Civic Intelligence

Permaculture Credit Union

EIN 85-0470885 • 501(c)14

View Organization Page

Profile

Credit union savings and loans.

4001 Office Court Drive Room 70887507

www.permaculture.org

Siviq Scores

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

Liabilities / Assets

4th percentile

0.00x

Higher debt load relative to assets than 4% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

13th percentile

0.09x

Higher debt load relative to revenue than 13% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

33rd percentile

-3.0%

Higher net margin than 33% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

34th percentile

-4.7%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2013

Revenue Growth

21st percentile

-6.7%

Faster revenue growth than 21% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets4th percentile

Assets

Down

$5,504,020

Down $269,195 (-4.7%) from 2012

Liabilities

Up

$24,047

Up $2,957 (+14%) from 2012

Net Assets

Down

$5,479,973

Down $272,152 (-4.7%) from 2012

Operations
Liabilities / Revenue13th percentileNet Margin33rd percentile

Revenue

$261,255

No earlier filing loaded for comparison.

Expenses

Up

$269,191

Up $5,401 (+2.0%) from 2012

Net Income

-$7,936

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$6.0M$4.0M$2.0M$0Assets 2011: $5,392,312Liabilities 2011: $18,663Net Assets 2011: $5,373,6492011Assets 2012: $5,773,215Liabilities 2012: $21,090Net Assets 2012: $5,752,1252012Assets 2013: $5,504,020Liabilities 2013: $24,047Net Assets 2013: $5,479,9732013

Highlighted filing

2013

Assets$5,504,020
Liabilities$24,047
Net Assets$5,479,973
Open 2013 Filing

Operations Trend

Revenue Growth21st percentile

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

$300K$200K$100K$0-$100KRevenue 2011: $299,988Expenses 2011: $266,100Net Income 2011: $33,8882011Expenses 2012: $263,7902012Revenue 2013: $261,255Expenses 2013: $269,191Net Income 2013: -$7,9362013

Highlighted filing

2013

Revenue$261,255
Expenses$269,191
Net Income-$7,936
Open 2013 Filing

Filings

Most recent year

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

Open filing
Assets
$5,504,020
Liabilities
$24,047
Net assets
$5,479,973
Revenue
$261,255
Expenses
$269,191
Net income
-$7,936
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$5.50$0.02$5.48$0.26$0.27$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.77$0.02$5.75$0.26
2011Summary only. Only limited summary data is available for this year.$5.39$0.02$5.37$0.30$0.27$0.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 2, 2014
Return Version
2013v3.1
Gross Receipts
$261,255
Mission and Program Overview

Mission

Credit union savings and loans.

Savings and loan activities authorized under the Federal Credit Union Act and New Mexico State Regulations.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$5,400,789$5,139,717▼ $261,072
Accounts Receivable$4,420,839$4,302,929▼ $117,910
Savings and Temporary Cash Investments$907,737$750,279▼ $157,458
Rtn Earn Endowment Incm Other Fnds$351,336$340,256▼ $11,080
Cash and Non-Interest-Bearing Accounts$289,933$305,936▲ $16,003
Investments Program Related$50,197$53,522▲ $3,325
Prepaid Expenses and Deferred Charges$48,788$39,263▼ $9,525
Land, Buildings, and Equipment, Net$15,721$12,091▼ $3,630
Total Assets$5,773,215$5,504,020▼ $269,195
Other Assets Total$40,000$40,000→ $0
Liabilities
Accounts Payable and Accrued Expenses$21,090$24,047▲ $2,957
Total Liabilities$21,090$24,047▲ $2,957
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,752,125$5,479,973▼ $272,152
Total Liabilities and Net Assets / Fund Balance$5,773,215$5,504,020▼ $269,195

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$12,091$64,807$76,898
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
William SommersManagerFT$55,000$3,300$58,300

Board Members and Trustees

NameTitle
Wesley RoeChairperson
Esther ParkVice Chairperson
Frederick SawyerBoard Member
David JaberSecretary
Brendan MillerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$204,173
Investment Income
$4,533
Other Revenue
$52,549
Change in Net Assets
$-7,936
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$150,117
Salaries, Compensation, and Employee Benefits$119,074
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$55,000--$55,000
Other Salaries and Wages$45,547--$45,547
Office Expenses$29,313--$29,313
Occupancy$15,723--$15,723
All Other Expenses$14,923--$14,923
Insurance$13,200--$13,200
Other Employee Benefits$10,204--$10,204
Payroll Taxes$8,323--$8,323
Depreciation Depletion$7,762--$7,762
Other Expenses$7,043--$7,043
Advertising$6,480--$6,480
Fees for Services Accounting$5,553--$5,553
Conferences and Meetings$4,694--$4,694
Interest$4,605--$4,605
Travel$1,590--$1,590
Total Functional Expenses$269,191$0$0$269,191
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
Federal income taxes-
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11A

“Form 990 is proofread by the manager and/or board members prior to submission.”

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

“Conflicts and potential impacts, if any, are discussed as they arise at board or other meetings.”

Filing and Contact Details

Filer

EIN
85-0470885
Phone
5059543479

Signing Officer

Name
Brendan Miller
Title
Treasurer
Signed
2014-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William G Sommers
Formed
2000
Legal Domicile
Nm
Voting Board Members
5
Independent Board Members
0
Employees
3
Volunteers
5

Preparer

Preparer
Eliot Stenzel
Phone
5052203198
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Net reduction in shares savings accounts.”

Raw XML Appendix361 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/TotalProgramServiceExpensesAmt0269191
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IRS990/TravelGrp/ProgramServicesAmt01590
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1010611 Calle Gandia NW
IRS990/USAddress/City0Albuquerque
IRS990/USAddress/State0NM
IRS990/USAddress/ZIPCode087114
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.permaculture.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Brendan Miller
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-02
ReturnHeader/Filer/BusinessName/BusinessNameLine10Permaculture Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0PERM
ReturnHeader/Filer/EIN0850470885
ReturnHeader/Filer/PhoneNum05059543479
ReturnHeader/Filer/USAddress/AddressLine104001 Office Court Drive Room 708
ReturnHeader/Filer/USAddress/City0Santa Fe
ReturnHeader/Filer/USAddress/State0NM
ReturnHeader/Filer/USAddress/ZIPCode087507
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Dreams Come True Inc
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine101 Fawn Court
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Cedar Crest
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0NM
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode087008
ReturnHeader/PreparerPersonGrp/PhoneNum05052203198
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Eliot Stenzel
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-05-02T09:38:54-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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