Civic Intelligence

Cabrillo Credit Union

990 • Fiscal year 2012 • EIN 95-1968774

Jan 01, 2012 to Dec 31, 2012 • Filed on Feb 21, 2012

Organization ProfileWWW.CABRILLOCU.COM

View Organization Page

10075 Carroll Canyon Road92131-1107
Siviq Scores

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

Liabilities / Assets

45th percentile

0.89x

Higher debt load relative to assets than 45% 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

58th percentile

5.8%

Faster asset growth than 58% 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 / Assets45th percentile

Assets

Up

$195,837,100

Up $10,800,501 (+5.8%) from 2011

Net Assets

Up

$21,456,857

Up $3,387,459 (+19%) from 2011

Liabilities

Up

$174,380,243

Up $7,413,042 (+4.4%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$8,453,405

Down $1,084,843 (-11%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth58th percentile

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

$600M$400M$200M$0Assets 2010: $173,158,410Liabilities 2010: $157,425,222Net Assets 2010: $15,733,1882010Assets 2011: $185,036,599Liabilities 2011: $166,967,201Net Assets 2011: $18,069,3982011Assets 2012: $195,837,100Liabilities 2012: $174,380,243Net Assets 2012: $21,456,8572012Assets 2013: $206,761,140Liabilities 2013: $183,121,537Net Assets 2013: $23,639,6032013Assets 2017: $275,446,717Liabilities 2017: $247,453,593Net Assets 2017: $27,993,1242017Assets 2018: $300,409,471Liabilities 2018: $270,092,395Net Assets 2018: $30,317,0762018Assets 2019: $333,188,868Liabilities 2019: $301,004,974Net Assets 2019: $32,183,8942019Assets 2020: $416,519,546Liabilities 2020: $384,614,239Net Assets 2020: $31,905,3072020Assets 2021: $423,725,270Liabilities 2021: $391,865,303Net Assets 2021: $31,859,9672021Assets 2022: $404,914,151Liabilities 2022: $382,562,374Net Assets 2022: $22,351,7772022Assets 2023: $397,739,431Liabilities 2023: $370,017,508Net Assets 2023: $27,721,9232023Assets 2024: $403,210,717Liabilities 2024: $367,948,483Net Assets 2024: $35,262,2342024

Highlighted filing

2012

Assets$195,837,100
Liabilities$174,380,243
Net Assets$21,456,857
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0-$10MExpenses 2010: $12,379,5702010Expenses 2011: $9,538,2482011Expenses 2012: $8,453,4052012Revenue 2013: $11,597,942Expenses 2013: $9,415,196Net Income 2013: $2,182,7462013Revenue 2017: $12,941,777Expenses 2017: $11,895,451Net Income 2017: $1,046,3262017Revenue 2018: $14,755,835Expenses 2018: $12,431,883Net Income 2018: $2,323,9522018Revenue 2019: $17,859,291Expenses 2019: $15,992,473Net Income 2019: $1,866,8182019Revenue 2020: $16,274,606Expenses 2020: $16,709,190Net Income 2020: -$434,5842020Revenue 2021: $15,486,506Expenses 2021: $13,925,693Net Income 2021: $1,560,8132021Revenue 2022: $17,265,058Expenses 2022: $14,914,266Net Income 2022: $2,350,7922022Revenue 2023: $19,750,188Expenses 2023: $18,246,752Net Income 2023: $1,503,4362023Revenue 2024: $27,350,587Expenses 2024: $22,358,878Net Income 2024: $4,991,7092024

Highlighted filing

2012

Revenue-
Expenses$8,453,405
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Feb 21, 2012
Return Version
2012v2.0
Gross Receipts
$11,840,865
Mission and Program Overview

Mission

Non-profit, state-chartered, natural person credit union. Providing competitive, low cost financial services to the members of cabrillo credit union.

Filing and Contact Details

Filer

EIN
95-1968774
Raw XML AppendixShowing 400 of 423 raw XML fields

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IRS990ScheduleO/GeneralExplanation/Explanation0The members are the owners.
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IRS990ScheduleO/GeneralExplanation/Explanation2Some decisions of the governing body are subject to the approval
IRS990ScheduleO/GeneralExplanation/Explanation3of the membership ie mergers and charter changes.
IRS990ScheduleO/GeneralExplanation/Explanation4The CFO prepares a draft of Form 990, the draft is
IRS990ScheduleO/GeneralExplanation/Explanation5reviewed by the CEO and internal auditor. The CEO and
IRS990ScheduleO/GeneralExplanation/Explanation6and internal auditor present any questions, comments
IRS990ScheduleO/GeneralExplanation/Explanation7or corrections to the CFO. Upon satisactory
IRS990ScheduleO/GeneralExplanation/Explanation8completion of the Form 990, the CFO signs and files the return.
IRS990ScheduleO/GeneralExplanation/Explanation9We subscribe to a compensation review with
IRS990ScheduleO/GeneralExplanation/Explanation10Koker, Goodwin & Associates.
IRS990ScheduleO/GeneralExplanation/Explanation11We subscribe to a compensation review with Koeker,
IRS990ScheduleO/GeneralExplanation/Explanation12Goodwin & Associates.
IRS990ScheduleO/GeneralExplanation/Explanation13Financials are posted monthly in the lobby
IRS990ScheduleO/GeneralExplanation/Explanation14of each branch, other documents are available upon request.
IRS990ScheduleO/GeneralExplanation/Explanation15Rounding difference.
IRS990ScheduleO/GeneralExplanation/Explanation16MISC OPERATING EXPENSES
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IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0true
IRS990/UponRequest0X
IRS990/WebSite0www.cabrillocu.com
IRS990/WhistleblowerPolicy0true
IRS990/YearFormation01955
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/Filer/EIN0951968774
ReturnHeader/Filer/Name/BusinessNameLine10CABRILLO CREDIT UNION
ReturnHeader/Filer/NameControl0CABR

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
$195,837,100
Liabilities
$174,380,243
Net assets
$21,456,857
Revenue
-
Expenses
$8,453,405
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$403$368$35.3$27.4$22.4$4.99
2023Detailed filing. Detailed filing data is available for this year.$398$370$27.7$19.8$18.2$1.50
2022Detailed filing. Detailed filing data is available for this year.$405$383$22.4$17.3$14.9$2.35
2021Detailed filing. Detailed filing data is available for this year.$424$392$31.9$15.5$13.9$1.56
2020Detailed filing. Detailed filing data is available for this year.$417$385$31.9$16.3$16.7$0.43
2019Detailed filing. Detailed filing data is available for this year.$333$301$32.2$17.9$16.0$1.87
2018Detailed filing. Detailed filing data is available for this year.$300$270$30.3$14.8$12.4$2.32
2017Detailed filing. Detailed filing data is available for this year.$275$247$28.0$12.9$11.9$1.05
2013Detailed filing. Detailed filing data is available for this year.$207$183$23.6$11.6$9.42$2.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$196$174$21.5$8.45
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$185$167$18.1$9.54
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$173$157$15.7$12.4