Civic Intelligence

Community First Credit Union

990 • Fiscal year 2012 • EIN 94-1532380

Jan 01, 2012 to Dec 31, 2012 • Filed on Oct 17, 2013

Organization Profilewww.comfirstcu.org

View Organization Page

1105 N Dutton Ave95401
Siviq Scores

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

Liabilities / Assets

80th percentile

0.92x

Higher debt load relative to assets than 80% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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

96th percentile

16%

Faster asset growth than 96% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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 / Assets80th percentile

Assets

Up

$150,632,531

Up $20,580,982 (+16%) from 2011

Net Assets

Up

$12,533,195

Up $1,543,985 (+14%) from 2011

Liabilities

Up

$138,099,336

Up $19,036,997 (+16%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$6,382,162

Down $146,266 (-2.2%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth96th percentile

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

$300M$200M$100M$0Assets 2010: $119,578,011Liabilities 2010: $109,071,859Net Assets 2010: $10,506,1522010Assets 2011: $130,051,549Liabilities 2011: $119,062,339Net Assets 2011: $10,989,2102011Assets 2012: $150,632,531Liabilities 2012: $138,099,336Net Assets 2012: $12,533,1952012Assets 2013: $162,630,686Liabilities 2013: $148,865,593Net Assets 2013: $13,765,0932013Assets 2014: $172,799,244Liabilities 2014: $157,530,265Net Assets 2014: $15,268,9792014Assets 2016: $203,869,290Liabilities 2016: $185,129,933Net Assets 2016: $18,739,3572016

Highlighted filing

2012

Assets$150,632,531
Liabilities$138,099,336
Net Assets$12,533,195
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0Expenses 2010: $6,213,0852010Expenses 2011: $6,528,4282011Expenses 2012: $6,382,1622012Revenue 2013: $7,857,638Expenses 2013: $6,235,294Net Income 2013: $1,622,3442013Revenue 2014: $8,234,863Expenses 2014: $6,848,148Net Income 2014: $1,386,7152014Revenue 2016: $10,316,635Expenses 2016: $8,540,513Net Income 2016: $1,776,1222016

Highlighted filing

2012

Revenue-
Expenses$6,382,162
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Oct 17, 2013
Return Version
2012v2.1
Gross Receipts
$7,685,634
Mission and Program Overview

Mission

To provide consumer financial services to the communities of Napa, Marin, and Sonoma Counties.

Filing and Contact Details

Filer

EIN
94-1532380
Raw XML AppendixShowing 400 of 417 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/GeneralExplanation/Explanation2THE GOVERNING BODY IS ELECTED BY THE MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation3CERTAIN DECISIONS SUCH AS GOVERNING BODY EXPULSION, OR ENTITY MERGER ARE SUBJECT TO MEMBER APPROVAL.
IRS990ScheduleO/GeneralExplanation/Explanation4THE RETURN IS SUBMITTED TO THE CEO FOR REVIEW.
IRS990ScheduleO/GeneralExplanation/Explanation5VOLUNTEERS MUST DISCLOSE TO THE BOARD OF DIRECTORS ANNUALLY ANY INVOLVEMENT WITH ORGANIZATIONS WHICH DO BUSINESS WITH THE CREDIT UNION UNLESS SUCH INVOLVEMENT IS SOLELY IN THE FORM OF AN INVESTMENT IN PUBLICLY TRADED SECURITIES.
IRS990ScheduleO/GeneralExplanation/Explanation6THE BOARD OF DIRECTORS SETS THE CEO'S COMPENSATION BASED ON COMPARABLE CREDIT UNION DATA. COMPARABLE COMPENSATION COMPILED FROM INDEPENDENT SOURCES IS USED TO DETERMINE ALL KEY EMPLOYEE SALARIES.
IRS990ScheduleO/GeneralExplanation/Explanation7FINANCIAL STATEMENTS ARE AVAILABLE ON NCUA.GOV, OTHER DOCUMENTS AVAILABLE BY REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation8PRIOR PERIOD CHANGE IN FUND BALANCE 65,081. EQUITY ACQUIRED IN MERGER 175,432.
IRS990ScheduleO/GeneralExplanation/Explanation9THE AUDIT COMMITTEE OVERSEES THE AUDITED FINANCIAL STATEMENTS.
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ReturnHeader/Filer/NameControl0COMM
ReturnHeader/Filer/Phone07075466000
ReturnHeader/Filer/USAddress/AddressLine101105 N DUTTON AVE
ReturnHeader/Filer/USAddress/City0SANTA ROSA
ReturnHeader/Filer/USAddress/State0CA
ReturnHeader/Filer/USAddress/ZIPCode095401
ReturnHeader/Officer/AuthorizeThirdParty01

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
$150,632,531
Liabilities
$138,099,336
Net assets
$12,533,195
Revenue
-
Expenses
$6,382,162
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$204$185$18.7$10.3$8.54$1.78
2014Detailed filing. Detailed filing data is available for this year.$173$158$15.3$8.23$6.85$1.39
2013Detailed filing. Detailed filing data is available for this year.$163$149$13.8$7.86$6.24$1.62
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$151$138$12.5$6.38
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$119$11.0$6.53
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$120$109$10.5$6.21