Civic Intelligence

Utility District Credit Union

990 • Fiscal year 2013 • EIN 94-1021891

Jan 01, 2013 to Dec 31, 2013 • Filed on May 09, 2014

Organization ProfileN/A

View Organization Page

375 11th Street94607

(510) 287-0467

Siviq Scores

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

Liabilities / Assets

86th percentile

0.92x

Higher debt load relative to assets than 86% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

92nd percentile

30.47x

Higher debt load relative to revenue than 92% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

76th percentile

13%

Higher net margin than 76% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

51st percentile

$96,559

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 11.8% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

37th percentile

0.4%

Faster asset growth than 37% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M 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 / Assets86th percentile

Assets

Up

$27,300,355

Up $118,715 (+0.4%) from 2012

Net Assets

Up

$2,277,723

Up $135,914 (+6.3%) from 2012

Liabilities

Down

$25,022,632

Down $17,199 (-0.1%) from 2012

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin76th percentile

Revenue

$821,103

No earlier filing loaded for comparison.

Expenses

Down

$714,755

Down $86,626 (-11%) from 2012

Net Income

$106,348

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth37th percentile

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

$40M$30M$20M$10M$0Assets 2010: $25,388,115Liabilities 2010: $23,285,849Net Assets 2010: $2,102,2662010Assets 2011: $27,075,099Liabilities 2011: $24,977,546Net Assets 2011: $2,097,5532011Assets 2012: $27,181,640Liabilities 2012: $25,039,831Net Assets 2012: $2,141,8092012Assets 2013: $27,300,355Liabilities 2013: $25,022,632Net Assets 2013: $2,277,7232013Assets 2014: $29,331,473Liabilities 2014: $26,918,599Net Assets 2014: $2,412,8742014Assets 2015: $30,390,532Liabilities 2015: $27,852,781Net Assets 2015: $2,537,7512015Assets 2016: $31,646,003Liabilities 2016: $29,017,278Net Assets 2016: $2,628,7252016Assets 2017: $31,611,769Liabilities 2017: $28,876,357Net Assets 2017: $2,735,4122017Assets 2018: $32,833,848Liabilities 2018: $29,953,745Net Assets 2018: $2,880,1032018Assets 2019: $32,576,787Liabilities 2019: $29,531,731Net Assets 2019: $3,045,0562019Assets 2020: $36,075,380Liabilities 2020: $33,006,676Net Assets 2020: $3,068,7042020Assets 2021: $36,719,200Liabilities 2021: $33,843,664Net Assets 2021: $2,875,5362021Assets 2022: $37,976,975Liabilities 2022: $35,174,661Net Assets 2022: $2,802,3142022Assets 2023: $36,614,254Liabilities 2023: $33,864,474Net Assets 2023: $2,749,7802023Assets 2024: $32,833,109Liabilities 2024: $30,067,768Net Assets 2024: $2,765,3412024

Highlighted filing

2013

Assets$27,300,355
Liabilities$25,022,632
Net Assets$2,277,723
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $937,9992010Expenses 2011: $901,8752011Expenses 2012: $801,3812012Revenue 2013: $821,103Expenses 2013: $714,755Net Income 2013: $106,3482013Revenue 2014: $854,392Expenses 2014: $719,241Net Income 2014: $135,1512014Revenue 2015: $865,184Expenses 2015: $740,307Net Income 2015: $124,8772015Revenue 2016: $882,056Expenses 2016: $791,084Net Income 2016: $90,9722016Revenue 2017: $895,548Expenses 2017: $788,861Net Income 2017: $106,6872017Revenue 2018: $991,585Expenses 2018: $846,894Net Income 2018: $144,6912018Revenue 2019: $1,031,567Expenses 2019: $866,624Net Income 2019: $164,9432019Revenue 2020: $909,484Expenses 2020: $885,836Net Income 2020: $23,6482020Revenue 2021: $700,015Expenses 2021: $893,183Net Income 2021: -$193,1682021Revenue 2022: $816,860Expenses 2022: $890,082Net Income 2022: -$73,2222022Revenue 2023: $995,618Expenses 2023: $1,032,920Net Income 2023: -$37,3022023Revenue 2024: $1,028,680Expenses 2024: $999,846Net Income 2024: $28,8342024

Highlighted filing

2013

Revenue$821,103
Expenses$714,755
Net Income$106,348
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 9, 2014
Return Version
2013v3.1
Gross Receipts
$821,103
Mission and Program Overview

Mission

Promoting thrift and providing low cost loans to members.

Mission promoting thrift and proving low cost loans to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$19,273,544$17,294,028▼ $1,979,516
Other Notes and Loans Receivable, Net$6,687,940$7,997,774▲ $1,309,834
Rtn Earn Endowment Incm Other Fnds$2,141,809$2,277,723▲ $135,914
Savings and Temporary Cash Investments$595,232$1,317,628▲ $722,396
Cash and Non-Interest-Bearing Accounts$273,307$337,126▲ $63,819
Prepaid Expenses and Deferred Charges$22,248$30,610▲ $8,362
Land, Buildings, and Equipment, Net$453$838▲ $385
Total Assets$27,181,640$27,300,355▲ $118,715
Other Assets Total$328,916$322,351▼ $6,565
Liabilities
Other Liabilities$25,108,167$24,989,699▼ $118,468
Accounts Payable and Accrued Expenses$-68,336$32,933▲ $101,269
Total Liabilities$25,039,831$25,022,632▼ $17,199
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,141,809$2,277,723▲ $135,914
Total Liabilities and Net Assets / Fund Balance$27,181,640$27,300,355▲ $118,715

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$838$117,745$118,583
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Hassan Y ElmiCEOFT$96,559$96,559

Board Members and Trustees

NameTitle
David RehnstromPresident
Ken MinnVice President
Jimi YoloyeBoard Member
Mike TognoliniBoard Member
Mona FosterwhiteBoard Member
Ramona GonzalezBoard Member
Barry GardinSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$470,677
Investment Income
$350,426
Other Revenue
$0
Change in Net Assets
$106,348
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$490,103
Other Expenses$224,652
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$245,040
Current Officers, Directors, Trustees, and Key Employees---$96,559
Other Employee Benefits---$81,625
Information Technology---$77,435
Insurance---$39,136
Pension Plan Contributions---$37,672
Office Expenses---$36,150
Payroll Taxes---$29,207
Interest---$16,524
Fees for Services Accounting---$11,925
Advertising---$6,674
Fees for Services Other---$5,469
All Other Expenses---$4,954
Conferences and Meetings---$3,280
Depreciation Depletion---$519
Other Expenses---$-3,717
Total Functional Expenses$0$0$0$714,755
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
Members (savings) Share Accounts$24,989,699
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

EIN
94-1021891
Phone
5102870467

Signing Officer

Name
Hassan Elmi
Title
CEO
Phone
5102870467
Signed
2014-05-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Hassan Elmi
Formed
1935
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
6
Volunteers
6

Preparer

Preparer
Jacquilla Burrell
Phone
6263319744
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“This organization is a member owned credit union.”

Pt VI, Line 7A

“Credit union members elect the board of directors”

Pt VI, Line 7B

“Only rarely do board decisions require members' approval”

Pt VI, Line 11B

“The tax forms are reviewed and discussed by the board”

Pt VI, Line 11B

“during regular board meeting.”

Pt VI, Line 12C

“The auditor selected by Supervisor Committee reviews employee and management”

Pt VI, Line 12C

“transactions, if any, for compliance.”

Pt VI, Line 15A

“Salary ranges are determinded by comparison to peer sized credit”

Pt VI, Line 15A

“unions as published by the California-Nevada Credit Union League.”

Pt VI, Line 15B

“Compensation determined by Board and Personnel Committee.”

Pt VI, Line 19

“Financial Statements are posted for viewing at each location.”

Pt VI, Line 19

“Form 990 and conflict of interest policy available”

Pt VI, Line 19

“upon request.”

Pt XI

“LINE 9, One time adjustment to retained earnings in the amount”

Pt XI

“of $29,566 due to the transition from recognizing interest income on”

Pt XI

“investments from the cash basic to the accrual basis.”

Form 990, Part IX, Line 24F

“Publication & reference supervisory committee atm expenses franchise tax collection ncusif stablization expense misc”

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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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0This organization is a member owned credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Credit union members elect the board of directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Only rarely do board decisions require members' approval
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The tax forms are reviewed and discussed by the board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4during regular board meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The auditor selected by Supervisor Committee reviews employee and management
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6transactions, if any, for compliance.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Salary ranges are determinded by comparison to peer sized credit
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8unions as published by the California-Nevada Credit Union League.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Compensation determined by Board and Personnel Committee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Financial Statements are posted for viewing at each location.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Form 990 and conflict of interest policy available
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13LINE 9, One time adjustment to retained earnings in the amount
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14of $29,566 due to the transition from recognizing interest income on
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15investments from the cash basic to the accrual basis.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16PUBLICATION & REFERENCE SUPERVISORY COMMITTEE ATM EXPENSES FRANCHISE TAX COLLECTION NCUSIF STABLIZATION EXPENSE MISC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Pt XI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Pt XI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Pt XI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt027181640
IRS990/TotalAssetsEOYAmt027300355
IRS990/TotalAssetsGrp/BOYAmt027181640
IRS990/TotalAssetsGrp/EOYAmt027300355
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt0714755
IRS990/TotalGrossUBIAmt018464
IRS990/TotalLiabilitiesBOYAmt025039831
IRS990/TotalLiabilitiesEOYAmt025022632
IRS990/TotalLiabilitiesGrp/BOYAmt025039831
IRS990/TotalLiabilitiesGrp/EOYAmt025022632
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02141809
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02277723
IRS990/TotalProgramServiceRevenueAmt0470677
IRS990/TotalReportableCompFromOrgAmt096559
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0802639
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0821103
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt018464
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt027181640
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt027300355
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10375 11TH STREET
IRS990/USAddress/City0OAKLAND
IRS990/USAddress/State0CA
IRS990/USAddress/ZIPCode094607
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0HASSAN ELMI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05102870467
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-09
ReturnHeader/Filer/BusinessName/BusinessNameLine10UTILITY DISTRICT CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0UTIL
ReturnHeader/Filer/EIN0941021891
ReturnHeader/Filer/PhoneNum05102870467
ReturnHeader/Filer/USAddress/AddressLine10375 11TH STREET
ReturnHeader/Filer/USAddress/City0OAKLAND
ReturnHeader/Filer/USAddress/State0CA
ReturnHeader/Filer/USAddress/ZIPCode094607
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/ReturnTs02014-05-09T11:49:00-07:00
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
$27,300,355
Liabilities
$25,022,632
Net assets
$2,277,723
Revenue
$821,103
Expenses
$714,755
Net income
$106,348
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$32.8$30.1$2.77$1.03$1.00$0.03
2023Detailed filing. Detailed filing data is available for this year.$36.6$33.9$2.75$1.00$1.03$0.04
2022Detailed filing. Detailed filing data is available for this year.$38.0$35.2$2.80$0.82$0.89$0.07
2021Detailed filing. Detailed filing data is available for this year.$36.7$33.8$2.88$0.70$0.89$0.19
2020Detailed filing. Detailed filing data is available for this year.$36.1$33.0$3.07$0.91$0.89$0.02
2019Detailed filing. Detailed filing data is available for this year.$32.6$29.5$3.05$1.03$0.87$0.16
2018Detailed filing. Detailed filing data is available for this year.$32.8$30.0$2.88$0.99$0.85$0.14
2017Detailed filing. Detailed filing data is available for this year.$31.6$28.9$2.74$0.90$0.79$0.11
2016Detailed filing. Detailed filing data is available for this year.$31.6$29.0$2.63$0.88$0.79$0.09
2015Detailed filing. Detailed filing data is available for this year.$30.4$27.9$2.54$0.87$0.74$0.12
2014Detailed filing. Detailed filing data is available for this year.$29.3$26.9$2.41$0.85$0.72$0.14
2013Detailed filing. Detailed filing data is available for this year.$27.3$25.0$2.28$0.82$0.71$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.2$25.0$2.14$0.80
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.1$25.0$2.10$0.90
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.4$23.3$2.10$0.94