Civic Intelligence

Community Resource Credit Union

990 • Fiscal year 2012 • EIN 74-1109927

Jan 01, 2012 to Dec 31, 2012 • Filed on Aug 13, 2013

Organization ProfileWWW.CRCU.COM

View Organization Page

2900 Decker Drive77520-2027
Siviq Scores

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

Liabilities / Assets

67th percentile

0.91x

Higher debt load relative to assets than 67% 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

43rd percentile

4.7%

Faster asset growth than 43% 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 / Assets67th percentile

Assets

Up

$305,918,280

Up $13,652,114 (+4.7%) from 2011

Net Assets

Up

$28,145,952

Up $1,719,845 (+6.5%) from 2011

Liabilities

Up

$277,772,328

Up $11,932,269 (+4.5%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$19,292,987

Up $1,428,411 (+8.0%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth43rd percentile

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

$1.0B$500M$0Assets 2011: $292,266,166Liabilities 2011: $265,840,059Net Assets 2011: $26,426,1072011Assets 2012: $305,918,280Liabilities 2012: $277,772,328Net Assets 2012: $28,145,9522012Assets 2013: $329,236,688Liabilities 2013: $300,871,187Net Assets 2013: $28,365,5012013Assets 2014: $355,045,620Liabilities 2014: $323,461,460Net Assets 2014: $31,584,1602014Assets 2015: $380,061,947Liabilities 2015: $345,708,440Net Assets 2015: $34,353,5072015Assets 2016: $421,898,239Liabilities 2016: $386,421,838Net Assets 2016: $35,476,4012016Assets 2017: $499,269,426Liabilities 2017: $461,708,422Net Assets 2017: $37,561,0042017Assets 2018: $520,367,685Liabilities 2018: $476,255,463Net Assets 2018: $44,112,2222018Assets 2019: $564,704,064Liabilities 2019: $515,768,539Net Assets 2019: $48,935,5252019Assets 2020: $643,446,616Liabilities 2020: $594,219,072Net Assets 2020: $49,227,5442020Assets 2021: $712,967,542Liabilities 2021: $651,371,148Net Assets 2021: $61,596,3942021Assets 2022: $763,924,806Liabilities 2022: $702,381,216Net Assets 2022: $61,543,5902022Assets 2023: $848,944,025Liabilities 2023: $781,327,311Net Assets 2023: $67,616,7142023Assets 2024: $895,067,097Liabilities 2024: $814,574,378Net Assets 2024: $80,492,7192024

Highlighted filing

2012

Assets$305,918,280
Liabilities$277,772,328
Net Assets$28,145,952
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$80M$60M$40M$20M$0Expenses 2011: $17,864,5762011Expenses 2012: $19,292,9872012Revenue 2013: $21,255,809Expenses 2013: $20,579,131Net Income 2013: $676,6782013Revenue 2014: $23,591,520Expenses 2014: $21,371,176Net Income 2014: $2,220,3442014Revenue 2015: $25,786,379Expenses 2015: $22,449,749Net Income 2015: $3,336,6302015Revenue 2016: $28,248,330Expenses 2016: $25,941,804Net Income 2016: $2,306,5262016Revenue 2017: $31,412,735Expenses 2017: $28,965,715Net Income 2017: $2,447,0202017Revenue 2018: $37,341,886Expenses 2018: $31,709,585Net Income 2018: $5,632,3012018Revenue 2019: $40,320,206Expenses 2019: $34,609,227Net Income 2019: $5,710,9792019Revenue 2020: $39,577,524Expenses 2020: $36,434,750Net Income 2020: $3,142,7742020Revenue 2021: $43,169,320Expenses 2021: $33,604,914Net Income 2021: $9,564,4062021Revenue 2022: $47,539,964Expenses 2022: $39,302,500Net Income 2022: $8,237,4642022Revenue 2023: $56,032,649Expenses 2023: $50,569,493Net Income 2023: $5,463,1562023Revenue 2024: $67,415,325Expenses 2024: $60,587,487Net Income 2024: $6,827,8382024

Highlighted filing

2012

Revenue-
Expenses$19,292,987
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Aug 13, 2013
Return Version
2012v2.2
Gross Receipts
$21,277,590
Mission and Program Overview

Mission

To help our members achieve financial well-being, through a lifetime partnership by providing exceptional service and quality products.

Filing and Contact Details

Filer

EIN
74-1109927
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IRS990/ProgramServiceRevenue/Description1FEES/OTHER CHARGES
IRS990/ProgramServiceRevenue/Description2UNRELATED BUSINESS INCOME TAX
IRS990/ProgramServiceRevenuePriorYear018663397
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome012150604
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome17362179
IRS990/ProgramServiceRevenue/TotalRevenueColumn012150604
IRS990/ProgramServiceRevenue/TotalRevenueColumn17362179
IRS990/ProgramServiceRevenue/TotalRevenueColumn2108881
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue0108881
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReconcilationRevenueExpenses01984603
IRS990/ReconciliationUnrealizedInvest0-264758
IRS990/RegularMonitoringEnforcement0true
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0true
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY026426107
IRS990/RetainedEarningsEndowmentEtc/EOY028145952
IRS990/RevenuesLessExpensesCY01984603
IRS990/RevenuesLessExpensesPriorYear02036162
IRS990/Royalties/Total00
IRS990/SalariesEtcCurrentYear07575389
IRS990/SalariesEtcPriorYear06532128
IRS990/SavingsAndTempCashInvestments/BOY02136000
IRS990/SavingsAndTempCashInvestments/EOY020427917
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Buildings/BookValue09344413
IRS990ScheduleD/Buildings/Depreciation03553060
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis012897473
IRS990ScheduleD/Equipment/BookValue01580030
IRS990ScheduleD/Equipment/Depreciation08815637
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis010395667
IRS990ScheduleD/ExpensesSubtotal019292987
IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE MORE LIKELY THAN NOT STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN THE INTERNAL REVENUE CODE IRC SECTION 50414. AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON UNRELATED BUSINESS INCOME UBI DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE IRS RELEASED TECHNNICAL ADVICE MEMORANDUMS TAMs TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX UBIT. UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNIONS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITON OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2011, 2010, AND 2009 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0X
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference02
IRS990ScheduleD/IncludedOnFS0false
IRS990ScheduleD/Land/BookValue02769387
IRS990ScheduleD/Land/OtherCostOrOtherBasis02769387
IRS990ScheduleD/OtherLiabilities/Amount086123850
IRS990ScheduleD/OtherLiabilities/Amount116651240
IRS990ScheduleD/OtherLiabilities/Amount2100656645
IRS990ScheduleD/OtherLiabilities/Amount315125472
IRS990ScheduleD/OtherLiabilities/Amount410146299
IRS990ScheduleD/OtherLiabilities/Amount547179367
IRS990ScheduleD/OtherLiabilities/Description0Federal income taxes

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
$305,918,280
Liabilities
$277,772,328
Net assets
$28,145,952
Revenue
-
Expenses
$19,292,987
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$895$815$80.5$67.4$60.6$6.83
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$849$781$67.6$56.0$50.6$5.46
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$764$702$61.5$47.5$39.3$8.24
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$713$651$61.6$43.2$33.6$9.56
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$643$594$49.2$39.6$36.4$3.14
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$565$516$48.9$40.3$34.6$5.71
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$520$476$44.1$37.3$31.7$5.63
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$499$462$37.6$31.4$29.0$2.45
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$422$386$35.5$28.2$25.9$2.31
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$380$346$34.4$25.8$22.4$3.34
2014Detailed filing. Detailed filing data is available for this year.$355$323$31.6$23.6$21.4$2.22
2013Detailed filing. Detailed filing data is available for this year.$329$301$28.4$21.3$20.6$0.68
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$306$278$28.1$19.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$292$266$26.4$17.9