Civic Intelligence

Germania Credit Union

990 • Fiscal year 2012 • EIN 74-2419125

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

Organization ProfileWWW.GERMANIACREDITUNION.COM
507 Highway 290 East77833
Siviq Scores

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

Liabilities / Assets

50th percentile

0.87x

Higher debt load relative to assets than 50% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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

2nd percentile

-6.7%

Faster asset growth than 2% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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 / Assets50th percentile

Assets

Down

$10,485,381

Down $756,938 (-6.7%) from 2011

Net Assets

Up

$1,355,816

Up $522 (+0.0%) from 2011

Liabilities

Down

$9,129,565

Down $757,460 (-7.7%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$386,027

Down $21,242 (-5.2%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

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

$30M$20M$10M$0Assets 2010: $11,586,981Liabilities 2010: $10,257,220Net Assets 2010: $1,329,7612010Assets 2011: $11,242,319Liabilities 2011: $9,887,025Net Assets 2011: $1,355,2942011Assets 2012: $10,485,381Liabilities 2012: $9,129,565Net Assets 2012: $1,355,8162012Assets 2013: $9,893,234Liabilities 2013: $8,515,789Net Assets 2013: $1,377,4452013Assets 2014: $9,746,105Liabilities 2014: $8,369,221Net Assets 2014: $1,376,8842014Assets 2015: $9,778,801Liabilities 2015: $8,402,125Net Assets 2015: $1,376,6762015Assets 2016: $10,832,257Liabilities 2016: $9,462,133Net Assets 2016: $1,370,1242016Assets 2017: $10,631,970Liabilities 2017: $9,263,234Net Assets 2017: $1,368,7362017Assets 2018: $10,540,985Liabilities 2018: $9,128,220Net Assets 2018: $1,412,7652018Assets 2019: $14,706,995Liabilities 2019: $13,213,000Net Assets 2019: $1,493,9952019Assets 2020: $17,905,792Liabilities 2020: $16,238,207Net Assets 2020: $1,667,5852020Assets 2021: $19,123,143Liabilities 2021: $17,222,098Net Assets 2021: $1,901,0452021Assets 2022: $20,134,330Liabilities 2022: $18,078,195Net Assets 2022: $2,056,1352022Assets 2023: $19,912,211Liabilities 2023: $17,702,191Net Assets 2023: $2,210,0202023Assets 2024: $19,613,357Liabilities 2024: $17,327,090Net Assets 2024: $2,286,2672024Assets 2025: $19,020,964Liabilities 2025: $16,622,047Net Assets 2025: $2,398,9172025

Highlighted filing

2012

Assets$10,485,381
Liabilities$9,129,565
Net Assets$1,355,816
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0-$500KExpenses 2010: $459,5202010Expenses 2011: $407,2692011Expenses 2012: $386,0272012Revenue 2013: $375,983Expenses 2013: $354,354Net Income 2013: $21,6292013Revenue 2014: $329,507Expenses 2014: $330,068Net Income 2014: -$5612014Revenue 2015: $321,272Expenses 2015: $321,480Net Income 2015: -$2082015Revenue 2016: $317,252Expenses 2016: $323,804Net Income 2016: -$6,5522016Revenue 2017: $315,195Expenses 2017: $316,583Net Income 2017: -$1,3882017Revenue 2018: $342,936Expenses 2018: $298,907Net Income 2018: $44,0292018Revenue 2019: $469,269Expenses 2019: $388,039Net Income 2019: $81,2302019Revenue 2020: $726,641Expenses 2020: $553,051Net Income 2020: $173,5902020Revenue 2021: $889,724Expenses 2021: $656,264Net Income 2021: $233,4602021Revenue 2022: $849,693Expenses 2022: $694,603Net Income 2022: $155,0902022Revenue 2023: $998,983Expenses 2023: $844,376Net Income 2023: $154,6072023Revenue 2024: $998,404Expenses 2024: $922,157Net Income 2024: $76,2472024Revenue 2025: $962,258Expenses 2025: $849,608Net Income 2025: $112,6502025

Highlighted filing

2012

Revenue-
Expenses$386,027
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 13, 2013
Return Version
2012v2.1
Gross Receipts
$386,549
Mission and Program Overview

Mission

Cooperative provided credit union financial services.

Major Activities

Activity 2
Checking accountsgermania credit union provides checking accounts for consumers with various features such as free checking and free debit cards.
Activity 3
Consumer loansgermania credit union has provided vehicles loans since its early years. The consumer loan product line now includes efficient underwriting and flexible offers for recreational vehicles, boats, and motorcycles. Consumer life and disabilitiy insurance is available on any of these loan types.
Filing and Contact Details

Filer

EIN
74-2419125
Raw XML Appendix376 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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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0(J) INCOME TAXES AS A STATE-CHARTERED CREDIT UNION, THE CREDIT UNION IS GENERALLY EXEMPT FROM FEDERAL AND STATE INCOME TAXES. THE CREDIT UNION RECOGNIZES THE EFFECT OF INCOME TAX POSITIONS ONLY IF THOSE POSITIONS ARE MORE LIKELY THAN NOT OF BEING SUSTAINED. RECOGNIZED INCOME TAX POSITIONS ARE MEASURED AT THE LARGEST AMOUNT THAT IS GREATER THAN 50% LIKELY OF BEING REALIZED. CHANGES IN RECOGNITION OR MEASUREMENT ARE REFLECTED IN THE PERIOD IN WHICH THE CHANGE IN JUDGMENT OCCURS. THE CREDIT UNION IS NO LONGER SUBJECT TO U.S. FEDERAL OR STATE EXAMINATIONS BY THE INTERNAL REVENUE SERVICE FOR YEARS PRIOR TO 2009.
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IRS990ScheduleO/GeneralExplanation/Explanation0SENIOR MANAGEMENT AND BOARD OF DIRECTORS REVIEW THE 990 BEFORE SUBMISSION.
IRS990ScheduleO/GeneralExplanation/Explanation1BOARD OF DIRECTORS APPROVES AND REVIEWS CONFLICT OF INTEREST POLICIES. SUSPECTED CONFLICTS OF INTEREST ARE REPORTED TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation2GERMANIA FEDERAL CREDIT UNION DOES NOT EMPLOY ANY PERSON DIRECTLY. GERMANIA INSURANCE COMPANY LOANS ITS EMPLOYEES TO THE CREDIT UNION AND THE CREDIT UNION PAYS A FEE TO THE INSURANCE COMPANY. THE INSURANCE COMPANY IS NOT RELATED TO THE CREDIT UNION AS THERE IS NO CONTROL BY THE INSURANCE COMPANY OVER THE CREDIT UNION. IN ADDITION, THE INSURANCE COMPANY AND THE CREDIT UNION DO NOT HAVE A MAJORITY OF THE SAME BOARD OF DIRECTORS. THE BOARD OF DIRECTORS APPROVES THE SALARY OF THE PRESIDENT; THE PRESIDENT APPROVES THE SALARY OF ALL OTHER EMPLOYEES LEASED FROM THE INSURANCE COMPANY. ALL DIRECTORS AND COMMITTEE MEMBERS SERVE AS UNPAID VOLUNTEERS.
IRS990ScheduleO/GeneralExplanation/Explanation3AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation4THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.
IRS990ScheduleO/GeneralExplanation/Identifier0AUDIT COMMITTEE OVERSIGHT
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ReturnHeader/Filer/EIN0742419125
ReturnHeader/Filer/Name/BusinessNameLine10GERMANIA CREDIT UNION
ReturnHeader/Filer/NameControl0GERM
ReturnHeader/Filer/Phone09798365224
ReturnHeader/Filer/USAddress/AddressLine10507 HIGHWAY 290 EAST
ReturnHeader/Filer/USAddress/City0BRENHAM
ReturnHeader/Filer/USAddress/State0TX
ReturnHeader/Filer/USAddress/ZIPCode077833
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02013-05-13
ReturnHeader/Officer/Name0CW BARKER
ReturnHeader/Officer/Phone09798365224
ReturnHeader/Officer/Title0PRESIDENT
ReturnHeader/Preparer/DatePrepared02013-05-13
ReturnHeader/PreparerFirm/EIN0742533381
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10JAYNES REITMEIER BOYD & THERRELL PC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine105400 BOSQUE BLVD STE 500
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0WACO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0TX
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0767104459
ReturnHeader/Preparer/Name0NANCY A TOUPS
ReturnHeader/Preparer/Phone02547764190
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-13T15:10:46-05:00

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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
$10,485,381
Liabilities
$9,129,565
Net assets
$1,355,816
Revenue
-
Expenses
$386,027
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$19.0$16.6$2.40$0.96$0.85$0.11
2024Detailed filing. Detailed filing data is available for this year.$19.6$17.3$2.29$1.00$0.92$0.08
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.9$17.7$2.21$1.00$0.84$0.15
2022Detailed filing. Detailed filing data is available for this year.$20.1$18.1$2.06$0.85$0.69$0.16
2021Detailed filing. Detailed filing data is available for this year.$19.1$17.2$1.90$0.89$0.66$0.23
2020Detailed filing. Detailed filing data is available for this year.$17.9$16.2$1.67$0.73$0.55$0.17
2019Detailed filing. Detailed filing data is available for this year.$14.7$13.2$1.49$0.47$0.39$0.08
2018Detailed filing. Detailed filing data is available for this year.$10.5$9.13$1.41$0.34$0.30$0.04
2017Detailed filing. Detailed filing data is available for this year.$10.6$9.26$1.37$0.32$0.32$0.00
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.8$9.46$1.37$0.32$0.32$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.78$8.40$1.38$0.32$0.32$0.00
2014Detailed filing. Detailed filing data is available for this year.$9.75$8.37$1.38$0.33$0.33$0.00
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.89$8.52$1.38$0.38$0.35$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.5$9.13$1.36$0.39
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.2$9.89$1.36$0.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.6$10.3$1.33$0.46