Civic Intelligence

Commonwealth Central Credit Union

990 • Fiscal year 2012 • EIN 94-6087440

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 01, 2013

5890 Silver Creek Valley Rd95138
Siviq Scores

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

Liabilities / Assets

69th percentile

0.91x

Higher debt load relative to assets than 69% 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

81st percentile

9.9%

Faster asset growth than 81% 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.

Assets

Up

$372,585,263

Up $33,582,136 (+9.9%) from 2011

Net Assets

Up

$33,756,582

Up $3,214,967 (+11%) from 2011

Liabilities

Up

$338,828,681

Up $30,367,169 (+9.8%) from 2011

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$14,482,178

Down $233,701 (-1.6%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$800M$600M$400M$200M$0Assets 2010: $318,780,138Liabilities 2010: $292,906,085Net Assets 2010: $25,874,0532010Assets 2011: $339,003,127Liabilities 2011: $308,461,512Net Assets 2011: $30,541,6152011Assets 2012: $372,585,263Liabilities 2012: $338,828,681Net Assets 2012: $33,756,5822012Assets 2013: $399,362,477Liabilities 2013: $362,402,221Net Assets 2013: $36,960,2562013Assets 2014: $419,294,127Liabilities 2014: $378,420,780Net Assets 2014: $40,873,3472014Assets 2015: $455,403,837Liabilities 2015: $412,115,120Net Assets 2015: $43,288,7172015Assets 2016: $478,976,324Liabilities 2016: $434,216,770Net Assets 2016: $44,759,5542016Assets 2017: $503,086,735Liabilities 2017: $455,495,886Net Assets 2017: $47,590,8492017Assets 2018: $515,077,902Liabilities 2018: $463,675,301Net Assets 2018: $51,402,6012018Assets 2019: $530,015,745Liabilities 2019: $474,894,970Net Assets 2019: $55,120,7752019Assets 2020: $628,253,573Liabilities 2020: $572,272,790Net Assets 2020: $55,980,7832020Assets 2021: $681,759,070Liabilities 2021: $623,398,006Net Assets 2021: $58,361,0642021Assets 2022: $672,566,612Liabilities 2022: $610,334,033Net Assets 2022: $62,232,5792022Assets 2023: $631,464,188Liabilities 2023: $559,193,467Net Assets 2023: $72,270,7212023Assets 2024: $614,517,951Liabilities 2024: $534,544,886Net Assets 2024: $79,973,0652024

Highlighted filing

2012

Assets$372,585,263
Liabilities$338,828,681
Net Assets$33,756,582

Operations Trend

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

$40M$30M$20M$10M$0Expenses 2010: $17,524,0432010Expenses 2011: $14,715,8792011Expenses 2012: $14,482,1782012Revenue 2013: $17,355,933Expenses 2013: $12,686,009Net Income 2013: $4,669,9242013Revenue 2014: $17,322,927Expenses 2014: $13,847,276Net Income 2014: $3,475,6512014Revenue 2015: $18,445,013Expenses 2015: $15,747,586Net Income 2015: $2,697,4272015Revenue 2016: $19,510,064Expenses 2016: $17,532,013Net Income 2016: $1,978,0512016Revenue 2017: $20,371,338Expenses 2017: $17,904,405Net Income 2017: $2,466,9332017Revenue 2018: $23,731,127Expenses 2018: $19,909,315Net Income 2018: $3,821,8122018Revenue 2019: $25,504,310Expenses 2019: $22,588,829Net Income 2019: $2,915,4812019Revenue 2020: $22,878,620Expenses 2020: $22,572,712Net Income 2020: $305,9082020Revenue 2021: $22,054,983Expenses 2021: $19,833,281Net Income 2021: $2,221,7022021Revenue 2022: $26,354,115Expenses 2022: $21,401,805Net Income 2022: $4,952,3102022Revenue 2023: $34,445,169Expenses 2023: $23,841,777Net Income 2023: $10,603,3922023Revenue 2024: $33,422,489Expenses 2024: $25,950,221Net Income 2024: $7,472,2682024

Highlighted filing

2012

Revenue-
Expenses$14,482,178
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 1, 2013
Return Version
2012v2.1
Gross Receipts
$17,637,545
Mission and Program Overview

Mission

To promote thrift among and create a source of credit for members.

Filing and Contact Details

Filer

EIN
94-6087440
Raw XML AppendixShowing 400 of 524 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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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES. THE CREDIT UNION IS A TAX-EXEMPT ENTITY UNDER INTERNAL REVENUE CODE 501(C)(14), BUT MAY BE SUBJECT TO TAXATION ON INCOME UNRELATED TO THE CREDIT UNION'S EXEMPT FUNCTION. STATE CHARTERED CREDIT UNIONS SHOULD PAY INCOME TAX ON CERTAIN TYPES OF NET TAXABLE INCOME FROM ACTIVITIES THAT TAXING AUTHORITIES CONSIDER UNRELATED TO THE PURPOSE FOR WHICH THE CREDIT UNION WAS GRANTED NON-TAXABLE STATUS. THE CREDIT UNION HAS FILED UBIT RETURNS (990-T) IN THE PAST, WHICH HAS RESULTED IN NO INCOME TAXES PAID FOR THE YEARS ENDED DECEMBER 31, 2012 AND 2011.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0PART X, LINE 2:
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IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg34893
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg44644
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg54635
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs30
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs40
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs50
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0CRAIG WEBER
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson1HAROLD DEGUZMAN
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson2LISA BROWN
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson3RICHARD SANDENAW
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson4JAMES BOYLE
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson5ED MACHADO
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg016811
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg117428
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg27060
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg313196
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg411724
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg517331
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs30
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs40
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs50
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg10
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg20
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg30
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg40
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg50
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs30
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs40
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs50
IRS990ScheduleJ/Form990ScheduleJPartII/Title0CEO

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$615$535$80.0$33.4$26.0$7.47
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$631$559$72.3$34.4$23.8$10.6
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$673$610$62.2$26.4$21.4$4.95
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$682$623$58.4$22.1$19.8$2.22
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$628$572$56.0$22.9$22.6$0.31
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$530$475$55.1$25.5$22.6$2.92
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$515$464$51.4$23.7$19.9$3.82
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$503$455$47.6$20.4$17.9$2.47
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$479$434$44.8$19.5$17.5$1.98
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$455$412$43.3$18.4$15.7$2.70
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$419$378$40.9$17.3$13.8$3.48
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$399$362$37.0$17.4$12.7$4.67
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$373$339$33.8$14.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$339$308$30.5$14.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$319$293$25.9$17.5