Civic Intelligence

Community Credit Union

990 • Fiscal year 2015 • EIN 45-0237883

Jan 01, 2015 to Dec 31, 2015 • Filed on Jun 22, 2016

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

21st percentile

0.87x

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

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

99th percentile

45.79x

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

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

98th percentile

38%

Higher net margin than 98% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

14th percentile

$135,477

Higher top officer pay than 14% of similar nonprofits.

Top officer pay equals 4.4% of source-year revenue.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Asset Growth

11th percentile

0.5%

Faster asset growth than 11% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

16th percentile

-2.0%

Faster revenue growth than 16% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets21st percentile

Assets

Up

$162,944,121

Up $890,053 (+0.5%) from 2014

Net Assets

Up

$21,927,911

Up $1,166,410 (+5.6%) from 2014

Liabilities

Down

$141,016,210

Down $276,357 (-0.2%) from 2014

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin98th percentile

Revenue

Down

$3,079,542

Down $63,395 (-2.0%) from 2014

Expenses

Down

$1,913,132

Down $63,419 (-3.2%) from 2014

Net Income

Up

$1,166,410

Up $24 (+0.0%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth11th 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

2015

Assets$162,944,121
Liabilities$141,016,210
Net Assets$21,927,911
Open 2015 Filing

Operations Trend

Revenue Growth16th 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

2015

Revenue$3,079,542
Expenses$1,913,132
Net Income$1,166,410
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jun 22, 2016
Return Version
2015v2.1
Gross Receipts
$3,079,542
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$114,014,062$108,355,988▼ $5,658,074
Other Notes and Loans Receivable, Net$29,813,488$27,755,853▼ $2,057,635
Savings and Temporary Cash Investments$16,297,337$24,920,822▲ $8,623,485
Rtn Earn Endowment Incm Other Fnds$20,761,501$21,927,911▲ $1,166,410
Cash and Non-Interest-Bearing Accounts$426,173$453,384▲ $27,211
Land, Buildings, and Equipment, Net$219,579$216,565▼ $3,014
Prepaid Expenses and Deferred Charges$30,213$35,387▲ $5,174
Total Assets$162,054,068$162,944,121▲ $890,053
Other Assets Total$1,253,216$1,206,122▼ $47,094
Liabilities
Other Liabilities$140,229,705$140,004,165▼ $225,540
Accounts Payable and Accrued Expenses$1,062,862$1,012,045▼ $50,817
Total Liabilities$141,292,567$141,016,210▼ $276,357
Net Assets / Fund Balance
Total Net Assets Fund Balance$20,761,501$21,927,911▲ $1,166,410
Total Liabilities and Net Assets / Fund Balance$162,054,068$162,944,121▲ $890,053

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$145,052$145,126-
Land$47,556--
Equipment$23,957$124,361-
Compensation and Service Providers
Top Officer Pay14th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
M EbenhahnPresidentFT$109,264$26,213$135,477

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
$1,335,640
Investment Income
$1,743,902
Other Revenue
$0
Change in Net Assets
$1,166,410
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,209,821
Salaries, Compensation, and Employee Benefits$703,311
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$844,852--$844,852
Other Salaries and Wages$406,922--$406,922
All Other Expenses$109,595--$109,595
Current Officers, Directors, Trustees, and Key Employees$109,264--$109,264
Other Employee Benefits$103,549--$103,549
Office Expenses$68,587--$68,587
Pension Plan Contributions$45,189--$45,189
Payroll Taxes$38,387--$38,387
Advertising$22,178--$22,178
Conferences and Meetings$20,894--$20,894
Occupancy$17,270--$17,270
Insurance$14,857--$14,857
Depreciation Depletion$14,123--$14,123
Other Expenses---$9,242
Total Functional Expenses$1,913,132$0$0$1,913,132
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$140,004,165
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 request”

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
2016-06-22
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 Appendix360 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
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS
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 REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0PART VI LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1PART VI LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2PART VI LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3PART VI LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4PART VI LINE 19
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IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0false
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd0true
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/TotalAssetsBOYAmt0162054068
IRS990/TotalAssetsEOYAmt0162944121
IRS990/TotalAssetsGrp/BOYAmt0162054068
IRS990/TotalAssetsGrp/EOYAmt0162944121
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01913132
IRS990/TotalFunctionalExpensesGrp/TotalAmt01913132
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0141292567
IRS990/TotalLiabilitiesEOYAmt0141016210
IRS990/TotalLiabilitiesGrp/BOYAmt0141292567
IRS990/TotalLiabilitiesGrp/EOYAmt0141016210
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt020761501
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt021927911
IRS990/TotalOtherCompensationAmt026213
IRS990/TotalProgramServiceRevenueAmt01335640
IRS990/TotalReportableCompFromOrgAmt0109264
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03079542
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03079542
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0162054068
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0162944121
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0223 3RD AVE SO
IRS990/USAddress/CityNm0NEW ROCKFORD
IRS990/USAddress/StateAbbreviationCd0ND
IRS990/USAddress/ZIPCd058356
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0MARVEL EBENHAHN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-06-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0450237883
ReturnHeader/Filer/PhoneNum07019475011
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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/ReturnTs02016-07-05T17:20:01-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$162,944,121
Liabilities
$141,016,210
Net assets
$21,927,911
Revenue
$3,079,542
Expenses
$1,913,132
Net income
$1,166,410
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
2015Detailed filing. Detailed filing data is available for this year.$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