Civic Intelligence

San Juan Mountains Credit Union

990 • Fiscal year 2011 • EIN 84-0512485

Jan 01, 2011 to Dec 31, 2011 • Filed on Oct 29, 2012

Organization Profilewww.sjmcu.com

View Organization Page

1102 South Cascade Ave81401
Siviq Scores

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

Liabilities / Assets

89th percentile

0.92x

Higher debt load relative to assets than 89% of similar nonprofits.

2011 filings • 501(c)14 • $10M-$25M 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

93rd percentile

13%

Faster asset growth than 93% of similar nonprofits.

2011 filings • 501(c)14 • $10M-$25M 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 / Assets89th percentile

Assets

Up

$23,315,265

Up $2,640,656 (+13%) from 2010

Net Assets

Up

$1,917,777

Up $44,437 (+2.4%) from 2010

Liabilities

Up

$21,397,488

Up $2,596,219 (+14%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$1,345,681

Up $43,131 (+3.3%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth93rd percentile

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

$60M$40M$20M$0Assets 2010: $20,674,609Liabilities 2010: $18,801,269Net Assets 2010: $1,873,3402010Assets 2011: $23,315,265Liabilities 2011: $21,397,488Net Assets 2011: $1,917,7772011Assets 2012: $23,713,472Liabilities 2012: $21,714,557Net Assets 2012: $1,998,9152012Assets 2013: $26,127,264Liabilities 2013: $23,872,402Net Assets 2013: $2,254,8622013Assets 2014: $25,954,299Liabilities 2014: $23,474,937Net Assets 2014: $2,479,3622014Assets 2015: $28,055,499Liabilities 2015: $25,462,878Net Assets 2015: $2,592,6212015Assets 2016: $30,268,546Liabilities 2016: $27,548,551Net Assets 2016: $2,719,9952016Assets 2017: $33,914,887Liabilities 2017: $31,021,352Net Assets 2017: $2,893,5352017Assets 2018: $34,587,985Liabilities 2018: $31,492,106Net Assets 2018: $3,095,8792018Assets 2019: $37,324,612Liabilities 2019: $34,021,245Net Assets 2019: $3,303,3672019Assets 2020: $42,532,619Liabilities 2020: $38,811,055Net Assets 2020: $3,721,5642020Assets 2021: $49,828,803Liabilities 2021: $45,570,467Net Assets 2021: $4,258,3362021Assets 2022: $53,043,202Liabilities 2022: $48,167,582Net Assets 2022: $4,875,6202022Assets 2023: $51,629,832Liabilities 2023: $46,400,687Net Assets 2023: $5,229,1452023Assets 2024: $53,925,923Liabilities 2024: $48,189,881Net Assets 2024: $5,736,0422024

Highlighted filing

2011

Assets$23,315,265
Liabilities$21,397,488
Net Assets$1,917,777
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0Expenses 2010: $1,302,5502010Expenses 2011: $1,345,6812011Expenses 2012: $1,216,5262012Revenue 2013: $1,358,237Expenses 2013: $1,102,290Net Income 2013: $255,9472013Revenue 2014: $1,288,807Expenses 2014: $1,064,307Net Income 2014: $224,5002014Revenue 2015: $1,254,307Expenses 2015: $1,141,048Net Income 2015: $113,2592015Revenue 2016: $1,318,158Expenses 2016: $1,190,784Net Income 2016: $127,3742016Revenue 2017: $1,408,754Expenses 2017: $1,235,214Net Income 2017: $173,5402017Revenue 2018: $1,526,066Expenses 2018: $1,323,722Net Income 2018: $202,3442018Revenue 2019: $1,640,633Expenses 2019: $1,433,145Net Income 2019: $207,4882019Revenue 2020: $1,822,112Expenses 2020: $1,403,915Net Income 2020: $418,1972020Revenue 2021: $2,277,872Expenses 2021: $1,741,100Net Income 2021: $536,7722021Revenue 2022: $2,350,802Expenses 2022: $1,733,518Net Income 2022: $617,2842022Revenue 2023: $2,386,947Expenses 2023: $1,961,016Net Income 2023: $425,9312023Revenue 2024: $2,815,250Expenses 2024: $2,308,353Net Income 2024: $506,8972024

Highlighted filing

2011

Revenue-
Expenses$1,345,681
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Oct 29, 2012
Return Version
2011v1.2
Gross Receipts
$1,269,020
Mission and Program Overview

Mission

To serve as the primary financial institution of the Credit Union's membership by providing efficient services of high quality, thus promoting the philosophy of "People Helping People".

Filing and Contact Details

Filer

EIN
84-0512485
Raw XML Appendix399 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/Explanation0NUMBER OF EMPLOYEES IS REPORTED AS ZERO AS THE CREDIT UNION DOES NOT FILE FORM W-3. ADP TOTAL SOURCE, AS COMMON PAYMASTER, FILES FORM W-3 UNDER THEIR OWN FEIN TO REPORT THE COMPENSATION OF ALL CREDIT UNION EMPLOYEES.
IRS990ScheduleO/GeneralExplanation/Explanation1Members can ask for documents at the Credit Union or on the Credit Union's web-site.
IRS990ScheduleO/GeneralExplanation/Explanation2The Board of Directors reviews and approves the CEO's compensation annually under a written employment contractFor other employees, the Credit Union has an annual review and approval by the employee's supervisor, and a completed, documented review form is filed in the employee's personnel file immediately.
IRS990ScheduleO/GeneralExplanation/Explanation3Each director must read and sign a conflict of interest disclosure annually. This is done the month following the Credit Union's annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation4The Form 990 is prepared by an independent CPA Firm and reviewed by the CEO before it is filed.
IRS990ScheduleO/GeneralExplanation/Explanation5Merger - Requires two thirds majority vote of voting members.Charter conversion - Requires two thirds majority vote of voting members.Dissolution and liquidation - Requires majorty vote of entire membership.
IRS990ScheduleO/GeneralExplanation/Explanation6The members elect the governing board at the Credit Union's annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation7Persons eligible for membership include employees (and their family members) of school districts (including students), businesses (select employee groups), and members of associations located in Montrose County and other areas in southwestern Colorado. A $25 deposit is also required to become a member.
IRS990ScheduleO/GeneralExplanation/Explanation8Added Bill Pay and Mobile Money services.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Line 15b
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 12c
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 11
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 7b
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990, Part VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier6Form 990, Part VI, Line 6
IRS990ScheduleO/GeneralExplanation/Identifier7Form 990, Part III, Line 2
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IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 11: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/GeneralExplanation/ReturnReference7Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/GeneralExplanation/ReturnReference8Form 990, Part III, Line 2: New Services
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ReturnHeader/Filer/Phone09702495319
ReturnHeader/Filer/USAddress/AddressLine101102 SOUTH CASCADE AVE
ReturnHeader/Filer/USAddress/City0MONTROSE
ReturnHeader/Filer/USAddress/State0CO
ReturnHeader/Filer/USAddress/ZIPCode081401
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02012-10-29
ReturnHeader/Officer/Name0Teri Reed
ReturnHeader/Officer/Title0CEO
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10Tinucci Jones & Company PC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1031207 Keats Way Suite 201
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0Evergreen
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0CO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode080439
ReturnHeader/Preparer/Name0Eric L Jones
ReturnHeader/Preparer/Phone03034809090
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-10-30T07:02:51-07:00

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
$23,315,265
Liabilities
$21,397,488
Net assets
$1,917,777
Revenue
-
Expenses
$1,345,681
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.9$48.2$5.74$2.82$2.31$0.51
2023Detailed filing. Detailed filing data is available for this year.$51.6$46.4$5.23$2.39$1.96$0.43
2022Detailed filing. Detailed filing data is available for this year.$53.0$48.2$4.88$2.35$1.73$0.62
2021Detailed filing. Detailed filing data is available for this year.$49.8$45.6$4.26$2.28$1.74$0.54
2020Detailed filing. Detailed filing data is available for this year.$42.5$38.8$3.72$1.82$1.40$0.42
2019Detailed filing. Detailed filing data is available for this year.$37.3$34.0$3.30$1.64$1.43$0.21
2018Detailed filing. Detailed filing data is available for this year.$34.6$31.5$3.10$1.53$1.32$0.20
2017Detailed filing. Detailed filing data is available for this year.$33.9$31.0$2.89$1.41$1.24$0.17
2016Detailed filing. Detailed filing data is available for this year.$30.3$27.5$2.72$1.32$1.19$0.13
2015Detailed filing. Detailed filing data is available for this year.$28.1$25.5$2.59$1.25$1.14$0.11
2014Detailed filing. Detailed filing data is available for this year.$26.0$23.5$2.48$1.29$1.06$0.22
2013Detailed filing. Detailed filing data is available for this year.$26.1$23.9$2.25$1.36$1.10$0.26
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.7$21.7$2.00$1.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.3$21.4$1.92$1.35
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.7$18.8$1.87$1.30
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2011 filings • 501(c)14 • $10M-$25M nonprofits