Civic Intelligence

Credit Union 1

990 • Fiscal year 2017 • EIN 92-0021481

Oct 01, 2016 to Sep 30, 2017 • Filed on Mar 30, 2018

Organization Profilen/a

View Organization Page

1941 Abbott RoadAnchorage, AK 99507

(907) 339-9485

Siviq Scores

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

Liabilities / Assets

26th percentile

0.88x

Higher debt load relative to assets than 26% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Liabilities / Revenue

4th percentile

13.58x

Higher debt load relative to revenue than 4% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Net Margin

2nd percentile

3.9%

Higher net margin than 2% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2017

Asset Growth

15th percentile

3.3%

Faster asset growth than 15% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Revenue Growth

4th percentile

2.3%

Faster revenue growth than 4% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets26th percentile

Assets

Up

$1,006,920,083

Up $31,727,975 (+3.3%) from 2016

Net Assets

Up

$118,544,504

Up $1,924,499 (+1.7%) from 2016

Liabilities

Up

$888,375,579

Up $29,803,476 (+3.5%) from 2016

Revenue And Expenses
Liabilities / Revenue4th percentileNet Margin2nd percentile

Revenue

Up

$65,399,610

Up $1,454,623 (+2.3%) from 2016

Expenses

Up

$62,850,139

Up $4,737,156 (+8.2%) from 2016

Net Income

Down

$2,549,471

Down $3,282,533 (-56%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth15th percentile

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

$2.0B$1.5B$1.0B$500M$0Assets 2010: $719,339,186Liabilities 2010: $642,790,999Net Assets 2010: $76,548,1872010Assets 2011: $764,930,212Liabilities 2011: $680,738,266Net Assets 2011: $84,191,9462011Assets 2012: $826,893,960Liabilities 2012: $736,309,632Net Assets 2012: $90,584,3282012Assets 2013: $862,355,591Liabilities 2013: $767,002,018Net Assets 2013: $95,353,5732013Assets 2014: $889,879,533Liabilities 2014: $785,753,413Net Assets 2014: $104,126,1202014Assets 2015: $924,792,310Liabilities 2015: $813,509,715Net Assets 2015: $111,282,5952015Assets 2016: $975,192,108Liabilities 2016: $858,572,103Net Assets 2016: $116,620,0052016Assets 2017: $1,006,920,083Liabilities 2017: $888,375,579Net Assets 2017: $118,544,5042017Assets 2018: $1,022,991,297Liabilities 2018: $897,203,258Net Assets 2018: $125,788,0392018Assets 2019: $1,090,013,655Liabilities 2019: $948,990,049Net Assets 2019: $141,023,6062019Assets 2020: $1,293,913,722Liabilities 2020: $1,144,222,338Net Assets 2020: $149,691,3842020Assets 2021: $1,468,974,903Liabilities 2021: $1,309,627,303Net Assets 2021: $159,347,6002021Assets 2022: $1,475,579,183Liabilities 2022: $1,328,663,622Net Assets 2022: $146,915,5612022Assets 2023: $1,519,582,740Liabilities 2023: $1,358,646,940Net Assets 2023: $160,935,8002023Assets 2024: $1,468,794,139Liabilities 2024: $1,291,729,337Net Assets 2024: $177,064,8022024

Highlighted filing

2017

Assets$1,006,920,083
Liabilities$888,375,579
Net Assets$118,544,504
Open 2017 Filing

Operations Trend

Revenue Growth4th percentile

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

$150M$100M$50M$0Expenses 2010: $40,998,6282010Expenses 2011: $39,188,5172011Expenses 2012: $42,328,8162012Expenses 2013: $44,938,7442013Revenue 2014: $56,922,704Expenses 2014: $47,389,138Net Income 2014: $9,533,5662014Revenue 2015: $59,422,223Expenses 2015: $51,488,878Net Income 2015: $7,933,3452015Revenue 2016: $63,944,987Expenses 2016: $58,112,983Net Income 2016: $5,832,0042016Revenue 2017: $65,399,610Expenses 2017: $62,850,139Net Income 2017: $2,549,4712017Revenue 2018: $66,519,842Expenses 2018: $57,627,444Net Income 2018: $8,892,3982018Revenue 2019: $68,611,533Expenses 2019: $58,593,958Net Income 2019: $10,017,5752019Revenue 2020: $65,289,354Expenses 2020: $58,760,833Net Income 2020: $6,528,5212020Revenue 2021: $70,736,844Expenses 2021: $56,215,868Net Income 2021: $14,520,9762021Revenue 2022: $77,760,445Expenses 2022: $66,519,887Net Income 2022: $11,240,5582022Revenue 2023: $92,423,998Expenses 2023: $83,312,210Net Income 2023: $9,111,7882023Revenue 2024: $100,698,593Expenses 2024: $86,638,109Net Income 2024: $14,060,4842024

Highlighted filing

2017

Revenue$65,399,610
Expenses$62,850,139
Net Income$2,549,471
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2016 to Sep 30, 2017
Signed
Mar 30, 2018
Return Version
2016v3.0
Gross Receipts
$79,476,853
Mission and Program Overview

Mission

Help members achieve their financial goals by focusing on excellent service and value

Help members achieve their financial goals by focusing on excellent service and value.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$731,779,384$746,916,442▲ $15,137,058
Savings and Temporary Cash Investments$137,269,387$119,171,698▼ $18,097,689
Rtn Earn Endowment Incm Other Fnds$116,620,005$118,544,504▲ $1,924,499
Investments Other Securities$18,319,815$50,416,548▲ $32,096,733
Land, Buildings, and Equipment, Net$35,236,350$35,697,143▲ $460,793
Prepaid Expenses and Deferred Charges$25,214,741$27,566,208▲ $2,351,467
Cash and Non-Interest-Bearing Accounts$17,221,993$16,875,091▼ $346,902
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0--
Total Assets$975,192,108$1,006,920,083▲ $31,727,975
Other Assets Total$10,150,438$10,276,953▲ $126,515
Liabilities
Accounts Payable and Accrued Expenses$845,157,235$872,471,793▲ $27,314,558
Other Liabilities$11,854,243$14,056,825▲ $2,202,582
Escrow Account Liability$1,560,625$1,846,961▲ $286,336
Total Liabilities$858,572,103$888,375,579▲ $29,803,476
Net Assets / Fund Balance
Total Net Assets Fund Balance$116,620,005$118,544,504▲ $1,924,499
Total Liabilities and Net Assets / Fund Balance$975,192,108$1,006,920,083▲ $31,727,975

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$18,494,719$14,579,777-
Other Land Buildings$1,003,222--
Land$13,448,652--
Equipment$2,750,550$13,339,450-
Other Securities$50,416,548--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
-President/CEOFT$436,732$253,101$689,833
-SVP, CFOFT$193,101$111,761$304,862
-SVP of Member AssistanceFT$162,327$103,320$265,647
-VP of ITFT$165,401$65,932$231,333
-SVP of Risk ManagementFT$137,496$91,813$229,309
-SVP of Communications and CultureFT$132,415$72,054$204,469

Board Members and Trustees

NameTitle
-Chairman
-Vice Chair
-Director
-Secretary
-Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$57,634,446
Investment Income
$2,210,977
Other Revenue
$5,554,187
All Other Contributions
$0
Change in Net Assets
$2,549,471

Audited Revenue Reconciliation

Revenue per Audited Statements
$65,399,610
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$65,399,610
Total Revenue per Form 990
$65,399,610
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$34,978,992
Salaries, Compensation, and Employee Benefits$27,858,147
Grants and Similar Amounts Paid$13,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$20,621,269
Office Expenses---$6,793,955
Other Employee Benefits---$3,722,368
Information Technology---$2,799,652
Interest---$2,667,355
Depreciation Depletion---$2,493,882
Occupancy---$2,222,676
Payroll Taxes---$1,662,779
Pension Plan Contributions---$1,523,787
Advertising---$1,181,334
Fees for Services Other$0$0$0$622,868
Insurance---$398,848
Travel---$375,889
Other Expenses---$357,886
Current Officers, Directors, Trustees, and Key Employees$0$0$0$327,944
Fees for Services Accounting---$65,196
Fees for Services Legal---$63,100
Conferences and Meetings---$49,942
Grants to Domestic Individuals---$13,000
Total Functional Expenses$0$0$0$62,850,139

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$62,850,139
Total Expenses per Audited Statements$62,850,139
Total Expenses per Form 990$62,850,139
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Card Settlement$5,254,183
Employee Benefits$4,006,067
Accrued Expenses$3,861,830
Suspense Accounts$596,989
Misc Liabilities$337,480
Accrued Dividends$276
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6 Classes of members or stockholders

“Credit union account holders are members.”

Form 990, Part VI, Line 7A Members or stockholders electing members of governing body

“Members can vote to elect the governing body at the annual meeting.”

Form 990, Part VI, Line 11B Review of form 990 by governing body

“The 990 was reviewed and approved by the officers and board of directors before it was filed.”

Form 990, Part VI, Line 12C Conflict of interest policy

“Employees sign annually that they have read and understand the conflicts of interest policy. Board of directors report in writing any conflicts of interest annually.”

Form 990, Part VI, Line 15A Process to establish compensation of top management official

“Ceo compensation is approved by the board of directors. Compensation surveys are obtained and the compensation review and approval process is documented. Process last completed in 2016.”

Form 990, Part VI, Line 15B Process to establish compensation of other employees

“Compensation is approved by the president. Compensation surveys are obtained and the compensation review and approval process is documented.”

Form 990, Part VI, Line 19 Required documents available to the public

“Documents are made available upon request.”

Form 990, Part VIII, Line 11D Other Miscellaneous Revenue

“WKS - Total Revenue: 724833, Related or Exempt Function Revenue: , Unrelated Business Revenue: 570793, Revenue Excluded from Tax Under Sections 512, 513, or 514: 154040;”

Filing and Contact Details

Filer

Filer Name
Credit Union 1
EIN
92-0021481
Phone
9073399485
Address
1941 Abbott Road, Anchorage, AK 99507

Signing Officer

Name
James Wileman
Title
President & CEO
Signed
2018-03-30

Organization Details

Formed
1982
Legal Domicile
Ak
Voting Board Members
7
Independent Board Members
7
Employees
534
Volunteers
12
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9 Other changes in net assets or fund balances

“Reclassification for Realized Investment (Gains) Losses Included in Net Income/Loss - -433272;”

Schedule L, Part I BUSINESS TRANSACTIONS

“Business transactions between the credit union and interested persons as members of the credit union with the same terms offered to other members of the credit union were not included on schedule l”

Financial Statement Notes

Schedule D, Part IV, Line 2B Explanation of escrow agreement

“Escrow amount represents mortgage loan reserves”

Raw XML AppendixShowing 400 of 608 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/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt5Marietta Ed Hall
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt6Andre Horton
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9SVP, CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP of IT
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IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
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IRS990/ReconcilationRevenueExpnssAmt02549471
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
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IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt018494719
IRS990ScheduleD/BuildingsGrp/DepreciationAmt014579777
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt033074496
IRS990ScheduleD/EquipmentGrp/BookValueAmt02750550
IRS990ScheduleD/EquipmentGrp/DepreciationAmt013339450
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt016090000
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IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt062850139
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IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
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IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt013448652
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IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt01003222
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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,006,920,083
Liabilities
$888,375,579
Net assets
$118,544,504
Revenue
$65,399,610
Expenses
$62,850,139
Net income
$2,549,471
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,469$1,292$177$101$86.6$14.1
2023Detailed filing. Detailed filing data is available for this year.$1,520$1,359$161$92.4$83.3$9.11
2022Detailed filing. Detailed filing data is available for this year.$1,476$1,329$147$77.8$66.5$11.2
2021Detailed filing. Detailed filing data is available for this year.$1,469$1,310$159$70.7$56.2$14.5
2020Detailed filing. Detailed filing data is available for this year.$1,294$1,144$150$65.3$58.8$6.53
2019Detailed filing. Detailed filing data is available for this year.$1,090$949$141$68.6$58.6$10.0
2018Detailed filing. Detailed filing data is available for this year.$1,023$897$126$66.5$57.6$8.89
2017Detailed filing. Detailed filing data is available for this year.$1,007$888$119$65.4$62.9$2.55
2016Detailed filing. Detailed filing data is available for this year.$975$859$117$63.9$58.1$5.83
2015Detailed filing. Detailed filing data is available for this year.$925$814$111$59.4$51.5$7.93
2014Detailed filing. Detailed filing data is available for this year.$890$786$104$56.9$47.4$9.53
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$862$767$95.4$44.9
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$827$736$90.6$42.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$765$681$84.2$39.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$719$643$76.5$41.0