Civic Intelligence

Unknown Organization

EIN 84-0432488 • 501(c)14

Profile

To promote thrift and provide lower cost credit to the members of the credit union. To promote thrift among members by affording them the opportunity to accumulate payments on shares and make loans from these shares to its members.

6921 E 72nd Avenue80022

www.yourbetterbankingchoice.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2013

Liabilities / Revenue

96th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2013

Net Margin

3rd percentile

-2238%

Higher net margin than 3% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2013

Top Officer Pay

30th percentile

$1,071

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 8.3% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2013

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2012 to 2013

Revenue Growth

38th percentile

-60%

Faster revenue growth than 38% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $1,125,197 (-100%) from 2012

Liabilities

Down

$0

Down $712,461 (-100%) from 2012

Net Assets

Down

$0

Down $412,736 (-100%) from 2012

Operations
Liabilities / Revenue96th percentileNet Margin3rd percentile

Revenue

$12,862

No earlier filing loaded for comparison.

Expenses

Up

$300,733

Up $163,779 (+120%) from 2012

Net Income

-$287,871

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,599,573Liabilities 2010: $4,273Net Assets 2010: $1,595,3302010Assets 2011: $1,429,859Liabilities 2011: $1,775Net Assets 2011: $1,428,0842011Assets 2012: $1,125,197Liabilities 2012: $712,461Net Assets 2012: $412,7362012Assets 2013: $0Liabilities 2013: $0Net Assets 2013: $02013

Highlighted filing

2013

Assets$0
Liabilities$0
Net Assets$0
Open 2013 Filing

Operations Trend

Revenue Growth38th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$400K$200K$0-$200K-$400KRevenue 2010: $92,581Expenses 2010: $59,853Net Income 2010: $32,7282010Revenue 2011: $82,027Expenses 2011: $62,282Net Income 2011: $19,7452011Expenses 2012: $136,9542012Revenue 2013: $12,862Expenses 2013: $300,733Net Income 2013: -$287,8712013

Highlighted filing

2013

Revenue$12,862
Expenses$300,733
Net Income-$287,871
Open 2013 Filing

Filings

Most recent year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$12,862
Expenses
$300,733
Net income
-$287,871
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.01$0.30$0.29
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.13$0.71$0.41$0.14
2011Summary only. Only limited summary data is available for this year.$1.43$0.00$1.43$0.08$0.06$0.02
2010Summary only. Only limited summary data is available for this year.$1.60$0.00$1.60$0.09$0.06$0.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 5, 2014
Return Version
2013v4.0
Gross Receipts
$12,862
Mission and Program Overview

Mission

To promote thrift and provide lower cost credit to the members of the credit union. To promote thrift among members by affording them the opportunity to accumulate payments on shares and make loans from these shares to its members.

To promote thrift and provide lower cost credit to the members of the credit union. To promote thrift among members by affording them the opportunity to accumulate payments on shares and to make loans from these shares to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$786,057$0▼ $786,057
Savings and Temporary Cash Investments$315,615$0▼ $315,615
Rtn Earn Endowment Incm Other Fnds$314,789$0▼ $314,789
Pd in Cap Srpls Land Bldg Eqp Fund$97,947$0▼ $97,947
Land, Buildings, and Equipment, Net$4,656$0▼ $4,656
Cash and Non-Interest-Bearing Accounts$3,713$0▼ $3,713
Accounts Receivable$736$0▼ $736
Prepaid Expenses and Deferred Charges$649$0▼ $649
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$1,125,197$0▼ $1,125,197
Other Assets Total$13,771$0▼ $13,771
Liabilities
Other Liabilities$708,247$0▼ $708,247
Accounts Payable and Accrued Expenses$4,214$0▼ $4,214
Total Liabilities$712,461$0▼ $712,461
Net Assets / Fund Balance
Total Net Assets Fund Balance$412,736$0▼ $412,736
Total Liabilities and Net Assets / Fund Balance$1,125,197$0▼ $1,125,197
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Linda MartinezOffice ManagerPT$1,071$1,071

Board Members and Trustees

NameTitle
Barbara NickersonChairperson
Chris MartinVice-Chairperson
Joan SykesSecretary
Joyce RamirezTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,698
Investment Income
$164
Other Revenue
$0
Change in Net Assets
$-287,871
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$281,821
Salaries, Compensation, and Employee Benefits$18,912
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$16,321
Occupancy---$9,059
Fees for Services Legal---$6,965
Depreciation Depletion---$4,656
Office Expenses---$3,734
Other Expenses---$1,627
Information Technology---$1,600
Payroll Taxes---$1,520
Current Officers, Directors, Trustees, and Key Employees---$1,071
All Other Expenses---$820
Fees for Services Accounting---$100
Travel---$6
Total Functional Expenses$0$0$0$300,733
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

“Wedenem Credit Union (the Credit Union) is a member-owned financial cooperative operated for the benefit of the members.”

Form 990, Part VI, Section A, line 7A

“The members of the Credit Union annually elect the Board of Directors to serve for multiple-year terms by mailing in ballots or voting at an annual meeting.”

Form 990, Part VI, Section A, line 7B

“Various decisions made by the Board of Directors for a Credit Union are subject to approval by the members of the Credit Union as set forth in NCUA rules and regulations and applicable state regulations.”

Form 990, Part VI, Section B, line 11

“The completed Form 990 is not reviewed by the Board of Directors prior to filing. The Chief Financial Officer of Community Choice Credit Union is authorized to sign and file the return.”

Form 990, Part VI, Section B, line 12C

“A written acknowledgment is filled out each year by the directors and management, which could give rise to potential conflicts within the organization. Any potential issues are discussed with the key officers and those charged with governance for resolution.”

Form 990, Part VI, Section C, line 19

“The organization's governing documents and conflict of interest policy are are available for review upon request at the credit union. Monthly financial statements are available and on display at the credit union. Quarterly financial data is accessible to the public at www.ncua.gov.”

Filing and Contact Details

Filer

EIN
84-0432488
Phone
3032878025

Signing Officer

Name
Cathy Hebert
Title
CFO
Phone
3032878025
Signed
2014-11-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cathy Hebert
Formed
1936
Legal Domicile
Co
Voting Board Members
4
Independent Board Members
4
Employees
3
Volunteers
7

Preparer

Preparer
Sheila M Balzer
Phone
3037592727
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Equity liquidated in merger with community choice credit union -124,868. Rounding 3.”

Raw XML Appendix381 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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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice-Chairperson
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IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
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IRS990/GrantsToOrganizationsInd00
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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc3FIXED ASSETS (NET OF A/D)
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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine10COMMUNITY CHOICE CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine11COMMUNITY CHOICE CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine12COMMUNITY CHOICE CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine13COMMUNITY CHOICE CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine14COMMUNITY CHOICE CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02013-03-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt12013-03-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt22013-03-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt32013-03-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt42013-03-31
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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt30
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt49614
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C) 14
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt1501(C) 14
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt2501(C) 14
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt3501(C) 14
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt4501(C) 14
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt1BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt2BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt3BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt4BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine106921 E 72nd Avenue
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine116921 E 72nd Avenue
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine126921 E 72nd Avenue
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine136921 E 72nd Avenue
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine146921 E 72nd Avenue
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/City0Commerce City
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/City1Commerce City
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/City2Commerce City
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/City3Commerce City
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/City4Commerce City
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/State0CO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/State1CO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/State2CO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/State3CO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/State4CO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCode080022
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCode180022
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCode280022
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCode380022
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCode480022
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Wedenem Credit Union (the Credit Union) is a member-owned financial cooperative operated for the benefit of the members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The members of the Credit Union annually elect the Board of Directors to serve for multiple-year terms by mailing in ballots or voting at an annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Various decisions made by the Board of Directors for a Credit Union are subject to approval by the members of the Credit Union as set forth in NCUA rules and regulations and applicable state regulations.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The completed Form 990 is not reviewed by the Board of Directors prior to filing. The Chief Financial Officer of Community Choice Credit Union is authorized to sign and file the return.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A written acknowledgment is filled out each year by the directors and management, which could give rise to potential conflicts within the organization. Any potential issues are discussed with the key officers and those charged with governance for resolution.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The organization's governing documents and conflict of interest policy are are available for review upon request at the credit union. Monthly financial statements are available and on display at the credit union. Quarterly financial data is accessible to the public at www.ncua.gov.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EQUITY LIQUIDATED IN MERGER WITH COMMUNITY CHOICE CREDIT UNION -124,868. ROUNDING 3.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt01125197
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt01125197
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0300733
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0712461
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt0712461
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0412736
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt012698
IRS990/TotalReportableCompFromOrgAmt01071
IRS990/TotalRevenueGrp/ExclusionAmt0151
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt012711
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt012862
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01125197
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt06
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine106921 E 72nd Avenue
IRS990/USAddress/City0Commerce City
IRS990/USAddress/State0CO
IRS990/USAddress/ZIPCode080022
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0www.yourbetterbankingchoice.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CATHY HEBERT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum03032878025
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-05
ReturnHeader/Filer/BusinessName/BusinessNameLine10Wedenem Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0WEDE
ReturnHeader/Filer/EIN0840432488
ReturnHeader/Filer/PhoneNum03032878025
ReturnHeader/Filer/USAddress/AddressLine106921 E 72nd Avenue
ReturnHeader/Filer/USAddress/City0Commerce City
ReturnHeader/Filer/USAddress/State0CO
ReturnHeader/Filer/USAddress/ZIPCode080022
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0841474365
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Holben Hay Lake Balzer CPAs LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine101777 S Harrison Street 1000
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Denver
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0CO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode080210
ReturnHeader/PreparerPersonGrp/PhoneNum03037592727
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Sheila M Balzer
ReturnHeader/ReturnTs02015-02-12T13:32:42-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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