Civic Intelligence

Ucb Credit Union

990 • Fiscal year 2013 • EIN 94-2672401

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 03, 2014

Organization ProfileN/A
250 N 1950 W84116

(801) 220-0800

Siviq Scores

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

Liabilities / Assets

43rd percentile

0.81x

Higher debt load relative to assets than 43% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

73rd percentile

23.03x

Higher debt load relative to revenue than 73% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

15th percentile

-21%

Higher net margin than 15% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

20th percentile

$0

Higher top officer pay than 20% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

48th percentile

-0.6%

Faster asset growth than 48% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

35th percentile

-1.9%

Faster revenue growth than 35% of similar nonprofits.

2013 filings • $1M-$5M nonprofits • Annualized from 2010 to 2013

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Down

$1,389,581

Down $8,508 (-0.6%) from 2012

Net Assets

Down

$260,870

Down $10,092 (-3.7%) from 2012

Liabilities

Up

$1,128,711

Up $1,584 (+0.1%) from 2012

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin15th percentile

Revenue

$49,012

No earlier filing loaded for comparison.

Expenses

Up

$59,104

Up $17,380 (+42%) from 2012

Net Income

-$10,092

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth48th percentile

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

$1.5M$1.0M$500K$0Assets 2010: $1,414,886Liabilities 2010: $8,879Net Assets 2010: $1,406,0062010Assets 2011: $1,396,475Liabilities 2011: $1,126,013Net Assets 2011: $270,4622011Assets 2012: $1,398,089Liabilities 2012: $1,127,127Net Assets 2012: $270,9622012Assets 2013: $1,389,581Liabilities 2013: $1,128,711Net Assets 2013: $260,8702013Assets 2014: $1,234,492Liabilities 2014: $973,834Net Assets 2014: $260,6582014Assets 2015: $1,257,499Liabilities 2015: $1,056,779Net Assets 2015: $200,7202015

Highlighted filing

2013

Assets$1,389,581
Liabilities$1,128,711
Net Assets$260,870
Open 2013 Filing

Operations Trend

Revenue Growth35th percentile

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

$80K$60K$40K$20K$0-$20KRevenue 2010: $51,923Expenses 2010: $54,697Net Income 2010: -$2,7742010Expenses 2011: $41,4882011Expenses 2012: $41,7242012Revenue 2013: $49,012Expenses 2013: $59,104Net Income 2013: -$10,0922013Revenue 2014: $61,156Expenses 2014: $61,368Net Income 2014: -$2122014Revenue 2015: $38,985Expenses 2015: $49,621Net Income 2015: -$10,6362015

Highlighted filing

2013

Revenue$49,012
Expenses$59,104
Net Income-$10,092
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 3, 2014
Return Version
2013v3.1
Gross Receipts
$49,012
Mission and Program Overview

Mission

To provide financial services to the blind of utah

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$874,835$906,405▲ $31,570
Other Notes and Loans Receivable, Net$509,837$470,499▼ $39,338
Rtn Earn Endowment Incm Other Fnds$270,962$260,870▼ $10,092
Cash and Non-Interest-Bearing Accounts$1,500$1,500→ $0
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$1,398,089$1,389,581▼ $8,508
Other Assets Total$11,917$11,177▼ $740
Liabilities
Other Liabilities$1,120,521$1,121,485▲ $964
Accounts Payable and Accrued Expenses$6,606$7,226▲ $620
Total Liabilities$1,127,127$1,128,711▲ $1,584
Net Assets / Fund Balance
Total Net Assets Fund Balance$270,962$260,870▼ $10,092
Total Liabilities and Net Assets / Fund Balance$1,398,089$1,389,581▼ $8,508
Compensation and Service Providers
Top Officer Pay20th percentile

Board Members and Trustees

NameTitle
Vicki JaquierChairman
Angela LongboatDirector
Brenda RachelleDirector
Chris EdwardsDirector
Cordie WeedDirector
Leslie H GertschDirector
Michael GinsburgSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$39,363
Investment Income
$9,649
Other Revenue
$0
Change in Net Assets
$-10,092
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$43,939
Salaries, Compensation, and Employee Benefits$15,165
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$15,165
Office Expenses---$11,749
Other Expenses---$5,482
All Other Expenses---$2,896
Total Functional Expenses$0$0$0$59,104
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Nonmember Deposits$597,892
Regular Shares$523,593
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Member of the credit union are required to maintain at least $25 in a share account at all times to qualify for membership.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The president of the credit union, teresa wilko, performed a review of the form 990 before it was filed with the internal revenue service.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“The organization posts financial information in its office and on ncua.gov.”

Filing and Contact Details

Filer

EIN
94-2672401

Signing Officer

Name
Teresa Wilko
Title
President
Signed
2014-11-03
Discuss with paid preparer
Yes

Organization Details

Formed
1975
Legal Domicile
Ut
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
10

Preparer

Preparer
Russell Dickson
Phone
8018596545
Raw XML Appendix340 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/ExplanationTxt0MEMBER OF THE CREDIT UNION ARE REQUIRED TO MAINTAIN AT LEAST $25 IN A SHARE ACCOUNT AT ALL TIMES TO QUALIFY FOR MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE PRESIDENT OF THE CREDIT UNION, TERESA WILKO, PERFORMED A REVIEW OF THE FORM 990 BEFORE IT WAS FILED WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION POSTS FINANCIAL INFORMATION IN ITS OFFICE AND ON NCUA.GOV.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TERESA WILKO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-03
ReturnHeader/Filer/BusinessName/BusinessNameLine10UCB CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0UCBC
ReturnHeader/Filer/EIN0942672401
ReturnHeader/Filer/USAddress/AddressLine10250 N 1950 W
ReturnHeader/Filer/USAddress/City0SALT LAKE CITY
ReturnHeader/Filer/USAddress/State0UT
ReturnHeader/Filer/USAddress/ZIPCode084116
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10DICKSON AND COMPANY INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine102956 S Hudson Cir
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Salt Lake City
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0UT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode084106
ReturnHeader/PreparerPersonGrp/PhoneNum08018596545
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Russell Dickson
ReturnHeader/ReturnTs02014-11-11T09:40:06-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$1,389,581
Liabilities
$1,128,711
Net assets
$260,870
Revenue
$49,012
Expenses
$59,104
Net income
-$10,092
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.26$1.06$0.20$0.04$0.05$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.23$0.97$0.26$0.06$0.06$0.00
2013Detailed filing. Detailed filing data is available for this year.$1.39$1.13$0.26$0.05$0.06$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.40$1.13$0.27$0.04
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.40$1.13$0.27$0.04
2010Summary only. Only limited summary data is available for this year.$1.41$0.01$1.41$0.05$0.05$0.00