Civic Intelligence

Cent Credit Union

990 • Fiscal year 2012 • EIN 42-0923713

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 23, 2013

Organization ProfileWWW.CENTCU.ORG

View Organization Page

1341 6th Street SW50401
Siviq Scores

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

Liabilities / Assets

21st percentile

0.84x

Higher debt load relative to assets than 21% 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

58th percentile

4.7%

Faster asset growth than 58% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2010 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets21st percentile

Assets

Up

$32,488,652

Up $2,825,731 (+9.5%) from 2010

Net Assets

Up

$5,076,263

Up $620,044 (+14%) from 2010

Liabilities

Up

$27,412,389

Up $2,205,687 (+8.8%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$999,562

Down $193,338 (-16%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth58th percentile

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

$200M$150M$100M$50M$0Assets 2010: $29,662,921Liabilities 2010: $25,206,702Net Assets 2010: $4,456,2192010Assets 2012: $32,488,652Liabilities 2012: $27,412,389Net Assets 2012: $5,076,2632012Assets 2015: $40,748,957Liabilities 2015: $33,982,661Net Assets 2015: $6,766,2962015Assets 2016: $43,899,030Liabilities 2016: $36,764,147Net Assets 2016: $7,134,8832016Assets 2017: $49,150,937Liabilities 2017: $41,855,992Net Assets 2017: $7,294,9452017Assets 2018: $51,054,112Liabilities 2018: $43,751,467Net Assets 2018: $7,302,6452018Assets 2019: $56,693,695Liabilities 2019: $49,247,657Net Assets 2019: $7,446,0382019Assets 2020: $65,253,827Liabilities 2020: $57,411,898Net Assets 2020: $7,841,9292020Assets 2021: $71,687,831Liabilities 2021: $63,340,484Net Assets 2021: $8,347,3472021Assets 2022: $73,206,978Liabilities 2022: $64,285,487Net Assets 2022: $8,921,4912022Assets 2023: $151,655,245Liabilities 2023: $133,631,850Net Assets 2023: $18,023,3952023Assets 2024: $168,096,833Liabilities 2024: $148,823,438Net Assets 2024: $19,273,3952024

Highlighted filing

2012

Assets$32,488,652
Liabilities$27,412,389
Net Assets$5,076,263
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$10M$5.0M$0Expenses 2010: $1,192,9002010Expenses 2012: $999,5622012Revenue 2015: $1,765,666Expenses 2015: $1,445,892Net Income 2015: $319,7742015Revenue 2016: $2,030,229Expenses 2016: $1,661,642Net Income 2016: $368,5872016Revenue 2017: $2,428,443Expenses 2017: $2,268,381Net Income 2017: $160,0622017Revenue 2018: $2,938,902Expenses 2018: $2,931,202Net Income 2018: $7,7002018Revenue 2019: $3,125,032Expenses 2019: $2,981,639Net Income 2019: $143,3932019Revenue 2020: $3,394,785Expenses 2020: $2,998,894Net Income 2020: $395,8912020Revenue 2021: $3,482,866Expenses 2021: $2,977,448Net Income 2021: $505,4182021Revenue 2022: $3,739,508Expenses 2022: $3,165,364Net Income 2022: $574,1442022Revenue 2023: $7,633,061Expenses 2023: $6,333,061Net Income 2023: $1,300,0002023Revenue 2024: $9,136,574Expenses 2024: $7,886,574Net Income 2024: $1,250,0002024

Highlighted filing

2012

Revenue-
Expenses$999,562
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 23, 2013
Return Version
2012v2.1
Gross Receipts
$1,318,135
Mission and Program Overview

Mission

Cent credit union operates for the primary purpose of promoting thrift, providing credit at reasonable rates, and providing other financial services to its members.

Filing and Contact Details

Filer

EIN
42-0923713
Raw XML AppendixShowing 400 of 410 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/Explanation1CREDIT UNION HAS MEMBERS WHO VOTE FOR DIRECTORS AT ITS ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation2A COPY OF HTE FORM 990 WAS NOT PROVIDED TO THE ORGANIZATION'S GOVERNING BODY BEFORE IT WAS FILED. THE CEO REVIEWS AND SIGNS THE FORM 990.
IRS990ScheduleO/GeneralExplanation/Explanation3REVIEWED AT BOARD MEETINGS.
IRS990ScheduleO/GeneralExplanation/Explanation4THE ORGANIZATION HAS A COMPENSATION COMMITTEE THAT UTILIZES COMPENSATION SURVEYS AND SEEKS THE APPROVAL BY THE BOARD WITH REGARDS TO ESTABLISHING THE ORGANIZATION'S CEO OVERALL COMPENSATION PACKAGE. SPECIFICALLY, BOARD MEMBERS REVIEW THE CUNA SALARY DATA AND COMPLETE A REVIEW QUESTIONAIRE.
IRS990ScheduleO/GeneralExplanation/Explanation5THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANICAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation6UNREALIZED GAIN -3,317.
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ReturnHeader/Filer/USAddress/ZIPCode050401
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02013-04-23
ReturnHeader/Officer/Name0JOHN SHERRICK
ReturnHeader/Officer/Phone06414227361
ReturnHeader/Officer/Title0CEO
ReturnHeader/PreparerFirm/EIN0421186197
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10GARDINER THOMSEN
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1010555 NEW YORK AVENUE SUITE 200

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$32,488,652
Liabilities
$27,412,389
Net assets
$5,076,263
Revenue
-
Expenses
$999,562
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$168$149$19.3$9.14$7.89$1.25
2023Detailed filing. Detailed filing data is available for this year.$152$134$18.0$7.63$6.33$1.30
2022Detailed filing. Detailed filing data is available for this year.$73.2$64.3$8.92$3.74$3.17$0.57
2021Detailed filing. Detailed filing data is available for this year.$71.7$63.3$8.35$3.48$2.98$0.51
2020Detailed filing. Detailed filing data is available for this year.$65.3$57.4$7.84$3.39$3.00$0.40
2019Detailed filing. Detailed filing data is available for this year.$56.7$49.2$7.45$3.13$2.98$0.14
2018Detailed filing. Detailed filing data is available for this year.$51.1$43.8$7.30$2.94$2.93$0.01
2017Detailed filing. Detailed filing data is available for this year.$49.2$41.9$7.29$2.43$2.27$0.16
2016Detailed filing. Detailed filing data is available for this year.$43.9$36.8$7.13$2.03$1.66$0.37
2015Detailed filing. Detailed filing data is available for this year.$40.7$34.0$6.77$1.77$1.45$0.32
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.5$27.4$5.08$1.00
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.7$25.2$4.46$1.19