Civic Intelligence

Credit Unions in State of Arizona

990 • Fiscal year 2013 • EIN 86-0108241

Jan 01, 2013 to Dec 31, 2013 • Filed on May 02, 2014

Organization ProfileWWW.CUWEST.ORG

View Organization Page

PO Box 7600Glendale, AZ 85312

(602) 631-3200

Siviq Scores

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

Liabilities / Assets

55th percentile

0.90x

Higher debt load relative to assets than 55% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

22nd percentile

14.68x

Higher debt load relative to revenue than 22% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

94th percentile

28%

Higher net margin than 94% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

66th percentile

$429,155

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

66th percentile

5.9%

Faster asset growth than 66% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$512,584,795

Up $28,436,434 (+5.9%) from 2012

Net Assets

Up

$51,488,032

Up $7,380,950 (+17%) from 2012

Liabilities

Up

$461,096,763

Up $21,055,484 (+4.8%) from 2012

Revenue And Expenses
Liabilities / Revenue22nd percentileNet Margin94th percentile

Revenue

$31,408,760

No earlier filing loaded for comparison.

Expenses

Down

$22,611,604

Down $767,561 (-3.3%) from 2012

Net Income

$8,797,156

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth66th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $414,019,525Liabilities 2010: $382,777,497Net Assets 2010: $31,242,0282010Assets 2011: $450,093,502Liabilities 2011: $414,351,801Net Assets 2011: $35,741,7012011Assets 2012: $484,148,361Liabilities 2012: $440,041,279Net Assets 2012: $44,107,0822012Assets 2013: $512,584,795Liabilities 2013: $461,096,763Net Assets 2013: $51,488,0322013Assets 2014: $549,234,387Liabilities 2014: $492,852,515Net Assets 2014: $56,381,8722014Assets 2015: $595,812,152Liabilities 2015: $537,164,768Net Assets 2015: $58,647,3842015Assets 2016: $643,849,278Liabilities 2016: $581,719,534Net Assets 2016: $62,129,7442016Assets 2017: $674,766,463Liabilities 2017: $607,681,921Net Assets 2017: $67,084,5422017Assets 2018: $714,248,010Liabilities 2018: $640,248,970Net Assets 2018: $73,999,0402018Assets 2019: $772,531,216Liabilities 2019: $690,107,370Net Assets 2019: $82,423,8462019Assets 2020: $921,242,904Liabilities 2020: $831,580,369Net Assets 2020: $89,662,5352020Assets 2021: $1,059,321,576Liabilities 2021: $961,725,577Net Assets 2021: $97,595,9992021Assets 2022: $1,117,757,318Liabilities 2022: $1,014,492,447Net Assets 2022: $103,264,8712022Assets 2023: $1,206,329,192Liabilities 2023: $1,090,583,497Net Assets 2023: $115,745,6952023Assets 2024: $1,299,512,297Liabilities 2024: $1,171,816,104Net Assets 2024: $127,696,1932024

Highlighted filing

2013

Assets$512,584,795
Liabilities$461,096,763
Net Assets$51,488,032
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$100M$50M$0Expenses 2010: $30,063,5432010Expenses 2011: $23,852,2812011Expenses 2012: $23,379,1652012Revenue 2013: $31,408,760Expenses 2013: $22,611,604Net Income 2013: $8,797,1562013Revenue 2014: $32,434,349Expenses 2014: $26,420,012Net Income 2014: $6,014,3372014Revenue 2015: $30,850,556Expenses 2015: $28,335,335Net Income 2015: $2,515,2212015Revenue 2016: $32,997,204Expenses 2016: $29,051,949Net Income 2016: $3,945,2552016Revenue 2017: $36,257,053Expenses 2017: $31,196,552Net Income 2017: $5,060,5012017Revenue 2018: $40,724,172Expenses 2018: $34,616,004Net Income 2018: $6,108,1682018Revenue 2019: $42,894,881Expenses 2019: $36,802,960Net Income 2019: $6,091,9212019Revenue 2020: $45,503,288Expenses 2020: $39,317,097Net Income 2020: $6,186,1912020Revenue 2021: $47,143,966Expenses 2021: $38,979,860Net Income 2021: $8,164,1062021Revenue 2022: $55,137,534Expenses 2022: $40,867,916Net Income 2022: $14,269,6182022Revenue 2023: $73,825,794Expenses 2023: $60,343,158Net Income 2023: $13,482,6362023Revenue 2024: $93,524,656Expenses 2024: $81,317,971Net Income 2024: $12,206,6852024

Highlighted filing

2013

Revenue$31,408,760
Expenses$22,611,604
Net Income$8,797,156
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 2, 2014
Return Version
2013v3.1
Gross Receipts
$31,778,111
Mission and Program Overview

Mission

To inspire our members, employees and communities to achieve their financial goals and enhance their quality of life.

Providing loans/services to credit union members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$319,866,151$357,768,075▲ $37,901,924
Investments Other Securities$78,482,606$57,752,639▼ $20,729,967
Rtn Earn Endowment Incm Other Fnds$44,107,082$51,488,032▲ $7,380,950
Land, Buildings, and Equipment, Net$18,897,349$21,419,965▲ $2,522,616
Cash and Non-Interest-Bearing Accounts$16,420,200$20,996,602▲ $4,576,402
Accounts Receivable$3,236,750$2,423,895▼ $812,855
Prepaid Expenses and Deferred Charges$770,583$2,238,998▲ $1,468,415
Savings and Temporary Cash Investments-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$484,148,361$512,584,795▲ $28,436,434
Other Assets Total$46,474,722$49,984,621▲ $3,509,899
Liabilities
Other Liabilities$433,258,005$454,675,881▲ $21,417,876
Accounts Payable and Accrued Expenses$6,783,274$6,420,882▼ $362,392
Total Liabilities$440,041,279$461,096,763▲ $21,055,484
Net Assets / Fund Balance
Total Net Assets Fund Balance$44,107,082$51,488,032▲ $7,380,950
Total Liabilities and Net Assets / Fund Balance$484,148,361$512,584,795▲ $28,436,434

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,772,619$2,457,718$13,230,337
Land$8,611,154-$8,611,154
Other Land Buildings$1,801,710$6,336,388$8,138,098
Leasehold Improvements$234,482$1,786,421$2,020,903
Other Assets Org$42,928,014--
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert W MacgregorPresident & CEOFT$288,345$140,810$429,155
David W SmithSr VP / CGCFT$161,250$74,468$235,718
Karen RochExecutive VPFT$160,442$71,582$232,024
Scott GrundyVP ItFT$117,177$58,499$175,676
Robert BirrVP LendingFT$122,274$51,411$173,685
Diana CruzVP Support ServiceFT$121,535$47,928$169,463
Lisa HayVP Relation MgtFT$122,197$42,565$164,762
Sarah DavisVP OperationsFT$117,790$37,283$155,073
Clayton BittingerVP CFOFT$128,435$11,856$140,291
Debbie WinterVP of BranchesFT$110,081$10,729$120,810

Board Members and Trustees

NameTitle
John SchurgardChairman
Beverly GatelyDirector
Dorothy M RoweDirector
James T CronkDirector
Larry K SchwartzDirector
Luis E GendreauDirector
Raymond E BoucherDirector
Robert L NoiseauDirector
William W WrightDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$29,836,960
Investment Income
$1,270,577
Other Revenue
$301,223
Change in Net Assets
$8,797,156
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$11,851,222
Other Expenses$10,760,382
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,397,385
Current Officers, Directors, Trustees, and Key Employees---$1,783,206
Occupancy---$1,632,977
Pension Plan Contributions---$1,274,371
Other Expenses---$806,113
Depreciation Depletion---$789,207
Advertising---$722,813
Other Employee Benefits---$719,893
Payroll Taxes---$676,367
Conferences and Meetings---$107,957
Interest---$3,556
All Other Expenses---$-483,000
Total Functional Expenses$0$0$0$22,611,604
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
Lobbying 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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$454,675,881
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Credit Union is owned by its members”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“Membership votes to elect governing body.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Membership votes on any governing by-laws changes.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“A copy of the Form 990 tax return is reviewed and approved by the Board of Directors prior to the return being filed.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Conflict of interest form is signed annually. Individuals must report any conflict of interest at the time it arises.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“15(a)Compensation Committee reviews information from independent compensation consultant and a compensation survey for CEO's and recommends salary range for each position. CEO's compensation is approved by the board.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“15b.Compensation for other Officers is reviewed by the compensation committee based on input from an independent compensation consultant and a compensation survey.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Financial statements are posted at all branch locations. Governing documents and conflict of interest policy are reviewed annually by the Board of Directors representing the entire membership. Other policy statements may be available upon request.”

Filing and Contact Details

Filer

EIN
86-0108241
Phone
6026313200

Signing Officer

Name
Robert W Macgregor
Title
President & CEO
Signed
2014-05-02

Organization Details

Principal Officer
Robert W Macgregor
Formed
1951
Legal Domicile
Az
Voting Board Members
9
Independent Board Members
9
Employees
221
Volunteers
14
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Gain on Sale of Investments = -$23033”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Miscellaneous Loss on Sale of Assets = -$131308”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Other Comprehensive Income - pension plan = $783146”

Raw XML AppendixShowing 400 of 580 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/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9President & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10Executive VP
IRS990/Form990PartVIISectionAGrp/TitleTxt11SR VP / CGC
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP of Branches
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP Support Service
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP Relation Mgt
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IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
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IRS990/MembersOrStockholdersInd0true
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IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
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IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0254767
IRS990/NetUnrelatedBusTxblIncmAmt0-92318
IRS990/NetUnrlzdGainsLossesInvstAmt0-2045011
IRS990/NondeductibleContributionsInd0false
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IRS990/OperateHospitalInd0false
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IRS990/OrgFiledInLieuOfForm1041Ind0false
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IRS990/OtherChangesInNetAssetsAmt0628805
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0719893
IRS990/OtherExpensesGrp/Desc0Office operations
IRS990/OtherExpensesGrp/Desc1Loan Servicing
IRS990/OtherExpensesGrp/Desc2Dividends
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IRS990/OtherExpensesGrp/TotalAmt12518844
IRS990/OtherExpensesGrp/TotalAmt21552918
IRS990/OtherExpensesGrp/TotalAmt3806113
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IRS990/OtherRevenueTotalAmt046456
IRS990/OtherSalariesAndWagesGrp/TotalAmt07397385
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0319866151
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0357768075
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IRS990/PayrollTaxesGrp/TotalAmt0676367
IRS990/PensionPlanContributionsGrp/TotalAmt01274371
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02238998
IRS990/PrincipalOfficerNm0ROBERT W MACGREGOR
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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt01197179
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt11561047
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt24298381
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt342928014

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$512,584,795
Liabilities
$461,096,763
Net assets
$51,488,032
Revenue
$31,408,760
Expenses
$22,611,604
Net income
$8,797,156
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,300$1,172$128$93.5$81.3$12.2
2023Detailed filing. Detailed filing data is available for this year.$1,206$1,091$116$73.8$60.3$13.5
2022Detailed filing. Detailed filing data is available for this year.$1,118$1,014$103$55.1$40.9$14.3
2021Detailed filing. Detailed filing data is available for this year.$1,059$962$97.6$47.1$39.0$8.16
2020Detailed filing. Detailed filing data is available for this year.$921$832$89.7$45.5$39.3$6.19
2019Detailed filing. Detailed filing data is available for this year.$773$690$82.4$42.9$36.8$6.09
2018Detailed filing. Detailed filing data is available for this year.$714$640$74.0$40.7$34.6$6.11
2017Detailed filing. Detailed filing data is available for this year.$675$608$67.1$36.3$31.2$5.06
2016Detailed filing. Detailed filing data is available for this year.$644$582$62.1$33.0$29.1$3.95
2015Detailed filing. Detailed filing data is available for this year.$596$537$58.6$30.9$28.3$2.52
2014Detailed filing. Detailed filing data is available for this year.$549$493$56.4$32.4$26.4$6.01
2013Detailed filing. Detailed filing data is available for this year.$513$461$51.5$31.4$22.6$8.80
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$484$440$44.1$23.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$450$414$35.7$23.9
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$414$383$31.2$30.1