Civic Intelligence

Ucb Credit Union

990 • Fiscal year 2014 • EIN 94-2672401

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 02, 2015

Organization ProfileN/A
250 N 1950 WSalt Lake City, UT 84116

(801) 220-0800

Siviq Scores

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

Liabilities / Assets

36th percentile

0.79x

Higher debt load relative to assets than 36% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

47th percentile

15.92x

Higher debt load relative to revenue than 47% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

36th percentile

-0.3%

Higher net margin than 36% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

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

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

8th percentile

-11%

Faster asset growth than 8% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

98th percentile

25%

Faster revenue growth than 98% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets36th percentile

Assets

Down

$1,234,492

Down $155,089 (-11%) from 2013

Net Assets

Down

$260,658

Down $212 (-0.1%) from 2013

Liabilities

Down

$973,834

Down $154,877 (-14%) from 2013

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin36th percentile

Revenue

Up

$61,156

Up $12,144 (+25%) from 2013

Expenses

Up

$61,368

Up $2,264 (+3.8%) from 2013

Net Income

Up

-$212

Up $9,880 (+98%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth8th 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

2014

Assets$1,234,492
Liabilities$973,834
Net Assets$260,658
Open 2014 Filing

Operations Trend

Revenue Growth98th 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

2014

Revenue$61,156
Expenses$61,368
Net Income-$212
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 2, 2015
Return Version
2014v5.0
Gross Receipts
$61,156
Mission and Program Overview

Mission

To provide financial services to the blind of utah

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$906,405$842,512▼ $63,893
Other Notes and Loans Receivable, Net$470,499$378,805▼ $91,694
Rtn Earn Endowment Incm Other Fnds$260,870$260,658▼ $212
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$1,389,581$1,234,492▼ $155,089
Other Assets Total$11,177$11,675▲ $498
Liabilities
Other Liabilities$1,121,485$970,250▼ $151,235
Accounts Payable and Accrued Expenses$7,226$3,584▼ $3,642
Total Liabilities$1,128,711$973,834▼ $154,877
Net Assets / Fund Balance
Total Net Assets Fund Balance$260,870$260,658▼ $212
Total Liabilities and Net Assets / Fund Balance$1,389,581$1,234,492▼ $155,089
Compensation and Service Providers
Top Officer Pay18th 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
$50,043
Investment Income
$11,113
Other Revenue
$0
Change in Net Assets
$-212
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$43,752
Salaries, Compensation, and Employee Benefits$17,616
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$17,616--$17,616
Office Expenses$7,272--$7,272
Other Expenses$5,617--$5,617
All Other Expenses$1,866--$1,866
Total Functional Expenses$61,368$0$0$61,368
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$747,338
Regular Shares$222,912
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

Filer Name
Ucb Credit Union
EIN
94-2672401
Address
250 N 1950 W, SALT LAKE CITY, UT 84116

Signing Officer

Name
Matthew Conley
Title
President
Signed
2015-11-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Matthew Conley
Formed
1975
Legal Domicile
Ut
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
10

Preparer

Firm
Dickson and Company Inc
Address
455 East 500 South Suite 400, Salt Lake City, UT 84106
Preparer
Russell Dickson
Phone
8018596545
Raw XML Appendix351 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/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01128711
IRS990/TotalLiabilitiesEOYAmt0973834
IRS990/TotalLiabilitiesGrp/BOYAmt01128711
IRS990/TotalLiabilitiesGrp/EOYAmt0973834
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0260870
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0260658
IRS990/TotalProgramServiceRevenueAmt050043
IRS990/TotalRevenueGrp/ExclusionAmt011113
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt050043
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt061156
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01389581
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01234492
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MATTHEW CONLEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UCB CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0UCBC
ReturnHeader/Filer/EIN0942672401
ReturnHeader/Filer/USAddress/AddressLine1Txt0250 N 1950 W
ReturnHeader/Filer/USAddress/CityNm0SALT LAKE CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0UT
ReturnHeader/Filer/USAddress/ZIPCd084116
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DICKSON AND COMPANY INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0455 East 500 South Suite 400
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Salt Lake City
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0UT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd084106
ReturnHeader/PreparerPersonGrp/PhoneNum08018596545
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Russell Dickson
ReturnHeader/ReturnTs02015-11-09T11:29:21-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,234,492
Liabilities
$973,834
Net assets
$260,658
Revenue
$61,156
Expenses
$61,368
Net income
-$212
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