Civic Intelligence

Premier Services Credit Union

990 • Fiscal year 2013 • EIN 87-0220607

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 31, 2014

Organization ProfileWWW.PS-CU.ORG

View Organization Page

PO Box 3563West Jordan, UT 84110

(801) 531-9612

Siviq Scores

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

Liabilities / Assets

76th percentile

0.90x

Higher debt load relative to assets than 76% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

48th percentile

19.27x

Higher debt load relative to revenue than 48% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

33rd percentile

0.4%

Higher net margin than 33% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

23rd percentile

-1.8%

Faster asset growth than 23% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M 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 / Assets76th percentile

Assets

Down

$19,656,431

Down $367,306 (-1.8%) from 2012

Net Assets

Up

$1,896,487

Up $3,621 (+0.2%) from 2012

Liabilities

Down

$17,759,944

Down $370,927 (-2.0%) from 2012

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin33rd percentile

Revenue

$921,649

No earlier filing loaded for comparison.

Expenses

Down

$918,028

Down $204,784 (-18%) from 2012

Net Income

$3,621

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth23rd percentile

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

$30M$20M$10M$0Assets 2010: $20,201,850Liabilities 2010: $17,977,538Net Assets 2010: $2,224,3122010Assets 2011: $20,161,355Liabilities 2011: $18,139,053Net Assets 2011: $2,022,3022011Assets 2012: $20,023,737Liabilities 2012: $18,130,871Net Assets 2012: $1,892,8662012Assets 2013: $19,656,431Liabilities 2013: $17,759,944Net Assets 2013: $1,896,4872013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2013

Assets$19,656,431
Liabilities$17,759,944
Net Assets$1,896,487
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,468,9112010Expenses 2011: $1,263,3092011Expenses 2012: $1,122,8122012Revenue 2013: $921,649Expenses 2013: $918,028Net Income 2013: $3,6212013Revenue 2014: $371,900Expenses 2014: $382,954Net Income 2014: -$11,0542014

Highlighted filing

2013

Revenue$921,649
Expenses$918,028
Net Income$3,621
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 31, 2014
Return Version
2013v3.1
Gross Receipts
$921,649
Mission and Program Overview

Mission

Providing credit union services to members through a state chartered credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,196,199$11,005,887▼ $190,312
Savings and Temporary Cash Investments$8,337,284$8,240,496▼ $96,788
Rtn Earn Endowment Incm Other Fnds$1,892,866$1,896,487▲ $3,621
Cash and Non-Interest-Bearing Accounts$123,730$96,372▼ $27,358
Land, Buildings, and Equipment, Net$50,870$14,398▼ $36,472
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$20,023,737$19,656,431▼ $367,306
Other Assets Total$315,654$299,278▼ $16,376
Liabilities
Other Liabilities$17,966,756$17,617,235▼ $349,521
Accounts Payable and Accrued Expenses$164,115$142,709▼ $21,406
Total Liabilities$18,130,871$17,759,944▼ $370,927
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,892,866$1,896,487▲ $3,621
Total Liabilities and Net Assets / Fund Balance$20,023,737$19,656,431▼ $367,306

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$14,327$209,268$223,595
Other Land Buildings$68$45,920$45,988
Leasehold Improvements$3$34,413$34,416
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Scott RedingtonChairman
Mont PalmerBrd Vice Chair
Bill StarksBoard Member
Bryan KastelerBoard Member
Jeff BardinBoard Member
Jody McmillanBoard Member
Jim DavidBoard Secretary
Gabe HooleyAlt Brd Member
La Vone LiddleAlt Brd Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$854,696
Investment Income
$66,953
Other Revenue
$0
Change in Net Assets
$3,621
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$663,421
Salaries, Compensation, and Employee Benefits$254,607
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$254,607
Office Expenses---$109,114
Other Expenses---$82,502
All Other Expenses---$60,237
Occupancy---$37,226
Travel---$2,165
Total Functional Expenses$0$0$0$918,028
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$7,031,151
Regular Certificates$4,157,704
Checking/draft$3,112,252
Ira/keogh$2,544,397
Money Market$771,731
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Management duties delegated
No

Governance Explanations

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

“Members of the credit union are required to maintain at least $25 in a share account at all times to qualify for membership.”

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

“The president of the credit union, dennis murray, performed a review of the form 990 before it was filed with the internal revenue service.”

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

“The board of directors reviews a report that details statistics of compensation for similar sized credit unions and considers other factors in determining compensation.”

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

“Upon request and also posted on national credit union administration's website.”

Filing and Contact Details

Filer

EIN
87-0220607
Phone
8015319612

Signing Officer

Name
Dennis Murray
Title
President
Signed
2014-03-31
Discuss with paid preparer
Yes

Organization Details

Formed
1940
Legal Domicile
Ut
Voting Board Members
7
Independent Board Members
7
Employees
8

Preparer

Preparer
Russell Dickson
Phone
8018596545
Raw XML Appendix378 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/OtherLiabilitiesOrgGrp/Amt27031151
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3771731
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt44157704
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CHECKING/DRAFT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1IRA/KEOGH
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4REGULAR CERTIFICATES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt014398
IRS990ScheduleD/TotalLiabilityAmt017617235
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS OF THE CREDIT UNION ARE REQUIRED TO MAINTAIN AT LEAST $25 IN A SHARE ACCOUNT AT ALL TIMES TO QUALIFY FOR MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE PRESIDENT OF THE CREDIT UNION, DENNIS MURRAY, PERFORMED A REVIEW OF THE FORM 990 BEFORE IT WAS FILED WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS REVIEWS A REPORT THAT DETAILS STATISTICS OF COMPENSATION FOR SIMILAR SIZED CREDIT UNIONS AND CONSIDERS OTHER FACTORS IN DETERMINING COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3UPON REQUEST AND ALSO POSTED ON NATIONAL CREDIT UNION ADMINISTRATION'S WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt020023737
IRS990/TotalAssetsEOYAmt019656431
IRS990/TotalAssetsGrp/BOYAmt020023737
IRS990/TotalAssetsGrp/EOYAmt019656431
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0918028
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt018130871
IRS990/TotalLiabilitiesEOYAmt017759944
IRS990/TotalLiabilitiesGrp/BOYAmt018130871
IRS990/TotalLiabilitiesGrp/EOYAmt017759944
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01892866
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01896487
IRS990/TotalProgramServiceRevenueAmt0854696
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0921649
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0921649
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt020023737
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt019656431
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt02165
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.PS-CU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DENNIS MURRAY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-31
ReturnHeader/Filer/BusinessName/BusinessNameLine10PREMIER SERVICES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PREM
ReturnHeader/Filer/EIN0870220607
ReturnHeader/Filer/PhoneNum08015319612
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 3563
ReturnHeader/Filer/USAddress/City0SALT LAKE CITY
ReturnHeader/Filer/USAddress/State0UT
ReturnHeader/Filer/USAddress/ZIPCode084110
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10DICKSON AND COMPANY INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine102956 S Hudson Cir
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Salt Lake City
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0UT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode084106
ReturnHeader/PreparerPersonGrp/PhoneNum08018596545
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Russell Dickson
ReturnHeader/ReturnTs02014-04-14T15:41:09-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$19,656,431
Liabilities
$17,759,944
Net assets
$1,896,487
Revenue
$921,649
Expenses
$918,028
Net income
$3,621
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.37$0.38$0.01
2013Detailed filing. Detailed filing data is available for this year.$19.7$17.8$1.90$0.92$0.92$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.0$18.1$1.89$1.12
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.2$18.1$2.02$1.26
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.2$18.0$2.22$1.47
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $10M-$25M nonprofits