Civic Intelligence

Credit Union of Vermont

EIN 03-0211361 • 501(c)14 • Rutland, VT

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Profile

A Credit Union. Not-for-profit corporation owned by its members and providing low cost financial services including loans and share-deposit services to its member-owners.

2 South Main StreetRutland, VT 05701

cuvermont.coop

Siviq Scores

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

Liabilities / Assets

35th percentile

0.86x

Higher debt load relative to assets than 35% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

49th percentile

15.59x

Higher debt load relative to revenue than 49% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

97th percentile

36%

Higher net margin than 97% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

85th percentile

$236,343

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 5.4% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

80th percentile

6.1%

Faster asset growth than 80% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

59th percentile

13%

Faster revenue growth than 59% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets35th percentile

Assets

Up

$79,262,499

Up $4,571,033 (+6.1%) from 2023

Liabilities

Up

$68,343,906

Up $2,995,007 (+4.6%) from 2023

Net Assets

Up

$10,918,593

Up $1,576,026 (+17%) from 2023

Operations
Liabilities / Revenue49th percentileNet Margin97th percentile

Revenue

Up

$4,383,157

Up $492,988 (+13%) from 2023

Expenses

Down

$2,807,131

Down $311,905 (-10%) from 2023

Net Income

Up

$1,576,026

Up $804,893 (+104%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth80th percentile

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

$80M$60M$40M$20M$0Assets 2010: $27,097,038Liabilities 2010: $24,038,843Net Assets 2010: $3,058,1952010Assets 2011: $29,208,986Liabilities 2011: $25,944,049Net Assets 2011: $3,264,9372011Assets 2012: $30,816,952Liabilities 2012: $27,266,767Net Assets 2012: $3,550,1852012Assets 2013: $33,369,126Liabilities 2013: $29,525,835Net Assets 2013: $3,843,2912013Assets 2014: $36,594,519Liabilities 2014: $32,440,425Net Assets 2014: $4,154,0942014Assets 2015: $38,520,657Liabilities 2015: $34,045,381Net Assets 2015: $4,475,2762015Assets 2016: $42,582,866Liabilities 2016: $37,768,545Net Assets 2016: $4,814,3212016Assets 2017: $46,226,070Liabilities 2017: $41,056,651Net Assets 2017: $5,169,4192017Assets 2018: $48,295,645Liabilities 2018: $42,632,818Net Assets 2018: $5,662,8272018Assets 2019: $51,794,216Liabilities 2019: $45,522,865Net Assets 2019: $6,271,3512019Assets 2020: $60,007,044Liabilities 2020: $53,158,689Net Assets 2020: $6,848,3552020Assets 2021: $64,981,595Liabilities 2021: $57,462,978Net Assets 2021: $7,518,6172021Assets 2022: $71,315,895Liabilities 2022: $62,744,461Net Assets 2022: $8,571,4342022Assets 2023: $74,691,466Liabilities 2023: $65,348,899Net Assets 2023: $9,342,5672023Assets 2024: $79,262,499Liabilities 2024: $68,343,906Net Assets 2024: $10,918,5932024

Highlighted filing

2024

Assets$79,262,499
Liabilities$68,343,906
Net Assets$10,918,593
Open 2024 Filing

Operations Trend

Revenue Growth59th percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $1,033,4992010Revenue 2011: $1,282,304Expenses 2011: $1,075,562Net Income 2011: $206,7422011Expenses 2012: $1,088,7472012Revenue 2013: $1,439,245Expenses 2013: $1,146,139Net Income 2013: $293,1062013Revenue 2014: $1,441,630Expenses 2014: $1,130,827Net Income 2014: $310,8032014Revenue 2015: $1,482,527Expenses 2015: $1,161,345Net Income 2015: $321,1822015Revenue 2016: $1,595,430Expenses 2016: $1,256,385Net Income 2016: $339,0452016Revenue 2017: $1,742,054Expenses 2017: $1,386,956Net Income 2017: $355,0982017Revenue 2018: $2,042,273Expenses 2018: $1,548,865Net Income 2018: $493,4082018Revenue 2019: $2,334,661Expenses 2019: $1,726,137Net Income 2019: $608,5242019Revenue 2020: $2,189,383Expenses 2020: $1,612,379Net Income 2020: $577,0042020Revenue 2021: $2,164,188Expenses 2021: $1,493,926Net Income 2021: $670,2622021Revenue 2022: $2,621,042Expenses 2022: $1,568,225Net Income 2022: $1,052,8172022Revenue 2023: $3,890,169Expenses 2023: $3,119,036Net Income 2023: $771,1332023Revenue 2024: $4,383,157Expenses 2024: $2,807,131Net Income 2024: $1,576,0262024

Highlighted filing

2024

Revenue$4,383,157
Expenses$2,807,131
Net Income$1,576,026
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$79,262,499
Liabilities
$68,343,906
Net assets
$10,918,593
Revenue
$4,383,157
Expenses
$2,807,131
Net income
$1,576,026
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$79.3$68.3$10.9$4.38$2.81$1.58
2023Detailed filing. Detailed filing data is available for this year.$74.7$65.3$9.34$3.89$3.12$0.77
2022Detailed filing. Detailed filing data is available for this year.$71.3$62.7$8.57$2.62$1.57$1.05
2021Detailed filing. Detailed filing data is available for this year.$65.0$57.5$7.52$2.16$1.49$0.67
2020Detailed filing. Detailed filing data is available for this year.$60.0$53.2$6.85$2.19$1.61$0.58
2019Detailed filing. Detailed filing data is available for this year.$51.8$45.5$6.27$2.33$1.73$0.61
2018Detailed filing. Detailed filing data is available for this year.$48.3$42.6$5.66$2.04$1.55$0.49
2017Detailed filing. Detailed filing data is available for this year.$46.2$41.1$5.17$1.74$1.39$0.36
2016Detailed filing. Detailed filing data is available for this year.$42.6$37.8$4.81$1.60$1.26$0.34
2015Detailed filing. Detailed filing data is available for this year.$38.5$34.0$4.48$1.48$1.16$0.32
2014Detailed filing. Detailed filing data is available for this year.$36.6$32.4$4.15$1.44$1.13$0.31
2013Detailed filing. Detailed filing data is available for this year.$33.4$29.5$3.84$1.44$1.15$0.29
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.8$27.3$3.55$1.09
2011Summary only. Only limited summary data is available for this year.$29.2$25.9$3.26$1.28$1.08$0.21
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.1$24.0$3.06$1.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 3, 2025
Return Version
2024v5.0
Gross Receipts
$4,508,820
Mission and Program Overview

Mission

A Credit Union. Not-for-rofit corporation owned by its members and providing low cost financial services including loans and share-deposit services to its member-owners.

A CREDIT UNION. Not-for-profit corporation owned by its members and providing low cost financial services including loans and share-deposit services to its member-owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$44,343,804$45,002,968▲ $659,164
Investments Program Related$16,564,685$19,328,672▲ $2,763,987
Savings and Temporary Cash Investments$11,944,932$13,329,271▲ $1,384,339
Rtn Earn Endowment Incm Other Fnds$9,342,567$10,918,593▲ $1,576,026
Land, Buildings, and Equipment, Net$1,070,035$1,053,214▼ $16,821
Cash and Non-Interest-Bearing Accounts$350,213$389,433▲ $39,220
Receivables From Officers Etc$268,286$0▼ $268,286
Prepaid Expenses and Deferred Charges$50,680$51,631▲ $951
Accounts Receivable$304$2,973▲ $2,669
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$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$74,691,466$79,262,499▲ $4,571,033
Other Assets Total$98,527$104,337▲ $5,810
Liabilities
Other Liabilities$63,876,417$67,744,711▲ $3,868,294
Accounts Payable and Accrued Expenses$1,472,482$599,195▼ $873,287
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$65,348,899$68,343,906▲ $2,995,007
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,342,567$10,918,593▲ $1,576,026
Total Liabilities and Net Assets / Fund Balance$74,691,466$79,262,499▲ $4,571,033

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$391,198$501,913$893,111
Leasehold Improvements$152,587$395,887$548,474
Land$441,435-$441,435
Equipment$67,994$168,489$236,483
Investment Program Related Org$657,672--
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer TaylorCOOFT$121,858$114,484$236,342
Bryan KentCEO & TreasurerFT$117,500$12,447$129,947

Board Members and Trustees

NameTitle
Shirley McKirryherChair, Board of Directors
Barbara SandilloDirector
Dawn HowlettDirector
Diane HavenDirector
Robert KilpeckDirector
Catherine MilesSecretary, Board of Directors
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,777,992
Investment Income
$1,611,900
Other Revenue
$-6,735
Change in Net Assets
$1,576,026
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,970,315
Salaries, Compensation, and Employee Benefits$836,816
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,244,185
Other Salaries and Wages---$621,382
Other Employee Benefits---$103,650
Office Expenses---$79,458
Payroll Taxes---$76,784
Information Technology---$66,536
Occupancy---$57,754
Pension Plan Contributions---$35,000
Insurance---$29,792
Conferences and Meetings---$29,302
Fees for Services Accounting---$26,654
Other Expenses---$26,583
Depreciation Depletion---$23,731
Advertising---$12,572
Fees for Services Legal---$6,298
Travel---$293
Total Functional Expenses$0$0$0$2,807,131
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$268,286$0▼ $268,286
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
Term share certificates$23,956,402
Regular share member savings$19,237,912
Money market accounts$9,242,295
Share draft checking accounts$8,190,889
IRA share term certificates$7,084,759
IRA share accounts$24,349
Club share member savings$8,105
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 of Vermont is a not for profit member owned, state chartered credit union with 3,415 members as of 12/31/2024.”

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

“The Credit Union of Vermont is a not for profit state chartered credit union with 3,415 members as of 12/31/2024. Members elect nominated persons to the Board of Directors and Credit Committee at a duly warned meeting of the members each year.”

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

“In accordance with state and federal regulations, some matters, such as merger proposals, must be approved by the membership.”

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

“A complete copy of the Form 990 is made available to each Director. At a regularly scheduled meeting it was discussed by the Board of Directors and approved for the record.”

Form 990, Part VI, Section B, Line 15

“Compensation is per the Board of Director's approval following an annual review of peer compensation of the CEO and COO, as well as an individual and overall credit union performance evaluation. Published peer compensation data from an independent company, HR Performance Solutions is utilized. Completed for 2024.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted before the 15th of each month in the credit union's entry lobby. Copies of our annual report are also available in that same lobby and are available throughout the year. These and other documents including Form 990 are available upon request.”

Filing and Contact Details

Filer

Filer Name
Credit Union of Vermont
EIN
03-0211361
Phone
8027730027
Address
2 SOUTH MAIN STREET, RUTLAND, VT 05701

Signing Officer

Name
Bryan Kent
Title
CEO
Phone
8027730027
Signed
2025-04-03

Organization Details

Principal Officer
Bryan Kent
Formed
1958
Legal Domicile
Vt
Voting Board Members
7
Independent Board Members
6
Employees
7
Volunteers
13
Raw XML AppendixShowing 400 of 633 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.

Path#Value
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IRS990/ActivityOrMissionDesc0A CREDIT UNION. Not-for-profit corporation owned by its members and providing low cost financial services including loans and share-deposit services to its member-owners.
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IRS990/AllOtherExpensesGrp/TotalAmt00
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IRS990/BooksInCareOfDetail/PersonNm0Bryan Kent
IRS990/BooksInCareOfDetail/PhoneNum08027730027
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02 SOUTH MAIN STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0RUTLAND
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0VT
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IRS990/DepreciationDepletionGrp/TotalAmt023731
IRS990/Desc0Maintenance of members' share and deposit accounts. Number of accounts is 7,778. The credit union was rated as having the highest Return of Member value of any credit union in the nation as of March 2017 by Callahan & Associates, a national rating service. It continues to be ranked highly compared to all other credit unions.
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IRS990/Form990PartVIISectionAGrp/PersonNm0JENNIFER TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm1Bryan Kent
IRS990/Form990PartVIISectionAGrp/PersonNm2Shirley McKirryher
IRS990/Form990PartVIISectionAGrp/PersonNm3Catherine Miles
IRS990/Form990PartVIISectionAGrp/PersonNm4Dawn Howlett
IRS990/Form990PartVIISectionAGrp/PersonNm5Barbara Sandillo
IRS990/Form990PartVIISectionAGrp/PersonNm6Diane Haven
IRS990/Form990PartVIISectionAGrp/PersonNm7Robert Kilpeck
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IRS990/Form990PartVIISectionAGrp/TitleTxt1CEO & Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chair, Board of Directors
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary, Board of Directors
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt04508820
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt0118928
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt066536
IRS990/InsuranceGrp/TotalAmt029792
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt01244185
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01611900
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01611900
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt016564685
IRS990/InvestmentsProgramRelatedGrp/EOYAmt019328672
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt02
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01066289
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01070035
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01053214
IRS990/LandBldgEquipCostOrOtherBssAmt02119503
IRS990/LegalDomicileStateCd0VT
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt0125663
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A Credit Union. Not-for-profit corporation owned by its members and providing low cost financial services including loans and share-deposit services to its member-owners.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt09342567
IRS990/NetAssetsOrFundBalancesEOYAmt010918593
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt0-6735
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-6735
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt057754
IRS990/OfficeExpensesGrp/TotalAmt079458
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt098527
IRS990/OtherAssetsTotalGrp/EOYAmt0104337
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0103650
IRS990/OtherExpensesGrp/Desc0loan, debit card,and share draft processing
IRS990/OtherExpensesGrp/Desc1loan, share draft, and cash losses
IRS990/OtherExpensesGrp/Desc2Outside Services
IRS990/OtherExpensesGrp/TotalAmt0290228
IRS990/OtherExpensesGrp/TotalAmt176929
IRS990/OtherExpensesGrp/TotalAmt226583
IRS990/OtherLiabilitiesGrp/BOYAmt063876417
IRS990/OtherLiabilitiesGrp/EOYAmt067744711
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0621382
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt044343804
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt045002968
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt076784
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt035000
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt050680
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt051631
IRS990/PrincipalOfficerNm0Bryan Kent
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans to members
IRS990/ProgramServiceRevenueGrp/Desc1Fees and interchange income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02365966
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1412026
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02365966
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1412026
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0Maintenance of members' loan accounts. Number of accounts is 2,293. The credit union was rated as having the highest Return of Member value of any credit union in the nation as of March 2017 by Callahan & Associates, a national rating service. It continues to be ranked highly compared to all other credit unions.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01377072
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01338877
IRS990/PYOtherRevenueAmt031480
IRS990/PYProgramServiceRevenueAmt02481617
IRS990/PYRevenuesLessExpensesAmt0771133
IRS990/PYSalariesCompEmpBnftPaidAmt01780159
IRS990/PYTotalExpensesAmt03119036
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03890169
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0268286
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt01576026
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt0-6735
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09342567
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010918593
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011944932
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013329271
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0391198
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0501913
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0893111
IRS990ScheduleD/EquipmentGrp/BookValueAmt067994
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0168489
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0236483
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt018671000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1657672
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Bank and credit union certificates of deposit
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1National Credit Union Share Insurance Fund
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt0441435
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0441435
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0152587
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0395887
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0548474
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt019237912
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt18190889
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt28105
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt324349
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt47084759
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt523956402
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt69242295
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Regular share member savings
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Share draft checking accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Club share member savings
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA share accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA share term certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5Term share certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6Money market accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01053214
IRS990ScheduleD/TotalBookValueProgramRltdAmt019328672
IRS990ScheduleD/TotalLiabilityAmt067744711
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0117500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1121858
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount114269
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt012447
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt1100215
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Bryan Kent
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1JENNIFER TAYLOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO & Treasurer
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0129947
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1236342
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00

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