Civic Intelligence

Educational Credit Union

990 • Fiscal year 2012 • EIN 48-0641445

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 06, 2013

Organization ProfileWWW.EDUCATIONALCU.ORG

View Organization Page

2808 SW Arrowhead Road66614
Siviq Scores

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

Liabilities / Assets

85th percentile

0.92x

Higher debt load relative to assets than 85% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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

95th percentile

14%

Faster asset growth than 95% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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 / Assets85th percentile

Assets

Up

$175,016,832

Up $21,185,828 (+14%) from 2011

Net Assets

Up

$13,970,052

Up $1,407,565 (+11%) from 2011

Liabilities

Up

$161,046,780

Up $19,778,263 (+14%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$7,462,559

Up $158,224 (+2.2%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth95th percentile

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

$300M$200M$100M$0Assets 2010: $135,325,282Liabilities 2010: $123,823,027Net Assets 2010: $11,502,2552010Assets 2011: $153,831,004Liabilities 2011: $141,268,517Net Assets 2011: $12,562,4872011Assets 2012: $175,016,832Liabilities 2012: $161,046,780Net Assets 2012: $13,970,0522012Assets 2013: $185,442,915Liabilities 2013: $170,284,337Net Assets 2013: $15,158,5782013Assets 2014: $191,022,750Liabilities 2014: $174,064,304Net Assets 2014: $16,958,4462014Assets 2015: $201,438,820Liabilities 2015: $182,736,842Net Assets 2015: $18,701,9782015

Highlighted filing

2012

Assets$175,016,832
Liabilities$161,046,780
Net Assets$13,970,052
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0Expenses 2010: $7,617,0252010Expenses 2011: $7,304,3352011Expenses 2012: $7,462,5592012Revenue 2013: $9,050,184Expenses 2013: $7,728,740Net Income 2013: $1,321,4442013Revenue 2014: $9,575,616Expenses 2014: $7,818,665Net Income 2014: $1,756,9512014Revenue 2015: $10,231,866Expenses 2015: $8,412,448Net Income 2015: $1,819,4182015

Highlighted filing

2012

Revenue-
Expenses$7,462,559
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 6, 2013
Return Version
2012v2.1
Gross Receipts
$8,749,490
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Major Activities

Activity 2
Provides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2012, there were 9,512 loans outstanding totaling $95,864,047.
Activity 3
Paid dividends on member deposits totaling $1,463,636 for the year.
Filing and Contact Details

Filer

EIN
48-0641445
Raw XML Appendix395 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/ActivitiesConductedPartnership00
IRS990/Activity2/Description0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2012, THERE WERE 9,512 LOANS OUTSTANDING TOTALING $95,864,047.
IRS990/Activity3/Description0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $1,463,636 FOR THE YEAR.
IRS990/ActivityOrMissionDescription0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
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IRS990/ProgramServiceRevenue/Description2NON-MEMBER FEES
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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0AS OF YEAR-END, THE CREDIT UNION HAD ESCROW ACCOUNTS RELATED TO TWO MEMBER LOANS.
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0PART IV, LINE 2B:
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IRS990ScheduleI/Form990ScheduleIPartIII/AmountOfCashGrant04000
IRS990ScheduleI/Form990ScheduleIPartIII/AmountOfCashGrant110000
IRS990ScheduleI/Form990ScheduleIPartIII/NumberOfRecipients04
IRS990ScheduleI/Form990ScheduleIPartIII/NumberOfRecipients183
IRS990ScheduleI/Form990ScheduleIPartIII/TypeOfGrant0DIANE WRIGHT MEMORIAL SCHOLARSHIP
IRS990ScheduleI/Form990ScheduleIPartIII/TypeOfGrant1TEACHER MINI-GRANTS
IRS990ScheduleI/Form990ScheduleIPartIV/Explanation0SCHEDULE I, PART I, LINE 2: THE CREDIT UNION AWARDS THE "DIANE WRIGHT MEMORIAL SCHOLARSHIP" ANNUALLY TO A HIGH SCHOOL SENIOR PURSUING A DEGREE IN EDUCATION AT A FOUR-YEAR UNIVERSITY. THE WINNER RECEIVES A $500 AWARD WHICH IS RENEWABLE EVERY SEMESTER FOR A MAXIMUM OF $4,000, PROVIDED ALL REQUIREMENTS HAVE BEEN MET AND VERIFIED. IN ADDITION, TEACHERS MAY APPLY FOR MINI-GRANTS TO HELP COVER THE COST OF VARIOUS CLASSROOM PROJECTS. APPLICATIONS ARE REVIEWED BY A COMMITTEE AND AMOUNTS ARE AWARDED AND PAID TO THE VENDOR SUPPLIER OR TO THE SCHOOL.
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IRS990ScheduleO/GeneralExplanation/Explanation0IN 2012, THE CREDIT UNION ADDED MOBILE BANKING SERVICES AND SECONDARY MARKET MORTGAGE LOANS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation3SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/GeneralExplanation/Explanation4THE PRESIDENT/CEO REVIEWS DETAILS OF THE FORM 990 WITH CREDIT UNION MANAGEMENT AND THE ACCOUNTING FIRM PREPARING THE RETURN. THE BOARD OF DIRECTORS THEN REVIEWS AND APPROVES THE RETURN FOR FILING.
IRS990ScheduleO/GeneralExplanation/Explanation5ON AN ANNUAL BASIS, THE OFFICERS, DIRECTORS, AND COMMITTEE MEMBERS ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation6THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT/CEO'S PERFORMANCE AND DETERMINES COMPENSATION BASED ON VARIOUS INFORMATION, INCLUDING A SIGNED EMPLOYMENT CONTRACT, THE COMPEASE SALARY ADMINISTRATION PROGRAM, AND PEER STUDIES. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE PRESIDENT/CEO USING SIMILAR INFORMATION AND IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/GeneralExplanation/Explanation7FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND ON THE CREDIT UNION'S WEBSITE, ARE PRESENTED AT THE ANNUAL MEETING, AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation8OTHER ADJUSTMENTS -787.
IRS990ScheduleO/GeneralExplanation/Identifier0NEW PROGRAM SERVICES
IRS990ScheduleO/GeneralExplanation/Identifier1CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART III, LINE 2
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PART XI, LINE 9:
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IRS990/TypeOfOrganizationCorporation0X
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IRS990/WebSite0WWW.EDUCATIONALCU.ORG
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IRS990/YearFormation01939
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/Filer/EIN0480641445
ReturnHeader/Filer/Name/BusinessNameLine10EDUCATIONAL CREDIT UNION
ReturnHeader/Filer/NameControl0EDUC
ReturnHeader/Filer/Phone07852716900
ReturnHeader/Filer/USAddress/AddressLine102808 SW ARROWHEAD ROAD
ReturnHeader/Filer/USAddress/City0TOPEKA
ReturnHeader/Filer/USAddress/State0KS
ReturnHeader/Filer/USAddress/ZIPCode066614
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02013-11-06
ReturnHeader/Officer/Name0GREG WINKLER
ReturnHeader/Officer/Phone07852716900
ReturnHeader/Officer/Title0PRESIDENT/CEO
ReturnHeader/PreparerFirm/EIN0431592217
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0OLATHE
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0KS
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode066061
ReturnHeader/Preparer/Phone09138946214
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-11-06T10:51:18-06:00

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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
$175,016,832
Liabilities
$161,046,780
Net assets
$13,970,052
Revenue
-
Expenses
$7,462,559
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$201$183$18.7$10.2$8.41$1.82
2014Detailed filing. Detailed filing data is available for this year.$191$174$17.0$9.58$7.82$1.76
2013Detailed filing. Detailed filing data is available for this year.$185$170$15.2$9.05$7.73$1.32
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$175$161$14.0$7.46
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$154$141$12.6$7.30
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$135$124$11.5$7.62