Civic Intelligence

Western Cooperative Credit Union

990 • Fiscal year 2012 • EIN 45-0216652

Jan 01, 2012 to Dec 31, 2012 • Filed on Sep 11, 2013

Organization ProfileWCCU.ORG

View Organization Page

1300 Bison Drive58802-2237
Siviq Scores

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

Liabilities / Assets

75th percentile

0.91x

Higher debt load relative to assets than 75% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B 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

79th percentile

9.6%

Faster asset growth than 79% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B 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 / Assets75th percentile

Assets

Up

$310,239,629

Up $27,090,420 (+9.6%) from 2011

Net Assets

Up

$26,729,753

Up $3,892,601 (+17%) from 2011

Liabilities

Up

$283,509,876

Up $23,197,819 (+8.9%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$9,316,274

Down $174,006 (-1.8%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth79th percentile

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

$600M$400M$200M$0Assets 2010: $227,666,631Liabilities 2010: $208,631,885Net Assets 2010: $19,034,7462010Assets 2011: $283,149,209Liabilities 2011: $260,312,057Net Assets 2011: $22,837,1522011Assets 2012: $310,239,629Liabilities 2012: $283,509,876Net Assets 2012: $26,729,7532012Assets 2013: $321,750,379Liabilities 2013: $294,742,754Net Assets 2013: $27,007,6252013Assets 2014: $353,474,049Liabilities 2014: $322,525,895Net Assets 2014: $30,948,1542014Assets 2015: $332,067,470Liabilities 2015: $299,840,069Net Assets 2015: $32,227,4012015Assets 2016: $321,189,051Liabilities 2016: $288,354,352Net Assets 2016: $32,834,6992016Assets 2017: $328,055,442Liabilities 2017: $293,754,526Net Assets 2017: $34,300,9162017Assets 2018: $341,884,280Liabilities 2018: $306,344,509Net Assets 2018: $35,539,7712018Assets 2019: $358,802,224Liabilities 2019: $319,760,098Net Assets 2019: $39,042,1262019Assets 2020: $385,602,569Liabilities 2020: $343,292,857Net Assets 2020: $42,309,7122020Assets 2021: $421,229,193Liabilities 2021: $379,209,745Net Assets 2021: $42,019,4482021Assets 2022: $446,507,146Liabilities 2022: $415,698,354Net Assets 2022: $30,808,7922022Assets 2023: $441,740,431Liabilities 2023: $401,735,941Net Assets 2023: $40,004,4902023Assets 2024: $482,793,811Liabilities 2024: $433,084,542Net Assets 2024: $49,709,2692024

Highlighted filing

2012

Assets$310,239,629
Liabilities$283,509,876
Net Assets$26,729,753
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0Expenses 2010: $8,646,9892010Expenses 2011: $9,490,2802011Expenses 2012: $9,316,2742012Revenue 2013: $13,221,797Expenses 2013: $10,920,486Net Income 2013: $2,301,3112013Revenue 2014: $13,229,821Expenses 2014: $10,349,531Net Income 2014: $2,880,2902014Revenue 2015: $13,233,970Expenses 2015: $11,136,499Net Income 2015: $2,097,4712015Revenue 2016: $12,857,868Expenses 2016: $11,299,293Net Income 2016: $1,558,5752016Revenue 2017: $13,495,962Expenses 2017: $11,658,422Net Income 2017: $1,837,5402017Revenue 2018: $14,713,233Expenses 2018: $12,532,931Net Income 2018: $2,180,3022018Revenue 2019: $15,994,606Expenses 2019: $13,200,773Net Income 2019: $2,793,8332019Revenue 2020: $14,807,052Expenses 2020: $13,229,526Net Income 2020: $1,577,5262020Revenue 2021: $14,078,425Expenses 2021: $12,678,794Net Income 2021: $1,399,6312021Revenue 2022: $16,661,044Expenses 2022: $12,892,014Net Income 2022: $3,769,0302022Revenue 2023: $20,687,023Expenses 2023: $14,639,929Net Income 2023: $6,047,0942023Revenue 2024: $24,455,256Expenses 2024: $16,921,453Net Income 2024: $7,533,8032024

Highlighted filing

2012

Revenue-
Expenses$9,316,274
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Sep 11, 2013
Return Version
2012v2.1
Gross Receipts
$13,441,884
Mission and Program Overview

Mission

Wccu exists for the financial benefit of its members. The purpose shall be to maximize member benefits through cost effective financial services, education consistent with cooperative principles, prudent management, and to maintain a strong presence in our communities.

Filing and Contact Details

Filer

EIN
45-0216652
Raw XML AppendixShowing 400 of 429 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/ActivityOrMissionDescription0WESTERN COOPERATIVE CREDIT UNION EXISTS FOR THE FINANCIAL BENEFIT OF ITS MEMBERS. THE PURPOSE SHALL BE TO MAXIMIZE MEMBER BENEFITS THROUGH COST EFFECTIVE FINANCIAL SERVICES, EDUCATION CONSISTENT WITH COOPERATIVE PRINCIPLES, PRUDENT MANAGEMENT, AND TO MAINTAIN A STRONG PRESENCE IN OUR COMMUNITIES.
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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES. THE INTERNAL REVENUE SERVICE (IRS) AND CERTAIN STATE TAXING AUTHORITIES ARE CURRENTLY REVISITING WHAT, IF ANY, PRODUCTS AND SERVICES PROVIDED BY STATE CHARTERED CREDIT UNIONS ARE SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). THERE IS CURRENTLY VERY LITTLE GUIDANCE IN THE IRS CODE ON WHAT ACTIVITIES SHOULD BE SUBJECT TO UBIT. THE IRS HAS INDICATED THAT THEY ARE STUDYING THE ISSUE AND MAY ISSUE ADDITIONAL GUIDANCE. AS A RESULT, AT THIS TIME THERE IS UNCERTAINTY REGARDING WHETHER STATE CHARTERED CREDIT UNIONS SHOULD PAY INCOME TAX ON CERTAIN TYPES OF NET TAXABLE INCOME FROM ACTIVITIES THAT MAY BE CONSIDERED BY TAXING AUTHORITIES AS UNRELATED TO THE PURPOSE FOR WHICH THE CREDIT UNION WAS GRANTED NON-TAXABLE STATUS. THE 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, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES DEEMED TO BE UNRELATED TO THE CREDIT UNION'S NON-TAXABLE STATUS IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION HAD NO UNRECOGNIZED TAX BENEFITS AS OF DECEMBER 31, 2012 AND 2011. THE CREDIT UNION RECOGNIZED NO INTEREST AND PENALTIES ON THE UNDERPAYMENT OF INCOME TAXES DURING THE YEARS ENDED DECEMBER 31, 2012 AND 2011, AND HAD NO ACCRUED INTEREST AND PENALTIES ON THE BALANCE SHEET AS OF DECEMBER 31, 2012 AND 2011. THE CREDIT UNION HAS NO TAX POSITIONS FOR WHICH IT IS REASONABLY POSSIBLE THAT THE TOTAL AMOUNTS OF ANY UNRECOGNIZED TAX BENEFITS WILL SIGNIFICANTLY INCREASE WITHIN THE NEXT TWELVE MONTHS. THE CREDIT UNION WILL RECOGNIZE FUTURE ACCRUED INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS IN INCOME TAX EXPENSE IF INCURRED. THE CREDIT UNION IS NO LONGER SUBJECT TO FEDERAL TAX EXAMINATIONS BY TAX AUTHORITIES FOR YEARS BEFORE 2009 AND STATE EXAMINATIONS FOR YEARS BEFORE 2009.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0PART X, LINE 2:
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IRS990ScheduleO/GeneralExplanation/Explanation0FOR ANNUAL MEETINGS OR SPECIAL MEETINGS OF MEMBERS, A QUORUM CHANGED FROM 50 MEMBERS TO NOW ONLY 25 MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE ORGANIZATION IS OWNED BY ITS MEMBERS, WHICH ARE CUSTOMERS OF THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation2THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERSHIP.
IRS990ScheduleO/GeneralExplanation/Explanation3ANY DECISION THAT INVOLVES A CHANGE IN THE BYLAWS MUST BE APPROVED BY THE MEMBERSHIP.
IRS990ScheduleO/GeneralExplanation/Explanation4THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE FORM 990 BEFORE IT IS FILED WITH THE IRS.
IRS990ScheduleO/GeneralExplanation/Explanation5ALL BOARD MEMBERS AND EMPLOYEES ARE COVERED BY A WRITTEN CONFLICT OF INTEREST POLICY THAT IS MONITORED BY THE BOARD OF DIRECTORS. EMPLOYEES AND BOARD MEMBERS MUST DISCLOSE FINANCIAL INVESTMENTS THEY OR THEIR IMMEDIATE FAMILY HAVE IN ANY FIRM THAT DOES BUSINESS WITH THE CREDIT UNION OR THAT COMPETES WITH THE CREDIT UNION. ANY CONFLICT OR POTENTIAL CONLICT OF INTEREST MUST BE DISCLOSED AS IT ARISES. THE CREDIT UNION MAY REQUIRE DIVESTITURE OF THE INTEREST IF IT CONSIDERS THE FINANCIAL INTEREST TO BE IN CONFLICT WITH THE BEST INTERESTS OF THE CREDIT UNION. POTENTIAL CONFLICTS ARE REVIEWED AND DETERMINATIONS ARE MADE BY THE PRESIDENT AND BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation6THE BOARD OF DIRECTORS DETERMINES THE LEVEL OF COMPENSATION FOR OFFICERS AND OTHER KEY EMPLOYEES ANNUALLY. THEY USE COMPARATIVE DATA FROM SIMILAR ORGANIZATIONS AND ALSO CONSIDER THE CURRENT ECONOMIC ENVIRONMENT TO ENSURE COMPENSATION IS REASONABLE FOR THE SERVICES PROVIDED.
IRS990ScheduleO/GeneralExplanation/Explanation7THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation8CHANGE IN DEFINED BENEFIT OBLIGATION -309,407.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 4
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PART XI, LINE 9:
IRS990/ScheduleORequired01
IRS990ScheduleR/DividendsRelatedOrganization00
IRS990ScheduleR/ExchangeOfAssets00
IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/AddressLine10PO BOX 2237
IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/City0WILLISTON
IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/State0ND
IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/ZIPCode058802
IRS990ScheduleR/Form990ScheduleRPartIV/ControlledOrg01
IRS990ScheduleR/Form990ScheduleRPartIV/DirectControllingEntityName/BusinessNameLine10WESTERN COOPERATIVE CREDIT UNION
IRS990ScheduleR/Form990ScheduleRPartIV/EIN0450374282
IRS990ScheduleR/Form990ScheduleRPartIV/LegalDomicileState0ND
IRS990ScheduleR/Form990ScheduleRPartIV/NameOfRelatedOrg/BusinessNameLine10CREDIT UNION SERVICE INC
IRS990ScheduleR/Form990ScheduleRPartIV/PercentageOwnership01.00000
IRS990ScheduleR/Form990ScheduleRPartIV/PrimaryActivity0INSURANCE
IRS990ScheduleR/Form990ScheduleRPartIV/ShareOfEOYAssets01080257
IRS990ScheduleR/Form990ScheduleRPartIV/ShareOfTotalIncome0228889
IRS990ScheduleR/Form990ScheduleRPartIV/TypeOfEntity0C
IRS990ScheduleR/GiftGrantOrCapContrFrOtherOrg00
IRS990ScheduleR/GiftGrantOrCapContrToOtherOrg01
IRS990ScheduleR/LoansOrGuaranteesFromOtherOrg00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrg00
IRS990ScheduleR/OtherTransferFromOtherOrg00
IRS990ScheduleR/OtherTransferToOtherOrg00
IRS990ScheduleR/PerformOfServicesByOtherOrgs00
IRS990ScheduleR/PerformOfServicesForOtherOrgs00
IRS990ScheduleR/PurchaseOfAssetsFromOtherOrg00
IRS990ScheduleR/ReceiptOfIntAnnRentsRoyalties00
IRS990ScheduleR/ReimbursementPaidByOtherOrg00
IRS990ScheduleR/ReimbursementPaidToOtherOrg00
IRS990ScheduleR/RentalOfFacilitiesFrOtherOrgs00
IRS990ScheduleR/RentalOfFacilitiesToOtherOrgs00
IRS990ScheduleR/SaleOfAssetsToOtherOrg00
IRS990ScheduleR/SharingOfFacilities00
IRS990ScheduleR/SharingOfPaidEmployees00
IRS990ScheduleR/TransactionsRelatedOrgsTable/AmountInvolved0715588
IRS990ScheduleR/TransactionsRelatedOrgsTable/MethodOfAmtDetermination0ACTUAL
IRS990ScheduleR/TransactionsRelatedOrgsTable/NameOfOtherOrganization/BusinessNameLine10CREDIT UNION SERVICE INC
IRS990ScheduleR/TransactionsRelatedOrgsTable/TransactionType0B
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IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10MELANIE STILLWELL
IRS990/TheBooksAreInCareOf/TelephoneNumber07015724000
IRS990/TotalAssets/BOY0283149209
IRS990/TotalAssetsBOY0283149209
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IRS990/TotalAssetsEOY0310239629
IRS990/TotalCompGT150K01
IRS990/TotalExpensesCurrentYear09316274
IRS990/TotalExpensesPriorYear09490280
IRS990/TotalFunctionalExpenses/Total09316274
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI078428
IRS990/TotalLiabilities/BOY0260312057
IRS990/TotalLiabilitiesBOY0260312057
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IRS990/TotalLiabilitiesEOY0283509876
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IRS990/TotalLiabNetAssetsFundBalances/EOY0310239629
IRS990/TotalNbrEmployees0121
IRS990/TotalNbrVolunteers08
IRS990/TotalNetAssetsFundBalances/BOY022837152
IRS990/TotalNetAssetsFundBalances/EOY026729753
IRS990/TotalOtherCompensation014218
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceRevenue012356248
IRS990/TotalReportableCompFrmRltdOrgs00
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IRS990/TotalRevenueCurrentYear013441884
IRS990/TotalRevenue/ExclusionAmount088971
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IRS990/TotalRevenue/RelatedOrExemptFunctionIncome013274485
IRS990/TotalRevenue/TotalRevenueColumn013441884
IRS990/TotalRevenue/UnrelatedBusinessRevenue078428
IRS990/TransactionRelatedEntity01
IRS990/Travel/Total041076
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0WCCU.ORG
IRS990/WhistleblowerPolicy01

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
$310,239,629
Liabilities
$283,509,876
Net assets
$26,729,753
Revenue
-
Expenses
$9,316,274
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$483$433$49.7$24.5$16.9$7.53
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$442$402$40.0$20.7$14.6$6.05
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$447$416$30.8$16.7$12.9$3.77
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$421$379$42.0$14.1$12.7$1.40
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$386$343$42.3$14.8$13.2$1.58
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$359$320$39.0$16.0$13.2$2.79
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$342$306$35.5$14.7$12.5$2.18
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$328$294$34.3$13.5$11.7$1.84
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$321$288$32.8$12.9$11.3$1.56
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$332$300$32.2$13.2$11.1$2.10
2014Detailed filing. Detailed filing data is available for this year.$353$323$30.9$13.2$10.3$2.88
2013Detailed filing. Detailed filing data is available for this year.$322$295$27.0$13.2$10.9$2.30
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$310$284$26.7$9.32
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$283$260$22.8$9.49
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$228$209$19.0$8.65
Peer Organizations

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