Civic Intelligence

White River Credit Union

990 • Fiscal year 2014 • EIN 03-0182263

Jan 01, 2014 to Dec 31, 2014 • Filed on Aug 14, 2015

Organization Profilewww.whitercu.com

View Organization Page

96 N Main StPO Box 419Rochester, VT 05767-0419

(802) 767-3333

Siviq Scores

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

Liabilities / Assets

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

29th percentile

17.03x

Higher debt load relative to revenue than 29% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

11th percentile

-6.3%

Higher net margin than 11% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

7th percentile

$0

Higher top officer pay than 7% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

85th percentile

6.3%

Faster asset growth than 85% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

44th percentile

-1.4%

Faster revenue growth than 44% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$33,275,183

Up $1,980,315 (+6.3%) from 2013

Net Assets

Down

$3,063,799

Down $120,913 (-3.8%) from 2013

Liabilities

Up

$30,211,384

Up $2,101,228 (+7.5%) from 2013

Revenue And Expenses
Liabilities / Revenue29th percentileNet Margin11th percentile

Revenue

Down

$1,774,522

Down $24,746 (-1.4%) from 2013

Expenses

Up

$1,886,493

Up $38,068 (+2.1%) from 2013

Net Income

Down

-$111,971

Down $62,814 (-128%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth85th percentile

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

$60M$40M$20M$0Assets 2010: $26,892,569Liabilities 2010: $23,779,143Net Assets 2010: $3,113,4262010Assets 2011: $29,994,485Liabilities 2011: $26,830,301Net Assets 2011: $3,164,1842011Assets 2012: $29,993,599Liabilities 2012: $26,754,077Net Assets 2012: $3,239,5222012Assets 2013: $31,294,868Liabilities 2013: $28,110,156Net Assets 2013: $3,184,7122013Assets 2014: $33,275,183Liabilities 2014: $30,211,384Net Assets 2014: $3,063,7992014Assets 2015: $33,981,908Liabilities 2015: $31,229,197Net Assets 2015: $2,752,7112015Assets 2016: $35,971,102Liabilities 2016: $33,181,749Net Assets 2016: $2,789,3532016Assets 2017: $36,648,289Liabilities 2017: $33,840,467Net Assets 2017: $2,807,8222017Assets 2018: $36,554,111Liabilities 2018: $33,582,461Net Assets 2018: $2,971,6502018Assets 2019: $37,895,843Liabilities 2019: $34,658,006Net Assets 2019: $3,237,8372019Assets 2020: $47,845,959Liabilities 2020: $44,391,426Net Assets 2020: $3,454,5332020Assets 2021: $51,254,267Liabilities 2021: $47,605,902Net Assets 2021: $3,648,3652021Assets 2022: $51,325,995Liabilities 2022: $47,758,024Net Assets 2022: $3,567,9712022Assets 2023: $49,314,071Liabilities 2023: $44,698,032Net Assets 2023: $4,616,0392023Assets 2024: $49,498,527Liabilities 2024: $43,647,570Net Assets 2024: $5,850,9572024Assets 2025: $0Liabilities 2025: $0Net Assets 2025: $02025

Highlighted filing

2014

Assets$33,275,183
Liabilities$30,211,384
Net Assets$3,063,799
Open 2014 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$0-$1.0MExpenses 2010: $1,650,8192010Expenses 2011: $1,669,8222011Revenue 2012: $1,792,314Expenses 2012: $1,722,302Net Income 2012: $70,0122012Revenue 2013: $1,799,268Expenses 2013: $1,848,425Net Income 2013: -$49,1572013Revenue 2014: $1,774,522Expenses 2014: $1,886,493Net Income 2014: -$111,9712014Revenue 2015: $1,667,245Expenses 2015: $1,971,689Net Income 2015: -$304,4442015Revenue 2016: $1,754,566Expenses 2016: $1,737,418Net Income 2016: $17,1482016Revenue 2017: $1,761,513Expenses 2017: $1,713,171Net Income 2017: $48,3422017Revenue 2018: $1,909,475Expenses 2018: $1,744,339Net Income 2018: $165,1362018Revenue 2019: $2,047,006Expenses 2019: $1,846,488Net Income 2019: $200,5182019Revenue 2020: $1,936,617Expenses 2020: $1,750,026Net Income 2020: $186,5912020Revenue 2021: $1,928,029Expenses 2021: $1,638,616Net Income 2021: $289,4132021Revenue 2022: $2,078,194Expenses 2022: $1,857,104Net Income 2022: $221,0902022Revenue 2023: $2,684,547Expenses 2023: $1,850,339Net Income 2023: $834,2082023Revenue 2024: $3,081,241Expenses 2024: $2,069,462Net Income 2024: $1,011,7792024Revenue 2025: $2,802,398Expenses 2025: $2,644,890Net Income 2025: $157,5082025

Highlighted filing

2014

Revenue$1,774,522
Expenses$1,886,493
Net Income-$111,971
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Aug 14, 2015
Return Version
2014v5.0
Gross Receipts
$1,899,618
Mission and Program Overview

Mission

White River Credit Union is a member-owned financial institution providing varied financial services to members in a convenient and personal manner while maintaining long-term financial safety and stability.

White River Credit Union is a member-owned financial institution providing varied financial services to members in a convenient and personal manner, while maintaining long-term financial safety and stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$24,617,656$23,394,173▼ $1,223,483
Savings and Temporary Cash Investments$3,985,615$7,053,238▲ $3,067,623
Rtn Earn Endowment Incm Other Fnds$3,184,712$3,063,799▼ $120,913
Land, Buildings, and Equipment, Net$1,303,249$1,241,365▼ $61,884
Cash and Non-Interest-Bearing Accounts$1,044,221$1,205,687▲ $161,466
Prepaid Expenses and Deferred Charges$81,309$64,057▼ $17,252
Accounts Receivable$3,178$14,265▲ $11,087
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$31,294,868$33,275,183▲ $1,980,315
Other Assets Total$259,640$302,398▲ $42,758
Liabilities
Other Liabilities$27,809,354$29,757,416▲ $1,948,062
Accounts Payable and Accrued Expenses$300,802$453,968▲ $153,166
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$28,110,156$30,211,384▲ $2,101,228
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,184,712$3,063,799▼ $120,913
Total Liabilities and Net Assets / Fund Balance$31,294,868$33,275,183▲ $1,980,315

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$942,056$684,929$1,626,985
Equipment$191,033$528,625$719,658
Land$108,276-$108,276
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay7th percentile

Board Members and Trustees

NameTitle
Nancy HarveyChairperson, Board of Directors
Allen JohnsonVice-Chairperson, Board of Directors
Christi BollmanBoard Member
David HuntBoard Member
Richard HarveyBoard Member
Priscilla BakerSecretary, Board of Directors
Donald CrickardTreasurer, Board of Directors
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,772,075
Investment Income
$16,068
Other Revenue
$-13,621
All Other Contributions
$0
Change in Net Assets
$-111,971
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$986,175
Salaries, Compensation, and Employee Benefits$900,318
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$694,717
Office Expenses---$252,598
Other Employee Benefits---$132,070
Depreciation Depletion---$97,737
Occupancy---$84,628
Other Expenses---$82,897
Information Technology---$70,526
Insurance---$49,854
Payroll Taxes---$45,708
Fees for Services Accounting---$35,765
Pension Plan Contributions---$27,823
Advertising---$27,689
All Other Expenses---$15,444
Conferences and Meetings---$7,322
Travel---$6,598
Fees for Services Legal---$4,946
Total Functional Expenses$0$0$0$1,886,493
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Savings & Term Share Certificates$29,747,827
Acrued Expense$8,241
Taxes Payable$1,015
Dividends Payable$20
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
No
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 2

“One of the Directors is the father of the CEO. He took no part in the hiring of the CEO, and does not take part in any personnel-related matters of the CEO.”

Form 990, Part VI, Section A, Line 6

“The organization is a community based credit union. The credit union currently serves 5,323 Members.”

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

“The organization is a credit union made up of Members of the community. The Members elect the slate of the Board of Directors.”

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

“The credit union holds an annual meeting of its Members. At this meeting, the Membership votes to empower the Board of Directors with certain powers.”

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

“Prior to the submission of the Form 990 to the IRS, it is reviewed by the Board of Directors at one of their monthly meetings.”

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

“The Board of Directors and Executive Management continuously and conscientiously strive to use vendors that meet the standards of this policy.”

Form 990, Part VI, Section B, Line 15

“Each year, the Board of Directors conducts a performance review of the CEO. They also review the industry salary and benefit packages for a CEO. The Board of Directors sets the salary package for the upcoming year for the CEO. This process was completed in December 2014 for the year 2015.”

Form 990, Part VI, Section C, Line 19

“The White River Credit Union makes its governing documents and conflict of interest policy available to the public upon request. Monthly financial statements are posted in each branch office's lobby and are also available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
White River Credit Union
EIN
03-0182263
Phone
8027673333
Address
96 N Main St, PO Box 419, ROCHESTER, VT 05767-0419

Signing Officer

Name
Wanda Dunham
Title
CEO/President
Phone
8027673333
Signed
2015-08-14

Organization Details

Principal Officer
Wanda H Dunham
Formed
1947
Legal Domicile
Vt
Voting Board Members
7
Independent Board Members
7
Employees
21
Volunteers
13
Supplemental Narrative

Additional Explanations

Form 990, Part V, Line 3B

“We have filed, and received confirmation of, an extension for the filing of this form until November 15, 2015.”

Raw XML AppendixShowing 400 of 634 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/LandBldgEquipAccumDeprecAmt01213554
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01303249
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01241365
IRS990/LandBldgEquipCostOrOtherBssAmt02454919
IRS990/LegalDomicileStateCd0VT
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt071000
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt054096
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembershipDuesAmt00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt00
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0White River Credit Union is a member-owned financial institution providing varied financial services to members in a convenient and personal manner, while maintaining long-term financial safety and stability.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt03184712
IRS990/NetAssetsOrFundBalancesEOYAmt03063799
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-10690
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-10690
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeFromGamingGrp/ExclusionAmt00
IRS990/NetIncomeFromGamingGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeOrLossGrp/ExclusionAmt00
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt0-13621
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-13621
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-8942
IRS990/NoncashContributionsAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt084628
IRS990/OfficeExpensesGrp/TotalAmt0252598
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0259640
IRS990/OtherAssetsTotalGrp/EOYAmt0302398
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0132070
IRS990/OtherExpensesGrp/Desc0Dues
IRS990/OtherExpensesGrp/Desc1Loan Servicing Expense
IRS990/OtherExpensesGrp/Desc2Dividends Paid to Members
IRS990/OtherExpensesGrp/TotalAmt09324
IRS990/OtherExpensesGrp/TotalAmt1240847
IRS990/OtherExpensesGrp/TotalAmt282897
IRS990/OtherLiabilitiesGrp/BOYAmt027809354
IRS990/OtherLiabilitiesGrp/EOYAmt029757416
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0694717
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt024617656
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt023394173
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt045708
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt027823
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt081309
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt064057
IRS990/PrincipalOfficerNm0Wanda H Dunham
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest from Loans
IRS990/ProgramServiceRevenueGrp/Desc1Program Service Fees
IRS990/ProgramServiceRevenueGrp/Desc2Loan Related Insurance Reimb
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01367283
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1390345
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt214447
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01367283
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1390345
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt214447
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt010568
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0905009
IRS990/PYOtherRevenueAmt0-23196
IRS990/PYProgramServiceRevenueAmt01811896
IRS990/PYRevenuesLessExpensesAmt0-49157
IRS990/PYSalariesCompEmpBnftPaidAmt0943416
IRS990/PYTotalExpensesAmt01848425
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01799268
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-111971
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt0-13621
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03184712
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03063799
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03985615
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07053238
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0942056
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0684929
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01626985
IRS990ScheduleD/EquipmentGrp/BookValueAmt0191033
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0528625
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0719658
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt0313
IRS990ScheduleD/LandGrp/BookValueAmt0108276
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0108276
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt020
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11015
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt28241
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt329747827
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Dividends Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Taxes Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Acrued Expense
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Member Share Savings & Term Share Certificates
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01241365
IRS990ScheduleD/TotalLiabilityAmt029757416
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt02935
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt177535
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2165
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt326449
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4903
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt548
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt63910
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt717992
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt82335
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt972097
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt103497

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$33,275,183
Liabilities
$30,211,384
Net assets
$3,063,799
Revenue
$1,774,522
Expenses
$1,886,493
Net income
-$111,971
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$2.80$2.64$0.16
2024Detailed filing. Detailed filing data is available for this year.$49.5$43.6$5.85$3.08$2.07$1.01
2023Detailed filing. Detailed filing data is available for this year.$49.3$44.7$4.62$2.68$1.85$0.83
2022Detailed filing. Detailed filing data is available for this year.$51.3$47.8$3.57$2.08$1.86$0.22
2021Detailed filing. Detailed filing data is available for this year.$51.3$47.6$3.65$1.93$1.64$0.29
2020Detailed filing. Detailed filing data is available for this year.$47.8$44.4$3.45$1.94$1.75$0.19
2019Detailed filing. Detailed filing data is available for this year.$37.9$34.7$3.24$2.05$1.85$0.20
2018Detailed filing. Detailed filing data is available for this year.$36.6$33.6$2.97$1.91$1.74$0.17
2017Detailed filing. Detailed filing data is available for this year.$36.6$33.8$2.81$1.76$1.71$0.05
2016Detailed filing. Detailed filing data is available for this year.$36.0$33.2$2.79$1.75$1.74$0.02
2015Detailed filing. Detailed filing data is available for this year.$34.0$31.2$2.75$1.67$1.97$0.30
2014Detailed filing. Detailed filing data is available for this year.$33.3$30.2$3.06$1.77$1.89$0.11
2013Detailed filing. Detailed filing data is available for this year.$31.3$28.1$3.18$1.80$1.85$0.05
2012Summary only. Only limited summary data is available for this year.$30.0$26.8$3.24$1.79$1.72$0.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.0$26.8$3.16$1.67
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.9$23.8$3.11$1.65