Civic Intelligence

City Center Credit Union

EIN 87-0261067 • 501(c)14 • Provo, UT

Profile

Provide low cost services (savings & loans) to members

PO Box 1545Provo, UT 84603

www.citycentercu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2019

Liabilities / Revenue

40th percentile

0.00x

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

$500k-$1M nonprofits • Source year 2019

Net Margin

9th percentile

-67%

Higher net margin than 9% of similar nonprofits.

$500k-$1M nonprofits • Source year 2019

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

2nd percentile

-100%

Faster asset growth than 2% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2018 to 2019

Revenue Growth

9th percentile

-42%

Faster revenue growth than 9% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $15,198,120 (-100%) from 2018

Liabilities

Down

$0

Down $46,341 (-100%) from 2018

Net Assets

Down

$0

Down $15,151,779 (-100%) from 2018

Operations
Liabilities / Revenue40th percentileNet Margin9th percentile

Revenue

Down

$967,446

Down $699,037 (-42%) from 2018

Expenses

Down

$1,616,750

Down $648,868 (-29%) from 2018

Net Income

Down

-$649,304

Down $50,169 (-8.4%) from 2018

Trend Graphs

Balance Sheet Trend

Asset Growth2nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$20M$15M$10M$5.0M$0Assets 2010: $6,173,579Liabilities 2010: $0Net Assets 2010: $6,173,5792010Assets 2011: $6,258,785Liabilities 2011: $4,486Net Assets 2011: $6,254,2992011Assets 2012: $6,285,995Liabilities 2012: $14,926Net Assets 2012: $6,271,0692012Assets 2013: $6,330,947Liabilities 2013: $22,829Net Assets 2013: $6,308,1182013Assets 2014: $6,959,704Liabilities 2014: $37,080Net Assets 2014: $6,922,6242014Assets 2015: $7,764,970Liabilities 2015: $208,026Net Assets 2015: $7,556,9442015Assets 2016: $10,385,061Liabilities 2016: $32,649Net Assets 2016: $10,352,4122016Assets 2017: $12,961,679Liabilities 2017: $42,495Net Assets 2017: $12,919,1842017Assets 2018: $15,198,120Liabilities 2018: $46,341Net Assets 2018: $15,151,7792018Assets 2019: $0Liabilities 2019: $0Net Assets 2019: $02019

Highlighted filing

2019

Assets$0
Liabilities$0
Net Assets$0
Open 2019 Filing

Operations Trend

Revenue Growth9th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $519,5312010Revenue 2011: $538,760Expenses 2011: $454,701Net Income 2011: $84,0592011Expenses 2012: $440,0832012Revenue 2013: $436,129Expenses 2013: $399,080Net Income 2013: $37,0492013Revenue 2014: $505,006Expenses 2014: $411,563Net Income 2014: $93,4432014Revenue 2015: $638,225Expenses 2015: $494,023Net Income 2015: $144,2022015Revenue 2016: $960,216Expenses 2016: $608,300Net Income 2016: $351,9162016Revenue 2017: $1,362,418Expenses 2017: $1,010,684Net Income 2017: $351,7342017Revenue 2018: $1,666,483Expenses 2018: $2,265,618Net Income 2018: -$599,1352018Revenue 2019: $967,446Expenses 2019: $1,616,750Net Income 2019: -$649,3042019

Highlighted filing

2019

Revenue$967,446
Expenses$1,616,750
Net Income-$649,304
Open 2019 Filing

Filings

Most recent year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$967,446
Expenses
$1,616,750
Net income
-$649,304
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.97$1.62$0.65
2018Detailed filing. Detailed filing data is available for this year.$15.2$0.05$15.2$1.67$2.27$0.60
2017Detailed filing. Detailed filing data is available for this year.$13.0$0.04$12.9$1.36$1.01$0.35
2016Summary only. Only limited summary data is available for this year.$10.4$0.03$10.4$0.96$0.61$0.35
2015Detailed filing. Detailed filing data is available for this year.$7.76$0.21$7.56$0.64$0.49$0.14
2014Summary only. Only limited summary data is available for this year.$6.96$0.04$6.92$0.51$0.41$0.09
2013Detailed filing. Detailed filing data is available for this year.$6.33$0.02$6.31$0.44$0.40$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.29$0.01$6.27$0.44
2011Summary only. Only limited summary data is available for this year.$6.26$0.00$6.25$0.54$0.45$0.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.17$0.00$6.17$0.52
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Oct 31, 2019
Signed
Jun 23, 2020
Return Version
2019v5.1
Gross Receipts
$967,446
Mission and Program Overview

Mission

Provide low cost services (savings & loans) to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$14,326,421--
Other Notes and Loans Receivable, Net$12,780,973--
Investments Program Related$1,879,106--
Rtn Earn Endowment Incm Other Fnds$825,358--
Prepaid Expenses and Deferred Charges$119,182--
Land, Buildings, and Equipment, Net$117,947--
Savings and Temporary Cash Investments$114,868--
Cash and Non-Interest-Bearing Accounts$90,592--
Total Assets$15,198,120$0▼ $15,198,120
Other Assets Total$95,452--
Liabilities
Accounts Payable and Accrued Expenses$46,341--
Total Liabilities$46,341$0▼ $46,341
Net Assets / Fund Balance
Total Net Assets Fund Balance$15,151,779$0▼ $15,151,779
Total Liabilities and Net Assets / Fund Balance$15,198,120$0▼ $15,198,120

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$7,529$149,449$156,978
Buildings$26,415$62,836$89,251
Land$84,003-$84,003
Investment Program Related Org$1,879,106--
Other Assets Org$-694,511--
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Kevin LeeChairman
Chad DotyDirector
Kevin MulveyDirector
Randy EdwardsDirector
Scott JohnsonCEO
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$958,320
Investment Income
$9,126
Other Revenue
$0
Change in Net Assets
$-649,304
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,041,471
Salaries, Compensation, and Employee Benefits$323,209
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$262,271-$262,271
Benefits to Members$252,070--$252,070
Office Expenses-$105,038-$105,038
Other Employee Benefits-$60,938-$60,938
Fees for Services Other$29,793--$29,793
Occupancy-$15,332-$15,332
Other Expenses$13,534--$13,534
Interest$8,230--$8,230
Depreciation Depletion$6,981--$6,981
Conferences and Meetings-$3,958-$3,958
Total Functional Expenses$1,169,213$447,537$0$1,616,750
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Expenses$2,431
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with 35% controlled entity
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Officer directors etc family relationship Part VI line 2

“Chairman paul opfar is brother in law to director kaleb ogren. Mr. Offar is married to mr ogrens sister”

Form 990 governing body review Part VI line 11

“The ceo reviews the tax return”

CEO executive director top management comp Part VI line 15A

“Compensation is determined by the board of directors and reviewed anually”

Other officer or key employee compensation Part VI line 15B

“Compensation is determined by the board of directors. They review the amount of compensation each yearthe board of directors is not compensated. The ceo is the only paid officer”

Governing documents etc available to public Part VI line 19

“The president and ceo reviews the tax returncompensation for the ceo is reviewed and approved by the board of directors. All members of the board of directors are volunteers and do not receive compensationgoverning documents are available upon request. They can be requested and delivered by email or by contacting the ceo directly”

Filing and Contact Details

Filer

Filer Name
City Center Credit Union
EIN
87-0261067
Address
PO Box 1545, Provo, UT 84603

Signing Officer

Name
Scott Johnson
Title
CEO
Phone
8013745856
Signed
2020-06-23
Discuss with paid preparer
No

Organization Details

Principal Officer
Scott Johnson
Formed
1928
Legal Domicile
Ut
Voting Board Members
5
Independent Board Members
5
Employees
0

Preparer

Firm
Liberty Tax Service
Address
4083 South Redwood Road, Salt Lake City, UT 84123
Preparer
Jason Broschinsky
Phone
8018862088
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“Addition of Increase in Loan balances and unrecorded assets. Changes in amount of member loans and account balances. Sale of CU to America First Credit Union Addition of Increase in Loans to Members, Member Deposits, and other assets.”

Raw XML Appendix365 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/KeyEmployeeInd0X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/PersonNm0Kevin Lee
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
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IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01928
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IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
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IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/AddressLine1Txt03650 Wall Ave
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/CityNm0Ogden
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/StateAbbreviationCd0UT
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/ZIPCd084405
IRS990ScheduleN/LiabilitiesPaidInd0true
IRS990ScheduleN/RequiredToNotifyAGInd0true
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CHAIRMAN PAUL OPFAR IS BROTHER IN LAW TO DIRECTOR KALEB OGREN. MR. OFFAR IS MARRIED TO MR OGRENS SISTER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CEO REVIEWS THE TAX RETURN
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS AND REVIEWED ANUALLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS. THEY REVIEW THE AMOUNT OF COMPENSATION EACH YEARTHE BOARD OF DIRECTORS IS NOT COMPENSATED. THE CEO IS THE ONLY PAID OFFICER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE PRESIDENT AND CEO REVIEWS THE TAX RETURNCOMPENSATION FOR THE CEO IS REVIEWED AND APPROVED BY THE BOARD OF DIRECTORS. ALL MEMBERS OF THE BOARD OF DIRECTORS ARE VOLUNTEERS AND DO NOT RECEIVE COMPENSATIONGOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST. THEY CAN BE REQUESTED AND DELIVERED BY EMAIL OR BY CONTACTING THE CEO DIRECTLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Addition of Increase in Loan balances and unrecorded assets. Changes in amount of member loans and account balances. Sale of CU to America First Credit Union Addition of Increase in Loans to Members, Member Deposits, and other assets.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Officer directors etc family relationship Part VI line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Explanation of other changes in net assets or fund balances Part XI line 9
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IRS990/TotalAssetsBOYAmt015198120
IRS990/TotalAssetsEOYAmt00
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IRS990/TotalAssetsGrp/EOYAmt00
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IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0447537
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01169213
IRS990/TotalFunctionalExpensesGrp/TotalAmt01616750
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt046341
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt046341
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt015151779
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt01169213
IRS990/TotalProgramServiceRevenueAmt0958320
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0967446
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0967446
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt015198120
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
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IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.CityCenterCU.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Scott Johnson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08013745856
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-06-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0City Center Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0CITY
ReturnHeader/Filer/EIN0870261067
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 1545
ReturnHeader/Filer/USAddress/CityNm0Provo
ReturnHeader/Filer/USAddress/StateAbbreviationCd0UT
ReturnHeader/Filer/USAddress/ZIPCd084603
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0C073228588B095A46E48FBBB3F878C6C4BF88D78
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0C073228588B095A46E48FBBB3F878C6C4BF88D78
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId08733342020183htz0kgt
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02020-07-01
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt050.252.142.25
ReturnHeader/FilingSecurityInformation/IPDt02020-07-01
ReturnHeader/FilingSecurityInformation/IPTm012:52:33
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0010785801
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Liberty Tax Service
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04083 South Redwood Road
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Salt Lake City
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0UT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd084123
ReturnHeader/PreparerPersonGrp/PhoneNum08018862088
ReturnHeader/PreparerPersonGrp/PreparationDt02020-07-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Jason Broschinsky
ReturnHeader/ReturnTs02020-07-01T12:48:47-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-10-31
ReturnHeader/TaxYr02019

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