Civic Intelligence

Sound Credit Union

990 • Fiscal year 2012 • EIN 91-0557925

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 08, 2013

Organization ProfileWWW.SOUNDCU.COM

View Organization Page

PO Box 159598401
Siviq Scores

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

Liabilities / Assets

73rd percentile

0.91x

Higher debt load relative to assets than 73% of similar nonprofits.

2012 filings • 501(c)14 • $1B+ nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

19th percentile

3.1%

Faster asset growth than 19% of similar nonprofits.

2012 filings • 501(c)14 • $1B+ 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 / Assets73rd percentile

Assets

Up

$1,070,060,077

Up $31,757,319 (+3.1%) from 2011

Net Assets

Up

$94,964,659

Up $18,759,366 (+25%) from 2011

Liabilities

Up

$975,095,418

Up $12,997,953 (+1.4%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$40,852,075

Up $7,684,376 (+23%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth19th percentile

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

$4.0B$3.0B$2.0B$1.0B$0Assets 2010: $544,191,702Liabilities 2010: $490,356,444Net Assets 2010: $53,835,2582010Assets 2011: $1,038,302,758Liabilities 2011: $962,097,465Net Assets 2011: $76,205,2932011Assets 2012: $1,070,060,077Liabilities 2012: $975,095,418Net Assets 2012: $94,964,6592012Assets 2013: $1,085,325,460Liabilities 2013: $974,030,887Net Assets 2013: $111,294,5732013Assets 2014: $1,153,990,675Liabilities 2014: $1,026,134,290Net Assets 2014: $127,856,3852014Assets 2015: $1,256,874,069Liabilities 2015: $1,112,323,908Net Assets 2015: $144,550,1612015Assets 2016: $1,379,598,394Liabilities 2016: $1,217,275,643Net Assets 2016: $162,322,7512016Assets 2017: $1,461,043,189Liabilities 2017: $1,278,741,594Net Assets 2017: $182,301,5952017Assets 2018: $1,532,196,727Liabilities 2018: $1,328,862,497Net Assets 2018: $203,334,2302018Assets 2019: $1,840,118,126Liabilities 2019: $1,617,176,338Net Assets 2019: $222,941,7882019Assets 2020: $2,219,039,629Liabilities 2020: $1,976,025,190Net Assets 2020: $243,014,4392020Assets 2021: $2,549,084,611Liabilities 2021: $2,284,586,056Net Assets 2021: $264,498,5552021Assets 2022: $2,699,695,858Liabilities 2022: $2,431,136,934Net Assets 2022: $268,558,9242022Assets 2023: $2,910,727,295Liabilities 2023: $2,622,199,081Net Assets 2023: $288,528,2142023Assets 2024: $3,072,228,160Liabilities 2024: $2,768,305,024Net Assets 2024: $303,923,1362024

Highlighted filing

2012

Assets$1,070,060,077
Liabilities$975,095,418
Net Assets$94,964,659
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$200M$150M$100M$50M$0Expenses 2010: $28,360,2792010Expenses 2011: $33,167,6992011Expenses 2012: $40,852,0752012Revenue 2013: $55,344,996Expenses 2013: $37,681,955Net Income 2013: $17,663,0412013Revenue 2014: $53,561,686Expenses 2014: $38,583,453Net Income 2014: $14,978,2332014Revenue 2015: $60,775,351Expenses 2015: $44,480,484Net Income 2015: $16,294,8672015Revenue 2016: $66,334,640Expenses 2016: $48,612,045Net Income 2016: $17,722,5952016Revenue 2017: $71,209,414Expenses 2017: $50,959,653Net Income 2017: $20,249,7612017Revenue 2018: $79,328,292Expenses 2018: $58,211,984Net Income 2018: $21,116,3082018Revenue 2019: $96,634,060Expenses 2019: $77,693,999Net Income 2019: $18,940,0612019Revenue 2020: $98,399,448Expenses 2020: $79,924,369Net Income 2020: $18,475,0792020Revenue 2021: $105,611,575Expenses 2021: $80,974,374Net Income 2021: $24,637,2012021Revenue 2022: $118,091,214Expenses 2022: $96,088,860Net Income 2022: $22,002,3542022Revenue 2023: $151,525,047Expenses 2023: $130,382,270Net Income 2023: $21,142,7772023Revenue 2024: $178,242,646Expenses 2024: $163,923,839Net Income 2024: $14,318,8072024

Highlighted filing

2012

Revenue-
Expenses$40,852,075
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 8, 2013
Return Version
2012v2.3
Gross Receipts
$79,160,515
Mission and Program Overview

Mission

A member owned cooperative providing financial services, including loans and share deposits to its members.

Major Activities

Activity 2
Also on the liability/equity side of the balance sheet, 7,671 of our members hold certificate accounts with total balances of 173,863,654 and 3,641 hold ira savings certificates with a total of 72,221,529
Activity 3
On the asset side, 47,088 of our members hold consumer loans that include vehicle, student, mortgage and visa loans. Consumer loans that include vehicle secured loans totals 286,278,105. Real estate secured loans total 311,053,038. The loan portfolio totals 597,331,143.
Filing and Contact Details

Filer

EIN
91-0557925
Raw XML AppendixShowing 400 of 599 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/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY076205293
IRS990/RetainedEarningsEndowmentEtc/EOY094964659
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IRS990/RevenuesLessExpensesPriorYear08419592
IRS990/SalariesEtcCurrentYear015893857
IRS990/SalariesEtcPriorYear011199175
IRS990/SavingsAndTempCashInvestments/BOY020890964
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IRS990ScheduleD/Equipment/Depreciation06045527
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IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION HAD NO UNRECOGNIZED TAX BENEFITS OR LIABILITIES AND NO ADJUSTMENTS TO ITS FINANCIAL POSITION, RESULTS OF OPERATIONS OR CASH FLOWS RELATED TO UNCERTAIN TAX POSITIONS TAKEN FOR THE YEARS ENDED MARCH 31, 2013 AND 2012. THE CREDIT UNION IS NO LONGER SUBJECT TO FEDERAL, STATE OR LOCAL INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR YEARS PRIOR TO MARCH 31, 2009. IF ASSESSED, THE CREDIT UNION RECOGNIZES PENALTIES AND INTEREST ASSOCIATED WITH TAX MATTERS AS PART OF OPERATING EXPENSES.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0LIABILITY UNDER FIN 48 FOOTNOTE
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleD/OtherLiabilities/Amount0936083265
IRS990ScheduleD/OtherLiabilities/Amount12914094
IRS990ScheduleD/OtherLiabilities/Amount22815742
IRS990ScheduleD/OtherLiabilities/Amount32040000
IRS990ScheduleD/OtherLiabilities/Description0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilities/Description1CLEARING ACCOUNTS
IRS990ScheduleD/OtherLiabilities/Description2CONTINGENT LIABILITIES
IRS990ScheduleD/OtherLiabilities/Description3DEFERRED COMP PLAN
IRS990ScheduleD/TotalOfAmounts0943853101
IRS990ScheduleD/TotalOfBookValueLandBuildings035094381
IRS990ScheduleI/Form990ScheduleIPartIV/Explanation0NO MONITORING PROCESS WAS IN PLACE FOR THESE FUNDS AS THE AMOUNT IS INSIGNIFICANT TO THE CREDIT UNION.
IRS990ScheduleI/Form990ScheduleIPartIV/Identifier0PROCEDURES FOR MONITORING THE USE OF GRANT FUNDS INSIDE THE UNITED STATES
IRS990ScheduleI/Form990ScheduleIPartIV/ReturnReference0SCHEDULE I, PAGE 1, PART I, LINE 2
IRS990ScheduleI/RecipientTable/AddressUS/AddressLine101500 REGENTS BLVD
IRS990ScheduleI/RecipientTable/AddressUS/City0FIRCREST
IRS990ScheduleI/RecipientTable/AddressUS/State0WA
IRS990ScheduleI/RecipientTable/AddressUS/ZIPCode098466
IRS990ScheduleI/RecipientTable/AmountOfCashGrant010000
IRS990ScheduleI/RecipientTable/EINOfRecipient0910221060
IRS990ScheduleI/RecipientTable/IRCSection0501(C)
IRS990ScheduleI/RecipientTable/RecipientNameBusiness/BusinessNameLine10FIRCREST GOLF CLUB
IRS990ScheduleI/RecordsMaintained0false
IRS990ScheduleI/TotalNbrOfOtherOrganizations01
IRS990ScheduleJ/BoardOrCommitteeApproval0X
IRS990ScheduleJ/ClubDuesOrFees0X
IRS990ScheduleJ/CompensationCommittee0X
IRS990ScheduleJ/CompensationSurvey0X
IRS990ScheduleJ/EquityBasedCompArrangement0false
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0695258
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg1154250
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg2311074
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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,070,060,077
Liabilities
$975,095,418
Net assets
$94,964,659
Revenue
-
Expenses
$40,852,075
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3,072$2,768$304$178$164$14.3
2023Detailed filing. Detailed filing data is available for this year.$2,911$2,622$289$152$130$21.1
2022Detailed filing. Detailed filing data is available for this year.$2,700$2,431$269$118$96.1$22.0
2021Detailed filing. Detailed filing data is available for this year.$2,549$2,285$264$106$81.0$24.6
2020Detailed filing. Detailed filing data is available for this year.$2,219$1,976$243$98.4$79.9$18.5
2019Detailed filing. Detailed filing data is available for this year.$1,840$1,617$223$96.6$77.7$18.9
2018Detailed filing. Detailed filing data is available for this year.$1,532$1,329$203$79.3$58.2$21.1
2017Detailed filing. Detailed filing data is available for this year.$1,461$1,279$182$71.2$51.0$20.2
2016Detailed filing. Detailed filing data is available for this year.$1,380$1,217$162$66.3$48.6$17.7
2015Detailed filing. Detailed filing data is available for this year.$1,257$1,112$145$60.8$44.5$16.3
2014Detailed filing. Detailed filing data is available for this year.$1,154$1,026$128$53.6$38.6$15.0
2013Detailed filing. Detailed filing data is available for this year.$1,085$974$111$55.3$37.7$17.7
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,070$975$95.0$40.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,038$962$76.2$33.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$544$490$53.8$28.4