Civic Intelligence

Nce Credit Union

990 • Fiscal year 2011 • EIN 74-1383594

Jan 01, 2011 to Dec 31, 2011 • Filed on Apr 13, 2012

Organization ProfileWWW.NCECREDIT UNION.NET
901 Leopard Suite 11478401
Siviq Scores

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

Liabilities / Assets

43rd percentile

0.81x

Higher debt load relative to assets than 43% of similar nonprofits.

2011 filings • 501(c)14 • $1M-$5M 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

72nd percentile

5.8%

Faster asset growth than 72% of similar nonprofits.

2011 filings • 501(c)14 • $1M-$5M 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 / Assets43rd percentile

Assets

Up

$4,234,747

Up $233,406 (+5.8%) from 2010

Net Assets

Up

$818,783

Up $72,457 (+9.7%) from 2010

Liabilities

Up

$3,415,964

Up $160,949 (+4.9%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$285,069

Up $3,242 (+1.2%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth72nd percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $4,001,341Liabilities 2010: $3,255,015Net Assets 2010: $746,3262010Assets 2011: $4,234,747Liabilities 2011: $3,415,964Net Assets 2011: $818,7832011Assets 2012: $4,304,916Liabilities 2012: $3,438,140Net Assets 2012: $866,7762012Assets 2013: $4,464,007Liabilities 2013: $3,569,463Net Assets 2013: $894,5442013Assets 2014: $4,803,707Liabilities 2014: $3,888,633Net Assets 2014: $915,0742014Assets 2015: $4,963,241Liabilities 2015: $4,016,546Net Assets 2015: $946,6952015Assets 2016: $5,379,392Liabilities 2016: $4,390,706Net Assets 2016: $988,6862016Assets 2017: $5,382,502Liabilities 2017: $4,358,512Net Assets 2017: $1,023,9902017Assets 2018: $5,085,655Liabilities 2018: $4,036,731Net Assets 2018: $1,048,9242018Assets 2019: $5,153,728Liabilities 2019: $4,101,545Net Assets 2019: $1,052,1832019Assets 2020: $5,424,758Liabilities 2020: $4,388,547Net Assets 2020: $1,036,2112020Assets 2021: $5,422,740Liabilities 2021: $4,342,265Net Assets 2021: $1,080,4752021Assets 2022: $5,289,022Liabilities 2022: $4,174,361Net Assets 2022: $1,114,6612022Assets 2023: $5,387,978Liabilities 2023: $4,209,353Net Assets 2023: $1,178,6252023Assets 2024: $5,608,470Liabilities 2024: $4,411,569Net Assets 2024: $1,196,9012024

Highlighted filing

2011

Assets$4,234,747
Liabilities$3,415,964
Net Assets$818,783
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0-$200KExpenses 2010: $281,8272010Expenses 2011: $285,0692011Revenue 2012: $348,114Expenses 2012: $300,121Net Income 2012: $47,9932012Revenue 2013: $309,488Expenses 2013: $281,720Net Income 2013: $27,7682013Revenue 2014: $312,014Expenses 2014: $291,484Net Income 2014: $20,5302014Revenue 2015: $321,671Expenses 2015: $290,050Net Income 2015: $31,6212015Revenue 2016: $349,988Expenses 2016: $307,997Net Income 2016: $41,9912016Revenue 2017: $359,000Expenses 2017: $323,696Net Income 2017: $35,3042017Revenue 2018: $345,623Expenses 2018: $320,689Net Income 2018: $24,9342018Revenue 2019: $345,297Expenses 2019: $338,189Net Income 2019: $7,1082019Revenue 2020: $317,786Expenses 2020: $333,225Net Income 2020: -$15,4392020Revenue 2021: $321,604Expenses 2021: $277,340Net Income 2021: $44,2642021Revenue 2022: $336,992Expenses 2022: $302,805Net Income 2022: $34,1872022Revenue 2023: $384,912Expenses 2023: $320,948Net Income 2023: $63,9642023Revenue 2024: $413,726Expenses 2024: $395,450Net Income 2024: $18,2762024

Highlighted filing

2011

Revenue-
Expenses$285,069
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Apr 13, 2012
Return Version
2011v1.2
Gross Receipts
$357,526
Mission and Program Overview

Mission

Establish and maintain a properly managed credit union operating at maximum financial levels and rendering prompt, courteous service for all members.

Major Activities

Activity 2
Consumer loans: members employed for one year with approved credit can now join and not have to wait the 6 month enrollment period before qualifying for a car loan.
Activity 3
Other member services: the credit union now has ipay and on-line banking for members with checking accounts.
Filing and Contact Details

Filer

EIN
74-1383594
Raw XML Appendix394 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.

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IRS990ScheduleO/GeneralExplanation/Explanation0FORM 990, PART VI, SECTION A, LINE 6 & 7A: NCE CREDIT UNION IS A STATE CHARTERED CREDIT UNION COMPRISED OF OWNER/MEMBERS. THESE MEMBERS HOLD ANNUAL MEETINGS AT WHICH TIME THE MEMBERS PRESENT ELECT OPEN POSITIONS FOR BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11A: A COPY OF FORM 990 IS PROVIDED TO EACH BOARD MEMBER FOR REVIEW. AFTER REVIEW AND DISCUSSION, THE FORM IS APPROVED FOR REMITTANCE TO THE IRS. FORM 990, PART VI, SECTION B, LINE 12C: ALL BOARD OF DIRECTORS AND KEY EMPLOYEES ARE REQUIRED TO FILE AN ANNUAL CONFLICT OF INTEREST DISCLOSURE STATEMENT. THE CREDIT UNION MONITORS THESE STATEMENTS TO DETERMINE ANY OUTSIDE ENTITY ACTIVITY AND THE NATURE OF SUCH INTEREST. FORM 990, PART VI, SECTION B, LINE 15A & 15B: BOARD OF DIRECTORS REVIEW THE COMPENSATION PAID TO THEIR KEY EMPLOYEES ON AN ANNUAL BASIS AND COMPARES COMPENSATION LEVEL AGAINST INDUSTRY STANDARDS, CREDIT UNION SIZE, AND SERVICES. ALL DELIBERATIONS ARE FORMALLY RECORDED IN APPROPRIATE OFFICIAL MINUTES. FORM 990, PART VI, SECTION C, LINE 19: THE CREDIT UNION POSTS ITS FINANCIAL STATEMENTS IN THE CU LOBBY FOR ALL MEMBERS TO REVIEW. THE GOVERNANCE DOCUMENTS AND CONFLICTS OF INTEREST STATEMENTS ARE AVAILABLE IN THE CU OFFICE FOR REVIEW UPON REQUEST.
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ReturnHeader/Filer/USAddress/ZIPCode078401
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02012-04-13
ReturnHeader/Officer/Name0VERONICA MAHZOON-HAGHEGHI
ReturnHeader/Officer/Phone03618824780
ReturnHeader/Officer/Title0MANAGER/CEO
ReturnHeader/Preparer/DatePrepared02012-04-13
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10A R LEMA CPA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10610 E MARKET ST STE 2906
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0SAN ANTONIO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0TX
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode078205
ReturnHeader/Preparer/Name0AR LEMA CPA
ReturnHeader/Preparer/Phone02102124822
ReturnHeader/Preparer/SelfEmployed0X
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-04-13T04:22:17-05:00

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
$4,234,747
Liabilities
$3,415,964
Net assets
$818,783
Revenue
-
Expenses
$285,069
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.61$4.41$1.20$0.41$0.40$0.02
2023Summary only. Only limited summary data is available for this year.$5.39$4.21$1.18$0.38$0.32$0.06
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.29$4.17$1.11$0.34$0.30$0.03
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.42$4.34$1.08$0.32$0.28$0.04
2020Summary only. Only limited summary data is available for this year.$5.42$4.39$1.04$0.32$0.33$0.02
2019Summary only. Only limited summary data is available for this year.$5.15$4.10$1.05$0.35$0.34$0.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.09$4.04$1.05$0.35$0.32$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.38$4.36$1.02$0.36$0.32$0.04
2016Summary only. Only limited summary data is available for this year.$5.38$4.39$0.99$0.35$0.31$0.04
2015Detailed filing. Detailed filing data is available for this year.$4.96$4.02$0.95$0.32$0.29$0.03
2014Detailed filing. Detailed filing data is available for this year.$4.80$3.89$0.92$0.31$0.29$0.02
2013Detailed filing. Detailed filing data is available for this year.$4.46$3.57$0.89$0.31$0.28$0.03
2012Summary only. Only limited summary data is available for this year.$4.30$3.44$0.87$0.35$0.30$0.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.23$3.42$0.82$0.29
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.00$3.26$0.75$0.28