Civic Intelligence

Guardian Credit Union

990 • Fiscal year 2012 • EIN 63-0421006

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 05, 2013

Organization ProfileWWW.MYGUARDIANCU.COM

View Organization Page

PO Box 319936109
Siviq Scores

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

Liabilities / Assets

18th percentile

0.86x

Higher debt load relative to assets than 18% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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

62nd percentile

6.6%

Faster asset growth than 62% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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 / Assets18th percentile

Assets

Up

$228,846,971

Up $14,111,374 (+6.6%) from 2011

Net Assets

Up

$31,875,575

Up $1,928,086 (+6.4%) from 2011

Liabilities

Up

$196,971,396

Up $12,183,288 (+6.6%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$11,186,295

Up $1,126,388 (+11%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth62nd percentile

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

$1.5B$1.0B$500M$0Assets 2010: $203,553,688Liabilities 2010: $178,668,208Net Assets 2010: $24,885,4802010Assets 2011: $214,735,597Liabilities 2011: $184,788,108Net Assets 2011: $29,947,4892011Assets 2012: $228,846,971Liabilities 2012: $196,971,396Net Assets 2012: $31,875,5752012Assets 2013: $252,460,153Liabilities 2013: $221,441,127Net Assets 2013: $31,019,0262013Assets 2014: $297,186,421Liabilities 2014: $264,527,632Net Assets 2014: $32,658,7892014Assets 2015: $334,844,813Liabilities 2015: $301,194,778Net Assets 2015: $33,650,0352015Assets 2016: $376,518,549Liabilities 2016: $340,325,302Net Assets 2016: $36,193,2472016Assets 2017: $450,091,651Liabilities 2017: $408,938,810Net Assets 2017: $41,152,8412017Assets 2018: $486,969,411Liabilities 2018: $439,968,232Net Assets 2018: $47,001,1792018Assets 2019: $574,064,768Liabilities 2019: $522,250,867Net Assets 2019: $51,813,9012019Assets 2020: $694,104,820Liabilities 2020: $634,223,376Net Assets 2020: $59,881,4442020Assets 2021: $763,618,487Liabilities 2021: $694,288,018Net Assets 2021: $69,330,4692021Assets 2022: $865,286,128Liabilities 2022: $794,140,086Net Assets 2022: $71,146,0422022Assets 2023: $1,018,202,202Liabilities 2023: $935,845,298Net Assets 2023: $82,356,9042023Assets 2024: $1,052,558,670Liabilities 2024: $962,171,157Net Assets 2024: $90,387,5132024

Highlighted filing

2012

Assets$228,846,971
Liabilities$196,971,396
Net Assets$31,875,575
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$100M$50M$0Expenses 2010: $7,576,1282010Expenses 2011: $10,059,9072011Expenses 2012: $11,186,2952012Revenue 2013: $13,426,348Expenses 2013: $11,925,582Net Income 2013: $1,500,7662013Revenue 2014: $18,676,233Expenses 2014: $17,616,073Net Income 2014: $1,060,1602014Revenue 2015: $23,396,976Expenses 2015: $21,756,627Net Income 2015: $1,640,3492015Revenue 2016: $28,946,661Expenses 2016: $26,196,701Net Income 2016: $2,749,9602016Revenue 2017: $33,564,846Expenses 2017: $29,234,682Net Income 2017: $4,330,1642017Revenue 2018: $40,778,508Expenses 2018: $34,453,848Net Income 2018: $6,324,6602018Revenue 2019: $45,079,483Expenses 2019: $40,276,428Net Income 2019: $4,803,0552019Revenue 2020: $49,250,705Expenses 2020: $42,328,955Net Income 2020: $6,921,7502020Revenue 2021: $55,701,810Expenses 2021: $45,563,567Net Income 2021: $10,138,2432021Revenue 2022: $62,110,372Expenses 2022: $52,025,320Net Income 2022: $10,085,0522022Revenue 2023: $79,832,389Expenses 2023: $69,635,277Net Income 2023: $10,197,1122023Revenue 2024: $93,729,120Expenses 2024: $86,394,653Net Income 2024: $7,334,4672024

Highlighted filing

2012

Revenue-
Expenses$11,186,295
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 5, 2013
Return Version
2012v2.1
Gross Receipts
$15,488,587
Mission and Program Overview

Mission

Cooperative society incorporated for the two-fold purpose of promoting thrift among its members and creating a source of credit for them at legitimate rates of interest.

Filing and Contact Details

Filer

EIN
63-0421006
Raw XML AppendixShowing 400 of 466 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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IRS990ScheduleJ/Form990ScheduleJPartII/Title0PRESIDENT/CEO
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0158831
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IRS990/ScheduleJRequired01
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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION'S BYLAWS WERE AMENDED TO STATE THAT ALL OTHER NOMINATIONS FOR ANY VACANCY OF THE BOARD FOR WHICH ELECTIONS WILL BE HELD AT THE ANNUAL MEETING WILL BE DONE BY WRITTEN PETITIONS, WHICH MUST BE RECEIVED BY THE NOMINATING COMOMITTEE AT LEAST FORTY-FIVE DAYS PRIOR TO THE ANNUAL MEETING. IN ORDER FOR A PETITION TO BE CONSIDERED VALID, IT MUST CONTAIN TWO PERCENT OF THE SIGNATURES OF THE MEMBERSHIP, OR 150 SIGNATURES, WHICHEVER REPRESENTS THE LESSER NUMBER OF THE MEMBERSHIP. NO NOMINATIONS WILL BE ACCEPTED FROM THE FLOOR AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CREDIT UNION IS OWNED BY ITS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE BOARD OF DIRECTORS CONSISTS OF NINE BOARD MEMBERS WHO ARE ELECTED AT THE ANNUAL MEETING BY THE MEMBERSHIP. THE TERM FOR EACH BOARD MEMBER IS THREE YEARS. THE NOMINATING COMMITTEE NOMINATES SOMEONE FOR OPEN POSITIONS OR A NAME MAY BE PLACED ON THE BALLOT BY PETITION.
IRS990ScheduleO/GeneralExplanation/Explanation3THE FOLLOWING TYPES OF DECISIONS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION'S MEMBERS: DISSOLUTION OF THE CREDIT UNION, ELECTION AND TERMINATION OF BOARD OR COMMITTEE MEMBERS, EXPULSION OF CREDIT UNION MEMBERS, AND CONVERSION FROM STATE TO FEDERAL CHARTER.
IRS990ScheduleO/GeneralExplanation/Explanation4MANAGEMENT PERFORMS A REVIEW OF THE FORM 990 PRIOR TO FILING.
IRS990ScheduleO/GeneralExplanation/Explanation5MANAGEMENT'S COMPENSATION IS DETERMINED AND APPROVED BY THE CREDIT UNION'S BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation6THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. THE CREDIT UNION'S FINANCIAL STATEMENTS CAN BE FOUND ON THE WEBSITE OF THE NCUA AT WWW.NCUA.GOV.
IRS990ScheduleO/GeneralExplanation/Explanation7PENSION LIABILITY ADJUSTMENT 394,854. PRIOR PERIOD ADJUSTMENT DUE TO MERGER WITH COMALA CREDIT UNION -221,079.
IRS990ScheduleO/GeneralExplanation/Explanation8THE CREDIT UNION RECEIVES A FINANCIAL STATEMENT AUDIT EVERY TWO YEARS. THE LAST AUDIT RECEIVED WAS AS OF DECEMBER 31, 2011.
IRS990ScheduleO/GeneralExplanation/Explanation9THE CREDIT UNION HAS A SUPERVISORY COMMITTEE COMPRISED OF THREE VOLUNTEERS WHO ARE RESPONSIBLE FOR THE OVERSIGHT OF THE BI-ANNUAL FINANCIAL STATEMENT AUDIT AND THE SELECTION OF THE INDEPENDENT ACCOUNTANTS.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 4
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART XI, LINE 9:
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PART XII, LINE 2B
IRS990ScheduleO/GeneralExplanation/ReturnReference9FORM 990, PART XII, FINANCIAL STATEMENT AND REPORTING, LINE 2(C)
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IRS990/TotalAssets/BOY0214735597
IRS990/TotalAssetsBOY0214735597

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
$228,846,971
Liabilities
$196,971,396
Net assets
$31,875,575
Revenue
-
Expenses
$11,186,295
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,053$962$90.4$93.7$86.4$7.33
2023Detailed filing. Detailed filing data is available for this year.$1,018$936$82.4$79.8$69.6$10.2
2022Detailed filing. Detailed filing data is available for this year.$865$794$71.1$62.1$52.0$10.1
2021Detailed filing. Detailed filing data is available for this year.$764$694$69.3$55.7$45.6$10.1
2020Detailed filing. Detailed filing data is available for this year.$694$634$59.9$49.3$42.3$6.92
2019Detailed filing. Detailed filing data is available for this year.$574$522$51.8$45.1$40.3$4.80
2018Detailed filing. Detailed filing data is available for this year.$487$440$47.0$40.8$34.5$6.32
2017Detailed filing. Detailed filing data is available for this year.$450$409$41.2$33.6$29.2$4.33
2016Detailed filing. Detailed filing data is available for this year.$377$340$36.2$28.9$26.2$2.75
2015Detailed filing. Detailed filing data is available for this year.$335$301$33.7$23.4$21.8$1.64
2014Detailed filing. Detailed filing data is available for this year.$297$265$32.7$18.7$17.6$1.06
2013Detailed filing. Detailed filing data is available for this year.$252$221$31.0$13.4$11.9$1.50
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$229$197$31.9$11.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$215$185$29.9$10.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$204$179$24.9$7.58