Civic Intelligence

Coast Line Credit Union

990 • Fiscal year 2016 • EIN 01-0146437

Jan 01, 2016 to Dec 31, 2016 • Filed on Aug 29, 2017

Organization ProfileWWW.COASTLINECU.COM

View Organization Page

333 Cottage RoadSouth Portland, ME 04106

(207) 799-7245

Siviq Scores

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

Liabilities / Assets

17th percentile

0.84x

Higher debt load relative to assets than 17% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

82nd percentile

24.43x

Higher debt load relative to revenue than 82% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

94th percentile

26%

Higher net margin than 94% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

75th percentile

$172,222

Higher top officer pay than 75% of similar nonprofits.

Top officer pay equals 9.1% of source-year revenue.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

85th percentile

8.0%

Faster asset growth than 85% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

44th percentile

2.9%

Faster revenue growth than 44% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$54,771,766

Up $4,080,390 (+8.0%) from 2015

Net Assets

Up

$8,741,620

Up $486,716 (+5.9%) from 2015

Liabilities

Up

$46,030,146

Up $3,593,674 (+8.5%) from 2015

Revenue And Expenses
Liabilities / Revenue82nd percentileNet Margin94th percentile

Revenue

Up

$1,883,812

Up $53,310 (+2.9%) from 2015

Expenses

Up

$1,397,096

Up $19,075 (+1.4%) from 2015

Net Income

Up

$486,716

Up $34,235 (+7.6%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth85th percentile

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

$100M$50M$0Assets 2010: $45,205,875Liabilities 2010: $39,093,560Net Assets 2010: $6,112,3152010Assets 2011: $43,425,711Liabilities 2011: $36,875,384Net Assets 2011: $6,550,3272011Assets 2012: $46,698,378Liabilities 2012: $39,733,290Net Assets 2012: $6,965,0882012Assets 2013: $47,001,119Liabilities 2013: $39,658,194Net Assets 2013: $7,342,9252013Assets 2014: $48,739,092Liabilities 2014: $40,936,669Net Assets 2014: $7,802,4232014Assets 2015: $50,691,376Liabilities 2015: $42,436,472Net Assets 2015: $8,254,9042015Assets 2016: $54,771,766Liabilities 2016: $46,030,146Net Assets 2016: $8,741,6202016Assets 2017: $55,301,716Liabilities 2017: $45,973,657Net Assets 2017: $9,328,0592017Assets 2018: $59,065,753Liabilities 2018: $49,014,389Net Assets 2018: $10,051,3642018Assets 2019: $64,394,415Liabilities 2019: $53,611,408Net Assets 2019: $10,783,0072019Assets 2020: $72,344,439Liabilities 2020: $61,100,941Net Assets 2020: $11,243,4982020Assets 2021: $77,623,444Liabilities 2021: $65,702,394Net Assets 2021: $11,921,0502021Assets 2022: $77,978,096Liabilities 2022: $65,351,800Net Assets 2022: $12,626,2962022Assets 2023: $76,152,410Liabilities 2023: $62,225,443Net Assets 2023: $13,926,9672023Assets 2024: $81,599,067Liabilities 2024: $66,460,778Net Assets 2024: $15,138,2892024

Highlighted filing

2016

Assets$54,771,766
Liabilities$46,030,146
Net Assets$8,741,620
Open 2016 Filing

Operations Trend

Revenue Growth44th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $1,777,7532010Expenses 2011: $1,595,0542011Expenses 2012: $1,448,0822012Revenue 2013: $1,801,304Expenses 2013: $1,423,467Net Income 2013: $377,8372013Revenue 2014: $1,820,978Expenses 2014: $1,361,480Net Income 2014: $459,4982014Revenue 2015: $1,830,502Expenses 2015: $1,378,021Net Income 2015: $452,4812015Revenue 2016: $1,883,812Expenses 2016: $1,397,096Net Income 2016: $486,7162016Revenue 2017: $1,954,100Expenses 2017: $1,367,661Net Income 2017: $586,4392017Revenue 2018: $2,185,319Expenses 2018: $1,462,014Net Income 2018: $723,3052018Revenue 2019: $2,464,038Expenses 2019: $1,732,395Net Income 2019: $731,6432019Revenue 2020: $2,325,646Expenses 2020: $1,865,155Net Income 2020: $460,4912020Revenue 2021: $2,170,248Expenses 2021: $1,492,696Net Income 2021: $677,5522021Revenue 2022: $2,350,060Expenses 2022: $1,644,814Net Income 2022: $705,2462022Revenue 2023: $3,414,178Expenses 2023: $2,202,438Net Income 2023: $1,211,7402023Revenue 2024: $3,989,046Expenses 2024: $2,777,724Net Income 2024: $1,211,3222024

Highlighted filing

2016

Revenue$1,883,812
Expenses$1,397,096
Net Income$486,716
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Aug 29, 2017
Return Version
2016v3.0
Gross Receipts
$1,883,812
Mission and Program Overview

Mission

Provide members with savings and affordable loan products.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$34,270,437$34,908,578▲ $638,141
Land, Buildings, and Equipment, Net$1,331,736$1,283,505▼ $48,231
Cash and Non-Interest-Bearing Accounts$535,312$442,796▼ $92,516
Total Assets$50,691,376$54,771,766▲ $4,080,390
Other Assets Total$14,553,891$18,136,887▲ $3,582,996
Liabilities
Other Liabilities$41,830,766$45,564,969▲ $3,734,203
Accounts Payable and Accrued Expenses$605,706$465,177▼ $140,529
Total Liabilities$42,436,472$46,030,146▲ $3,593,674
Net Assets / Fund Balance
Unrestricted Net Assets$8,254,904$8,741,620▲ $486,716
Total Net Assets Fund Balance$8,254,904$8,741,620▲ $486,716
Total Liabilities and Net Assets / Fund Balance$50,691,376$54,771,766▲ $4,080,390

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$999,599$331,985$1,331,584
Other Land Buildings$63,906$301,203$365,109
Land$220,000-$220,000
Other Assets Org$50,000--
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Matthew GriffithsPresidentFT$148,285$23,937$172,222

Board Members and Trustees

NameTitle
Aaron ConnollyChairman
Stephen B RichardVice Chair
Rita D ThompsonBoard Clerk
Robert TracyDirector
Theodore W DesveauxDirector
Theresa HeseltineDirector
DOUGLAS O'DONNELLTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,865,129
Investment Income
$640
Other Revenue
$18,043
Change in Net Assets
$486,716
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$841,698
Salaries, Compensation, and Employee Benefits$555,398
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$304,792--$304,792
Current Officers, Directors, Trustees, and Key Employees$148,285--$148,285
Other Employee Benefits$102,321--$102,321
Advertising$67,815--$67,815
Depreciation Depletion$54,768--$54,768
Interest$52,356--$52,356
Occupancy$43,945--$43,945
Insurance$28,298--$28,298
Travel$12,646--$12,646
Other Expenses$11,806--$11,806
All Other Expenses$11,475--$11,475
Fees for Services Accounting$9,705--$9,705
Fees for Services Other$4,586--$4,586
Fees for Services Legal$683--$683
Total Functional Expenses$1,397,096$0$0$1,397,096
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$42,854,433
FHLB Advances$2,710,536
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 8B

“There were no subcommittees and, therefore, there were no reports.”

Form 990, Part VI, Section B, line 11B

“The board of directors reviews the 990 prior to filing.”

Form 990, Part VI, Section B, line 12C

“The organization's conflict of interest policy is consistently monitored and enforced by management and the board of directors.”

Form 990, Part VI, Section B, line 15A

“The president's salary is determined by the board of directors in a process of comparing the salary to the industry average and evaluating performance.”

Form 990, Part VI, Section C, line 19

“The organizations governing documents, conflict of interest policy, and financial statements are available to the public upon request”

Filing and Contact Details

Filer

Filer Name
Coast Line Credit Union
EIN
01-0146437
Phone
2077997245
Address
333 COTTAGE ROAD, SOUTH PORTLAND, ME 04106

Signing Officer

Name
Matthew Griffiths
Title
President
Phone
2077997245
Signed
2017-08-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Matthew Griffiths
Formed
1927
Legal Domicile
Me
Voting Board Members
7
Independent Board Members
7
Employees
10
Volunteers
0

Preparer

Firm
Ouellette & Associates Pa
Address
1111 LISBON STREET, LEWISTON, ME 04240
Preparer
C Joseph Wolverton Jr CPA
Phone
2077860328
Raw XML AppendixShowing 400 of 469 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0605706
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0465177
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Provide members with savings and affordable loan products.
IRS990/AdvertisingGrp/ProgramServicesAmt067815
IRS990/AdvertisingGrp/TotalAmt067815
IRS990/AllOtherExpensesGrp/ProgramServicesAmt011475
IRS990/AllOtherExpensesGrp/TotalAmt011475
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0MATTHEW GRIFFITHS
IRS990/BooksInCareOfDetail/PhoneNum02077997245
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0333 COTTAGE ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0SOUTH PORTLAND
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0ME
IRS990/BooksInCareOfDetail/USAddress/ZIPCd004106
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt0535312
IRS990/CashNonInterestBearingGrp/EOYAmt0442796
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0148285
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0148285
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0640
IRS990/CYOtherExpensesAmt0841698
IRS990/CYOtherRevenueAmt018043
IRS990/CYProgramServiceRevenueAmt01865129
IRS990/CYRevenuesLessExpensesAmt0486716
IRS990/CYSalariesCompEmpBnftPaidAmt0555398
IRS990/CYTotalExpensesAmt01397096
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01883812
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt054768
IRS990/DepreciationDepletionGrp/TotalAmt054768
IRS990/Desc0The Credit Union has 3,617 members as of December 31, 2016. Members have access to a variety of low cost financial services.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt010
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt01397096
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt09705
IRS990/FeesForServicesAccountingGrp/TotalAmt09705
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt0683
IRS990/FeesForServicesLegalGrp/TotalAmt0683
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt04586
IRS990/FeesForServicesOtherGrp/TotalAmt04586
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0AARON CONNOLLY
IRS990/Form990PartVIISectionAGrp/PersonNm1STEPHEN B RICHARD
IRS990/Form990PartVIISectionAGrp/PersonNm2DOUGLAS O'DONNELL
IRS990/Form990PartVIISectionAGrp/PersonNm3RITA D THOMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm4ROBERT TRACY
IRS990/Form990PartVIISectionAGrp/PersonNm5THERESA HESELTINE
IRS990/Form990PartVIISectionAGrp/PersonNm6THEODORE W DESVEAUX
IRS990/Form990PartVIISectionAGrp/PersonNm7MATTHEW GRIFFITHS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7172222
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD CLERK
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01927
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0640
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0640
IRS990/GrossReceiptsAmt01883812
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ProgramServicesAmt028298
IRS990/InsuranceGrp/TotalAmt028298
IRS990/InterestGrp/ProgramServicesAmt052356
IRS990/InterestGrp/TotalAmt052356
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0637
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0633188
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01331736
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01283505
IRS990/LandBldgEquipCostOrOtherBssAmt01916693
IRS990/LegalDomicileStateCd0ME
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Provide members with savings and affordable loan products.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt08254904
IRS990/NetAssetsOrFundBalancesEOYAmt08741620
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0640
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0640
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt043945
IRS990/OccupancyGrp/TotalAmt043945
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt014553891
IRS990/OtherAssetsTotalGrp/EOYAmt018136887
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0102321
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0102321
IRS990/OtherExpensesGrp/Desc0Office Operations
IRS990/OtherExpensesGrp/Desc1Dividends Paid
IRS990/OtherExpensesGrp/Desc2Loan Servicing
IRS990/OtherExpensesGrp/Desc3Association Dues
IRS990/OtherExpensesGrp/ProgramServicesAmt0347528
IRS990/OtherExpensesGrp/ProgramServicesAmt1168597
IRS990/OtherExpensesGrp/ProgramServicesAmt227490
IRS990/OtherExpensesGrp/ProgramServicesAmt311806
IRS990/OtherExpensesGrp/TotalAmt0347528
IRS990/OtherExpensesGrp/TotalAmt1168597
IRS990/OtherExpensesGrp/TotalAmt227490
IRS990/OtherExpensesGrp/TotalAmt311806
IRS990/OtherLiabilitiesGrp/BOYAmt041830766
IRS990/OtherLiabilitiesGrp/EOYAmt045564969
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt018043
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt018043
IRS990/OtherRevenueTotalAmt018043
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0304792
IRS990/OtherSalariesAndWagesGrp/TotalAmt0304792
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt034270437
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt034908578
IRS990/PartialLiquidationInd00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0MATTHEW GRIFFITHS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN AND INVESTMENT IN
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01560856
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1304273
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01560856
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1304273
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0200
IRS990/PYOtherExpensesAmt0830175
IRS990/PYOtherRevenueAmt013781
IRS990/PYProgramServiceRevenueAmt01816521
IRS990/PYRevenuesLessExpensesAmt0452481
IRS990/PYSalariesCompEmpBnftPaidAmt0547846
IRS990/PYTotalExpensesAmt01378021
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01830502
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0486716
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01883812
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0999599
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0331985
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01331584
IRS990ScheduleD/LandGrp/BookValueAmt0220000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0220000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt034158
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt183890
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt218692
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3379067
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt4125832
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt574403
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt61962222
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt715190623
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt8218000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt950000
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Prepaid Expenses
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1Accrued Interest On Loans
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2Accrued Income on Investments
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3Deposit in NCUSIF
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4Investment Purchased Under 457B
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5FHLB Ideal Way Account
IRS990ScheduleD/OtherAssetsOrgGrp/Desc6Tricorp Overnight Account
IRS990ScheduleD/OtherAssetsOrgGrp/Desc7Certificates of Deposit
IRS990ScheduleD/OtherAssetsOrgGrp/Desc8FHLB Capital Stock
IRS990ScheduleD/OtherAssetsOrgGrp/Desc9Investment in CUSO
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt063906
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0301203
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0365109
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt042854433
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt12710536
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1FHLB Advances
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01283505
IRS990ScheduleD/TotalBookValueOtherAssetsAmt018136887
IRS990ScheduleD/TotalLiabilityAmt045564969
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0148285
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt023937
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MATTHEW GRIFFITHS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0172222
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt221403
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt354120
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt421418
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt544367
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt619978
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0HOME EQUITY LINE OF CREDIT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1OVERDRAFT LINE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2HOME EQUITY LINE OF CREDIT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3HOME EQUITY LINE OF CREDIT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4AUTOMOBILE LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5HOME EQUITY LINE OF CREDIT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6HOME EQUITY LINE OF CREDIT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt232828
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt354162
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt425769
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt587088
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt671000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0MATTHEW GRIFFITHS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1MATTHEW GRIFFITHS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2THERESA HESELTINE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3AARON CONNOLLY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4AARON CONNOLLY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5STEPHEN RICHARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6TROY CHADBOURNE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2SUPERVISORY COMMITTEE MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD OF DIRECTORS MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4BOARD OF DIRECTORS MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5BOARD OF DIRECTORS MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6VICE PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd61
IRS990ScheduleL/TotalBalanceDueAmt0161286
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THERE WERE NO SUBCOMMITTEES AND, THEREFORE, THERE WERE NO REPORTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS REVIEWS THE 990 PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION'S CONFLICT OF INTEREST POLICY IS CONSISTENTLY MONITORED AND ENFORCED BY MANAGEMENT AND THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT'S SALARY IS DETERMINED BY THE BOARD OF DIRECTORS IN A PROCESS OF COMPARING THE SALARY TO THE INDUSTRY AVERAGE AND EVALUATING PERFORMANCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATIONS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt050691376
IRS990/TotalAssetsEOYAmt054771766
IRS990/TotalAssetsGrp/BOYAmt050691376
IRS990/TotalAssetsGrp/EOYAmt054771766
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01397096
IRS990/TotalFunctionalExpensesGrp/TotalAmt01397096

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$54,771,766
Liabilities
$46,030,146
Net assets
$8,741,620
Revenue
$1,883,812
Expenses
$1,397,096
Net income
$486,716
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$81.6$66.5$15.1$3.99$2.78$1.21
2023Detailed filing. Detailed filing data is available for this year.$76.2$62.2$13.9$3.41$2.20$1.21
2022Detailed filing. Detailed filing data is available for this year.$78.0$65.4$12.6$2.35$1.64$0.71
2021Detailed filing. Detailed filing data is available for this year.$77.6$65.7$11.9$2.17$1.49$0.68
2020Detailed filing. Detailed filing data is available for this year.$72.3$61.1$11.2$2.33$1.87$0.46
2019Detailed filing. Detailed filing data is available for this year.$64.4$53.6$10.8$2.46$1.73$0.73
2018Detailed filing. Detailed filing data is available for this year.$59.1$49.0$10.1$2.19$1.46$0.72
2017Detailed filing. Detailed filing data is available for this year.$55.3$46.0$9.33$1.95$1.37$0.59
2016Detailed filing. Detailed filing data is available for this year.$54.8$46.0$8.74$1.88$1.40$0.49
2015Detailed filing. Detailed filing data is available for this year.$50.7$42.4$8.25$1.83$1.38$0.45
2014Detailed filing. Detailed filing data is available for this year.$48.7$40.9$7.80$1.82$1.36$0.46
2013Detailed filing. Detailed filing data is available for this year.$47.0$39.7$7.34$1.80$1.42$0.38
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.7$39.7$6.97$1.45
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.4$36.9$6.55$1.60
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.2$39.1$6.11$1.78