Civic Intelligence

Credit Union 1

990 • Fiscal year 2018 • EIN 92-0021481

Oct 01, 2017 to Sep 30, 2018 • Filed on Mar 29, 2019

Organization Profilewww.cu1.org

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

22nd percentile

0.88x

Higher debt load relative to assets than 22% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Liabilities / Revenue

6th percentile

13.49x

Higher debt load relative to revenue than 6% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Net Margin

19th percentile

13%

Higher net margin than 19% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Top Officer Pay

18th percentile

$584,798

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Asset Growth

15th percentile

1.6%

Faster asset growth than 15% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Revenue Growth

4th percentile

1.7%

Faster revenue growth than 4% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets22nd percentile

Assets

Up

$1,022,991,297

Up $16,071,214 (+1.6%) from 2017

Net Assets

Up

$125,788,039

Up $7,243,535 (+6.1%) from 2017

Liabilities

Up

$897,203,258

Up $8,827,679 (+1.0%) from 2017

Revenue And Expenses
Liabilities / Revenue6th percentileNet Margin19th percentile

Revenue

Up

$66,519,842

Up $1,120,232 (+1.7%) from 2017

Expenses

Down

$57,627,444

Down $5,222,695 (-8.3%) from 2017

Net Income

Up

$8,892,398

Up $6,342,927 (+249%) from 2017

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

2018

Assets$1,022,991,297
Liabilities$897,203,258
Net Assets$125,788,039
Open 2018 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

2018

Revenue$66,519,842
Expenses$57,627,444
Net Income$8,892,398
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2017 to Sep 30, 2018
Signed
Mar 29, 2019
Return Version
2017v2.2
Gross Receipts
$66,524,434
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$746,916,442$765,323,908▲ $18,407,466
Rtn Earn Endowment Incm Other Fnds$118,544,504$125,788,039▲ $7,243,535
Savings and Temporary Cash Investments$119,171,698$99,913,438▼ $19,258,260
Investments Other Securities$50,416,548$67,821,611▲ $17,405,063
Land, Buildings, and Equipment, Net$35,697,143$34,668,180▼ $1,028,963
Prepaid Expenses and Deferred Charges$27,566,208$28,915,066▲ $1,348,858
Cash and Non-Interest-Bearing Accounts$16,875,091$15,778,679▼ $1,096,412
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0--
Loans From Officers Directors-$0-
Total Assets$1,006,920,083$1,022,991,297▲ $16,071,214
Other Assets Total$10,276,953$10,570,415▲ $293,462
Liabilities
Accounts Payable and Accrued Expenses$872,471,793$878,550,656▲ $6,078,863
Other Liabilities$14,056,825$16,447,972▲ $2,391,147
Escrow Account Liability$1,846,961$2,204,630▲ $357,669
Total Liabilities$888,375,579$897,203,258▲ $8,827,679
Net Assets / Fund Balance
Total Net Assets Fund Balance$118,544,504$125,788,039▲ $7,243,535
Total Liabilities and Net Assets / Fund Balance$1,006,920,083$1,022,991,297▲ $16,071,214

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$18,215,374$15,866,932-
Other Land Buildings$619,944--
Land$13,448,652--
Equipment$2,384,210$13,913,862-
Other Securities$67,821,611--
Compensation and Service Providers
Top Officer Pay18th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
-SVP, CFOFT$165,090$419,708$584,798
-SVP of Risk ManagementFT$166,439$337,705$504,144
-President/CEOFT$392,846$53,351$446,197
-SVP of Member AssistanceFT$155,267$96,517$251,784
-VP of ITFT$172,239$55,480$227,719
-Chief Lending OfficerFT$149,682$73,689$223,371
-Chief Culture OfficerFT$140,590$70,088$210,678
-Enterprise Systems ManagerFT$127,384$51,563$178,947
-Chief Operating OfficerFT$104,471$15,866$120,337

Board Members and Trustees

NameTitle
-Chairman
-Vice Chair
-Director
-Chief Financial Officer
-Chief Technology Officer
-Secretary
-Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$56,660,821
Investment Income
$3,327,746
Other Revenue
$6,531,275
Change in Net Assets
$8,892,398

Audited Revenue Reconciliation

Revenue per Audited Statements
$66,519,842
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$66,519,842
Total Revenue per Form 990
$66,519,842
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$29,542,541
Salaries, Compensation, and Employee Benefits$28,060,903
Grants and Similar Amounts Paid$24,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$19,876,639
Office Expenses---$7,203,535
Other Employee Benefits---$3,672,487
Interest---$2,855,012
Information Technology---$2,706,615
Depreciation Depletion---$2,460,896
Occupancy---$2,257,096
Payroll Taxes---$1,693,185
Advertising---$1,618,514
Pension Plan Contributions---$1,476,444
Current Officers, Directors, Trustees, and Key Employees---$1,342,148
Travel---$370,940
Other Expenses---$340,502
Fees for Services Other$0$0$0$308,744
Insurance---$303,855
Conferences and Meetings---$236,487
Fees for Services Accounting---$117,732
Fees for Services Legal---$104,219
Grants to Domestic Individuals---$24,000
Total Functional Expenses$0$0$0$57,627,444

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$57,627,444
Total Expenses per Audited Statements$57,627,444
Total Expenses per Form 990$57,627,444
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees-$0-
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$6,649,075
Accrued Expenses$4,892,677
Employee Benefits$4,142,261
Suspense Accounts$450,305
Misc Liabilities$313,124
Accrued Dividends$530
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 2 Family/business relationships amongst interested persons

“Marietta Hall and James Wileman - Business relationship”

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 2017.”

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: 651246, Related or Exempt Function Revenue: , Unrelated Business Revenue: 442410, Revenue Excluded from Tax Under Sections 512, 513, or 514: 208836;”

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
2019-03-29

Organization Details

Formed
1982
Legal Domicile
Ak
Voting Board Members
7
Independent Board Members
7
Employees
542
Volunteers
12
Supplemental Narrative

Additional Explanations

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 659 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/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF CULTURE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF TECHNOLOGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP of IT
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP OF MEMBER ASSISTANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt15ENTERPRISE SYSTEMS MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP, CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP OF RISK MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt18PRESIDENT/CEO
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IRS990/LocalChaptersInd0true
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IRS990/MembersOrStockholdersInd0true
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IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
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IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt0442410
IRS990/MissionDesc0HELP MEMBERS ACHEIVE THEIR FINANCIAL GOALS BY FOCUSING ON EXCELLENT SERVICE AND VALUE
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetUnrelatedBusTxblIncmAmt0-59110
IRS990/NetUnrlzdGainsLossesInvstAmt0-1648863
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt02257096
IRS990/OfficeExpensesGrp/TotalAmt07203535
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
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IRS990/OtherExpensesGrp/TotalAmt2771071
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt21874435
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IRS990/OtherSalariesAndWagesGrp/TotalAmt019876639
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IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt01693185
IRS990/PensionPlanContributionsGrp/TotalAmt01476444
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt028915066
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0James Wileman
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST FROM LOANS
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IRS990/ProgramServiceRevenueGrp/Desc2ORIGINATION FEES
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IRS990/ProgramServiceRevenueGrp/ExclusionAmt118373744
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IRS990/ProhibitedTaxShelterTransInd0false
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IRS990/PYGrantsAndSimilarPaidAmt013000
IRS990/PYInvestmentIncomeAmt02210977
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IRS990/PYProgramServiceRevenueAmt057634446
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IRS990/PYSalariesCompEmpBnftPaidAmt027858147
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IRS990/PYTotalRevenueAmt065399610
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IRS990/ReconcilationRevenueExpnssAmt08892398
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
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IRS990/RentalIncomeOrLossGrp/RealAmt00
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990ScheduleD/AgentTrusteeEtcInd0false
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt015866932
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt013913862
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CARD SETTLEMENT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3EMPLOYEE BENEFITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4MISC LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5SUSPENSE ACCOUNTS
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ESCROW AMOUNT REPRESENTS MORTGAGE LOAN RESERVES
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Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,022,991,297
Liabilities
$897,203,258
Net assets
$125,788,039
Revenue
$66,519,842
Expenses
$57,627,444
Net income
$8,892,398
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