Civic Intelligence

Visterra Credit Union

990 • Fiscal year 2012 • EIN 95-1803229

Jan 01, 2012 to Dec 31, 2012

Siviq Scores

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

Liabilities / Assets

95th percentile

0.92x

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

2012 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2012

Liabilities / Revenue

95th percentile

17.02x

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

2012 filings • $250M-$1B nonprofits • Source year 2012

Net Margin

68th percentile

16%

Higher net margin than 68% of similar nonprofits.

2012 filings • $250M-$1B nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

5th percentile

-0.8%

Faster asset growth than 5% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2011 to 2012

Revenue Growth

37th percentile

-6.0%

Faster revenue growth than 37% of similar nonprofits.

2012 filings • $250M-$1B nonprofits • Annualized from 2011 to 2012

Assets

Down

$327,074,735

Down $2,705,755 (-0.8%) from 2011

Net Assets

Up

$24,682,988

Up $2,786,798 (+13%) from 2011

Liabilities

Down

$302,391,747

Down $5,492,553 (-1.8%) from 2011

Revenue

Down

$17,765,191

Down $1,143,711 (-6.0%) from 2011

Expenses

Down

$14,924,819

Down $2,024,540 (-12%) from 2011

Net Income

Up

$2,840,372

Up $880,829 (+45%) from 2011

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

2012

Assets$327,074,735
Liabilities$302,391,747
Net Assets$24,682,988

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

2012

Revenue$17,765,191
Expenses$14,924,819
Net Income$2,840,372
Filing Detail Status

This 2012 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, 2012 to Dec 31, 2012
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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