Civic Intelligence

Prevail Credit Union

EIN 91-0556703

View Organization Page

801 SECOND AVENUE Room 10098104-1510
Siviq Scores

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

Liabilities / Assets

89th percentile

0.91x

Higher debt load relative to assets than 89% of similar nonprofits.

$100M-$250M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

No filing with officer or executive compensation is available for this organization yet.

Asset Growth

45th percentile

4.2%

Faster asset growth than 45% of similar nonprofits.

$100M-$250M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets89th percentile

Assets

Up

$245,344,875

Up $9,999,327 (+4.2%) from 2011

Liabilities

Up

$222,542,222

Up $6,633,598 (+3.1%) from 2011

Net Assets

Up

$22,802,653

Up $3,365,729 (+17%) from 2011

Operations
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$11,122,780

Down $274,197 (-2.4%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth45th percentile

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

$300M$200M$100M$0Assets 2010: $233,522,431Liabilities 2010: $215,522,648Net Assets 2010: $17,999,7832010Assets 2011: $235,345,548Liabilities 2011: $215,908,624Net Assets 2011: $19,436,9242011Assets 2012: $245,344,875Liabilities 2012: $222,542,222Net Assets 2012: $22,802,6532012

Highlighted filing

2012

Assets$245,344,875
Liabilities$222,542,222
Net Assets$22,802,653
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0Expenses 2010: $13,913,7902010Revenue 2011: $12,347,985Expenses 2011: $11,396,977Net Income 2011: $951,0082011Expenses 2012: $11,122,7802012

Highlighted filing

2012

Revenue-
Expenses$11,122,780
Net Income-
Open 2012 Filing

Filings

Most recent year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$245,344,875
Liabilities
$222,542,222
Net assets
$22,802,653
Revenue
-
Expenses
$11,122,780
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$245$223$22.8$11.1
2011Summary only. Only limited summary data is available for this year.$235$216$19.4$12.3$11.4$0.95
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$234$216$18.0$13.9
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 5, 2013
Return Version
2012v2.2
Gross Receipts
$78,831,283
Filing and Contact Details

Filer

EIN
91-0556703
Raw XML AppendixShowing 400 of 470 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/GeneralExplanation/Explanation0Form 990 Part III Line 3 PREVAIL WAS MERGED WITH HARBORSTONE CREDIT UNION ON JANUARY 1, 2013. HARBORSTONE CREDIT UNION IS THE SURVIVING ENTITY.
IRS990ScheduleO/GeneralExplanation/Explanation1Form 990 Part VI Section A Line 6 THE ORGANIZATION HAS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2Form 990 Part VI Section A Line 7A THE CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN THE ELECTION OF OFFICIALS.
IRS990ScheduleO/GeneralExplanation/Explanation3Form 990 Part VI Section A Line 7B THE BOARD AND MEMBERSHIP VOTED ON THE MERGER OF THE ORGANIZATION AND HARBORSTONE CREDIT UNION. BOTH THE VOTE AND APPROVAL OCCURRED DURING 2012, BUT THE LEGAL MERGER EFFECTIVE DATE WAS IN 2013.
IRS990ScheduleO/GeneralExplanation/Explanation4Form 990 Part VI Section B Line 11B THE CFO IS RESPONSIBLE FOR THE PREPARATION OF THE RETURN. THE RETURN IS REVIEWED BY THE CREDIT UNIONS CEO AND CFO. ONCE ALL PARTIES HAVE COMPLETED THEIR REVIEWS AND THE NECESSARY CORRECTIONS ARE COMPLETED THE RETURN IS FILED.
IRS990ScheduleO/GeneralExplanation/Explanation5Form 990 Part VI Section B Line 15 THE REVIEW OF THE CEOS COMPENSATION IS A FUNCTION OF THE BOARD OF DIRECTORS. ANNUALLY, THE BOARD USES AN EXECUTIVE COMPENSATION SURVEY FROM AN INDEPENDENT THIRD PARTY TO DETERMINE THE CEOS COMPENSATION AND CONSIDERS GOAL ATTAINMENT AND CREDIT UNION PROFITABILITY. FOR ALL OTHER POSITIONS IN THE ORGANIZATION, PAY RANGES ARE REVIEWED AND APPROVED ON AN ANNUAL BASIS BY THE SENIOR MANAGERS OF THE ORGANIZATION UTILIZING DATA FROM AN INDEPENDENT COMPENSATION STUDY. BOARD REVIEW IS ATTAINED THROUGH APPROVAL OF THE ANNUAL BUDGET.
IRS990ScheduleO/GeneralExplanation/Explanation6Form 990 Part VI Section B Line 19 THE CREDIT UNIONS GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON NCUA.GOV VIA THE QUARTERLY 5300 FILING.
IRS990ScheduleO/GeneralExplanation/Explanation7Form 990 Part III Line 2 PREVAIL CREDIT UNION IMPLEMENTED A NEW CHECKING ACCOUNT PROGRAM WHERE MEMBERS WHO QUALIFY, RECEIVE SPECIAL FEATURES. ONCE MEMBERS MEET THE QUALIFICATIONS DIRECT DEPOSIT, SET NUMBER OF DEBIT TRANSACTIONS, ETC. THEY QUALIFY TO RECEIVE 3 APR ON BALANCES UP TO 20,000. MEMBERS RECEIVE A LOWER APR ON ANY BALANCES ABOVE 20,000.
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IRS990/School0false
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IRS990/SignificantNewProgramServices0true
IRS990/StateLegalDomicile0WA
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10801 SECOND AVENUE SUITE 100
IRS990/TheBooksAreInCareOf/AddressUS/City0SEATTLE
IRS990/TheBooksAreInCareOf/AddressUS/State0WA

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