Civic Intelligence

White River Credit Union

990 • Fiscal year 2016 • EIN 03-0182263

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 17, 2017

Organization Profilewww.whitercu.com

View Organization Page

96 N Main St PO 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

94th percentile

0.92x

Higher debt load relative to assets than 94% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

40th percentile

18.91x

Higher debt load relative to revenue than 40% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

17th percentile

1.0%

Higher net margin than 17% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

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

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

73rd percentile

5.9%

Faster asset growth than 73% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

65th percentile

5.2%

Faster revenue growth than 65% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets94th percentile

Assets

Up

$35,971,102

Up $1,989,194 (+5.9%) from 2015

Net Assets

Up

$2,789,353

Up $36,642 (+1.3%) from 2015

Liabilities

Up

$33,181,749

Up $1,952,552 (+6.3%) from 2015

Revenue And Expenses
Liabilities / Revenue40th percentileNet Margin17th percentile

Revenue

Up

$1,754,566

Up $87,321 (+5.2%) from 2015

Expenses

Down

$1,737,418

Down $234,271 (-12%) from 2015

Net Income

Up

$17,148

Up $321,592 (+106%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth73rd 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

2016

Assets$35,971,102
Liabilities$33,181,749
Net Assets$2,789,353
Open 2016 Filing

Operations Trend

Revenue Growth65th 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

2016

Revenue$1,754,566
Expenses$1,737,418
Net Income$17,148
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 17, 2017
Return Version
2016v3.0
Gross Receipts
$1,825,490
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$22,875,144$22,871,409▼ $3,735
Savings and Temporary Cash Investments$8,342,735$10,347,699▲ $2,004,964
Rtn Earn Endowment Incm Other Fnds$2,752,711$2,789,353▲ $36,642
Land, Buildings, and Equipment, Net$1,151,298$1,098,627▼ $52,671
Cash and Non-Interest-Bearing Accounts$1,125,750$970,570▼ $155,180
Receivables From Officers Etc$172,506$347,906▲ $175,400
Prepaid Expenses and Deferred Charges$91,356$72,011▼ $19,345
Accounts Receivable$5,565$7,445▲ $1,880
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0--
Investments Program Related$0--
Investments in Publicly Traded Securities$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0--
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$33,981,908$35,971,102▲ $1,989,194
Other Assets Total$217,554$255,435▲ $37,881
Liabilities
Other Liabilities$31,032,553$32,779,883▲ $1,747,330
Accounts Payable and Accrued Expenses$196,644$401,866▲ $205,222
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$31,229,197$33,181,749▲ $1,952,552
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,752,711$2,789,353▲ $36,642
Total Liabilities and Net Assets / Fund Balance$33,981,908$35,971,102▲ $1,989,194

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$858,269$777,215$1,635,484
Equipment$132,082$493,673$625,755
Land$108,276-$108,276
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Nancy HarveyChairperson, Board of Directors
Allen JohnsonVice-Chairperson, Board of Directors
Andrew WestBoard Member
Christi BollmanBoard Member
Diane ShepardBoard Member
Priscilla BakerSecretary, Board of Directors
Donald CrickardTreasurer, Board of Directors
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,671,837
Investment Income
$84,258
Other Revenue
$-1,529
All Other Contributions
$0
Change in Net Assets
$17,148
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$876,201
Other Expenses$861,217
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$689,619
Office Expenses---$275,189
Other Expenses---$186,290
Depreciation Depletion---$101,174
Other Employee Benefits---$90,074
Occupancy---$73,703
Payroll Taxes---$67,561
Information Technology---$65,287
Insurance---$40,133
Pension Plan Contributions---$28,947
Fees for Services Accounting---$28,926
Advertising---$20,454
All Other Expenses---$3,043
Travel---$2,814
Conferences and Meetings---$250
Fees for Services Legal---$18
Total Functional Expenses$0$0$0$1,737,418
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
Receivables from Officers, Directors, Trustees, and Key Employees$172,506$347,906▲ $175,400
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Savings & Term Share Certificates$32,772,433
Accrued Expenses$7,083
Dividends Payable$11
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 is a community based credit union. The credit union currently serves 4,558 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 decisions.”

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”

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
2017-10-17

Organization Details

Principal Officer
Wanda H Dunham
Formed
1947
Legal Domicile
Vt
Voting Board Members
7
Independent Board Members
7
Employees
22
Volunteers
10
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, 2017.”

Raw XML AppendixShowing 400 of 667 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/TitleTxt4Secretary, Board of Directors
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer, Board of Directors
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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/NetAssetsOrFundBalancesBOYAmt02752711
IRS990/NetAssetsOrFundBalancesEOYAmt02789353
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-8751
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-8751
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/RelatedOrExemptFuncIncomeAmt0-1529
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-1529
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt019494
IRS990/NoncashContributionsAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt073703
IRS990/OfficeExpensesGrp/TotalAmt0275189
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0217554
IRS990/OtherAssetsTotalGrp/EOYAmt0255435
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt090074
IRS990/OtherExpensesGrp/Desc0Dues
IRS990/OtherExpensesGrp/Desc1Dividends Paid to Members
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expenses
IRS990/OtherExpensesGrp/TotalAmt08310
IRS990/OtherExpensesGrp/TotalAmt155626
IRS990/OtherExpensesGrp/TotalAmt2186290
IRS990/OtherLiabilitiesGrp/BOYAmt031032553
IRS990/OtherLiabilitiesGrp/EOYAmt032779883
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0689619
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt022875144
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt022871409
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt067561
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt028947
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt091356
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt072011
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/RelatedOrExemptFuncIncomeAmt01259794
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1396753
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt215290
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01259794
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1396753
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt215290
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt011029
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0959806
IRS990/PYOtherRevenueAmt0-10705
IRS990/PYProgramServiceRevenueAmt01666921
IRS990/PYRevenuesLessExpensesAmt0-304444
IRS990/PYSalariesCompEmpBnftPaidAmt01011883
IRS990/PYTotalExpensesAmt01971689
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01667245
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0172506
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0347906
IRS990/ReconcilationRevenueExpnssAmt017148
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt0-1529
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/BOYAmt02752711
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02789353
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08342735
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010347699
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0858269
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0777215
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01635484
IRS990ScheduleD/EquipmentGrp/BookValueAmt0132082
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0493673
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0625755
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt0356
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/Amt011
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt17083
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt232772433
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Dividends Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Expenses
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Member Share Savings & Term Share Certificates
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01098627
IRS990ScheduleD/TotalLiabilityAmt032779883
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt03217
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt18748
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt287875
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3544
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4831
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt51494
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt63420
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt711199
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt817640
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt91076
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1011489
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt113744
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt129942
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1315478
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1444934
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt157527
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1615700
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt175946
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1883780
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1911953

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$35,971,102
Liabilities
$33,181,749
Net assets
$2,789,353
Revenue
$1,754,566
Expenses
$1,737,418
Net income
$17,148
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
Peer Organizations

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