Civic Intelligence

One Credit Union

990 • Fiscal year 2014 • EIN 03-6008252

Jan 01, 2014 to Dec 31, 2014 • Filed on Aug 14, 2015

Organization Profilewww.onecu.org

View Organization Page

380 River StreetSpringfield, VT 05156

(802) 886-4228

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

43rd percentile

0.89x

Higher debt load relative to assets than 43% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

45th percentile

17.74x

Higher debt load relative to revenue than 45% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

15th percentile

3.7%

Higher net margin than 15% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

5th percentile

$105,893

Higher top officer pay than 5% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

21st percentile

0.9%

Faster asset growth than 21% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

88th percentile

9.8%

Faster revenue growth than 88% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$132,333,212

Up $1,160,284 (+0.9%) from 2013

Net Assets

Down

$14,695,481

Down $68,567 (-0.5%) from 2013

Liabilities

Up

$117,637,731

Up $1,228,851 (+1.1%) from 2013

Revenue And Expenses
Liabilities / Revenue45th percentileNet Margin15th percentile

Revenue

Up

$6,629,428

Up $590,354 (+9.8%) from 2013

Expenses

Up

$6,387,447

Up $381,851 (+6.4%) from 2013

Net Income

Up

$241,981

Up $208,503 (+623%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth21st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$300M$200M$100M$0Assets 2010: $114,433,107Liabilities 2010: $102,116,538Net Assets 2010: $12,316,5692010Assets 2011: $123,886,563Liabilities 2011: $108,846,684Net Assets 2011: $15,039,8792011Assets 2012: $130,460,265Liabilities 2012: $115,476,306Net Assets 2012: $14,983,9592012Assets 2013: $131,172,928Liabilities 2013: $116,408,880Net Assets 2013: $14,764,0482013Assets 2014: $132,333,212Liabilities 2014: $117,637,731Net Assets 2014: $14,695,4812014Assets 2015: $139,056,792Liabilities 2015: $124,386,238Net Assets 2015: $14,670,5542015Assets 2016: $141,682,886Liabilities 2016: $128,242,813Net Assets 2016: $13,440,0732016Assets 2017: $153,738,072Liabilities 2017: $139,646,778Net Assets 2017: $14,091,2942017Assets 2018: $170,480,780Liabilities 2018: $155,654,270Net Assets 2018: $14,826,5102018Assets 2019: $174,974,821Liabilities 2019: $159,145,179Net Assets 2019: $15,829,6422019Assets 2020: $209,809,896Liabilities 2020: $193,309,894Net Assets 2020: $16,500,0022020Assets 2021: $231,054,967Liabilities 2021: $214,727,977Net Assets 2021: $16,326,9902021Assets 2022: $245,966,696Liabilities 2022: $231,717,004Net Assets 2022: $14,249,6922022Assets 2023: $245,207,861Liabilities 2023: $230,160,480Net Assets 2023: $15,047,3812023Assets 2024: $259,160,000Liabilities 2024: $244,055,244Net Assets 2024: $15,104,7562024

Highlighted filing

2014

Assets$132,333,212
Liabilities$117,637,731
Net Assets$14,695,481
Open 2014 Filing

Operations Trend

Revenue Growth88th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $5,397,6592010Revenue 2011: $5,031,501Expenses 2011: $5,851,507Net Income 2011: -$820,0062011Expenses 2012: $5,314,2992012Revenue 2013: $6,039,074Expenses 2013: $6,005,596Net Income 2013: $33,4782013Revenue 2014: $6,629,428Expenses 2014: $6,387,447Net Income 2014: $241,9812014Revenue 2015: $7,149,117Expenses 2015: $6,824,689Net Income 2015: $324,4282015Revenue 2016: $7,143,803Expenses 2016: $8,172,862Net Income 2016: -$1,029,0592016Revenue 2017: $7,883,791Expenses 2017: $7,302,284Net Income 2017: $581,5072017Revenue 2018: $10,116,717Expenses 2018: $9,243,254Net Income 2018: $873,4632018Revenue 2019: $9,478,599Expenses 2019: $8,862,435Net Income 2019: $616,1642019Revenue 2020: $9,334,014Expenses 2020: $8,820,127Net Income 2020: $513,8872020Revenue 2021: $9,424,805Expenses 2021: $8,824,768Net Income 2021: $600,0372021Revenue 2022: $11,338,999Expenses 2022: $9,466,832Net Income 2022: $1,872,1672022Revenue 2023: $14,131,695Expenses 2023: $13,373,646Net Income 2023: $758,0492023Revenue 2024: $15,425,844Expenses 2024: $15,723,923Net Income 2024: -$298,0792024

Highlighted filing

2014

Revenue$6,629,428
Expenses$6,387,447
Net Income$241,981
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Aug 14, 2015
Return Version
2014v5.0
Gross Receipts
$6,629,428
Mission and Program Overview

Mission

The purpose of this credit union is to promote thrift among its members by affording them an opportunity for accumulating their savings, to create for them a source of credit for provident or productive purposes at a reasonable rate of interest, and to provide the opportunity for the members to use and control their money for their mutual benefit.

Providing financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$85,287,919$86,548,886▲ $1,260,967
Savings and Temporary Cash Investments$38,255,177$35,983,181▼ $2,271,996
Rtn Earn Endowment Incm Other Fnds$14,764,048$14,695,481▼ $68,567
Land, Buildings, and Equipment, Net$2,933,086$2,861,109▼ $71,977
Cash and Non-Interest-Bearing Accounts$1,372,662$2,222,725▲ $850,063
Accounts Receivable$47,262$979,110▲ $931,848
Prepaid Expenses and Deferred Charges$120,287$103,485▼ $16,802
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors-$0-
Total Assets$131,172,928$132,333,212▲ $1,160,284
Other Assets Total$3,156,535$3,634,716▲ $478,181
Liabilities
Other Liabilities$116,051,067$117,285,441▲ $1,234,374
Accounts Payable and Accrued Expenses$357,813$352,290▼ $5,523
Grants Payable-$0-
Mortgage Notes Payable Secured by Investment Property-$0-
Unsecured Notes Loans Payable-$0-
Deferred Revenue-$0-
Escrow Account Liability-$0-
Tax Exempt Bond Liabilities-$0-
Total Liabilities$116,408,880$117,637,731▲ $1,228,851
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,764,048$14,695,481▼ $68,567
Total Liabilities and Net Assets / Fund Balance$131,172,928$132,333,212▲ $1,160,284

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,814,350$1,290,715$3,105,065
Equipment$433,112$618,560$1,051,672
Land$575,073-$575,073
Leasehold Improvements$38,574$185,693$224,267
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay5th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Jerry CrossCEO/presidentFT$105,893$105,893

Board Members and Trustees

NameTitle
Jeff TaftChairman/board of Directors
Richard NorthVice Chairperson, Board Member
Barbara MenardDirector
C Martin PrevostDirector
John ClarkDirector
Jack MitchellDirectors
Linda MooreSecretary, Board Member
Robert ReardonTreasurer/board of Directors
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,385,754
Investment Income
$243,674
Other Revenue
$0
Change in Net Assets
$241,981
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,991,077
Other Expenses$2,959,415
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,249,658
Fees for Services Other---$641,179
Office Expenses---$621,541
Other Employee Benefits---$485,166
Benefits to Members---$436,955
Information Technology---$304,316
Occupancy---$278,064
Payroll Taxes---$220,115
Other Expenses---$186,378
Fees for Services Legal---$172,483
Advertising---$150,424
Depreciation Depletion---$83,960
Insurance---$67,135
Fees for Services Accounting---$66,283
Travel---$41,451
Pension Plan Contributions---$36,138
All Other Expenses---$23,650
Interest---$6
Total Functional Expenses$0$0$0$6,387,447
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
Loans from Officers, Directors, Trustees, and Key Employees-$0-
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$117,285,441
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“MEMBER”

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

“Members elect the board of directors at the annual membership meeting”

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

“No formal review was conducted with all members of the governing body”

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

“Policy is reviewed annually”

Form 990, Part VI, Section B, Line 15

“The governing body set the compensation level for the ceo using industry salary data and cost of living indexes.”

Form 990, Part VI, Section C, Line 19

“UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
One Credit Union
EIN
03-6008252
Phone
8028864228
Address
380 RIVER STREET, SPRINGFIELD, VT 05156

Signing Officer

Name
Rhoda Stevens
Title
Accountant
Phone
8028864228
Signed
2015-08-14

Organization Details

Principal Officer
Jerry Cross
Formed
1952
Legal Domicile
Vt
Voting Board Members
8
Independent Board Members
8
Employees
64
Volunteers
12
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“NEW CORE SYSTEM EXPENSES”

Form 990, Part XI, Line 9

“2013 was reviewed by cpa firm and entries were made in 2014”

Raw XML AppendixShowing 400 of 525 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/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt014764048
IRS990/NetAssetsOrFundBalancesEOYAmt014695481
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-212200
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0278064
IRS990/OfficeExpensesGrp/TotalAmt0621541
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03156535
IRS990/OtherAssetsTotalGrp/EOYAmt03634716
IRS990/OtherChangesInNetAssetsAmt0-98348
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0485166
IRS990/OtherExpensesGrp/Desc0LOAN SERVICE EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt0322545
IRS990/OtherExpensesGrp/TotalAmt1186378
IRS990/OtherLiabilitiesGrp/BOYAmt0116051067
IRS990/OtherLiabilitiesGrp/EOYAmt0117285441
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt02249658
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt085287919
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt086548886
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0220115
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt036138
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0120287
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0103485
IRS990/PrincipalOfficerNm0JERRY CROSS
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1PROGRAM SERVICE FEES
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04205111
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12180643
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04205111
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12180643
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0524818
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0244271
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt02598688
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt05794803
IRS990/PYRevenuesLessExpensesAmt033478
IRS990/PYSalariesCompEmpBnftPaidAmt02882090
IRS990/PYTotalExpensesAmt06005596
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt06039074
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0241981
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/BOYAmt014764048
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014695481
IRS990/SavingsAndTempCashInvstGrp/BOYAmt038255177
IRS990/SavingsAndTempCashInvstGrp/EOYAmt035983181
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01814350
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01290715
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03105065
IRS990ScheduleD/EquipmentGrp/BookValueAmt0433112
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0618560
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01051672
IRS990ScheduleD/LandGrp/BookValueAmt0575073
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0575073
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt038574
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0185693
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0224267
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0117285441
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02861109
IRS990ScheduleD/TotalLiabilityAmt0117285441
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt021051
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11210
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2256
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt338933
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4250887
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt518200
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt62100
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt711825
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt86518
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt92211
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt101133
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd81
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd91
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd101
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd70
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd80
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd90
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd100
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0HOME EQUITY LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1NEW AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2VISA CREDIT CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3HOME EQUITY LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5HOME EQUITY LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6USED AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7NEW AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8HOME EQUITY LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9VISA CREDIT CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10VISA CREDIT CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt030000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt115000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt23000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt340000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt4325000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt520000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt63578
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt730673
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt867000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt92500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1010000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JOHN S CLARK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1BARBARA L MENARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2WILLIAM MITCHELL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3LINDA S MOORE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4LINDA S MOORE

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$132,333,212
Liabilities
$117,637,731
Net assets
$14,695,481
Revenue
$6,629,428
Expenses
$6,387,447
Net income
$241,981
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$259$244$15.1$15.4$15.7$0.30
2023Detailed filing. Detailed filing data is available for this year.$245$230$15.0$14.1$13.4$0.76
2022Detailed filing. Detailed filing data is available for this year.$246$232$14.2$11.3$9.47$1.87
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$231$215$16.3$9.42$8.82$0.60
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$210$193$16.5$9.33$8.82$0.51
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$175$159$15.8$9.48$8.86$0.62
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$170$156$14.8$10.1$9.24$0.87
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$154$140$14.1$7.88$7.30$0.58
2016Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$142$128$13.4$7.14$8.17$1.03
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$139$124$14.7$7.15$6.82$0.32
2014Detailed filing. Detailed filing data is available for this year.$132$118$14.7$6.63$6.39$0.24
2013Detailed filing. Detailed filing data is available for this year.$131$116$14.8$6.04$6.01$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$115$15.0$5.31
2011Summary only. Only limited summary data is available for this year.$124$109$15.0$5.03$5.85$0.82
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$114$102$12.3$5.40