Co Op Credit Union
EIN: 390745853 · Black River Falls, WI
| Metric | Value |
|---|---|
| Total Expenses | $9.1M |
| Net Assets | $28.5M |
Is Co Op Credit Union Legit?
Insufficient Data
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
About Co Op Credit Union
Co Op Credit Union (EIN: 390745853) is a nonprofit organization based in Black River Falls, WI. The organization reported total revenue of $0 and total assets of $0 according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Co Op Credit Union's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Co Op Credit Union is a large nonprofit, with 2 years of IRS 990 filings on record (2011–2012). Revenue has grown at a compound annual rate of 1.5%.
Key Financial Metrics (2012)
From the most recent IRS 990 filing on record:
| Total Revenue | $11.7M |
| Total Expenses | $9.1M |
| Surplus / Deficit | +$2.6M |
| Total Assets | $252.9M |
| Total Liabilities | $224.4M |
| Net Assets | $28.5M |
| Operating Margin | 22.0% |
| Debt-to-Asset Ratio | 88.7% |
| Months of Reserves | 332.9 months |
Financial Health Grade: A
In 2012, Co Op Credit Union reported a surplus of $2.6M with revenue exceeding expenses, holds 332.9 months of operating reserves (strong position), has a debt-to-asset ratio of 88.7% (high leverage).
Financial Trends
Over 2 years of filings (2011–2012), Co Op Credit Union's revenue has grown at a compound annual growth rate (CAGR) of 1.5%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2012 | +1.5% | -5.7% | +6.8% |
AI Analysis Pending
AI enrichment for Co Op Credit Union has not yet been completed. Basic IRS 990 data is shown below. Check back later for a full transparency report including a Mission Score, spending breakdown, executive compensation analysis, and red flags assessment.
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Co Op Credit Union with a Mission Score of 0 out of 100 (Very Poor). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Key Financial Metrics (2012)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $2.6M, with revenue exceeding expenses.
- Debt-to-asset ratio: 88.7%.
Frequently Asked Questions about Co Op Credit Union
Is Co Op Credit Union a legitimate charity?
Based on AI analysis of IRS 990 filings, Co Op Credit Union (EIN: 390745853) insufficient data. 0 red flags identified, 0 strengths noted.
How does Co Op Credit Union spend its money?
Detailed spending breakdown data is not yet available for Co Op Credit Union. Check back for updated IRS 990 analysis.
Are donations to Co Op Credit Union tax-deductible?
Co Op Credit Union is registered as a tax-exempt nonprofit (EIN: 390745853). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is Co Op Credit Union located?
Co Op Credit Union is headquartered in Black River Falls, Wisconsin and files with the IRS under EIN 390745853.
How many years of IRS 990 filings does Co Op Credit Union have?
Co Op Credit Union has 2 years of IRS 990 filings on record at NonprofitSpending. Additional filing years may become available as the IRS releases new data.
Filing History
IRS 990 filing history for Co Op Credit Union showing financial trends over 2 years of public records:
Over 2 years of IRS 990 filings (2011–2012), Co Op Credit Union's revenue has grown by 1.5%, moving from $11.5M to $11.7M. Total assets increased by 6.8% over the same period, from $236.8M to $252.9M. Total functional expenses fell by 5.7%, from $9.7M to $9.1M. In its most recent filing year (2012), Co Op Credit Union reported a surplus of $2.6M, with revenue exceeding expenses. The organization holds $224.4M in liabilities against $252.9M in assets (debt-to-asset ratio: 88.7%), resulting in net assets of $28.5M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2012 | $11.7M | $9.1M | $252.9M | $224.4M | — | View 990 |
| 2011 | $11.5M | $9.7M | $236.8M | $210.8M | — | View 990 |
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Co Op Credit Union:
Data Sources and Methodology
This transparency report for Co Op Credit Union is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.