Civic Intelligence

Credit Unions in the State of Washington

990 • Fiscal year 2016 • EIN 91-0614904

Apr 01, 2015 to Mar 31, 2016 • Filed on Jan 09, 2017

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

82nd percentile

0.91x

Higher debt load relative to assets than 82% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

15th percentile

12.19x

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

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

4th percentile

-21%

Higher net margin than 4% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

56th percentile

$75,163

Higher top officer pay than 56% of similar nonprofits.

Top officer pay equals 9.0% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

22nd percentile

-1.4%

Faster asset growth than 22% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

19th percentile

-2.7%

Faster revenue growth than 19% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Down

$11,186,245

Down $160,068 (-1.4%) from 2015

Net Assets

Down

$995,812

Down $178,071 (-15%) from 2015

Liabilities

Up

$10,190,433

Up $18,003 (+0.2%) from 2015

Revenue And Expenses
Liabilities / Revenue15th percentileNet Margin4th percentile

Revenue

Down

$836,275

Down $23,613 (-2.7%) from 2015

Expenses

Up

$1,014,348

Up $283,580 (+39%) from 2015

Net Income

Down

-$178,073

Down $307,193 (-238%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth22nd 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

2016

Assets$11,186,245
Liabilities$10,190,433
Net Assets$995,812
Open 2016 Filing

Operations Trend

Revenue Growth19th 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

2016

Revenue$836,275
Expenses$1,014,348
Net Income-$178,073
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Apr 1, 2015 to Mar 31, 2016
Signed
Jan 9, 2017
Return Version
2015v3.0
Gross Receipts
$836,275
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$9,199,075$8,474,125▼ $724,950
Investments in Publicly Traded Securities$976,100$1,524,100▲ $548,000
Rtn Earn Endowment Incm Other Fnds$1,173,883$995,812▼ $178,071
Savings and Temporary Cash Investments$737,193$796,230▲ $59,037
Cash and Non-Interest-Bearing Accounts$144,953$121,802▼ $23,151
Land, Buildings, and Equipment, Net$119,822$105,024▼ $14,798
Prepaid Expenses and Deferred Charges$38,578$38,526▼ $52
Total Assets$11,346,313$11,186,245▼ $160,068
Other Assets Total$130,592$126,438▼ $4,154
Liabilities
Other Liabilities$10,080,849$10,128,562▲ $47,713
Accounts Payable and Accrued Expenses$91,581$61,871▼ $29,710
Total Liabilities$10,172,430$10,190,433▲ $18,003
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,173,883$995,812▼ $178,071
Total Liabilities and Net Assets / Fund Balance$11,346,313$11,186,245▼ $160,068

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$44,663$66,797$111,460
Buildings$46,972$21,295$68,267
Land$13,389-$13,389
Compensation and Service Providers
Top Officer Pay56th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Lori OlsenPresidentFT$75,163$75,163

Board Members and Trustees

NameTitle
Cheryl BrownBoard Chairman
Cristhian ConsecoBoard Member
John PerkinsBoard Member
Toni WaserBoard Member
Tony BrownBoard Member
Al MickSecratary
Jerry ClaflinTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$681,230
Investment Income
$8,875
Other Revenue
$146,170
Change in Net Assets
$-178,073
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$650,419
Salaries, Compensation, and Employee Benefits$363,929
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$216,438
Fees for Services Other---$79,640
Current Officers, Directors, Trustees, and Key Employees---$75,163
Office Expenses---$75,135
Information Technology---$48,662
Other Expenses---$45,264
Other Employee Benefits---$35,112
Interest---$33,941
Payroll Taxes---$27,576
Insurance---$17,683
Occupancy---$15,486
Depreciation Depletion---$11,695
Conferences and Meetings---$9,959
Pension Plan Contributions---$9,640
Advertising---$4,648
Fees for Services Accounting---$4,031
Total Functional Expenses$0$0$0$1,014,348
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$10,128,562
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
2017-01-09
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.”

Pt XI

“Rounding adjustment.”

Financial Statement Notes

Pt XI, Line 2D

“ROUNDING DIFFERENCE”

Pt XII, Line 2D

“ROUNDING DIFFERENCE”

Raw XML Appendix348 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
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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/ExplanationTxt7Rounding adjustment.
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/FormAndLineReferenceDesc7Pt XI
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
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IRS990/TotalGrossUBIAmt00
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IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01173883
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0995812
IRS990/TotalProgramServiceRevenueAmt0681230
IRS990/TotalReportableCompFromOrgAmt075163
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0836275
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0836275
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IRS990/UnrelatedBusIncmOverLimitInd0false
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IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0LORI OLSEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03606948329
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-01-09
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0COVINA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
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ReturnHeader/PreparerPersonGrp/PhoneNum06263319744
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JACQUILLA BURRELL
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02017-01-14T11:55:04-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-04-01
ReturnHeader/TaxPeriodEndDt02016-03-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$11,186,245
Liabilities
$10,190,433
Net assets
$995,812
Revenue
$836,275
Expenses
$1,014,348
Net income
-$178,073
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