Civic Intelligence

United Credit Union

990 • Fiscal year 2012 • EIN 75-0751106

Jan 01, 2012 to Dec 31, 2012 • Filed on Mar 20, 2013

Organization ProfileWWW.UNITEDCU.COOP

View Organization Page

4901 Old Jacksonville Hwy75703
Siviq Scores

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

Liabilities / Assets

80th percentile

0.91x

Higher debt load relative to assets than 80% 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

6th percentile

-3.7%

Faster asset growth than 6% 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 / Assets80th percentile

Assets

Down

$22,330,310

Down $853,227 (-3.7%) from 2011

Net Assets

Down

$2,085,226

Down $55,976 (-2.6%) from 2011

Liabilities

Down

$20,245,084

Down $797,251 (-3.8%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,053,267

Down $37,129 (-3.4%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth6th percentile

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

$40M$30M$20M$10M$0Assets 2010: $21,897,375Liabilities 2010: $19,787,314Net Assets 2010: $2,110,0612010Assets 2011: $23,183,537Liabilities 2011: $21,042,335Net Assets 2011: $2,141,2022011Assets 2012: $22,330,310Liabilities 2012: $20,245,084Net Assets 2012: $2,085,2262012Assets 2013: $23,283,241Liabilities 2013: $21,050,429Net Assets 2013: $2,232,8122013Assets 2014: $25,241,375Liabilities 2014: $22,914,909Net Assets 2014: $2,326,4662014Assets 2015: $30,061,754Liabilities 2015: $27,610,032Net Assets 2015: $2,451,7222015Assets 2016: $29,504,130Liabilities 2016: $27,077,460Net Assets 2016: $2,426,6702016Assets 2017: $28,241,369Liabilities 2017: $26,027,885Net Assets 2017: $2,213,4842017Assets 2018: $26,200,834Liabilities 2018: $24,395,735Net Assets 2018: $1,805,0992018Assets 2019: $25,201,602Liabilities 2019: $23,126,374Net Assets 2019: $2,075,2282019Assets 2020: $26,693,750Liabilities 2020: $24,521,162Net Assets 2020: $2,172,5882020Assets 2021: $28,060,069Liabilities 2021: $26,024,912Net Assets 2021: $2,035,1572021Assets 2022: $30,228,000Liabilities 2022: $28,116,232Net Assets 2022: $2,111,7682022Assets 2023: $29,623,151Liabilities 2023: $27,456,540Net Assets 2023: $2,166,6112023Assets 2024: $28,481,321Liabilities 2024: $26,231,075Net Assets 2024: $2,250,2462024

Highlighted filing

2012

Assets$22,330,310
Liabilities$20,245,084
Net Assets$2,085,226
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,200,3702010Revenue 2011: $1,121,537Expenses 2011: $1,090,396Net Income 2011: $31,1412011Expenses 2012: $1,053,2672012Revenue 2013: $1,041,743Expenses 2013: $894,157Net Income 2013: $147,5862013Revenue 2014: $1,258,659Expenses 2014: $1,165,005Net Income 2014: $93,6542014Revenue 2015: $1,649,516Expenses 2015: $1,524,260Net Income 2015: $125,2562015Revenue 2016: $1,771,028Expenses 2016: $1,747,021Net Income 2016: $24,0072016Revenue 2017: $1,635,196Expenses 2017: $1,848,382Net Income 2017: -$213,1862017Revenue 2018: $1,483,456Expenses 2018: $1,891,841Net Income 2018: -$408,3852018Revenue 2019: $1,474,772Expenses 2019: $1,204,643Net Income 2019: $270,1292019Revenue 2020: $1,331,138Expenses 2020: $1,233,778Net Income 2020: $97,3602020Revenue 2021: $1,252,376Expenses 2021: $1,389,807Net Income 2021: -$137,4312021Revenue 2022: $1,414,983Expenses 2022: $1,338,372Net Income 2022: $76,6112022Revenue 2023: $1,508,249Expenses 2023: $1,453,406Net Income 2023: $54,8432023Revenue 2024: $1,449,714Expenses 2024: $1,366,079Net Income 2024: $83,6352024

Highlighted filing

2012

Revenue-
Expenses$1,053,267
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Mar 20, 2013
Return Version
2012v2.0
Gross Receipts
$997,294
Mission and Program Overview

Mission

Cooperative, membership owned, non-profit provider of full financial services to members

Major Activities

Activity 2
Checking accounts: checking accounts are offered with varying features from free access to home banking and debit cards to online bill pay for $4.95 per month. Seniors are offered special checking accounts with 1 free box of checks per year, free printouts, and free fax service.
Activity 3
Loans: consumer loans of all types including vehicle loans, unsecured loans, and credit cards. Residential loans are available. Related services such as credit life and disability insurance are also offered.
Filing and Contact Details

Filer

EIN
75-0751106
Raw XML AppendixShowing 400 of 413 raw XML fields

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IRS990ScheduleO/GeneralExplanation/Explanation1UNITED CREDIT UNION HAS A WRITTEN CONFLICT OF INTEREST POLICY THAT IS REGULARLY MONITORED BY MANAGEMENT.
IRS990ScheduleO/GeneralExplanation/Explanation2No review was or will be conducted.
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IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 11b: Form 990 Review Process
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IRS990/TotalLiabNetAssetsFundBalances/EOY022330310
IRS990/TotalNbrEmployees09
IRS990/TotalNetAssetsFundBalances/BOY02141202
IRS990/TotalNetAssetsFundBalances/EOY02085226
IRS990/TotalOtherCompensation014844
IRS990/TotalOtherRevenue00
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue0944764
IRS990/TotalReportableCompFromOrg092914
IRS990/TotalRevenueCurrentYear0997291
IRS990/TotalRevenue/ExclusionAmount051030
IRS990/TotalRevenuePriorYear01121537
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0933547
IRS990/TotalRevenue/TotalRevenueColumn0997291
IRS990/TotalRevenue/UnrelatedBusinessRevenue011214
IRS990/TransactionRelatedEntity0false
IRS990/TransfersToExemptNonChrtblOrg0false
IRS990/TravelEntrtnmntPublicOfficials/Total00
IRS990/Travel/Total029542
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0true
IRS990/UponRequest0X
IRS990/WebSite0www.unitedcu.coop
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01932
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/Filer/EIN0750751106
ReturnHeader/Filer/Name/BusinessNameLine10UNITED CREDIT UNION
ReturnHeader/Filer/NameControl0UNIT
ReturnHeader/Filer/Phone09035953604
ReturnHeader/Filer/USAddress/AddressLine104901 OLD JACKSONVILLE HWY
ReturnHeader/Filer/USAddress/City0TYLER
ReturnHeader/Filer/USAddress/State0TX
ReturnHeader/Filer/USAddress/ZIPCode075703
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02013-03-20
ReturnHeader/Officer/Name0SHERRI MCELYEA

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
$22,330,310
Liabilities
$20,245,084
Net assets
$2,085,226
Revenue
-
Expenses
$1,053,267
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.5$26.2$2.25$1.45$1.37$0.08
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.6$27.5$2.17$1.51$1.45$0.05
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.2$28.1$2.11$1.41$1.34$0.08
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.1$26.0$2.04$1.25$1.39$0.14
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.7$24.5$2.17$1.33$1.23$0.10
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.2$23.1$2.08$1.47$1.20$0.27
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.2$24.4$1.81$1.48$1.89$0.41
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.2$26.0$2.21$1.64$1.85$0.21
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.5$27.1$2.43$1.77$1.75$0.02
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.1$27.6$2.45$1.65$1.52$0.13
2014Detailed filing. Detailed filing data is available for this year.$25.2$22.9$2.33$1.26$1.17$0.09
2013Detailed filing. Detailed filing data is available for this year.$23.3$21.1$2.23$1.04$0.89$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.3$20.2$2.09$1.05
2011Summary only. Only limited summary data is available for this year.$23.2$21.0$2.14$1.12$1.09$0.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.9$19.8$2.11$1.20
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $10M-$25M nonprofits