Civic Intelligence

White River Credit Union

990 • Fiscal year 2020 • EIN 03-0182263

Jan 01, 2020 to Dec 31, 2020 • Filed on Jul 20, 2021

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

95th percentile

0.93x

Higher debt load relative to assets than 95% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Liabilities / Revenue

57th percentile

22.92x

Higher debt load relative to revenue than 57% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Net Margin

51st percentile

9.6%

Higher net margin than 51% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Top Officer Pay

63rd percentile

$116,493

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 6.0% of source-year revenue.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Asset Growth

97th percentile

26%

Faster asset growth than 97% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2019 to 2020

Revenue Growth

51st percentile

-5.4%

Faster revenue growth than 51% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets95th percentile

Assets

Up

$47,845,959

Up $9,950,116 (+26%) from 2019

Net Assets

Up

$3,454,533

Up $216,696 (+6.7%) from 2019

Liabilities

Up

$44,391,426

Up $9,733,420 (+28%) from 2019

Revenue And Expenses
Liabilities / Revenue57th percentileNet Margin51st percentile

Revenue

Down

$1,936,617

Down $110,389 (-5.4%) from 2019

Expenses

Down

$1,750,026

Down $96,462 (-5.2%) from 2019

Net Income

Down

$186,591

Down $13,927 (-6.9%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth97th 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

2020

Assets$47,845,959
Liabilities$44,391,426
Net Assets$3,454,533
Open 2020 Filing

Operations Trend

Revenue Growth51st 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

2020

Revenue$1,936,617
Expenses$1,750,026
Net Income$186,591
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Jul 20, 2021
Return Version
2020v4.0
Gross Receipts
$1,970,524
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$26,368,133$25,250,417▼ $1,117,716
Savings and Temporary Cash Investments$8,670,496$19,800,377▲ $11,129,881
Rtn Earn Endowment Incm Other Fnds$3,237,837$3,454,533▲ $216,696
Cash and Non-Interest-Bearing Accounts$1,207,344$1,250,682▲ $43,338
Land, Buildings, and Equipment, Net$996,406$953,810▼ $42,596
Receivables From Officers Etc$253,945$200,179▼ $53,766
Prepaid Expenses and Deferred Charges$65,430$43,197▼ $22,233
Accounts Receivable$5,361$7,768▲ $2,407
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$37,895,843$47,845,959▲ $9,950,116
Other Assets Total$328,728$339,529▲ $10,801
Liabilities
Other Liabilities$34,159,763$43,316,031▲ $9,156,268
Accounts Payable and Accrued Expenses$498,243$1,075,395▲ $577,152
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$34,658,006$44,391,426▲ $9,733,420
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,237,837$3,454,533▲ $216,696
Total Liabilities and Net Assets / Fund Balance$37,895,843$47,845,959▲ $9,950,116

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$712,621$957,734$1,670,355
Equipment$132,913$600,459$733,372
Land$108,276-$108,276
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Wanda DunhamCEOFT$116,493$116,493

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
$1,805,211
Investment Income
$144,188
Other Revenue
$-12,782
Change in Net Assets
$186,591
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$882,265
Salaries, Compensation, and Employee Benefits$867,761
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$563,113
Office Expenses---$300,347
Current Officers, Directors, Trustees, and Key Employees---$116,493
Other Employee Benefits---$110,490
Information Technology---$94,673
Other Expenses---$94,593
Depreciation Depletion---$94,176
Occupancy---$78,733
Payroll Taxes---$60,944
Fees for Services Accounting---$48,546
Insurance---$43,321
Pension Plan Contributions---$16,721
Advertising---$8,474
Travel---$1,801
Fees for Services Legal---$1,187
Conferences and Meetings---$690
All Other Expenses---$-470
Total Functional Expenses$0$0$0$1,750,026
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$253,945$200,179▼ $53,766
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$43,315,853
Dividends Payable$10
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 4,286 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 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

“The Board of Directors conducts an annual 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
2021-07-20

Organization Details

Principal Officer
Wanda H Dunham
Formed
1947
Legal Domicile
Vt
Voting Board Members
7
Independent Board Members
7
Employees
19
Volunteers
10
Raw XML AppendixShowing 400 of 593 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/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/BOYAmt0996406
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0953810
IRS990/LandBldgEquipCostOrOtherBssAmt02512003
IRS990/LegalDomicileStateCd0VT
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt05150
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt028757
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
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/NetAssetsOrFundBalancesBOYAmt03237837
IRS990/NetAssetsOrFundBalancesEOYAmt03454533
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
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/RelatedOrExemptFuncIncomeAmt0-12782
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-12782
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt030105
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt078733
IRS990/OfficeExpensesGrp/TotalAmt0300347
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0328728
IRS990/OtherAssetsTotalGrp/EOYAmt0339529
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0110490
IRS990/OtherExpensesGrp/Desc0Dues
IRS990/OtherExpensesGrp/Desc1Dividends paid to Members
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expense
IRS990/OtherExpensesGrp/TotalAmt010231
IRS990/OtherExpensesGrp/TotalAmt1105963
IRS990/OtherExpensesGrp/TotalAmt294593
IRS990/OtherLiabilitiesGrp/BOYAmt034159763
IRS990/OtherLiabilitiesGrp/EOYAmt043316031
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0563113
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt026368133
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt025250417
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt060944
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt016721
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt065430
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt043197
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/RelatedOrExemptFuncIncomeAmt01388807
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1385003
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt231401
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01388807
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1385003
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt231401
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0189104
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0914103
IRS990/PYOtherRevenueAmt0-15493
IRS990/PYProgramServiceRevenueAmt01873395
IRS990/PYRevenuesLessExpensesAmt0200518
IRS990/PYSalariesCompEmpBnftPaidAmt0932385
IRS990/PYTotalExpensesAmt01846488
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02047006
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0253945
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0200179
IRS990/ReconcilationRevenueExpnssAmt0186591
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt0-12782
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/BOYAmt03237837
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03454533
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08670496
IRS990/SavingsAndTempCashInvstGrp/EOYAmt019800377
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0712621
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0957734
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01670355
IRS990ScheduleD/EquipmentGrp/BookValueAmt0132913
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0600459
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0733372
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt0168
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/Amt010
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt143315853
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Dividends Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Member Share Savings & Term Share Certificates
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0953810
IRS990ScheduleD/TotalLiabilityAmt043316031
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01234
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1329
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt22532
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt359664
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt41919
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt52006
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt620083
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt715163
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt859916
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt98715
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1024348
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt114270
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$47,845,959
Liabilities
$44,391,426
Net assets
$3,454,533
Revenue
$1,936,617
Expenses
$1,750,026
Net income
$186,591
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