Civic Intelligence

City Center Credit Union

990 • Fiscal year 2015 • EIN 87-0261067

Jan 01, 2015 to Dec 31, 2015 • Filed on May 09, 2016

Organization ProfileWWW.PROVOPOSTAL.COM
PO Box 1545Provo, UT 84603

(801) 374-5856

Siviq Scores

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

Liabilities / Assets

9th percentile

0.03x

Higher debt load relative to assets than 9% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Liabilities / Revenue

10th percentile

0.33x

Higher debt load relative to revenue than 10% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Net Margin

95th percentile

23%

Higher net margin than 95% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

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

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Asset Growth

96th percentile

12%

Faster asset growth than 96% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Revenue Growth

98th percentile

26%

Faster revenue growth than 98% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets9th percentile

Assets

Up

$7,764,970

Up $805,266 (+12%) from 2014

Net Assets

Up

$7,556,944

Up $634,320 (+9.2%) from 2014

Liabilities

Up

$208,026

Up $170,946 (+461%) from 2014

Revenue And Expenses
Liabilities / Revenue10th percentileNet Margin95th percentile

Revenue

Up

$638,225

Up $133,219 (+26%) from 2014

Expenses

Up

$494,023

Up $82,460 (+20%) from 2014

Net Income

Up

$144,202

Up $50,759 (+54%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth96th percentile

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

$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

2015

Assets$7,764,970
Liabilities$208,026
Net Assets$7,556,944
Open 2015 Filing

Operations Trend

Revenue Growth98th percentile

Revenue, expenses, and net income across loaded years, with this 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

2015

Revenue$638,225
Expenses$494,023
Net Income$144,202
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 9, 2016
Return Version
2015v2.1
Gross Receipts
$638,225
Mission and Program Overview

Mission

Provide low cost services (savings & loans) to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net-$7,160,732-
Rtn Earn Endowment Incm Other Fnds$6,922,624$5,871,892▼ $1,050,732
Cap Stk Tr Prin Current Funds-$1,685,052-
Investments Other Securities-$234,432-
Land, Buildings, and Equipment, Net$117,017$154,163▲ $37,146
Savings and Temporary Cash Investments$637,798$63,552▼ $574,246
Cash and Non-Interest-Bearing Accounts$44,456$51,457▲ $7,001
Prepaid Expenses and Deferred Charges$40,182$37,837▼ $2,345
Accounts Receivable$6,134,449$4,000▼ $6,130,449
Total Assets$6,959,704$7,764,970▲ $805,266
Other Assets Total$-14,198$58,797▲ $72,995
Liabilities
Accounts Payable and Accrued Expenses$37,080$207,921▲ $170,841
Other Liabilities-$105-
Total Liabilities$37,080$208,026▲ $170,946
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,922,624$7,556,944▲ $634,320
Total Liabilities and Net Assets / Fund Balance$6,959,704$7,764,970▲ $805,266

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$30,655$126,323$156,978
Buildings$39,505$49,746$89,251
Land$84,003-$84,003
Other Assets Org$37,146--
Financial Derivatives$234,432--
Compensation and Service Providers
Top Officer Pay18th percentile

Board Members and Trustees

NameTitle
Randy EdwardsChairman
Bryan EcholsDirector
Chad DotyDirector
Kevin LeeDirector
Scott JohnsonCEO
Derek WhettenSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$631,339
Investment Income
$6,886
Other Revenue
$0
Change in Net Assets
$144,202
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$259,616
Salaries, Compensation, and Employee Benefits$234,407
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$192,504--$192,504
Other Expenses$83,003--$83,003
Fees for Services Accounting$58,216--$58,216
Other Employee Benefits$41,903--$41,903
Office Expenses$22,180--$22,180
Occupancy$16,320--$16,320
Depreciation Depletion$14,800--$14,800
Conferences and Meetings$12,253--$12,253
Advertising$11,684--$11,684
All Other Expenses$10,105--$10,105
Total Functional Expenses$494,023$0$0$494,023
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Liabilities$105
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
Kevin Lee
Title
CEO
Phone
8013745856
Signed
2016-05-09
Discuss with paid preparer
No

Organization Details

Principal Officer
Scott Johnson
Formed
1928
Legal Domicile
Ut
Voting Board Members
6
Independent Board Members
6
Employees
0

Preparer

Firm
Lierty Tax Service
Address
4093 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”

Raw XML Appendix348 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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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
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
IRS990/SchoolOperatingInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0UT
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt06959704
IRS990/TotalAssetsEOYAmt07764970
IRS990/TotalAssetsGrp/BOYAmt06959704
IRS990/TotalAssetsGrp/EOYAmt07764970
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0494023
IRS990/TotalFunctionalExpensesGrp/TotalAmt0494023
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt037080
IRS990/TotalLiabilitiesEOYAmt0208026
IRS990/TotalLiabilitiesGrp/BOYAmt037080
IRS990/TotalLiabilitiesGrp/EOYAmt0208026
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06922624
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07556944
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0494023
IRS990/TotalProgramServiceRevenueAmt0631339
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0638225
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0638225
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06959704
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07764970
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.PROVOPOSTAL.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Kevin Lee
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08013745856
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-09
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/PreparerFirmGrp/PreparerFirmEIN0010785801
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Lierty Tax Service
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04093 South Redwood Road
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Salt Lake City
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0UT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd084123
ReturnHeader/PreparerPersonGrp/PhoneNum08018862088
ReturnHeader/PreparerPersonGrp/PreparationDt02016-05-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Jason Broschinsky
ReturnHeader/ReturnTs02016-05-11T11:36:26-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,764,970
Liabilities
$208,026
Net assets
$7,556,944
Revenue
$638,225
Expenses
$494,023
Net income
$144,202
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