Como Northtown Community Credit Union
Nonprofit profile at a glance
- EIN
- 410693323
- IRS 990 coverage
- 2010–2010
- Forms available
- Form 990 2010
- Location
- Saint Paul, MN, USA
- Phone
- 6514882535
- Rating confidence
- Limited
- Sector
- Credit Unions
Reported finances
- Revenue
- $2,594,303
- Expenses
- $3,638,371
- Assets
- $34,259,556
- Liabilities
- $33,421,165
Source: IRS Form 990. Selected filing: tax year 2010. Amounts in USD.
Leadership & pay
6 people listed
Source: IRS Form 990. Selected filing: tax year 2010. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To conduct the ordinary and necessary busines of a credit union inculding accepting deposits and providing loans to members.
What it reported doing in 2010
Make loans to members for provident and prudent services
Operating model
- Revenue model
- Earned-program. 98% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 78
- Accountability: 70
- Sustainability: 40
- Growth: NotEnoughData
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 77.8%; rating input score 78; 0th percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 66th percentile among comparable filings
- Governance controls: 2 of 7 controls in place; rating input score 29
- Conflict-of-interest policy: Pass
- Whistleblower policy: Fail
- Document-retention policy: Fail
- CEO compensation review process: NotApplicable
- Other executive compensation review process: NotApplicable
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Fail
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: -40.2%; rating input score 3; 3rd percentile among comparable filings
- Total-asset coverage ratio: 9.42; rating input score 90; 90th percentile among comparable filings
- Liabilities to assets ratio: 0.98; rating input score 8; 8th percentile among comparable filings
- Officer compensation ratio: 0%; rating input score 93; 93rd percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: Limited
- Asset growth: Limited
Details
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 7 of 7 board members independent · 2 of 7 filing controls reported
- Programs: 1 filed program accomplishment · $3.6M in reported program spending
- Leadership: top reported pay $0 · 6 people listed
- Consistency: 9 of 11 current checks pass · 2 findings to review
- Schedules: 2 filed schedules
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Accountability: Governance controls: 5 of 7 not reported.
- Moderate — Transparency & Controls: Schedule D land buildings reconciliation did not reconcile in the filed values.
- Moderate — Transparency & Controls: Schedule D other securities reconciliation did not reconcile in the filed values.
- High — Sustainability: Operating margin scored 3/100.
- High — Sustainability: Liabilities to assets ratio scored 8/100.