Civic Intelligence

Down East Credit Union

990 • Fiscal year 2019 • EIN 01-0213357

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 27, 2020

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

91st percentile

0.92x

Higher debt load relative to assets than 91% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Liabilities / Revenue

14th percentile

12.13x

Higher debt load relative to revenue than 14% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Net Margin

21st percentile

7.1%

Higher net margin than 21% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Top Officer Pay

80th percentile

$299,434

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Asset Growth

75th percentile

7.1%

Faster asset growth than 75% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2019

Revenue Growth

64th percentile

10%

Faster revenue growth than 64% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2019

Assets

Up

$204,294,220

Up $26,301,774 (+15%) from 2017

Net Assets

Up

$17,053,864

Up $2,740,235 (+19%) from 2017

Liabilities

Up

$187,240,356

Up $23,561,539 (+14%) from 2017

Revenue

Up

$15,438,472

Up $2,770,221 (+22%) from 2017

Expenses

Up

$14,349,619

Up $3,326,927 (+30%) from 2017

Net Income

Down

$1,088,853

Down $556,706 (-34%) from 2017

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

2019

Assets$204,294,220
Liabilities$187,240,356
Net Assets$17,053,864

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

2019

Revenue$15,438,472
Expenses$14,349,619
Net Income$1,088,853
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 27, 2020
Return Version
2019v5.1
Gross Receipts
$15,438,472
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$171,062,067$174,063,597▲ $3,001,530
Rtn Earn Endowment Incm Other Fnds$16,197,629$17,053,864▲ $856,235
Land, Buildings, and Equipment, Net$8,178,479$8,277,885▲ $99,406
Cash and Non-Interest-Bearing Accounts$7,425,941$7,465,493▲ $39,552
Prepaid Expenses and Deferred Charges$7,023,197$6,995,018▼ $28,179
Investments Other Securities$5,583,402$2,964,454▼ $2,618,948
Savings and Temporary Cash Investments$128,985$291,492▲ $162,507
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$203,461,325$204,294,220▲ $832,895
Other Assets Total$4,059,254$4,236,281▲ $177,027
Liabilities
Other Liabilities$185,790,927$186,338,052▲ $547,125
Accounts Payable and Accrued Expenses$1,472,769$902,304▼ $570,465
Total Liabilities$187,263,696$187,240,356▼ $23,340
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,197,629$17,053,864▲ $856,235
Total Liabilities and Net Assets / Fund Balance$203,461,325$204,294,220▲ $832,895

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,909,411$1,499,461$6,408,872
Equipment$1,393,292$1,428,296$2,821,588
Land$1,871,153-$1,871,153
Other Land Buildings$97,573$73,940$171,513
Leasehold Improvements$6,456$93,678$100,134
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Moses JoePresident & CEOFT$263,620$35,814$299,434
Tozier DavidFormer CEO-$288,804-$288,804
Daggett DanAgent- Bay Finl/ Pres of CulaneFT$160,159$47,822$207,981
Munsey MelanieAgent- Bay Finl/ Pres of DeiFT$100,116$82,815$182,931
Lanier ToniaVice President of Branch OperationsFT$130,501$19,347$149,848
Fleming MatthewCFOFT$77,854$19,448$97,302
Curtis RobertVice Chairman-$8,437-$8,437
Manza JosephSecretary-$8,437-$8,437
Pottle MasonChairman-$8,437-$8,437
Whalen MikeDirector-$8,437-$8,437
Enman JamesDirector-$7,775-$7,775

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservOperating System255 FISERV DRIVE, Brookfield, WI 53045$318,274
Andel ConstructionBranch Renovations23 WASHINGTON STREET SUITE 3, Calais, ME 04619$306,561
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$13,239,676
Investment Income
$74,809
Other Revenue
$2,123,987
Change in Net Assets
$1,088,853
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,924,998
Salaries, Compensation, and Employee Benefits$6,424,621
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,520,864
Office Expenses---$1,033,174
Other Employee Benefits---$959,686
Depreciation Depletion---$609,469
Fees for Services Other---$487,610
Occupancy---$406,104
Current Officers, Directors, Trustees, and Key Employees---$399,260
Payroll Taxes---$383,831
Advertising---$215,986
Travel---$173,550
Pension Plan Contributions---$160,980
Fees for Services Accounting---$127,623
Insurance---$92,113
Information Technology---$80,909
Interest---$44,512
Other Expenses---$32,282
Fees for Services Legal---$19,181
All Other Expenses---$12,000
Conferences and Meetings---$8,648
Total Functional Expenses$0$0$0$14,349,619
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$186,338,052
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 35% controlled entity
No
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
Downeast Credit Union
EIN
01-0213357
Phone
8004271223
Address
PO BOX 130, BAILEYVILLE, ME 04694

Signing Officer

Name
Joseph Moses
Title
President/CEO
Phone
8004271223
Signed
2020-10-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joseph Moses
Formed
2006
Legal Domicile
Me
Voting Board Members
5
Independent Board Members
5
Employees
102
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

990, Part XII, Line 2C

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

Raw XML AppendixShowing 400 of 551 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/Form990PartVIISectionAGrp/TitleTxt3AGENT- BAY FINL/ PRES OF DEI
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE PRESIDENT OF BRANCH OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt5CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7VICE CHAIRMAN
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IRS990/OtherExpensesGrp/Desc1PROVISIONS FOR LOAN LOS
IRS990/OtherExpensesGrp/Desc2BANK SERVICES & CHARGES
IRS990/OtherExpensesGrp/Desc3DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/TotalAmt02409016
IRS990/OtherExpensesGrp/TotalAmt11440000
IRS990/OtherExpensesGrp/TotalAmt2732821
IRS990/OtherExpensesGrp/TotalAmt332282
IRS990/OtherLiabilitiesGrp/BOYAmt0185790927
IRS990/OtherLiabilitiesGrp/EOYAmt0186338052
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1524298
IRS990/OtherRevenueMiscGrp/Desc0SUBSIDIARY FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc1NON-INT INCOME-MEMBERS
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0-3203
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1585229
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01438522
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1685465
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt01441725
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt1100236
IRS990/OtherRevenueTotalAmt02123987
IRS990/OtherSalariesAndWagesGrp/TotalAmt04520864
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0171062067
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0174063597
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0383831
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0160980
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt07023197
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt06995018
IRS990/PrincipalOfficerNm0JOSEPH MOSES
IRS990/PriorPeriodAdjustmentsAmt0-232618
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/RelatedOrExemptFuncIncomeAmt010904023
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11148945
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21040403
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt010904023
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11295250
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21040403
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0146305
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt022816
IRS990/PYOtherExpensesAmt05801861
IRS990/PYOtherRevenueAmt02179511
IRS990/PYProgramServiceRevenueAmt011598616
IRS990/PYRevenuesLessExpensesAmt01884000
IRS990/PYSalariesCompEmpBnftPaidAmt06115082
IRS990/PYTotalExpensesAmt011916943
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt013800943
IRS990/ReconcilationRevenueExpnssAmt01088853
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt016197629
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt017053864
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0128985
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0291492
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04909411
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01499461
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06408872
IRS990ScheduleD/EquipmentGrp/BookValueAmt01393292
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01428296
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02821588
IRS990ScheduleD/LandGrp/BookValueAmt01871153
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01871153
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt06456
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt093678
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0100134
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt097573
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt073940
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0171513
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0186338052
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08277885
IRS990ScheduleD/TotalLiabilityAmt0186338052
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0288804
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1263620
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2160159
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3100116
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount218995
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount369983
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/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt110305
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt25010
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt33961
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt125509
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt223817
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt38871
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TOZIER DAVID
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1MOSES JOE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2DAGGETT DAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3MUNSEY MELANIE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0FORMER CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2AGENT- BAY FINL/ PRES OF CULANE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3AGENT- BAY FINL/ PRES OF DEI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0288804
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1299434
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2207981
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3182931
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

Document Assets

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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
2019Detailed filing. Detailed filing data is available for this year.$204$187$17.1$15.4$14.3$1.09
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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