Civic Intelligence

Smart Financial Credit Union

990 • Fiscal year 2011 • EIN 74-0695355

Jan 01, 2011 to Dec 31, 2011 • Filed on May 18, 2012

Organization ProfileWWW.SMARTCU.ORG

View Organization Page

4615 Southwest Freeway No 31077027
Siviq Scores

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

Liabilities / Assets

93rd percentile

0.93x

Higher debt load relative to assets than 93% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B 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

75th percentile

8.3%

Faster asset growth than 75% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$481,975,837

Up $36,884,987 (+8.3%) from 2010

Net Assets

Up

$34,651,137

Up $136,347 (+0.4%) from 2010

Liabilities

Up

$447,324,700

Up $36,748,640 (+9.0%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$32,064,810

Up $767,947 (+2.5%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth75th percentile

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

$1.0B$500M$0Assets 2010: $445,090,850Liabilities 2010: $410,576,060Net Assets 2010: $34,514,7902010Assets 2011: $481,975,837Liabilities 2011: $447,324,700Net Assets 2011: $34,651,1372011Assets 2012: $527,682,058Liabilities 2012: $487,147,161Net Assets 2012: $40,534,8972012Assets 2013: $561,422,083Liabilities 2013: $512,709,004Net Assets 2013: $48,713,0792013Assets 2014: $607,991,262Liabilities 2014: $559,385,531Net Assets 2014: $48,605,7312014Assets 2015: $632,836,512Liabilities 2015: $581,888,835Net Assets 2015: $50,947,6772015Assets 2016: $649,586,275Liabilities 2016: $596,255,627Net Assets 2016: $53,330,6482016Assets 2017: $700,073,087Liabilities 2017: $644,934,647Net Assets 2017: $55,138,4402017Assets 2018: $686,964,169Liabilities 2018: $624,394,204Net Assets 2018: $62,569,9652018Assets 2019: $699,427,314Liabilities 2019: $635,411,921Net Assets 2019: $64,015,3932019Assets 2020: $785,559,214Liabilities 2020: $724,817,746Net Assets 2020: $60,741,4682020Assets 2021: $863,045,485Liabilities 2021: $794,413,867Net Assets 2021: $68,631,6182021Assets 2022: $858,528,681Liabilities 2022: $794,573,403Net Assets 2022: $63,955,2782022Assets 2023: $848,281,672Liabilities 2023: $776,160,257Net Assets 2023: $72,121,4152023Assets 2024: $783,377,617Liabilities 2024: $698,361,063Net Assets 2024: $85,016,5542024

Highlighted filing

2011

Assets$481,975,837
Liabilities$447,324,700
Net Assets$34,651,137
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$60M$40M$20M$0-$20MExpenses 2010: $31,296,8632010Expenses 2011: $32,064,8102011Revenue 2012: $35,791,133Expenses 2012: $31,262,591Net Income 2012: $4,528,5422012Revenue 2013: $36,619,666Expenses 2013: $32,880,433Net Income 2013: $3,739,2332013Revenue 2014: $37,312,735Expenses 2014: $34,812,269Net Income 2014: $2,500,4662014Revenue 2015: $40,989,328Expenses 2015: $35,701,426Net Income 2015: $5,287,9022015Revenue 2016: $41,376,873Expenses 2016: $39,474,333Net Income 2016: $1,902,5402016Revenue 2017: $41,143,914Expenses 2017: $38,926,554Net Income 2017: $2,217,3602017Revenue 2018: $42,899,533Expenses 2018: $38,353,223Net Income 2018: $4,546,3102018Revenue 2019: $43,400,030Expenses 2019: $39,560,547Net Income 2019: $3,839,4832019Revenue 2020: $37,952,681Expenses 2020: $38,345,111Net Income 2020: -$392,4302020Revenue 2021: $34,269,474Expenses 2021: $30,250,714Net Income 2021: $4,018,7602021Revenue 2022: $39,299,069Expenses 2022: $34,267,295Net Income 2022: $5,031,7742022Revenue 2023: $46,366,482Expenses 2023: $43,302,703Net Income 2023: $3,063,7792023Revenue 2024: $47,907,359Expenses 2024: $45,848,422Net Income 2024: $2,058,9372024

Highlighted filing

2011

Revenue-
Expenses$32,064,810
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 18, 2012
Return Version
2011v1.2
Gross Receipts
$34,797,988
Mission and Program Overview

Mission

Advocate. Relate. Educate.

Filing and Contact Details

Filer

EIN
74-0695355
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IRS990ScheduleD/ExcessOrDeficitPerFS0136347
IRS990ScheduleD/ExpensesNotRptdF99000
IRS990ScheduleD/ExpensesNotRptdOnFinStmt00
IRS990ScheduleD/ExpensesSubtotal032064810
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0THE CREDIT UNION HOLDS ESCROWED FUNDS FOR THE PAYMENT OF PROPERTY TAXES AND HOMEOWNERS' INSURANCE AS A SERVICE TO OUR MEMBERS WHO HAVE MORTGAGES WITH THE CREDIT UNION.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation1EFFECTIVE JANUARY 1, 2009, THE CREDIT UNION IMPLEMENTED THE NEW ACCOUNTING REQUIREMENTS ASSOCIATED WITH UNCERTAINTY IN INCOME TAXES USING THE PROVISIONS OF FASB ASC 740, INCOME TAXES. THE GUIDANCE PRESCRIBES A MINIMUM RECOGNITION THRESHOLD AND MEASUREMENT METHODOLOGY THAT A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN IS REQUIRED BEFORE BEING RECOGNIZED IN THE FINANCIAL STATEMENTS. IT ALSO PROVIDED GUIDANCE FOR DERECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION. AS OF DECEMBER 31, 2011, THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, THERE WERE NO INTEREST AND PENALTIES RELATED TO INCOME TAXES. WITH FEW EXCEPTIONS, THE CREDIT UNION IS NO LONGER SUBJECT TO U.S. FEDERAL, STATE, AND LOCAL INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR YEARS BEFORE 2008.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation2FASB ASC 715 PENSION ADJUSTMENT -3,246,359. NET CUBS VALUATION 397,784. TOTAL TO SCHEDULE D, PART XI, LINE 8: -2,848,575.
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier1PART XI, LINE 8 - OTHER ADJUSTMENTS:
IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference0PART IV, LINE 2B:
IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference1PART X:
IRS990ScheduleD/IncludedOnFS01
IRS990ScheduleD/Land/BookValue04814186
IRS990ScheduleD/Land/OtherCostOrOtherBasis04814186
IRS990ScheduleD/LeaseholdImprovements/BookValue0452339
IRS990ScheduleD/LeaseholdImprovements/Depreciation02201022
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis02653361
IRS990ScheduleD/NetUnrealizedGLOnInvestments0251745
IRS990ScheduleD/OtherAmount0-2848575
IRS990ScheduleD/OtherLandBuildings/BookValue02366468
IRS990ScheduleD/OtherLandBuildings/Depreciation011430073
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis013796541
IRS990ScheduleD/OtherLiabilities/Amount0439759770
IRS990ScheduleD/OtherLiabilities/Description0MEMBER DEPOSITS
IRS990ScheduleD/OtherSecurities/BookValue040746987
IRS990ScheduleD/OtherSecurities/BookValue177974550
IRS990ScheduleD/OtherSecurities/BookValue24330313
IRS990ScheduleD/OtherSecurities/BookValue3600000
IRS990ScheduleD/OtherSecurities/Description0SECURITIES - AFS
IRS990ScheduleD/OtherSecurities/Description1CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecurities/Description2CUBS STOCK
IRS990ScheduleD/OtherSecurities/Description3CC PERPETUAL CONTRIBUTED CAPITAL
IRS990ScheduleD/OtherSecurities/MethodOfValuation0F
IRS990ScheduleD/OtherSecurities/MethodOfValuation1C
IRS990ScheduleD/OtherSecurities/MethodOfValuation2C

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$481,975,837
Liabilities
$447,324,700
Net assets
$34,651,137
Revenue
-
Expenses
$32,064,810
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$783$698$85.0$47.9$45.8$2.06
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$848$776$72.1$46.4$43.3$3.06
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$859$795$64.0$39.3$34.3$5.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$863$794$68.6$34.3$30.3$4.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$786$725$60.7$38.0$38.3$0.39
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$699$635$64.0$43.4$39.6$3.84
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$687$624$62.6$42.9$38.4$4.55
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$700$645$55.1$41.1$38.9$2.22
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$650$596$53.3$41.4$39.5$1.90
2015Detailed filing. Detailed filing data is available for this year.$633$582$50.9$41.0$35.7$5.29
2014Detailed filing. Detailed filing data is available for this year.$608$559$48.6$37.3$34.8$2.50
2013Detailed filing. Detailed filing data is available for this year.$561$513$48.7$36.6$32.9$3.74
2012Summary only. Only limited summary data is available for this year.$528$487$40.5$35.8$31.3$4.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$482$447$34.7$32.1
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$445$411$34.5$31.3