Civic Intelligence

Credit Unions Chartered in the State of Utah

EIN 87-6127681 • 501(c)14 • Salt Lake City, UT

Profile

Credit union financial services

769 East South TempleSalt Lake City, UT 84102-1221

www.myhccu.org

Siviq Scores

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

Liabilities / Assets

55th percentile

0.88x

Higher debt load relative to assets than 55% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

99th percentile

30.87x

Higher debt load relative to revenue than 99% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

3rd percentile

-35%

Higher net margin than 3% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

67th percentile

$180,100

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 8.2% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

86th percentile

8.4%

Faster asset growth than 86% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

16th percentile

-0.0%

Faster revenue growth than 16% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Assets

Up

$76,577,829

Up $5,913,775 (+8.4%) from 2015

Liabilities

Up

$67,644,220

Up $6,681,881 (+11%) from 2015

Net Assets

Down

$8,933,609

Down $768,106 (-7.9%) from 2015

Revenue

Down

$2,191,336

Down $1,047 (-0.0%) from 2015

Expenses

Up

$2,959,442

Up $806,614 (+37%) from 2015

Net Income

Down

-$768,106

Down $807,661 (-2042%) from 2015

Trend Graphs

Balance Sheet Trend

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

$80M$60M$40M$20M$0Assets 2010: $65,500,192Liabilities 2010: $56,510,813Net Assets 2010: $8,989,3792010Assets 2011: $65,986,954Liabilities 2011: $56,603,447Net Assets 2011: $9,383,5072011Assets 2012: $68,770,059Liabilities 2012: $59,637,568Net Assets 2012: $9,132,4912012Assets 2013: $70,391,648Liabilities 2013: $60,853,901Net Assets 2013: $9,537,7472013Assets 2014: $70,959,071Liabilities 2014: $61,293,608Net Assets 2014: $9,665,4632014Assets 2015: $70,664,054Liabilities 2015: $60,962,339Net Assets 2015: $9,701,7152015Assets 2016: $76,577,829Liabilities 2016: $67,644,220Net Assets 2016: $8,933,6092016

Highlighted filing

2016

Assets$76,577,829
Liabilities$67,644,220
Net Assets$8,933,609

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,675,6412010Expenses 2011: $2,521,7822011Expenses 2012: $2,438,0712012Revenue 2013: $2,367,049Expenses 2013: $2,811,378Net Income 2013: -$444,3292013Revenue 2014: $2,306,224Expenses 2014: $2,181,812Net Income 2014: $124,4122014Revenue 2015: $2,192,383Expenses 2015: $2,152,828Net Income 2015: $39,5552015Revenue 2016: $2,191,336Expenses 2016: $2,959,442Net Income 2016: -$768,1062016

Highlighted filing

2016

Revenue$2,191,336
Expenses$2,959,442
Net Income-$768,106

Filings