Civic Intelligence

Community Credit Union

990 • Fiscal year 2016 • EIN 45-0237883

Jan 01, 2016 to Dec 31, 2016 • Filed on Jul 07, 2017

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

22nd percentile

0.86x

Higher debt load relative to assets than 22% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

100th percentile

49.04x

Higher debt load relative to revenue than 100% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

97th percentile

33%

Higher net margin than 97% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

16th percentile

$136,468

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 4.6% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

31st percentile

2.5%

Faster asset growth than 31% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

3rd percentile

-4.6%

Faster revenue growth than 3% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets22nd percentile

Assets

Up

$167,015,321

Up $4,071,200 (+2.5%) from 2015

Net Assets

Up

$22,911,236

Up $983,325 (+4.5%) from 2015

Liabilities

Up

$144,104,085

Up $3,087,875 (+2.2%) from 2015

Revenue And Expenses
Liabilities / Revenue100th percentileNet Margin97th percentile

Revenue

Down

$2,938,784

Down $140,758 (-4.6%) from 2015

Expenses

Up

$1,955,459

Up $42,327 (+2.2%) from 2015

Net Income

Down

$983,325

Down $183,085 (-16%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth31st 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

2016

Assets$167,015,321
Liabilities$144,104,085
Net Assets$22,911,236
Open 2016 Filing

Operations Trend

Revenue Growth3rd 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

2016

Revenue$2,938,784
Expenses$1,955,459
Net Income$983,325
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jul 7, 2017
Return Version
2016v3.0
Gross Receipts
$2,938,784
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$108,355,988$100,340,035▼ $8,015,953
Savings and Temporary Cash Investments$24,920,822$37,888,169▲ $12,967,347
Other Notes and Loans Receivable, Net$27,755,853$26,716,204▼ $1,039,649
Rtn Earn Endowment Incm Other Fnds$21,927,911$22,911,236▲ $983,325
Cash and Non-Interest-Bearing Accounts$453,384$462,124▲ $8,740
Land, Buildings, and Equipment, Net$216,565$226,868▲ $10,303
Prepaid Expenses and Deferred Charges$35,387$27,167▼ $8,220
Total Assets$162,944,121$167,015,321▲ $4,071,200
Other Assets Total$1,206,122$1,354,754▲ $148,632
Liabilities
Other Liabilities$140,004,165$142,806,000▲ $2,801,835
Accounts Payable and Accrued Expenses$1,012,045$1,298,085▲ $286,040
Total Liabilities$141,016,210$144,104,085▲ $3,087,875
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,927,911$22,911,236▲ $983,325
Total Liabilities and Net Assets / Fund Balance$162,944,121$167,015,321▲ $4,071,200

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$138,057$152,121-
Land$47,556--
Equipment$41,255$139,109-
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
M EbenhahnPresidentFT$109,264$27,204$136,468

Board Members and Trustees

NameTitle
T OttoChairman
D CarlsonVice Chair
E O ConnorDirector
R LangleyDirector
D JenrichSec Treas
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,303,484
Investment Income
$1,635,300
Other Revenue
$0
Change in Net Assets
$983,325
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,245,147
Salaries, Compensation, and Employee Benefits$710,312
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$822,179--$822,179
Other Salaries and Wages$414,796--$414,796
All Other Expenses$112,831--$112,831
Current Officers, Directors, Trustees, and Key Employees$109,264--$109,264
Other Employee Benefits$100,512--$100,512
Office Expenses$64,901--$64,901
Pension Plan Contributions$46,408--$46,408
Payroll Taxes$39,332--$39,332
Insurance$26,982--$26,982
Depreciation Depletion$21,444--$21,444
Advertising$17,289--$17,289
Occupancy$16,358--$16,358
Conferences and Meetings$11,147--$11,147
Other Expenses---$10,861
Total Functional Expenses$1,955,459$0$0$1,955,459
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$142,806,000
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 for each position”

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
Barbara Messner
Title
President
Signed
2017-07-07
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, FARGO, ND 58103-1865
Preparer
Ben Yasgar CPA
Phone
7012324414
Raw XML Appendix356 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/ExplanationTxt2TAX RETURN IS REVIEWED BY THE PRESIDENT BEFORE FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3INFORMATION IS OBTAINED TO DETERMINE PEER COMPENSATION FOR EACH POSITION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4INFORMATION IS AVAILABLE UPON REQUEST
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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
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IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0false
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IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0false
IRS990ScheduleR/TransferFromOtherOrgInd0false
IRS990ScheduleR/TransferToOtherOrgInd0false
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt0167015321
IRS990/TotalAssetsGrp/BOYAmt0162944121
IRS990/TotalAssetsGrp/EOYAmt0167015321
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01955459
IRS990/TotalFunctionalExpensesGrp/TotalAmt01955459
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0141016210
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IRS990/TotalLiabilitiesGrp/BOYAmt0141016210
IRS990/TotalLiabilitiesGrp/EOYAmt0144104085
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt022911236
IRS990/TotalOtherCompensationAmt027204
IRS990/TotalProgramServiceRevenueAmt01303484
IRS990/TotalReportableCompFromOrgAmt0109264
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02938784
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02938784
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0162944121
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0167015321
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
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IRS990/USAddress/StateAbbreviationCd0ND
IRS990/USAddress/ZIPCd058356
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0BARBARA MESSNER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-07-07
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0FFE25DB6F8F28D557FD688AC081C6F19A7C4A28C
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0FFE25DB6F8F28D557FD688AC081C6F19A7C4A28C
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId04507852017135g001153
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0206.188.160.40
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0450470900
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BEN YASGAR CPA LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0808 3RD AVE S SUITE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0FARGO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0ND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0581031865
ReturnHeader/PreparerPersonGrp/PhoneNum07012324414
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BEN YASGAR CPA
ReturnHeader/ReturnTs02017-07-15T10:43:02-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$167,015,321
Liabilities
$144,104,085
Net assets
$22,911,236
Revenue
$2,938,784
Expenses
$1,955,459
Net income
$983,325
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
2016Detailed filing. Detailed filing data is available for this year.$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. 2016 filings • 501(c)14 • $100M-$250M nonprofits