Civic Intelligence

Credit Unions in the State of Washington

990 • Fiscal year 2015 • EIN 91-0614904

Apr 01, 2014 to Mar 31, 2015 • Filed on Jul 17, 2015

Organization ProfileN/A

View Organization Page

PO Box 348Vancouver, WA 98666

(360) 694-8329

Siviq Scores

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

Liabilities / Assets

71st percentile

0.90x

Higher debt load relative to assets than 71% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

15th percentile

11.83x

Higher debt load relative to revenue than 15% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

81st percentile

15%

Higher net margin than 81% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

57th percentile

$76,474

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 8.9% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

50th percentile

3.0%

Faster asset growth than 50% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

29th percentile

-2.4%

Faster revenue growth than 29% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$11,346,313

Up $330,702 (+3.0%) from 2014

Net Assets

Up

$1,173,883

Up $129,120 (+12%) from 2014

Liabilities

Up

$10,172,430

Up $201,582 (+2.0%) from 2014

Revenue And Expenses
Liabilities / Revenue15th percentileNet Margin81st percentile

Revenue

Down

$859,888

Down $21,042 (-2.4%) from 2014

Expenses

Up

$730,768

Up $13,192 (+1.8%) from 2014

Net Income

Down

$129,120

Down $34,234 (-21%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth50th percentile

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

$15M$10M$5.0M$0Assets 2011: $9,845,505Liabilities 2011: $9,128,820Net Assets 2011: $716,6852011Assets 2012: $11,043,733Liabilities 2012: $10,102,540Net Assets 2012: $941,1932012Assets 2013: $10,676,657Liabilities 2013: $9,795,248Net Assets 2013: $881,4092013Assets 2014: $11,015,611Liabilities 2014: $9,970,848Net Assets 2014: $1,044,7632014Assets 2015: $11,346,313Liabilities 2015: $10,172,430Net Assets 2015: $1,173,8832015Assets 2016: $11,186,245Liabilities 2016: $10,190,433Net Assets 2016: $995,8122016Assets 2017: $12,397,471Liabilities 2017: $11,033,032Net Assets 2017: $1,364,4392017Assets 2018: $13,596,665Liabilities 2018: $12,472,903Net Assets 2018: $1,123,7622018Assets 2020: $13,884,372Liabilities 2020: $12,887,331Net Assets 2020: $997,0412020Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2015

Assets$11,346,313
Liabilities$10,172,430
Net Assets$1,173,883
Open 2015 Filing

Operations Trend

Revenue Growth29th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2011: $653,8292011Expenses 2012: $675,3872012Revenue 2013: $799,187Expenses 2013: $858,971Net Income 2013: -$59,7842013Revenue 2014: $880,930Expenses 2014: $717,576Net Income 2014: $163,3542014Revenue 2015: $859,888Expenses 2015: $730,768Net Income 2015: $129,1202015Revenue 2016: $836,275Expenses 2016: $1,014,348Net Income 2016: -$178,0732016Revenue 2017: $1,150,736Expenses 2017: $844,678Net Income 2017: $306,0582017Revenue 2018: $1,205,325Expenses 2018: $1,408,932Net Income 2018: -$203,6072018Revenue 2020: $953,372Expenses 2020: $880,385Net Income 2020: $72,9872020Revenue 2021: $112,421Expenses 2021: $357,657Net Income 2021: -$245,2362021

Highlighted filing

2015

Revenue$859,888
Expenses$730,768
Net Income$129,120
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Apr 1, 2014 to Mar 31, 2015
Signed
Jul 17, 2015
Return Version
2014v5.0
Gross Receipts
$859,888
Mission and Program Overview

Mission

Non-profit, state chartered credit union providing financial services to over 1,600 members.

Non-profit state charted credit union providing financial services to over 2100 members. Services include, but not limited to loans and savings. Services are provided by five paid staff and thirteen unpaid volunteers

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,330,485$9,199,075▲ $868,590
Rtn Earn Endowment Incm Other Fnds$1,044,763$1,173,883▲ $129,120
Investments in Publicly Traded Securities$1,272,100$976,100▼ $296,000
Savings and Temporary Cash Investments$1,110,110$737,193▼ $372,917
Cash and Non-Interest-Bearing Accounts$101,840$144,953▲ $43,113
Land, Buildings, and Equipment, Net$40,033$119,822▲ $79,789
Prepaid Expenses and Deferred Charges$40,272$38,578▼ $1,694
Total Assets$11,015,611$11,346,313▲ $330,702
Other Assets Total$120,771$130,592▲ $9,821
Liabilities
Other Liabilities$9,936,108$10,080,849▲ $144,741
Accounts Payable and Accrued Expenses$34,740$91,581▲ $56,841
Total Liabilities$9,970,848$10,172,430▲ $201,582
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,044,763$1,173,883▲ $129,120
Total Liabilities and Net Assets / Fund Balance$11,015,611$11,346,313▲ $330,702

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$54,305$54,233$108,538
Buildings$52,128$16,139$68,267
Land$13,389-$13,389
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Lori OlsenPresidentFT$76,474$76,474

Board Members and Trustees

NameTitle
Cheryl BrownBoard Chairman
John PerkinsBoard Member
Scott ButterfieldBoard Member
Toni WaserBoard Member
Tony BrownBoard Member
Al MickSecretary
Jerry ClaflinTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$687,762
Investment Income
$6,352
Other Revenue
$165,774
Change in Net Assets
$129,120

Audited Revenue Reconciliation

Revenue per Audited Statements
$859,888
Revenue Not Reported on Form 990
$1
Total Revenue per Audited Statements
$859,889
Total Revenue per Form 990
$859,888
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$403,680
Salaries, Compensation, and Employee Benefits$327,088
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$195,452
Office Expenses---$173,947
Current Officers, Directors, Trustees, and Key Employees---$76,614
Other Expenses---$60,550
Information Technology---$40,369
Interest---$35,471
Payroll Taxes---$27,240
Other Employee Benefits---$20,997
Occupancy---$14,989
Fees for Services Accounting---$10,347
Depreciation Depletion---$10,135
Pension Plan Contributions---$6,785
Conferences and Meetings---$4,679
Advertising---$4,389
Total Functional Expenses$0$0$0$730,768

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$730,769
Expenses per Audited Statements$730,768
Total Expenses per Form 990$730,768
Expenses Not Reported on Form 990$1
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES$10,080,849
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Lighthouse Community Credit Union
EIN
91-0614904
Phone
3606948329
Address
PO BOX 348, VANCOUVER, WA 98666

Signing Officer

Name
Lori Olsen
Title
CEO
Phone
3606948329
Signed
2015-07-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lori Olsen
Formed
1953
Legal Domicile
Wa
Voting Board Members
7
Independent Board Members
7
Employees
8
Volunteers
13

Preparer

Firm
Jacquilla Burrell CPA
Address
127 WEST BADILLO STREET STE 127E, COVINA, CA 91723
Preparer
Jacquilla Burrell
Phone
6263319744
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“Organization is a member owned state charted credit union.”

Pt VI, Line 7A

“Board members are elected by the membership during the annual meeting.”

Pt VI, Line 7B

“During the annual meeting, the membership may ratify some board decisions.”

Pt VI, Line 11B

“No procedure in place at this time.”

Pt VI, Line 15A

“Compensation is reviewed and approved by the board of directors.”

Pt VI, Line 15B

“Compensation is reviewed and approved by the board of directors.”

Pt VI, Line 19

“Documents provided upon request.”

Form 990, Part IX, Line 24F

“Committee meetings state assessment association dues misc”

Financial Statement Notes

Pt XI, Line 2D

“ROUNDING DIFFERENCE”

Pt XII, Line 2D

“ROUNDING DIFFERENCE”

Raw XML Appendix356 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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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1ROUNDING DIFFERENCE
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt XI, Line 2d
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt XII, Line 2d
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0119822
IRS990ScheduleD/TotalExpensesPerForm990Amt0730768
IRS990ScheduleD/TotalLiabilityAmt010080849
IRS990ScheduleD/TotalRevenuePerForm990Amt0859888
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0859889
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0730769
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Organization is a member owned state charted credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board members are elected by the membership during the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2During the annual meeting, the membership may ratify some board decisions.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3No procedure in place at this time.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Compensation is reviewed and approved by the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compensation is reviewed and approved by the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Documents provided upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7COMMITTEE MEETINGS STATE ASSESSMENT ASSOCIATION DUES MISC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt011015611
IRS990/TotalAssetsEOYAmt011346313
IRS990/TotalAssetsGrp/BOYAmt011015611
IRS990/TotalAssetsGrp/EOYAmt011346313
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/TotalAmt0730768
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt09970848
IRS990/TotalLiabilitiesEOYAmt010172430
IRS990/TotalLiabilitiesGrp/BOYAmt09970848
IRS990/TotalLiabilitiesGrp/EOYAmt010172430
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01044763
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01173883
IRS990/TotalProgramServiceRevenueAmt0687762
IRS990/TotalReportableCompFromOrgAmt076474
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0859888
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0859888
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011015611
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011346313
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 348
IRS990/USAddress/CityNm0VANCOUVER
IRS990/USAddress/StateAbbreviationCd0WA
IRS990/USAddress/ZIPCd098666
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LORI OLSEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03606948329
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-07-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LIGHTHOUSE COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0LIGH
ReturnHeader/Filer/EIN0910614904
ReturnHeader/Filer/PhoneNum03606948329
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 348
ReturnHeader/Filer/USAddress/CityNm0VANCOUVER
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WA
ReturnHeader/Filer/USAddress/ZIPCd098666
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JACQUILLA BURRELL CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0127 WEST BADILLO STREET STE 127E
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0COVINA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd091723
ReturnHeader/PreparerPersonGrp/PhoneNum06263319744
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JACQUILLA BURRELL
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02015-07-17T16:35:27-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-04-01
ReturnHeader/TaxPeriodEndDt02015-03-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$11,346,313
Liabilities
$10,172,430
Net assets
$1,173,883
Revenue
$859,888
Expenses
$730,768
Net income
$129,120
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.11$0.36$0.25
2020Detailed filing. Detailed filing data is available for this year.$13.9$12.9$1.00$0.95$0.88$0.07
2018Summary only. Only limited summary data is available for this year.$13.6$12.5$1.12$1.21$1.41$0.20
2017Summary only. Only limited summary data is available for this year.$12.4$11.0$1.36$1.15$0.84$0.31
2016Detailed filing. Detailed filing data is available for this year.$11.2$10.2$1.00$0.84$1.01$0.18
2015Detailed filing. Detailed filing data is available for this year.$11.3$10.2$1.17$0.86$0.73$0.13
2014Detailed filing. Detailed filing data is available for this year.$11.0$9.97$1.04$0.88$0.72$0.16
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.7$9.80$0.88$0.80$0.86$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.0$10.1$0.94$0.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.85$9.13$0.72$0.65