Civic Intelligence

Wcu Credit Union

990 • Fiscal year 2012 • EIN 63-0321814

Jan 01, 2012 to Dec 31, 2012

Decatur, AL
Siviq Scores

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

Liabilities / Assets

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2012

Liabilities / Revenue

97th percentile

13.64x

Higher debt load relative to revenue than 97% of similar nonprofits.

2012 filings • $10M-$25M nonprofits • Source year 2012

Net Margin

71st percentile

17%

Higher net margin than 71% of similar nonprofits.

2012 filings • $10M-$25M nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

15th percentile

-1.1%

Faster asset growth than 15% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2012

Assets

Down

$22,564,785

Down $239,668 (-1.1%) from 2011

Net Assets

Up

$2,070,900

Up $256,906 (+14%) from 2011

Liabilities

Down

$20,493,885

Down $496,574 (-2.4%) from 2011

Revenue

$1,502,074

No earlier filing loaded for comparison.

Expenses

Down

$1,245,168

Down $356,838 (-22%) from 2011

Net Income

$256,906

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$40M$30M$20M$10M$0Assets 2010: $21,755,339Liabilities 2010: $19,976,661Net Assets 2010: $1,778,6782010Assets 2011: $22,804,453Liabilities 2011: $20,990,459Net Assets 2011: $1,813,9942011Assets 2012: $22,564,785Liabilities 2012: $20,493,885Net Assets 2012: $2,070,9002012Assets 2013: $22,162,903Liabilities 2013: $19,963,516Net Assets 2013: $2,199,3872013Assets 2014: $21,816,632Liabilities 2014: $19,579,577Net Assets 2014: $2,237,0552014Assets 2015: $23,536,446Liabilities 2015: $21,302,392Net Assets 2015: $2,234,0542015Assets 2016: $24,070,193Liabilities 2016: $21,705,117Net Assets 2016: $2,365,0762016Assets 2017: $24,694,610Liabilities 2017: $22,211,847Net Assets 2017: $2,482,7632017Assets 2018: $25,115,151Liabilities 2018: $22,520,597Net Assets 2018: $2,594,5542018Assets 2019: $26,633,904Liabilities 2019: $23,955,928Net Assets 2019: $2,677,9762019Assets 2020: $31,658,558Liabilities 2020: $29,038,526Net Assets 2020: $2,620,0322020Assets 2021: $35,434,621Liabilities 2021: $32,882,404Net Assets 2021: $2,552,2172021Assets 2022: $35,953,682Liabilities 2022: $33,376,097Net Assets 2022: $2,577,5852022Assets 2023: $33,828,715Liabilities 2023: $30,998,220Net Assets 2023: $2,830,4952023Assets 2024: $34,439,075Liabilities 2024: $31,462,287Net Assets 2024: $2,976,7882024

Highlighted filing

2012

Assets$22,564,785
Liabilities$20,493,885
Net Assets$2,070,900

Operations Trend

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

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,607,0812010Expenses 2011: $1,602,0062011Revenue 2012: $1,502,074Expenses 2012: $1,245,168Net Income 2012: $256,9062012Revenue 2013: $1,338,044Expenses 2013: $1,209,557Net Income 2013: $128,4872013Revenue 2014: $1,241,821Expenses 2014: $1,204,153Net Income 2014: $37,6682014Revenue 2015: $1,149,411Expenses 2015: $1,152,412Net Income 2015: -$3,0012015Revenue 2016: $1,276,175Expenses 2016: $1,145,153Net Income 2016: $131,0222016Revenue 2017: $1,389,160Expenses 2017: $1,271,473Net Income 2017: $117,6872017Revenue 2018: $1,455,128Expenses 2018: $1,343,337Net Income 2018: $111,7912018Revenue 2019: $1,473,487Expenses 2019: $1,390,065Net Income 2019: $83,4222019Revenue 2020: $1,321,478Expenses 2020: $1,379,422Net Income 2020: -$57,9442020Revenue 2021: $1,252,585Expenses 2021: $1,320,400Net Income 2021: -$67,8152021Revenue 2022: $1,433,001Expenses 2022: $1,407,633Net Income 2022: $25,3682022Revenue 2023: $1,811,705Expenses 2023: $1,558,795Net Income 2023: $252,9102023Revenue 2024: $1,959,860Expenses 2024: $1,813,567Net Income 2024: $146,2932024

Highlighted filing

2012

Revenue$1,502,074
Expenses$1,245,168
Net Income$256,906
Filing Detail Status

This 2012 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

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Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Mission and Program Overview

Mission

To provide thrift opportunities and low cost loans to members

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$34.4$31.5$2.98$1.96$1.81$0.15
2023Detailed filing. Detailed filing data is available for this year.$33.8$31.0$2.83$1.81$1.56$0.25
2022Detailed filing. Detailed filing data is available for this year.$36.0$33.4$2.58$1.43$1.41$0.03
2021Detailed filing. Detailed filing data is available for this year.$35.4$32.9$2.55$1.25$1.32$0.07
2020Detailed filing. Detailed filing data is available for this year.$31.7$29.0$2.62$1.32$1.38$0.06
2019Detailed filing. Detailed filing data is available for this year.$26.6$24.0$2.68$1.47$1.39$0.08
2018Detailed filing. Detailed filing data is available for this year.$25.1$22.5$2.59$1.46$1.34$0.11
2017Detailed filing. Detailed filing data is available for this year.$24.7$22.2$2.48$1.39$1.27$0.12
2016Detailed filing. Detailed filing data is available for this year.$24.1$21.7$2.37$1.28$1.15$0.13
2015Detailed filing. Detailed filing data is available for this year.$23.5$21.3$2.23$1.15$1.15$0.00
2014Summary only. Only limited summary data is available for this year.$21.8$19.6$2.24$1.24$1.20$0.04
2013Detailed filing. Detailed filing data is available for this year.$22.2$20.0$2.20$1.34$1.21$0.13
2012Summary only. Only limited summary data is available for this year.$22.6$20.5$2.07$1.50$1.25$0.26
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.8$21.0$1.81$1.60
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.8$20.0$1.78$1.61