabilities 2012: $21,370,300Net Assets 2012: $1,784,8892012Assets 2013: $22,749,629Liabilities 2013: $20,767,173Net Assets 2013: $1,982,4562013Assets 2014: $24,637,614Liabilities 2014: $22,373,620Net Assets 2014: $2,263,9942014Assets 2015: $24,796,889Liabilities 2015: $22,306,123Net Assets 2015: $2,490,7662015Assets 2016: $27,426,490Liabilities 2016: $24,764,159Net Assets 2016: $2,662,3312016Assets 2017: $28,828,659Liabilities 2017: $26,031,066Net Assets 2017: $2,797,5932017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2012

Assets$23,155,189
Liabilities$21,370,300
Net Assets$1,784,889
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,419,2672010Revenue 2011: $1,358,094Expenses 2011: $1,395,882Net Income 2011: -$37,7882011Expenses 2012: $1,250,4622012Revenue 2013: $1,467,297Expenses 2013: $1,269,730Net Income 2013: $197,5672013Revenue 2014: $1,596,538Expenses 2014: $1,315,000Net Income 2014: $281,5382014Revenue 2015: $1,628,195Expenses 2015: $1,401,423Net Income 2015: $226,7722015Revenue 2016: $1,666,186Expenses 2016: $1,494,621Net Income 2016: $171,5652016Revenue 2017: $1,665,094Expenses 2017: $1,482,797Net Income 2017: $182,2972017Revenue 2018: $401,219Expenses 2018: $690,894Net Income 2018: -$289,6752018

Highlighted filing

2012

Revenue-
Expenses$1,250,462
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 3, 2013
Return Version
2012v2.1
Gross Receipts
$1,361,776
Mission and Program Overview

Mission

Member owned financial cooperative that provides financial services to meet the needs of the individual member for their benefit, not ours.

Major Activities

Activity 2
Originating new loans and servicing the loan portfolio for members and providing financial counseling to members in need.
Activity 3
Providing access to members' accounts via home banking, atm networks, and in person at credit union branches.
Filing and Contact Details

Filer

EIN
41-0830860
Raw XML Appendix337 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/AccountsPayableAccruedExpenses/EOY098647
IRS990/ActivitiesConductedPartnership00
IRS990/Activity2/Description0ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS AND PROVIDING FINANCIAL COUNSELING TO MEMBERS IN NEED.
IRS990/Activity3/Description0PROVIDING ACCESS TO MEMBERS' ACCOUNTS VIA HOME BANKING, ATM NETWORKS, AND IN PERSON AT CREDIT UNION BRANCHES.
IRS990/ActivityOrMissionDescription0WE ARE A MEMBER OWNED FINANCIAL COOPERATIVE THAT ENCOURAGES MEMBERS TO SAVE AND BORROW RESPONSIBLY AT FAIR AND COMPETITIVE RATES, IMPROVING THEIR FINANCIAL WELL-BEING AND STANDARD OF LIVING.
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IRS990/Form990PartVIISectionA/NamePerson2JIM DOMHOLT
IRS990/Form990PartVIISectionA/NamePerson3VERNE PALMBERG
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IRS990/Form990PartVIISectionA/NamePerson5DAVE SHAFER
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IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation78725
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
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IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization791275
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
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IRS990/Form990PartVIISectionA/Title0BOARD OF DIRECTOR
IRS990/Form990PartVIISectionA/Title1BOARD CHAIR
IRS990/Form990PartVIISectionA/Title2SECRETARY
IRS990/Form990PartVIISectionA/Title3TREASURER
IRS990/Form990PartVIISectionA/Title4BOARD OF DIRECTOR
IRS990/Form990PartVIISectionA/Title5BOARD OF DIRECTOR
IRS990/Form990PartVIISectionA/Title6BOARD OF DIRECTOR
IRS990/Form990PartVIISectionA/Title7CEO
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IRS990/GrantsToOrganizations00
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IRS990/GrossReceipts01361776
IRS990/GroupReturnForAffiliates00
IRS990/Hospital00
IRS990/IndependentAuditFinancialStmt00
IRS990/IndoorTanningServices00
IRS990/InfoInScheduleOPartVI0X
IRS990/Interest/Total055
IRS990/InvestmentIncomeCurrentYear035398
IRS990/InvestmentIncome/ExclusionAmount035398
IRS990/InvestmentIncomePriorYear022891
IRS990/InvestmentIncome/TotalRevenueColumn035398
IRS990/InvestmentInJointVenture00
IRS990/InvestmentsOtherSecurities/BOY01281000
IRS990/InvestmentsOtherSecurities/EOY00
IRS990/LandBldgEquipmentAccumDeprec0266546
IRS990/LandBuildingsEquipmentBasis0622591
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IRS990/OtherExpenses/Description1PROVISION FOR LOAN LOSS
IRS990/OtherExpenses/Description2PROFESSIONAL & OUTSIDE
IRS990/OtherExpenses/Description3EDUCATIONAL & PROMOTION
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IRS990ScheduleD/OtherLiabilities/Amount021271653
IRS990ScheduleD/OtherLiabilities/Description0MEMBER DEPOSITS
IRS990ScheduleD/TotalOfAmounts021271653
IRS990ScheduleD/TotalOfBookValueLandBuildings0356045
IRS990/ScheduleJRequired00
IRS990ScheduleO/GeneralExplanation/Explanation0ALL ACCOUNT HOLDERS ARE SHAREHOLDERS
IRS990ScheduleO/GeneralExplanation/Explanation1THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation2THE CREDIT UNION'S BY-LAWS REQUIRE MEMBERSHIP APPROVAL ON SPECIFIC DECISIONS.
IRS990ScheduleO/GeneralExplanation/Explanation3THE FORM 990 IS REVIEWED BY THE CEO BEFORE IT IS FILED.
IRS990ScheduleO/GeneralExplanation/Explanation4ALL CREDIT UNION POLICIES ARE REVIEWED ANNUALLY FOR COMPLIANCE.
IRS990ScheduleO/GeneralExplanation/Explanation5KEY EMPLOYEES ARE PAID BASED ON SAME INDUSTRY SALARY SURVEYS, EXPERIENCE, AND EDUCATION.
IRS990ScheduleO/GeneralExplanation/Explanation6THEY ARE POSTED AT THE CREDIT UNION OFFICES AND ARE ALSO PRESENTED AT THE ANNUAL MEETING OF THE MEMBERSHIP.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
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IRS990/TypeOfOrgOtherDescription0CU
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IRS990/UponRequest0X
IRS990/WebSite0WWW.WESTFINANCIALCU.COM
IRS990/WhistleblowerPolicy00
IRS990/YearFormation01958
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/Filer/EIN0410830860
ReturnHeader/Filer/Name/BusinessNameLine10WEST FINANCIAL CREDIT UNION
ReturnHeader/Filer/NameControl0WEST
ReturnHeader/Filer/Phone07632356000
ReturnHeader/Filer/USAddress/AddressLine103575 SIOUX DRIVE
ReturnHeader/Filer/USAddress/City0MEDINA
ReturnHeader/Filer/USAddress/State0MN
ReturnHeader/Filer/USAddress/ZIPCode055340
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02013-05-03
ReturnHeader/Officer/Name0RENEE SCHUYLER
ReturnHeader/Officer/Phone07632356017
ReturnHeader/Officer/Title0CEO
ReturnHeader/PreparerFirm/EIN0410746749
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10CLIFTONLARSONALLEN LLP
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10PO BOX 217
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0AUSTIN
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MN
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode055912
ReturnHeader/Preparer/Name0RICHARD J GABRIELSON
ReturnHeader/Preparer/Phone05074347000
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-09T08:29:40-05:00

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
$23,155,189
Liabilities
$21,370,300
Net assets
$1,784,889
Revenue
-
Expenses
$1,250,462
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.40$0.69$0.29
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.8$26.0$2.80$1.67$1.48$0.18
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.4$24.8$2.66$1.67$1.49$0.17
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.8$22.3$2.49$1.63$1.40$0.23
2014Detailed filing. Detailed filing data is available for this year.$24.6$22.4$2.26$1.60$1.32$0.28
2013Detailed filing. Detailed filing data is available for this year.$22.7$20.8$1.98$1.47$1.27$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.2$21.4$1.78$1.25
2011Summary only. Only limited summary data is available for this year.$21.2$19.5$1.67$1.36$1.40$0.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.7$19.0$1.71$1.42
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $10M-$25M nonprofits