Civic Intelligence

Uintah Credit Union

990 • Fiscal year 2016 • EIN 87-0254587

Jan 01, 2016 to Dec 31, 2016 • Filed on Feb 13, 2017

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

64th percentile

0.86x

Higher debt load relative to assets than 64% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

92nd percentile

36.29x

Higher debt load relative to revenue than 92% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Net Margin

43rd percentile

1.4%

Higher net margin than 43% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

30th percentile

$13,400

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 16.5% of source-year revenue.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Asset Growth

70th percentile

2.5%

Faster asset growth than 70% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

53rd percentile

-0.6%

Faster revenue growth than 53% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$3,440,855

Up $84,867 (+2.5%) from 2015

Net Assets

Up

$484,827

Up $1,105 (+0.2%) from 2015

Liabilities

Up

$2,956,028

Up $83,762 (+2.9%) from 2015

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin43rd percentile

Revenue

Down

$81,450

Down $467 (-0.6%) from 2015

Expenses

Down

$80,345

Down $1,068 (-1.3%) from 2015

Net Income

Up

$1,105

Up $601 (+119%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth70th 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 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

2016

Assets$3,440,855
Liabilities$2,956,028
Net Assets$484,827
Open 2016 Filing

Operations Trend

Revenue Growth53rd 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 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

2016

Revenue$81,450
Expenses$80,345
Net Income$1,105
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Feb 13, 2017
Return Version
2016v3.0
Gross Receipts
$81,450
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$1,438,583$1,308,322▼ $130,261
Savings and Temporary Cash Investments$903,810$1,122,239▲ $218,429
Investments in Publicly Traded Securities$1,000,000$1,000,000→ $0
Rtn Earn Endowment Incm Other Fnds$483,722$484,827▲ $1,105
Prepaid Expenses and Deferred Charges$9,903$9,023▼ $880
Land, Buildings, and Equipment, Net$3,692$1,271▼ $2,421
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$3,355,988$3,440,855▲ $84,867
Other Assets Total-$0-
Liabilities
Other Liabilities$2,870,494$2,954,125▲ $83,631
Accounts Payable and Accrued Expenses$1,772$1,903▲ $131
Total Liabilities$2,872,266$2,956,028▲ $83,762
Net Assets / Fund Balance
Total Net Assets Fund Balance$483,722$484,827▲ $1,105
Total Liabilities and Net Assets / Fund Balance$3,355,988$3,440,855▲ $84,867

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,271$19,804$21,075
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dan E OlsenPresidentPT$13,400$13,400
Teresa HarrisonSecretaryPT$4,635$4,635

Board Members and Trustees

NameTitle
Dennis SpackmanChairman
Cody CalderDirector
Leon HoytDirector
Robert ReayDirector
Wade OlsenDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$81,450
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$1,105
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$52,781
Salaries, Compensation, and Employee Benefits$27,564
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$18,035--$18,035
Occupancy$9,881--$9,881
Other Salaries and Wages$9,529--$9,529
Insurance$6,937--$6,937
All Other Expenses$4,554--$4,554
Other Expenses$3,953--$3,953
Office Expenses$3,005--$3,005
Depreciation Depletion$2,634--$2,634
Advertising$133--$133
Total Functional Expenses$80,345$0$0$80,345
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$2,954,125
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
2017-02-13
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 PLLC
Address
1680 West Hwy 40 Ste 204, Vernal, UT 84078
Preparer
Richard Mahoney CPA
Phone
4357890961
Raw XML Appendix374 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/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt01105
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt081450
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0483722
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0484827
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0903810
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01122239
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt01271
IRS990ScheduleD/EquipmentGrp/DepreciationAmt019804
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt021075
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02954125
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member share deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01271
IRS990ScheduleD/TotalLiabilityAmt02954125
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/TotalAssetsBOYAmt03355988
IRS990/TotalAssetsEOYAmt03440855
IRS990/TotalAssetsGrp/BOYAmt03355988
IRS990/TotalAssetsGrp/EOYAmt03440855
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt080345
IRS990/TotalFunctionalExpensesGrp/TotalAmt080345
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02872266
IRS990/TotalLiabilitiesEOYAmt02956028
IRS990/TotalLiabilitiesGrp/BOYAmt02872266
IRS990/TotalLiabilitiesGrp/EOYAmt02956028
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0483722
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0484827
IRS990/TotalProgramServiceExpensesAmt080345
IRS990/TotalProgramServiceRevenueAmt081450
IRS990/TotalReportableCompFromOrgAmt018035
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt081450
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt081450
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03355988
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03440855
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/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Dan E Olsen
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-02-13
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 PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01680 West Hwy 40 Ste 204
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Vernal
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0UT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd084078
ReturnHeader/PreparerPersonGrp/PhoneNum04357890961
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Richard Mahoney CPA
ReturnHeader/ReturnTs02017-02-13T14:25:54-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,440,855
Liabilities
$2,956,028
Net assets
$484,827
Revenue
$81,450
Expenses
$80,345
Net income
$1,105
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
2016Detailed filing. Detailed filing data is available for this year.$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
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