Civic Intelligence

Community Credit Union

990 • Fiscal year 2011 • EIN 45-0237883

Jan 01, 2011 to Dec 31, 2011 • Filed on May 10, 2012

20 North First Street58356
Siviq Scores

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

Liabilities / Assets

28th percentile

0.88x

Higher debt load relative to assets than 28% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M 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

67th percentile

6.3%

Faster asset growth than 67% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

Up

$148,418,361

Up $8,860,609 (+6.3%) from 2010

Net Assets

Up

$18,140,075

Up $268,806 (+1.5%) from 2010

Liabilities

Up

$130,278,286

Up $8,591,803 (+7.1%) from 2010

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$2,446,099

Down $461,979 (-16%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$200M$150M$100M$50M$0Assets 2010: $139,557,752Liabilities 2010: $121,686,483Net Assets 2010: $17,871,2692010Assets 2011: $148,418,361Liabilities 2011: $130,278,286Net Assets 2011: $18,140,0752011Assets 2012: $161,245,602Liabilities 2012: $142,496,817Net Assets 2012: $18,748,7852012Assets 2013: $166,010,751Liabilities 2013: $146,415,636Net Assets 2013: $19,595,1152013Assets 2014: $162,054,068Liabilities 2014: $141,292,567Net Assets 2014: $20,761,5012014Assets 2015: $162,944,121Liabilities 2015: $141,016,210Net Assets 2015: $21,927,9112015Assets 2016: $167,015,321Liabilities 2016: $144,104,085Net Assets 2016: $22,911,2362016Assets 2017: $163,169,607Liabilities 2017: $139,221,517Net Assets 2017: $23,948,0902017Assets 2018: $164,717,895Liabilities 2018: $139,429,828Net Assets 2018: $25,288,0672018Assets 2019: $173,223,725Liabilities 2019: $146,760,931Net Assets 2019: $26,462,7942019Assets 2020: $184,968,895Liabilities 2020: $157,421,428Net Assets 2020: $27,547,4672020Assets 2021: $192,478,935Liabilities 2021: $164,092,083Net Assets 2021: $28,386,8522021Assets 2022: $188,852,038Liabilities 2022: $159,966,350Net Assets 2022: $28,885,6882022Assets 2023: $179,712,323Liabilities 2023: $150,822,584Net Assets 2023: $28,889,7392023Assets 2024: $174,268,406Liabilities 2024: $145,842,626Net Assets 2024: $28,425,7802024

Highlighted filing

2011

Assets$148,418,361
Liabilities$130,278,286
Net Assets$18,140,075

Operations Trend

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,908,0782010Expenses 2011: $2,446,0992011Revenue 2012: $2,816,670Expenses 2012: $2,207,960Net Income 2012: $608,7102012Revenue 2013: $2,938,983Expenses 2013: $2,092,653Net Income 2013: $846,3302013Revenue 2014: $3,142,937Expenses 2014: $1,976,551Net Income 2014: $1,166,3862014Revenue 2015: $3,079,542Expenses 2015: $1,913,132Net Income 2015: $1,166,4102015Revenue 2016: $2,938,784Expenses 2016: $1,955,459Net Income 2016: $983,3252016Revenue 2017: $3,053,328Expenses 2017: $2,016,474Net Income 2017: $1,036,8542017Revenue 2018: $3,501,531Expenses 2018: $2,161,556Net Income 2018: $1,339,9752018Revenue 2019: $4,292,117Expenses 2019: $3,117,390Net Income 2019: $1,174,7272019Revenue 2020: $3,737,049Expenses 2020: $2,652,376Net Income 2020: $1,084,6732020Revenue 2021: $2,994,395Expenses 2021: $2,155,010Net Income 2021: $839,3852021Revenue 2022: $2,628,740Expenses 2022: $2,129,904Net Income 2022: $498,8362022Revenue 2023: $3,757,347Expenses 2023: $3,753,296Net Income 2023: $4,0512023Revenue 2024: $4,034,090Expenses 2024: $4,748,049Net Income 2024: -$713,9592024

Highlighted filing

2011

Revenue-
Expenses$2,446,099
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 10, 2012
Return Version
2011v1.2
Gross Receipts
$2,714,905
Mission and Program Overview

Mission

Credit union services for approximately 5500 members

Major Activities

Activity 2
SAVINGS FOR MEMBERS
Activity 3
INVESTMENTS
Filing and Contact Details

Filer

EIN
45-0237883
Raw XML Appendix350 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/AccountsPayableAccruedExpenses/BOY0528874
IRS990/AccountsPayableAccruedExpenses/EOY0782818
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IRS990/Activity2/Description0SAVINGS FOR MEMBERS
IRS990/Activity3/Description0INVESTMENTS
IRS990/ActivityOrMissionDescription0CREDIT UNION SERVICES
IRS990/AddressPrincipalOfficerUS/AddressLine10223 3RD AVE S
IRS990/AddressPrincipalOfficerUS/City0NEW ROCKFORD
IRS990/AddressPrincipalOfficerUS/State0ND
IRS990/AddressPrincipalOfficerUS/ZIPCode058356
IRS990/AllOtherExpenses/Total0343398
IRS990/BenefitsPaidToMembersCY00
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IRS990/CashNonInterestBearing/BOY0282361
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IRS990/Description0LOANS TO MEMBERS
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IRS990/Form990PartVIISectionA/AverageHoursPerWeek14
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IRS990/Form990PartVIISectionA/NamePerson2DANNY CARLSON
IRS990/Form990PartVIISectionA/NamePerson3DAN MACK
IRS990/Form990PartVIISectionA/NamePerson4ROYCE TOP
IRS990/Form990PartVIISectionA/NamePerson5DAN ALFSTAD
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IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
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IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
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IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/Title0PRESIDENT
IRS990/Form990PartVIISectionA/Title1CHAIRMAN
IRS990/Form990PartVIISectionA/Title2DIRECTOR
IRS990/Form990PartVIISectionA/Title3SEC-TREAS
IRS990/Form990PartVIISectionA/Title4VICE CHAIR
IRS990/Form990PartVIISectionA/Title5DIRECTOR
IRS990/Form990ProvidedToGoverningBody0false
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
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IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts02714905
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartIX0X
IRS990/InfoInScheduleOPartVI0X
IRS990/Insurance/ProgramServices049800
IRS990/Insurance/Total049800
IRS990/Interest/ProgramServices01105074
IRS990/Interest/Total01105074
IRS990/InvestmentIncomeCurrentYear0844895
IRS990/InvestmentIncomePriorYear01009201
IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome0844895
IRS990/InvestmentIncome/TotalRevenueColumn0844895
IRS990/InvestmentInJointVenture0false
IRS990/LandBldgEquipmentAccumDeprec0216424
IRS990/LandBuildingsEquipmentBasis0451462
IRS990/LandBuildingsEquipmentBasisNet/BOY0235619
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IRS990/LoanToOfficerOrDQP0false
IRS990/LocalChapters0true
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IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0CREDIT UNION SERVICES FOR APPROXIMATELY 6000 MEMBERS
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
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IRS990/NbrIndependentVotingMembers05
IRS990/NbrVotingGoverningBodyMembers05
IRS990/NbrVotingMembersGoverningBody05
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IRS990/NetIncomeFromFundraisingEvents/TotalRevenueColumn00
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith109606000
IRS990/NumberIndependentVotingMembers05
IRS990/NumberOfEmployees013
IRS990/NumberW2GIncluded00
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IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
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IRS990/OtherExpenses/Total119485
IRS990/OtherExpenses/Total222209
IRS990/OtherExpenses/Total351822
IRS990/OtherLiabilities/BOY0121157609
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IRS990/OtherNotesLoansReceivableNet/BOY032844133
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IRS990/OtherRevenueCurrentYear00
IRS990/OtherSalariesAndWages/ProgramServices0356554
IRS990/OtherSalariesAndWages/Total0356554
IRS990/PartialLiquidation0false
IRS990/PoliciesReferenceChapters0true
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY025376
IRS990/PrepaidExpensesDeferredCharges/EOY025695
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenueCY01870010
IRS990/ProgramServiceRevenue/Description0INTEREST ON LOANS
IRS990/ProgramServiceRevenue/Description1FEES AND CHARGES
IRS990/ProgramServiceRevenue/Description2OTHER INCOME
IRS990/ProgramServiceRevenuePriorYear01997586
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome01846749
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome14492
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome218769
IRS990/ProgramServiceRevenue/TotalRevenueColumn01846749
IRS990/ProgramServiceRevenue/TotalRevenueColumn14492
IRS990/ProgramServiceRevenue/TotalRevenueColumn218769
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReconcilationRevenueExpenses0268806
IRS990/RelatedEntity0true
IRS990/RelatedOrgControlledEntity0true
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IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY017871269
IRS990/RetainedEarningsEndowmentEtc/EOY018140075
IRS990/RevenuesLessExpensesCY0268806
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IRS990/SalariesEtcCurrentYear0626679
IRS990/SalariesEtcPriorYear0637217
IRS990/SavingsAndTempCashInvestments/BOY0104887530
IRS990/SavingsAndTempCashInvestments/EOY0114195446
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Buildings/BookValue0167237
IRS990ScheduleD/Buildings/Depreciation0117155
IRS990ScheduleD/Buildings/InvestmentCostOrOtherBasis0284392
IRS990ScheduleD/Equipment/BookValue020245
IRS990ScheduleD/Equipment/Depreciation099269
IRS990ScheduleD/Equipment/InvestmentCostOrOtherBasis0119514
IRS990ScheduleD/ExcessOrDeficitForYear0268806
IRS990ScheduleD/ExcessOrDeficitPerFS0268806
IRS990ScheduleD/IncludedOnFS0false
IRS990ScheduleD/Land/BookValue047556
IRS990ScheduleD/Land/InvestmentCostOrOtherBasis047556
IRS990ScheduleD/OtherLiabilities/Amount01125070
IRS990ScheduleD/OtherLiabilities/Amount135223
IRS990ScheduleD/OtherLiabilities/Description0NCUSIF DEPOSIT
IRS990ScheduleD/OtherLiabilities/Description1ASSETS IN LIQUIDATION
IRS990ScheduleD/TotalExpenses02446099
IRS990ScheduleD/TotalOfAmounts01160293
IRS990ScheduleD/TotalOfBookValueLandBuildings0235038
IRS990ScheduleD/TotalRevenue02714905
IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0PART VI LINE 6
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS OF THE CREDIT UNION ARE OWNERS OF THE CREDIT UNION
IRS990ScheduleO/GeneralExplanation/Explanation2PART VI LINE 7A
IRS990ScheduleO/GeneralExplanation/Explanation3MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS
IRS990ScheduleO/GeneralExplanation/Explanation4PART VI LINE 11
IRS990ScheduleO/GeneralExplanation/Explanation5TAX RETURN IS REVIEWED BY THE PRESIDENT BEFORE FILING
IRS990ScheduleO/GeneralExplanation/Explanation6PART VI LINE 15
IRS990ScheduleO/GeneralExplanation/Explanation7INORMATION IS OBTAINED TO DETERMINE PEER COMPENSATION FOR EACH
IRS990ScheduleO/GeneralExplanation/Explanation8POSITION
IRS990ScheduleO/GeneralExplanation/Explanation9PART VI LINE 19
IRS990ScheduleO/GeneralExplanation/Explanation10INFORMATION IS AVAILABLE UPON REQUEST
IRS990ScheduleO/GeneralExplanation/Explanation11PART IX ALL OTHER EXPENSES LINE 26E
IRS990ScheduleO/GeneralExplanation/Explanation12FEDERAL & STATE EXAM 39,910
IRS990ScheduleO/GeneralExplanation/Explanation13CASH SHORT & OVER -540
IRS990ScheduleO/GeneralExplanation/Explanation14MISCELLANEOUS EXPENSE 22,760
IRS990ScheduleO/GeneralExplanation/Explanation15STABILIZATION EXPENSE 281,268
IRS990/ScheduleORequired0true
IRS990ScheduleR/ExchangeOfAssets0false
IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/AddressLine1020 N 1ST ST
IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/City0NEW ROCKFORD
IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/State0ND
IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/ZIPCode058356
IRS990ScheduleR/Form990ScheduleRPartIV/DirectControllingEntityName/BusinessNameLine10COMMUNITY
IRS990ScheduleR/Form990ScheduleRPartIV/EIN0450404375
IRS990ScheduleR/Form990ScheduleRPartIV/LegalDomicileState0ND
IRS990ScheduleR/Form990ScheduleRPartIV/NameOfRelatedOrg/BusinessNameLine10COMMUNITY CREDIT UNIO
IRS990ScheduleR/Form990ScheduleRPartIV/PercentageOwnership01.00000
IRS990ScheduleR/Form990ScheduleRPartIV/PrimaryActivity0LEASING
IRS990ScheduleR/Form990ScheduleRPartIV/ShareOfEOYAssets012
IRS990ScheduleR/Form990ScheduleRPartIV/TypeOfEntity0C CORP
IRS990ScheduleR/GiftGrantOrCapContrFrOtherOrg0false
IRS990ScheduleR/GiftGrantOrCapContrToOtherOrg0false
IRS990ScheduleR/LoansOrGuaranteesFromOtherOrg0false
IRS990ScheduleR/LoansOrGuaranteesToOtherOrg0false
IRS990ScheduleR/OtherTransferFromOtherOrg0false
IRS990ScheduleR/OtherTransferToOtherOrg0false
IRS990ScheduleR/PerformOfServicesByOtherOrgs0false
IRS990ScheduleR/PerformOfServicesForOtherOrgs0false
IRS990ScheduleR/PurchaseOfAssetsFromOtherOrg0false
IRS990ScheduleR/ReceiptOfIntAnnRentsRoyalties0false
IRS990ScheduleR/ReimbursementPaidByOtherOrg0false
IRS990ScheduleR/ReimbursementPaidToOtherOrg0false
IRS990ScheduleR/RentalOfFacilitiesFrOtherOrgs0false
IRS990ScheduleR/RentalOfFacilitiesToOtherOrgs0false
IRS990ScheduleR/SaleOfAssetsToOtherOrg0false
IRS990ScheduleR/SharingOfFacilities0false
IRS990ScheduleR/SharingOfPaidEmployees0false
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1020 NORTH 1ST ST
IRS990/TheBooksAreInCareOf/AddressUS/City0NEW ROCKFORD
IRS990/TheBooksAreInCareOf/AddressUS/State0ND
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode058356
IRS990/TheBooksAreInCareOf/NamePerson0MARVEL EBENHAHN
IRS990/TheBooksAreInCareOf/TelephoneNumber07019475011
IRS990/TotalAssets/BOY0139557752
IRS990/TotalAssetsBOY0139557752
IRS990/TotalAssets/EOY0148418361
IRS990/TotalAssetsEOY0148418361
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear02446099
IRS990/TotalExpensesPriorYear02908078
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices02446099
IRS990/TotalFunctionalExpenses/Total02446099
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY0121686483
IRS990/TotalLiabilitiesBOY0121686483
IRS990/TotalLiabilities/EOY0130278286
IRS990/TotalLiabilitiesEOY0130278286
IRS990/TotalLiabNetAssetsFundBalances/BOY0139557752
IRS990/TotalLiabNetAssetsFundBalances/EOY0148418361
IRS990/TotalNbrEmployees013
IRS990/TotalNbrVolunteers010
IRS990/TotalNetAssetsFundBalances/BOY017871269
IRS990/TotalNetAssetsFundBalances/EOY018140075
IRS990/TotalOtherCompensation022559
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue01870010
IRS990/TotalReportableCompFromOrg0104004
IRS990/TotalRevenueCurrentYear02714905
IRS990/TotalRevenuePriorYear03006787
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome02714905
IRS990/TotalRevenue/TotalRevenueColumn02714905
IRS990/TransactionRelatedEntity0false
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X
IRS990/WhistleblowerPolicy0false
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0450237883
ReturnHeader/Filer/Name/BusinessNameLine10COMMUNITY CREDIT UNION
ReturnHeader/Filer/NameControl0COMM
ReturnHeader/Filer/Phone07019475011
ReturnHeader/Filer/USAddress/AddressLine1020 NORTH FIRST STREET
ReturnHeader/Filer/USAddress/City0NEW ROCKFORD
ReturnHeader/Filer/USAddress/State0ND
ReturnHeader/Filer/USAddress/ZIPCode058356
ReturnHeader/Officer/AuthorizeThirdParty0false
ReturnHeader/Officer/DateSigned02012-05-10
ReturnHeader/Officer/Name0MARVEL EBENHAHN
ReturnHeader/Officer/Title0PRESIDENT
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10BEN YASGAR CPA LTD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10808 3RD AVE S SUITE 301
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0FARGO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0ND
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0581031865
ReturnHeader/Preparer/Name0BEN YASGAR CPA
ReturnHeader/Preparer/Phone07012324414
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-05-10T18:48:06-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$174$146$28.4$4.03$4.75$0.71
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$180$151$28.9$3.76$3.75$0.00
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$189$160$28.9$2.63$2.13$0.50
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$192$164$28.4$2.99$2.16$0.84
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$185$157$27.5$3.74$2.65$1.08
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$173$147$26.5$4.29$3.12$1.17
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$165$139$25.3$3.50$2.16$1.34
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$163$139$23.9$3.05$2.02$1.04
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$167$144$22.9$2.94$1.96$0.98
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$163$141$21.9$3.08$1.91$1.17
2014Detailed filing. Detailed filing data is available for this year.$162$141$20.8$3.14$1.98$1.17
2013Detailed filing. Detailed filing data is available for this year.$166$146$19.6$2.94$2.09$0.85
2012Summary only. Only limited summary data is available for this year.$161$142$18.7$2.82$2.21$0.61
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$148$130$18.1$2.45
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$140$122$17.9$2.91