Civic Intelligence

Ecolab Credit Union

990 • Fiscal year 2012 • EIN 41-0872683

Jan 01, 2012 to Dec 31, 2012 • Filed on May 15, 2013

Organization ProfileWWW.ECOLABCU.COM
370 Wabasha Street N55102
Siviq Scores

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

Liabilities / Assets

69th percentile

0.89x

Higher debt load relative to assets than 69% of similar nonprofits.

2012 filings • 501(c)14 • $5M-$10M 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

11th percentile

-5.4%

Faster asset growth than 11% of similar nonprofits.

2012 filings • 501(c)14 • $5M-$10M 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 / Assets69th percentile

Assets

Down

$9,792,778

Down $557,716 (-5.4%) from 2011

Net Assets

Up

$1,107,653

Up $75,919 (+7.4%) from 2011

Liabilities

Down

$8,685,125

Down $633,635 (-6.8%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$406,142

Down $4,987 (-1.2%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

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

$15M$10M$5.0M$0Assets 2011: $10,350,494Liabilities 2011: $9,318,760Net Assets 2011: $1,031,7342011Assets 2012: $9,792,778Liabilities 2012: $8,685,125Net Assets 2012: $1,107,6532012Assets 2013: $9,660,809Liabilities 2013: $8,530,379Net Assets 2013: $1,130,4302013Assets 2014: $9,691,391Liabilities 2014: $8,604,568Net Assets 2014: $1,086,8232014Assets 2015: $10,315,637Liabilities 2015: $9,254,405Net Assets 2015: $1,061,2322015Assets 2016: $0Liabilities 2016: $0Net Assets 2016: $02016

Highlighted filing

2012

Assets$9,792,778
Liabilities$8,685,125
Net Assets$1,107,653
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0-$200KExpenses 2011: $411,1292011Expenses 2012: $406,1422012Revenue 2013: $405,478Expenses 2013: $382,701Net Income 2013: $22,7772013Revenue 2014: $406,744Expenses 2014: $450,351Net Income 2014: -$43,6072014Revenue 2015: $398,575Expenses 2015: $424,166Net Income 2015: -$25,5912015Revenue 2016: $302,605Expenses 2016: $301,624Net Income 2016: $9812016

Highlighted filing

2012

Revenue-
Expenses$406,142
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 15, 2013
Return Version
2012v2.0
Gross Receipts
$495,554
Mission and Program Overview

Mission

To provide friendly, personal service to our members along with competitive, beneficial financial services while maintaining accurate, safe and efficient operations.

Major Activities

Activity 2
To service member loans - 669 loans
Activity 3
To provide checking and debit card programs - 421 checking accounts
Filing and Contact Details

Filer

EIN
41-0872683
Raw XML AppendixShowing 400 of 438 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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IRS990ScheduleO/GeneralExplanation/Explanation0Keith Backhaus, Board Chair and Ralph Van Hoven, Board Vice Chair have a business relationship
IRS990ScheduleO/GeneralExplanation/Explanation1The Credit Union is comprised of a single class of approximately 2600 member-owners, each having equal rights of ownership, governance and voting rights at the annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation2The member-owners of the Credit Union have the authority to elect the members of the Board of Directors and the Supervisory Committee for three-year terms on a rotating basis. Candidates are elected on a simple plurality vote.
IRS990ScheduleO/GeneralExplanation/Explanation3Changes to the by-laws are approved by the governing body and brought before the membership at the annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation4Jessie Janni, Director 5633 33rd Avenue South, Minneapolis MN 55417
IRS990ScheduleO/GeneralExplanation/Explanation5The 990 report is reviewed by the Supervisory Committee and the Board is notified of the filing of the form.
IRS990ScheduleO/GeneralExplanation/Explanation6The process used to set the CEO's annual salary is based on a combination of comparison to comparable sized credit unions through the use of CUNA's annual compensation survey and attainment in the current year of predefined performance objectives set for the CEO personally and for the credit union. This process is performed by a subcommittee of the Board and presented to the full Board for approval. This process is completed prior to March 1st each year and was last approved at the February 29, 2012
IRS990ScheduleO/GeneralExplanation/Explanation7The Credit Union's by-laws, conflict of interest policy and financial statements are available to the public upon request and can be viewed by appointment at the Credit Union's main office.
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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
$9,792,778
Liabilities
$8,685,125
Net assets
$1,107,653
Revenue
-
Expenses
$406,142
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.30$0.30$0.00
2015Detailed filing. Detailed filing data is available for this year.$10.3$9.25$1.06$0.40$0.42$0.03
2014Detailed filing. Detailed filing data is available for this year.$9.69$8.60$1.09$0.41$0.45$0.04
2013Detailed filing. Detailed filing data is available for this year.$9.66$8.53$1.13$0.41$0.38$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.79$8.69$1.11$0.41
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.4$9.32$1.03$0.41