Civic Intelligence

North County Credit Union

990 • Fiscal year 2012 • EIN 95-3597368

Jan 01, 2012 to Dec 31, 2012 • Filed on May 15, 2013

Organization Profilewww.northcountycu.org

View Organization Page

PO Box 28901492198
Siviq Scores

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

Liabilities / Assets

88th percentile

0.92x

Higher debt load relative to assets than 88% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M 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

37th percentile

3.3%

Faster asset growth than 37% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M 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 / Assets88th percentile

Assets

Up

$58,383,093

Up $1,882,678 (+3.3%) from 2011

Net Assets

Up

$4,635,989

Up $432,722 (+10%) from 2011

Liabilities

Up

$53,747,104

Up $1,449,956 (+2.8%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,905,744

Down $412,742 (-18%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth37th percentile

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

$80M$60M$40M$20M$0Assets 2010: $53,025,000Liabilities 2010: $49,078,781Net Assets 2010: $3,946,2192010Assets 2011: $56,500,415Liabilities 2011: $52,297,148Net Assets 2011: $4,203,2672011Assets 2012: $58,383,093Liabilities 2012: $53,747,104Net Assets 2012: $4,635,9892012Assets 2013: $58,121,452Liabilities 2013: $53,430,049Net Assets 2013: $4,691,4032013Assets 2014: $59,272,110Liabilities 2014: $54,260,688Net Assets 2014: $5,011,4222014Assets 2015: $66,629,004Liabilities 2015: $61,158,122Net Assets 2015: $5,470,8822015Assets 2016: $67,332,239Liabilities 2016: $61,900,989Net Assets 2016: $5,431,2502016Assets 2017: $65,301,460Liabilities 2017: $60,027,143Net Assets 2017: $5,274,3172017Assets 2018: $65,365,552Liabilities 2018: $60,359,314Net Assets 2018: $5,006,2382018Assets 2019: $66,776,007Liabilities 2019: $61,569,722Net Assets 2019: $5,206,2852019Assets 2020: $67,451,228Liabilities 2020: $62,248,980Net Assets 2020: $5,202,2482020Assets 2021: $77,861,263Liabilities 2021: $72,269,039Net Assets 2021: $5,592,2242021Assets 2022: $72,994,364Liabilities 2022: $68,819,217Net Assets 2022: $4,175,1472022Assets 2023: $65,040,107Liabilities 2023: $60,108,308Net Assets 2023: $4,931,7992023Assets 2024: $71,407,607Liabilities 2024: $65,476,767Net Assets 2024: $5,930,8402024

Highlighted filing

2012

Assets$58,383,093
Liabilities$53,747,104
Net Assets$4,635,989
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,656,2832010Expenses 2011: $2,318,4862011Expenses 2012: $1,905,7442012Revenue 2013: $2,345,219Expenses 2013: $1,986,224Net Income 2013: $358,9952013Revenue 2014: $2,295,319Expenses 2014: $2,005,396Net Income 2014: $289,9232014Revenue 2015: $2,241,064Expenses 2015: $2,123,716Net Income 2015: $117,3482015Revenue 2016: $2,401,967Expenses 2016: $2,383,156Net Income 2016: $18,8112016Revenue 2017: $2,483,744Expenses 2017: $2,479,877Net Income 2017: $3,8672017Revenue 2018: $2,604,583Expenses 2018: $2,665,123Net Income 2018: -$60,5402018Revenue 2019: $2,637,919Expenses 2019: $2,642,983Net Income 2019: -$5,0642019Revenue 2020: $2,568,799Expenses 2020: $2,506,557Net Income 2020: $62,2422020Revenue 2021: $2,120,894Expenses 2021: $2,073,758Net Income 2021: $47,1362021Revenue 2022: $2,506,815Expenses 2022: $2,189,659Net Income 2022: $317,1562022Revenue 2023: $2,387,490Expenses 2023: $2,349,642Net Income 2023: $37,8482023Revenue 2024: $2,692,308Expenses 2024: $2,610,156Net Income 2024: $82,1522024

Highlighted filing

2012

Revenue-
Expenses$1,905,744
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 15, 2013
Return Version
2012v2.0
Gross Receipts
$2,503,967
Mission and Program Overview

Mission

Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of North County Credit Union.

Filing and Contact Details

Filer

EIN
95-3597368
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IRS990ScheduleO/GeneralExplanation/Explanation1Annual Review
IRS990ScheduleO/GeneralExplanation/Explanation2Review by the Board
IRS990ScheduleO/GeneralExplanation/Explanation3THE RETURN PREPARER E-MAILS A DRAFT OF THE FORM 990 TO A DESIGNATED OFFICER AND/OR CEO OF THE CREDIT UNION FOR REVIEW. THE DESIGNATED OFFICER AND/OR CEO SENDS A COPY TO THE BOARD OF DIRECTOR (S). THE DESIGNATED INDIVIDUAL(S) REVIEW THE DRAFT AND PRESENT ANY QUESTIONS, COMMENTS, OR CORRECTIONS TO THE RETURN PREPARER. UPON SATISFACTORY COMPLETION OF THE FORM 990, THE ORGANIZATION'S AUTHORIZED INDIVIDUAL SIGNS THE APPROPRIATE SIGNATURE FORM(S) TO AUTHORIZE THE ELECTRONIC FILING OF THE RETURN. A COPY OF THE FORM 990, AS FILED, IS PROVIDED BY THE RETURN PREPARER TO THEORGANIZATION'S CEO OR OTHER DESIGNATED INDIVIDUAL(S).
IRS990ScheduleO/GeneralExplanation/Explanation4Decisions of the governing body are not subject to approval by members but members have the power to vote in a different board at each annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation5Members can elect one or more members of the Board.
IRS990ScheduleO/GeneralExplanation/Explanation6Members
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Line 15b
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 15a
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 11b
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 7b
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990, Part VI, Line 7a

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
$58,383,093
Liabilities
$53,747,104
Net assets
$4,635,989
Revenue
-
Expenses
$1,905,744
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$71.4$65.5$5.93$2.69$2.61$0.08
2023Detailed filing. Detailed filing data is available for this year.$65.0$60.1$4.93$2.39$2.35$0.04
2022Detailed filing. Detailed filing data is available for this year.$73.0$68.8$4.18$2.51$2.19$0.32
2021Detailed filing. Detailed filing data is available for this year.$77.9$72.3$5.59$2.12$2.07$0.05
2020Detailed filing. Detailed filing data is available for this year.$67.5$62.2$5.20$2.57$2.51$0.06
2019Detailed filing. Detailed filing data is available for this year.$66.8$61.6$5.21$2.64$2.64$0.01
2018Detailed filing. Detailed filing data is available for this year.$65.4$60.4$5.01$2.60$2.67$0.06
2017Detailed filing. Detailed filing data is available for this year.$65.3$60.0$5.27$2.48$2.48$0.00
2016Detailed filing. Detailed filing data is available for this year.$67.3$61.9$5.43$2.40$2.38$0.02
2015Detailed filing. Detailed filing data is available for this year.$66.6$61.2$5.47$2.24$2.12$0.12
2014Detailed filing. Detailed filing data is available for this year.$59.3$54.3$5.01$2.30$2.01$0.29
2013Detailed filing. Detailed filing data is available for this year.$58.1$53.4$4.69$2.35$1.99$0.36
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.4$53.7$4.64$1.91
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.5$52.3$4.20$2.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.0$49.1$3.95$2.66