Civic Intelligence

Meritrust Credit Union

990 • Fiscal year 2012 • EIN 48-0570799

Jan 01, 2012 to Dec 31, 2012 • Filed on Jul 08, 2013

Organization ProfileWWW.MERITRUSTCU.ORG

View Organization Page

8710 EAST 32nd STREET NORTH67226
Siviq Scores

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

Liabilities / Assets

54th percentile

0.90x

Higher debt load relative to assets than 54% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

82nd percentile

10%

Faster asset growth than 82% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets54th percentile

Assets

Up

$836,710,219

Up $76,369,697 (+10%) from 2011

Net Assets

Up

$83,485,576

Up $7,923,115 (+10%) from 2011

Liabilities

Up

$753,224,643

Up $68,446,582 (+10.0%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$45,317,423

Up $1,737,501 (+4.0%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth82nd percentile

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

$1.5B$1.0B$500M$0Assets 2010: $698,186,847Liabilities 2010: $629,145,899Net Assets 2010: $69,040,9482010Assets 2011: $760,340,522Liabilities 2011: $684,778,061Net Assets 2011: $75,562,4612011Assets 2012: $836,710,219Liabilities 2012: $753,224,643Net Assets 2012: $83,485,5762012Assets 2013: $925,410,123Liabilities 2013: $832,505,623Net Assets 2013: $92,904,5002013Assets 2014: $950,647,018Liabilities 2014: $850,106,727Net Assets 2014: $100,540,2912014Assets 2015: $1,109,925,552Liabilities 2015: $1,002,599,286Net Assets 2015: $107,326,2662015Assets 2016: $1,266,799,389Liabilities 2016: $1,154,367,150Net Assets 2016: $112,432,2392016Assets 2017: $1,264,116,228Liabilities 2017: $1,146,032,422Net Assets 2017: $118,083,8062017Assets 2018: $1,215,121,922Liabilities 2018: $1,092,859,278Net Assets 2018: $122,262,6442018Assets 2019: $1,281,507,668Liabilities 2019: $1,155,555,785Net Assets 2019: $125,951,8832019

Highlighted filing

2012

Assets$836,710,219
Liabilities$753,224,643
Net Assets$83,485,576
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$80M$60M$40M$20M$0Expenses 2010: $42,000,1482010Expenses 2011: $43,579,9222011Expenses 2012: $45,317,4232012Revenue 2013: $56,367,769Expenses 2013: $48,426,018Net Income 2013: $7,941,7512013Revenue 2014: $59,796,023Expenses 2014: $50,797,673Net Income 2014: $8,998,3502014Revenue 2015: $62,014,451Expenses 2015: $54,767,403Net Income 2015: $7,247,0482015Revenue 2016: $71,975,320Expenses 2016: $63,874,802Net Income 2016: $8,100,5182016Revenue 2017: $76,992,366Expenses 2017: $74,397,692Net Income 2017: $2,594,6742017Revenue 2018: $75,229,939Expenses 2018: $71,016,787Net Income 2018: $4,213,1522018Revenue 2019: $48,306,293Expenses 2019: $44,723,169Net Income 2019: $3,583,1242019

Highlighted filing

2012

Revenue-
Expenses$45,317,423
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Jul 8, 2013
Return Version
2012v2.2
Gross Receipts
$66,134,923
Mission and Program Overview

Mission

Meritrust credit union is a member-owned not-for-profit financial cooperative which exists to provide financial services while maintaining the highest ethical standards. Safe management of our members' assets is our main objective and we will manage our business in an economically sound manner.

Filing and Contact Details

Filer

EIN
48-0570799
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IRS990ScheduleD/Buildings/BookValue014703256
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IRS990ScheduleD/Equipment/BookValue04521906
IRS990ScheduleD/Equipment/Depreciation012222641
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IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE MORE LIKELY THAN NOT STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN THE INTERNAL REVENUE CODE IRC SECTION 50414. AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON UNRELATED BUSINESS INCOME UBI DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNIGN IN MARCH 2008, THE INTERNAL REVENUE SERVICE IRS RELEASED TECHNNICAL ADVICE MEMORANDUMS TAMs TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX UBIT. UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNIONS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITON OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2011, 2010, AND 2009 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0X
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference02
IRS990ScheduleD/IncludedOnFS0false
IRS990ScheduleD/Land/BookValue05535491
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IRS990ScheduleD/LeaseholdImprovements/BookValue0213271
IRS990ScheduleD/LeaseholdImprovements/Depreciation0734327
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis0947598
IRS990ScheduleD/OtherLiabilities/Amount0105293677
IRS990ScheduleD/OtherLiabilities/Amount1127505732
IRS990ScheduleD/OtherLiabilities/Amount296202917
IRS990ScheduleD/OtherLiabilities/Amount370964304
IRS990ScheduleD/OtherLiabilities/Amount4296653336

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$836,710,219
Liabilities
$753,224,643
Net assets
$83,485,576
Revenue
-
Expenses
$45,317,423
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Summary only. Only limited summary data is available for this year.$1,282$1,156$126$48.3$44.7$3.58
2018Detailed filing. Detailed filing data is available for this year.$1,215$1,093$122$75.2$71.0$4.21
2017Detailed filing. Detailed filing data is available for this year.$1,264$1,146$118$77.0$74.4$2.59
2016Detailed filing. Detailed filing data is available for this year.$1,267$1,154$112$72.0$63.9$8.10
2015Detailed filing. Detailed filing data is available for this year.$1,110$1,003$107$62.0$54.8$7.25
2014Detailed filing. Detailed filing data is available for this year.$951$850$101$59.8$50.8$9.00
2013Detailed filing. Detailed filing data is available for this year.$925$833$92.9$56.4$48.4$7.94
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$837$753$83.5$45.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$760$685$75.6$43.6
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$698$629$69.0$42.0