Civic Intelligence

Slo Credit Union

990 • Fiscal year 2012 • EIN 95-6062634

Jan 01, 2012 to Dec 31, 2012 • Filed on May 24, 2013

Organization Profilewww.slocu.com
1220 Osos Street93401
Siviq Scores

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

Liabilities / Assets

15th percentile

0.82x

Higher debt load relative to assets than 15% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M 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

46th percentile

3.6%

Faster asset growth than 46% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M 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 / Assets15th percentile

Assets

Up

$33,387,349

Up $1,145,539 (+3.6%) from 2011

Net Assets

Up

$5,861,291

Up $834,496 (+17%) from 2011

Liabilities

Up

$27,526,058

Up $311,043 (+1.1%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$767,951

Down $59,216 (-7.2%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth46th percentile

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

$40M$30M$20M$10M$0Assets 2010: $32,454,498Liabilities 2010: $27,619,594Net Assets 2010: $4,834,9042010Assets 2011: $32,241,810Liabilities 2011: $27,215,015Net Assets 2011: $5,026,7952011Assets 2012: $33,387,349Liabilities 2012: $27,526,058Net Assets 2012: $5,861,2912012Assets 2013: $34,252,057Liabilities 2013: $28,775,534Net Assets 2013: $5,476,5232013Assets 2014: $33,648,296Liabilities 2014: $28,084,535Net Assets 2014: $5,563,7612014Assets 2015: $33,076,473Liabilities 2015: $27,506,306Net Assets 2015: $5,570,1672015Assets 2016: $32,333,239Liabilities 2016: $26,977,583Net Assets 2016: $5,355,6562016Assets 2017: $33,095,537Liabilities 2017: $27,896,961Net Assets 2017: $5,198,5762017Assets 2018: $32,167,602Liabilities 2018: $27,214,487Net Assets 2018: $4,953,1152018Assets 2019: $32,556,628Liabilities 2019: $27,003,881Net Assets 2019: $5,552,7472019Assets 2020: $36,602,392Liabilities 2020: $30,896,828Net Assets 2020: $5,705,5642020Assets 2021: $39,493,314Liabilities 2021: $34,206,656Net Assets 2021: $5,286,6582021Assets 2022: $37,323,013Liabilities 2022: $33,519,664Net Assets 2022: $3,803,3492022Assets 2023: $35,135,863Liabilities 2023: $30,896,770Net Assets 2023: $4,239,0932023Assets 2024: $33,135,951Liabilities 2024: $28,778,456Net Assets 2024: $4,357,4952024

Highlighted filing

2012

Assets$33,387,349
Liabilities$27,526,058
Net Assets$5,861,291
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $932,4482010Expenses 2011: $827,1672011Expenses 2012: $767,9512012Revenue 2013: $836,025Expenses 2013: $753,784Net Income 2013: $82,2412013Revenue 2014: $794,538Expenses 2014: $711,366Net Income 2014: $83,1722014Revenue 2015: $808,331Expenses 2015: $680,111Net Income 2015: $128,2202015Revenue 2016: $742,779Expenses 2016: $725,251Net Income 2016: $17,5282016Revenue 2017: $780,029Expenses 2017: $812,764Net Income 2017: -$32,7352017Revenue 2018: $805,042Expenses 2018: $847,683Net Income 2018: -$42,6412018Revenue 2019: $858,999Expenses 2019: $859,279Net Income 2019: -$2802019Revenue 2020: $829,615Expenses 2020: $887,546Net Income 2020: -$57,9312020Revenue 2021: $797,995Expenses 2021: $777,531Net Income 2021: $20,4642021Revenue 2022: $990,671Expenses 2022: $865,350Net Income 2022: $125,3212022Revenue 2023: $1,183,395Expenses 2023: $1,165,704Net Income 2023: $17,6912023Revenue 2024: $1,343,991Expenses 2024: $1,622,641Net Income 2024: -$278,6502024

Highlighted filing

2012

Revenue-
Expenses$767,951
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 24, 2013
Return Version
2012v2.0
Gross Receipts
$943,327
Mission and Program Overview

Mission

Non-profit, State-Chartered, Natural Person Credit Union. Provide competitive financial services to the members of SLO Credit Union.

Filing and Contact Details

Filer

EIN
95-6062634
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IRS990ScheduleO/GeneralExplanation/Explanation0GOVERNING DOCUMENTS AND CONFLICT OF INTEREST ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE ACCESSIBLE ONLINE VIA WWW.NCUA.GOV AND UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation1THE FOLLOWING WAS TAKEN INTO CONSIDERATION BY THE HUMAN RESOURCE COMMITTEE IN DEVELOPING EACH EMPLOYEE COMPENSATION: INDUSTRY SALARY SURVEY, ASSET SIZE OF THE CREDIT UNION, EXPERIENCE LEVEL OF THE EMPLOYEE, COST OF LIVING FOR THE GEOGRAPHIC AREA, AND THE CREDIT UNION'S ABILITY TO PAY THE SALARY. ANY SUCCEEDING SALARY INCREASES ARE AT THE DISCRETION OF THE BOARD OF DIRECTORS BASED ON PERFORMANCE AS DOCUMENTED IN THE ANNUAL PERFORMANCE EVALUATION.
IRS990ScheduleO/GeneralExplanation/Explanation2THE SALARY FOR THE CEO COMPENSATION FOR THE FIRST FOUR YEARS IS SET WITHIN THE CEO CONTRACT. THE FOLLOWING WAS TAKEN INTO CONSIDERATION BY THE HUMAN RESOURCE COMMITTEE IN DEVELOPING THE CEO COMPENSATION: INDUSTRY SALARY SURVEY, ASSET SIZE OF THE CREDIT UNION, EXPERIENCE LEVEL OF THE EMPLOYEE, COST OF LIVING FOR THE GEOGRAPHIC AREA, AND THE CREDIT UNION'S ABILITY TO PAY THE SALARY. ANY SUCCEEDING SALARY INCREASES ARE AT THE DISCRETION OF THE BOARD OF DIRECTORS BASED ON PERFORMANCE AS DOCUMENTED IN THE ANNUAL PERFORMANCE EVALUATION.
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/Explanation4Members are entitled to vote in the annual elections of the Board of Directors and on other corporate matters.
IRS990ScheduleO/GeneralExplanation/Explanation5Members are entitled to vote in the annual elections of the Board of Directors and on other corporate matters.
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
IRS990ScheduleO/GeneralExplanation/Identifier6Form 990, Part VI, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
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IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0CA
IRS990/SubjectToProxyTax0false
IRS990/TaxableDistributions0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine101220 Osos Street
IRS990/TheBooksAreInCareOf/AddressUS/City0San Luis Obispo
IRS990/TheBooksAreInCareOf/AddressUS/State0CA
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode093401
IRS990/TheBooksAreInCareOf/NamePerson0Suzanne Leedale
IRS990/TheBooksAreInCareOf/TelephoneNumber08055435839
IRS990/TotalAssets/BOY032241810
IRS990/TotalAssetsBOY032241810
IRS990/TotalAssets/EOY033387349
IRS990/TotalAssetsEOY033387349
IRS990/TotalCompGT150K0false
IRS990/TotalContributions00
IRS990/TotalExpensesCurrentYear0767951
IRS990/TotalExpensesPriorYear0827167
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total0767951
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY027215015
IRS990/TotalLiabilitiesBOY027215015
IRS990/TotalLiabilities/EOY027526058
IRS990/TotalLiabilitiesEOY027526058

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
$33,387,349
Liabilities
$27,526,058
Net assets
$5,861,291
Revenue
-
Expenses
$767,951
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.1$28.8$4.36$1.34$1.62$0.28
2023Detailed filing. Detailed filing data is available for this year.$35.1$30.9$4.24$1.18$1.17$0.02
2022Detailed filing. Detailed filing data is available for this year.$37.3$33.5$3.80$0.99$0.87$0.13
2021Detailed filing. Detailed filing data is available for this year.$39.5$34.2$5.29$0.80$0.78$0.02
2020Detailed filing. Detailed filing data is available for this year.$36.6$30.9$5.71$0.83$0.89$0.06
2019Detailed filing. Detailed filing data is available for this year.$32.6$27.0$5.55$0.86$0.86$0.00
2018Detailed filing. Detailed filing data is available for this year.$32.2$27.2$4.95$0.81$0.85$0.04
2017Detailed filing. Detailed filing data is available for this year.$33.1$27.9$5.20$0.78$0.81$0.03
2016Detailed filing. Detailed filing data is available for this year.$32.3$27.0$5.36$0.74$0.73$0.02
2015Detailed filing. Detailed filing data is available for this year.$33.1$27.5$5.57$0.81$0.68$0.13
2014Detailed filing. Detailed filing data is available for this year.$33.6$28.1$5.56$0.79$0.71$0.08
2013Detailed filing. Detailed filing data is available for this year.$34.3$28.8$5.48$0.84$0.75$0.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.4$27.5$5.86$0.77
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.2$27.2$5.03$0.83
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.5$27.6$4.83$0.93