Civic Intelligence

Arrha Credit Union

990 • Fiscal year 2013 • EIN 04-1859690

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 25, 2014

Organization ProfileWWW.STCU.COM

View Organization Page

145 Industry AvenueSpringfield, MA 01104

(877) 732-9812

Siviq Scores

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

Liabilities / Assets

80th percentile

0.92x

Higher debt load relative to assets than 80% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

72nd percentile

20.55x

Higher debt load relative to revenue than 72% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

56th percentile

12%

Higher net margin than 56% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

39th percentile

$170,295

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 3.3% of source-year revenue.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Asset Growth

44th percentile

2.3%

Faster asset growth than 44% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$115,908,009

Up $2,620,144 (+2.3%) from 2012

Net Assets

Up

$9,741,019

Up $90,841 (+0.9%) from 2012

Liabilities

Up

$106,166,990

Up $2,529,303 (+2.4%) from 2012

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin56th percentile

Revenue

$5,167,494

No earlier filing loaded for comparison.

Expenses

Down

$4,567,026

Down $431,520 (-8.6%) from 2012

Net Income

$600,468

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth44th percentile

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

$200M$150M$100M$50M$0Assets 2008: $95,353,711Liabilities 2008: $86,694,000Net Assets 2008: $8,659,7112008Assets 2010: $110,096,236Liabilities 2010: $102,051,621Net Assets 2010: $8,044,6152010Assets 2011: $112,483,044Liabilities 2011: $103,348,043Net Assets 2011: $9,135,0012011Assets 2012: $113,287,865Liabilities 2012: $103,637,687Net Assets 2012: $9,650,1782012Assets 2013: $115,908,009Liabilities 2013: $106,166,990Net Assets 2013: $9,741,0192013Assets 2014: $119,099,823Liabilities 2014: $108,376,116Net Assets 2014: $10,723,7072014Assets 2015: $121,280,949Liabilities 2015: $110,307,029Net Assets 2015: $10,973,9202015Assets 2016: $129,667,665Liabilities 2016: $118,744,921Net Assets 2016: $10,922,7442016Assets 2017: $129,895,386Liabilities 2017: $119,002,697Net Assets 2017: $10,892,6892017Assets 2018: $137,935,411Liabilities 2018: $126,930,917Net Assets 2018: $11,004,4942018Assets 2019: $132,123,310Liabilities 2019: $120,849,489Net Assets 2019: $11,273,8212019Assets 2020: $140,599,967Liabilities 2020: $129,078,897Net Assets 2020: $11,521,0702020Assets 2021: $139,155,575Liabilities 2021: $126,936,009Net Assets 2021: $12,219,5662021Assets 2022: $135,616,748Liabilities 2022: $123,605,208Net Assets 2022: $12,011,5402022Assets 2023: $138,908,918Liabilities 2023: $126,481,158Net Assets 2023: $12,427,7602023Assets 2024: $148,969,844Liabilities 2024: $136,547,616Net Assets 2024: $12,422,2282024Assets 2025: $159,059,488Liabilities 2025: $148,344,210Net Assets 2025: $10,715,2782025

Highlighted filing

2013

Assets$115,908,009
Liabilities$106,166,990
Net Assets$9,741,019
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$10M$5.0M$0-$5.0MExpenses 2008: $7,075,2362008Expenses 2010: $6,215,6432010Expenses 2011: $5,568,8312011Expenses 2012: $4,998,5462012Revenue 2013: $5,167,494Expenses 2013: $4,567,026Net Income 2013: $600,4682013Revenue 2014: $4,910,150Expenses 2014: $4,271,233Net Income 2014: $638,9172014Revenue 2015: $4,913,853Expenses 2015: $4,738,487Net Income 2015: $175,3662015Revenue 2016: $5,102,087Expenses 2016: $5,016,279Net Income 2016: $85,8082016Revenue 2017: $5,176,938Expenses 2017: $5,288,279Net Income 2017: -$111,3412017Revenue 2018: $5,182,233Expenses 2018: $4,943,089Net Income 2018: $239,1442018Revenue 2019: $5,566,826Expenses 2019: $5,576,602Net Income 2019: -$9,7762019Revenue 2020: $5,186,719Expenses 2020: $5,001,491Net Income 2020: $185,2282020Revenue 2021: $5,800,090Expenses 2021: $4,891,198Net Income 2021: $908,8922021Revenue 2022: $5,387,291Expenses 2022: $4,745,007Net Income 2022: $642,2842022Revenue 2023: $5,998,206Expenses 2023: $5,725,068Net Income 2023: $273,1382023Revenue 2024: $6,925,963Expenses 2024: $7,110,615Net Income 2024: -$184,6522024Revenue 2025: $8,019,673Expenses 2025: $9,989,372Net Income 2025: -$1,969,6992025

Highlighted filing

2013

Revenue$5,167,494
Expenses$4,567,026
Net Income$600,468
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 25, 2014
Return Version
2013v3.0
Gross Receipts
$9,853,996
Mission and Program Overview

Mission

Assist our members in reaching their financial goals by providing superior products and services in a personalized manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$75,596,390$77,418,412▲ $1,822,022
Investments Other Securities$26,809,100$26,495,600▼ $313,500
Rtn Earn Endowment Incm Other Fnds$9,650,178$9,741,019▲ $90,841
Investments in Publicly Traded Securities$5,062,205$5,546,776▲ $484,571
Savings and Temporary Cash Investments$2,109,448$2,653,700▲ $544,252
Land, Buildings, and Equipment, Net$1,737,936$1,625,448▼ $112,488
Cash and Non-Interest-Bearing Accounts$320,917$476,876▲ $155,959
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$113,287,865$115,908,009▲ $2,620,144
Other Assets Total$1,651,869$1,691,197▲ $39,328
Liabilities
Other Liabilities$102,923,057$105,406,769▲ $2,483,712
Accounts Payable and Accrued Expenses$437,708$431,693▼ $6,015
Escrow Account Liability$276,922$328,528▲ $51,606
Total Liabilities$103,637,687$106,166,990▲ $2,529,303
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,650,178$9,741,019▲ $90,841
Total Liabilities and Net Assets / Fund Balance$113,287,865$115,908,009▲ $2,620,144

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,161,550$1,259,377$2,420,927
Equipment$213,036$1,323,135$1,536,171
Leasehold Improvements$133,139$453,338$586,477
Land$117,723-$117,723
Other Securities$184,900--
Compensation and Service Providers
Top Officer Pay39th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael OstrowskiPresident and CEOFT$157,086$13,209$170,295
G R KeyesVice President and CFOFT$100,678$8,662$109,340
Antonio FilipeVice President and CLOFT$84,459$12,156$96,615
Jennifer BeylardVice President of OperationsFT$77,736$14,650$92,386
Maria LopezAssistant Vice PresidentFT$63,225$5,789$69,014

Board Members and Trustees

NameTitle
Norman HallsChairperson
Lynn BoscherVice Chairman
Awilda Chaban-colonDirector
Matthew DowdDirector
Peter LappinDirector
Roland JoyalDirector
Sidney SneggDirector
Todd CieplinskiDirector
Ruby KellyDirector, Temporary Secretary
Kenneth KetchumDirector/assistant Treasurer
John McdowellDirector/secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,458,283
Investment Income
$647,059
Other Revenue
$62,152
Change in Net Assets
$600,468

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,167,494
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$5,167,494
Total Revenue per Form 990
$5,167,494
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,792,249
Salaries, Compensation, and Employee Benefits$1,774,777
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$880,062
Interest---$800,593
Current Officers, Directors, Trustees, and Key Employees---$537,650
Occupancy---$225,523
Office Expenses---$220,760
Depreciation Depletion---$183,651
Other Employee Benefits---$181,173
Other Expenses---$169,207
Payroll Taxes---$121,820
Advertising---$117,982
All Other Expenses---$102,201
Fees for Services Accounting---$85,828
Pension Plan Contributions---$54,072
Travel---$48,864
Fees for Services Other---$19,552
Conferences and Meetings---$13,397
Fees for Services Legal---$9,717
Insurance---$2,914
Total Functional Expenses$0$0$0$4,567,026

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,567,026
Total Expenses per Audited Statements$4,567,026
Total Expenses per Form 990$4,567,026
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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
Member Deposits$104,409,769
Non-member Deposits$997,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Depositors with a minimum balance of $25 in their savings account are members.”

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

“The board of directors are voted by the members at the annual meeting.”

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

“Election of directors, charter changes and mergers require a vote by the members in person.”

Form 990, Part VI, Section B, Line 11

“The board of directors has delegated authority for the review of the form 990 to the chief financial officer (cfo) and chief executive officer (ceo). The cfo engages the services of an independent accounting firm for the preparation of the form 990. Upon completion, the form 990 is reviewed by the cfo and ceo, signed by the ceo and filed with the irs. A copy of the form 990 is provided to the board of directors for their review after the form 990 has been filed.”

Form 990, Part VI, Section B, Line 15

“The credit union uses compensation survey's for general pay scales and for comparable compensation for similar persons. The board of directors are required to approve the compensation agreements at meetings of which records are kept.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted monthly in the lobby of the credit union. The credit union does not make its governing documents and conflict of interest policy available to the general public.”

Filing and Contact Details

Filer

EIN
04-1859690
Phone
8777329812

Signing Officer

Name
Michael S Ostrowski
Title
CEO
Phone
8777329812
Signed
2014-03-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael S Ostrowski
Formed
1929
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
11
Employees
36
Volunteers
0

Preparer

Preparer
David J Keyo Jr CPA
Phone
6176968900
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“The audit committee is responsible for the approval and selection of the independent auditors. The audit committee oversees the audit process and approves the audited financial statements on behalf of the credit union.”

Raw XML AppendixShowing 400 of 472 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/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR/ASSISTANT TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR/SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR, TEMPORARY SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE PRESIDENT OF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE PRESIDENT AND CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt13PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VICE PRESIDENT AND CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt15ASSISTANT VICE PRESIDENT
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IRS990/MissionDesc0ASSIST OUR MEMBERS IN REACHING THEIR FINANCIAL GOALS BY PROVIDING SUPERIOR PRODUCTS AND SERVICES IN A PERSONALIZED MANNER.
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IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DATA PROCESSING
IRS990/OtherExpensesGrp/Desc2ATM EXPENSE
IRS990/OtherExpensesGrp/Desc3OTHER EXPENSES
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IRS990/OtherExpensesGrp/TotalAmt1298202
IRS990/OtherExpensesGrp/TotalAmt2183504
IRS990/OtherExpensesGrp/TotalAmt3169207
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IRS990/OtherSalariesAndWagesGrp/TotalAmt0880062
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt075596390
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt077418412
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IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0121820
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IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt054072
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0MICHAEL S OSTROWSKI
IRS990/ProfessionalFundraisingInd00
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IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03792710
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1665573
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03792710
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1665573
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IRS990/PYContributionsGrantsAmt00
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IRS990/PYProgramServiceRevenueAmt04752609
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IRS990/PYTotalExpensesAmt04998546
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05675012
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0600468
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt04635465
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09650178
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09741019
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02109448
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02653700
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01161550
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01259377
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02420927
IRS990ScheduleD/EquipmentGrp/BookValueAmt0213036
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01323135
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01536171
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0117723
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0133139
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0453338
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0586477
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0104409769
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1997000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1NON-MEMBER DEPOSITS
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1501700
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2184900
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CORPORATE CREDIT UNION MEMBERSHIP CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc2FHLB CAPITAL STOCK
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
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IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt05167494
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01625448
IRS990ScheduleD/TotalBookValueSecuritiesAmt026495600
IRS990ScheduleD/TotalExpensesPerForm990Amt04567026
IRS990ScheduleD/TotalLiabilityAmt0105406769
IRS990ScheduleD/TotalRevenuePerForm990Amt05167494
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt05167494
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt04567026
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHAEL OSTROWSKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT AND CEO
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
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IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
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IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DEPOSITORS WITH A MINIMUM BALANCE OF $25 IN THEIR SAVINGS ACCOUNT ARE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE VOTED BY THE MEMBERS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ELECTION OF DIRECTORS, CHARTER CHANGES AND MERGERS REQUIRE A VOTE BY THE MEMBERS IN PERSON.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS HAS DELEGATED AUTHORITY FOR THE REVIEW OF THE FORM 990 TO THE CHIEF FINANCIAL OFFICER (CFO) AND CHIEF EXECUTIVE OFFICER (CEO). THE CFO ENGAGES THE SERVICES OF AN INDEPENDENT ACCOUNTING FIRM FOR THE PREPARATION OF THE FORM 990. UPON COMPLETION, THE FORM 990 IS REVIEWED BY THE CFO AND CEO, SIGNED BY THE CEO AND FILED WITH THE IRS. A COPY OF THE FORM 990 IS PROVIDED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW AFTER THE FORM 990 HAS BEEN FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION USES COMPENSATION SURVEY'S FOR GENERAL PAY SCALES AND FOR COMPARABLE COMPENSATION FOR SIMILAR PERSONS. THE BOARD OF DIRECTORS ARE REQUIRED TO APPROVE THE COMPENSATION AGREEMENTS AT MEETINGS OF WHICH RECORDS ARE KEPT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED MONTHLY IN THE LOBBY OF THE CREDIT UNION. THE CREDIT UNION DOES NOT MAKE ITS GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY AVAILABLE TO THE GENERAL PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE AUDIT COMMITTEE IS RESPONSIBLE FOR THE APPROVAL AND SELECTION OF THE INDEPENDENT AUDITORS. THE AUDIT COMMITTEE OVERSEES THE AUDIT PROCESS AND APPROVES THE AUDITED FINANCIAL STATEMENTS ON BEHALF OF THE CREDIT UNION.
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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XII, LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$115,908,009
Liabilities
$106,166,990
Net assets
$9,741,019
Revenue
$5,167,494
Expenses
$4,567,026
Net income
$600,468
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$159$148$10.7$8.02$9.99$1.97
2024Detailed filing. Detailed filing data is available for this year.$149$137$12.4$6.93$7.11$0.18
2023Detailed filing. Detailed filing data is available for this year.$139$126$12.4$6.00$5.73$0.27
2022Detailed filing. Detailed filing data is available for this year.$136$124$12.0$5.39$4.75$0.64
2021Detailed filing. Detailed filing data is available for this year.$139$127$12.2$5.80$4.89$0.91
2020Detailed filing. Detailed filing data is available for this year.$141$129$11.5$5.19$5.00$0.19
2019Detailed filing. Detailed filing data is available for this year.$132$121$11.3$5.57$5.58$0.01
2018Detailed filing. Detailed filing data is available for this year.$138$127$11.0$5.18$4.94$0.24
2017Detailed filing. Detailed filing data is available for this year.$130$119$10.9$5.18$5.29$0.11
2016Detailed filing. Detailed filing data is available for this year.$130$119$10.9$5.10$5.02$0.09
2015Summary only. Only limited summary data is available for this year.$121$110$11.0$4.91$4.74$0.18
2014Detailed filing. Detailed filing data is available for this year.$119$108$10.7$4.91$4.27$0.64
2013Detailed filing. Detailed filing data is available for this year.$116$106$9.74$5.17$4.57$0.60
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$113$104$9.65$5.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$112$103$9.14$5.57
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$110$102$8.04$6.22
2008Facts available. Structured filing facts are available, but richer extracted sections are limited.$95.4$86.7$8.66$7.08
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