Civic Intelligence

Smart Financial Credit Union

990 • Fiscal year 2012 • EIN 74-0695355

Jan 01, 2012 to Dec 31, 2012

Organization ProfileWWW.SMARTCU.ORG
Houston, TX
Siviq Scores

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

Liabilities / Assets

92nd percentile

0.92x

Higher debt load relative to assets than 92% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2012

Liabilities / Revenue

93rd percentile

13.61x

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

2012 filings • $250M-$1B nonprofits • Source year 2012

Net Margin

64th percentile

13%

Higher net margin than 64% of similar nonprofits.

2012 filings • $250M-$1B nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

77th percentile

9.5%

Faster asset growth than 77% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2012

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$527,682,058

Up $45,706,221 (+9.5%) from 2011

Net Assets

Up

$40,534,897

Up $5,883,760 (+17%) from 2011

Liabilities

Up

$487,147,161

Up $39,822,461 (+8.9%) from 2011

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin64th percentile

Revenue

$35,791,133

No earlier filing loaded for comparison.

Expenses

Down

$31,262,591

Down $802,219 (-2.5%) from 2011

Net Income

$4,528,542

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth77th 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

2012

Assets$527,682,058
Liabilities$487,147,161
Net Assets$40,534,897
Open 2012 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

2012

Revenue$35,791,133
Expenses$31,262,591
Net Income$4,528,542
Open 2012 Filing
Filing Detail Status

This 2012 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

View Latest Detailed Filing (2024)
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Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Mission and Program Overview

Mission

Advocate. Relate. Educate.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$527,682,058
Liabilities
$487,147,161
Net assets
$40,534,897
Revenue
$35,791,133
Expenses
$31,262,591
Net income
$4,528,542
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