Civic Intelligence

Premier Services Credit Union

990 • Fiscal year 2014 • EIN 87-0220607

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 09, 2015

Organization ProfileWWW.PS-CU.ORG

View Organization Page

PO Box 9002West Jordan, UT 84084

(801) 531-9612

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2014

Liabilities / Revenue

58th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2014 filings • <$500k nonprofits • Source year 2014

Net Margin

35th percentile

-3.0%

Higher net margin than 35% of similar nonprofits.

2014 filings • <$500k nonprofits • Source year 2014

Top Officer Pay

75th percentile

$0

Higher top officer pay than 75% of similar nonprofits.

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

2014 filings • <$500k nonprofits • Source year 2014

Asset Growth

1st percentile

-100%

Faster asset growth than 1% of similar nonprofits.

2014 filings • <$500k nonprofits • Annualized from 2013 to 2014

Revenue Growth

7th percentile

-60%

Faster revenue growth than 7% of similar nonprofits.

2014 filings • <$500k nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $19,656,431 (-100%) from 2013

Net Assets

Down

$0

Down $1,896,487 (-100%) from 2013

Liabilities

Down

$0

Down $17,759,944 (-100%) from 2013

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin35th percentile

Revenue

Down

$371,900

Down $549,749 (-60%) from 2013

Expenses

Down

$382,954

Down $535,074 (-58%) from 2013

Net Income

Down

-$11,054

Down $14,675 (-405%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth1st 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

2014

Assets$0
Liabilities$0
Net Assets$0
Open 2014 Filing

Operations Trend

Revenue Growth7th percentile

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

2014

Revenue$371,900
Expenses$382,954
Net Income-$11,054
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 9, 2015
Return Version
2014v5.0
Gross Receipts
$371,900
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$11,005,887$0▼ $11,005,887
Savings and Temporary Cash Investments$8,240,496$0▼ $8,240,496
Rtn Earn Endowment Incm Other Fnds$1,896,487--
Cash and Non-Interest-Bearing Accounts$96,372$0▼ $96,372
Land, Buildings, and Equipment, Net$14,398$0▼ $14,398
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$19,656,431$0▼ $19,656,431
Other Assets Total$299,278$0▼ $299,278
Liabilities
Other Liabilities$17,617,235--
Accounts Payable and Accrued Expenses$142,709--
Total Liabilities$17,759,944$0▼ $17,759,944
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,896,487$0▼ $1,896,487
Total Liabilities and Net Assets / Fund Balance$19,656,431$0▼ $19,656,431
Compensation and Service Providers
Top Officer Pay75th percentile

Board Members and Trustees

NameTitle
Scott RedingtonChairman
Bill StarksDirector
Gabe HooleyDirector
Jeff BardinDirector
Jim DavidDirector
Jody McmillanDirector
La Vonne LiddleDirector
Mont PalmerDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$346,136
Investment Income
$25,764
Other Revenue
$0
Change in Net Assets
$-11,054
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$272,986
Salaries, Compensation, and Employee Benefits$109,968
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$80,903--$80,903
Office Expenses$42,257--$42,257
Other Expenses$32,697--$32,697
All Other Expenses$26,703--$26,703
Other Employee Benefits$20,554--$20,554
Occupancy$15,511--$15,511
Payroll Taxes$8,511--$8,511
Advertising$1,018--$1,018
Total Functional Expenses$382,954$0$0$382,954
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-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
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
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

Filer Name
Premier Services Credit Union
EIN
87-0220607
Phone
8015319612
Address
PO BOX 9002, West Jordan, UT 84084

Signing Officer

Name
Dennis Murray
Title
President
Signed
2015-11-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dennis Murray
Formed
1940
Legal Domicile
Ut
Voting Board Members
8
Independent Board Members
8
Employees
4

Preparer

Firm
Dickson and Company Inc
Address
455 East 500 South Suite 400, Salt Lake City, UT 84106
Preparer
Russell Dickson
Phone
8018596545
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“= -$1885433”

Raw XML Appendix384 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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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0WEST JORDAN
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0UT
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd084084
IRS990ScheduleN/OwnerOfSuccessorInd0false
IRS990ScheduleN/ReceiveCompensationInd0false
IRS990ScheduleN/RequiredToNotifyAGInd0true
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/ExplanationTxt4= -$1885433
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other Changes In Net Assets Or Fund Balances - Other Decreases
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0true
IRS990/TotalAssetsBOYAmt019656431
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt019656431
IRS990/TotalAssetsGrp/EOYAmt00
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IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0382954
IRS990/TotalFunctionalExpensesGrp/TotalAmt0382954
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt017759944
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt017759944
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01896487
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalProgramServiceRevenueAmt0346136
IRS990/TotalRevenueGrp/ExclusionAmt025764
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0346136
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0371900
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt019656431
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.PS-CU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DENNIS MURRAY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PREMIER SERVICES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PREM
ReturnHeader/Filer/EIN0870220607
ReturnHeader/Filer/PhoneNum08015319612
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 9002
ReturnHeader/Filer/USAddress/CityNm0West Jordan
ReturnHeader/Filer/USAddress/StateAbbreviationCd0UT
ReturnHeader/Filer/USAddress/ZIPCd084084
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DICKSON AND COMPANY INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0455 East 500 South Suite 400
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Salt Lake City
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0UT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd084106
ReturnHeader/PreparerPersonGrp/PhoneNum08018596545
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Russell Dickson
ReturnHeader/ReturnTs02015-11-09T13:50:30-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$371,900
Expenses
$382,954
Net income
-$11,054
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