Civic Intelligence

Self-Help Credit Union

990 • Fiscal year 2012 • EIN 56-1382971

Jan 01, 2012 to Dec 31, 2012 • Filed on Aug 13, 2013

Organization Profilewww.self-help.org
301 West Main Street27701
Siviq Scores

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

Liabilities / Assets

74th percentile

0.91x

Higher debt load relative to assets than 74% 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

20th percentile

2.6%

Faster asset growth than 20% 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 / Assets74th percentile

Assets

Up

$579,883,449

Up $14,956,782 (+2.6%) from 2011

Net Assets

Up

$50,412,391

Up $5,163,700 (+11%) from 2011

Liabilities

Up

$529,471,058

Up $9,793,082 (+1.9%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$26,900,479

Down $4,032,414 (-13%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth20th percentile

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

$2.0B$1.5B$1.0B$500M$0Assets 2010: $540,280,328Liabilities 2010: $490,335,746Net Assets 2010: $49,944,5822010Assets 2011: $564,926,667Liabilities 2011: $519,677,976Net Assets 2011: $45,248,6912011Assets 2012: $579,883,449Liabilities 2012: $529,471,058Net Assets 2012: $50,412,3912012Assets 2013: $645,697,982Liabilities 2013: $576,376,865Net Assets 2013: $69,321,1172013Assets 2014: $673,352,669Liabilities 2014: $596,244,853Net Assets 2014: $77,107,8162014Assets 2015: $714,921,461Liabilities 2015: $627,361,465Net Assets 2015: $87,559,9962015Assets 2016: $745,138,460Liabilities 2016: $645,685,637Net Assets 2016: $99,452,8232016Assets 2017: $894,630,122Liabilities 2017: $765,768,890Net Assets 2017: $128,861,2322017Assets 2018: $1,011,155,892Liabilities 2018: $858,919,445Net Assets 2018: $152,236,4472018Assets 2019: $1,100,074,054Liabilities 2019: $937,527,148Net Assets 2019: $162,546,9062019Assets 2020: $1,280,395,686Liabilities 2020: $1,101,659,479Net Assets 2020: $178,736,2072020Assets 2021: $1,341,389,804Liabilities 2021: $1,143,399,993Net Assets 2021: $197,989,8112021Assets 2022: $1,812,435,213Liabilities 2022: $1,564,642,091Net Assets 2022: $247,793,1222022Assets 2023: $1,759,689,863Liabilities 2023: $1,520,426,660Net Assets 2023: $239,263,2032023Assets 2024: $1,979,006,644Liabilities 2024: $1,716,112,628Net Assets 2024: $262,894,0162024

Highlighted filing

2012

Assets$579,883,449
Liabilities$529,471,058
Net Assets$50,412,391
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150M$100M$50M$0Expenses 2010: $31,505,4482010Expenses 2011: $30,932,8932011Expenses 2012: $26,900,4792012Revenue 2013: $29,989,171Expenses 2013: $25,211,643Net Income 2013: $4,777,5282013Revenue 2014: $35,796,381Expenses 2014: $29,012,667Net Income 2014: $6,783,7142014Revenue 2015: $36,298,449Expenses 2015: $27,846,357Net Income 2015: $8,452,0922015Revenue 2016: $40,087,758Expenses 2016: $30,995,685Net Income 2016: $9,092,0732016Revenue 2017: $45,979,441Expenses 2017: $32,971,984Net Income 2017: $13,007,4572017Revenue 2018: $51,060,936Expenses 2018: $35,341,463Net Income 2018: $15,719,4732018Revenue 2019: $58,486,696Expenses 2019: $41,124,933Net Income 2019: $17,361,7632019Revenue 2020: $56,753,400Expenses 2020: $50,964,953Net Income 2020: $5,788,4472020Revenue 2021: $52,319,101Expenses 2021: $40,972,922Net Income 2021: $11,346,1792021Revenue 2022: $77,946,111Expenses 2022: $49,710,208Net Income 2022: $28,235,9032022Revenue 2023: $92,846,991Expenses 2023: $63,096,264Net Income 2023: $29,750,7272023Revenue 2024: $102,180,876Expenses 2024: $77,223,875Net Income 2024: $24,957,0012024

Highlighted filing

2012

Revenue-
Expenses$26,900,479
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Aug 13, 2013
Return Version
2012v2.2
Gross Receipts
$31,309,103
Mission and Program Overview

Mission

Our mission is to create ownership and economic opportunities for all, especially people of color, women, rural residents,low-wealth families and communities. We provided loans to members at reasonable rates and pay competitive rates of interest to members.

Filing and Contact Details

Filer

EIN
56-1382971
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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0The Credit Union has determined that all tax positions taken for the current year ended December 31, 2012 and all years open under the statute of limitations are highly certain. Therefore, the Credit Union has determined that no unrecognized tax liability exists.
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IRS990ScheduleD/OtherSecurities/Description0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecurities/Description1Closely-held equity interests
IRS990ScheduleD/RevenueSubtotal031309103
IRS990ScheduleD/TotalExpensesPerForm990026900479
IRS990ScheduleD/TotalOfAmounts0493756501
IRS990ScheduleD/TotalOfBookValueLandBuildings07936746
IRS990ScheduleD/TotalRevenuePerForm990031309103
IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt026900479
IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt031309103
IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0Form 990 Part VI Section B Line 11b The Form 990 is prepared by staff accountants. The Chief Financial Officer, the Controller, and in-house counsel review multiple drafts and verify all answers before the form is provided to the Chief Executive Officer and board of directors for further review and comment prior to submission.
IRS990ScheduleO/GeneralExplanation/Explanation1Form 990 Part VI Section A Line 6-7B The organization is a member-owned credit union. Members elect directors on a staggered annual basis at the annual meeting. Certain decisions, such as amendments to bylaws, are subject to approval by the North Carolina Credit Union Division and/or the National Credit Union Administraton.
IRS990ScheduleO/GeneralExplanation/Explanation2Form 990 Part VI Section B Line 12c The organizations Conflict of Interest Policy covers its officers, directors or trustees, all employees of the organization or any related organization, and family members of persons in these categories. All covered persons are required under the policy to disclose actual or potential conflcts as soon as the arise and to confirm on an annual basis that there are no existing conflicts of interest. Person with actual conflicts are prohibited from participating in any decision relevant to the situation where the conflict exists. Most conflicts are clearly delineated by the policy situations that are not so clear-cut are reviewed by in-house counsel, the CEO, or Board as appropriate.
IRS990ScheduleO/GeneralExplanation/Explanation3Form 990 Part VI Section B Line 15b The organization pays its highest paid workers including the CEO, top management officials and other officers, in accordance with a salary ceiling that is confirmed annually by the board, and was last confirmed in May 2012. This ceiling is subject to adjustment for increased costs of living associated the geographical areas in which workers are working but is well below the average market salary for workers with comparable levels of expertise and experience.
IRS990ScheduleO/GeneralExplanation/Explanation4Form 990 Part VI Section C Line 19 No documents available to the public.
IRS990ScheduleO/GeneralExplanation/Explanation5Form 990 Part VII Section A Line 1a No director or officer receives compensation for his or her work as a director, officer or trustee instead the amounts listed in columns E and F are compensation paid to full-time 40 hours per week employees of the related organization, Self-Help Services Corporatoin, which serves as the employer for all of the filing organizations workers.
IRS990ScheduleO/GeneralExplanation/Explanation6Form 990 Part XI Line 9 Non realized derivative losses, 967,980, cash dividends paid on secondary capital 212,904
IRS990/ScheduleORequired0true
IRS990ScheduleR/DividendsRelatedOrganization0false
IRS990ScheduleR/ExchangeOfAssets0false
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/AddressLine10301 West Main Street
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/AddressLine11302 West Main Street
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/AddressLine12301 West Main Street
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/AddressLine13301 West Main Street
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/AddressLine14301 West Main Street
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/AddressLine15301 West Main Street
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/AddressLine16301 West Main Street
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/AddressLine171330 Boardway Street Suite 604
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/City0Durham
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/City1Durham
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/City2Durham
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/City3Durham
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/City4Durham
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/City5Durham
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/City6Durham

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
$579,883,449
Liabilities
$529,471,058
Net assets
$50,412,391
Revenue
-
Expenses
$26,900,479
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,979$1,716$263$102$77.2$25.0
2023Summary only. Only limited summary data is available for this year.$1,760$1,520$239$92.8$63.1$29.8
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,812$1,565$248$77.9$49.7$28.2
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,341$1,143$198$52.3$41.0$11.3
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,280$1,102$179$56.8$51.0$5.79
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,100$938$163$58.5$41.1$17.4
2018Summary only. Only limited summary data is available for this year.$1,011$859$152$51.1$35.3$15.7
2017Summary only. Only limited summary data is available for this year.$895$766$129$46.0$33.0$13.0
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$745$646$99.5$40.1$31.0$9.09
2015Detailed filing. Detailed filing data is available for this year.$715$627$87.6$36.3$27.8$8.45
2014Detailed filing. Detailed filing data is available for this year.$673$596$77.1$35.8$29.0$6.78
2013Detailed filing. Detailed filing data is available for this year.$646$576$69.3$30.0$25.2$4.78
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$580$529$50.4$26.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$565$520$45.2$30.9
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$540$490$49.9$31.5