Civic Intelligence

Members 1St Credit Union

EIN 03-0197116 • 501(c)14 • Brattleboro, VT

View Organization Page

Profile

We are a member owned financial services provider meeting our members financial needs in the most personal way

10 Browne Court PO Box 8245Brattleboro, VT 05304-8245

www.members1cu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

63rd percentile

0.89x

Higher debt load relative to assets than 63% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Liabilities / Revenue

19th percentile

11.42x

Higher debt load relative to revenue than 19% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Net Margin

77th percentile

19%

Higher net margin than 77% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

60th percentile

1.4%

Faster asset growth than 60% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2023

Revenue Growth

97th percentile

45%

Faster revenue growth than 97% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$21,181,241

Up $3,949,369 (+23%) from 2023

Liabilities

Up

$19,176,314

Up $3,919,324 (+26%) from 2023

Net Assets

Up

$2,004,927

Up $30,045 (+1.5%) from 2023

Operations
Liabilities / Revenue19th percentileNet Margin77th percentile

Revenue

Up

$1,355,422

Up $19,998 (+1.5%) from 2023

Expenses

Up

$1,325,377

Up $241,946 (+22%) from 2023

Net Income

Down

$30,045

Down $221,948 (-88%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth60th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $10,803,547Liabilities 2010: $9,890,073Net Assets 2010: $913,4742010Assets 2011: $11,580,995Liabilities 2011: $10,561,793Net Assets 2011: $1,019,2022011Assets 2012: $13,065,841Liabilities 2012: $12,103,932Net Assets 2012: $961,9092012Assets 2013: $12,555,873Liabilities 2013: $11,520,435Net Assets 2013: $1,035,4382013Assets 2014: $14,074,800Liabilities 2014: $12,897,649Net Assets 2014: $1,177,1512014Assets 2015: $15,240,191Liabilities 2015: $13,918,500Net Assets 2015: $1,321,6912015Assets 2016: $15,231,760Liabilities 2016: $13,765,903Net Assets 2016: $1,465,8572016Assets 2017: $15,558,030Liabilities 2017: $14,040,568Net Assets 2017: $1,517,4622017Assets 2018: $15,831,072Liabilities 2018: $14,241,816Net Assets 2018: $1,589,2562018Assets 2019: $14,865,643Liabilities 2019: $13,273,767Net Assets 2019: $1,591,8762019Assets 2020: $16,938,066Liabilities 2020: $15,404,174Net Assets 2020: $1,533,8922020Assets 2021: $18,220,360Liabilities 2021: $16,596,500Net Assets 2021: $1,623,8602021Assets 2022: $16,999,218Liabilities 2022: $15,276,329Net Assets 2022: $1,722,8892022Assets 2023: $17,231,872Liabilities 2023: $15,256,990Net Assets 2023: $1,974,8822023Assets 2024: $21,181,241Liabilities 2024: $19,176,314Net Assets 2024: $2,004,9272024

Highlighted filing

2024

Assets$21,181,241
Liabilities$19,176,314
Net Assets$2,004,927
Open 2024 Filing

Operations Trend

Revenue Growth97th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $769,3662010Expenses 2011: $833,9122011Expenses 2012: $958,3292012Revenue 2013: $905,421Expenses 2013: $831,892Net Income 2013: $73,5292013Revenue 2014: $995,186Expenses 2014: $853,473Net Income 2014: $141,7132014Revenue 2015: $1,030,509Expenses 2015: $885,969Net Income 2015: $144,5402015Revenue 2016: $1,000,258Expenses 2016: $856,092Net Income 2016: $144,1662016Revenue 2017: $973,701Expenses 2017: $922,096Net Income 2017: $51,6052017Revenue 2018: $1,070,332Expenses 2018: $998,538Net Income 2018: $71,7942018Revenue 2019: $1,054,855Expenses 2019: $1,052,235Net Income 2019: $2,6202019Revenue 2020: $883,101Expenses 2020: $941,085Net Income 2020: -$57,9842020Revenue 2021: $822,671Expenses 2021: $732,693Net Income 2021: $89,9782021Revenue 2022: $923,834Expenses 2022: $824,805Net Income 2022: $99,0292022Revenue 2023: $1,335,424Expenses 2023: $1,083,431Net Income 2023: $251,9932023Revenue 2024: $1,355,422Expenses 2024: $1,325,377Net Income 2024: $30,0452024

Highlighted filing

2024

Revenue$1,355,422
Expenses$1,325,377
Net Income$30,045
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$21,181,241
Liabilities
$19,176,314
Net assets
$2,004,927
Revenue
$1,355,422
Expenses
$1,325,377
Net income
$30,045
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$21.2$19.2$2.00$1.36$1.33$0.03
2023Detailed filing. Detailed filing data is available for this year.$17.2$15.3$1.97$1.34$1.08$0.25
2022Detailed filing. Detailed filing data is available for this year.$17.0$15.3$1.72$0.92$0.82$0.10
2021Detailed filing. Detailed filing data is available for this year.$18.2$16.6$1.62$0.82$0.73$0.09
2020Detailed filing. Detailed filing data is available for this year.$16.9$15.4$1.53$0.88$0.94$0.06
2019Detailed filing. Detailed filing data is available for this year.$14.9$13.3$1.59$1.05$1.05$0.00
2018Detailed filing. Detailed filing data is available for this year.$15.8$14.2$1.59$1.07$1.00$0.07
2017Detailed filing. Detailed filing data is available for this year.$15.6$14.0$1.52$0.97$0.92$0.05
2016Detailed filing. Detailed filing data is available for this year.$15.2$13.8$1.47$1.00$0.86$0.14
2015Detailed filing. Detailed filing data is available for this year.$15.2$13.9$1.32$1.03$0.89$0.14
2014Detailed filing. Detailed filing data is available for this year.$14.1$12.9$1.18$1.00$0.85$0.14
2013Detailed filing. Detailed filing data is available for this year.$12.6$11.5$1.04$0.91$0.83$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.1$12.1$0.96$0.96
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.6$10.6$1.02$0.83
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.8$9.89$0.91$0.77
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 28, 2025
Return Version
2024v5.0
Gross Receipts
$1,355,422
Mission and Program Overview

Mission

Services directly related to Credit Union operations providing savings and loans to member base of

Credit union/not for profit financial institution

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$15,340,563$15,152,516▼ $188,047
Savings and Temporary Cash Investments$1,223,375$5,341,801▲ $4,118,426
Rtn Earn Endowment Incm Other Fnds$1,974,882$2,004,927▲ $30,045
Cash and Non-Interest-Bearing Accounts$296,055$292,859▼ $3,196
Land, Buildings, and Equipment, Net$158,245$148,444▼ $9,801
Prepaid Expenses and Deferred Charges$28,090$51,952▲ $23,862
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$17,231,872$21,181,241▲ $3,949,369
Other Assets Total$185,544$193,669▲ $8,125
Liabilities
Other Liabilities$15,152,384$19,101,082▲ $3,948,698
Accounts Payable and Accrued Expenses$104,606$75,232▼ $29,374
Total Liabilities$15,256,990$19,176,314▲ $3,919,324
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,974,882$2,004,927▲ $30,045
Total Liabilities and Net Assets / Fund Balance$17,231,872$21,181,241▲ $3,949,369

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$61,549$380,227$0
Other Land Buildings$2,757$16,347$0
Land$84,138-$0
Equipment$0$241,635$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Evelyn SiroisCEOFT$78,083$78,083

Board Members and Trustees

NameTitle
Tamara GrayChair
Sheri BolsterSupervisory Committee Chair
Michael Del PrioreVice Chair
Bert WilkinsDirector
Edward HoganDirector
LAWRENCE O'NEILLDirector
Mona WilliamsDirector
Amber DowningSupervisory Committee Member
Edith HarveySupervisory Committee Member
Judith WisellTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,230,796
Investment Income
$124,626
Other Revenue
$0
Change in Net Assets
$30,045

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,355,422
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$1,355,422
Total Revenue per Form 990
$1,355,422
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$521,430
Salaries, Compensation, and Employee Benefits$431,858
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$372,089
Other Salaries and Wages---$303,161
Other Expenses---$168,091
Current Officers, Directors, Trustees, and Key Employees---$78,083
Fees for Services Accounting---$77,332
Information Technology---$65,892
Office Expenses---$46,385
Advertising---$45,246
Occupancy---$34,541
Depreciation Depletion---$32,605
Payroll Taxes---$29,776
All Other Expenses---$28,071
Other Employee Benefits---$14,309
Insurance---$9,786
Conferences and Meetings---$7,414
Pension Plan Contributions---$6,529
Payments to Affiliates---$6,067
Total Functional Expenses$0$0$0$1,325,377

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,325,377
Total Expenses per Audited Statements$1,325,377
Total Expenses per Form 990$1,325,377
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposit Accounts$19,101,082
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 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 credit union had 2121 members”

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

“Members elect the board of directors at the annual meeting. The board of directors appoint the supervisory committee members.”

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

“Members approve the credit union borrowing limits at the annual meeting.”

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

“Reviewed by board of directors at their regular scheduled meeting.”

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

“Conflict of interest is monitored on a daily basis and also discussed at meetings held by board of directors.”

Form 990, Part VI, Section B, Line 15

“Both local and national surveys throughout the credit union industry are reviewed.”

Form 990, Part VI, Section C, Line 19

“Monthly finanicial statements are posted in lobby, and also available upon request. Applicable policies are provided upon request.”

Filing and Contact Details

Filer

Filer Name
Members 1st Credit Union
EIN
03-0197116
Phone
8022575131
Address
10 BROWNE COURT PO BOX 8245, BRATTLEBORO, VT 05304-8245

Signing Officer

Name
Evelyn Sirois
Title
CEO
Phone
8022575131
Signed
2025-04-28

Organization Details

Formed
1957
Legal Domicile
Vt
Voting Board Members
7
Independent Board Members
2,121
Employees
13
Volunteers
10
Raw XML AppendixShowing 400 of 439 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/TitleTxt6DIRECTOR
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IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt065892
IRS990/InsuranceGrp/TotalAmt09786
IRS990/InterestGrp/TotalAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0124626
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0124626
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt01
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0638209
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0158245
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0148444
IRS990/LandBldgEquipCostOrOtherBssAmt0786653
IRS990/LegalDomicileStateCd0VT
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE ARE A MEMBER OWNED FINANCIAL SERVICES PROVIDER MEETING OUR MEMBERS FINANCIAL NEEDS IN THE MOST PERSONAL WAY
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt01974882
IRS990/NetAssetsOrFundBalancesEOYAmt02004927
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt034541
IRS990/OfficeExpensesGrp/TotalAmt046385
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0185544
IRS990/OtherAssetsTotalGrp/EOYAmt0193669
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt014309
IRS990/OtherExpensesGrp/Desc0Share Draft/Credit Card expenses
IRS990/OtherExpensesGrp/TotalAmt0168091
IRS990/OtherLiabilitiesGrp/BOYAmt015152384
IRS990/OtherLiabilitiesGrp/EOYAmt019101082
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0303161
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt015340563
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt015152516
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt06067
IRS990/PayrollTaxesGrp/TotalAmt029776
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt06529
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt028090
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt051952
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0MEMBERS 1ST CREDIT UNION
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS/PROGRAMS/SERVICES
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01230796
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01230796
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0166422
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt091214
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0530657
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01244210
IRS990/PYRevenuesLessExpensesAmt0251993
IRS990/PYSalariesCompEmpBnftPaidAmt0386352
IRS990/PYTotalExpensesAmt01083431
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01335424
IRS990/ReconcilationRevenueExpnssAmt030045
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
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/BOYAmt01974882
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02004927
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01223375
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05341801
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt061549
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0380227
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0441776
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0241635
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0241635
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt01325377
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt084138
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt084138
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt02757
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt016347
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt019104
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt019101082
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt01355422
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0148444
IRS990ScheduleD/TotalExpensesPerForm990Amt01325377
IRS990ScheduleD/TotalLiabilityAmt019101082
IRS990ScheduleD/TotalRevenuePerForm990Amt01355422
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01355422
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01325377
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAD 2121 MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING. THE BOARD OF DIRECTORS APPOINT THE SUPERVISORY COMMITTEE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS APPROVE THE CREDIT UNION BORROWING LIMITS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3REVIEWED BY BOARD OF DIRECTORS AT THEIR REGULAR SCHEDULED MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CONFLICT OF INTEREST IS MONITORED ON A DAILY BASIS AND ALSO DISCUSSED AT MEETINGS HELD BY BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOTH LOCAL AND NATIONAL SURVEYS THROUGHOUT THE CREDIT UNION INDUSTRY ARE REVIEWED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6MONTHLY FINANICIAL STATEMENTS ARE POSTED IN LOBBY, AND ALSO AVAILABLE UPON REQUEST. APPLICABLE POLICIES ARE PROVIDED UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0VT
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt017231872
IRS990/TotalAssetsEOYAmt021181241
IRS990/TotalAssetsGrp/BOYAmt017231872
IRS990/TotalAssetsGrp/EOYAmt021181241
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01325377
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt015256990
IRS990/TotalLiabilitiesEOYAmt019176314
IRS990/TotalLiabilitiesGrp/BOYAmt015256990
IRS990/TotalLiabilitiesGrp/EOYAmt019176314
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01974882
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02004927
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt01230796
IRS990/TotalReportableCompFromOrgAmt078083
IRS990/TotalRevenueGrp/ExclusionAmt00

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