Civic Intelligence

One Thirteen Credit Union

EIN 84-0685552 • 501(c)14 • Colorado Springs, CO

Profile

State chartered credit union

3505 N Chestnut StColorado Springs, CO 80907

113creditunion.com

Siviq Scores

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

Liabilities / Assets

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

28th percentile

13.14x

Higher debt load relative to revenue than 28% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

58th percentile

5.7%

Higher net margin than 58% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

66th percentile

0.9%

Faster asset growth than 66% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

59th percentile

9.9%

Faster revenue growth than 59% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$8,485,773

Up $77,354 (+0.9%) from 2023

Liabilities

Up

$7,707,762

Up $44,206 (+0.6%) from 2023

Net Assets

Up

$778,011

Up $33,148 (+4.5%) from 2023

Operations
Liabilities / Revenue28th percentileNet Margin58th percentile

Revenue

Up

$586,666

Up $52,920 (+9.9%) from 2023

Expenses

Up

$553,518

Up $70,489 (+15%) from 2023

Net Income

Down

$33,148

Down $17,569 (-35%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth66th percentile

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

$10M$5.0M$0Assets 2010: $8,954,477Liabilities 2010: $8,034,888Net Assets 2010: $919,5892010Assets 2011: $9,101,720Liabilities 2011: $8,255,111Net Assets 2011: $846,6092011Assets 2012: $9,129,729Liabilities 2012: $8,244,050Net Assets 2012: $885,6792012Assets 2014: $8,825,270Liabilities 2014: $8,105,263Net Assets 2014: $720,0072014Assets 2015: $8,921,331Liabilities 2015: $8,253,816Net Assets 2015: $667,5152015Assets 2016: $8,907,824Liabilities 2016: $8,222,054Net Assets 2016: $685,7702016Assets 2017: $8,631,087Liabilities 2017: $7,933,357Net Assets 2017: $697,7302017Assets 2018: $8,312,884Liabilities 2018: $7,676,118Net Assets 2018: $636,7662018Assets 2019: $8,410,560Liabilities 2019: $7,740,063Net Assets 2019: $670,4972019Assets 2020: $9,441,176Liabilities 2020: $8,755,897Net Assets 2020: $685,2792020Assets 2021: $9,054,287Liabilities 2021: $8,381,735Net Assets 2021: $672,5522021Assets 2022: $8,947,097Liabilities 2022: $8,252,951Net Assets 2022: $694,1462022Assets 2023: $8,408,419Liabilities 2023: $7,663,556Net Assets 2023: $744,8632023Assets 2024: $8,485,773Liabilities 2024: $7,707,762Net Assets 2024: $778,0112024

Highlighted filing

2024

Assets$8,485,773
Liabilities$7,707,762
Net Assets$778,011
Open 2024 Filing

Operations Trend

Revenue Growth59th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $578,8612010Expenses 2011: $577,9732011Expenses 2012: $457,5642012Revenue 2014: $427,166Expenses 2014: $565,696Net Income 2014: -$138,5302014Revenue 2015: $412,648Expenses 2015: $465,140Net Income 2015: -$52,4922015Revenue 2016: $442,931Expenses 2016: $424,676Net Income 2016: $18,2552016Revenue 2017: $457,439Expenses 2017: $445,479Net Income 2017: $11,9602017Revenue 2018: $505,430Expenses 2018: $566,394Net Income 2018: -$60,9642018Revenue 2019: $513,872Expenses 2019: $480,141Net Income 2019: $33,7312019Revenue 2020: $463,298Expenses 2020: $448,516Net Income 2020: $14,7822020Revenue 2021: $430,912Expenses 2021: $443,639Net Income 2021: -$12,7272021Revenue 2022: $437,101Expenses 2022: $415,507Net Income 2022: $21,5942022Revenue 2023: $533,746Expenses 2023: $483,029Net Income 2023: $50,7172023Revenue 2024: $586,666Expenses 2024: $553,518Net Income 2024: $33,1482024

Highlighted filing

2024

Revenue$586,666
Expenses$553,518
Net Income$33,148
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,485,773
Liabilities
$7,707,762
Net assets
$778,011
Revenue
$586,666
Expenses
$553,518
Net income
$33,148
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$8.49$7.71$0.78$0.59$0.55$0.03
2023Detailed filing. Detailed filing data is available for this year.$8.41$7.66$0.74$0.53$0.48$0.05
2022Detailed filing. Detailed filing data is available for this year.$8.95$8.25$0.69$0.44$0.42$0.02
2021Detailed filing. Detailed filing data is available for this year.$9.05$8.38$0.67$0.43$0.44$0.01
2020Detailed filing. Detailed filing data is available for this year.$9.44$8.76$0.69$0.46$0.45$0.01
2019Detailed filing. Detailed filing data is available for this year.$8.41$7.74$0.67$0.51$0.48$0.03
2018Detailed filing. Detailed filing data is available for this year.$8.31$7.68$0.64$0.51$0.57$0.06
2017Detailed filing. Detailed filing data is available for this year.$8.63$7.93$0.70$0.46$0.45$0.01
2016Detailed filing. Detailed filing data is available for this year.$8.91$8.22$0.69$0.44$0.42$0.02
2015Detailed filing. Detailed filing data is available for this year.$8.92$8.25$0.67$0.41$0.47$0.05
2014Detailed filing. Detailed filing data is available for this year.$8.83$8.11$0.72$0.43$0.57$0.14
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.13$8.24$0.89$0.46
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.10$8.26$0.85$0.58
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.95$8.03$0.92$0.58
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 16, 2025
Return Version
2024v5.0
Gross Receipts
$586,666
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$5,543,049$5,914,524▲ $371,475
Savings and Temporary Cash Investments$2,393,120$2,165,634▼ $227,486
Rtn Earn Endowment Incm Other Fnds$437,989$471,137▲ $33,148
Pd in Cap Srpls Land Bldg Eqp Fund$306,874$306,874→ $0
Cash and Non-Interest-Bearing Accounts$270,173$221,255▼ $48,918
Land, Buildings, and Equipment, Net$88,681$74,325▼ $14,356
Prepaid Expenses and Deferred Charges$15,717$16,630▲ $913
Total Assets$8,408,419$8,485,773▲ $77,354
Other Assets Total$97,679$93,405▼ $4,274
Liabilities
Other Liabilities$7,632,519$7,688,333▲ $55,814
Accounts Payable and Accrued Expenses$31,037$19,429▼ $11,608
Total Liabilities$7,663,556$7,707,762▲ $44,206
Net Assets / Fund Balance
Total Net Assets Fund Balance$744,863$778,011▲ $33,148
Total Liabilities and Net Assets / Fund Balance$8,408,419$8,485,773▲ $77,354

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$9,167$378,438$387,605
Buildings$20,658$175,111$195,769
Land$44,500-$44,500
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Adam FloryBoard Member
Anthoney AlcaldaBoard Member
Craig SmithBoard Member
Frank GrimaldoBoard Member
John RigdonBoard Member
Kelly NondragonBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$468,955
Investment Income
$117,711
Other Revenue
$0
Change in Net Assets
$33,148
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$360,835
Salaries, Compensation, and Employee Benefits$192,683
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$137,055--$137,055
Other Expenses$40,900--$40,900
All Other Expenses$40,886--$40,886
Other Employee Benefits$31,507--$31,507
Office Expenses$29,206--$29,206
Occupancy$21,054--$21,054
Depreciation Depletion$17,152--$17,152
Pension Plan Contributions$14,227--$14,227
Insurance$12,348--$12,348
Payroll Taxes$9,894--$9,894
Fees for Services Accounting$6,000--$6,000
Advertising$2,800--$2,800
Conferences and Meetings$373--$373
Total Functional Expenses$553,518$0$0$553,518
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$7,688,333
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
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, Page 6, Part VI, Line 6

“All depositors are considered members.”

Form 990, Page 6, Part VI, Line 7A

“The credit union members elect on an annual basis the members of the board of directors.”

Form 990, Page 6, Part VI, Line 7B

“Any proposed mergers must be approved by a majority of the membership.”

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 12C

“The security matrix on the data processing system prohibits employees and directors from initiating transactions on all accounts listed on their conflict of interest disclosure statement, which is updated annually.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors completes an employee evaluation on the ceo on an annual basis. The employee evaluation is discussed at the board meeting, a motion is made as to the level of compensation and then voted on by the board. The last evaluation was conducted in december 2024.”

Form 990, Page 6, Part VI, Line 19

“The monthly financial statements are posted in the lobby and are updated on a monthly basis. The governing documents and conflict of interest policy are not made available to the general public.”

Filing and Contact Details

Filer

Filer Name
One Thirteen Credit Union
EIN
84-0685552
Phone
7196327118
Address
3505 N CHESTNUT ST, COLORADO SPRINGS, CO 80907

Signing Officer

Name
Jaclyn Robertson
Title
Manager
Phone
7196327118
Signed
2025-05-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jaclyn Robertson
Formed
1958
Legal Domicile
Co
Voting Board Members
6
Independent Board Members
6
Employees
2
Volunteers
10

Preparer

Firm
Petersen & Associates
Address
506 E GOLD COAST RD STE 100, PAPILLION, NE 68046-4790
Preparer
Steven O Petersen
Phone
4023332800
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“N/A”

Raw XML Appendix330 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/LandGrp/BookValueAmt044500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt044500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07688333
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt074325
IRS990ScheduleD/TotalLiabilityAmt07688333
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL DEPOSITORS ARE CONSIDERED MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION MEMBERS ELECT ON AN ANNUAL BASIS THE MEMBERS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANY PROPOSED MERGERS MUST BE APPROVED BY A MAJORITY OF THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE SECURITY MATRIX ON THE DATA PROCESSING SYSTEM PROHIBITS EMPLOYEES AND DIRECTORS FROM INITIATING TRANSACTIONS ON ALL ACCOUNTS LISTED ON THEIR CONFLICT OF INTEREST DISCLOSURE STATEMENT, WHICH IS UPDATED ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS COMPLETES AN EMPLOYEE EVALUATION ON THE CEO ON AN ANNUAL BASIS. THE EMPLOYEE EVALUATION IS DISCUSSED AT THE BOARD MEETING, A MOTION IS MADE AS TO THE LEVEL OF COMPENSATION AND THEN VOTED ON BY THE BOARD. THE LAST EVALUATION WAS CONDUCTED IN DECEMBER 2024.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND ARE UPDATED ON A MONTHLY BASIS. THE GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE GENERAL PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SignificantNewProgramSrvcInd0false
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt08408419
IRS990/TotalAssetsEOYAmt08485773
IRS990/TotalAssetsGrp/BOYAmt08408419
IRS990/TotalAssetsGrp/EOYAmt08485773
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0553518
IRS990/TotalFunctionalExpensesGrp/TotalAmt0553518
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07663556
IRS990/TotalLiabilitiesEOYAmt07707762
IRS990/TotalLiabilitiesGrp/BOYAmt07663556
IRS990/TotalLiabilitiesGrp/EOYAmt07707762
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0744863
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0778011
IRS990/TotalProgramServiceRevenueAmt0468955
IRS990/TotalRevenueGrp/ExclusionAmt0586666
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0586666
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08408419
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08485773
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03505 N CHESTNUT ST
IRS990/USAddress/CityNm0COLORADO SPRINGS
IRS990/USAddress/StateAbbreviationCd0CO
IRS990/USAddress/ZIPCd080907
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0113CREDITUNION.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JACLYN ROBERTSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum07196327118
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ONE THIRTEEN CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ONET
ReturnHeader/Filer/EIN0840685552
ReturnHeader/Filer/PhoneNum07196327118
ReturnHeader/Filer/USAddress/AddressLine1Txt03505 N CHESTNUT ST
ReturnHeader/Filer/USAddress/CityNm0COLORADO SPRINGS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CO
ReturnHeader/Filer/USAddress/ZIPCd080907
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0470749138
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0PETERSEN & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0506 E GOLD COAST RD STE 100
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0PAPILLION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0680464790
ReturnHeader/PreparerPersonGrp/PhoneNum04023332800
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEVEN O PETERSEN
ReturnHeader/ReturnTs02025-05-22T12:51:05-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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