Civic Intelligence

Peoples Community Credit Union

990 • Fiscal year 2010 • EIN 41-6028591

Jan 01, 2010 to Dec 31, 2010 • Filed on May 16, 2011

Organization ProfileWWW.PEOPLESCCU.COOP

View Organization Page

1541 Highway 755305
Siviq Scores

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

Liabilities / Assets

17th percentile

0.76x

Higher debt load relative to assets than 17% of similar nonprofits.

2010 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets17th percentile

Assets

$19,147,060

No earlier filing loaded for comparison.

Net Assets

$4,530,790

No earlier filing loaded for comparison.

Liabilities

$14,616,270

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$1,350,738

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$30M$20M$10M$0Assets 2010: $19,147,060Liabilities 2010: $14,616,270Net Assets 2010: $4,530,7902010Assets 2011: $17,880,846Liabilities 2011: $13,331,042Net Assets 2011: $4,549,8042011Assets 2012: $19,212,429Liabilities 2012: $14,648,433Net Assets 2012: $4,563,9962012Assets 2013: $18,949,866Liabilities 2013: $14,455,840Net Assets 2013: $4,494,0262013Assets 2014: $18,763,120Liabilities 2014: $14,412,689Net Assets 2014: $4,350,4312014Assets 2015: $19,519,105Liabilities 2015: $15,109,982Net Assets 2015: $4,409,1232015Assets 2016: $21,147,130Liabilities 2016: $16,649,599Net Assets 2016: $4,497,5312016

Highlighted filing

2010

Assets$19,147,060
Liabilities$14,616,270
Net Assets$4,530,790
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,350,7382010Expenses 2011: $880,2652011Expenses 2012: $890,9072012Revenue 2013: $866,994Expenses 2013: $936,964Net Income 2013: -$69,9702013Revenue 2014: $753,345Expenses 2014: $896,940Net Income 2014: -$143,5952014Revenue 2015: $1,174,399Expenses 2015: $1,115,707Net Income 2015: $58,6922015Revenue 2016: $1,298,726Expenses 2016: $1,210,318Net Income 2016: $88,4082016

Highlighted filing

2010

Revenue-
Expenses$1,350,738
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
May 16, 2011
Return Version
2010v3.2
Gross Receipts
$979,315
Mission and Program Overview

Mission

To provide lending, savings, and other financial services to its qualifying members at terms generally better than available in the market place and with a "service-based emphasis" that recognizes the members' status as "owners"

Major Activities

Activity 2
The credit union offers several solutions to help our members save for the future, meet everyday demands, maximize their returns on savings and plan for their dependents. Our members are educated about our safety and soundness when they invest and open accounts and invest in the credit union. Our credit union has a capital ratio in excess of 23% which is extremely high in our industry. We have $12,158,743 of our members savings invested in our various savings products.
Activity 3
The credit union provides loan protections insurance for all unsecured loans at no extra charge to our members. This protection ensures that a debt will die with the debtor on all non-collateralized loans. Extreme care is taken with every loan to ensure that a loan does not become a disservice to our borrower. We take the time to counsel our members about credit restorations and we work with the member so that we can lend to them in the future.
Filing and Contact Details

Filer

EIN
41-6028591
Raw XML Appendix371 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 OFFERS SEVERAL SOLUTIONS TO HELP OUR MEMBERS SAVE FOR THE FUTURE, MEET EVERYDAY DEMANDS, MAXIMIZE THEIR RETURNS ON SAVINGS AND PLAN FOR THEIR DEPENDENTS. OUR MEMBERS ARE EDUCATED ABOUT OUR SAFETY AND SOUNDNESS WHEN THEY INVEST AND OPEN ACCOUNTS AND INVEST IN THE CREDIT UNION. OUR CREDIT UNION HAS A CAPITAL RATIO IN EXCESS OF 23% WHICH IS EXTREMELY HIGH IN OUR INDUSTRY. WE HAVE $12,158,743 OF OUR MEMBERS SAVINGS INVESTED IN OUR VARIOUS SAVINGS PRODUCTS.
IRS990/Activity3/Description0THE CREDIT UNION PROVIDES LOAN PROTECTIONS INSURANCE FOR ALL UNSECURED LOANS AT NO EXTRA CHARGE TO OUR MEMBERS. THIS PROTECTION ENSURES THAT A DEBT WILL DIE WITH THE DEBTOR ON ALL NON-COLLATERALIZED LOANS. EXTREME CARE IS TAKEN WITH EVERY LOAN TO ENSURE THAT A LOAN DOES NOT BECOME A DISSERVICE TO OUR BORROWER. WE TAKE THE TIME TO COUNSEL OUR MEMBERS ABOUT CREDIT RESTORATIONS AND WE WORK WITH THE MEMBER SO THAT WE CAN LEND TO THEM IN THE FUTURE.
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IRS990/Form990PartVIISectionA/NamePerson2MICHAEL GROSSMAN
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IRS990ScheduleO/GeneralExplanation/Explanation0MEMBERSHIP TO PEOPLES COMMUNITY CREDIT UNION IS OPEN TO ANYONE WHO LIVES, WORKS, WORSHIPS, VOLUNTEERS OR ATTENDS SCHOOL IN HOPKINS, ST. LOUIS PARK AND MINNETONKA. MEMBERSHIP IS ALSO OPEN TO ALL FAMILY MEMBERS AND ANYONE WHO LIVES IN THE SAME HOUSEHOLD OF OUR CURRENT MEMBERS AND EMPLOYEES AND FAMILY MEMBERS OF THE FOLOWING ORGANIZATIONS: SUPERVALU INC INCLUDING ALL AFFILIATED DIVISIONS, THERMOTECH COMPANY, PGI COMPANIES, INC., THIRD DISTRICT NURSES OF MNA, GLEN LAKE AND CROSSROADS MOBIL, AUGSTANA CHAPEL VIEW, MAIN STREET SCHOOL OF PERFORMING ARTS, ANDERBERG LUND PRINTING COMPANY, AND COMMERCE FUSION. ONCE YOU JOIN THE CREDIT UNION, YOUR SPOUSE, PARENTS, SIBLINGS, CHILDREN, GRANDPARENTS, IN-LAWS AND ANY PERSON LIVING IN YOUR HOUSEHOLD ARE ELIGIBLE FOR MEMBERSHIP.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS ELECT THE BOARD OF DIRECTORS
IRS990ScheduleO/GeneralExplanation/Explanation2ELECTION OF THE BOARD OF DIRECTORS REQUIRES APPROVAL BY THE MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation3THE FORM WAS PREPARED BY AN ACCOUNTING FIRM - BASED ON THE CREDIT UNION'S RESPONSES. AFTER PREPARATION, THE CREDIT UNION REVIEWED THE FORM, SIGNED THE FORM AND RETURNED THE FORM FOR FILING TO THE ACCOUNTING FIRM.
IRS990ScheduleO/GeneralExplanation/Explanation4THE CREDIT UNION MANAGEMENT (KEY STAFF) ROUTINELY REVIEW THE EMPLOYEES. THE BOARD OF DIRECTORS HAS A WRITTEN POLICY THAT IS REVIEWED ANNUALLY. DIRECTORS ARE REQUIRED TO SET ASIDE ANY POTENTIAL CONFLICT BETWEEN THEIR PERSONAL OR INDIVIDUAL BUSINESS INTERESTS TO SUPPORT THE WELL BEING OF THE CREDIT UNION. EVERY BOARD MEMBER MUST DISCLOSE ALL MATERIAL FACTS AND RELATIONSHIPS AND REFRAIN FROM VOTING ON ANY MATTER WHEN THERE IS A CONFLICT OF INTEREST.
IRS990ScheduleO/GeneralExplanation/Explanation5COMPENSATION FOR TOP MANAGEMENT OFFICIAL IS ESTABLISHED WITH A WRITTEN EMPLOYMENT CONTRACT AND APPROVAL BY THE BOARD OF DIRECTORS. COMPENSATION FOR OTHER OFFICERS/KEY EMPLOYEES INCLUDES ANNUAL REVIEW, ASSESSMENT OF WORK QUALITY, AND PEER GROUP ANALYSIS. THESE PROCESSES WERE MOST RECENTLY COMPLETED DURING 2010.
IRS990ScheduleO/GeneralExplanation/Explanation6FINANCIAL STATEMENTS ARE POSTED IN OUR OFFICE, ON OUR WEBSITE.
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ReturnHeader/Filer/USAddress/City0HOPKINS
ReturnHeader/Filer/USAddress/State0MN
ReturnHeader/Filer/USAddress/ZIPCode055305
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02011-05-16
ReturnHeader/Officer/Name0ROSEMARIE KURETICH
ReturnHeader/Officer/Phone09529324499
ReturnHeader/Officer/Title0PRESIDENT
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10LARSONALLEN 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/TaxPeriodBeginDate02010-01-01
ReturnHeader/TaxPeriodEndDate02010-12-31
ReturnHeader/TaxYear02010
ReturnHeader/Timestamp02011-06-10T12:48:32-05:00

Document Assets

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Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$19,147,060
Liabilities
$14,616,270
Net assets
$4,530,790
Revenue
-
Expenses
$1,350,738
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$21.1$16.6$4.50$1.30$1.21$0.09
2015Detailed filing. Detailed filing data is available for this year.$19.5$15.1$4.41$1.17$1.12$0.06
2014Detailed filing. Detailed filing data is available for this year.$18.8$14.4$4.35$0.75$0.90$0.14
2013Detailed filing. Detailed filing data is available for this year.$18.9$14.5$4.49$0.87$0.94$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.2$14.6$4.56$0.89
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.9$13.3$4.55$0.88
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.1$14.6$4.53$1.35