Civic Intelligence

Uintah Credit Union

990 • Fiscal year 2014 • EIN 87-0254587

Jan 01, 2014 to Dec 31, 2014 • Filed on May 15, 2015

Organization ProfileN/A
P O Box 805Vernal, UT 84078

(435) 789-8353

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.86x

Higher debt load relative to assets than 62% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

91st percentile

32.55x

Higher debt load relative to revenue than 91% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

32nd percentile

-2.2%

Higher net margin than 32% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

34th percentile

$18,000

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 20.1% of source-year revenue.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

51st percentile

-1.0%

Faster asset growth than 51% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

34th percentile

-5.8%

Faster revenue growth than 34% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Flat

$3,401,249

Flat from 2014

Net Assets

Flat

$483,218

Flat from 2014

Liabilities

Flat

$2,918,031

Flat from 2014

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin32nd percentile

Revenue

Flat

$89,636

Flat from 2014

Expenses

Flat

$91,592

Flat from 2014

Net Income

Flat

-$1,956

Flat from 2014

Historical Trend

Balance Sheet Trend

Asset Growth51st percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $3,277,242Liabilities 2010: $2,799,118Net Assets 2010: $478,1242010Assets 2011: $3,375,903Liabilities 2011: $2,895,853Net Assets 2011: $480,0502011Assets 2012: $3,185,744Liabilities 2012: $2,708,091Net Assets 2012: $477,6532012Assets 2013: $3,435,651Liabilities 2013: $2,950,477Net Assets 2013: $485,1742013Assets 2014: $3,401,249Liabilities 2014: $2,918,031Net Assets 2014: $483,2182014Assets 2014: $3,401,249Liabilities 2014: $2,918,031Net Assets 2014: $483,2182014Assets 2015: $3,355,988Liabilities 2015: $2,872,266Net Assets 2015: $483,7222015Assets 2016: $3,440,855Liabilities 2016: $2,956,028Net Assets 2016: $484,8272016Assets 2017: $3,148,347Liabilities 2017: $2,656,862Net Assets 2017: $491,4852017Assets 2018: $3,539,022Liabilities 2018: $3,032,878Net Assets 2018: $506,1442018Assets 2019: $3,329,890Liabilities 2019: $2,805,732Net Assets 2019: $524,1582019Assets 2020: $3,833,157Liabilities 2020: $3,347,277Net Assets 2020: $485,8802020Assets 2021: $4,444,857Liabilities 2021: $3,977,071Net Assets 2021: $467,7862021Assets 2022: $4,653,399Liabilities 2022: $4,181,750Net Assets 2022: $471,6492022Assets 2023: $4,384,618Liabilities 2023: $3,821,253Net Assets 2023: $563,3652023

Highlighted filing

2014

Assets$3,401,249
Liabilities$2,918,031
Net Assets$483,218
Open 2014 Filing

Operations Trend

Revenue Growth34th percentile

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

$200K$100K$0-$100KExpenses 2010: $134,4602010Revenue 2011: $100,654Expenses 2011: $98,728Net Income 2011: $1,9262011Expenses 2012: $96,1752012Revenue 2013: $95,169Expenses 2013: $87,648Net Income 2013: $7,5212013Revenue 2014: $89,636Expenses 2014: $91,592Net Income 2014: -$1,9562014Revenue 2014: $89,636Expenses 2014: $91,592Net Income 2014: -$1,9562014Revenue 2015: $81,917Expenses 2015: $81,413Net Income 2015: $5042015Revenue 2016: $81,450Expenses 2016: $80,345Net Income 2016: $1,1052016Revenue 2017: $82,936Expenses 2017: $76,278Net Income 2017: $6,6582017Revenue 2018: $90,834Expenses 2018: $76,175Net Income 2018: $14,6592018Revenue 2019: $99,252Expenses 2019: $81,238Net Income 2019: $18,0142019Revenue 2020: $70,019Expenses 2020: $108,297Net Income 2020: -$38,2782020Revenue 2021: $61,088Expenses 2021: $79,182Net Income 2021: -$18,0942021Revenue 2022: $82,158Expenses 2022: $78,295Net Income 2022: $3,8632022Revenue 2023: $187,037Expenses 2023: $95,321Net Income 2023: $91,7162023

Highlighted filing

2014

Revenue$89,636
Expenses$91,592
Net Income-$1,956
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 15, 2015
Return Version
2014v5.0
Gross Receipts
$89,636
Mission and Program Overview

Mission

Provide lending and investing services to our members: employees of Uintah School District.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,793,747$1,625,384▼ $168,363
Investments in Publicly Traded Securities$1,000,000$1,000,000→ $0
Savings and Temporary Cash Investments$625,181$761,052▲ $135,871
Rtn Earn Endowment Incm Other Fnds$485,174$483,218▼ $1,956
Prepaid Expenses and Deferred Charges$9,032$9,459▲ $427
Land, Buildings, and Equipment, Net$7,691$5,354▼ $2,337
Cash and Non-Interest-Bearing Accounts-$0-
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-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$3,435,651$3,401,249▼ $34,402
Other Assets Total-$0-
Liabilities
Other Liabilities$2,948,601$2,916,036▼ $32,565
Accounts Payable and Accrued Expenses$1,876$1,995▲ $119
Total Liabilities$2,950,477$2,918,031▼ $32,446
Net Assets / Fund Balance
Total Net Assets Fund Balance$485,174$483,218▼ $1,956
Total Liabilities and Net Assets / Fund Balance$3,435,651$3,401,249▼ $34,402

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,354$17,015$22,369
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dan E OlsenPresidentPT$18,000$18,000
Teresa HarrisonSecretaryPT$4,830$4,830

Board Members and Trustees

NameTitle
Dennis SpackmanChairman
Cody CalderDirector
Robert ReayDirector
Tim HadlockDirector
Wade OlsenDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$89,636
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-1,956
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$57,486
Salaries, Compensation, and Employee Benefits$34,106
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$22,830--$22,830
Fees for Services Other$14,040--$14,040
Occupancy$9,911--$9,911
Other Salaries and Wages$8,618--$8,618
Insurance$6,600--$6,600
Office Expenses$2,724--$2,724
Payroll Taxes$2,658--$2,658
Depreciation Depletion$2,337--$2,337
Other Expenses$2,186--$2,186
All Other Expenses$2,158--$2,158
Advertising$157--$157
Total Functional Expenses$91,592$0$0$91,592
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 share deposits$2,916,036
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
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 2: Description of Business or Family Relationship of Officers, Directors, Et

“Dan E Olsen, president and Wade Olsen, director are brothers.”

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

“Each individual who opens an account with the credit union becomes a member and remains so as long as they maintain a share account.”

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

“Form 990 is prepared by a CPA firm. It is reviewed and signed by the president. The president reports to the board that the return was filed.”

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

“The board members and officers annually document their compliance with the conflict of interest policy. The documentation is audited annually by State regulators and by the credit union's peer organization.”

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

“The directors annually review the compensation of the credit union's officers and other employees. Consideration is given to cost of living adjustments, changes in local compensation rates, etc. The board sets the compensation rates.”

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

“The directors annually review the compensation of all employees.”

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

“The organization's governing documents, conflict of interest policy, and finanical statements are available to the public for review at the organization's office upon request.”

Filing and Contact Details

Filer

Filer Name
Uintah Credit Union
EIN
87-0254587
Phone
4357898353
Address
P O BOX 805, VERNAL, UT 84078

Signing Officer

Name
Dan E Olsen
Title
President
Signed
2015-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dan E Olsen
Legal Domicile
Ut
Voting Board Members
5
Independent Board Members
5
Employees
4

Preparer

Firm
Pinnacle Accountancy Group
Address
92 North Vernal Avenue, Vernal, UT 84078-2104
Preparer
Robert L Foley CPA
Phone
4357890961
Raw XML Appendix377 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/PYProgramServiceRevenueAmt095169
IRS990/PYRevenuesLessExpensesAmt07521
IRS990/PYSalariesCompEmpBnftPaidAmt034049
IRS990/PYTotalExpensesAmt087648
IRS990/PYTotalRevenueAmt095169
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-1956
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt089636
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0485174
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0483218
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0625181
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0761052
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt05354
IRS990ScheduleD/EquipmentGrp/DepreciationAmt017015
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt022369
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02916036
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member share deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05354
IRS990ScheduleD/TotalLiabilityAmt02916036
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Dan E Olsen, president and Wade Olsen, director are brothers.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Each individual who opens an account with the credit union becomes a member and remains so as long as they maintain a share account.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 is prepared by a CPA firm. It is reviewed and signed by the president. The president reports to the board that the return was filed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The board members and officers annually document their compliance with the conflict of interest policy. The documentation is audited annually by State regulators and by the credit union's peer organization.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The directors annually review the compensation of the credit union's officers and other employees. Consideration is given to cost of living adjustments, changes in local compensation rates, etc. The board sets the compensation rates.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The directors annually review the compensation of all employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The organization's governing documents, conflict of interest policy, and finanical statements are available to the public for review at the organization's office upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 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/TotalAssetsBOYAmt03435651
IRS990/TotalAssetsEOYAmt03401249
IRS990/TotalAssetsGrp/BOYAmt03435651
IRS990/TotalAssetsGrp/EOYAmt03401249
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt091592
IRS990/TotalFunctionalExpensesGrp/TotalAmt091592
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02950477
IRS990/TotalLiabilitiesEOYAmt02918031
IRS990/TotalLiabilitiesGrp/BOYAmt02950477
IRS990/TotalLiabilitiesGrp/EOYAmt02918031
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0485174
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0483218
IRS990/TotalProgramServiceExpensesAmt091592
IRS990/TotalProgramServiceRevenueAmt089636
IRS990/TotalReportableCompFromOrgAmt022830
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt089636
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt089636
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03435651
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03401249
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02012 S 2000 E
IRS990/USAddress/CityNm0Naples
IRS990/USAddress/StateAbbreviationCd0UT
IRS990/USAddress/ZIPCd084078
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Dan E Olsen
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UINTAH CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0UINT
ReturnHeader/Filer/EIN0870254587
ReturnHeader/Filer/PhoneNum04357898353
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 805
ReturnHeader/Filer/USAddress/CityNm0VERNAL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0UT
ReturnHeader/Filer/USAddress/ZIPCd084078
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Pinnacle Accountancy Group
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt092 North Vernal Avenue
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Vernal
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0UT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0840782104
ReturnHeader/PreparerPersonGrp/PhoneNum04357890961
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Robert L Foley CPA
ReturnHeader/ReturnTs02015-05-13T08:41:54-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$3,401,249
Liabilities
$2,918,031
Net assets
$483,218
Revenue
$89,636
Expenses
$91,592
Net income
-$1,956
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$4.38$3.82$0.56$0.19$0.10$0.09
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.65$4.18$0.47$0.08$0.08$0.00
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.44$3.98$0.47$0.06$0.08$0.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.83$3.35$0.49$0.07$0.11$0.04
2019Summary only. Only limited summary data is available for this year.$3.33$2.81$0.52$0.10$0.08$0.02
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.54$3.03$0.51$0.09$0.08$0.01
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.15$2.66$0.49$0.08$0.08$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.44$2.96$0.48$0.08$0.08$0.00
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.36$2.87$0.48$0.08$0.08$0.00
2014Detailed filing. Detailed filing data is available for this year.$3.40$2.92$0.48$0.09$0.09$0.00
2014Summary only. Only limited summary data is available for this year.$3.40$2.92$0.48$0.09$0.09$0.00
2013Detailed filing. Detailed filing data is available for this year.$3.44$2.95$0.49$0.10$0.09$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.19$2.71$0.48$0.10
2011Summary only. Only limited summary data is available for this year.$3.38$2.90$0.48$0.10$0.10$0.00
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.28$2.80$0.48$0.13