Civic Intelligence

Eagle Credit Union Co Unify Financial Credit Union

990 • Fiscal year 2013 • EIN 94-0902652

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 17, 2014

Organization ProfileN/A

View Organization Page

1401 Lakeshore DriveTorrance, CA 95242

(209) 340-2100

Siviq Scores

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

Liabilities / Assets

77th percentile

0.90x

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

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

45th percentile

18.72x

Higher debt load relative to revenue than 45% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

8th percentile

-19%

Higher net margin than 8% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

82nd percentile

$94,300

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 9.2% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

57th percentile

2.2%

Faster asset growth than 57% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M 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 / Assets77th percentile

Assets

Up

$21,197,659

Up $460,427 (+2.2%) from 2012

Net Assets

Down

$2,034,448

Down $229,370 (-10%) from 2012

Liabilities

Up

$19,163,211

Up $689,797 (+3.7%) from 2012

Revenue And Expenses
Liabilities / Revenue45th percentileNet Margin8th percentile

Revenue

$1,023,633

No earlier filing loaded for comparison.

Expenses

Up

$1,215,204

Up $19,777 (+1.7%) from 2012

Net Income

-$191,571

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth57th percentile

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

$30M$20M$10M$0Assets 2010: $22,581,708Liabilities 2010: $20,700,555Net Assets 2010: $1,881,1532010Assets 2011: $20,360,321Liabilities 2011: $18,195,034Net Assets 2011: $2,165,2872011Assets 2012: $20,737,232Liabilities 2012: $18,473,414Net Assets 2012: $2,263,8182012Assets 2013: $21,197,659Liabilities 2013: $19,163,211Net Assets 2013: $2,034,4482013Assets 2014: $20,031,643Liabilities 2014: $18,348,818Net Assets 2014: $1,682,8252014Assets 2015: $19,909,912Liabilities 2015: $18,431,367Net Assets 2015: $1,478,5452015Assets 2016: $0Liabilities 2016: $0Net Assets 2016: $02016

Highlighted filing

2013

Assets$21,197,659
Liabilities$19,163,211
Net Assets$2,034,448
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,901,8642010Expenses 2011: $1,081,5232011Expenses 2012: $1,195,4272012Revenue 2013: $1,023,633Expenses 2013: $1,215,204Net Income 2013: -$191,5712013Revenue 2014: $864,412Expenses 2014: $1,168,152Net Income 2014: -$303,7402014Revenue 2015: $807,855Expenses 2015: $1,019,860Net Income 2015: -$212,0052015Revenue 2016: $334,449Expenses 2016: $550,955Net Income 2016: -$216,5062016

Highlighted filing

2013

Revenue$1,023,633
Expenses$1,215,204
Net Income-$191,571
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 17, 2014
Return Version
2013v3.1
Gross Receipts
$1,023,633
Mission and Program Overview

Mission

Provide low cost financial services

Provide low cost financial services for the benefit of the credit union's members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$9,143,562$8,004,510▼ $1,139,052
Land, Buildings, and Equipment, Net$3,568,595$3,497,075▼ $71,520
Rtn Earn Endowment Incm Other Fnds$2,263,818$2,034,448▼ $229,370
Savings and Temporary Cash Investments$95,070$1,118,187▲ $1,023,117
Cash and Non-Interest-Bearing Accounts$495,308$426,842▼ $68,466
Total Assets$20,737,232$21,197,659▲ $460,427
Other Assets Total$7,434,697$8,151,045▲ $716,348
Liabilities
Other Liabilities$18,515,086$19,109,282▲ $594,196
Accounts Payable and Accrued Expenses$-41,672$53,929▲ $95,601
Total Liabilities$18,473,414$19,163,211▲ $689,797
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,263,818$2,034,448▼ $229,370
Total Liabilities and Net Assets / Fund Balance$20,737,232$21,197,659▲ $460,427

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,711,995$265,902$2,977,897
Land$569,000-$569,000
Equipment$76,343$478,590$554,933
Leasehold Improvements$139,737$77,331$217,068
Other Assets Org$8,858--
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dan RobertsonCEOFT$94,300$94,300

Board Members and Trustees

NameTitle
Rod RodinskyPresident B/d
Louise CarsonBoard
Joe FoleyBoard Member
Cindy TylerSecretary
Joe GrahamTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$620,563
Investment Income
$89,545
Other Revenue
$313,525
Change in Net Assets
$-191,571
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$789,275
Salaries, Compensation, and Employee Benefits$425,929
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$350,407
Other Salaries and Wages---$343,060
Other Expenses---$83,682
Occupancy---$80,842
Depreciation Depletion---$74,047
Other Employee Benefits---$38,226
Payroll Taxes---$33,602
Fees for Services Legal---$32,639
Fees for Services Other---$22,779
Information Technology---$21,258
Fees for Services Accounting---$16,423
Interest---$13,447
Pension Plan Contributions---$11,041
Advertising---$7,448
Travel---$3,591
Conferences and Meetings---$2,669
Total Functional Expenses$0$0$0$1,215,204
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$19,109,282
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
Yes
Management duties delegated
No
Filing and Contact Details

Filer

EIN
94-0902652
Phone
2093402100

Signing Officer

Name
Dan Robertson
Title
CEO
Phone
2093402100
Signed
2014-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dan Robertson
Formed
1929
Legal Domicile
CA
Voting Board Members
5
Independent Board Members
5
Employees
9
Volunteers
5

Preparer

Preparer
Jacquilla Burrell
Phone
6263319744
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“Organization is a member owned state chartered credit union.”

Pt VI, Line 7A

“Board members are elected by the membership during the annual meeting.”

Pt VI, Line 7B

“Members vote for members running for a position on the”

Pt VI, Line 7B

“Board of Directors. Members also vote on retention”

Pt VI, Line 7B

“and/or removal of Board Members suspended by the”

Pt VI, Line 7B

“Supervisory Committe.”

Pt VI, Line 7B

“Some board decisions are ratified by the membership during”

Pt VI, Line 7B

“the annual meeting and/or special meetings.”

Pt VI, Line 10B

“Daily auditing functions are performed to ensure compliance within policy.”

Pt VI, Line 11B

“The CEO reviews all tax statements prior to filing.”

Pt VI, Line 15A

“The credit union uses TCT Consulting Inc.”

Pt VI, Line 15B

“The credit union uses TCT Consulting Inc.”

Pt VI, Line 19

“Governing documents and the conflict of interest”

Pt VI, Line 19

“policy are not made available to the public. Financial”

Pt VI, Line 19

“statements are posted monthly in the lobby.”

Raw XML Appendix352 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Organization is a member owned state chartered credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board members are elected by the membership during the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members vote for members running for a position on the
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Board of Directors. Members also vote on retention
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4and/or removal of Board Members suspended by the
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Supervisory Committe.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Some board decisions are ratified by the membership during
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7the annual meeting and/or special meetings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Daily auditing functions are performed to ensure compliance within policy.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9The CEO reviews all tax statements prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10The credit union uses TCT Consulting Inc.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11The credit union uses TCT Consulting Inc.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Governing documents and the conflict of interest
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13policy are not made available to the public. Financial
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14statements are posted monthly in the lobby.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt VI, Line 10b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Pt VI, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt020737232
IRS990/TotalAssetsEOYAmt021197659
IRS990/TotalAssetsGrp/BOYAmt020737232
IRS990/TotalAssetsGrp/EOYAmt021197659
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/TotalAmt01215204
IRS990/TotalGrossUBIAmt025152
IRS990/TotalLiabilitiesBOYAmt018473414
IRS990/TotalLiabilitiesEOYAmt019163211
IRS990/TotalLiabilitiesGrp/BOYAmt018473414
IRS990/TotalLiabilitiesGrp/EOYAmt019163211
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02263818
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02034448
IRS990/TotalProgramServiceRevenueAmt0620563
IRS990/TotalReportableCompFromOrgAmt094300
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0998481
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01023633
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt025152
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt020737232
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt021197659
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt03591
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101401 LAKESHORE DRIVE
IRS990/USAddress/City0LODI
IRS990/USAddress/State0CA
IRS990/USAddress/ZIPCode095242
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DAN ROBERTSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02093402100
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-17
ReturnHeader/Filer/BusinessName/BusinessNameLine10EAGLE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0EAGL
ReturnHeader/Filer/EIN0940902652
ReturnHeader/Filer/PhoneNum02093402100
ReturnHeader/Filer/USAddress/AddressLine101401 LAKESHORE DRIVE
ReturnHeader/Filer/USAddress/City0LODI
ReturnHeader/Filer/USAddress/State0CA
ReturnHeader/Filer/USAddress/ZIPCode095242
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10JACQUILLA BURRELL CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10127 WEST BADILLO STREET STE 127E
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0COVINA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode091723
ReturnHeader/PreparerPersonGrp/PhoneNum06263319744
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JACQUILLA BURRELL
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-11-17T15:06:07-08:00
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
$21,197,659
Liabilities
$19,163,211
Net assets
$2,034,448
Revenue
$1,023,633
Expenses
$1,215,204
Net income
-$191,571
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.33$0.55$0.22
2015Detailed filing. Detailed filing data is available for this year.$19.9$18.4$1.48$0.81$1.02$0.21
2014Detailed filing. Detailed filing data is available for this year.$20.0$18.3$1.68$0.86$1.17$0.30
2013Detailed filing. Detailed filing data is available for this year.$21.2$19.2$2.03$1.02$1.22$0.19
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.7$18.5$2.26$1.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.4$18.2$2.17$1.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.6$20.7$1.88$1.90