Civic Intelligence

Pacific Marine Credit Union

990 • Fiscal year 2016 • EIN 95-1820763

Jan 01, 2016 to Dec 31, 2016

Oceanside, CA
Siviq Scores

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

Liabilities / Assets

16th percentile

0.86x

Higher debt load relative to assets than 16% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

25th percentile

15.39x

Higher debt load relative to revenue than 25% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

41st percentile

11%

Higher net margin than 41% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2016

Asset Growth

22nd percentile

3.4%

Faster asset growth than 22% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

62nd percentile

9.2%

Faster revenue growth than 62% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Assets

Up

$756,221,835

Up $25,025,034 (+3.4%) from 2015

Net Assets

Up

$105,690,370

Up $2,611,555 (+2.5%) from 2015

Liabilities

Up

$650,531,465

Up $22,413,479 (+3.6%) from 2015

Revenue

Up

$42,280,528

Up $3,560,631 (+9.2%) from 2015

Expenses

Up

$37,602,501

Up $3,428,921 (+10%) from 2015

Net Income

Up

$4,678,027

Up $131,710 (+2.9%) from 2015

Historical Trend

Balance Sheet Trend

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

$1.5B$1.0B$500M$0Assets 2010: $588,209,154Liabilities 2010: $505,307,896Net Assets 2010: $82,901,2582010Assets 2011: $612,012,050Liabilities 2011: $525,414,573Net Assets 2011: $86,597,4772011Assets 2012: $675,742,678Liabilities 2012: $584,260,378Net Assets 2012: $91,482,3002012Assets 2013: $685,528,979Liabilities 2013: $589,946,068Net Assets 2013: $95,582,9112013Assets 2014: $691,989,703Liabilities 2014: $592,334,961Net Assets 2014: $99,654,7422014Assets 2015: $731,196,801Liabilities 2015: $628,117,986Net Assets 2015: $103,078,8152015Assets 2016: $756,221,835Liabilities 2016: $650,531,465Net Assets 2016: $105,690,3702016Assets 2017: $806,163,272Liabilities 2017: $697,500,220Net Assets 2017: $108,663,0522017Assets 2018: $818,777,760Liabilities 2018: $707,794,684Net Assets 2018: $110,983,0762018Assets 2019: $877,279,449Liabilities 2019: $763,449,377Net Assets 2019: $113,830,0722019Assets 2020: $1,079,448,307Liabilities 2020: $958,478,051Net Assets 2020: $120,970,2562020Assets 2021: $1,175,731,855Liabilities 2021: $1,054,154,147Net Assets 2021: $121,577,7082021Assets 2022: $1,358,956,009Liabilities 2022: $1,273,198,596Net Assets 2022: $85,757,4132022Assets 2023: $1,429,880,746Liabilities 2023: $1,332,023,409Net Assets 2023: $97,857,3372023Assets 2024: $1,408,445,733Liabilities 2024: $1,297,085,017Net Assets 2024: $111,360,7162024

Highlighted filing

2016

Assets$756,221,835
Liabilities$650,531,465
Net Assets$105,690,370

Operations Trend

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

$100M$50M$0-$50MExpenses 2010: $32,561,0032010Expenses 2011: $33,716,8822011Expenses 2012: $33,101,5232012Revenue 2013: $38,057,489Expenses 2013: $33,941,428Net Income 2013: $4,116,0612013Revenue 2014: $36,963,311Expenses 2014: $32,867,200Net Income 2014: $4,096,1112014Revenue 2015: $38,719,897Expenses 2015: $34,173,580Net Income 2015: $4,546,3172015Revenue 2016: $42,280,528Expenses 2016: $37,602,501Net Income 2016: $4,678,0272016Revenue 2017: $46,160,561Expenses 2017: $43,514,452Net Income 2017: $2,646,1092017Revenue 2018: $50,684,415Expenses 2018: $46,730,966Net Income 2018: $3,953,4492018Revenue 2019: $53,287,865Expenses 2019: $55,659,320Net Income 2019: -$2,371,4552019Revenue 2020: $55,457,162Expenses 2020: $51,514,512Net Income 2020: $3,942,6502020Revenue 2021: $59,046,912Expenses 2021: $50,684,629Net Income 2021: $8,362,2832021Revenue 2022: $64,162,592Expenses 2022: $58,586,804Net Income 2022: $5,575,7882022Revenue 2023: $81,717,886Expenses 2023: $77,477,619Net Income 2023: $4,240,2672023Revenue 2024: $93,343,572Expenses 2024: $86,086,523Net Income 2024: $7,257,0492024

Highlighted filing

2016

Revenue$42,280,528
Expenses$37,602,501
Net Income$4,678,027
Filing Detail Status

This 2016 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Mission and Program Overview

Mission

Frontwave 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, frontwave 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.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,408$1,297$111$93.3$86.1$7.26
2023Summary only. Only limited summary data is available for this year.$1,430$1,332$97.9$81.7$77.5$4.24
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,359$1,273$85.8$64.2$58.6$5.58
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,176$1,054$122$59.0$50.7$8.36
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,079$958$121$55.5$51.5$3.94
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$877$763$114$53.3$55.7$2.37
2018Summary only. Only limited summary data is available for this year.$819$708$111$50.7$46.7$3.95
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$806$698$109$46.2$43.5$2.65
2016Summary only. Only limited summary data is available for this year.$756$651$106$42.3$37.6$4.68
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$731$628$103$38.7$34.2$4.55
2014Detailed filing. Detailed filing data is available for this year.$692$592$99.7$37.0$32.9$4.10
2013Detailed filing. Detailed filing data is available for this year.$686$590$95.6$38.1$33.9$4.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$676$584$91.5$33.1
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$612$525$86.6$33.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$588$505$82.9$32.6
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2016 filings • 501(c)14 • $250M-$1B nonprofits