Civic Intelligence

E-Central Credit Union

990 • Fiscal year 2012 • EIN 95-1442156

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 04, 2013

Organization ProfileWWW.ECENTRALCU.ORG

View Organization Page

990 S Fair Oaks Avenue91105
Siviq Scores

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

Liabilities / Assets

27th percentile

0.87x

Higher debt load relative to assets than 27% 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

7th percentile

-2.5%

Faster asset growth than 7% 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 / Assets27th percentile

Assets

Down

$162,577,282

Down $4,112,850 (-2.5%) from 2011

Net Assets

Up

$20,666,252

Up $2,602,684 (+14%) from 2011

Liabilities

Down

$141,911,030

Down $6,715,534 (-4.5%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$6,679,125

Down $632,560 (-8.7%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth7th percentile

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

$200M$150M$100M$50M$0Assets 2010: $170,533,205Liabilities 2010: $154,571,872Net Assets 2010: $15,961,3332010Assets 2011: $166,690,132Liabilities 2011: $148,626,564Net Assets 2011: $18,063,5682011Assets 2012: $162,577,282Liabilities 2012: $141,911,030Net Assets 2012: $20,666,2522012Assets 2013: $161,211,305Liabilities 2013: $136,678,053Net Assets 2013: $24,533,2522013Assets 2014: $158,838,313Liabilities 2014: $132,123,525Net Assets 2014: $26,714,7882014Assets 2015: $158,147,603Liabilities 2015: $130,274,587Net Assets 2015: $27,873,0162015Assets 2016: $159,007,596Liabilities 2016: $130,277,171Net Assets 2016: $28,730,4252016Assets 2017: $157,947,609Liabilities 2017: $128,068,115Net Assets 2017: $29,879,4942017Assets 2018: $159,811,423Liabilities 2018: $129,152,217Net Assets 2018: $30,659,2062018Assets 2019: $168,256,764Liabilities 2019: $136,567,553Net Assets 2019: $31,689,2112019Assets 2020: $187,605,631Liabilities 2020: $155,957,626Net Assets 2020: $31,648,0052020Assets 2021: $193,980,763Liabilities 2021: $161,676,276Net Assets 2021: $32,304,4872021Assets 2022: $182,628,434Liabilities 2022: $148,766,804Net Assets 2022: $33,861,6302022Assets 2023: $172,452,151Liabilities 2023: $134,822,350Net Assets 2023: $37,629,8012023Assets 2024: $169,203,207Liabilities 2024: $130,799,866Net Assets 2024: $38,403,3412024

Highlighted filing

2012

Assets$162,577,282
Liabilities$141,911,030
Net Assets$20,666,252
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $14,680,6602010Expenses 2011: $7,311,6852011Expenses 2012: $6,679,1252012Revenue 2013: $10,491,663Expenses 2013: $6,609,717Net Income 2013: $3,881,9462013Revenue 2014: $9,197,430Expenses 2014: $7,026,197Net Income 2014: $2,171,2332014Revenue 2015: $8,163,647Expenses 2015: $7,004,506Net Income 2015: $1,159,1412015Revenue 2016: $8,114,893Expenses 2016: $7,257,389Net Income 2016: $857,5042016Revenue 2017: $8,612,779Expenses 2017: $7,463,811Net Income 2017: $1,148,9682017Revenue 2018: $8,821,797Expenses 2018: $8,042,041Net Income 2018: $779,7562018Revenue 2019: $9,443,419Expenses 2019: $8,413,414Net Income 2019: $1,030,0052019Revenue 2020: $8,455,835Expenses 2020: $8,497,041Net Income 2020: -$41,2062020Revenue 2021: $8,617,902Expenses 2021: $7,961,420Net Income 2021: $656,4822021Revenue 2022: $8,949,930Expenses 2022: $7,392,790Net Income 2022: $1,557,1402022Revenue 2023: $11,789,670Expenses 2023: $8,021,497Net Income 2023: $3,768,1732023Revenue 2024: $10,617,693Expenses 2024: $8,728,953Net Income 2024: $1,888,7402024

Highlighted filing

2012

Revenue-
Expenses$6,679,125
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 4, 2013
Return Version
2012v2.1
Gross Receipts
$9,282,966
Mission and Program Overview

Mission

E-central credit union is a cooperative, organized for the purpose of promoting thrift and saving among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, e-central credit union conducts its business for the mutual benefit and general welfare of its members with the earning, savings, benefits, or services of the credit union being distributed to its members as patrons.

Major Activities

Activity 2
Offering an atm/debit card service program has allowed e-central credit union to offer checking accounts that are free from monthly service fees and minimum balance requirements. Offering this program service has given e-central credit union the ability to stay competitive with peers and allow the institution to be able to continue to offer members competitive products.
Activity 3
E-central credit union offers free bill pay to its members as part of the overall member benefits. Benefits such as this one have allowed e-central's checking account penetration and totals to increase over the years.
Filing and Contact Details

Filer

EIN
95-1442156
Raw XML AppendixShowing 400 of 473 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/Explanation0FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE LIKELY THAN NOT" OF BEING SUSTAINED "WHEN CHALLENGED" OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEAR ENDED MARCH 31, 2013, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. THE CREDIT UNION IS GENERALLY NOT SUBJECT TO EXAMINATION BY U.S. FEDERAL AUTHORITIES FOR TAX YEARS BEFORE 2009 AND BY STATE TAX AUTHORITIES BEFORE 2008. FOR THE YEAR ENDED MARCH 31, 2013, THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS AND, ACCORDINGLY, HAS NOT RECORDED A LIABILITY FOR THE PAYMENT OF INTEREST OR PENALTIES.
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IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation5F
IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation6F
IRS990ScheduleD/Land/BookValue03285000
IRS990ScheduleD/Land/OtherCostOrOtherBasis03285000
IRS990ScheduleD/LeaseholdImprovements/BookValue0571143
IRS990ScheduleD/LeaseholdImprovements/Depreciation01396547
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis01967690
IRS990ScheduleD/OtherLiabilities/Amount0141285645
IRS990ScheduleD/OtherLiabilities/Description0SHARES AND DEPOSITS
IRS990ScheduleD/TotalOfAmounts0141285645
IRS990ScheduleD/TotalOfBookValueLandBuildings05224069
IRS990ScheduleD/TotalOfBookValueProgramRelated0145757461
IRS990ScheduleJ/BoardOrCommitteeApproval0X
IRS990ScheduleJ/CompensationCommittee0X
IRS990ScheduleJ/CompensationSurvey0X
IRS990ScheduleJ/EquityBasedCompArrangement00
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0205000
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg020000
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg024031
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0MIKE THEODORE
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg015848
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg014249
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/Title0PRESIDENT/CEO
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0279128
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SubstantiationRequired01
IRS990ScheduleJ/SupplementalNonqualRetirePlan00
IRS990ScheduleJ/TravelForCompanions0X
IRS990ScheduleJ/WrittenEmploymentContract0X
IRS990ScheduleJ/WrittenPolicyReTAndEExpenses01
IRS990ScheduleL/LoanTable/ApprovedByBoard01
IRS990ScheduleL/LoanTable/BalanceDue074263
IRS990ScheduleL/LoanTable/Default00
IRS990ScheduleL/LoanTable/LoanFromOrganization0X
IRS990ScheduleL/LoanTable/NamePerson0MIKE THEODORE
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount0152073
IRS990ScheduleL/LoanTable/PurposeOfLoan0MORTGAGE
IRS990ScheduleL/LoanTable/RelationshipWithOrganization0OFFICER
IRS990ScheduleL/LoanTable/WrittenAgreement01
IRS990ScheduleL/TotalBalanceDue074263
IRS990ScheduleO/GeneralExplanation/Explanation0E-CENTRAL CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. E-CENTRAL CREDIT UNION DOES NOT HAVE STOCKHOLDERS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE GOVERNING BOARD OF E-CENTRAL CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS.
IRS990ScheduleO/GeneralExplanation/Explanation2AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION.
IRS990ScheduleO/GeneralExplanation/Explanation3EACH BOARD MEMBER SHALL RECEIVE A COMPLETED DRAFT OF THE FORM 990 FOR REVIEW PRIOR TO FILING EACH YEAR.
IRS990ScheduleO/GeneralExplanation/Explanation4E-CENTRAL CU REGULARLY MONITORS AND ENFORCES COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY. ON AN ANNUAL BASIS THE CONFLICT OF INTEREST POLICY IS REVIEWED AND A COPY IS PROVIDED TO EMPLOYEES. ALL EMPLOYEES ARE REQUIRED TO READ AND SIGN THE RECEIPT OF THE CONFLICT OF INTEREST POLICY. AS PART OF THAT REVIEW, ALL EMPLOYEES ARE TO REPORT TO THEIR MANAGERS OF KNOWN FAMILY MEMBERS THAT HAVE ACCOUNTS WITH THE CU. EMPLOYEES ARE RESTRICTED FROM HAVING ANY ACCESS TO THEIR OR A FAMILY MEMBERS ACCOUNT. THIS IS TESTED ANNUALLY DURING THE COMPLIANCE PORTION OF OUR AUDIT.
IRS990ScheduleO/GeneralExplanation/Explanation5THE PROCESS OF DETERMINING COMPENSATION FOR THE CEO IS REVIEWED AND COMPLETED BY THE BOARD, AND THE PROCESS OF DETERMINING COMPENSATION FOR TOP MANAGEMENT OFFICIALS AND KEY EMPLOYEES IS REVIEWED BY THE CEO. THE CUNA SALARY SURVEY IS USED FOR COMPARABILITY FOR INDUSTRY STANDARDS AND REASONABLENESS.
IRS990ScheduleO/GeneralExplanation/Explanation6MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE BUILDING LOBBY AND ALSO MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation7THE ORGANIZATION HAS NOT CHANGED EITHER ITS SELECTION PROCESS OR OVERSIGHT PROCESS DURING THE TAX YEAR.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART XII, LINE 2C:
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0CA
IRS990/StatesWhereCopyOfReturnIsFiled0CA
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10990 S FAIR OAKS AVE

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
$162,577,282
Liabilities
$141,911,030
Net assets
$20,666,252
Revenue
-
Expenses
$6,679,125
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$169$131$38.4$10.6$8.73$1.89
2023Detailed filing. Detailed filing data is available for this year.$172$135$37.6$11.8$8.02$3.77
2022Detailed filing. Detailed filing data is available for this year.$183$149$33.9$8.95$7.39$1.56
2021Detailed filing. Detailed filing data is available for this year.$194$162$32.3$8.62$7.96$0.66
2020Detailed filing. Detailed filing data is available for this year.$188$156$31.6$8.46$8.50$0.04
2019Detailed filing. Detailed filing data is available for this year.$168$137$31.7$9.44$8.41$1.03
2018Detailed filing. Detailed filing data is available for this year.$160$129$30.7$8.82$8.04$0.78
2017Detailed filing. Detailed filing data is available for this year.$158$128$29.9$8.61$7.46$1.15
2016Detailed filing. Detailed filing data is available for this year.$159$130$28.7$8.11$7.26$0.86
2015Detailed filing. Detailed filing data is available for this year.$158$130$27.9$8.16$7.00$1.16
2014Detailed filing. Detailed filing data is available for this year.$159$132$26.7$9.20$7.03$2.17
2013Detailed filing. Detailed filing data is available for this year.$161$137$24.5$10.5$6.61$3.88
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$163$142$20.7$6.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$167$149$18.1$7.31
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$171$155$16.0$14.7
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $100M-$250M nonprofits