Civic Intelligence

Ray Cooperative Credit Union

EIN 45-0215094 • Ray, ND

View Organization Page

po box 158Ray, ND 58849
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

95th percentile

1.00x

Higher debt load relative to assets than 95% of similar nonprofits.

$10M-$25M nonprofits • Source year 2011

Liabilities / Revenue

99th percentile

68.53x

Higher debt load relative to revenue than 99% of similar nonprofits.

$10M-$25M nonprofits • Source year 2011

Net Margin

11th percentile

-30%

Higher net margin than 11% of similar nonprofits.

$10M-$25M nonprofits • Source year 2011

Top Officer Pay

Score unavailable

No value available

No filing with officer or executive compensation is available for this organization yet.

Asset Growth

92nd percentile

43%

Faster asset growth than 92% of similar nonprofits.

$10M-$25M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

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

Source year 2011

Balance Sheet
Liabilities / Assets95th percentile

Assets

Up

$15,928,227

Up $4,778,713 (+43%) from 2010

Liabilities

Up

$15,998,957

Up $4,735,233 (+42%) from 2010

Net Assets

Up

-$70,730

Up $43,480 (+38%) from 2010

Operations
Liabilities / Revenue99th percentileNet Margin11th percentile

Revenue

$233,454

No earlier filing loaded for comparison.

Expenses

Down

$304,184

Down $40,790 (-12%) from 2010

Net Income

-$70,730

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth92nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$20M$15M$10M$5.0M$0-$5.0MAssets 2010: $11,149,514Liabilities 2010: $11,263,724Net Assets 2010: -$114,2102010Assets 2011: $15,928,227Liabilities 2011: $15,998,957Net Assets 2011: -$70,7302011

Highlighted filing

2011

Assets$15,928,227
Liabilities$15,998,957
Net Assets-$70,730
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income by year, with the latest filing highlighted.

$400K$200K$0-$200KExpenses 2010: $344,9742010Revenue 2011: $233,454Expenses 2011: $304,184Net Income 2011: -$70,7302011

Highlighted filing

2011

Revenue$233,454
Expenses$304,184
Net Income-$70,730
Open 2011 Filing

Filings

Most recent year

2011 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$15,928,227
Liabilities
$15,998,957
Net assets
-$70,730
Revenue
$233,454
Expenses
$304,184
Net income
-$70,730
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2011Summary only. Only limited summary data is available for this year.$15.9$16.0$0.07$0.23$0.30$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.1$11.3$0.11$0.34
Latest Detailed Filing

The latest 2011 filing currently has summary financial data only. Showing the latest detailed filing from 2010 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Jan 4, 1011
Return Version
2010v3.2
Gross Receipts
$231,647
Filing and Contact Details

Filer

EIN
45-0215094
Raw XML AppendixShowing 400 of 467 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/Explanation0the members elect the members of the governing body the members may receive a share of the organization's profits or excess dues, or a share of the organization's net assets upon the organization's dissolution.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS
IRS990ScheduleO/GeneralExplanation/Explanation2Board of directors shall be elected by the members of this credit union at a annual meeting. and any vacancy on the board of director, or credit committee, shall be filled by vote of a majority of the board of director, but the member so elected shall hold office only until the qualification of a director or a committee memmber who shall be elected to complete the unexpired term at the next annual meeting of the members of this credit union
IRS990ScheduleO/GeneralExplanation/Explanation3bruce bergstrom 11653 hwy 2 ray, nd 58849 mike pepple po box 571 ray, nd 58849 ronald anderson po box 66 ray, nd 58849 heather feiring po box 75 epping nd 58843 darryl hill po box 75 ray, nd 58849 Aaron soine 420 score street ray nd 58849
IRS990ScheduleO/GeneralExplanation/Explanation4An employee fills out form 990 and then the manager reviews the form before sending in
IRS990ScheduleO/GeneralExplanation/Explanation5The managers compensation is determined by the board of director, and if information is available the directors will compare to other credit union.
IRS990ScheduleO/GeneralExplanation/Explanation6available to the public upon request by members
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IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section A, Line 9
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IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section B, Line 15
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