Civic Intelligence

CIVIC Central Credit Union

990 • Fiscal year 2011 • EIN 44-0524890

Jan 01, 2011 to Dec 31, 2011 • Filed on May 21, 2012

Organization ProfileWWW.EMPSECCU.ORG

View Organization Page

400 East Miller65102
Siviq Scores

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

Liabilities / Assets

21st percentile

0.86x

Higher debt load relative to assets than 21% of similar nonprofits.

2011 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

Score unavailable

No value available

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

Source year 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets21st percentile

Assets

$55,579,147

No earlier filing loaded for comparison.

Net Assets

$7,713,114

No earlier filing loaded for comparison.

Liabilities

$47,866,033

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$1,746,738

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.

$100M$50M$0Assets 2011: $55,579,147Liabilities 2011: $47,866,033Net Assets 2011: $7,713,1142011Assets 2012: $58,772,600Liabilities 2012: $50,850,671Net Assets 2012: $7,921,9292012Assets 2013: $59,433,108Liabilities 2013: $52,477,663Net Assets 2013: $6,955,4452013Assets 2014: $62,566,324Liabilities 2014: $54,854,467Net Assets 2014: $7,711,8572014Assets 2015: $65,726,375Liabilities 2015: $57,904,206Net Assets 2015: $7,822,1692015Assets 2016: $67,822,664Liabilities 2016: $59,937,464Net Assets 2016: $7,885,2002016Assets 2017: $71,104,026Liabilities 2017: $63,110,159Net Assets 2017: $7,993,8672017Assets 2018: $71,806,649Liabilities 2018: $63,668,499Net Assets 2018: $8,138,1502018Assets 2019: $75,057,726Liabilities 2019: $65,419,859Net Assets 2019: $9,637,8672019Assets 2020: $85,029,080Liabilities 2020: $74,473,886Net Assets 2020: $10,555,1942020Assets 2021: $91,445,664Liabilities 2021: $81,478,701Net Assets 2021: $9,966,9632021Assets 2022: $89,338,496Liabilities 2022: $82,460,265Net Assets 2022: $6,878,2312022Assets 2023: $86,545,528Liabilities 2023: $77,912,259Net Assets 2023: $8,633,2692023Assets 2024: $91,773,806Liabilities 2024: $81,387,442Net Assets 2024: $10,386,3642024

Highlighted filing

2011

Assets$55,579,147
Liabilities$47,866,033
Net Assets$7,713,114
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2011: $1,746,7382011Expenses 2012: $1,676,4502012Revenue 2013: $1,800,848Expenses 2013: $1,574,028Net Income 2013: $226,8202013Revenue 2014: $1,687,317Expenses 2014: $1,510,023Net Income 2014: $177,2942014Revenue 2015: $1,731,535Expenses 2015: $1,526,339Net Income 2015: $205,1962015Revenue 2016: $1,760,288Expenses 2016: $1,501,222Net Income 2016: $259,0662016Revenue 2017: $1,832,758Expenses 2017: $1,563,047Net Income 2017: $269,7112017Revenue 2018: $2,064,264Expenses 2018: $1,716,564Net Income 2018: $347,7002018Revenue 2019: $2,367,001Expenses 2019: $1,821,189Net Income 2019: $545,8122019Revenue 2020: $2,290,163Expenses 2020: $1,820,201Net Income 2020: $469,9622020Revenue 2021: $2,279,163Expenses 2021: $1,983,302Net Income 2021: $295,8612021Revenue 2022: $2,456,077Expenses 2022: $2,024,409Net Income 2022: $431,6682022Revenue 2023: $3,136,877Expenses 2023: $2,238,424Net Income 2023: $898,4532023Revenue 2024: $3,813,191Expenses 2024: $2,727,966Net Income 2024: $1,085,2252024

Highlighted filing

2011

Revenue-
Expenses$1,746,738
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 21, 2012
Return Version
2011v1.2
Gross Receipts
$2,038,775
Mission and Program Overview

Mission

Cooperative provider of financial services

Filing and Contact Details

Filer

EIN
44-0524890
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IRS990ScheduleO/GeneralExplanation/Explanation0FINANCIAL STATEMENTS ARE DISPLAYED FOR THE PUBLIC AT THE OFFICE. THE CALL REPORT IS POSTED ON THE NCUA'S WEBSITE. THE GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/GeneralExplanation/Explanation1THIS RESPONSE APPLIES TO BOTH 15a and 15b:Merit increases for the President shall be determined by the Board of Directors annually based on a performance review by a committee appointed by the Board Chairman.*Effective 10-1-10 annual cost of living increases for Employment Security Credit Union employees shall be the same as the cost of living increases given to the employees of the Division of Employment Security with the same effective date with the approval of the Board of Directors. The President shall determine staffing needs annually and present the salary plan to the Board to be acted on as part of the annual budget.Each employee will complete the STAR program within 15 months of hire date. Current employees (at time of adoption) will complete the STAR program within 12 months. Attendance at Chapter meeting is encouraged.PAY RANGES. Clarified that effective 1/1/96 all salaries would be adjusted to conform to the new pay scale adopted 11/16/95. Schedule last amended with additional positions 8/22/96 and last revised for cost of living allowances 7/1/10.
IRS990ScheduleO/GeneralExplanation/Explanation2A COPY OF THE 990 IS PROVIDED TO THE BOARD FOR THEIR REVIEW.
IRS990ScheduleO/GeneralExplanation/Explanation3MEMBERS MAY DECIDE ON ANY MATTER OF INTEREST TO THE CREDIT UNION, AMEND THE BYLAWS RELATING TO QUALIFICATIONS FOR MEMBERSHIP, THE ELECTION OR APPOINTMENT OF THE SUPERVISORY COMMITTEE, DETERMINE THE REQUIREMENTS FOR A CREDIT COMMITTEE AND IF SUCH COMMITTEE SHOULD BE ELECTED OR APPOINTED, AND OVERRULE THE DIRECTORS ON ANY MATTER CONCERING THE GUIDELINES FOR FUTURE PLANS AND OBJECTIVES.
IRS990ScheduleO/GeneralExplanation/Explanation4BY MAJORITY VOTE OF THE MEMBERSHIP.
IRS990ScheduleO/GeneralExplanation/Explanation5ANY FORMER OR CURRENT EMPLOYEE OF THE MISSOURI DIVISION OF EMPLOYMENT SECURITY OR FAMILY MEMBERS OF THE EMPLOYEES ARE CONSIDERED MEMBERS ONCE THEY THEY HAVE OPENED AN ACCOUNT WITH THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Line 15b
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 11
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 7b
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990, Part VI, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 11: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
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IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10400 EAST MILLER
IRS990/TheBooksAreInCareOf/AddressUS/City0JEFFERSON CITY
IRS990/TheBooksAreInCareOf/AddressUS/State0MO
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode065102
IRS990/TheBooksAreInCareOf/NamePerson0BILL MUSTAIN
IRS990/TheBooksAreInCareOf/TelephoneNumber05736365338
IRS990/TotalAssets/BOY052531825
IRS990/TotalAssetsBOY052531825
IRS990/TotalAssets/EOY055579147
IRS990/TotalAssetsEOY055579147
IRS990/TotalCompGT150K0false
IRS990/TotalContributions00
IRS990/TotalExpensesCurrentYear01746738
IRS990/TotalExpensesPriorYear01936624
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total01746738
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
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IRS990/TotalLiabilitiesBOY045207735
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IRS990/TotalLiabilitiesEOY047866033
IRS990/TotalLiabNetAssetsFundBalances/BOY052531825
IRS990/TotalLiabNetAssetsFundBalances/EOY055579147
IRS990/TotalNbrEmployees011
IRS990/TotalNetAssetsFundBalances/BOY07324090
IRS990/TotalNetAssetsFundBalances/EOY07713114
IRS990/TotalOtherCompensation059401
IRS990/TotalOtherRevenue010879
IRS990/TotalProfFundrsngExpCY00
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IRS990/TotalReportableCompFromOrg074962
IRS990/TotalRevenueCurrentYear02038775
IRS990/TotalRevenue/ExclusionAmount0922496

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$55,579,147
Liabilities
$47,866,033
Net assets
$7,713,114
Revenue
-
Expenses
$1,746,738
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$91.8$81.4$10.4$3.81$2.73$1.09
2023Detailed filing. Detailed filing data is available for this year.$86.5$77.9$8.63$3.14$2.24$0.90
2022Detailed filing. Detailed filing data is available for this year.$89.3$82.5$6.88$2.46$2.02$0.43
2021Detailed filing. Detailed filing data is available for this year.$91.4$81.5$9.97$2.28$1.98$0.30
2020Detailed filing. Detailed filing data is available for this year.$85.0$74.5$10.6$2.29$1.82$0.47
2019Detailed filing. Detailed filing data is available for this year.$75.1$65.4$9.64$2.37$1.82$0.55
2018Detailed filing. Detailed filing data is available for this year.$71.8$63.7$8.14$2.06$1.72$0.35
2017Detailed filing. Detailed filing data is available for this year.$71.1$63.1$7.99$1.83$1.56$0.27
2016Detailed filing. Detailed filing data is available for this year.$67.8$59.9$7.89$1.76$1.50$0.26
2015Detailed filing. Detailed filing data is available for this year.$65.7$57.9$7.82$1.73$1.53$0.21
2014Detailed filing. Detailed filing data is available for this year.$62.6$54.9$7.71$1.69$1.51$0.18
2013Detailed filing. Detailed filing data is available for this year.$59.4$52.5$6.96$1.80$1.57$0.23
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.8$50.9$7.92$1.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.6$47.9$7.71$1.75