Civic Intelligence

Horizon Credit Union

990 • Fiscal year 2011 • EIN 91-0567788

Jan 01, 2011 to Dec 31, 2011 • Filed on Nov 07, 2012

Organization ProfileWWW.HZCU.ORG

View Organization Page

PO Box 1512899216
Siviq Scores

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

Liabilities / Assets

32nd percentile

0.88x

Higher debt load relative to assets than 32% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

57th percentile

6.3%

Faster asset growth than 57% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Up

$436,855,866

Up $25,785,925 (+6.3%) from 2010

Net Assets

Up

$51,051,842

Up $2,826,101 (+5.9%) from 2010

Liabilities

Up

$385,804,024

Up $22,959,824 (+6.3%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$22,574,096

Down $1,007,624 (-4.3%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth57th percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $411,069,941Liabilities 2010: $362,844,200Net Assets 2010: $48,225,7412010Assets 2011: $436,855,866Liabilities 2011: $385,804,024Net Assets 2011: $51,051,8422011Assets 2012: $531,120,211Liabilities 2012: $473,412,245Net Assets 2012: $57,707,9662012Assets 2013: $584,109,220Liabilities 2013: $522,197,515Net Assets 2013: $61,911,7052013Assets 2014: $620,763,082Liabilities 2014: $554,077,490Net Assets 2014: $66,685,5922014Assets 2015: $819,694,391Liabilities 2015: $730,448,545Net Assets 2015: $89,245,8462015Assets 2016: $908,342,501Liabilities 2016: $810,917,139Net Assets 2016: $97,425,3622016Assets 2017: $947,975,803Liabilities 2017: $840,581,532Net Assets 2017: $107,394,2712017Assets 2018: $1,056,461,334Liabilities 2018: $937,435,208Net Assets 2018: $119,026,1262018Assets 2019: $1,121,213,457Liabilities 2019: $988,243,073Net Assets 2019: $132,970,3842019Assets 2020: $1,645,911,225Liabilities 2020: $1,449,668,031Net Assets 2020: $196,243,1942020Assets 2021: $1,730,610,354Liabilities 2021: $1,516,539,762Net Assets 2021: $214,070,5922021Assets 2022: $2,076,980,376Liabilities 2022: $1,839,227,205Net Assets 2022: $237,753,1712022Assets 2023: $2,055,277,728Liabilities 2023: $1,814,821,990Net Assets 2023: $240,455,7382023Assets 2024: $2,009,971,093Liabilities 2024: $1,765,415,527Net Assets 2024: $244,555,5662024

Highlighted filing

2011

Assets$436,855,866
Liabilities$385,804,024
Net Assets$51,051,842
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150M$100M$50M$0Expenses 2010: $23,581,7202010Expenses 2011: $22,574,0962011Expenses 2012: $24,986,3972012Revenue 2013: $30,088,926Expenses 2013: $25,885,426Net Income 2013: $4,203,5002013Revenue 2014: $30,898,133Expenses 2014: $26,124,407Net Income 2014: $4,773,7262014Revenue 2015: $34,432,936Expenses 2015: $31,573,834Net Income 2015: $2,859,1022015Revenue 2016: $41,399,929Expenses 2016: $34,396,957Net Income 2016: $7,002,9722016Revenue 2017: $46,413,246Expenses 2017: $36,444,337Net Income 2017: $9,968,9092017Revenue 2018: $51,709,552Expenses 2018: $40,090,753Net Income 2018: $11,618,7992018Revenue 2019: $57,324,972Expenses 2019: $44,125,619Net Income 2019: $13,199,3532019Revenue 2020: $66,667,912Expenses 2020: $53,199,704Net Income 2020: $13,468,2082020Revenue 2021: $75,301,654Expenses 2021: $56,124,430Net Income 2021: $19,177,2242021Revenue 2022: $83,502,229Expenses 2022: $70,718,987Net Income 2022: $12,783,2422022Revenue 2023: $110,218,528Expenses 2023: $104,836,061Net Income 2023: $5,382,4672023Revenue 2024: $116,805,788Expenses 2024: $112,911,982Net Income 2024: $3,893,8062024

Highlighted filing

2011

Revenue-
Expenses$22,574,096
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Nov 7, 2012
Return Version
2011v1.2
Gross Receipts
$26,133,625
Mission and Program Overview

Mission

Credit union operated without profit for mutual purposes.

Filing and Contact Details

Filer

EIN
91-0567788
Raw XML AppendixShowing 400 of 499 raw XML fields

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IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation0Part I, Line 1a: Volunteers are entitled to $1,000 for spouse business travel per year. Officers of the Corporation are entitled to $600 for spouse business travel per year. Part I, Line 4b: Jeff Adams, CEO, participates in a supplemental nonqualified retirement plan. The amount earned in 2011 is $289,260. Part I, Line 4b: Mark Neumann, Vice President, participates in a supplemental nonqualified retirement plan. The amount earned in 2011 is $16,667.
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IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg016243
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg1266
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0560331
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg1177113
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs10
IRS990ScheduleJ/IndependentConsultant0X
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SubstantiationRequired01
IRS990ScheduleJ/SupplementalNonqualRetirePlan01
IRS990ScheduleJ/TravelForCompanions0X
IRS990ScheduleJ/WrittenEmploymentContract0X
IRS990ScheduleJ/WrittenPolicyReTAndEExpenses01
IRS990ScheduleO/GeneralExplanation/Explanation0Organization began originating mortgages and selling them on the secondary market.
IRS990ScheduleO/GeneralExplanation/Explanation1Entity has one class of members.
IRS990ScheduleO/GeneralExplanation/Explanation2Entity has members who elect members of the board.
IRS990ScheduleO/GeneralExplanation/Explanation3Entity has members who have rights to ratify decisions of the governing body.
IRS990ScheduleO/GeneralExplanation/Explanation4The CFO reviews the 990 and will make a complete copy of it available to the board at the November 2012 board meeting.
IRS990ScheduleO/GeneralExplanation/Explanation5CEO salary ranges are prepared by Human Resources based on industry comparability data and reviewed by the compensation committee. Compensation committee is comprised of volunteer board members. CEO performance is assessed and salary trends are reviewed by compensation committee to determine appropriate salary. The salary recommendation is then presented to the full board of directors for final review and approval. Senior Manager's salary ranges are prepared by Human Resources based on industry comparability data and reviewed by the CEO and the compensation committee. Performance is assessed and salary trends reviewed by CEO to determine relevant salaries. Every few years compensation data and process is reviewed by an outside consultant.
IRS990ScheduleO/GeneralExplanation/Explanation6Available upon request.
IRS990ScheduleO/GeneralExplanation/Explanation7We publish our monthly financial statements at each branch, and our quarterly financial statements are published on the NCUA website. Our annual report is on our website.
IRS990ScheduleO/GeneralExplanation/Explanation8Horizon Credit Union CUSO LLC liquidated in May of 2011.
IRS990ScheduleO/GeneralExplanation/Identifier0New Program Services
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part III, line 2
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, line 11
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section B, line 15

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$436,855,866
Liabilities
$385,804,024
Net assets
$51,051,842
Revenue
-
Expenses
$22,574,096
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,010$1,765$245$117$113$3.89
2023Summary only. Only limited summary data is available for this year.$2,055$1,815$240$110$105$5.38
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,077$1,839$238$83.5$70.7$12.8
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,731$1,517$214$75.3$56.1$19.2
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,646$1,450$196$66.7$53.2$13.5
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,121$988$133$57.3$44.1$13.2
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,056$937$119$51.7$40.1$11.6
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$948$841$107$46.4$36.4$9.97
2016Summary only. Only limited summary data is available for this year.$908$811$97.4$41.4$34.4$7.00
2015Detailed filing. Detailed filing data is available for this year.$820$730$89.2$34.4$31.6$2.86
2014Detailed filing. Detailed filing data is available for this year.$621$554$66.7$30.9$26.1$4.77
2013Detailed filing. Detailed filing data is available for this year.$584$522$61.9$30.1$25.9$4.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$531$473$57.7$25.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$437$386$51.1$22.6
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$411$363$48.2$23.6
Peer Organizations

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