Civic Intelligence

Delta Community Credit Union

990 • Fiscal year 2012 • EIN 58-0904765

Jan 01, 2012 to Dec 31, 2012 • Filed on May 14, 2013

Organization ProfileWWW.DELTACOMMUNITYCU.COM

View Organization Page

1025 Virginia Avenue30354
Siviq Scores

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

Liabilities / Assets

52nd percentile

0.90x

Higher debt load relative to assets than 52% of similar nonprofits.

2012 filings • 501(c)14 • $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

27th percentile

4.6%

Faster asset growth than 27% of similar nonprofits.

2012 filings • 501(c)14 • $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 / Assets52nd percentile

Assets

Up

$4,365,307,483

Up $192,597,393 (+4.6%) from 2011

Net Assets

Up

$431,480,669

Up $41,337,888 (+11%) from 2011

Liabilities

Up

$3,933,826,814

Up $151,259,505 (+4.0%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$152,925,736

Down $74,491,325 (-33%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth27th percentile

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

$10B$5.0B$0Assets 2010: $3,880,661,334Liabilities 2010: $3,457,844,956Net Assets 2010: $422,816,3782010Assets 2011: $4,172,710,090Liabilities 2011: $3,782,567,309Net Assets 2011: $390,142,7812011Assets 2012: $4,365,307,483Liabilities 2012: $3,933,826,814Net Assets 2012: $431,480,6692012Assets 2013: $4,499,242,737Liabilities 2013: $4,033,399,728Net Assets 2013: $465,843,0092013Assets 2014: $4,664,159,725Liabilities 2014: $4,147,284,434Net Assets 2014: $516,875,2912014Assets 2015: $4,882,445,644Liabilities 2015: $4,314,884,859Net Assets 2015: $567,560,7852015Assets 2016: $5,294,501,331Liabilities 2016: $4,678,033,989Net Assets 2016: $616,467,3422016Assets 2017: $5,571,210,016Liabilities 2017: $4,910,518,131Net Assets 2017: $660,691,8852017Assets 2018: $5,756,302,882Liabilities 2018: $5,042,935,749Net Assets 2018: $713,367,1332018Assets 2019: $6,051,859,737Liabilities 2019: $5,259,148,811Net Assets 2019: $792,710,9262019Assets 2020: $7,715,628,689Liabilities 2020: $6,869,935,325Net Assets 2020: $845,693,3642020Assets 2021: $9,023,056,278Liabilities 2021: $8,161,333,548Net Assets 2021: $861,722,7302021Assets 2022: $9,251,719,034Liabilities 2022: $8,627,411,201Net Assets 2022: $624,307,8332022Assets 2024: $8,652,742,905Liabilities 2024: $7,862,483,699Net Assets 2024: $790,259,2062024

Highlighted filing

2012

Assets$4,365,307,483
Liabilities$3,933,826,814
Net Assets$431,480,669
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600M$400M$200M$0Expenses 2010: $173,221,4652010Expenses 2011: $227,417,0612011Expenses 2012: $152,925,7362012Revenue 2013: $191,506,342Expenses 2013: $149,237,542Net Income 2013: $42,268,8002013Revenue 2014: $199,979,834Expenses 2014: $153,619,721Net Income 2014: $46,360,1132014Revenue 2015: $213,411,526Expenses 2015: $161,438,520Net Income 2015: $51,973,0062015Revenue 2016: $232,361,042Expenses 2016: $180,137,106Net Income 2016: $52,223,9362016Revenue 2017: $247,890,491Expenses 2017: $203,356,899Net Income 2017: $44,533,5922017Revenue 2018: $282,664,339Expenses 2018: $226,904,114Net Income 2018: $55,760,2252018Revenue 2019: $309,453,420Expenses 2019: $240,571,807Net Income 2019: $68,881,6132019Revenue 2020: $300,225,373Expenses 2020: $255,227,223Net Income 2020: $44,998,1502020Revenue 2021: $296,340,741Expenses 2021: $240,051,941Net Income 2021: $56,288,8002021Revenue 2022: $346,692,479Expenses 2022: $279,911,986Net Income 2022: $66,780,4932022Revenue 2024: $444,717,236Expenses 2024: $406,776,706Net Income 2024: $37,940,5302024

Highlighted filing

2012

Revenue-
Expenses$152,925,736
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 14, 2013
Return Version
2012v2.0
Gross Receipts
$194,635,281
Mission and Program Overview

Mission

We want to be metro atlanta's preferred place to bank, known for providing our members with honest value, superior service and trusted advice.

Filing and Contact Details

Filer

EIN
58-0904765
Raw XML AppendixShowing 400 of 688 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/SavingsAndTempCashInvestments/BOY0162742588
IRS990/SavingsAndTempCashInvestments/EOY0133568140
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Buildings/BookValue080122482
IRS990ScheduleD/Buildings/Depreciation013354067
IRS990ScheduleD/Buildings/InvestmentCostOrOtherBasis093476549
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis093476549
IRS990ScheduleD/Equipment/BookValue02351657
IRS990ScheduleD/Equipment/Depreciation015848891
IRS990ScheduleD/Equipment/InvestmentCostOrOtherBasis018200548
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis018200548
IRS990ScheduleD/ExpensesSubtotal0152925736
IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0PART X THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES. HOWEVER AS FURTHER DISCUSSED IN NOTE 9 THE CREDIT UNION MAY BE SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT) IN GEORGIA IF ANY. THERE WAS NO UBIT FOR THE YEARS ENDED DECEMBER 31 2012 AND 2011. MANAGEMENT EVALUATED THE CREDIT UNION'S TAX POSITIONS AND CONCLUDED THAT THE CREDIT UNION HAD TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT TO THE FINANCIAL STATEMENTS. THE CREDIT UNION FILES FORM 990 IN THE U.S. FEDERAL JURISDICTION AND THE STATE OF GEORGIA. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE (IRC) SECTION 501 (C) (14). AS SUCH THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN THE FUTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERVIED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AT ISSUE FOR MANY YEARS. THE IRS AND CERTAIN STATE TAXING AUTHORITIES ARE CURRENTLY REVISITING WHAT IF ANY PRODUCTS AND SERVICES PROVIDED BY THE CREDIT UNION ARE SUBJECT TO UBIT. THERE IS CURRENTLY VERY LITTLE GUIDANCE IN THE IRS CODE ON WHAT ACTIVITIES SHOULD BE SUBJECT TO UBIT. THE IRS HAS INDICATED THAT THEY ARE STUDYING THE ISSUE AND MAY ISSUE ADDITIONAL GUIDANCE. AS A RESULT AT THIS TIME THERE IS UNCERTAINTY REGARDING WHETHER THE CREDIT UNION SHOULD PAY INCOME TAX ON CERTAIN TYPES OF NET TAXABLE INCOME FROM ACTIVITIES THAT MAY BE CONSIDERED BY TAXING AUTHORITIES AS UNRELATED TO THE PURPOSE FOR WHICH THE CREDIT UNION WAS GRANTED NONTAXABLE STATUS. IN THE OPINION OF MANAGEMENT ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES DEEMED TO BE UNRELATED TO THE CREDIT UNION'S NONTAXABLE STATUS IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS.
IRS990ScheduleD/Land/BookValue027387621
IRS990ScheduleD/Land/InvestmentCostOrOtherBasis027387621
IRS990ScheduleD/Land/OtherCostOrOtherBasis027387621
IRS990ScheduleD/LeaseholdImprovements/BookValue03609911
IRS990ScheduleD/LeaseholdImprovements/Depreciation04170297
IRS990ScheduleD/LeaseholdImprovements/InvestmentCostOrOtherBasis07780208
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis07780208
IRS990ScheduleD/OtherLandBuildings/BookValue05170945
IRS990ScheduleD/OtherLandBuildings/Depreciation06188199
IRS990ScheduleD/OtherLandBuildings/InvestmentCostOrOtherBasis011359144
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis011359144
IRS990ScheduleD/OtherLiabilities/Amount03888384041
IRS990ScheduleD/OtherLiabilities/Description0MEMBER SHARES
IRS990ScheduleD/OtherSecurities/BookValue01384108295
IRS990ScheduleD/OtherSecurities/BookValue15
IRS990ScheduleD/OtherSecurities/BookValue28338838
IRS990ScheduleD/OtherSecurities/Description0AGENCY & TREASURY BONDS
IRS990ScheduleD/OtherSecurities/Description1CORPORATE CREDIT UNION CAPITAL
IRS990ScheduleD/OtherSecurities/Description2CUSO
IRS990ScheduleD/OtherSecurities/MethodOfValuation0C
IRS990ScheduleD/RevenueSubtotal0194635281
IRS990ScheduleD/TotalExpensesPerForm9900152925736
IRS990ScheduleD/TotalOfAmounts03888384041
IRS990ScheduleD/TotalOfBookValueLandBuildings0118642616
IRS990ScheduleD/TotalOfBookValueSecurities01392447138
IRS990ScheduleD/TotalRevenuePerForm9900194635281
IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt0152925736
IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt0194635281
IRS990ScheduleI/Form990ScheduleIPartIII/AmountOfCashGrant015000
IRS990ScheduleI/Form990ScheduleIPartIII/DescriptionOfNonCashAssistance0GENERAL SUPPORT

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
$4,365,307,483
Liabilities
$3,933,826,814
Net assets
$431,480,669
Revenue
-
Expenses
$152,925,736
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$8,653$7,862$790$445$407$37.9
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$9,252$8,627$624$347$280$66.8
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9,023$8,161$862$296$240$56.3
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$7,716$6,870$846$300$255$45.0
2019Summary only. Only limited summary data is available for this year.$6,052$5,259$793$309$241$68.9
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5,756$5,043$713$283$227$55.8
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5,571$4,911$661$248$203$44.5
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5,295$4,678$616$232$180$52.2
2015Facts available. Structured filing facts are available, but richer extracted sections are limited.$4,882$4,315$568$213$161$52.0
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,664$4,147$517$200$154$46.4
2013Summary only. Only limited summary data is available for this year.$4,499$4,033$466$192$149$42.3
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4,365$3,934$431$153
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,173$3,783$390$227
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,881$3,458$423$173