Civic Intelligence

Life Credit Union

990 • Fiscal year 2012 • EIN 62-0607232

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

Organization Profilewww.lifecu.org

View Organization Page

2010 CHURCH ST Room 20437203-2078
Siviq Scores

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

Liabilities / Assets

63rd percentile

0.89x

Higher debt load relative to assets than 63% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M 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

97th percentile

14%

Faster asset growth than 97% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M 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 / Assets63rd percentile

Assets

Up

$28,478,081

Up $3,418,916 (+14%) from 2011

Net Assets

Up

$3,077,003

Up $253,973 (+9.0%) from 2011

Liabilities

Up

$25,401,078

Up $3,164,943 (+14%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$2,065,938

Down $139,668 (-6.3%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth97th percentile

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

$60M$40M$20M$0Assets 2010: $22,823,148Liabilities 2010: $20,038,663Net Assets 2010: $2,784,4852010Assets 2011: $25,059,165Liabilities 2011: $22,236,135Net Assets 2011: $2,823,0302011Assets 2012: $28,478,081Liabilities 2012: $25,401,078Net Assets 2012: $3,077,0032012Assets 2013: $29,676,076Liabilities 2013: $26,333,531Net Assets 2013: $3,342,5452013Assets 2014: $30,258,122Liabilities 2014: $26,687,439Net Assets 2014: $3,570,6832014Assets 2015: $31,506,230Liabilities 2015: $27,803,547Net Assets 2015: $3,702,6832015Assets 2016: $32,616,361Liabilities 2016: $28,764,507Net Assets 2016: $3,851,8542016Assets 2017: $33,830,548Liabilities 2017: $29,806,380Net Assets 2017: $4,024,1682017Assets 2018: $34,081,458Liabilities 2018: $30,103,185Net Assets 2018: $3,978,2732018Assets 2019: $34,355,140Liabilities 2019: $30,270,259Net Assets 2019: $4,084,8812019Assets 2020: $41,044,841Liabilities 2020: $37,169,338Net Assets 2020: $3,875,5032020

Highlighted filing

2012

Assets$28,478,081
Liabilities$25,401,078
Net Assets$3,077,003
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,921,8732010Revenue 2011: $2,273,633Expenses 2011: $2,205,606Net Income 2011: $68,0272011Expenses 2012: $2,065,9382012Revenue 2013: $2,242,853Expenses 2013: $1,977,311Net Income 2013: $265,5422013Revenue 2014: $2,194,386Expenses 2014: $1,966,220Net Income 2014: $228,1662014Revenue 2015: $2,200,676Expenses 2015: $2,068,704Net Income 2015: $131,9722015Revenue 2016: $2,388,715Expenses 2016: $2,239,544Net Income 2016: $149,1712016Revenue 2017: $2,482,818Expenses 2017: $2,310,504Net Income 2017: $172,3142017Revenue 2018: $2,561,707Expenses 2018: $2,607,602Net Income 2018: -$45,8952018Revenue 2019: $2,552,637Expenses 2019: $2,446,029Net Income 2019: $106,6082019Revenue 2020: $2,184,095Expenses 2020: $2,393,473Net Income 2020: -$209,3782020

Highlighted filing

2012

Revenue-
Expenses$2,065,938
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 6, 2013
Return Version
2012v2.2
Gross Receipts
$2,319,911
Mission and Program Overview

Mission

Provide quality, personal service that meets or exceeds member needs. Our goal is to develop and promote competitively-priced financial serivces, and deliver those services in a professional, convenient, efficient and cost effective manner.

Filing and Contact Details

Filer

EIN
62-0607232
Raw XML AppendixShowing 400 of 464 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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IRS990ScheduleO/GeneralExplanation/Explanation0EACH INDIVIDUAL WHO OPENS A SHARE/SAVINGS ACCOUNT BECOMES A MEMBER OF THE CREDIT UNION. THE MEMBERS VOTE ON THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE 990 IS REVIEWED BY THE PRESIDENT/CEO BEFORE FILING. ANY BOARD MEMBER CAN REQUEST A COPY OF THE 990.
IRS990ScheduleO/GeneralExplanation/Explanation2A CODE OF CONDUCT IS SIGNED ANNUALLY
IRS990ScheduleO/GeneralExplanation/Explanation3A SOFTWARE PACKAGE IS UTILIZED THAT GIVES COMPARABILITY DATA FOR PERSONNEL BASED ON COMPARABLE INDUSTRIES AND MARKETS. EACH OFFICER AND/OR EMPLOYEE RECEIVES AN ANNUAL REVIEW.
IRS990ScheduleO/GeneralExplanation/Explanation4COPIES WILL BE PROVIDED UPON REQUEST
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990 Part VI
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990 Part VI
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990 Part VI
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990 Part VI
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990 Part VI
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IRS990ScheduleO/GeneralExplanation/ReturnReference4C 19
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0TN
IRS990/StatesWhereCopyOfReturnIsFiled0TN
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine102010 Church St Ste 204
IRS990/TheBooksAreInCareOf/AddressUS/City0Nashville
IRS990/TheBooksAreInCareOf/AddressUS/State0TN
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode0372032078
IRS990/TheBooksAreInCareOf/NamePerson0Pam Tenpenny
IRS990/TheBooksAreInCareOf/TelephoneNumber06152845091
IRS990/TotalAssets/BOY025059165

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$28,478,081
Liabilities
$25,401,078
Net assets
$3,077,003
Revenue
-
Expenses
$2,065,938
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.0$37.2$3.88$2.18$2.39$0.21
2019Summary only. Only limited summary data is available for this year.$34.4$30.3$4.08$2.55$2.45$0.11
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.1$30.1$3.98$2.56$2.61$0.05
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.8$29.8$4.02$2.48$2.31$0.17
2016Summary only. Only limited summary data is available for this year.$32.6$28.8$3.85$2.39$2.24$0.15
2015Summary only. Only limited summary data is available for this year.$31.5$27.8$3.70$2.20$2.07$0.13
2014Detailed filing. Detailed filing data is available for this year.$30.3$26.7$3.57$2.19$1.97$0.23
2013Detailed filing. Detailed filing data is available for this year.$29.7$26.3$3.34$2.24$1.98$0.27
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.5$25.4$3.08$2.07
2011Summary only. Only limited summary data is available for this year.$25.1$22.2$2.82$2.27$2.21$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.8$20.0$2.78$1.92