Civic Intelligence

Down East Credit Union

990 • Fiscal year 2017 • EIN 01-0213357

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 01, 2018

PO Box 130Baileyville, ME 04694

(800) 427-1223

Siviq Scores

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

Liabilities / Assets

90th percentile

0.92x

Higher debt load relative to assets than 90% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

11th percentile

12.92x

Higher debt load relative to revenue than 11% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

56th percentile

13%

Higher net margin than 56% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

83rd percentile

$308,475

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

83rd percentile

7.7%

Faster asset growth than 83% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Revenue Growth

93rd percentile

21%

Faster revenue growth than 93% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Assets

Up

$177,992,446

Up $12,700,306 (+7.7%) from 2016

Net Assets

Up

$14,313,629

Up $1,645,559 (+13%) from 2016

Liabilities

Up

$163,678,817

Up $11,054,747 (+7.2%) from 2016

Revenue

Up

$12,668,251

Up $2,161,989 (+21%) from 2016

Expenses

Up

$11,022,692

Up $1,952,799 (+22%) from 2016

Net Income

Up

$1,645,559

Up $209,190 (+15%) from 2016

Historical Trend

Balance Sheet Trend

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

$300M$200M$100M$0Assets 2010: $84,410,503Liabilities 2010: $76,446,891Net Assets 2010: $7,963,6122010Assets 2011: $88,519,460Liabilities 2011: $80,040,060Net Assets 2011: $8,479,4002011Assets 2012: $98,143,345Liabilities 2012: $89,005,174Net Assets 2012: $9,138,1712012Assets 2013: $110,022,619Liabilities 2013: $100,010,408Net Assets 2013: $10,012,2112013Assets 2014: $129,260,575Liabilities 2014: $119,044,104Net Assets 2014: $10,216,4712014Assets 2015: $153,275,459Liabilities 2015: $141,796,151Net Assets 2015: $11,479,3082015Assets 2016: $165,292,140Liabilities 2016: $152,624,070Net Assets 2016: $12,668,0702016Assets 2017: $177,992,446Liabilities 2017: $163,678,817Net Assets 2017: $14,313,6292017Assets 2019: $204,294,220Liabilities 2019: $187,240,356Net Assets 2019: $17,053,8642019Assets 2020: $225,778,198Liabilities 2020: $205,774,117Net Assets 2020: $20,004,0812020Assets 2021: $256,516,237Liabilities 2021: $232,537,564Net Assets 2021: $23,978,6732021Assets 2022: $269,624,837Liabilities 2022: $242,272,575Net Assets 2022: $27,352,2622022Assets 2023: $271,299,377Liabilities 2023: $245,220,527Net Assets 2023: $26,078,8502023Assets 2024: $295,430,017Liabilities 2024: $268,741,067Net Assets 2024: $26,688,9502024

Highlighted filing

2017

Assets$177,992,446
Liabilities$163,678,817
Net Assets$14,313,629

Operations Trend

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

$20M$15M$10M$5.0M$0Expenses 2010: $6,175,2432010Expenses 2011: $6,256,7092011Expenses 2012: $6,258,6892012Revenue 2013: $7,608,164Expenses 2013: $6,734,124Net Income 2013: $874,0402013Revenue 2014: $8,106,009Expenses 2014: $7,901,749Net Income 2014: $204,2602014Revenue 2015: $9,250,031Expenses 2015: $7,987,194Net Income 2015: $1,262,8372015Revenue 2016: $10,506,262Expenses 2016: $9,069,893Net Income 2016: $1,436,3692016Revenue 2017: $12,668,251Expenses 2017: $11,022,692Net Income 2017: $1,645,5592017Revenue 2019: $15,438,472Expenses 2019: $14,349,619Net Income 2019: $1,088,8532019Revenue 2020: $15,598,749Expenses 2020: $12,648,532Net Income 2020: $2,950,2172020Revenue 2021: $14,995,471Expenses 2021: $11,020,879Net Income 2021: $3,974,5922021Revenue 2022: $14,151,528Expenses 2022: $10,777,939Net Income 2022: $3,373,5892022Revenue 2023: $16,106,826Expenses 2023: $15,058,388Net Income 2023: $1,048,4382023Revenue 2024: $19,451,826Expenses 2024: $18,841,726Net Income 2024: $610,1002024

Highlighted filing

2017

Revenue$12,668,251
Expenses$11,022,692
Net Income$1,645,559
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 1, 2018
Return Version
2017v2.3
Gross Receipts
$12,668,251
Mission and Program Overview

Mission

To provide financial services, including deposit accounts and loans, to credit union members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$137,292,402$149,674,789▲ $12,382,387
Rtn Earn Endowment Incm Other Fnds$12,668,070$14,313,629▲ $1,645,559
Land, Buildings, and Equipment, Net$6,988,491$7,327,365▲ $338,874
Prepaid Expenses and Deferred Charges$6,160,191$6,546,114▲ $385,923
Cash and Non-Interest-Bearing Accounts$6,266,298$5,661,287▼ $605,011
Investments Other Securities$4,555,772$4,595,038▲ $39,266
Savings and Temporary Cash Investments$342,328$403,878▲ $61,550
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$165,292,140$177,992,446▲ $12,700,306
Other Assets Total$3,686,658$3,783,975▲ $97,317
Liabilities
Other Liabilities$151,545,703$162,205,329▲ $10,659,626
Accounts Payable and Accrued Expenses$1,078,367$1,473,488▲ $395,121
Total Liabilities$152,624,070$163,678,817▲ $11,054,747
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,668,070$14,313,629▲ $1,645,559
Total Liabilities and Net Assets / Fund Balance$165,292,140$177,992,446▲ $12,700,306

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,169,683$1,324,551$5,494,234
Equipment$1,278,215$1,166,127$2,444,342
Land$1,821,153-$1,821,153
Other Land Buildings$58,314$53,666$111,980
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tozier DavidCEOFT$284,565$23,910$308,475
Moses JosephPresidentFT$188,410$75,467$263,877
Daggett DanielPresident Consolidated SolFT$109,637$54,278$163,915
Munsey MelaniePresident Downeast InsuranceFT$97,406$52,915$150,321
Beaulieu BertFormer Vice President of ComplianceFT$102,087$6,753$108,840
Curtis RobertVice Chairman-$6,991-$6,991
Enman JamesDirector-$6,991-$6,991
Manza JosephSecretary-$6,991-$6,991
Pottle MasonChairman-$6,991-$6,991
Whalen MichaelDirector-$6,991-$6,991

Highest Paid Contractors

ContractorServicesLocationCompensation
Andel ConstructionBranch Upgrades23 WASHINGTON STREET SUITE 3, Calais, ME 04619$340,338
FiservReplaced Operating System255 FISERV DRIVE, Brookfield, WI 53045$293,791
SecuradyneUpgrade Camera/security Systems4 THOMAS DRIVE, Westbrook, ME 04092$161,912
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,497,012
Investment Income
$19,966
Other Revenue
$2,151,273
Change in Net Assets
$1,645,559
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,642,151
Salaries, Compensation, and Employee Benefits$5,380,541
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,778,835
Office Expenses---$821,574
Other Employee Benefits---$584,927
Current Officers, Directors, Trustees, and Key Employees---$575,090
Depreciation Depletion---$504,227
Fees for Services Other---$433,989
Occupancy---$404,130
Payroll Taxes---$314,399
Travel---$191,484
Advertising---$188,380
Pension Plan Contributions---$127,290
Fees for Services Accounting---$68,694
Information Technology---$61,901
Insurance---$56,467
Fees for Services Legal---$44,894
Interest---$30,446
Other Expenses---$26,162
All Other Expenses---$12,000
Conferences and Meetings---$5,637
Total Functional Expenses$0$0$0$11,022,692
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
MEMBERS' SHARE ACCOUNTS$162,205,329
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

The organization's members have the right to participate in the organization's governance.

Form 990, Part VI, Section A, Line 7A

Members of the credit union have the authority to elect the organization's governing body.

Form 990, Part VI, Section A, Line 7B

Mergers are subject to approval by members.

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

Management and the board of directors both review a copy of the 990 before it is filed.

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

The organization has a compliance department that monitors and enforces compliance with the conflict of interest policy.

Form 990, Part VI, Section B, Line 15

Compensation for top management officials, other officers, and key employees is determined by both a cuna salary survey and the board of directors. This salary survey is reviewed by the ceo, cfo and vp of hr.

Form 990, Part VI, Section C, Line 19

Financial statements are posted in all branch lobbies for the organization. All other information available upon request.

Filing and Contact Details

Filer

Filer Name
Down East Credit Union
EIN
01-0213357
Phone
8004271223
Address
PO BOX 130, BAILEYVILLE, ME 04694

Signing Officer

Name
Joseph Moses
Title
President
Phone
8004271223
Signed
2018-11-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Tozier
Formed
2006
Legal Domicile
Me
Voting Board Members
5
Independent Board Members
5
Employees
93
Volunteers
7

Preparer

Firm
Albin Randall & Bennett
Address
PO BOX 445 130 MIDDLE STREET, PORTLAND, ME 04112-0445
Preparer
Robin L Cyr
Phone
2077721981
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

The organization has not changed its oversight or selection processes during the tax year.

Raw XML AppendixShowing 400 of 548 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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IRS990/OtherExpensesGrp/Desc1PROVISIONS FOR LOAN LOS
IRS990/OtherExpensesGrp/Desc2BANK SERVICES & CHARGES
IRS990/OtherExpensesGrp/Desc3DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/TotalAmt01059810
IRS990/OtherExpensesGrp/TotalAmt11052047
IRS990/OtherExpensesGrp/TotalAmt2680309
IRS990/OtherExpensesGrp/TotalAmt326162
IRS990/OtherLiabilitiesGrp/BOYAmt0151545703
IRS990/OtherLiabilitiesGrp/EOYAmt0162205329
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1524298
IRS990/OtherRevenueMiscGrp/Desc0SUBSIDIARY FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc1NON-INT INCOME-MEMBERS
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01220789
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1398977
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01680401
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1470872
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0459612
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt171895
IRS990/OtherRevenueTotalAmt02151273
IRS990/OtherSalariesAndWagesGrp/TotalAmt03778835
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0137292402
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0149674789
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0314399
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0127290
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt06160191
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt06546114
IRS990/PrincipalOfficerNm0DAVID TOZIER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INT ON LOANS TO MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2VISA INTERCHANGE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08396567
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11189381
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2843942
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08396567
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11256503
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2843942
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt067122
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt015244
IRS990/PYOtherExpensesAmt04799299
IRS990/PYOtherRevenueAmt01751100
IRS990/PYProgramServiceRevenueAmt08739918
IRS990/PYRevenuesLessExpensesAmt01436369
IRS990/PYSalariesCompEmpBnftPaidAmt04270594
IRS990/PYTotalExpensesAmt09069893
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt010506262
IRS990/ReconcilationRevenueExpnssAmt01645559
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012668070
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014313629
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0342328
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0403878
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04169683
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01324551
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05494234
IRS990ScheduleD/EquipmentGrp/BookValueAmt01278215
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01166127
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02444342
IRS990ScheduleD/LandGrp/BookValueAmt01821153
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01821153
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt058314
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt053666
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0111980
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0162205329
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07327365
IRS990ScheduleD/TotalLiabilityAmt0162205329
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0188410
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1284565
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2109637
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt397406
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount043000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount232296
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount342748
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt05633
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt18394
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt2573
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt33030
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt022546
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt115245
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt221409
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt33600
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt04288
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt1271
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt33537
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MOSES JOSEPH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1TOZIER DAVID
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2DAGGETT DANIEL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3MUNSEY MELANIE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2PRESIDENT CONSOLIDATED SOL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3PRESIDENT DOWNEAST INSURANCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0263877
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1308475
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2163915
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3150321
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt30
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION'S MEMBERS HAVE THE RIGHT TO PARTICIPATE IN THE ORGANIZATION'S GOVERNANCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE ORGANIZATION'S GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MERGERS ARE SUBJECT TO APPROVAL BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT AND THE BOARD OF DIRECTORS BOTH REVIEW A COPY OF THE 990 BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION HAS A COMPLIANCE DEPARTMENT THAT MONITORS AND ENFORCES COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION FOR TOP MANAGEMENT OFFICIALS, OTHER OFFICERS, AND KEY EMPLOYEES IS DETERMINED BY BOTH A CUNA SALARY SURVEY AND THE BOARD OF DIRECTORS. THIS SALARY SURVEY IS REVIEWED BY THE CEO, CFO AND VP OF HR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN ALL BRANCH LOBBIES FOR THE ORGANIZATION. ALL OTHER INFORMATION AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE ORGANIZATION HAS NOT CHANGED ITS OVERSIGHT OR SELECTION PROCESSES DURING THE TAX YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2C:
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$295$269$26.7$19.5$18.8$0.61
2023Detailed filing. Detailed filing data is available for this year.$271$245$26.1$16.1$15.1$1.05
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$270$242$27.4$14.2$10.8$3.37
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$257$233$24.0$15.0$11.0$3.97
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$226$206$20.0$15.6$12.6$2.95
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$204$187$17.1$15.4$14.3$1.09
2017Detailed filing. Detailed filing data is available for this year.$178$164$14.3$12.7$11.0$1.65
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$165$153$12.7$10.5$9.07$1.44
2015Detailed filing. Detailed filing data is available for this year.$153$142$11.5$9.25$7.99$1.26
2014Detailed filing. Detailed filing data is available for this year.$129$119$10.2$8.11$7.90$0.20
2013Detailed filing. Detailed filing data is available for this year.$110$100$10.0$7.61$6.73$0.87
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$98.1$89.0$9.14$6.26
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$88.5$80.0$8.48$6.26
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$84.4$76.4$7.96$6.18