Civic Intelligence

Usc Credit Union

990 • Fiscal year 2011 • EIN 95-4110181

Jul 01, 2010 to Jun 30, 2011 • Filed on Mar 26, 2012

Organization ProfileWWW.USCCREDITUNION.ORG
3720 S Flower St90089
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.

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

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

17th percentile

1.5%

Faster asset growth than 17% of similar nonprofits.

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

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$329,966,132

Up $4,990,099 (+1.5%) from 2010

Net Assets

Up

$25,122,758

Up $1,054,157 (+4.4%) from 2010

Liabilities

Up

$304,843,374

Up $3,935,942 (+1.3%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$13,980,212

Down $1,204,275 (-7.9%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth17th percentile

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

$800M$600M$400M$200M$0Assets 2010: $324,976,033Liabilities 2010: $300,907,432Net Assets 2010: $24,068,6012010Assets 2011: $329,966,132Liabilities 2011: $304,843,374Net Assets 2011: $25,122,7582011Assets 2012: $358,574,716Liabilities 2012: $331,189,583Net Assets 2012: $27,385,1332012Assets 2013: $370,351,610Liabilities 2013: $340,621,898Net Assets 2013: $29,729,7122013Assets 2014: $391,610,855Liabilities 2014: $359,887,190Net Assets 2014: $31,723,6652014Assets 2015: $410,807,793Liabilities 2015: $376,621,161Net Assets 2015: $34,186,6322015Assets 2016: $447,978,819Liabilities 2016: $412,503,060Net Assets 2016: $35,475,7592016Assets 2017: $494,188,625Liabilities 2017: $455,433,316Net Assets 2017: $38,755,3092017Assets 2018: $521,048,706Liabilities 2018: $477,526,328Net Assets 2018: $43,522,3782018Assets 2019: $570,309,713Liabilities 2019: $521,285,783Net Assets 2019: $49,023,9302019Assets 2020: $658,998,771Liabilities 2020: $606,592,651Net Assets 2020: $52,406,1202020Assets 2021: $740,787,156Liabilities 2021: $686,970,764Net Assets 2021: $53,816,3922021Assets 2022: $754,273,547Liabilities 2022: $710,521,770Net Assets 2022: $43,751,7772022Assets 2023: $741,676,675Liabilities 2023: $699,186,011Net Assets 2023: $42,490,6642023

Highlighted filing

2011

Assets$329,966,132
Liabilities$304,843,374
Net Assets$25,122,758
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$40M$30M$20M$10M$0Expenses 2010: $15,184,4872010Expenses 2011: $13,980,2122011Expenses 2012: $13,211,9412012Revenue 2013: $14,886,821Expenses 2013: $12,542,236Net Income 2013: $2,344,5852013Revenue 2014: $14,423,450Expenses 2014: $12,429,497Net Income 2014: $1,993,9532014Revenue 2015: $15,597,284Expenses 2015: $13,114,775Net Income 2015: $2,482,5092015Revenue 2016: $16,990,886Expenses 2016: $15,713,774Net Income 2016: $1,277,1122016Revenue 2017: $19,918,533Expenses 2017: $16,518,581Net Income 2017: $3,399,9522017Revenue 2018: $24,131,162Expenses 2018: $19,430,356Net Income 2018: $4,700,8062018Revenue 2019: $25,756,718Expenses 2019: $20,292,680Net Income 2019: $5,464,0382019Revenue 2020: $25,520,330Expenses 2020: $22,753,484Net Income 2020: $2,766,8462020Revenue 2021: $22,826,821Expenses 2021: $20,426,302Net Income 2021: $2,400,5192021Revenue 2022: $21,672,643Expenses 2022: $20,738,848Net Income 2022: $933,7952022Revenue 2023: $30,542,999Expenses 2023: $26,026,442Net Income 2023: $4,516,5572023

Highlighted filing

2011

Revenue-
Expenses$13,980,212
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2010 to Jun 30, 2011
Signed
Mar 26, 2012
Return Version
2010v3.4
Gross Receipts
$15,238,258
Mission and Program Overview

Mission

To provide financial services to our core membership, that is the faculty, staff, students and alumni of the university of southern california.

Filing and Contact Details

Filer

EIN
95-4110181
Raw XML AppendixShowing 400 of 526 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg115375
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg214903
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0GARY PEREZ
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson1DAVID BALSAM
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson2MIKE KIM
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg013770
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg113770
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg210864
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IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg10
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg20
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0223079
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg1182895
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg2174798
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs20
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SupplementalNonqualRetirePlan00
IRS990ScheduleO/GeneralExplanation/Explanation0THE ORGANIZATION IS A COOPERATIVE FINANCIAL INSTITUTION THAT HAS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1ANY MEMBER CAN NOMINATE A MEMBER TO THE GOVERNING BODY. THE NOMINEES ARE VOTED ON AT THE ANNUAL MEETING WHICH CAN BE ATTENDED BY ANY MEMBER.
IRS990ScheduleO/GeneralExplanation/Explanation2THE CEO, CFO, AND THE CONTROLLER REVIEW THE FORM 990 AND VERIFY THAT IT IS COMPARABLE TO ACTUAL RESULTS.
IRS990ScheduleO/GeneralExplanation/Explanation3THE CEO'S COMPENSATION IS REVIEWED WITH THE PERSONNEL COMMITTEE (WHICH CONSISTS OF MEMBERS OF THE BOARD). THE VP OF HR PREPARES SURVEY DATA FOR THE COMMITTEE REGARDING CEO PAY AND COMPENSATION FROM THREE SOURCES (TYPICALLY) AND THEN THE COMMITTEE MEETS. THE MEETINGS ARE HELD QUARTERLY. COMPENSATION IS ALSO RESEARCHED FROM THREE DIFFERENT SOURCES FOR THE EXECUTIVE TEAM AND MANAGEMENT TEAM AND THEN A DECISION IS MADE AND APPROVED BY THE CEO. THIS IS DONE ON AN ANNUAL BASIS.
IRS990ScheduleO/GeneralExplanation/Explanation4FINANCIAL STATEMENTS ARE POSTED IN THE ORGANIZATION'S BRANCHES. GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation5PRIOR PERIOD ADJUSTMENTS: -203,889.
IRS990ScheduleO/GeneralExplanation/Explanation6THERE HAS BEEN NO CHANGE IN THE OVERSIGHT PROCESS FOR THE AUDIT OF THE FINANCIAL STATEMENTS OR THE SELECTION OF THE INDEPENDENT AUDITOR.

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$329,966,132
Liabilities
$304,843,374
Net assets
$25,122,758
Revenue
-
Expenses
$13,980,212
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$742$699$42.5$30.5$26.0$4.52
2022Summary only. Only limited summary data is available for this year.$754$711$43.8$21.7$20.7$0.93
2021Summary only. Only limited summary data is available for this year.$741$687$53.8$22.8$20.4$2.40
2020Summary only. Only limited summary data is available for this year.$659$607$52.4$25.5$22.8$2.77
2019Summary only. Only limited summary data is available for this year.$570$521$49.0$25.8$20.3$5.46
2018Summary only. Only limited summary data is available for this year.$521$478$43.5$24.1$19.4$4.70
2017Summary only. Only limited summary data is available for this year.$494$455$38.8$19.9$16.5$3.40
2016Summary only. Only limited summary data is available for this year.$448$413$35.5$17.0$15.7$1.28
2015Summary only. Only limited summary data is available for this year.$411$377$34.2$15.6$13.1$2.48
2014Summary only. Only limited summary data is available for this year.$392$360$31.7$14.4$12.4$1.99
2013Summary only. Only limited summary data is available for this year.$370$341$29.7$14.9$12.5$2.34
2012Summary only. Only limited summary data is available for this year.$359$331$27.4$13.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$330$305$25.1$14.0
2010Summary only. Only limited summary data is available for this year.$325$301$24.1$15.2