Civic Intelligence

Five Star Credit Union

990 • Fiscal year 2011 • EIN 58-0960142

Jan 01, 2011 to Dec 31, 2011 • Filed on Oct 31, 2012

Organization Profilewww.fivestarcu.com

View Organization Page

411 N Foster Street36302
Siviq Scores

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

Liabilities / Assets

49th percentile

0.90x

Higher debt load relative to assets than 49% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

59th percentile

5.7%

Faster asset growth than 59% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$183,531,146

Up $9,823,627 (+5.7%) from 2010

Net Assets

Up

$19,076,179

Up $3,289,414 (+21%) from 2010

Liabilities

Up

$164,454,967

Up $6,534,213 (+4.1%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$9,647,711

Down $3,130,839 (-25%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth59th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $173,707,519Liabilities 2010: $157,920,754Net Assets 2010: $15,786,7652010Assets 2011: $183,531,146Liabilities 2011: $164,454,967Net Assets 2011: $19,076,1792011Assets 2012: $251,608,110Liabilities 2012: $230,020,627Net Assets 2012: $21,587,4832012Assets 2013: $253,484,056Liabilities 2013: $229,789,049Net Assets 2013: $23,695,0072013Assets 2014: $317,649,991Liabilities 2014: $289,366,703Net Assets 2014: $28,283,2882014Assets 2015: $365,830,803Liabilities 2015: $333,480,999Net Assets 2015: $32,349,8042015Assets 2016: $384,613,764Liabilities 2016: $347,462,781Net Assets 2016: $37,150,9832016Assets 2017: $383,486,513Liabilities 2017: $340,347,985Net Assets 2017: $43,138,5282017Assets 2018: $434,524,436Liabilities 2018: $384,588,699Net Assets 2018: $49,935,7372018Assets 2019: $463,275,656Liabilities 2019: $402,847,992Net Assets 2019: $60,427,6642019Assets 2020: $557,122,826Liabilities 2020: $488,148,478Net Assets 2020: $68,974,3482020Assets 2021: $661,046,497Liabilities 2021: $585,967,942Net Assets 2021: $75,078,5552021Assets 2022: $748,664,965Liabilities 2022: $684,977,348Net Assets 2022: $63,687,6172022Assets 2023: $798,518,963Liabilities 2023: $722,999,493Net Assets 2023: $75,519,4702023Assets 2024: $1,190,716,101Liabilities 2024: $1,109,799,629Net Assets 2024: $80,916,4722024

Highlighted filing

2011

Assets$183,531,146
Liabilities$164,454,967
Net Assets$19,076,179
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$100M$50M$0Expenses 2010: $12,778,5502010Expenses 2011: $9,647,7112011Revenue 2012: $14,646,092Expenses 2012: $12,557,226Net Income 2012: $2,088,8662012Revenue 2013: $15,855,647Expenses 2013: $12,839,068Net Income 2013: $3,016,5792013Revenue 2014: $18,354,418Expenses 2014: $14,445,868Net Income 2014: $3,908,5502014Revenue 2015: $22,908,737Expenses 2015: $18,653,858Net Income 2015: $4,254,8792015Revenue 2016: $24,945,492Expenses 2016: $19,513,071Net Income 2016: $5,432,4212016Revenue 2017: $26,969,322Expenses 2017: $21,030,877Net Income 2017: $5,938,4452017Revenue 2018: $29,317,856Expenses 2018: $22,310,986Net Income 2018: $7,006,8702018Revenue 2019: $33,606,623Expenses 2019: $25,039,310Net Income 2019: $8,567,3132019Revenue 2020: $33,601,064Expenses 2020: $26,653,983Net Income 2020: $6,947,0812020Revenue 2021: $37,991,386Expenses 2021: $27,776,849Net Income 2021: $10,214,5372021Revenue 2022: $44,908,248Expenses 2022: $32,751,215Net Income 2022: $12,157,0332022Revenue 2023: $54,121,623Expenses 2023: $41,912,042Net Income 2023: $12,209,5812023Revenue 2024: $80,102,561Expenses 2024: $74,846,606Net Income 2024: $5,255,9552024

Highlighted filing

2011

Revenue-
Expenses$9,647,711
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Oct 31, 2012
Return Version
2011v1.2
Gross Receipts
$12,798,330
Mission and Program Overview

Mission

The credit union is a cooperative association which was organized to promote thrift among its members as well as to provide them with a source of credit. Five star serves members in counties in the southeast region of alabama and georgia. The total number of members served is in excess of 35,000.

Major Activities

Activity 2
To meet the financial needs of our members, five star provides a source of credit by offering a variety of consumer and mortgage lending products at reasonable rates of interest.
Filing and Contact Details

Filer

EIN
58-0960142
Raw XML AppendixShowing 400 of 457 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/MissionDescription0THE CREDIT UNION IS A COOPERATIVE ASSOCIATION WHICH WAS ORGANIZED TO PROMOTE THRIFT AMONG ITS MEMBERS AS WELL AS TO PROVIDE THEM WITH A SOURCE OF CREDIT. FIVE STAR SERVES MEMBERS IN COUNTIES IN THE SOUTHEAST REGION OF ALABAMA AND GEORGIA. THE TOTAL NUMBER OF MEMBERS SERVED IS IN EXCESS OF 16,000.
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IRS990ScheduleJ/WrittenPolicyReTAndEExpenses01
IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION IS OWNED BY ITS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1BOARD MEMBERS ARE ELECTED BY A VOTE OF THE GENERAL MEMBERSHIP. BOARD MEMBERS ARE ELECTED FOR A THREE-YEAR TERM. THE TERM EXPIRATIONS ALTERNATE SO THAT ONLY TWO OR THREE BOARD MEMBERS ARE UP FOR REELECTION EACH YEAR. THE MEMBERSHIP IS NOTIFIED OF THE ELECTION THROUGH NOTICES IN THE BRANCHES AND THROUGH MAILED BALLOTS. AN INDEPENDENT TELLER SERVICE IS HIRED TO TABULATE THE RESULTS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE 990 IS REVIEWED BY THE CFO AND CEO PRIOR TO FILING.
IRS990ScheduleO/GeneralExplanation/Explanation3COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY IS MONITORED BY THE HUMAN RESOURCES MANAGER.
IRS990ScheduleO/GeneralExplanation/Explanation4THE BOARD REVIEWS AND APPROVES THE CEO'S COMPENSATION. OTHER MANAGEMENT AND KEY EMPLOYEES ARE GRADED USING THE COMPEASE SALARY ADMINISTRATION PLAN MATRIX. THE SALARY MATRIX FOR EMPLOYEES IS REVIEWED EACH NOVEMBER BASED ON CURRENT TRENDS. THE MATRIX IS EFFECTIVE FOR THE FOLLOWING CALENDAR YEAR. AN EMPLOYEE'S APPRAISAL SCORE CORRELATES WITH THE MATRIX TO DETERMINE THE INCREASE. IF THERE ARE ANY REQUESTS OUTSIDE THE MATRIX, THE CEO MUST APPROVE THE REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation5THE CREDIT UNION'S FINANCIAL STATEMENTS ARE POSTED IN EACH OF THE BRANCHES MONTHLY FOR MEMBERS TO REVIEW. GOVERNING DOCUMENTS AND POLICIES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation6NET UNREALIZED GAINS ON INVESTMENTS: 162,340.
IRS990ScheduleO/GeneralExplanation/Explanation7THE CREDIT UNION RECEIVES AN ANNUAL FINANCIAL STATEMENT AUDIT PERFORMED BY INDEPENDENT ACCOUNTANTS. HOWEVER, THE AUDIT PERIOD IS FROM APRIL 1ST TO MARCH 31ST. THE MOST RECENT AUDITED FINANCIALS AS OF 12/31/11 WERE FOR YEAR ENDED 3/31/11.
IRS990ScheduleO/GeneralExplanation/Explanation8THE CREDIT UNION DID NOT CHANGE ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART XI, LINE 5:
IRS990ScheduleO/GeneralExplanation/ReturnReference7PART XII, FINANCIAL STATEMENTS AND REPORTING, LINE 2B
IRS990ScheduleO/GeneralExplanation/ReturnReference8PART XII, FINANCIAL STATEMENTS AND REPORTING, LINE 2B
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0AL
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10411 N FOSTER STREET
IRS990/TheBooksAreInCareOf/AddressUS/City0DOTHAN
IRS990/TheBooksAreInCareOf/AddressUS/State0AL
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode036302
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10ROBERT ASTEENSMA
IRS990/TheBooksAreInCareOf/TelephoneNumber03347937714
IRS990/TotalAssets/BOY0173707519
IRS990/TotalAssetsBOY0173707519
IRS990/TotalAssets/EOY0183531146
IRS990/TotalAssetsEOY0183531146
IRS990/TotalCompGT150K01
IRS990/TotalExpensesCurrentYear09647711
IRS990/TotalExpensesPriorYear012778550
IRS990/TotalFunctionalExpenses/Total09647711
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI054519
IRS990/TotalLiabilities/BOY0157920754

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$183,531,146
Liabilities
$164,454,967
Net assets
$19,076,179
Revenue
-
Expenses
$9,647,711
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,191$1,110$80.9$80.1$74.8$5.26
2023Summary only. Only limited summary data is available for this year.$799$723$75.5$54.1$41.9$12.2
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$749$685$63.7$44.9$32.8$12.2
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$661$586$75.1$38.0$27.8$10.2
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$557$488$69.0$33.6$26.7$6.95
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$463$403$60.4$33.6$25.0$8.57
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$435$385$49.9$29.3$22.3$7.01
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$383$340$43.1$27.0$21.0$5.94
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$385$347$37.2$24.9$19.5$5.43
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$366$333$32.3$22.9$18.7$4.25
2014Detailed filing. Detailed filing data is available for this year.$318$289$28.3$18.4$14.4$3.91
2013Detailed filing. Detailed filing data is available for this year.$253$230$23.7$15.9$12.8$3.02
2012Summary only. Only limited summary data is available for this year.$252$230$21.6$14.6$12.6$2.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$184$164$19.1$9.65
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$174$158$15.8$12.8