Civic Intelligence

White River Credit Union

990 • Fiscal year 2019 • EIN 03-0182263

Jan 01, 2019 to Dec 31, 2019 • Filed on Jul 14, 2020

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

93rd percentile

0.91x

Higher debt load relative to assets than 93% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Liabilities / Revenue

44th percentile

16.93x

Higher debt load relative to revenue than 44% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Net Margin

43rd percentile

9.8%

Higher net margin than 43% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Top Officer Pay

62nd percentile

$117,645

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 5.7% of source-year revenue.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Asset Growth

64th percentile

3.7%

Faster asset growth than 64% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Revenue Growth

58th percentile

7.2%

Faster revenue growth than 58% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$37,895,843

Up $1,341,732 (+3.7%) from 2018

Net Assets

Up

$3,237,837

Up $266,187 (+9.0%) from 2018

Liabilities

Up

$34,658,006

Up $1,075,545 (+3.2%) from 2018

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin43rd percentile

Revenue

Up

$2,047,006

Up $137,531 (+7.2%) from 2018

Expenses

Up

$1,846,488

Up $102,149 (+5.9%) from 2018

Net Income

Up

$200,518

Up $35,382 (+21%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth64th 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

2019

Assets$37,895,843
Liabilities$34,658,006
Net Assets$3,237,837
Open 2019 Filing

Operations Trend

Revenue Growth58th 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

2019

Revenue$2,047,006
Expenses$1,846,488
Net Income$200,518
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jul 14, 2020
Return Version
2019v5.0
Gross Receipts
$2,094,199
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$25,526,178$26,368,133▲ $841,955
Savings and Temporary Cash Investments$8,181,489$8,670,496▲ $489,007
Rtn Earn Endowment Incm Other Fnds$2,971,650$3,237,837▲ $266,187
Cash and Non-Interest-Bearing Accounts$1,187,894$1,207,344▲ $19,450
Land, Buildings, and Equipment, Net$1,009,099$996,406▼ $12,693
Receivables From Officers Etc$257,219$253,945▼ $3,274
Prepaid Expenses and Deferred Charges$100,375$65,430▼ $34,945
Accounts Receivable$5,824$5,361▼ $463
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$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$36,554,111$37,895,843▲ $1,341,732
Other Assets Total$286,033$328,728▲ $42,695
Liabilities
Other Liabilities$33,175,819$34,159,763▲ $983,944
Accounts Payable and Accrued Expenses$406,642$498,243▲ $91,601
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$33,582,461$34,658,006▲ $1,075,545
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,971,650$3,237,837▲ $266,187
Total Liabilities and Net Assets / Fund Balance$36,554,111$37,895,843▲ $1,341,732

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$729,958$914,385$1,644,343
Equipment$158,172$607,365$765,537
Land$108,276-$108,276
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay62nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Wanda DunhamCEOFT$117,645$117,645

Board Members and Trustees

NameTitle
Nancy HarveyChairperson, Board of Directors
Andrew WestVice Chairperson, Board of Directors
Diane ShepardBoard Member
Jonni SpauldingBoard Member
William J Floyd IIIDirector
Priscilla BakerSecretary, Board of Directors
Donald CrickardTreasurer, Board of Directors
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,873,395
Investment Income
$189,104
Other Revenue
$-15,493
Change in Net Assets
$200,518
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$932,385
Other Expenses$914,103
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$607,316
Office Expenses---$285,701
Current Officers, Directors, Trustees, and Key Employees---$117,645
Other Employee Benefits---$107,537
Depreciation Depletion---$94,394
Information Technology---$93,387
Occupancy---$90,392
Other Expenses---$73,975
Payroll Taxes---$64,859
Fees for Services Accounting---$45,947
Insurance---$43,063
Pension Plan Contributions---$35,028
Advertising---$14,672
All Other Expenses---$8,474
Travel---$4,077
Conferences and Meetings---$902
Fees for Services Legal---$481
Total Functional Expenses$0$0$0$1,846,488
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$257,219$253,945▼ $3,274
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$34,159,209
Dividends Payable$22
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 is a community based credit union (owned by its members). The credit union currently serves 4,357 members.”

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

“The organization is a credit union made up of members of the area communities. These 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 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 pertinent industry data in setting the CEO's and other employees' compensation packages.”

Form 990, Part VI, Section C, Line 19

“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
2020-07-14

Organization Details

Principal Officer
Wanda H Dunham
Formed
1947
Legal Domicile
Vt
Voting Board Members
7
Independent Board Members
7
Employees
17
Volunteers
10
Raw XML AppendixShowing 400 of 658 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/TitleTxt2Chairperson, Board of Directors
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IRS990/LandBldgEquipBasisNetGrp/BOYAmt01009099
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0996406
IRS990/LandBldgEquipCostOrOtherBssAmt02518156
IRS990/LegalDomicileStateCd0VT
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt019500
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt027693
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
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/NetAssetsOrFundBalancesBOYAmt02971650
IRS990/NetAssetsOrFundBalancesEOYAmt03237837
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt05214
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt05214
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/RelatedOrExemptFuncIncomeAmt0-15493
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-15493
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt065669
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt090392
IRS990/OfficeExpensesGrp/TotalAmt0285701
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0286033
IRS990/OtherAssetsTotalGrp/EOYAmt0328728
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0107537
IRS990/OtherExpensesGrp/Desc0Dues
IRS990/OtherExpensesGrp/Desc1Dividends paid to Members
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expense
IRS990/OtherExpensesGrp/TotalAmt08946
IRS990/OtherExpensesGrp/TotalAmt1149692
IRS990/OtherExpensesGrp/TotalAmt273975
IRS990/OtherLiabilitiesGrp/BOYAmt033175819
IRS990/OtherLiabilitiesGrp/EOYAmt034159763
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0607316
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt025526178
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt026368133
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt064859
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt035028
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0100375
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt065430
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 Products
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01423133
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1417975
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt232287
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01423133
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1417975
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt232287
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0135581
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0841962
IRS990/PYOtherRevenueAmt0-12914
IRS990/PYProgramServiceRevenueAmt01786808
IRS990/PYRevenuesLessExpensesAmt0165136
IRS990/PYSalariesCompEmpBnftPaidAmt0902377
IRS990/PYTotalExpensesAmt01744339
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01909475
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0257219
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0253945
IRS990/ReconcilationRevenueExpnssAmt0200518
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt0-15493
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/BOYAmt02971650
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03237837
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08181489
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08670496
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0729958
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0914385
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01644343
IRS990ScheduleD/EquipmentGrp/BookValueAmt0158172
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0607365
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0765537
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt0532
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/Amt022
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt134159209
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Dividends Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Member Share Savings & Term Share Certificates
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0996406
IRS990ScheduleD/TotalLiabilityAmt034159763
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01670
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1400
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2475
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt32519
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt48564
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt563279
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt658
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt74121
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt823761
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt95908
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1010704
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt114623
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt126510
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt13165
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1470234
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1513695
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1619002
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt176204
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt181523
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1910532

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$37,895,843
Liabilities
$34,658,006
Net assets
$3,237,837
Revenue
$2,047,006
Expenses
$1,846,488
Net income
$200,518
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