Civic Intelligence

Navigator Credit Union

990 • Fiscal year 2012 • EIN 64-0179401

Jan 01, 2012 to Dec 31, 2012 • Filed on Sep 26, 2013

Organization ProfileWWW.NAVIGATORCU.ORG

View Organization Page

Pobox 164739568
Siviq Scores

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

Liabilities / Assets

23rd percentile

0.87x

Higher debt load relative to assets than 23% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B 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

58th percentile

6.8%

Faster asset growth than 58% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B 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 / Assets23rd percentile

Assets

Up

$263,229,790

Up $16,673,269 (+6.8%) from 2011

Net Assets

Up

$34,774,776

Up $2,588,673 (+8.0%) from 2011

Liabilities

Up

$228,455,014

Up $14,084,596 (+6.6%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$17,893,195

Up $634,999 (+3.7%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth58th percentile

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

$600M$400M$200M$0Assets 2010: $233,655,869Liabilities 2010: $203,300,984Net Assets 2010: $30,354,8852010Assets 2011: $246,556,521Liabilities 2011: $214,370,418Net Assets 2011: $32,186,1032011Assets 2012: $263,229,790Liabilities 2012: $228,455,014Net Assets 2012: $34,774,7762012Assets 2013: $272,994,330Liabilities 2013: $236,197,440Net Assets 2013: $36,796,8902013Assets 2014: $289,055,509Liabilities 2014: $250,357,612Net Assets 2014: $38,697,8972014Assets 2015: $309,470,301Liabilities 2015: $268,885,456Net Assets 2015: $40,584,8452015Assets 2016: $336,383,177Liabilities 2016: $293,298,368Net Assets 2016: $43,084,8092016Assets 2017: $344,235,058Liabilities 2017: $301,454,229Net Assets 2017: $42,780,8292017Assets 2018: $332,443,355Liabilities 2018: $289,159,236Net Assets 2018: $43,284,1192018Assets 2019: $328,801,170Liabilities 2019: $284,228,167Net Assets 2019: $44,573,0032019Assets 2020: $392,899,473Liabilities 2020: $346,455,488Net Assets 2020: $46,443,9852020Assets 2021: $437,761,691Liabilities 2021: $388,826,365Net Assets 2021: $48,935,3262021Assets 2022: $418,420,655Liabilities 2022: $365,222,948Net Assets 2022: $53,197,7072022Assets 2023: $378,835,061Liabilities 2023: $320,467,360Net Assets 2023: $58,367,7012023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2012

Assets$263,229,790
Liabilities$228,455,014
Net Assets$34,774,776
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$40M$30M$20M$10M$0-$10MExpenses 2010: $16,649,1412010Expenses 2011: $17,258,1962011Expenses 2012: $17,893,1952012Revenue 2013: $21,327,576Expenses 2013: $19,305,462Net Income 2013: $2,022,1142013Revenue 2014: $21,910,779Expenses 2014: $20,009,772Net Income 2014: $1,901,0072014Revenue 2015: $24,288,721Expenses 2015: $22,401,773Net Income 2015: $1,886,9482015Revenue 2016: $26,227,602Expenses 2016: $23,727,638Net Income 2016: $2,499,9642016Revenue 2017: $27,052,082Expenses 2017: $27,356,066Net Income 2017: -$303,9842017Revenue 2018: $27,943,477Expenses 2018: $27,440,187Net Income 2018: $503,2902018Revenue 2019: $26,433,948Expenses 2019: $25,145,064Net Income 2019: $1,288,8842019Revenue 2020: $21,809,373Expenses 2020: $19,938,391Net Income 2020: $1,870,9822020Revenue 2021: $21,926,267Expenses 2021: $19,434,926Net Income 2021: $2,491,3412021Revenue 2022: $26,230,497Expenses 2022: $21,968,116Net Income 2022: $4,262,3812022Revenue 2023: $31,083,422Expenses 2023: $25,803,326Net Income 2023: $5,280,0962023Revenue 2024: $2,475,579Expenses 2024: $2,456,256Net Income 2024: $19,3232024

Highlighted filing

2012

Revenue-
Expenses$17,893,195
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Sep 26, 2013
Return Version
2012v2.3
Gross Receipts
$20,481,868
Mission and Program Overview

Mission

Member owned state chartered credit union

Filing and Contact Details

Filer

EIN
64-0179401
Raw XML AppendixShowing 400 of 406 raw XML fields

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IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS
IRS990ScheduleO/GeneralExplanation/Explanation2THE CREDIT UNION IS A WHOLLY COOPERATIVE ORGANIZATION WITH MEMBERSHIP COMPOSED PRIMARILY OF EMPLOYEES, AND THEIR FAMILIES, OF HUNTINGTON INGALLS INDUSTRIES SHIP SYSTEMS' OPERATING DIVISIONS ENGAGED IN THE SHIPBUILDING INDUSTRY IN JACKSON COUNTY, MISSISSIPPI. THE CREDIT UNION'S SERVICE AREA INCLUDES JACKSON AND HARRISON COUNTIES IN MISSISSIPPI AND MOBILE AND BALDWIN COUNTIES IN ALABAMA. CREDIT UNION OPERATIONS ARE PRIMARILY RELATED TO HOLDING DEPOSITS FOR, MAKING LOANS TO, AND FURNISHING OTHER FINANCIAL SERVICES TO MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation3A COPY OF THE 990 WAS PROVIDED AND REVIEWED BY THE BOARD OF DIRECTORS BEFORE IT WAS FILED WITH THE IRS.
IRS990ScheduleO/GeneralExplanation/Explanation4ANY ITEM THAT APPEARS TO BE A CONFLICT OF INTEREST IS SENT TO SUPERVISORS, MANAGEMENT, AND HUMAN RESOURCES TO BE REVIEWED. IF THE ITEM IS DEEMED TO BE A CONFLICT OF INTEREST, THE ITEM IS NOT CARRIED FORWARD WITH.
IRS990ScheduleO/GeneralExplanation/Explanation5BOARD OF DIRECTORS APPOINTS COMPENSATION COMMITTEE TO REVIEW AND MAKE RECOMMENDATIONS REGARDING KEY EMPLOYEE COMPENSATION
IRS990ScheduleO/GeneralExplanation/Explanation6BOARD OF DIRECTORS APPOINTS COMPENSATION COMMITTEE TO REVIEW AND MAKE RECOMMENDATIONS REGARDING KEY EMPLOYEE COMPENSATION
IRS990ScheduleO/GeneralExplanation/Explanation7GOVERNING DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
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IRS990ScheduleO/GeneralExplanation/Identifier2ELECTION OF MEMBERS AND THEIR RIGHTS
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IRS990ScheduleO/GeneralExplanation/Identifier4ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier5COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier6COMPENSATION PROCESS FOR OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier7GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
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IRS990/TotalLiabilitiesEOY0228455014
IRS990/TotalLiabNetAssetsFundBalances/BOY0246556521
IRS990/TotalLiabNetAssetsFundBalances/EOY0263229790
IRS990/TotalNbrEmployees0126
IRS990/TotalNbrVolunteers019
IRS990/TotalNetAssetsFundBalances/BOY032186103
IRS990/TotalNetAssetsFundBalances/EOY034774776
IRS990/TotalOtherCompensation062335
IRS990/TotalOtherRevenue0329080
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue019809474
IRS990/TotalReportableCompFromOrg0779198
IRS990/TotalRevenueCurrentYear020481868
IRS990/TotalRevenue/ExclusionAmount0343314
IRS990/TotalRevenuePriorYear019089410
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome020138554
IRS990/TotalRevenue/TotalRevenueColumn020481868
IRS990/Travel/Total0167594
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UnsecuredNotesLoansPayable/EOY0186442
IRS990/UponRequest0X
IRS990/WebSite0WWW.NAVIGATORCU.ORG
IRS990/WhistleblowerPolicy0true
IRS990/YearFormation01939
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/Filer/EIN0640179401
ReturnHeader/Filer/Name/BusinessNameLine10NAVIGATOR CREDIT UNION
ReturnHeader/Filer/NameControl0NAVI
ReturnHeader/Filer/Phone02287623542
ReturnHeader/Filer/USAddress/AddressLine10POBOX 1647
ReturnHeader/Filer/USAddress/City0PASCAGOULA
ReturnHeader/Filer/USAddress/State0MS
ReturnHeader/Filer/USAddress/ZIPCode039568
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02013-09-26
ReturnHeader/Officer/Name0ROBERT FERTITTA
ReturnHeader/Officer/Phone02287623542
ReturnHeader/Officer/Title0CEO / CFO
ReturnHeader/Preparer/DatePrepared02013-10-30
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10RANKIN & ASSOCIATES PLLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine103103 PASCAGOULA ST
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0PASCAGOULA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MS
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0395674214
ReturnHeader/Preparer/Name0C SCOTT RANKIN CPA

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
$263,229,790
Liabilities
$228,455,014
Net assets
$34,774,776
Revenue
-
Expenses
$17,893,195
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$2.48$2.46$0.02
2023Detailed filing. Detailed filing data is available for this year.$379$320$58.4$31.1$25.8$5.28
2022Detailed filing. Detailed filing data is available for this year.$418$365$53.2$26.2$22.0$4.26
2021Detailed filing. Detailed filing data is available for this year.$438$389$48.9$21.9$19.4$2.49
2020Detailed filing. Detailed filing data is available for this year.$393$346$46.4$21.8$19.9$1.87
2019Detailed filing. Detailed filing data is available for this year.$329$284$44.6$26.4$25.1$1.29
2018Detailed filing. Detailed filing data is available for this year.$332$289$43.3$27.9$27.4$0.50
2017Detailed filing. Detailed filing data is available for this year.$344$301$42.8$27.1$27.4$0.30
2016Detailed filing. Detailed filing data is available for this year.$336$293$43.1$26.2$23.7$2.50
2015Detailed filing. Detailed filing data is available for this year.$309$269$40.6$24.3$22.4$1.89
2014Detailed filing. Detailed filing data is available for this year.$289$250$38.7$21.9$20.0$1.90
2013Detailed filing. Detailed filing data is available for this year.$273$236$36.8$21.3$19.3$2.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$263$228$34.8$17.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$247$214$32.2$17.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$234$203$30.4$16.6