Liabilities / Assets
85th percentile
Higher debt load relative to assets than 85% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.92x
Liabilities / Revenue
14th percentile
Higher debt load relative to revenue than 14% of similar nonprofits.
Net Margin
80th percentile
Higher net margin than 80% of similar nonprofits.
Top Officer Pay
80th percentile
Higher top officer pay than 80% of similar nonprofits.
Top officer pay equals 3.5% of source-year revenue.
Asset Growth
81st percentile
Faster asset growth than 81% of similar nonprofits.
Revenue Growth
83rd percentile
Faster revenue growth than 83% of similar nonprofits.
Balance Sheet
Assets
Up$115,235,995
Up $8,080,473 (+7.5%) from 2017
Net Assets
Up$9,766,928
Up $1,676,389 (+21%) from 2017
Liabilities
Up$105,469,067
Up $6,404,084 (+6.5%) from 2017
Revenue And Expenses
Revenue
Up$8,413,182
Up $1,136,700 (+16%) from 2017
Expenses
Up$6,733,173
Up $380,143 (+6.0%) from 2017
Net Income
Up$1,680,009
Up $756,557 (+82%) from 2017
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2018 to Dec 31, 2018
- Signed
- May 14, 2019
- Return Version
- 2018v3.1
- Gross Receipts
- $8,642,179
Mission and Program Overview
Mission
To operate a state chartered credit union to provide loan and deposit services for the benefit of its members.
Operate a state chartered credit union for the benefit of members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $93,996,580 | $101,339,571 | ▲ $7,342,991 |
| Rtn Earn Endowment Incm Other Fnds | $8,090,539 | $9,766,928 | ▲ $1,676,389 |
| Cash and Non-Interest-Bearing Accounts | $4,031,654 | $4,435,217 | ▲ $403,563 |
| Savings and Temporary Cash Investments | $3,758,650 | $3,954,516 | ▲ $195,866 |
| Land, Buildings, and Equipment, Net | $3,388,003 | $3,382,910 | ▼ $5,093 |
| Prepaid Expenses and Deferred Charges | $271,521 | $352,105 | ▲ $80,584 |
| Accounts Receivable | $11,641 | $56,154 | ▲ $44,513 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $107,155,522 | $115,235,995 | ▲ $8,080,473 |
| Other Assets Total | $1,697,473 | $1,715,522 | ▲ $18,049 |
| Liabilities | |||
| Other Liabilities | $91,019,255 | $99,949,992 | ▲ $8,930,737 |
| Mortgage Notes Payable Secured by Investment Property | $7,800,000 | $5,200,000 | ▼ $2,600,000 |
| Accounts Payable and Accrued Expenses | $245,728 | $319,075 | ▲ $73,347 |
| Total Liabilities | $99,064,983 | $105,469,067 | ▲ $6,404,084 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $8,090,539 | $9,766,928 | ▲ $1,676,389 |
| Total Liabilities and Net Assets / Fund Balance | $107,155,522 | $115,235,995 | ▲ $8,080,473 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,586,877 | $1,415,657 | $4,002,534 |
| Equipment | $236,466 | $1,004,003 | $1,240,469 |
| Land | $559,567 | - | $559,567 |
| Leasehold Improvements | $0 | $35,918 | $35,918 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Jeffrey Morse | CEO/president | FT | $220,591 | $69,808 | $290,399 |
| Jill Fortier | SVP-CFO | FT | $107,253 | $20,039 | $127,292 |
| Ethan Grimes | VP-mortgage Lending | FT | $80,744 | $2,990 | $83,734 |
| Karen Cedergren | VP-branch Administration | FT | $79,356 | $3,027 | $82,383 |
| Kimberly Gouger | VP-consumer Lending | PT | $52,991 | $2,050 | $55,041 |
Board Members and Trustees
| Name | Title |
|---|---|
| Michael Cooney | Chairperson |
| James Valente | Supervisory Chair |
| Deborah Carpenter | Vice Chair |
| James Bedard | Director |
| Richard Carroll | Director |
| Robin Sweetapple | Director |
| Russel Farrar | Director |
| Samantha Bovat | Director |
| Larry Kraft | Secretary |
| Adam Waite | Supervisory |
| George Anthes | Supervisory |
| John Meyer | Supervisory |
| Nader Hashim | Supervisory |
| Michael Rogers | Treasurer |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Ims INC | Statement Service | 245 COMMERCE BLVD, Liverpool, NY 13088 | $107,059 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $5,813,699
- Investment Income
- $129,558
- Other Revenue
- $2,469,925
- Change in Net Assets
- $1,680,009
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $8,413,182
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $54,340
- Total Revenue per Audited Statements
- $8,467,522
- Total Revenue per Form 990
- $8,413,182
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $3,514,364 |
| Other Expenses | $3,036,460 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,955,362 |
| All Other Expenses | - | - | - | $741,867 |
| Other Employee Benefits | - | - | - | $661,511 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $540,935 |
| Office Expenses | - | - | - | $285,273 |
| Occupancy | - | - | - | $269,643 |
| Other Expenses | - | - | - | $218,793 |
| Payroll Taxes | - | - | - | $211,292 |
| Depreciation Depletion | - | - | - | $182,676 |
| Benefits to Members | - | - | - | $182,349 |
| Advertising | - | - | - | $157,605 |
| Pension Plan Contributions | - | - | - | $145,264 |
| Interest | - | - | - | $143,566 |
| Travel | - | - | - | $61,311 |
| Insurance | - | - | - | $56,422 |
| Fees for Services Legal | - | - | - | $31,757 |
| Total Functional Expenses | $0 | $0 | $0 | $6,733,173 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Total Expenses per Audited Statements | $6,791,133 |
| Expenses per Audited Statements | $6,733,173 |
| Total Expenses per Form 990 | $6,733,173 |
| Expenses Not Reported on Form 990 | $57,960 |
| Expenses Not Reported on Financial Statements | $0 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Deposits | $99,949,992 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- 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
- 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
“Entity is a credit union with 18,056 members.”
Form 990, Part VI, Section A, Line 7A
“The members of rvcu elect at least one member of the board of directors”
Form 990, Part VI, Section A, Line 7B
“Entity wide decisions including election of officers, merger and acquisition, and changes to by-laws or governing documents would require membership approval.”
Form 990, Part VI, Section B, Line 11B
“Form 990 is reviewed by the ceo and cfo prior to filing. Filing is reported to the board of directors and made available for review.”
Form 990, Part VI, Section B, Line 12C
“Related party questionnaires are completed by directors annually to determine any conflicting interests.”
Form 990, Part VI, Section B, Line 15
“Ceo compensation is reviewed and approved by a compensation committee of the board of directors. Officer compensation is initiated and approved by the ceo and considered by the board in annual budget reporting.”
Form 990, Part VI, Section C, Line 19
“Rvcu makes its documents available to the public by request with the exception of the financial statements which are posted in each branch lobby.”
Form 990, Part VII Contact Addresses for Officers, Directors, Etc
“Deborah carpenter - 190 canoe brook road, e dummerston, vt 05346. Russel farrar - 2618 flamstead road, chester, vt 05143. James bedard - 186 maple street, brattleboro, vt 05301. Karen cedergren - po box 2532, w. Brattleboro, vt 05303. Kimberly gouger - 7 moss hollow lane, newfane, vt 05345. Jill fortier - 579 mt herman station road, northfield, ma 01360. Larry kraft - 12 pinebrook lane f-8, n. Springfield, vt 05150. Samantha bovat - 270 hill road, brookline, vt 05345. Richard carroll - 93 southern heights drive, vernon, vt 05354. Jeffrey morse - po box 538-6 namaschaug landing, spofford, nh 03462. Michael cooney - 146 newfane road, wardsboro, vt 05355. Michael rogers - 33 norcross landing, w chesterfield, nh 03466. Robin sweetapple - 84 oak street, brattleboro, vt 05301. James valente - 92 green street, brattleboro, vt 05301. George anthes - 39 olive street, brattleboro, vt 05301. Ethan grimes - po box 201, newfane, vt 05345. Adam waite - 154 high st apt 103, brattleboro, vt 05301. Nader hashim - 655 canoe brook road, dummerston, vt 05346. John meyer - po box 797, brattleboro, vt 05302.”
Filing and Contact Details
Filer
- Filer Name
- River Valley Credit Union
- EIN
- 03-0196668
- Phone
- 8022544800
- Address
- PO BOX 8366, NORTH BRATTLEBORO, VT 05304
Signing Officer
- Name
- Jill Fortier
- Title
- Chief Financial Officer
- Phone
- 8022544800
- Signed
- 2019-05-14
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Jill Fortier
- Formed
- 1946
- Legal Domicile
- Vt
- Voting Board Members
- 10
- Independent Board Members
- 10
- Employees
- 68
- Volunteers
- 0
Preparer
- Firm
- Am Peisch & Company Llp
- Address
- 24 AIRPORT ROAD SUITE 402, WEST LEBANON, NH 03784-1663
- Preparer
- Mandy C Giles CPA
- Phone
- 6033060100
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 24E
“Profess. & outside services 141,402. Postage 126,875. Deposit services expense 67,338. Telephone 64,365. Dues/subscriptions 59,744. Statement services 44,309. Conference expense 36,947. Collection costs 34,686. Donations 31,596. Armored car & courier 23,623. Payroll fees 23,118. Meal expenses 17,112. Credit bureau costs 16,442. Oreo expenses 14,329. Vermont exam. Fees 10,236. Training 9,053. Atm costs 8,320. Board/committee costs 7,722. Annual meeting expenses 4,650.”
FORM 990, PART XII, LINE 2C:
“There have been no changes made to the oversight process or selection process during the tax year.”
Financial Statement Notes
PART X, LINE 2:
“Generally accepted accounting standards prescribe a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return, and provides guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure, and transition. The credit union is not aware of any such uncertain tax positions.”
PART XI, LINE 2D - OTHER ADJUSTMENTS:
“RENTAL EXPENSE 57,960.”
PART XII, LINE 2D - OTHER ADJUSTMENTS:
“RENTAL EXPENSE 57,960.”
Raw XML AppendixShowing 400 of 517 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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|---|---|---|
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| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 56154 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | OPERATE A STATE CHARTERED CREDIT UNION FOR THE BENEFIT OF MEMBERS. |
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| IRS990/Desc | 0 | PROGRAM SERVICES RELATE TO DAILY OPERATIONS OF A LOCALLY CONTROLLED, FULL SERVICE CREDIT UNION. WE MAKE LOANS, ACCEPT DEPOSIT ACCOUNTS, AND CONTINUALLY AND EFFICIENTLY PROVIDE OTHER RELEVANT FINANCIAL SERVICES TO A MEMBER BASE OF APPROXIMATELY 18,056 INDIVIDUALS. |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 79356 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 52991 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 107253 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 17 | 220591 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 18 | 80744 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 18 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | SUPERVISORY CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | SUPERVISORY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | SUPERVISORY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | SUPERVISORY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | SUPERVISORY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | VP-BRANCH ADMINISTRATION |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | VP-CONSUMER LENDING |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | SVP-CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | CEO/PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 18 | VP-MORTGAGE LENDING |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1946 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 41671 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | -64 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 10 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 209580 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 3064 |
| IRS990/GrossReceiptsAmt | 0 | 8642179 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 40332 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 10 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 56422 |
| IRS990/InterestGrp/TotalAmt | 0 | 143566 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 87951 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 87951 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 45 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 2455578 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 3388003 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 3382910 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 5838488 |
| IRS990/LegalDomicileStateCd | 0 | VT |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 167909 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 3128 |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 57960 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 313711 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 398878 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 85167 |
| IRS990/MissionDesc | 0 | TO OPERATE A STATE CHARTERED CREDIT UNION TO PROVIDE LOAN AND DEPOSIT SERVICES FOR THE BENEFIT OF ITS MEMBERS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 7800000 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 5200000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 8090539 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 9766928 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 41607 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 41607 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | -17628 |
| IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt | 0 | -17628 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -88795 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -3620 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 269643 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 285273 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1697473 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1715522 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 661511 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | DEBIT CARD FEES |
| IRS990/OtherExpensesGrp/Desc | 2 | OTHER |
| IRS990/OtherExpensesGrp/Desc | 3 | INTERCEPT SERVICE ATM F |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 387000 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 259459 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 241088 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 218793 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 91019255 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 99949992 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | SERVICE FEES |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | CARD PROCESSING FEES |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | LOAN FEES |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1081115 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 737138 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | 270422 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 1081115 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 737138 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 270422 |
| IRS990/OtherRevenueTotalAmt | 0 | 2487553 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1955362 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 93996580 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 101339571 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 211292 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 145264 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 271521 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 352105 |
| IRS990/PrincipalOfficerNm | 0 | JILL FORTIER |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 5813699 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 5813699 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 153074 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | -1418 |
| IRS990/PYOtherExpensesAmt | 0 | 2895423 |
| IRS990/PYOtherRevenueAmt | 0 | 2245799 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 5032101 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 923452 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 3304533 |
| IRS990/PYTotalExpensesAmt | 0 | 6353030 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 7276482 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1680009 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | -17628 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 8090539 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 9766928 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3758650 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3954516 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2586877 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1415657 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 4002534 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 236466 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1004003 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1240469 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 57960 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 6733173 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 559567 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 559567 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 35918 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 35918 |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | -3620 |
| IRS990ScheduleD/OtherExpensesIncludedAmt | 0 | 57960 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 99949992 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER DEPOSITS |
| IRS990ScheduleD/OtherRevenueAmt | 0 | 57960 |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 54340 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 8413182 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | GENERALLY ACCEPTED ACCOUNTING STANDARDS PRESCRIBE A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN, AND PROVIDES GUIDANCE ON DERECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE, AND TRANSITION. THE CREDIT UNION IS NOT AWARE OF ANY SUCH UNCERTAIN TAX POSITIONS. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | RENTAL EXPENSE 57,960. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 2 | RENTAL EXPENSE 57,960. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART XI, LINE 2D - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | PART XII, LINE 2D - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 3382910 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 6733173 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 99949992 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 8413182 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 8467522 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 6791133 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 220591 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
Document Assets
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Filings
Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $115,235,995
- Liabilities
- $105,469,067
- Net assets
- $9,766,928
- Revenue
- $8,413,182
- Expenses
- $6,733,173
- Net income
- $1,680,009