Civic Intelligence

Credit Unions Chartered in the State of Colorado

EIN 84-0509784 • 501(c)14 • Salida, CO

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Profile

Chartered Credit Union which provides affordable financial services to our membership both savings and loans.

205 E 3rd StSalida, CO 81201-2614

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Siviq Scores

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

Liabilities / Assets

92nd percentile

0.93x

Higher debt load relative to assets than 92% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Liabilities / Revenue

62nd percentile

19.29x

Higher debt load relative to revenue than 62% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Net Margin

46th percentile

8.5%

Higher net margin than 46% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

76th percentile

3.3%

Faster asset growth than 76% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Revenue Growth

66th percentile

17%

Faster revenue growth than 66% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$33,096,196

Up $1,072,698 (+3.3%) from 2022

Liabilities

Up

$30,703,439

Up $937,313 (+3.1%) from 2022

Net Assets

Up

$2,392,757

Up $135,385 (+6.0%) from 2022

Operations
Liabilities / Revenue62nd percentileNet Margin46th percentile

Revenue

Up

$1,591,590

Up $231,970 (+17%) from 2022

Expenses

Up

$1,456,205

Up $204,050 (+16%) from 2022

Net Income

Up

$135,385

Up $27,920 (+26%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth76th percentile

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

$40M$30M$20M$10M$0Assets 2010: $15,851,397Liabilities 2010: $14,534,658Net Assets 2010: $1,316,7392010Assets 2011: $20,953,377Liabilities 2011: $19,227,514Net Assets 2011: $1,725,8632011Assets 2012: $22,496,471Liabilities 2012: $20,633,854Net Assets 2012: $1,862,6172012Assets 2013: $22,764,771Liabilities 2013: $20,890,587Net Assets 2013: $1,874,1842013Assets 2015: $23,415,830Liabilities 2015: $21,399,662Net Assets 2015: $2,016,1682015Assets 2016: $25,788,668Liabilities 2016: $23,823,315Net Assets 2016: $1,965,3532016Assets 2017: $25,453,818Liabilities 2017: $23,528,931Net Assets 2017: $1,924,8872017Assets 2018: $26,446,476Liabilities 2018: $24,390,642Net Assets 2018: $2,055,8342018Assets 2019: $26,029,825Liabilities 2019: $23,881,457Net Assets 2019: $2,148,3682019Assets 2020: $28,052,496Liabilities 2020: $25,903,232Net Assets 2020: $2,149,2642020Assets 2021: $34,049,709Liabilities 2021: $31,895,477Net Assets 2021: $2,154,2322021Assets 2022: $32,023,498Liabilities 2022: $29,766,126Net Assets 2022: $2,257,3722022Assets 2023: $33,096,196Liabilities 2023: $30,703,439Net Assets 2023: $2,392,7572023

Highlighted filing

2023

Assets$33,096,196
Liabilities$30,703,439
Net Assets$2,392,757
Open 2023 Filing

Operations Trend

Revenue Growth66th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $704,2002010Expenses 2011: $1,115,7722011Expenses 2012: $1,079,9602012Revenue 2013: $989,674Expenses 2013: $990,452Net Income 2013: -$7782013Revenue 2015: $1,049,460Expenses 2015: $1,018,442Net Income 2015: $31,0182015Revenue 2016: $1,105,432Expenses 2016: $1,156,247Net Income 2016: -$50,8152016Revenue 2017: $1,040,601Expenses 2017: $1,081,067Net Income 2017: -$40,4662017Revenue 2018: $1,180,413Expenses 2018: $1,049,466Net Income 2018: $130,9472018Revenue 2019: $1,228,425Expenses 2019: $1,132,029Net Income 2019: $96,3962019Revenue 2020: $1,126,207Expenses 2020: $1,125,313Net Income 2020: $8942020Revenue 2021: $1,215,123Expenses 2021: $1,210,155Net Income 2021: $4,9682021Revenue 2022: $1,359,620Expenses 2022: $1,252,155Net Income 2022: $107,4652022Revenue 2023: $1,591,590Expenses 2023: $1,456,205Net Income 2023: $135,3852023

Highlighted filing

2023

Revenue$1,591,590
Expenses$1,456,205
Net Income$135,385
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$33,096,196
Liabilities
$30,703,439
Net assets
$2,392,757
Revenue
$1,591,590
Expenses
$1,456,205
Net income
$135,385
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$33.1$30.7$2.39$1.59$1.46$0.14
2022Detailed filing. Detailed filing data is available for this year.$32.0$29.8$2.26$1.36$1.25$0.11
2021Detailed filing. Detailed filing data is available for this year.$34.0$31.9$2.15$1.22$1.21$0.00
2020Detailed filing. Detailed filing data is available for this year.$28.1$25.9$2.15$1.13$1.13$0.00
2019Summary only. Only limited summary data is available for this year.$26.0$23.9$2.15$1.23$1.13$0.10
2018Summary only. Only limited summary data is available for this year.$26.4$24.4$2.06$1.18$1.05$0.13
2017Detailed filing. Detailed filing data is available for this year.$25.5$23.5$1.92$1.04$1.08$0.04
2016Detailed filing. Detailed filing data is available for this year.$25.8$23.8$1.97$1.11$1.16$0.05
2015Detailed filing. Detailed filing data is available for this year.$23.4$21.4$2.02$1.05$1.02$0.03
2013Detailed filing. Detailed filing data is available for this year.$22.8$20.9$1.87$0.99$0.99$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.5$20.6$1.86$1.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.0$19.2$1.73$1.12
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.9$14.5$1.32$0.70
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Jul 12, 2024
Return Version
2023v5.1
Gross Receipts
$1,611,262
Mission and Program Overview

Mission

Chartered Credit Union which provides affordable financial services to our membership, both savings and loans

Chartered Credit Union which provides affordable financial services to our membership both savings and loans.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$15,833,930$16,605,817▲ $771,887
Savings and Temporary Cash Investments$13,330,663$11,280,663▼ $2,050,000
Cash and Non-Interest-Bearing Accounts$1,390,365$3,792,215▲ $2,401,850
Rtn Earn Endowment Incm Other Fnds$2,257,372$2,392,757▲ $135,385
Land, Buildings, and Equipment, Net$759,643$731,379▼ $28,264
Accounts Receivable$77,485$43,860▼ $33,625
Prepaid Expenses and Deferred Charges$28,818$43,346▲ $14,528
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$32,023,498$33,096,196▲ $1,072,698
Other Assets Total$602,594$598,916▼ $3,678
Liabilities
Other Liabilities$29,377,450$30,654,116▲ $1,276,666
Accounts Payable and Accrued Expenses$388,676$49,323▼ $339,353
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$29,766,126$30,703,439▲ $937,313
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,257,372$2,392,757▲ $135,385
Total Liabilities and Net Assets / Fund Balance$32,023,498$33,096,196▲ $1,072,698

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$475,588$285,902-
Land$246,895--
Equipment$7,806$215,905-
Leasehold Improvements$1,090$126,273-
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Steve JonesPresident CEOFT$90,000$90,000

Board Members and Trustees

NameTitle
Russell GranzellaChairman
Dan ShortVice Chair
Alan HochBoard Member
Alan SulzenfussTreasurer Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,350,442
Investment Income
$236,155
Other Revenue
$4,993
All Other Contributions
$0
Change in Net Assets
$135,385
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$832,101
Salaries, Compensation, and Employee Benefits$624,104
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$387,829$0$0$387,829
Office Expenses$241,059$0$0$241,059
Interest$140,223$0$0$140,223
Information Technology$115,648$0$0$115,648
Other Employee Benefits$96,327$0$0$96,327
Current Officers, Directors, Trustees, and Key Employees$90,000$0$0$90,000
Depreciation Depletion$66,046$0$0$66,046
Payroll Taxes$40,616$0$0$40,616
Occupancy$26,472$0$0$26,472
Fees for Services Accounting$20,138$0$0$20,138
Fees for Services Lobbying$14,072$0$0$14,072
Advertising$11,987$0$0$11,987
Other Expenses$10,439$0$0$10,439
Pension Plan Contributions$9,332$0$0$9,332
Fees for Services Management$7,976$0$0$7,976
Travel$2,964$0$0$2,964
Total Functional Expenses$1,456,205$0$0$1,456,205
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

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

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$30,654,116
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI, Line 6

“Corporation with one class of members”

Part VI, Line 7A

“Members elect board members”

Part VI, Line 7B

“Members one vote each.”

Part VI, Line 11B

“Board reviews Form 990 at board meeting”

Part VI, Line 12C

“Board of directors reviews and signs a Statement of Compliance annually.”

Part VI, Line 15

“Board reviews salaries for competitiveness with local market.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State of Colorado
EIN
84-0509784
In Care Of
% Steve Jones
Phone
7195392968
Address
205 E 3RD ST, SALIDA, CO 81201-2614

Signing Officer

Name
Steve Jones
Title
CEO
Signed
2024-07-12

Organization Details

Formed
1961
Legal Domicile
Co
Voting Board Members
5
Independent Board Members
5
Employees
18
Volunteers
8
Raw XML AppendixShowing 400 of 599 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.

Path#Value
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IRS990/BooksInCareOfDetail/PhoneNum07195392968
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0205 E 3RD ST
IRS990/BooksInCareOfDetail/USAddress/CityNm0SALIDA
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IRS990/BooksInCareOfDetail/USAddress/ZIPCd0812012614
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IRS990/CashNonInterestBearingGrp/BOYAmt01390365
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IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
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IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContriRptFundraisingEventAmt00
IRS990/CostOfGoodsSoldAmt00
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/CYOtherExpensesAmt0832101
IRS990/CYOtherRevenueAmt04993
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IRS990/CYRevenuesLessExpensesAmt0135385
IRS990/CYSalariesCompEmpBnftPaidAmt0624104
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IRS990/CYTotalRevenueAmt01591590
IRS990/DAFExcessBusinessHoldingsInd0false
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IRS990/DepreciationDepletionGrp/ProgramServicesAmt066046
IRS990/DepreciationDepletionGrp/TotalAmt066046
IRS990/Desc0Normal Credit Union operations
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt018
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
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IRS990/ExpenseAmt00
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FederatedCampaignsAmt00
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IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt020138
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IRS990/ForeignActivitiesInd0false
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IRS990/ForeignGrantsGrp/ProgramServicesAmt00
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IRS990/ForeignOfficeInd0false
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IRS990/Form990PartVIISectionAGrp/PersonNm0Alan Sulzenfuss
IRS990/Form990PartVIISectionAGrp/PersonNm1Dan Short
IRS990/Form990PartVIISectionAGrp/PersonNm2Alan Hoch
IRS990/Form990PartVIISectionAGrp/PersonNm3Russell Granzella
IRS990/Form990PartVIISectionAGrp/PersonNm4Steve Jones
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Treasurer Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt4President CEO
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IRS990/InformationTechnologyGrp/ProgramServicesAmt0115648
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IRS990/InterestGrp/ProgramServicesAmt0140223
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IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
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IRS990/LandBldgEquipCostOrOtherBssAmt01359459
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IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
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IRS990/LessRentalExpensesGrp/RealAmt019672
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IRS990/MembershipDuesAmt00
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IRS990/NetIncomeFromGamingGrp/ExclusionAmt00
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt016605817
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IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
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IRS990/PensionPlanContributionsGrp/FundraisingAmt00
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IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt028818
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IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Steve Jones
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1124724
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2242069
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt30

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