Civic Intelligence

Community Credit Union

990 • Fiscal year 2017 • EIN 45-0237883

Jan 01, 2017 to Dec 31, 2017 • Filed on May 13, 2018

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

18th percentile

0.85x

Higher debt load relative to assets than 18% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

100th percentile

45.60x

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

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

97th percentile

34%

Higher net margin than 97% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

5th percentile

$106,103

Higher top officer pay than 5% of similar nonprofits.

Top officer pay equals 3.5% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

4th percentile

-2.3%

Faster asset growth than 4% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Revenue Growth

33rd percentile

3.9%

Faster revenue growth than 33% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets18th percentile

Assets

Down

$163,169,607

Down $3,845,714 (-2.3%) from 2016

Net Assets

Up

$23,948,090

Up $1,036,854 (+4.5%) from 2016

Liabilities

Down

$139,221,517

Down $4,882,568 (-3.4%) from 2016

Revenue And Expenses
Liabilities / Revenue100th percentileNet Margin97th percentile

Revenue

Up

$3,053,328

Up $114,544 (+3.9%) from 2016

Expenses

Up

$2,016,474

Up $61,015 (+3.1%) from 2016

Net Income

Up

$1,036,854

Up $53,529 (+5.4%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth4th 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

2017

Assets$163,169,607
Liabilities$139,221,517
Net Assets$23,948,090
Open 2017 Filing

Operations Trend

Revenue Growth33rd 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

2017

Revenue$3,053,328
Expenses$2,016,474
Net Income$1,036,854
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 13, 2018
Return Version
2017v2.2
Gross Receipts
$3,053,328
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$100,340,035$87,352,016▼ $12,988,019
Savings and Temporary Cash Investments$37,888,169$46,097,301▲ $8,209,132
Other Notes and Loans Receivable, Net$26,716,204$27,761,522▲ $1,045,318
Rtn Earn Endowment Incm Other Fnds$22,911,236$23,948,090▲ $1,036,854
Cash and Non-Interest-Bearing Accounts$462,124$500,215▲ $38,091
Land, Buildings, and Equipment, Net$226,868$209,735▼ $17,133
Prepaid Expenses and Deferred Charges$27,167$26,956▼ $211
Total Assets$167,015,321$163,169,607▼ $3,845,714
Other Assets Total$1,354,754$1,221,862▼ $132,892
Liabilities
Other Liabilities$142,806,000$137,521,470▼ $5,284,530
Accounts Payable and Accrued Expenses$1,298,085$1,700,047▲ $401,962
Total Liabilities$144,104,085$139,221,517▼ $4,882,568
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,911,236$23,948,090▲ $1,036,854
Total Liabilities and Net Assets / Fund Balance$167,015,321$163,169,607▼ $3,845,714

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$131,063$159,115-
Land$47,556--
Equipment$31,116$157,460-
Compensation and Service Providers
Top Officer Pay5th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
B MessnerPresidentFT$96,103$10,000$106,103

Board Members and Trustees

NameTitle
T OttoChairman
E OconnorVice Chair
J EversvikDirector
R LangleyDirector
D JenrichSec Treas
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,249,315
Investment Income
$1,804,013
Other Revenue
$0
Change in Net Assets
$1,036,854
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,285,609
Salaries, Compensation, and Employee Benefits$730,865
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$834,605--$834,605
Other Salaries and Wages$529,029--$529,029
Other Employee Benefits$116,725--$116,725
All Other Expenses$105,855--$105,855
Office Expenses$60,788--$60,788
Pension Plan Contributions$44,856--$44,856
Payroll Taxes$40,255--$40,255
Advertising$31,329--$31,329
Depreciation Depletion$25,346--$25,346
Insurance$24,381--$24,381
Occupancy$17,149--$17,149
Other Expenses---$11,023
Conferences and Meetings$7,917--$7,917
Total Functional Expenses$2,016,474$0$0$2,016,474
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$137,521,470
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
2018-05-13
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
0

Preparer

Firm
Ben Yasgar CPA Ltd
Address
808 3RD AVE S SUITE, 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/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
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IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ShareOfEOYAssetsAmt012
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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
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IRS990/TotalAssetsEOYAmt0163169607
IRS990/TotalAssetsGrp/BOYAmt0167015321
IRS990/TotalAssetsGrp/EOYAmt0163169607
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt02016474
IRS990/TotalFunctionalExpensesGrp/TotalAmt02016474
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0144104085
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IRS990/TotalLiabilitiesGrp/BOYAmt0144104085
IRS990/TotalLiabilitiesGrp/EOYAmt0139221517
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IRS990/TotalOtherCompensationAmt010000
IRS990/TotalProgramServiceRevenueAmt01249315
IRS990/TotalReportableCompFromOrgAmt096103
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03053328
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03053328
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0167015321
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0163169607
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0NEW ROCKFORD
IRS990/USAddress/StateAbbreviationCd0ND
IRS990/USAddress/ZIPCd058356
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0BARBARA MESSNER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-13
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/AtSubmissionCreationDeviceId04D646CC75C5975A1ED3BDC7B51404297AC262743
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ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId04507852018133h019186
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/PreparationDt02018-06-20
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BEN YASGAR CPA
ReturnHeader/ReturnTs02018-06-25T13:49:56-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$163,169,607
Liabilities
$139,221,517
Net assets
$23,948,090
Revenue
$3,053,328
Expenses
$2,016,474
Net income
$1,036,854
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
2017Detailed filing. Detailed filing data is available for this year.$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. 2017 filings • 501(c)14 • $100M-$250M nonprofits