Civic Intelligence

Cherokee Strip Credit Union

990 • Fiscal year 2012 • EIN 73-6093329

Jan 01, 2012 to Dec 31, 2012 • Filed on Oct 31, 2013

Organization ProfileWWW.CHEROKEESTRIP.COM

View Organization Page

1508 E Prospect74604
Siviq Scores

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

Liabilities / Assets

78th percentile

0.91x

Higher debt load relative to assets than 78% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M 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

11th percentile

-0.5%

Faster asset growth than 11% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M 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 / Assets78th percentile

Assets

Down

$86,516,860

Down $478,492 (-0.6%) from 2011

Net Assets

Down

$7,538,524

Down $671,272 (-8.2%) from 2011

Liabilities

Up

$78,978,336

Up $192,780 (+0.2%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$2,439,405

Down $166,393 (-6.4%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

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

$150M$100M$50M$0Assets 2010: $84,591,076Liabilities 2010: $75,729,026Net Assets 2010: $8,862,0502010Assets 2011: $86,995,352Liabilities 2011: $78,785,556Net Assets 2011: $8,209,7962011Assets 2012: $86,516,860Liabilities 2012: $78,978,336Net Assets 2012: $7,538,5242012Assets 2013: $84,497,103Liabilities 2013: $77,168,148Net Assets 2013: $7,328,9552013Assets 2014: $82,322,501Liabilities 2014: $74,329,019Net Assets 2014: $7,993,4822014Assets 2015: $80,806,150Liabilities 2015: $74,177,553Net Assets 2015: $6,628,5972015Assets 2016: $74,625,915Liabilities 2016: $68,651,175Net Assets 2016: $5,974,7402016Assets 2017: $70,034,498Liabilities 2017: $64,433,182Net Assets 2017: $5,601,3162017Assets 2018: $69,925,383Liabilities 2018: $63,514,218Net Assets 2018: $6,411,1652018Assets 2019: $69,533,436Liabilities 2019: $62,342,283Net Assets 2019: $7,191,1532019Assets 2020: $77,136,103Liabilities 2020: $68,658,460Net Assets 2020: $8,477,6432020Assets 2021: $85,264,711Liabilities 2021: $75,127,731Net Assets 2021: $10,136,9802021Assets 2022: $91,041,167Liabilities 2022: $79,468,985Net Assets 2022: $11,572,1822022Assets 2023: $101,886,582Liabilities 2023: $89,091,435Net Assets 2023: $12,795,1472023Assets 2024: $103,167,848Liabilities 2024: $91,810,304Net Assets 2024: $11,357,5442024

Highlighted filing

2012

Assets$86,516,860
Liabilities$78,978,336
Net Assets$7,538,524
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$10M$5.0M$0-$5.0MExpenses 2010: $2,859,1262010Revenue 2011: $2,137,511Expenses 2011: $2,605,798Net Income 2011: -$468,2872011Expenses 2012: $2,439,4052012Revenue 2013: $1,847,107Expenses 2013: $2,204,733Net Income 2013: -$357,6262013Revenue 2014: $2,847,839Expenses 2014: $2,050,889Net Income 2014: $796,9502014Revenue 2015: $5,263,223Expenses 2015: $6,633,916Net Income 2015: -$1,370,6932015Revenue 2016: $5,020,096Expenses 2016: $5,715,520Net Income 2016: -$695,4242016Revenue 2017: $3,804,542Expenses 2017: $4,225,653Net Income 2017: -$421,1112017Revenue 2018: $4,290,337Expenses 2018: $3,533,828Net Income 2018: $756,5092018Revenue 2019: $4,487,259Expenses 2019: $3,813,419Net Income 2019: $673,8402019Revenue 2020: $4,939,390Expenses 2020: $3,678,302Net Income 2020: $1,261,0882020Revenue 2021: $5,464,467Expenses 2021: $3,956,299Net Income 2021: $1,508,1682021Revenue 2022: $5,655,819Expenses 2022: $4,221,654Net Income 2022: $1,434,1652022Revenue 2023: $7,581,745Expenses 2023: $6,352,610Net Income 2023: $1,229,1352023Revenue 2024: $8,379,867Expenses 2024: $9,817,470Net Income 2024: -$1,437,6032024

Highlighted filing

2012

Revenue-
Expenses$2,439,405
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Oct 31, 2013
Return Version
2012v2.0
Gross Receipts
$1,860,840
Mission and Program Overview

Mission

As a not for profit cooperative, to promote thrift and meet the financial needs of members through offering progressive financial services with stability and integrity at better than market rates.

Filing and Contact Details

Filer

EIN
73-6093329
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IRS990ScheduleO/GeneralExplanation/Explanation0UNREALIZED LOSS ON PENSION ASSETS = -$91522
IRS990ScheduleO/GeneralExplanation/Explanation1CHANGE IN CAPITAL SHARES = -$1185
IRS990ScheduleO/GeneralExplanation/Explanation2STATE & NATIONAL DUES: Column (A) - Total = $17372; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation3SINGLE INT AUTO INS: Column (A) - Total = $4483; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation4PUBLICITY & PROMOTIONS: Column (A) - Total = $33428; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation5PROVISION LOAN LOSSES: Column (A) - Total = $32650; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation6Printing and Publications: Column (A) - Total = $40777; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation7Postage and Shipping: Column (A) - Total = $28003; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation8OFFICE EQUIPMENT: Column (A) - Total = $17299; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation9MORTGAGE LOAN EXPENSE: Column (A) - Total = $11020; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation10MISCELLANEOUS EXPENSE: Column (A) - Total = $18072; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation11LOSSES ON DEPOSIT A/C'S: Column (A) - Total = $177; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation12LOAN PROTECTION INSURANCE: Column (A) - Total = $11; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation13LIFE SAVINGS INSURANCE: Column (A) - Total = $956; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation14INDIRECT LOAN COSTS: Column (A) - Total = $4430; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation15CREDIT REPORTS: Column (A) - Total = $7987; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation16CONTRACT LABOR: Column (A) - Total = $47650; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation17CHARITABLE CONTRIBUTIONS: Column (A) - Total = $3080; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation18CASUALTY INSURANCE: Column (A) - Total = $134; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation19BUILDING MAINTENANCE: Column (A) - Total = $39315; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation20BOND INSURANCE: Column (A) - Total = $39766; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation21BANK SERVICE CHARGES: Column (A) - Total = $27684; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/GeneralExplanation/Explanation22FINANCIAL STATEMENTS OF THE ORGANIZATION ARE POSTED ON BULLETIN BOARDS AT EACH OF THE LOCATIONS MONTHLY.
IRS990ScheduleO/GeneralExplanation/Explanation23THE ORGANIZATION ORDERS ANNUALLY AN INDEPENDENT SALARY STUDY FOR CREDIT UNIONS GIVING SALARY INFORMATION BY CREDIT UNION ASSET SIZE, NUMBER OF EMPLOYEES, AND REGION WHERE LOCATED. THIS INFORMATION IS USED TO DEVELOP ANNUAL COMPENSATION AMOUNTS. PROPOSED SALARY INFORMATION IS THEN SUBMITTED TO THE PERSONNELL COMITTEE AND THEN THE BOARD OF DIRECTORS FOR ULTIMATE APPROVAL.
IRS990ScheduleO/GeneralExplanation/Explanation24THE ORGANIZATION USES THE SAME REVIEW & APPROVAL PROCESS FOR THE EXECUTIVE DIRECTOR AND TOP MANAGEMENT AS IT DOES FOR OFFICERS AND KEY EMPLOYEES. SEE RESPONSE TO PART VI, LINE 15B.
IRS990ScheduleO/GeneralExplanation/Explanation25FORM 990 AND 990-T PRESENTED TO BOARD FOR APPROVAL BEFORE FILING.
IRS990ScheduleO/GeneralExplanation/Explanation26THE FOLLOWING BOARD MEMBERS CAN BE REACHED AT THE ADDRESS PROVIDED. HOWARD SISSEL AND JULIE CUNNINGHAM CAN BE REACHED AT THE ORGANIZATION ADDRESS.CALVIN GULLIVER:2609 BLUESTEM, PONCA CITY, OK 74604GARY FEIL:1616 DOVER, PONCA CITY, OK 74604MIKE TREWITT:1613 MEADOWBROOK, PONCA CITY, OK 74604ROBERT HOWARD:801 MONUMENT, PONCA CITY, OK 74604HOMER NICHOLSON:621 W. HIGHLAND, PONCA CITY, OK 74601RAJ PHANSALKER:20 STONERIDGE, PONCA CITY, OK 74604PAUL HADLEY:245 MERRIFIELD ROAD, PONCA CITY, OK 74604MIKE KRUCK:2216 CHAPEL HILL, PONCA CITY, OK 74604HOLLY LABOSSIERE:406 N.6TH, PONCA CITY, OK 74601
IRS990ScheduleO/GeneralExplanation/Explanation27EACH CREDIT UNION ACCOUNT HOLDER IS CONSIDERED TO BE A MEMBER OF THE ORGANIZATION.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part XI, Line 9

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
$86,516,860
Liabilities
$78,978,336
Net assets
$7,538,524
Revenue
-
Expenses
$2,439,405
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$103$91.8$11.4$8.38$9.82$1.44
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$102$89.1$12.8$7.58$6.35$1.23
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$91.0$79.5$11.6$5.66$4.22$1.43
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$85.3$75.1$10.1$5.46$3.96$1.51
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$77.1$68.7$8.48$4.94$3.68$1.26
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$69.5$62.3$7.19$4.49$3.81$0.67
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$69.9$63.5$6.41$4.29$3.53$0.76
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$70.0$64.4$5.60$3.80$4.23$0.42
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.6$68.7$5.97$5.02$5.72$0.70
2015Detailed filing. Detailed filing data is available for this year.$80.8$74.2$6.63$5.26$6.63$1.37
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$82.3$74.3$7.99$2.85$2.05$0.80
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$84.5$77.2$7.33$1.85$2.20$0.36
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$86.5$79.0$7.54$2.44
2011Summary only. Only limited summary data is available for this year.$87.0$78.8$8.21$2.14$2.61$0.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$84.6$75.7$8.86$2.86
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $50M-$100M nonprofits