Civic Intelligence

Employees First Credit Union

990 • Fiscal year 2012 • EIN 41-0909796

Jan 01, 2012 to Dec 31, 2012

Organization ProfileWWW.SAVEWITHEMPLOYEESFIRSTCU.COM
St Paul, MN
Siviq Scores

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

Liabilities / Assets

13th percentile

0.74x

Higher debt load relative to assets than 13% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2012

Liabilities / Revenue

96th percentile

7.33x

Higher debt load relative to revenue than 96% of similar nonprofits.

2012 filings • $10M-$25M nonprofits • Source year 2012

Net Margin

43rd percentile

0.2%

Higher net margin than 43% of similar nonprofits.

2012 filings • $10M-$25M 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

80th percentile

8.5%

Faster asset growth than 80% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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 / Assets13th percentile

Assets

Up

$12,880,290

Up $1,006,511 (+8.5%) from 2011

Net Assets

Up

$3,304,897

Up $3,258 (+0.1%) from 2011

Liabilities

Up

$9,575,393

Up $1,003,253 (+12%) from 2011

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin43rd percentile

Revenue

$1,306,495

No earlier filing loaded for comparison.

Expenses

Up

$1,303,237

Up $146,527 (+13%) from 2011

Net Income

$3,258

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth80th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $10,423,393Liabilities 2010: $7,128,357Net Assets 2010: $3,295,0362010Assets 2011: $11,873,779Liabilities 2011: $8,572,140Net Assets 2011: $3,301,6392011Assets 2012: $12,880,290Liabilities 2012: $9,575,393Net Assets 2012: $3,304,8972012Assets 2013: $16,056,307Liabilities 2013: $12,748,785Net Assets 2013: $3,307,5222013Assets 2014: $19,864,724Liabilities 2014: $16,004,824Net Assets 2014: $3,859,9002014Assets 2015: $19,602,438Liabilities 2015: $13,565,636Net Assets 2015: $6,036,8022015Assets 2016: $0Liabilities 2016: $0Net Assets 2016: $02016

Highlighted filing

2012

Assets$12,880,290
Liabilities$9,575,393
Net Assets$3,304,897
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$2.0M$0-$2.0M-$4.0MExpenses 2010: $804,7492010Expenses 2011: $1,156,7102011Revenue 2012: $1,306,495Expenses 2012: $1,303,237Net Income 2012: $3,2582012Revenue 2013: $1,530,066Expenses 2013: $1,527,441Net Income 2013: $2,6252013Revenue 2014: $1,786,869Expenses 2014: $1,234,491Net Income 2014: $552,3782014Revenue 2015: $1,700,281Expenses 2015: $800,039Net Income 2015: $900,2422015Revenue 2016: $1,026,024Expenses 2016: $3,868,290Net Income 2016: -$2,842,2662016

Highlighted filing

2012

Revenue$1,306,495
Expenses$1,303,237
Net Income$3,258
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 (2016)
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Mission and Program Overview

Mission

To provide members with quality financial service.

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
$12,880,290
Liabilities
$9,575,393
Net assets
$3,304,897
Revenue
$1,306,495
Expenses
$1,303,237
Net income
$3,258
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.03$3.87$2.84
2015Summary only. Only limited summary data is available for this year.$19.6$13.6$6.04$1.70$0.80$0.90
2014Detailed filing. Detailed filing data is available for this year.$19.9$16.0$3.86$1.79$1.23$0.55
2013Detailed filing. Detailed filing data is available for this year.$16.1$12.7$3.31$1.53$1.53$0.00
2012Summary only. Only limited summary data is available for this year.$12.9$9.58$3.30$1.31$1.30$0.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.9$8.57$3.30$1.16
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.4$7.13$3.30$0.80
Peer Organizations

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