Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 42-0985062

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 06, 2014

Organization ProfileWWW.THREEICREDITUNION.COM

View Organization Page

3001 Sylvania Drive52601

(319) 752-6332

Siviq Scores

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

Liabilities / Assets

96th percentile

0.93x

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

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

51st percentile

19.13x

Higher debt load relative to revenue than 51% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

4th percentile

-67%

Higher net margin than 4% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

11th percentile

-5.8%

Faster asset growth than 11% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Balance Sheet
Liabilities / Assets96th percentile

Assets

Down

$7,380,741

Down $451,179 (-5.8%) from 2012

Net Assets

Down

$485,021

Down $240,875 (-33%) from 2012

Liabilities

Down

$6,895,720

Down $210,304 (-3.0%) from 2012

Revenue And Expenses
Liabilities / Revenue51st percentileNet Margin4th percentile

Revenue

$360,394

No earlier filing loaded for comparison.

Expenses

Up

$601,269

Up $160,193 (+36%) from 2012

Net Income

-$240,875

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.

$8.0M$6.0M$4.0M$2.0M$0Assets 2012: $7,831,920Liabilities 2012: $7,106,024Net Assets 2012: $725,8962012Assets 2013: $7,380,741Liabilities 2013: $6,895,720Net Assets 2013: $485,0212013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2013

Assets$7,380,741
Liabilities$6,895,720
Net Assets$485,021
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0-$500KExpenses 2012: $441,0762012Revenue 2013: $360,394Expenses 2013: $601,269Net Income 2013: -$240,8752013Revenue 2014: $318,309Expenses 2014: $463,252Net Income 2014: -$144,9432014

Highlighted filing

2013

Revenue$360,394
Expenses$601,269
Net Income-$240,875
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 6, 2014
Return Version
2013v3.0
Gross Receipts
$360,394
Mission and Program Overview

Mission

Threee i credit union offers financial products to their members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,367,877$3,471,874▼ $896,003
Savings and Temporary Cash Investments$1,800,000$2,148,000▲ $348,000
Cash and Non-Interest-Bearing Accounts$1,414,083$1,524,663▲ $110,580
Pd in Cap Srpls Land Bldg Eqp Fund$660,000$460,000▼ $200,000
Land, Buildings, and Equipment, Net$129,206$127,770▼ $1,436
Investments Program Related$67,830$71,939▲ $4,109
Rtn Earn Endowment Incm Other Fnds$65,896$25,021▼ $40,875
Prepaid Expenses and Deferred Charges$12,496$7,472▼ $5,024
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$7,831,920$7,380,741▼ $451,179
Other Assets Total$40,428$29,023▼ $11,405
Liabilities
Other Liabilities$7,080,943$6,870,782▼ $210,161
Accounts Payable and Accrued Expenses$25,081$24,938▼ $143
Total Liabilities$7,106,024$6,895,720▼ $210,304
Net Assets / Fund Balance
Total Net Assets Fund Balance$725,896$485,021▼ $240,875
Total Liabilities and Net Assets / Fund Balance$7,831,920$7,380,741▼ $451,179

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$71,718$167,362$239,080
Equipment$13,415$55,811$69,226
Land$42,637-$42,637
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Barb GerstCEOFT$49,239$49,239

Board Members and Trustees

NameTitle
Vince CopelandChairman
Alan GerstDirector
Bob GillisDirector
Diane LeeDirector
Roger LeeDirector
Lisa WalenczakSecretary
Mitchell DillTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$251,400
Investment Income
$20,809
Other Revenue
$88,185
Change in Net Assets
$-240,875
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$462,819
Salaries, Compensation, and Employee Benefits$138,450
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$78,506--$78,506
Current Officers, Directors, Trustees, and Key Employees$49,239--$49,239
Other Expenses$23,812--$23,812
Occupancy$22,332--$22,332
All Other Expenses$17,222--$17,222
Insurance$13,087--$13,087
Depreciation Depletion$12,614--$12,614
Office Expenses$12,188--$12,188
Payroll Taxes$9,956--$9,956
Interest$9,875--$9,875
Fees for Services Legal$7,059--$7,059
Payments to Affiliates$5,074--$5,074
Advertising$3,422--$3,422
Travel$2,161--$2,161
Other Employee Benefits$749--$749
Total Functional Expenses$601,269$0$0$601,269
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares$6,870,782
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Alan gerst who sits on the board as a director is related to barb gest who is the ceo of the organization.”

Form 990, Part VI, Section A, Line 6

“The organization has 2080 voting members.”

Form 990, Part VI, Section A, Line 7A

“Board of directors are elected by the membership at their annual meetings.”

Form 990, Part VI, Section A, Line 7B

“Membership has the right to vote on mergers or changes made to the organization's by laws.”

Form 990, Part VI, Section B, Line 11

“A copy of form 990 was not provided to the organization's governing body before it was filed. The ceo reviews the return.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents and financial statements available to the public by posting them in the front lobby or upon request.”

Filing and Contact Details

Filer

EIN
42-0985062
Phone
3197526332

Signing Officer

Name
Barbara Gerst
Title
CEO
Phone
3197526332
Signed
2014-08-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Barbara Gerst
Formed
1963
Legal Domicile
Ia
Voting Board Members
7
Independent Board Members
7
Employees
5
Volunteers
0

Preparer

Preparer
C L Telk Jr CPA
Phone
5152701446
Raw XML Appendix364 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.

Path#Value
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IRS990/AdvertisingGrp/TotalAmt03422
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IRS990/AllOtherExpensesGrp/TotalAmt017222
IRS990/BackupWthldComplianceInd01
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IRS990/BooksInCareOfDetail/PhoneNum03197526332
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IRS990/BooksInCareOfDetail/USAddress/City0BURLINGTON
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
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IRS990/Form990PartVIISectionAGrp/PersonNm4ROGER LEE
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01963
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IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
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IRS990/IndivRcvdGreaterThan100KCnt00
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt020809
IRS990/InvestmentInJointVentureInd00
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IRS990/MissionDesc0THREEE I CREDIT UNION OFFERS FINANCIAL PRODUCTS TO THEIR MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt0485021
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
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IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
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IRS990/PartialLiquidationInd00
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IRS990/PoliticalCampaignActyInd00
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt01800000
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IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt071718
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IRS990ScheduleD/EquipmentGrp/BookValueAmt013415
IRS990ScheduleD/EquipmentGrp/DepreciationAmt055811
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt069226
IRS990ScheduleD/LandGrp/BookValueAmt042637
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt042637
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06870782
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0127770
IRS990ScheduleD/TotalLiabilityAmt06870782
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALAN GERST WHO SITS ON THE BOARD AS A DIRECTOR IS RELATED TO BARB GEST WHO IS THE CEO OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS 2080 VOTING MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERSHIP AT THEIR ANNUAL MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MEMBERSHIP HAS THE RIGHT TO VOTE ON MERGERS OR CHANGES MADE TO THE ORGANIZATION'S BY LAWS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A COPY OF FORM 990 WAS NOT PROVIDED TO THE ORGANIZATION'S GOVERNING BODY BEFORE IT WAS FILED. THE CEO REVIEWS THE RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC BY POSTING THEM IN THE FRONT LOBBY OR UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
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IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt07831920
IRS990/TotalAssetsEOYAmt07380741
IRS990/TotalAssetsGrp/BOYAmt07831920
IRS990/TotalAssetsGrp/EOYAmt07380741
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0601269
IRS990/TotalFunctionalExpensesGrp/TotalAmt0601269
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07106024
IRS990/TotalLiabilitiesEOYAmt06895720
IRS990/TotalLiabilitiesGrp/BOYAmt07106024
IRS990/TotalLiabilitiesGrp/EOYAmt06895720
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0725896
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0485021
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0601269
IRS990/TotalProgramServiceRevenueAmt0251400
IRS990/TotalReportableCompFromOrgAmt049239
IRS990/TotalRevenueGrp/ExclusionAmt020809
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0339585
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0360394
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07831920
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07380741
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt02161
IRS990/TravelGrp/TotalAmt02161
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine103001 SYLVANIA DRIVE
IRS990/USAddress/City0BURLINGTON
IRS990/USAddress/State0IA
IRS990/USAddress/ZIPCode052601
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.THREEICREDITUNION.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0BARBARA GERST
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03197526332
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-06
ReturnHeader/Filer/BusinessName/BusinessNameLine10THREE I CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0THRE
ReturnHeader/Filer/EIN0420985062
ReturnHeader/Filer/PhoneNum03197526332
ReturnHeader/Filer/USAddress/AddressLine103001 SYLVANIA DRIVE
ReturnHeader/Filer/USAddress/City0BURLINGTON
ReturnHeader/Filer/USAddress/State0IA
ReturnHeader/Filer/USAddress/ZIPCode052601
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0421186197
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10GARDINER THOMSEN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1010555 NEW YORK AVENUE SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0DES MOINES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode050322
ReturnHeader/PreparerPersonGrp/PhoneNum05152701446
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0C L TELK JR CPA
ReturnHeader/ReturnTs02014-08-06T14:20:15-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,380,741
Liabilities
$6,895,720
Net assets
$485,021
Revenue
$360,394
Expenses
$601,269
Net income
-$240,875
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.32$0.46$0.14
2013Detailed filing. Detailed filing data is available for this year.$7.38$6.90$0.49$0.36$0.60$0.24
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.83$7.11$0.73$0.44