Civic Intelligence

One Credit Union

990 • Fiscal year 2016 • EIN 03-6008252

Jan 01, 2016 to Dec 31, 2016 • Filed on May 12, 2017

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

65th percentile

0.91x

Higher debt load relative to assets than 65% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

48th percentile

17.95x

Higher debt load relative to revenue than 48% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

1st percentile

-14%

Higher net margin than 1% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

6th percentile

$111,918

Higher top officer pay than 6% of similar nonprofits.

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

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

26th percentile

1.9%

Faster asset growth than 26% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

15th percentile

-0.1%

Faster revenue growth than 15% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets65th percentile

Assets

Up

$141,682,886

Up $2,626,094 (+1.9%) from 2015

Net Assets

Down

$13,440,073

Down $1,230,481 (-8.4%) from 2015

Liabilities

Up

$128,242,813

Up $3,856,575 (+3.1%) from 2015

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin1st percentile

Revenue

Down

$7,143,803

Down $5,314 (-0.1%) from 2015

Expenses

Up

$8,172,862

Up $1,348,173 (+20%) from 2015

Net Income

Down

-$1,029,059

Down $1,353,487 (-417%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth26th 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

2016

Assets$141,682,886
Liabilities$128,242,813
Net Assets$13,440,073
Open 2016 Filing

Operations Trend

Revenue Growth15th 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

2016

Revenue$7,143,803
Expenses$8,172,862
Net Income-$1,029,059
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 12, 2017
Return Version
2016v3.0
Gross Receipts
$7,315,801
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$93,121,499$98,635,887▲ $5,514,388
Savings and Temporary Cash Investments$35,687,910$18,645,412▼ $17,042,498
Investments in Publicly Traded Securities-$15,646,022-
Rtn Earn Endowment Incm Other Fnds$14,670,554$13,440,073▼ $1,230,481
Land, Buildings, and Equipment, Net$2,789,051$2,737,640▼ $51,411
Accounts Receivable$1,760,032$1,803,149▲ $43,117
Cash and Non-Interest-Bearing Accounts$1,874,493$1,423,416▼ $451,077
Prepaid Expenses and Deferred Charges$176,258$159,915▼ $16,343
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$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-
Loans From Officers Directors$0--
Total Assets$139,056,792$141,682,886▲ $2,626,094
Other Assets Total$3,647,549$2,631,445▼ $1,016,104
Liabilities
Other Liabilities$123,957,191$127,596,855▲ $3,639,664
Accounts Payable and Accrued Expenses$429,047$645,958▲ $216,911
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$124,386,238$128,242,813▲ $3,856,575
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,670,554$13,440,073▼ $1,230,481
Total Liabilities and Net Assets / Fund Balance$139,056,792$141,682,886▲ $2,626,094

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,774,132$1,467,793$3,241,925
Equipment$388,435$1,018,963$1,407,398
Land$575,073-$575,073
Leasehold Improvements$0$224,267$224,267
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay6th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Jerry CrossCEO/presidentFT$111,918$111,918
Brett a SmithCFOFT$100,142$100,142

Board Members and Trustees

NameTitle
Jeff TaftChairman/board of Directors
Richard NorthVice Chairperson, Director
Barbara MenardDirector
C Martin PrevostDirector
Jack MitchellDirector
John ClarkDirector
John PadgettDirector
Linda MooreSecretary,director
Robert ReardonTreasurer/board of Directors
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,950,217
Investment Income
$193,586
Other Revenue
$0
Change in Net Assets
$-1,029,059
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,645,624
Salaries, Compensation, and Employee Benefits$3,137,981
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,131,414
Other Expenses---$1,205,218
Office Expenses---$588,878
Fees for Services Other---$518,108
Other Employee Benefits---$513,426
Benefits to Members---$389,257
Occupancy---$335,520
Information Technology---$290,111
Payroll Taxes---$229,095
Current Officers, Directors, Trustees, and Key Employees---$212,060
Fees for Services Legal---$166,481
Advertising---$161,126
Depreciation Depletion---$91,432
Fees for Services Accounting---$91,012
Insurance---$75,642
Travel---$56,017
Pension Plan Contributions---$51,986
All Other Expenses---$24,511
Conferences and Meetings---$21,379
Total Functional Expenses$0$0$0$8,172,862
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-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$127,596,855
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

“MEMBERS”

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 is conducted with all members of the governing body”

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

“Lobby financials are posted monthly in each branch. Detailed financials and policies are available 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
2017-05-12

Organization Details

Principal Officer
Jerry C Cross
Formed
1952
Legal Domicile
Vt
Voting Board Members
9
Independent Board Members
9
Employees
63
Volunteers
12
Raw XML AppendixShowing 400 of 602 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
IRS990/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0429047
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0645958
IRS990/AccountsReceivableGrp/BOYAmt01760032
IRS990/AccountsReceivableGrp/EOYAmt01803149
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0PROVIDING FINANCIAL SERVICES
IRS990/AdvertisingGrp/TotalAmt0161126
IRS990/AllOtherExpensesGrp/TotalAmt024511
IRS990/AuditCommitteeInd00
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt0389257
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0ONE CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum08028864228
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0380 RIVER STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0SPRINGFIELD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0VT
IRS990/BooksInCareOfDetail/USAddress/ZIPCd005156
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01874493
IRS990/CashNonInterestBearingGrp/EOYAmt01423416
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0212060
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt021379
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt0389257
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0193586
IRS990/CYOtherExpensesAmt04645624
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt06950217
IRS990/CYRevenuesLessExpensesAmt0-1029059
IRS990/CYSalariesCompEmpBnftPaidAmt03137981
IRS990/CYTotalExpensesAmt08172862
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt07143803
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt091432
IRS990/Desc0THE 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.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt063
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt091012
IRS990/FeesForServicesLegalGrp/TotalAmt0166481
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0518108
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt945
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1045
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0JEFF TAFT
IRS990/Form990PartVIISectionAGrp/PersonNm1ROBERT REARDON
IRS990/Form990PartVIISectionAGrp/PersonNm2JOHN CLARK
IRS990/Form990PartVIISectionAGrp/PersonNm3JACK MITCHELL
IRS990/Form990PartVIISectionAGrp/PersonNm4RICHARD NORTH
IRS990/Form990PartVIISectionAGrp/PersonNm5LINDA MOORE
IRS990/Form990PartVIISectionAGrp/PersonNm6BARBARA MENARD
IRS990/Form990PartVIISectionAGrp/PersonNm7C MARTIN PREVOST
IRS990/Form990PartVIISectionAGrp/PersonNm8JOHN PADGETT
IRS990/Form990PartVIISectionAGrp/PersonNm9JERRY CROSS
IRS990/Form990PartVIISectionAGrp/PersonNm10BRETT A SMITH
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9111918
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10100142
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN/BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER/BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIRPERSON, DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5SECRETARY,DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO/PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-171998
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt07315801
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0290111
IRS990/InsuranceGrp/TotalAmt075642
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0365584
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0365584
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt015646022
IRS990/IRPDocumentCnt03677
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02711023
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02789051
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02737640
IRS990/LandBldgEquipCostOrOtherBssAmt05448663
IRS990/LegalDomicileStateCd0VT
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0171998
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingOtherInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt014670554
IRS990/NetAssetsOrFundBalancesEOYAmt013440073
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-171998
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-171998
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-201422
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0335520
IRS990/OfficeExpensesGrp/TotalAmt0588878
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03647549
IRS990/OtherAssetsTotalGrp/EOYAmt02631445
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0513426
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2CORE DEPOSIT INTANGIBLE
IRS990/OtherExpensesGrp/TotalAmt0650189
IRS990/OtherExpensesGrp/TotalAmt1370000
IRS990/OtherExpensesGrp/TotalAmt21205218
IRS990/OtherLiabilitiesGrp/BOYAmt0123957191
IRS990/OtherLiabilitiesGrp/EOYAmt0127596855
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt02131414
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt093121499
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt098635887
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0229095
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt051986
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0176258
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0159915
IRS990/PrincipalOfficerNm0JERRY C CROSS
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1PROGRAM SERVICE FESS
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04604510
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12345707
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04604510
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12345707
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0389881
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0245121
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt03395987
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt06903996
IRS990/PYRevenuesLessExpensesAmt0324428
IRS990/PYSalariesCompEmpBnftPaidAmt03038821
IRS990/PYTotalExpensesAmt06824689
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07149117
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-1029059
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/BOYAmt014670554
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt013440073
IRS990/SavingsAndTempCashInvstGrp/BOYAmt035687910
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018645412
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01774132
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01467793
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03241925
IRS990ScheduleD/EquipmentGrp/BookValueAmt0388435
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01018963
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01407398
IRS990ScheduleD/LandGrp/BookValueAmt0575073
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0575073
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0224267
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0224267
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0127596855
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02737640
IRS990ScheduleD/TotalLiabilityAmt0127596855
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt023360
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt138869
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2129
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt333939
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt419536
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt516943
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt6207200
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt715800
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt81407
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt9790
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt10942
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1157303
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1218340
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt13323
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt148449
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt15912
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1610241
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt17113601
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/BoardOrCommitteeApprovalInd111
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd121
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd131
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd141
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd151
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd161
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd171
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/DefaultInd110
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd120
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd130
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd140

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$141,682,886
Liabilities
$128,242,813
Net assets
$13,440,073
Revenue
$7,143,803
Expenses
$8,172,862
Net income
-$1,029,059
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
2016Detailed filing. Detailed filing data is available for this year.$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