Civic Intelligence

Unknown Organization

990 • Fiscal year 2012 • EIN 59-0564247

Jan 01, 2012 to Dec 31, 2012 • Filed on Jun 07, 2013

Organization Profilewww.pcufla.org

View Organization Page

9560 Pines Boulevard33024
Siviq Scores

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

Liabilities / Assets

73rd percentile

0.91x

Higher debt load relative to assets than 73% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M 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

54th percentile

5.1%

Faster asset growth than 54% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M 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 / Assets73rd percentile

Assets

Up

$78,305,736

Up $3,827,859 (+5.1%) from 2011

Net Assets

Up

$7,149,354

Up $20,653 (+0.3%) from 2011

Liabilities

Up

$71,156,382

Up $3,807,206 (+5.7%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$4,849,060

Down $440,403 (-8.3%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth54th percentile

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

$80M$60M$40M$20M$0Assets 2010: $73,111,144Liabilities 2010: $65,443,274Net Assets 2010: $7,667,8702010Assets 2011: $74,477,877Liabilities 2011: $67,349,176Net Assets 2011: $7,128,7012011Assets 2012: $78,305,736Liabilities 2012: $71,156,382Net Assets 2012: $7,149,3542012Assets 2013: $77,745,305Liabilities 2013: $70,657,920Net Assets 2013: $7,087,3852013Assets 2014: $76,693,585Liabilities 2014: $71,390,426Net Assets 2014: $5,303,1592014Assets 2015: $1Liabilities 2015: $0Net Assets 2015: $02015

Highlighted filing

2012

Assets$78,305,736
Liabilities$71,156,382
Net Assets$7,149,354
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$10M$5.0M$0-$5.0MExpenses 2010: $5,631,8732010Expenses 2011: $5,289,4632011Expenses 2012: $4,849,0602012Revenue 2013: $5,871,126Expenses 2013: $5,149,230Net Income 2013: $721,8962013Revenue 2014: $5,658,533Expenses 2014: $7,945,854Net Income 2014: -$2,287,3212014Revenue 2015: $4,063,538Expenses 2015: $5,042,124Net Income 2015: -$978,5862015

Highlighted filing

2012

Revenue-
Expenses$4,849,060
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Jun 7, 2013
Return Version
2012v2.2
Gross Receipts
$19,353,137
Mission and Program Overview

Mission

COMMUNITY CREDIT UNION

Filing and Contact Details

Filer

EIN
59-0564247
Raw XML AppendixShowing 400 of 443 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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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. BEGINNING 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.
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IRS990ScheduleD/OtherLiabilities/Description2MEMBER DEPOSITS - SHARE DRAFT ACCOUNTS
IRS990ScheduleD/OtherLiabilities/Description3MEMBER DEPOSITS - CERTIFICATES
IRS990ScheduleD/OtherLiabilities/Description4MEMBER DEPOSITS - IRAs
IRS990ScheduleD/OtherLiabilities/Description5MEMBER DEPOSITS - MONEY MARKET ACCOUNTS
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IRS990ScheduleO/GeneralExplanation/Explanation0Form 990 Part VI Section A Line 6 THE ORGANIZATION HAS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1Form 990 Part VI Section A Line 7A THE CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN THE ELECTION OF OFFICIALS.
IRS990ScheduleO/GeneralExplanation/Explanation2Form 990 Part VI Section A Line 11B FORM 990 IS REVIEWED BY THE BOARD OF DIRECTORS AND CEO AS PART OF THE BOARD PACKET AT A FUTURE MEETING AND WILL BE RECORDED IN THE MINUTES OF THAT MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation3Form 990 Part VI Section B Line 15A,B THE REVIEW OF THE CEOS COMPENSATION IS A FUNCTION OF THE BOARD OF DIRECTORS. ANNUALLY, THE BOARD USES COMPEASE FROM AN INDEPENDENT THIRD PARTY TO DETERMINE THE CEOS COMPENSATION. THE CEO USES COMPEASE TO REVIEW SALARIES AND PAY RANGES ON AN ANNUAL BASIS FOR ALL OTHER EMPLOYEES.
IRS990ScheduleO/GeneralExplanation/Explanation4Form 990 Part VI Section C Line 19 THE CREDIT UNIONS GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON NCUA.GOV VIA THE QUARTERLY 5300 FILING.
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IRS990/TheBooksAreInCareOf/AddressUS/AddressLine109560 PINES BOULEVARD
IRS990/TheBooksAreInCareOf/AddressUS/City0PEMBROKE PINES
IRS990/TheBooksAreInCareOf/AddressUS/State0FL
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode033024
IRS990/TheBooksAreInCareOf/NamePerson0WILLIAM WASSERSTROM
IRS990/TheBooksAreInCareOf/TelephoneNumber09545151517
IRS990/TotalAssets/BOY074477877
IRS990/TotalAssetsBOY074477877
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IRS990/TotalExpensesCurrentYear04849060
IRS990/TotalExpensesPriorYear05289463
IRS990/TotalFunctionalExpenses/ProgramServices04849060
IRS990/TotalFunctionalExpenses/Total04849060
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI0263789
IRS990/TotalLiabilities/BOY067349176
IRS990/TotalLiabilitiesBOY067349176
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IRS990/TotalNbrEmployees046
IRS990/TotalNbrVolunteers07
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IRS990/TotalNetAssetsFundBalances/EOY07149354
IRS990/TotalOtherCompensation023647
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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
$78,305,736
Liabilities
$71,156,382
Net assets
$7,149,354
Revenue
-
Expenses
$4,849,060
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Summary only. Only limited summary data is available for this year.$0.00$0.00$0.00$4.06$5.04$0.98
2014Detailed filing. Detailed filing data is available for this year.$76.7$71.4$5.30$5.66$7.95$2.29
2013Detailed filing. Detailed filing data is available for this year.$77.7$70.7$7.09$5.87$5.15$0.72
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$78.3$71.2$7.15$4.85
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.5$67.3$7.13$5.29
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$73.1$65.4$7.67$5.63