Civic Intelligence

Valley First Credit Union

990 • Fiscal year 2012 • EIN 94-1439553

Jan 01, 2012 to Dec 31, 2012 • Filed on May 08, 2013

Organization ProfileWWW.VALLEYFIRSTCU.ORG

View Organization Page

PO Box 141195353-1411
Siviq Scores

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

Liabilities / Assets

46th percentile

0.89x

Higher debt load relative to assets than 46% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

97th percentile

24%

Faster asset growth than 97% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets46th percentile

Assets

Up

$475,294,888

Up $92,280,099 (+24%) from 2011

Net Assets

Up

$50,204,460

Up $7,349,568 (+17%) from 2011

Liabilities

Up

$425,090,428

Up $84,930,531 (+25%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$20,245,887

Up $1,527,583 (+8.2%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth97th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $363,955,207Liabilities 2010: $327,507,263Net Assets 2010: $36,447,9442010Assets 2011: $383,014,789Liabilities 2011: $340,159,897Net Assets 2011: $42,854,8922011Assets 2012: $475,294,888Liabilities 2012: $425,090,428Net Assets 2012: $50,204,4602012Assets 2013: $502,650,838Liabilities 2013: $456,035,381Net Assets 2013: $46,615,4572013Assets 2014: $525,370,714Liabilities 2014: $472,616,024Net Assets 2014: $52,754,6902014Assets 2015: $555,484,443Liabilities 2015: $498,451,775Net Assets 2015: $57,032,6682015Assets 2016: $586,820,094Liabilities 2016: $526,673,116Net Assets 2016: $60,146,9782016Assets 2017: $603,790,074Liabilities 2017: $542,900,425Net Assets 2017: $60,889,6492017Assets 2018: $590,851,203Liabilities 2018: $529,116,901Net Assets 2018: $61,734,3022018Assets 2019: $593,162,543Liabilities 2019: $527,612,922Net Assets 2019: $65,549,6212019Assets 2020: $769,456,143Liabilities 2020: $698,024,078Net Assets 2020: $71,432,0652020Assets 2021: $895,204,166Liabilities 2021: $817,121,086Net Assets 2021: $78,083,0802021Assets 2022: $964,187,226Liabilities 2022: $888,224,752Net Assets 2022: $75,962,4742022Assets 2023: $1,019,297,447Liabilities 2023: $935,538,521Net Assets 2023: $83,758,9262023Assets 2024: $1,027,273,852Liabilities 2024: $936,329,209Net Assets 2024: $90,944,6432024

Highlighted filing

2012

Assets$475,294,888
Liabilities$425,090,428
Net Assets$50,204,460
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$80M$60M$40M$20M$0Expenses 2010: $20,814,3642010Expenses 2011: $18,718,3042011Expenses 2012: $20,245,8872012Revenue 2013: $26,237,061Expenses 2013: $23,214,316Net Income 2013: $3,022,7452013Revenue 2014: $25,677,722Expenses 2014: $23,231,989Net Income 2014: $2,445,7332014Revenue 2015: $26,671,831Expenses 2015: $23,670,227Net Income 2015: $3,001,6042015Revenue 2016: $27,698,296Expenses 2016: $24,106,054Net Income 2016: $3,592,2422016Revenue 2017: $27,443,653Expenses 2017: $26,161,154Net Income 2017: $1,282,4992017Revenue 2018: $30,019,835Expenses 2018: $29,159,915Net Income 2018: $859,9202018Revenue 2019: $33,020,774Expenses 2019: $30,426,409Net Income 2019: $2,594,3652019Revenue 2020: $34,327,835Expenses 2020: $28,803,577Net Income 2020: $5,524,2582020Revenue 2021: $33,497,583Expenses 2021: $25,343,848Net Income 2021: $8,153,7352021Revenue 2022: $40,105,453Expenses 2022: $30,736,008Net Income 2022: $9,369,4452022Revenue 2023: $57,186,497Expenses 2023: $47,771,769Net Income 2023: $9,414,7282023Revenue 2024: $63,347,544Expenses 2024: $58,535,460Net Income 2024: $4,812,0842024

Highlighted filing

2012

Revenue-
Expenses$20,245,887
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 8, 2013
Return Version
2012v2.1
Gross Receipts
$23,266,139
Mission and Program Overview

Mission

Valley first credit union is a state chartered credit union that provides low cost financial services to its communities.

Major Activities

Activity 2
Valley first provides savings account products that are of greater benefit to members as compared to competitors. Valley first pays higher dividend rates for comparable savings products.
Activity 3
Valley first provides checking account products that are of greater benefit to members, as compared to its competitors. Several types of checking accounts are offered, from free checking to speciality checking accounts that pay members dividends for balances kept in their account. Again the fee for a checking account and the dividend rates for comparable checking products are better than competitors.
Filing and Contact Details

Filer

EIN
94-1439553
Raw XML AppendixShowing 400 of 574 raw XML fields

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IRS990ScheduleC/Sec527PolOrgs/AddressUS/ZIPCode093710
IRS990ScheduleC/Sec527PolOrgs/AddressUS/ZIPCode195207
IRS990ScheduleC/Sec527PolOrgs/AddressUS/ZIPCode291761
IRS990ScheduleC/Sec527PolOrgs/AddressUS/ZIPCode395352
IRS990ScheduleC/Sec527PolOrgs/AmtPdFromInternalFunds01000
IRS990ScheduleC/Sec527PolOrgs/AmtPdFromInternalFunds12000
IRS990ScheduleC/Sec527PolOrgs/AmtPdFromInternalFunds26250
IRS990ScheduleC/Sec527PolOrgs/AmtPdFromInternalFunds31000
IRS990ScheduleC/Sec527PolOrgs/NameOf527Organization/BusinessNameLine10TOM BERRYHILL FOR SENATE
IRS990ScheduleC/Sec527PolOrgs/NameOf527Organization/BusinessNameLine11BILL BERRYHILL CAMPAIGN
IRS990ScheduleC/Sec527PolOrgs/NameOf527Organization/BusinessNameLine12CCUL GOVERNOR'S CUP
IRS990ScheduleC/Sec527PolOrgs/NameOf527Organization/BusinessNameLine13KRISTIN OLSEN FOR ASSEMBLY
IRS990ScheduleC/TotalExmptFunctionExpenditures010250
IRS990ScheduleD/Buildings/BookValue07721681
IRS990ScheduleD/Buildings/Depreciation02242554
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis09964235
IRS990ScheduleD/Equipment/BookValue02086215
IRS990ScheduleD/Equipment/Depreciation08657355
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis010743570
IRS990ScheduleD/Land/BookValue01914626
IRS990ScheduleD/Land/OtherCostOrOtherBasis01914626
IRS990ScheduleD/LeaseholdImprovements/BookValue01948872
IRS990ScheduleD/LeaseholdImprovements/Depreciation02931922
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis04880794
IRS990ScheduleD/OtherLiabilities/Amount0419542710
IRS990ScheduleD/OtherLiabilities/Description0MEMBER SHARES
IRS990ScheduleD/TotalOfAmounts0419542710
IRS990ScheduleD/TotalOfBookValueLandBuildings013671394
IRS990ScheduleJ/BoardOrCommitteeApproval0X
IRS990ScheduleJ/ClubDuesOrFees0X
IRS990ScheduleJ/CompensationCommittee0X
IRS990ScheduleJ/CompensationSurvey0X
IRS990ScheduleJ/EquityBasedCompArrangement00
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0226149
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg1150877
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg2145062
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg3140508
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg4161000
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg022306
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg113250
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg212434
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg311275
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg40
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs30
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs40
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs30
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs40

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$475,294,888
Liabilities
$425,090,428
Net assets
$50,204,460
Revenue
-
Expenses
$20,245,887
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,027$936$90.9$63.3$58.5$4.81
2023Summary only. Only limited summary data is available for this year.$1,019$936$83.8$57.2$47.8$9.41
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$964$888$76.0$40.1$30.7$9.37
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$895$817$78.1$33.5$25.3$8.15
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$769$698$71.4$34.3$28.8$5.52
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$593$528$65.5$33.0$30.4$2.59
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$591$529$61.7$30.0$29.2$0.86
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$604$543$60.9$27.4$26.2$1.28
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$587$527$60.1$27.7$24.1$3.59
2015Detailed filing. Detailed filing data is available for this year.$555$498$57.0$26.7$23.7$3.00
2014Detailed filing. Detailed filing data is available for this year.$525$473$52.8$25.7$23.2$2.45
2013Detailed filing. Detailed filing data is available for this year.$503$456$46.6$26.2$23.2$3.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$475$425$50.2$20.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$383$340$42.9$18.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$364$328$36.4$20.8
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $250M-$1B nonprofits