Civic Intelligence

Apex Financial Credit Union

990 • Fiscal year 2012 • EIN 43-0722467

Jan 01, 2012 to Dec 31, 2012 • Filed on Sep 19, 2013

Organization ProfileWWW.APEXFINANCIALCU.COM

View Organization Page

6401 Stratford Avenue63120
Siviq Scores

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

Liabilities / Assets

31st percentile

0.85x

Higher debt load relative to assets than 31% 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

24th percentile

0.9%

Faster asset growth than 24% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M 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 / Assets31st percentile

Assets

Up

$38,181,178

Up $358,588 (+0.9%) from 2011

Net Assets

Down

$5,570,563

Down $98,385 (-1.7%) from 2011

Liabilities

Up

$32,610,615

Up $456,973 (+1.4%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$2,358,700

Up $40,040 (+1.7%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth24th percentile

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

$40M$30M$20M$10M$0Assets 2010: $36,392,014Liabilities 2010: $30,748,750Net Assets 2010: $5,643,2642010Assets 2011: $37,822,590Liabilities 2011: $32,153,642Net Assets 2011: $5,668,9482011Assets 2012: $38,181,178Liabilities 2012: $32,610,615Net Assets 2012: $5,570,5632012Assets 2013: $37,610,910Liabilities 2013: $32,912,838Net Assets 2013: $4,698,0722013Assets 2014: $37,811,157Liabilities 2014: $33,764,147Net Assets 2014: $4,047,0102014Assets 2015: $37,456,313Liabilities 2015: $33,877,903Net Assets 2015: $3,578,4102015Assets 2016: $37,518,758Liabilities 2016: $34,580,603Net Assets 2016: $2,938,1552016Assets 2017: $0Liabilities 2017: $0Net Assets 2017: $02017

Highlighted filing

2012

Assets$38,181,178
Liabilities$32,610,615
Net Assets$5,570,563
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-$2.0MExpenses 2010: $2,513,7352010Expenses 2011: $2,318,6602011Expenses 2012: $2,358,7002012Revenue 2013: $2,129,496Expenses 2013: $2,562,586Net Income 2013: -$433,0902013Revenue 2014: $1,917,719Expenses 2014: $2,728,771Net Income 2014: -$811,0522014Revenue 2015: $1,856,402Expenses 2015: $2,231,518Net Income 2015: -$375,1162015Revenue 2016: $1,821,535Expenses 2016: $2,262,893Net Income 2016: -$441,3582016Revenue 2017: $1,256,702Expenses 2017: $2,582,621Net Income 2017: -$1,325,9192017

Highlighted filing

2012

Revenue-
Expenses$2,358,700
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Sep 19, 2013
Return Version
2012v2.1
Gross Receipts
$6,762,897
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Major Activities

Activity 2
Provides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2012, there were 2,408 loans outstanding totaling $14,510,269.
Activity 3
Paid dividends on member deposits totaling $149,011 for the year.
Filing and Contact Details

Filer

EIN
43-0722467
Raw XML Appendix380 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/Description0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2012, THERE WERE 2,408 LOANS OUTSTANDING TOTALING $14,510,269.
IRS990/Activity3/Description0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $149,011 FOR THE YEAR.
IRS990/ActivityOrMissionDescription0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS.
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation1THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES EXCEPT FOR CERTAIN PRODUCTS AND SERVICES WHICH HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS) TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE. AS PRESENTED IN TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES IS SUBJECT TO INCOME TAXES UNDER THE UNRELATED BUSINESS INCOME TAX (UBIT) REGULATIONS. IN MANAGEMENT'S OPINION, THE CREDIT UNION HAS NO UNRELATED TAXABLE BUSINESS INCOME AND NO ACCRUAL HAS BEEN RECORDED. TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, THE ESTIMATED LIABILITY FOR ANY POTENTIAL TAX ASSESSMENT WOULD NOT HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/GeneralExplanation/Explanation3THE CFO REVIEWS INFORMATION GATHERED BY THE ACCOUNTING DEPARTMENT AND PROVIDES IT TO THE ACCOUNTING FIRM PREPARING THE FORM 990. UPON COMPLETION, THE PRESIDENT REVIEWS THE RETURN WITH THE CFO AND PRESENTS IT TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation4ON AN ANNUAL BASIS, OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation5THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION BASED ON A WRITTEN EMPLOYMENT CONTRACT AND CUNA SALARY SURVEY. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE PRESIDENT, ALSO USING THE CUNA SALARY SURVEY, AND IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/GeneralExplanation/Explanation6FINANCIAL STATEMENTS ARE PRESENTED AT THE ANNUAL MEETING AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
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ReturnHeader/BuildTS02016-02-24 21:20:13Z
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ReturnHeader/Officer/Phone03143858800
ReturnHeader/Officer/Title0PRESIDENT
ReturnHeader/PreparerFirm/EIN0431887384
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0CHESTERFIELD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode063017
ReturnHeader/Preparer/Phone03142058601
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-09-19T13:38:03-05:00

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
$38,181,178
Liabilities
$32,610,615
Net assets
$5,570,563
Revenue
-
Expenses
$2,358,700
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.26$2.58$1.33
2016Detailed filing. Detailed filing data is available for this year.$37.5$34.6$2.94$1.82$2.26$0.44
2015Detailed filing. Detailed filing data is available for this year.$37.5$33.9$3.58$1.86$2.23$0.38
2014Detailed filing. Detailed filing data is available for this year.$37.8$33.8$4.05$1.92$2.73$0.81
2013Detailed filing. Detailed filing data is available for this year.$37.6$32.9$4.70$2.13$2.56$0.43
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.2$32.6$5.57$2.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.8$32.2$5.67$2.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.4$30.7$5.64$2.51