Civic Intelligence

Freedom Community Credit Union

990 • Fiscal year 2013 • EIN 45-0273190

Jan 01, 2013 to Dec 31, 2013 • Filed on May 08, 2014

Organization ProfileN/A

View Organization Page

2940 N University DriveFargo, ND 58102

(701) 232-0828

Siviq Scores

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

Liabilities / Assets

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

82nd percentile

27.51x

Higher debt load relative to revenue than 82% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

25th percentile

-2.6%

Higher net margin than 25% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

80th percentile

$92,342

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 11.4% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

82nd percentile

6.0%

Faster asset growth than 82% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

23rd percentile

-8.0%

Faster revenue growth than 23% of similar nonprofits.

2013 filings • $10M-$25M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets81st percentile

Assets

Up

$24,647,527

Up $1,385,163 (+6.0%) from 2012

Net Assets

Down

$2,267,468

Down $21,313 (-0.9%) from 2012

Liabilities

Up

$22,380,059

Up $1,406,476 (+6.7%) from 2012

Revenue And Expenses
Liabilities / Revenue82nd percentileNet Margin25th percentile

Revenue

Down

$813,391

Down $71,043 (-8.0%) from 2012

Expenses

Up

$834,704

Up $139,323 (+20%) from 2012

Net Income

Down

-$21,313

Down $210,366 (-111%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth82nd percentile

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

$40M$30M$20M$10M$0Assets 2011: $21,277,133Liabilities 2011: $19,177,405Net Assets 2011: $2,099,7282011Assets 2012: $23,262,364Liabilities 2012: $20,973,583Net Assets 2012: $2,288,7812012Assets 2013: $24,647,527Liabilities 2013: $22,380,059Net Assets 2013: $2,267,4682013Assets 2014: $24,952,689Liabilities 2014: $22,944,640Net Assets 2014: $2,008,0492014Assets 2015: $25,508,325Liabilities 2015: $23,485,269Net Assets 2015: $2,023,0562015Assets 2016: $27,118,577Liabilities 2016: $25,006,286Net Assets 2016: $2,112,2912016Assets 2017: $27,674,188Liabilities 2017: $25,530,524Net Assets 2017: $2,143,6642017Assets 2018: $27,043,043Liabilities 2018: $24,804,553Net Assets 2018: $2,238,4902018Assets 2019: $26,936,119Liabilities 2019: $24,518,194Net Assets 2019: $2,417,9252019Assets 2020: $30,101,322Liabilities 2020: $27,569,242Net Assets 2020: $2,532,0802020Assets 2021: $31,829,663Liabilities 2021: $29,223,619Net Assets 2021: $2,606,0442021Assets 2022: $31,442,251Liabilities 2022: $28,868,782Net Assets 2022: $2,573,4692022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2013

Assets$24,647,527
Liabilities$22,380,059
Net Assets$2,267,468
Open 2013 Filing

Operations Trend

Revenue Growth23rd percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2011: $731,5322011Revenue 2012: $884,434Expenses 2012: $695,381Net Income 2012: $189,0532012Revenue 2013: $813,391Expenses 2013: $834,704Net Income 2013: -$21,3132013Revenue 2014: $825,562Expenses 2014: $1,084,981Net Income 2014: -$259,4192014Revenue 2015: $824,688Expenses 2015: $809,681Net Income 2015: $15,0072015Revenue 2016: $862,823Expenses 2016: $773,588Net Income 2016: $89,2352016Revenue 2017: $948,905Expenses 2017: $917,532Net Income 2017: $31,3732017Revenue 2018: $1,143,110Expenses 2018: $1,048,286Net Income 2018: $94,8242018Revenue 2019: $981,566Expenses 2019: $802,131Net Income 2019: $179,4352019Revenue 2020: $920,756Expenses 2020: $806,601Net Income 2020: $114,1552020Revenue 2021: $809,590Expenses 2021: $735,626Net Income 2021: $73,9642021Revenue 2022: $761,883Expenses 2022: $794,458Net Income 2022: -$32,5752022Revenue 2023: $855,647Expenses 2023: $1,104,328Net Income 2023: -$248,6812023

Highlighted filing

2013

Revenue$813,391
Expenses$834,704
Net Income-$21,313
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 8, 2014
Return Version
2013v3.1
Gross Receipts
$813,391
Mission and Program Overview

Mission

Credit union services to approximately 2900 members

CREDIT UNION SERVICES

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,728,897$14,246,700▲ $517,803
Savings and Temporary Cash Investments$8,725,939$8,646,090▼ $79,849
Rtn Earn Endowment Incm Other Fnds$2,288,781$2,267,468▼ $21,313
Land, Buildings, and Equipment, Net$508,468$1,402,266▲ $893,798
Cash and Non-Interest-Bearing Accounts$91,688$123,812▲ $32,124
Prepaid Expenses and Deferred Charges$11,220$13,903▲ $2,683
Intangible Assets$6,119$5,439▼ $680
Total Assets$23,262,364$24,647,527▲ $1,385,163
Other Assets Total$190,033$209,317▲ $19,284
Liabilities
Other Liabilities$20,969,298$22,369,986▲ $1,400,688
Accounts Payable and Accrued Expenses$4,285$10,073▲ $5,788
Total Liabilities$20,973,583$22,380,059▲ $1,406,476
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,288,781$2,267,468▼ $21,313
Total Liabilities and Net Assets / Fund Balance$23,262,364$24,647,527▲ $1,385,163

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$926,143$120,744-
Land$373,320--
Equipment$102,803$193,297-
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mary HagenPresidentFT$79,999$12,343$92,342

Board Members and Trustees

NameTitle
Larry GillelanChairman
Brent EhrichsDirector
Kevin BengsDirector
Nina StoneDirector
Tom JeffersonDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$770,619
Investment Income
$42,772
Other Revenue
$0
Change in Net Assets
$-21,313
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$459,912
Salaries, Compensation, and Employee Benefits$374,792
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$200,627--$200,627
Other Expenses---$151,041
Other Employee Benefits$94,166--$94,166
Current Officers, Directors, Trustees, and Key Employees$79,999--$79,999
All Other Expenses$67,769--$67,769
Office Expenses$60,485--$60,485
Payments to Affiliates$47,377--$47,377
Occupancy$27,375--$27,375
Insurance$22,744--$22,744
Depreciation Depletion$20,902--$20,902
Conferences and Meetings$15,682--$15,682
Total Functional Expenses$834,704$0$0$834,704
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$22,195,777
Deferred Compensation$174,209
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
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 the owners of the credit union part vi line 6”

Part VI Line 7A

“Members of the credit union elect the board of directors part vi line 7a”

Part VI Line 11

“Tax return is reviewed by the president before filing part vi line 11”

Part VI Line 15

“Information is obtained to determine peer compensation part vi line 15”

Part VI Line 19

“Information is available upon request part vi line 19”

Part VI Line 12C

“Directors review annually part vi line 12c”

Filing and Contact Details

Filer

EIN
45-0273190
Phone
7012320828

Signing Officer

Name
Mary Hagen
Title
Chief Executive Officer
Signed
2014-05-08
Discuss with paid preparer
No

Organization Details

Principal Officer
Mary Hagen
Voting Board Members
5
Independent Board Members
5
Employees
9

Preparer

Preparer
Ben Yasgar CPA
Phone
7012324414
Raw XML Appendix315 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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IRS990/UnrelatedBusIncmOverLimitInd0false
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IRS990/USAddress/City0FARGO
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IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
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ReturnHeader/BusinessOfficerGrp/PersonNm0MARY HAGEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHIEF EXECUTIVE OFFICER
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ReturnHeader/ReturnTs02014-05-10T10:33:35-05:00
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ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$24,647,527
Liabilities
$22,380,059
Net assets
$2,267,468
Revenue
$813,391
Expenses
$834,704
Net income
-$21,313
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$0.86$1.10$0.25
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.4$28.9$2.57$0.76$0.79$0.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.8$29.2$2.61$0.81$0.74$0.07
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.1$27.6$2.53$0.92$0.81$0.11
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.9$24.5$2.42$0.98$0.80$0.18
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.0$24.8$2.24$1.14$1.05$0.09
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.7$25.5$2.14$0.95$0.92$0.03
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.1$25.0$2.11$0.86$0.77$0.09
2015Detailed filing. Detailed filing data is available for this year.$25.5$23.5$2.02$0.82$0.81$0.02
2014Detailed filing. Detailed filing data is available for this year.$25.0$22.9$2.01$0.83$1.08$0.26
2013Detailed filing. Detailed filing data is available for this year.$24.6$22.4$2.27$0.81$0.83$0.02
2012Summary only. Only limited summary data is available for this year.$23.3$21.0$2.29$0.88$0.70$0.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.3$19.2$2.10$0.73