Civic Intelligence

Usagencies Credit Union

990 • Fiscal year 2013 • EIN 93-0256538

Jan 01, 2013 to Dec 31, 2013 • Filed on May 14, 2014

Organization ProfileWWW.USACU.ORG

View Organization Page

95 SW Taylor St97204

(503) 275-0300

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.01x

Higher debt load relative to assets than 3% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

5th percentile

0.13x

Higher debt load relative to revenue than 5% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

63rd percentile

12%

Higher net margin than 63% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

11th percentile

$86,648

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

67th percentile

4.0%

Faster asset growth than 67% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M 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 / Assets3rd percentile

Assets

Up

$72,771,546

Up $2,769,750 (+4.0%) from 2012

Net Assets

Up

$72,404,191

Up $2,850,284 (+4.1%) from 2012

Liabilities

Down

$367,355

Down $80,534 (-18%) from 2012

Revenue And Expenses
Liabilities / Revenue5th percentileNet Margin63rd percentile

Revenue

$2,831,164

No earlier filing loaded for comparison.

Expenses

Up

$2,500,356

Up $74,714 (+3.1%) from 2012

Net Income

$330,808

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth67th percentile

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

$150M$100M$50M$0Assets 2010: $67,978,529Liabilities 2010: $431,965Net Assets 2010: $67,546,5642010Assets 2011: $68,322,245Liabilities 2011: $322,459Net Assets 2011: $67,999,7872011Assets 2012: $70,001,796Liabilities 2012: $447,889Net Assets 2012: $69,553,9072012Assets 2013: $72,771,546Liabilities 2013: $367,355Net Assets 2013: $72,404,1912013Assets 2014: $75,974,448Liabilities 2014: $399,864Net Assets 2014: $75,574,5842014Assets 2015: $80,796,873Liabilities 2015: $464,981Net Assets 2015: $80,331,8922015Assets 2016: $85,499,014Liabilities 2016: $424,108Net Assets 2016: $85,074,9062016Assets 2017: $87,629,683Liabilities 2017: $551,515Net Assets 2017: $87,078,1682017Assets 2018: $88,297,148Liabilities 2018: $562,352Net Assets 2018: $87,734,7962018Assets 2019: $85,103,643Liabilities 2019: $745,363Net Assets 2019: $84,358,2802019Assets 2020: $95,505,501Liabilities 2020: $399,199Net Assets 2020: $95,106,3022020Assets 2021: $105,147,440Liabilities 2021: $331,958Net Assets 2021: $104,815,4822021Assets 2022: $102,177,265Liabilities 2022: $548,644Net Assets 2022: $101,628,6212022Assets 2023: $98,950,614Liabilities 2023: $693,243Net Assets 2023: $98,257,3712023Assets 2024: $93,697,179Liabilities 2024: $83,319,960Net Assets 2024: $10,377,2192024

Highlighted filing

2013

Assets$72,771,546
Liabilities$367,355
Net Assets$72,404,191
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,856,3162010Expenses 2011: $2,575,9512011Expenses 2012: $2,425,6422012Revenue 2013: $2,831,164Expenses 2013: $2,500,356Net Income 2013: $330,8082013Revenue 2014: $2,825,457Expenses 2014: $2,542,302Net Income 2014: $283,1552014Revenue 2015: $2,969,193Expenses 2015: $2,689,858Net Income 2015: $279,3352015Revenue 2016: $3,030,018Expenses 2016: $2,735,732Net Income 2016: $294,2862016Revenue 2017: $3,181,844Expenses 2017: $2,789,166Net Income 2017: $392,6782017Revenue 2018: $3,613,816Expenses 2018: $2,787,685Net Income 2018: $826,1312018Revenue 2019: $3,882,118Expenses 2019: $3,292,950Net Income 2019: $589,1682019Revenue 2020: $3,459,575Expenses 2020: $3,063,285Net Income 2020: $396,2902020Revenue 2021: $3,304,560Expenses 2021: $3,106,641Net Income 2021: $197,9192021Revenue 2022: $3,668,740Expenses 2022: $3,773,118Net Income 2022: -$104,3782022Revenue 2023: $4,552,072Expenses 2023: $4,328,101Net Income 2023: $223,9712023Revenue 2024: $5,226,564Expenses 2024: $5,533,549Net Income 2024: -$306,9852024

Highlighted filing

2013

Revenue$2,831,164
Expenses$2,500,356
Net Income$330,808
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 14, 2014
Return Version
2013v3.1
Gross Receipts
$2,831,164
Mission and Program Overview

Mission

We provide solutions to improve each of our members financial lives by offering competitive-low fee services and providing financial literacy through education events.

We provide solutions to improve each members financial life by providing savings investments and consumer loan products at favorable rates with minimal fees.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$62,446,685$64,966,161▲ $2,519,476
Other Notes and Loans Receivable, Net$34,945,906$35,791,653▲ $845,747
Savings and Temporary Cash Investments$28,481,918$31,649,593▲ $3,167,675
Rtn Earn Endowment Incm Other Fnds$7,107,222$7,438,030▲ $330,808
Cash and Non-Interest-Bearing Accounts$5,668,396$4,453,852▼ $1,214,544
Prepaid Expenses and Deferred Charges$114,790$83,306▼ $31,484
Land, Buildings, and Equipment, Net$43,861$41,624▼ $2,237
Accounts Receivable$19,189$10,136▼ $9,053
Total Assets$70,001,796$72,771,546▲ $2,769,750
Other Assets Total$727,736$741,382▲ $13,646
Liabilities
Accounts Payable and Accrued Expenses$447,889$367,355▼ $80,534
Other Liabilities$0$0→ $0
Total Liabilities$447,889$367,355▼ $80,534
Net Assets / Fund Balance
Total Net Assets Fund Balance$69,553,907$72,404,191▲ $2,850,284
Total Liabilities and Net Assets / Fund Balance$70,001,796$72,771,546▲ $2,769,750

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$41,624$1,154,378-
Other Assets Org$646,244--
Compensation and Service Providers
Top Officer Pay11th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Steven RaymondVice President Residential LendingFT$86,648$86,648
James LumpkinPresidentceoFT$81,463$81,463
Kathleen ScholesVice PresidentcfoFT$73,264$73,264

Board Members and Trustees

NameTitle
William KirchnerBoard Chair
Lynn VoigtBoard Vice Chair
Steven TerreaultBoard Vice Chair
Brian McconnellBoard Member
Jeff GrieseBoard Member
John FerriseBoard Member
John QuinataBoard Member
Patricia HyattBoard Member
Carol LeiterBoard Secretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Na---
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,556,640
Investment Income
$274,524
Other Revenue
$0
Change in Net Assets
$330,808
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,373,056
Salaries, Compensation, and Employee Benefits$1,127,300
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$640,606-$640,606
Current Officers, Directors, Trustees, and Key Employees-$241,375-$241,375
Interest$230,779--$230,779
Fees for Services Accounting$205,109--$205,109
Information Technology$161,722--$161,722
Occupancy$138,823--$138,823
Other Employee Benefits-$91,713-$91,713
Office Expenses$86,356--$86,356
Payroll Taxes-$80,430-$80,430
Advertising$78,053--$78,053
Pension Plan Contributions-$73,176-$73,176
Fees for Services Management$71,246--$71,246
Fees for Services Legal$31,602--$31,602
Depreciation Depletion$28,912--$28,912
Conferences and Meetings-$24,748-$24,748
Other Expenses$23,505$51,700-$23,505
Insurance$21,848--$21,848
Travel-$2,811-$2,811
Total Functional Expenses$1,293,797$1,206,559$0$2,500,356
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

EIN
93-0256538

Signing Officer

Name
Kathleen Scholes
Title
Vice Presidentcfo
Phone
5032750300
Signed
2014-05-14

Organization Details

Principal Officer
Kathleen Scholes
Formed
1936
Legal Domicile
Or
Voting Board Members
9
Independent Board Members
9
Employees
24
Volunteers
14
Supplemental Narrative

Additional Explanations

Part 6 Line 11

“Documents are available for review by request at 95 sw taylor st portland or 97204”

Part 6 Line 15A

“Board performs annual performance appraisal for ceo. Salary is based on performance and salary surveys of peer group credit unions in regions credit union is located.”

Part 6 Line 15B

“Board grants ceo the authority to set salaries for other staff reviews are conducted and conducted and salaries are based on surveys of peer group credit unions in region”

Part 11 Line 5

“Assets have increased for loans booked investments purchased and higher balance in corporate cash accounts.”

Raw XML Appendix377 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/TitleTxt0PRESIDENTCEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENTCFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE PRESIDENT RESIDENTIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD VICE CHAIR
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IRS990/ProgramServiceRevenueGrp/Desc1LOAN FEES AND ACCOUNT FEES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER MISCELLANEOUS INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt01841343
IRS990/ProgramServiceRevenueGrp/ExclusionAmt1428432
IRS990/ProgramServiceRevenueGrp/ExclusionAmt2286865
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01841343
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1428432
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2286865
IRS990/ProgSrvcAccomActy2Grp/ActivityCd0522130
IRS990/ProgSrvcAccomActy2Grp/Desc0INTEREST & DIVIDENDS PAID ON SAVINGS CERTIFICATES OF DEPOSITS AND BORROWINGS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0313806
IRS990/PYOtherExpensesAmt01333667
IRS990/PYProgramServiceRevenueAmt02622543
IRS990/PYRevenuesLessExpensesAmt0510707
IRS990/PYSalariesCompEmpBnftPaidAmt01091975
IRS990/PYTotalExpensesAmt02425642
IRS990/PYTotalRevenueAmt02936349
IRS990/ReconcilationRevenueExpnssAmt0330808
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07107222
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07438030
IRS990/SavingsAndTempCashInvstGrp/BOYAmt028481918
IRS990/SavingsAndTempCashInvstGrp/EOYAmt031649593
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt041624
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01154378
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt01196002
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt095138
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1646244
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INCOME
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF CAPITALIZATION DEPOSIT
IRS990ScheduleD/TotalBookValueLandBuildingsAmt041624
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0741382
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DOCUMENTS ARE AVAILABLE FOR REVIEW BY REQUEST AT 95 SW TAYLOR ST PORTLAND OR 97204
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD PERFORMS ANNUAL PERFORMANCE APPRAISAL FOR CEO. SALARY IS BASED ON PERFORMANCE AND SALARY SURVEYS OF PEER GROUP CREDIT UNIONS IN REGIONS CREDIT UNION IS LOCATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD GRANTS CEO THE AUTHORITY TO SET SALARIES FOR OTHER STAFF REVIEWS ARE CONDUCTED AND CONDUCTED AND SALARIES ARE BASED ON SURVEYS OF PEER GROUP CREDIT UNIONS IN REGION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ASSETS HAVE INCREASED FOR LOANS BOOKED INVESTMENTS PURCHASED AND HIGHER BALANCE IN CORPORATE CASH ACCOUNTS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0PART 6 LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1PART 6 LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2PART 6 LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3PART 11 LINE 5
IRS990ScheduleR/AssetExchangeInd0false
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0false
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd0false
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0false
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0false
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0false
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine10CREDIT UNION HOME LOAN CENTER
IRS990ScheduleR/TransferFromOtherOrgInd0false
IRS990ScheduleR/TransferToOtherOrgInd0false
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt070001796
IRS990/TotalAssetsEOYAmt072771546
IRS990/TotalAssetsGrp/BOYAmt070001796
IRS990/TotalAssetsGrp/EOYAmt072771546
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt024
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt01206559
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01293797
IRS990/TotalFunctionalExpensesGrp/TotalAmt02500356
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0447889
IRS990/TotalLiabilitiesEOYAmt0367355
IRS990/TotalLiabilitiesGrp/BOYAmt0447889
IRS990/TotalLiabilitiesGrp/EOYAmt0367355
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt069553907
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt072404191
IRS990/TotalProgramServiceRevenueAmt02556640
IRS990/TotalReportableCompFromOrgAmt0241375
IRS990/TotalRevenueGrp/ExclusionAmt02831164
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02831164
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt070001796
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt072771546
IRS990/TravelGrp/ManagementAndGeneralAmt02811
IRS990/TravelGrp/TotalAmt02811
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.USACU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0KATHLEEN SCHOLES
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VICE PRESIDENTCFO
ReturnHeader/BusinessOfficerGrp/PhoneNum05032750300
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10USAGENCIES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0USAG
ReturnHeader/Filer/EIN0930256538
ReturnHeader/Filer/USAddress/AddressLine1095 SW TAYLOR ST
ReturnHeader/Filer/USAddress/City0PORTLAND
ReturnHeader/Filer/USAddress/State0OR
ReturnHeader/Filer/USAddress/ZIPCode097204
ReturnHeader/ReturnTs02014-05-14T11:19:00-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$72,771,546
Liabilities
$367,355
Net assets
$72,404,191
Revenue
$2,831,164
Expenses
$2,500,356
Net income
$330,808
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$93.7$83.3$10.4$5.23$5.53$0.31
2023Detailed filing. Detailed filing data is available for this year.$99.0$0.69$98.3$4.55$4.33$0.22
2022Detailed filing. Detailed filing data is available for this year.$102$0.55$102$3.67$3.77$0.10
2021Detailed filing. Detailed filing data is available for this year.$105$0.33$105$3.30$3.11$0.20
2020Detailed filing. Detailed filing data is available for this year.$95.5$0.40$95.1$3.46$3.06$0.40
2019Detailed filing. Detailed filing data is available for this year.$85.1$0.75$84.4$3.88$3.29$0.59
2018Detailed filing. Detailed filing data is available for this year.$88.3$0.56$87.7$3.61$2.79$0.83
2017Detailed filing. Detailed filing data is available for this year.$87.6$0.55$87.1$3.18$2.79$0.39
2016Detailed filing. Detailed filing data is available for this year.$85.5$0.42$85.1$3.03$2.74$0.29
2015Detailed filing. Detailed filing data is available for this year.$80.8$0.46$80.3$2.97$2.69$0.28
2014Detailed filing. Detailed filing data is available for this year.$76.0$0.40$75.6$2.83$2.54$0.28
2013Detailed filing. Detailed filing data is available for this year.$72.8$0.37$72.4$2.83$2.50$0.33
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$70.0$0.45$69.6$2.43
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.3$0.32$68.0$2.58
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.0$0.43$67.5$2.86