Liabilities / Assets
98th percentile
Higher debt load relative to assets than 98% of similar nonprofits.
Point West Credit Union
990 • Fiscal year 2012 • EIN 93-0232289
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.94x
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
27th percentile
Faster asset growth than 27% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Up$86,319,973
Up $2,018,648 (+2.4%) from 2011
Net Assets
Up$5,454,167
Up $574,158 (+12%) from 2011
Liabilities
Up$80,865,806
Up $1,444,490 (+1.8%) from 2011
Revenue And Expenses
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$4,275,611
Down $169,119 (-3.8%) from 2011
Net Income
-
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2012 to Dec 31, 2012
- Signed
- Nov 13, 2013
- Return Version
- 2012v2.1
- Gross Receipts
- $5,017,673
Mission and Program Overview
Mission
To promote thrift among members by affording them the opportunity for accumulating their savings, to create for them a source of credit at a fair and reasonable rate of interest and to provide the opportunity for the members to use and control their money in order to improve their economic and social condition.
Filing and Contact Details
Filer
- EIN
- 93-0232289
Raw XML AppendixShowing 400 of 413 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.
| Path | # | Value |
|---|---|---|
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| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 487949 |
| IRS990/ActivitiesConductedPartnership | 0 | 0 |
| IRS990/ActivityOrMissionDescription | 0 | TO PERFORM CREDIT UNION ACTIVITIES TO BENEFIT THE MEMBERS OF THE CREDIT UNION AND MAINTAIN THE FINANCIAL INTEGRITY OF THE CREDIT UNION. |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 718 NE 12TH AVENUE |
| IRS990/AddressPrincipalOfficerUS/City | 0 | PORTLAND |
| IRS990/AddressPrincipalOfficerUS/State | 0 | OR |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 97232 |
| IRS990/Advertising/Total | 0 | 93061 |
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| IRS990/CashNonInterestBearing/BOY | 0 | 15643341 |
| IRS990/CashNonInterestBearing/EOY | 0 | 10037638 |
| IRS990/ChangesToOrganizingDocs | 0 | 0 |
| IRS990/CollectionsOfArt | 0 | 0 |
| IRS990/CompCurrentOfficersDirectors/Total | 0 | 247109 |
| IRS990/CompensationFromOtherSources | 0 | 0 |
| IRS990/CompensationProcessCEO | 0 | 0 |
| IRS990/CompensationProcessOther | 0 | 0 |
| IRS990/ComplianceWithBackupWitholding | 0 | 1 |
| IRS990/ConferencesMeetings/Total | 0 | 26147 |
| IRS990/ConflictOfInterestPolicy | 0 | 1 |
| IRS990/ConservationEasements | 0 | 0 |
| IRS990/ConsolidatedAuditFinancialStmt | 0 | 0 |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine1 | 0 | 2091 SPRINGDALE ROAD |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City | 0 | CHERRY HILL |
| IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State | 0 | NJ |
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| IRS990/EmploymentTaxReturnsFiled | 0 | 1 |
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| IRS990/FeesForServicesAccounting/Total | 0 | 68538 |
| IRS990/FeesForServicesLegal/Total | 0 | 26675 |
| IRS990/FeesForServicesOther/Total | 0 | 327917 |
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| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 7 | 40.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 8 | 40.00 |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 0 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 1 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 2 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 3 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 4 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 5 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 6 | X |
| IRS990/Form990PartVIISectionA/NamePerson | 0 | JOHN SAVORY |
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| IRS990/Form990PartVIISectionA/NamePerson | 2 | GEORGE HAGER |
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| IRS990/Form990PartVIISectionA/NamePerson | 4 | SHARON COWLEY |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | LEWIS TYCER |
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| IRS990/Form990PartVIISectionA/Officer | 2 | X |
| IRS990/Form990PartVIISectionA/Officer | 3 | X |
| IRS990/Form990PartVIISectionA/Officer | 4 | X |
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| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 2 | 0 |
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| IRS990/Form990PartVIISectionA/Title | 1 | VICE CHAIR |
| IRS990/Form990PartVIISectionA/Title | 2 | SECRETARY |
| IRS990/Form990PartVIISectionA/Title | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 5 | BOARD MEMBER |
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| IRS990/FSAuditedBasis/FinancialStatementSeparate | 0 | X |
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| IRS990/GrantsAndSimilarAmntsPriorYear | 0 | 0 |
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| IRS990/GrantsToOrganizations | 0 | 0 |
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| IRS990/GrossReceipts | 0 | 5017673 |
| IRS990/GroupReturnForAffiliates | 0 | 0 |
| IRS990/Hospital | 0 | 0 |
| IRS990/IndependentAuditFinancialStmt | 0 | 1 |
| IRS990/IndoorTanningServices | 0 | 0 |
| IRS990/InfoInScheduleOPartIII | 0 | X |
| IRS990/InfoInScheduleOPartVI | 0 | X |
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| IRS990/Interest/Total | 0 | 359568 |
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| IRS990/InvestmentIncome/ExclusionAmount | 0 | 132626 |
| IRS990/InvestmentIncomePriorYear | 0 | 95234 |
| IRS990/InvestmentIncome/TotalRevenueColumn | 0 | 132626 |
| IRS990/InvestmentInJointVenture | 0 | 0 |
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| IRS990/InvestmentsOtherSecurities/EOY | 0 | 663529 |
| IRS990/InvestmentsPubTradedSecurities/BOY | 0 | 2533432 |
| IRS990/InvestmentsPubTradedSecurities/EOY | 0 | 6344106 |
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| IRS990/LoanToOfficerOrDQP | 0 | 1 |
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| IRS990/MissionDescription | 0 | TO PROMOTE THRIFT AMONG MEMBERS BY AFFORDING THEM THE OPPORTUNITY FOR ACCUMULATING THEIR SAVINGS, TO CREATE FOR THEM A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND TO PROVIDE THE OPPORTUNITY FOR THE MEMBERS TO USE AND CONTROL THEIR MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION. |
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| IRS990/MoreThan5000KToOrganizations | 0 | 0 |
| IRS990/NameOfPrincipalOfficerPerson | 0 | NICK HODSON AMY NELSON |
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| IRS990/OtherExpenses/Description | 1 | LOAN LOSS PROVISION |
| IRS990/OtherExpenses/Description | 2 | LOAN SERVICING EXPENSE |
| IRS990/OtherExpenses/Description | 3 | NCUA ASSESSMENTS |
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| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 0 | FIN 48 (ASC 740) FOOTNOTE - THE CREDIT UNION HAD NO UNRECOGNIZED TAX BENEFITS AT DECEMBER 31, 2012 AND 2011. INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS ARE RECOGNIZED BY THE CREDIT UNION AS AN ADMINISTRATIVE EXPENSE. DURING THE YEARS ENDED DECEMBER 31, 2012 AND 2011, THE CREDIT UNION RECOGNIZED NO INTEREST AND PENALTIES. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 1 | OREO LOSS REPORTED AS EXPENSE ON FINANCIAL STATEMENTS -43,420. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 2 | OREO LOSS REPORTED AS EXPENSE ON FINANCIAL STATEMENTS 43,420. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier | 0 | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier | 1 | PART XI, LINE 4B - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier | 2 | PART XII, LINE 2D - OTHER ADJUSTMENTS: |
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| IRS990ScheduleD/LeaseholdImprovements/Depreciation | 0 | 6327 |
| IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis | 0 | 23487 |
| IRS990ScheduleD/OtherExpensesIncluded | 0 | 43420 |
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| IRS990ScheduleD/OtherLandBuildings/Depreciation | 0 | 1422107 |
| IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis | 0 | 1671904 |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 80377857 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | MEMBERS' SHARE AND SAVINGS ACCOUNTS |
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| IRS990ScheduleL/LoanTable/ApprovedByBoard | 1 | 1 |
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| IRS990ScheduleL/LoanTable/BalanceDue | 1 | 605392 |
| IRS990ScheduleL/LoanTable/Default | 0 | 0 |
| IRS990ScheduleL/LoanTable/Default | 1 | 0 |
| IRS990ScheduleL/LoanTable/LoanFromOrganization | 0 | X |
| IRS990ScheduleL/LoanTable/LoanFromOrganization | 1 | X |
| IRS990ScheduleL/LoanTable/NamePerson | 0 | AMY NELSON |
| IRS990ScheduleL/LoanTable/NamePerson | 1 | NICK HODSON |
| IRS990ScheduleL/LoanTable/OriginalPrincipalAmount | 0 | 616481 |
| IRS990ScheduleL/LoanTable/OriginalPrincipalAmount | 1 | 605392 |
| IRS990ScheduleL/LoanTable/PurposeOfLoan | 0 | TO FUND A SPLIT-DOLLAR LIFE INSURANCE POLICY |
| IRS990ScheduleL/LoanTable/PurposeOfLoan | 1 | TO FUND A SPLIT-DOLLAR LIFE INSURANCE POLICY |
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| IRS990ScheduleL/LoanTable/RelationshipWithOrganization | 1 | CO-CEO |
| IRS990ScheduleL/LoanTable/WrittenAgreement | 0 | 1 |
| IRS990ScheduleL/LoanTable/WrittenAgreement | 1 | 1 |
| IRS990ScheduleL/TotalBalanceDue | 0 | 1221873 |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | THE CREDIT UNION HAS ONE CLASS OF MEMBERS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | THE CREDIT UNION MEMBERSHIP ELECTS THE BOARD OF DIRECTORS FROM AMONG THE CREDIT UNION MEMBERSHIP. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | THE CO-CEOS PERFORM A COMPREHENSIVE REVIEW OF FORM 990 BEFORE FILING, INCLUDING AN ANALYSIS OF INCOME AND EXPENSE SOURCE AND USE. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | IF A BOARD MEMBER PROVIDES PROFESSIONAL SERVICES TO THE CREDIT UNION, THE CREDIT UNION OBTAINS BIDS AND REASONABLE ASSURANCE BY MANAGEMENT WHETHER OR NOT TO OBTAIN OR CONTINUE SERVICES FROM THE BOARD MEMBER. MANAGEMENT IS RESPONSIBLE FOR REPORTING POTENTIAL CONFLICTS TO THE BOARD OF DIRECTORS OR THE STATE OF OREGON DEPARTMENT OF FINANCE AND CORPORATE SECURITIES. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | THE CREDIT UNION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. FINANCIAL STATEMENTS ARE ALSO POSTED AT CREDIT UNION BRANCHES. |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 3 | FORM 990, PART VI, SECTION B, LINE 12 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 4 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990/ScheduleORequired | 0 | 1 |
| IRS990/School | 0 | 0 |
| IRS990/SignificantChange | 0 | 0 |
| IRS990/SignificantNewProgramServices | 0 | 0 |
| IRS990/StateLegalDomicile | 0 | OR |
| IRS990/SubjectToProxyTax | 0 | 0 |
| IRS990/TaxablePartyNotification | 0 | 0 |
| IRS990/TaxExemptBonds | 0 | 0 |
| IRS990/Terminated | 0 | 0 |
| IRS990/TermOrPermanentEndowments | 0 | 0 |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | 718 NE 12TH AVENUE |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | PORTLAND |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | OR |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 97232 |
| IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine1 | 0 | NICK HODSON |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 5035465000 |
| IRS990/TotalAssets/BOY | 0 | 84301325 |
| IRS990/TotalAssetsBOY | 0 | 84301325 |
| IRS990/TotalAssets/EOY | 0 | 86319973 |
| IRS990/TotalAssetsEOY | 0 | 86319973 |
| IRS990/TotalCompGT150K | 0 | 0 |
| IRS990/TotalExpensesCurrentYear | 0 | 4275611 |
| IRS990/TotalExpensesPriorYear | 0 | 4444730 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 4275611 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 88672 |
| IRS990/TotalLiabilities/BOY | 0 | 79421316 |
| IRS990/TotalLiabilitiesBOY | 0 | 79421316 |
| IRS990/TotalLiabilities/EOY | 0 | 80865806 |
| IRS990/TotalLiabilitiesEOY | 0 | 80865806 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 84301325 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 86319973 |
| IRS990/TotalNbrEmployees | 0 | 29 |
| IRS990/TotalNbrVolunteers | 0 | 11 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | 4880009 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | 5454167 |
| IRS990/TotalOtherCompensation | 0 | 17567 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProfFundrsngExpPriorYear | 0 | 0 |
| IRS990/TotalProgramServiceRevenue | 0 | 4756788 |
| IRS990/TotalReportableCompFrmRltdOrgs | 0 | 0 |
| IRS990/TotalReportableCompFromOrg | 0 | 229542 |
| IRS990/TotalRevenueCurrentYear | 0 | 4845994 |
| IRS990/TotalRevenue/ExclusionAmount | 0 | 89206 |
| IRS990/TotalRevenuePriorYear | 0 | 5557986 |
| IRS990/TotalRevenue/RelatedOrExemptFunctionIncome | 0 | 4668116 |
| IRS990/TotalRevenue/TotalRevenueColumn | 0 | 4845994 |
| IRS990/TotalRevenue/UnrelatedBusinessRevenue | 0 | 88672 |
| IRS990/TypeOfOrganizationCorporation | 0 | X |
| IRS990/UnrelatedBusinessIncome | 0 | 1 |
| IRS990/UponRequest | 0 | X |
| IRS990/WebSite | 0 | WWW.POINTWESTCU.COM |
| IRS990/WhistleblowerPolicy | 0 | 0 |
| IRS990/YearFormation | 0 | 1996 |
| ReturnHeader/BuildTS | 0 | 2016-03-07 17:11:31Z |
| ReturnHeader/Filer/EIN | 0 | 930232289 |
| ReturnHeader/Filer/Name/BusinessNameLine1 | 0 | POINT WEST CREDIT UNION |
| ReturnHeader/Filer/NameControl | 0 | POIN |
| ReturnHeader/Filer/Phone | 0 | 5035465000 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 718 NE 12TH AVENUE |
| ReturnHeader/Filer/USAddress/City | 0 | PORTLAND |
| ReturnHeader/Filer/USAddress/State | 0 | OR |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 97232 |
| ReturnHeader/Officer/AuthorizeThirdParty | 0 | 1 |
| ReturnHeader/Officer/DateSigned | 0 | 2013-11-13 |
| ReturnHeader/Officer/Name | 0 | NICK HODSON |
| ReturnHeader/Officer/Phone | 0 | 5035465000 |
| ReturnHeader/Officer/Title | 0 | CO-CEO |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $86,319,973
- Liabilities
- $80,865,806
- Net assets
- $5,454,167
- Revenue
- -
- Expenses
- $4,275,611
- Net income
- -