Civic Intelligence

State Chartered Credit Unions in Louisiana

990 • Fiscal year 2011 • EIN 72-0445030

Jan 01, 2011 to Dec 31, 2011 • Filed on Jun 01, 2012

1215 Clearview Parkway70001
Siviq Scores

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

Liabilities / Assets

83rd percentile

0.91x

Higher debt load relative to assets than 83% of similar nonprofits.

2011 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

38th percentile

1.4%

Faster asset growth than 38% of similar nonprofits.

2011 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

Up

$21,068,290

Up $288,379 (+1.4%) from 2010

Net Assets

Up

$1,845,001

Up $225,001 (+14%) from 2010

Liabilities

Up

$19,223,289

Up $63,378 (+0.3%) from 2010

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$656,015

Down $94,242 (-13%) from 2010

Net Income

-

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.

$30M$20M$10M$0Assets 2010: $20,779,911Liabilities 2010: $19,159,911Net Assets 2010: $1,620,0002010Assets 2011: $21,068,290Liabilities 2011: $19,223,289Net Assets 2011: $1,845,0012011Assets 2012: $19,266,117Liabilities 2012: $17,364,287Net Assets 2012: $1,901,8302012Assets 2013: $18,019,483Liabilities 2013: $15,881,313Net Assets 2013: $2,138,1702013Assets 2014: $18,156,069Liabilities 2014: $15,782,522Net Assets 2014: $2,373,5472014Assets 2017: $16,710,132Liabilities 2017: $13,921,101Net Assets 2017: $2,789,0312017

Highlighted filing

2011

Assets$21,068,290
Liabilities$19,223,289
Net Assets$1,845,001

Operations Trend

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

$1.0M$500K$0Expenses 2010: $750,2572010Expenses 2011: $656,0152011Expenses 2012: $932,7402012Revenue 2013: $743,014Expenses 2013: $469,597Net Income 2013: $273,4172013Revenue 2014: $647,386Expenses 2014: $390,891Net Income 2014: $256,4952014Revenue 2017: $560,488Expenses 2017: $425,523Net Income 2017: $134,9652017

Highlighted filing

2011

Revenue-
Expenses$656,015
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Jun 1, 2012
Return Version
2011v1.2
Gross Receipts
$881,016
Mission and Program Overview

Mission

To provide members savings and investment options that provide maximum allowable earnings and various types of loans at low competitive rates.

Filing and Contact Details

Filer

EIN
72-0445030
Raw XML Appendix305 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.

Path#Value
IRS990/AccountantCompileOrReview00
IRS990/AccountsPayableAccruedExpenses/BOY0284
IRS990/AccountsPayableAccruedExpenses/EOY0284
IRS990/ActivitiesConductedPartnership00
IRS990/ActivityOrMissionDescription0TO PROVIDE MEMBERS SAVINGS AND INVESTMENT OPTIONS THAT PROVIDE MAXIMUM ALLOWABLE EARNINGS AND VARIOUS TYPES OF LOANS AT LOW COMPETATIVE RATES.
IRS990/ActivityOther/Description0PROVIDED OVER 1,000 MEMBERS OF THE TERMINAL CREDIT UNION WITH AN AFFORDABLE SOURCE OF SAVINGS AND CREDIT.
IRS990/AddressPrincipalOfficerUS/AddressLine101215 CLEARVIEW PARKWAY
IRS990/AddressPrincipalOfficerUS/City0METAIRIE
IRS990/AddressPrincipalOfficerUS/State0LA
IRS990/AddressPrincipalOfficerUS/ZIPCode070001
IRS990/AllOtherExpenses/Total040486
IRS990/BenefitsPaidToMembersCY00
IRS990/BenefitsPaidToMembersPriorYear00
IRS990/BsnssRltnshpThruFamilyMember00
IRS990/BsnssRltnshpWithOrganization00
IRS990/CapStckTrstPrinCurrentFunds/BOY00
IRS990/CapStckTrstPrinCurrentFunds/EOY00
IRS990/CashNonInterestBearing/BOY01019974
IRS990/CashNonInterestBearing/EOY0529294
IRS990/ChangesToOrganizingDocs00
IRS990/CollectionsOfArt00
IRS990/CompCurrentOfficersDirectors/Total0137535
IRS990/CompensationFromOtherSources00
IRS990/CompensationProcessCEO01
IRS990/CompensationProcessOther00
IRS990/ConferencesMeetings/Total010855
IRS990/ConflictOfInterestPolicy00
IRS990/ConservationEasements00
IRS990/ConsolidatedAuditFinancialStmt00
IRS990/ContributionsGrantsCurrentYear00
IRS990/ContributionsGrantsPriorYear00
IRS990/CreditCounseling00
IRS990/DecisionsSubjectToApproval00
IRS990/DeductibleContributionsOfArt00
IRS990/DeductibleNonCashContributions00
IRS990/DelegationOfManagementDuties00
IRS990/DepreciationDepletion/Total07713
IRS990/DescribedIn501C300
IRS990/Description0PROVIDED OVER 1,000 MEMBERS OF THE TERMINAL CREDIT UNION WITH AN AFFORDABLE SOURCE OF SAVINGS AND CREDIT.
IRS990/DisregardedEntity00
IRS990/DocumentRetentionPolicy01
IRS990/DonorAdvisedFunds00
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers01
IRS990/FamilyOrBusinessRelationship00
IRS990/FederalGrantAuditRequired00
IRS990/FeesForServicesManagement/Total01900
IRS990/ForeignActivities00
IRS990/ForeignFinancialAccount00
IRS990/ForeignOffice00
IRS990/Form8282PropertyDisposedOf00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek01.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek11.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek240.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek31.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek41.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/NamePerson0GEORGE E DEMERS
IRS990/Form990PartVIISectionA/NamePerson1LLOYD D KLIBERT SR
IRS990/Form990PartVIISectionA/NamePerson2LOUIS B FALGOUST
IRS990/Form990PartVIISectionA/NamePerson3THOMAS E SNYDER
IRS990/Form990PartVIISectionA/NamePerson4LLOYD A COCKRAN
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization2137535
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/Title0PRESIDENT
IRS990/Form990PartVIISectionA/Title1VICE PRESIDENT
IRS990/Form990PartVIISectionA/Title2CEO/TREASURER
IRS990/Form990PartVIISectionA/Title3SECRETARY
IRS990/Form990PartVIISectionA/Title4BOARD MEMBER
IRS990/Form990ProvidedToGoverningBody01
IRS990/FormersListed00
IRS990/FSAudited00
IRS990/FundraisingActivities00
IRS990/Gaming00
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsAndSimilarAmntsPriorYear00
IRS990/GrantsToIndividuals00
IRS990/GrantsToOrganizations00
IRS990/GrantToRelatedPerson00
IRS990/GrossReceipts0881016
IRS990/GroupReturnForAffiliates00
IRS990/Hospital00
IRS990/IndependentAuditFinancialStmt00
IRS990/IndoorTanningServices00
IRS990/InfoInScheduleOPartIII0X
IRS990/InfoInScheduleOPartVI0X
IRS990/Interest/Total0336571
IRS990/InvestmentIncomeCurrentYear0258077
IRS990/InvestmentIncome/ExclusionAmount0258077
IRS990/InvestmentIncomePriorYear0211905
IRS990/InvestmentIncome/TotalRevenueColumn0258077
IRS990/InvestmentInJointVenture00
IRS990/LandBldgEquipmentAccumDeprec0107239
IRS990/LandBuildingsEquipmentBasis0184863
IRS990/LandBuildingsEquipmentBasisNet/BOY062438
IRS990/LandBuildingsEquipmentBasisNet/EOY077624
IRS990/LoanToOfficerOrDQP00
IRS990/LocalChapters00
IRS990/MaterialDiversionOrMisuse00
IRS990/MembersOrStockholders01
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees01
IRS990/MinutesOfGoverningBody01
IRS990/MissionDescription0TO PROVIDE MEMBERS SAVINGS AND INVESTMENT OPTIONS THAT PROVIDE MAXIMUM ALLOWABLE EARNINGS AND VARIOUS TYPES OF LOANS AT LOW COMPETATIVE RATES.
IRS990/MoreThan5000KToIndividuals00
IRS990/MoreThan5000KToOrganizations00
IRS990/NameOfPrincipalOfficerPerson0LOUIS B FALGOUST
IRS990/NbrIndependentVotingMembers05
IRS990/NbrVotingGoverningBodyMembers05
IRS990/NbrVotingMembersGoverningBody05
IRS990/NetAssetsOrFundBalancesBOY01620000
IRS990/NetAssetsOrFundBalancesEOY01845001
IRS990/NetUnrelatedBusinessTxblIncome00
IRS990/NonDeductibleContributions00
IRS990/NumberFormsTransmittedWith109601037
IRS990/NumberIndependentVotingMembers05
IRS990/NumberIndividualsGT100K01
IRS990/NumberOfContractorsGT100K00
IRS990/NumberOfEmployees00
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total01960
IRS990/OfficeExpenses/Total05378
IRS990/OfficerEntityWithBsnssRltnshp00
IRS990/OfficerMailingAddress00
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY0189216
IRS990/OtherAssetsTotal/EOY0191596
IRS990/OtherExpensePriorYear0596535
IRS990/OtherExpensesCurrentYear0497206
IRS990/OtherExpenses/Description0SHARE INSURANCE PREMIUM
IRS990/OtherExpenses/Description1SAVINGS ACCOUNTS LIFE I
IRS990/OtherExpenses/Description2PROVISION FOR LOAN LOSS
IRS990/OtherExpenses/Description3STATE OF LA EXAMINATION
IRS990/OtherExpenses/Total048232
IRS990/OtherExpenses/Total118295
IRS990/OtherExpenses/Total215248
IRS990/OtherExpenses/Total310000
IRS990/OtherLiabilities/BOY019159627
IRS990/OtherLiabilities/EOY019223005
IRS990/OtherNotesLoansReceivableNet/BOY08712635
IRS990/OtherNotesLoansReceivableNet/EOY09389955
IRS990/OtherRevenueCurrentYear01951
IRS990/OtherRevenueMisc/BusinessCode0522100
IRS990/OtherRevenueMisc/Description0OTHER INCOME
IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome01951
IRS990/OtherRevenueMisc/TotalRevenueColumn01951
IRS990/OtherRevenuePriorYear01614
IRS990/OtherSalariesAndWages/Total021274
IRS990/PaidInCapSrplsLandBldgEqpFund/BOY00
IRS990/PaidInCapSrplsLandBldgEqpFund/EOY00
IRS990/PartialLiquidation00
IRS990/PoliticalActivities00
IRS990/ProfessionalFundraising00
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenueCY0620988
IRS990/ProgramServiceRevenue/Description0INTEREST INCOME FROM L
IRS990/ProgramServiceRevenuePriorYear0606738
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome0620988
IRS990/ProgramServiceRevenue/TotalRevenueColumn0620988
IRS990/ProhibitedTaxShelterTrans00
IRS990/QuidProQuoContributions00
IRS990/ReconcilationOtherChanges00
IRS990/ReconcilationRevenueExpenses0225001
IRS990/RelatedEntity00
IRS990/RelatedOrgControlledEntity00
IRS990/ReportFin48Footnote00
IRS990/ReportInvestOthSecurities00
IRS990/ReportLandBldgEquip01
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities01
IRS990/ReportProgRelInvest00
IRS990/RetainedEarningsEndowmentEtc/BOY01620000
IRS990/RetainedEarningsEndowmentEtc/EOY01845001
IRS990/RevenuesLessExpensesCY0225001
IRS990/RevenuesLessExpensesPriorYear070000
IRS990/SalariesEtcCurrentYear0158809
IRS990/SalariesEtcPriorYear0153722
IRS990/SavingsAndTempCashInvestments/BOY010795648
IRS990/SavingsAndTempCashInvestments/EOY010879821
IRS990/ScheduleBRequired00
IRS990ScheduleD/Buildings/BookValue059438
IRS990ScheduleD/Buildings/Depreciation048250
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis0107688
IRS990ScheduleD/Equipment/BookValue018186
IRS990ScheduleD/Equipment/Depreciation058989
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis077175
IRS990ScheduleD/OtherLiabilities/Amount019223005
IRS990ScheduleD/OtherLiabilities/Description0MEMBERS' SHARES & SHARE EQUIVALENTS
IRS990ScheduleD/TotalOfAmounts019223005
IRS990ScheduleD/TotalOfBookValueLandBuildings077624
IRS990/ScheduleJRequired00
IRS990ScheduleO/GeneralExplanation/Explanation0LINE 6 EXPLANATION - THE ORGANIZATION HAS MEMBERS AND EACH MEMBER HAS ONE VOTING RIGHT.
IRS990ScheduleO/GeneralExplanation/Explanation1LINE 7A EXPLANATION - MEMBERS IN ATTENDANCE AT THE ANNUAL MEETING HAD THE RIGHT TO NOMINATE MEMBERS FROM THE FLOOR TO RUN AGAINST THOSE CANDIDATES SELECTED BY THE NOMINATING COMMITTEE. ELECTIONS WERE HELD AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation2LINE 11A EXPLANATION - FORM 990 IS REVIEWED AT BOARD MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation3COMPENSATION FOR THE EXECUTIVE DIRECTOR IS REVIEWED ANNUALLY. ANY CHANGES ARE DISCUSSED AND VOTED ON BY THE EXECUTIVE COMMITTEE.
IRS990ScheduleO/GeneralExplanation/Explanation4GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. FINANCIAL STATEMENTS ARE ALSO MADE AVAILABLE AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation5WAS A LOAN TO OR BY A CURRENT OR FORMER OFFICER, DIRECTOR, TRUSTEE, KEY EMPLOYEE, HIGHLY COMPENSATED EMPLOYEE, OR DISQUALIFIED PERSON OUTSTANDING AS OF THE END OF THE ORGANIZATION'S TAX YEAR? IF "YES", COMPLETE SCHEDULE L, PART II. AT YEAR END LOANS WERE OUTSTANDING TO CERTAIN MEMBERS MENTIONED IN THE ABOVE QUESTION AND IT WOULD APPEAR THAT THE QUESTION SHOULD BE ANSWERED "YES." IN FACT THE QUESTIONS HAS BEEN ANSWERED "NO." BY THE NATURE OF THE ORGANIZATION PURPOSE (CREDIT UNION) THESE LOANS WERE MADE ON THE SAME TERMS AS OFFERED TO OTHER MEMBERS OF THE ORGANIZATION AND ARE EXEMPT FOR REPORTING.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART IV, LINE 26
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0LA
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine101215 CLEARVIEW PARKWAY
IRS990/TheBooksAreInCareOf/AddressUS/City0METAIRIE
IRS990/TheBooksAreInCareOf/AddressUS/State0LA
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode070001
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10LOUIS B FALGOUST
IRS990/TheBooksAreInCareOf/TelephoneNumber05048858267
IRS990/TotalAssets/BOY020779911
IRS990/TotalAssetsBOY020779911
IRS990/TotalAssets/EOY021068290
IRS990/TotalAssetsEOY021068290
IRS990/TotalCompGT150K00
IRS990/TotalExpensesCurrentYear0656015
IRS990/TotalExpensesPriorYear0750257
IRS990/TotalFunctionalExpenses/Total0656015
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY019159911
IRS990/TotalLiabilitiesBOY019159911
IRS990/TotalLiabilities/EOY019223289
IRS990/TotalLiabilitiesEOY019223289
IRS990/TotalLiabNetAssetsFundBalances/BOY020779911
IRS990/TotalLiabNetAssetsFundBalances/EOY021068290
IRS990/TotalNbrEmployees00
IRS990/TotalNbrVolunteers010
IRS990/TotalNetAssetsFundBalances/BOY01620000
IRS990/TotalNetAssetsFundBalances/EOY01845001
IRS990/TotalOtherCompensation00
IRS990/TotalOtherRevenue01951
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceRevenue0620988
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0137535
IRS990/TotalRevenueCurrentYear0881016
IRS990/TotalRevenue/ExclusionAmount0258077
IRS990/TotalRevenuePriorYear0820257
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0622939
IRS990/TotalRevenue/TotalRevenueColumn0881016
IRS990/TotalRevenue/UnrelatedBusinessRevenue00
IRS990/TransactionRelatedEntity00
IRS990/Travel/Total0568
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome00
IRS990/UponRequest0X
IRS990/WebSite0N/A
IRS990/WhistleblowerPolicy00
IRS990/YearFormation01951
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0720445030
ReturnHeader/Filer/Name/BusinessNameLine10TERMINAL CREDIT UNION
ReturnHeader/Filer/NameControl0TERM
ReturnHeader/Filer/Phone05048858267
ReturnHeader/Filer/USAddress/AddressLine101215 CLEARVIEW PARKWAY
ReturnHeader/Filer/USAddress/City0METAIRIE
ReturnHeader/Filer/USAddress/State0LA
ReturnHeader/Filer/USAddress/ZIPCode070001
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02012-06-01
ReturnHeader/Officer/Name0LOUIS B FALGOUST
ReturnHeader/Officer/Phone05048858267
ReturnHeader/Officer/Title0TREASURER
ReturnHeader/PreparerFirm/EIN0721396621
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10CARR RIGGS & INGRAM LLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine103501 N CAUSEWAY BLVD STE 810
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0METAIRIE
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0LA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode070002
ReturnHeader/Preparer/Name0JACK B KASE CPA PFS
ReturnHeader/Preparer/Phone05048379116
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-06-01T08:51:08-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings