Civic Intelligence

Credit Unions in the State of Cowlitz Credit Union

EIN 91-0690333 • 501(c)14

View Organization Page

Profile

CO_OP Savings and loans

821 Washington WayPO Box 82198632

www.cowlitzcu.org

Siviq Scores

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

Liabilities / Assets

78th percentile

0.91x

Higher debt load relative to assets than 78% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

77th percentile

23.48x

Higher debt load relative to revenue than 77% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

22nd percentile

0.1%

Higher net margin than 22% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

54th percentile

0.3%

Faster asset growth than 54% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets78th percentile

Assets

Up

$41,785,482

Up $119,225 (+0.3%) from 2012

Liabilities

Up

$38,065,106

Up $148,300 (+0.4%) from 2012

Net Assets

Down

$3,720,376

Down $29,075 (-0.8%) from 2012

Operations
Liabilities / Revenue77th percentileNet Margin22nd percentile

Revenue

$1,621,111

No earlier filing loaded for comparison.

Expenses

Up

$1,619,507

Up $24,689 (+1.5%) from 2012

Net Income

$1,604

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth54th percentile

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

$60M$40M$20M$0Assets 2010: $39,697,266Liabilities 2010: $35,778,981Net Assets 2010: $3,918,2852010Assets 2011: $39,925,170Liabilities 2011: $36,170,166Net Assets 2011: $3,755,0042011Assets 2012: $41,666,257Liabilities 2012: $37,916,806Net Assets 2012: $3,749,4512012Assets 2013: $41,785,482Liabilities 2013: $38,065,106Net Assets 2013: $3,720,3762013

Highlighted filing

2013

Assets$41,785,482
Liabilities$38,065,106
Net Assets$3,720,376
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $1,816,9632010Expenses 2011: $1,736,3412011Expenses 2012: $1,594,8182012Revenue 2013: $1,621,111Expenses 2013: $1,619,507Net Income 2013: $1,6042013

Highlighted filing

2013

Revenue$1,621,111
Expenses$1,619,507
Net Income$1,604
Open 2013 Filing

Filings

Most recent year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$41,785,482
Liabilities
$38,065,106
Net assets
$3,720,376
Revenue
$1,621,111
Expenses
$1,619,507
Net income
$1,604
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$41.8$38.1$3.72$1.62$1.62$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.7$37.9$3.75$1.59
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.9$36.2$3.76$1.74
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.7$35.8$3.92$1.82
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 12, 2014
Return Version
2013v3.0
Gross Receipts
$1,621,111
Mission and Program Overview

Mission

CO_OP Savings and loans

The Credit Union is a member owned, not for profit corporation operated for the purpose of creating a means where by members can provide each other with needed financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$21,962,589$21,442,018▼ $520,571
Savings and Temporary Cash Investments$14,376,724$18,479,761▲ $4,103,037
Rtn Earn Endowment Incm Other Fnds$2,635,024$2,605,948▼ $29,076
Cap Stk Tr Prin Current Funds$1,114,427$1,114,428▲ $1
Land, Buildings, and Equipment, Net$1,002,642$942,290▼ $60,352
Cash and Non-Interest-Bearing Accounts$3,826,250$403,974▼ $3,422,276
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0--
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$41,666,257$41,785,482▲ $119,225
Other Assets Total$498,052$517,439▲ $19,387
Liabilities
Other Liabilities$37,836,935$37,966,553▲ $129,618
Accounts Payable and Accrued Expenses$79,871$98,553▲ $18,682
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$37,916,806$38,065,106▲ $148,300
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,749,451$3,720,376▼ $29,075
Total Liabilities and Net Assets / Fund Balance$41,666,257$41,785,482▲ $119,225

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$528,153$568,528$0
Other Land Buildings$0$0$0
Land$270,000-$0
Equipment$144,137$760,574$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Virginia RusseffCredit Union CEOFT$72,500$72,500$145,000

Board Members and Trustees

NameTitle
Ken StoneSupervisory Committee Chair Person
Larry AndersonBoard President
Larry BlinnBoard Vice President
Bob LarsonBoard Member
Jim RoettgerBoard Member
Judy AlholmBoard Member
Terri AndersonBoard Member
Kurt SachaBoard Member / Supervisory Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,414,970
Investment Income
$140,105
Other Revenue
$66,036
All Other Contributions
$0
Change in Net Assets
$1,604
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$946,178
Salaries, Compensation, and Employee Benefits$673,329
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$528,219
Other Expenses---$161,177
Interest---$92,462
Other Employee Benefits---$81,052
Occupancy---$69,276
Depreciation Depletion---$67,620
Office Expenses---$66,440
Advertising---$52,512
Payroll Taxes---$44,448
Insurance---$35,549
Fees for Services Accounting---$20,400
Pension Plan Contributions---$19,610
Travel---$10,173
Fees for Services Legal---$6,183
Conferences and Meetings---$1,500
Total Functional Expenses$0$0$0$1,619,507
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
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0--
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
member share and deposit accounts$37,966,553
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Credit Union account holders are members”

Form 990, Part VI, Section A, Line 7A

“Credit Union members can nominate and vote for a person to become a member of the Board of Directors”

Form 990, Part VI, Section B, Line 11B

“The 990 form is prepared by the Accounting Manager. It is then given to the CEO, Virginia Russeff for a thorough review. After review it is then filed with the IRS”

Form 990, Part VI, Section B, Line 12C

“Employees are not permitted to handle any transactions or dicisions in which they have or member of their family has any direct or indirect financial interest. Employees are also reminded on a regular basis that all credit union member information is to remain confidential”

Form 990, Part VI, Section C, Line 19

“Cowlitz Credit Union has available "upon request" the governing documents and the conflict of interest policy. The financial statement is posted in the lobby.”

Filing and Contact Details

Filer

EIN
91-0690333
Phone
3604257570

Signing Officer

Name
Trena Jensen
Title
Interim CEO
Phone
3604257570
Signed
2014-05-12

Organization Details

Principal Officer
Trena Jensen
Formed
1957
Legal Domicile
Wa
Voting Board Members
7
Independent Board Members
7
Employees
19
Volunteers
8
Raw XML AppendixShowing 400 of 448 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/OthNotesLoansReceivableNetGrp/EOYAmt021442018
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt044448
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt019610
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Trena Jensen
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0interest on loans to members
IRS990/ProgramServiceRevenueGrp/Desc1fees and charges income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01172938
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1242032
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01172938
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1242032
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0170604
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0971554
IRS990/PYOtherRevenueAmt060833
IRS990/PYProgramServiceRevenueAmt01393411
IRS990/PYRevenuesLessExpensesAmt030030
IRS990/PYSalariesCompEmpBnftPaidAmt0623264
IRS990/PYTotalExpensesAmt01594818
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01624848
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt01604
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02635024
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02605948
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014376724
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018479761
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0528153
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0568528
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01096681
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0144137
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0760574
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0904711
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0270000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0270000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt037966553
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0member share and deposit accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0942290
IRS990ScheduleD/TotalLiabilityAmt037966553
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Credit Union account holders are members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Credit Union members can nominate and vote for a person to become a member of the Board of Directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The 990 form is prepared by the Accounting Manager. It is then given to the CEO, Virginia Russeff for a thorough review. After review it is then filed with the IRS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Employees are not permitted to handle any transactions or dicisions in which they have or member of their family has any direct or indirect financial interest. Employees are also reminded on a regular basis that all credit union member information is to remain confidential
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Cowlitz Credit Union has available "upon request" the governing documents and the conflict of interest policy. The financial statement is posted in the lobby.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0WA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt041666257
IRS990/TotalAssetsEOYAmt041785482
IRS990/TotalAssetsGrp/BOYAmt041666257
IRS990/TotalAssetsGrp/EOYAmt041785482
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt019
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01619507
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt037916806
IRS990/TotalLiabilitiesEOYAmt038065106
IRS990/TotalLiabilitiesGrp/BOYAmt037916806
IRS990/TotalLiabilitiesGrp/EOYAmt038065106
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03749451
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03720376
IRS990/TotalOtherCompensationAmt072500
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00

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