Civic Intelligence

Community Credit Union

990 • Fiscal year 2014 • EIN 45-0237883

Jan 01, 2014 to Dec 31, 2014 • Filed on May 12, 2015

Organization Profile

View Organization Page

20 North First StreetNew Rockford, ND 58356

(701) 947-5011

Siviq Scores

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

Liabilities / Assets

28th percentile

0.87x

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

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

99th percentile

44.96x

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

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

98th percentile

37%

Higher net margin than 98% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

16th percentile

$133,630

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 4.3% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

3rd percentile

-2.4%

Faster asset growth than 3% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

79th percentile

6.9%

Faster revenue growth than 79% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets28th percentile

Assets

Down

$162,054,068

Down $3,956,683 (-2.4%) from 2013

Net Assets

Up

$20,761,501

Up $1,166,386 (+6.0%) from 2013

Liabilities

Down

$141,292,567

Down $5,123,069 (-3.5%) from 2013

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin98th percentile

Revenue

Up

$3,142,937

Up $203,954 (+6.9%) from 2013

Expenses

Down

$1,976,551

Down $116,102 (-5.5%) from 2013

Net Income

Up

$1,166,386

Up $320,056 (+38%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

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

2014

Assets$162,054,068
Liabilities$141,292,567
Net Assets$20,761,501
Open 2014 Filing

Operations Trend

Revenue Growth79th percentile

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

2014

Revenue$3,142,937
Expenses$1,976,551
Net Income$1,166,386
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 12, 2015
Return Version
2014v5.0
Gross Receipts
$3,142,937
Mission and Program Overview

Mission

Credit union services for approximately 5500 members

CREDIT UNION SERVICES

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$114,397,921$114,014,062▼ $383,859
Other Notes and Loans Receivable, Net$29,565,638$29,813,488▲ $247,850
Rtn Earn Endowment Incm Other Fnds$19,595,115$20,761,501▲ $1,166,386
Savings and Temporary Cash Investments$17,172,878$16,297,337▼ $875,541
Cash and Non-Interest-Bearing Accounts$3,340,983$426,173▼ $2,914,810
Land, Buildings, and Equipment, Net$214,713$219,579▲ $4,866
Prepaid Expenses and Deferred Charges$26,763$30,213▲ $3,450
Total Assets$166,010,751$162,054,068▼ $3,956,683
Other Assets Total$1,291,855$1,253,216▼ $38,639
Liabilities
Other Liabilities$145,769,488$140,229,705▼ $5,539,783
Accounts Payable and Accrued Expenses$646,148$1,062,862▲ $416,714
Total Liabilities$146,415,636$141,292,567▼ $5,123,069
Net Assets / Fund Balance
Total Net Assets Fund Balance$19,595,115$20,761,501▲ $1,166,386
Total Liabilities and Net Assets / Fund Balance$166,010,751$162,054,068▼ $3,956,683

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$152,047$138,131-
Land$47,556--
Equipment$19,976$117,532-
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
M EbenhahnPresidentFT$107,140$26,490$133,630

Board Members and Trustees

NameTitle
T OttoChairman
D CarlsonVice Chairman
D JenrichDirector
R LangleyDirector
D MackSec Treas
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,444,639
Investment Income
$1,698,298
Other Revenue
$0
Change in Net Assets
$1,166,386
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,301,143
Salaries, Compensation, and Employee Benefits$675,408
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$893,688--$893,688
Other Salaries and Wages$392,449--$392,449
Office Expenses$190,291--$190,291
Other Employee Benefits$175,819--$175,819
Current Officers, Directors, Trustees, and Key Employees$107,140--$107,140
All Other Expenses$51,225--$51,225
Insurance$49,357--$49,357
Occupancy$29,330--$29,330
Depreciation Depletion$13,953--$13,953
Conferences and Meetings$10,981--$10,981
Other Expenses---$93
Total Functional Expenses$1,976,551$0$0$1,976,551
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$140,229,705
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Line 6

“Members of the credit union are owners of the credit union”

Part VI Line 7A

“Members of the credit union elect the board of directors”

Part VI Line 11

“Tax return is reviewed by the president before filing”

Part VI Line 15

“Information is obtained to determine peer compensation”

Part VI Line 19

“Information is available upon requiest”

Filing and Contact Details

Filer

Filer Name
Community Credit Union
EIN
45-0237883
Phone
7019475011
Address
20 NORTH FIRST STREET, NEW ROCKFORD, ND 58356

Signing Officer

Name
Marvel Ebenhahn
Title
President
Signed
2015-05-12
Discuss with paid preparer
No

Organization Details

Principal Officer
Terry Otto
Formed
1942
Legal Domicile
Nd
Voting Board Members
5
Independent Board Members
5
Employees
13

Preparer

Firm
Ben Yasgar CPA Ltd
Address
808 3RD AVE S SUITE 301, FARGO, ND 58103-1865
Preparer
Ben Yasgar CPA
Phone
7012324414
Raw XML Appendix354 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/SupplementalInformationDetail/ExplanationTxt0MEMBERS OF THE CREDIT UNION ARE OWNERS OF THE CREDIT UNION
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2TAX RETURN IS REVIEWED BY THE PRESIDENT BEFORE FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3INFORMATION IS OBTAINED TO DETERMINE PEER COMPENSATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4INFORMATION IS AVAILABLE UPON REQUIEST
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IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd0false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingEntityName/BusinessNameLine1Txt0COMMUNITY
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EIN0450404375
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EntityTypeTxt0C CORP
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/LegalDomicileStateCd0ND
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/OwnershipPct01.00000
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt0LEASING
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0COMMUNITY CREDIT UNIO
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ShareOfEOYAssetsAmt012
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt020 N 1ST ST
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/CityNm0NEW ROCKFORD
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/StateAbbreviationCd0ND
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/ZIPCd058356
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd0false
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0false
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0false
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0false
IRS990ScheduleR/TransferFromOtherOrgInd0false
IRS990ScheduleR/TransferToOtherOrgInd0false
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0166010751
IRS990/TotalAssetsEOYAmt0162054068
IRS990/TotalAssetsGrp/BOYAmt0166010751
IRS990/TotalAssetsGrp/EOYAmt0162054068
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01976551
IRS990/TotalFunctionalExpensesGrp/TotalAmt01976551
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0146415636
IRS990/TotalLiabilitiesEOYAmt0141292567
IRS990/TotalLiabilitiesGrp/BOYAmt0146415636
IRS990/TotalLiabilitiesGrp/EOYAmt0141292567
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt019595115
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt020761501
IRS990/TotalOtherCompensationAmt026490
IRS990/TotalProgramServiceRevenueAmt01444639
IRS990/TotalReportableCompFromOrgAmt0107140
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03142937
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03142937
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0166010751
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0162054068
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt0223 3RD AVE SO
IRS990/USAddress/CityNm0NEW ROCKFORD
IRS990/USAddress/StateAbbreviationCd0ND
IRS990/USAddress/ZIPCd058356
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0MARVEL EBENHAHN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0450237883
ReturnHeader/Filer/PhoneNum07019475011
ReturnHeader/Filer/USAddress/AddressLine1Txt020 NORTH FIRST STREET
ReturnHeader/Filer/USAddress/CityNm0NEW ROCKFORD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0ND
ReturnHeader/Filer/USAddress/ZIPCd058356
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0450470900
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BEN YASGAR CPA LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0808 3RD AVE S SUITE 301
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0FARGO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0ND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0581031865
ReturnHeader/PreparerPersonGrp/PhoneNum07012324414
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BEN YASGAR CPA
ReturnHeader/ReturnTs02015-08-10T15:15:51-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$162,054,068
Liabilities
$141,292,567
Net assets
$20,761,501
Revenue
$3,142,937
Expenses
$1,976,551
Net income
$1,166,386
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2014 filings • 501(c)14 • $100M-$250M nonprofits