Civic Intelligence

Visterra Credit Union

990 • Fiscal year 2011 • EIN 95-1803229

Jan 01, 2011 to Dec 31, 2011

Siviq Scores

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

Liabilities / Assets

97th percentile

0.93x

Higher debt load relative to assets than 97% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2011

Liabilities / Revenue

95th percentile

16.28x

Higher debt load relative to revenue than 95% of similar nonprofits.

2011 filings • $250M-$1B nonprofits • Source year 2011

Net Margin

61st percentile

10%

Higher net margin than 61% of similar nonprofits.

2011 filings • $250M-$1B nonprofits • Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

2nd percentile

-9.0%

Faster asset growth than 2% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2011

Assets

Down

$329,780,490

Down $32,477,658 (-9.0%) from 2010

Net Assets

Up

$21,896,190

Up $1,956,709 (+9.8%) from 2010

Liabilities

Down

$307,884,300

Down $34,434,367 (-10%) from 2010

Revenue

$18,908,902

No earlier filing loaded for comparison.

Expenses

Down

$16,949,359

Down $9,484,493 (-36%) from 2010

Net Income

$1,959,543

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.

$400M$300M$200M$100M$0Assets 2010: $362,258,148Liabilities 2010: $342,318,667Net Assets 2010: $19,939,4812010Assets 2011: $329,780,490Liabilities 2011: $307,884,300Net Assets 2011: $21,896,1902011Assets 2012: $327,074,735Liabilities 2012: $302,391,747Net Assets 2012: $24,682,9882012Assets 2013: $332,790,342Liabilities 2013: $305,947,563Net Assets 2013: $26,842,7792013Assets 2014: $335,609,213Liabilities 2014: $308,565,590Net Assets 2014: $27,043,6232014

Highlighted filing

2011

Assets$329,780,490
Liabilities$307,884,300
Net Assets$21,896,190

Operations Trend

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

$30M$20M$10M$0Expenses 2010: $26,433,8522010Revenue 2011: $18,908,902Expenses 2011: $16,949,359Net Income 2011: $1,959,5432011Revenue 2012: $17,765,191Expenses 2012: $14,924,819Net Income 2012: $2,840,3722012Revenue 2013: $17,056,604Expenses 2013: $14,614,837Net Income 2013: $2,441,7672013Revenue 2014: $17,489,863Expenses 2014: $17,421,317Net Income 2014: $68,5462014

Highlighted filing

2011

Revenue$18,908,902
Expenses$16,949,359
Net Income$1,959,543
Filing Detail Status

This 2011 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

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Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Mission and Program Overview

Mission

Visterra credit union is a cooperative, organized for the purpose of promoting thrift and savings 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, visterra credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons.

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