Civic Intelligence

Arrha Credit Union

990 • Fiscal year 2016 • EIN 04-1859690

Jan 01, 2016 to Dec 31, 2016 • Filed on Mar 31, 2017

Organization ProfileWWW.ARRHACU.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

82nd percentile

0.92x

Higher debt load relative to assets than 82% of similar nonprofits.

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

Liabilities / Revenue

83rd percentile

23.27x

Higher debt load relative to revenue than 83% of similar nonprofits.

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

Net Margin

11th percentile

1.7%

Higher net margin than 11% of similar nonprofits.

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

Top Officer Pay

46th percentile

$191,115

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 3.7% of source-year revenue.

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

Asset Growth

74th percentile

6.9%

Faster asset growth than 74% of similar nonprofits.

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

Revenue Growth

37th percentile

3.8%

Faster revenue growth than 37% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$129,667,665

Up $8,386,716 (+6.9%) from 2015

Net Assets

Down

$10,922,744

Down $51,176 (-0.5%) from 2015

Liabilities

Up

$118,744,921

Up $8,437,892 (+7.6%) from 2015

Revenue And Expenses
Liabilities / Revenue83rd percentileNet Margin11th percentile

Revenue

Up

$5,102,087

Up $188,234 (+3.8%) from 2015

Expenses

Up

$5,016,279

Up $277,792 (+5.9%) from 2015

Net Income

Down

$85,808

Down $89,558 (-51%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth74th 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

2016

Assets$129,667,665
Liabilities$118,744,921
Net Assets$10,922,744
Open 2016 Filing

Operations Trend

Revenue Growth37th percentile

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

2016

Revenue$5,102,087
Expenses$5,016,279
Net Income$85,808
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 31, 2017
Return Version
2016v3.0
Gross Receipts
$7,583,591
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$75,140,107$83,665,108▲ $8,525,001
Investments Other Securities$33,482,783$31,292,903▼ $2,189,880
Rtn Earn Endowment Incm Other Fnds$10,973,920$10,922,744▼ $51,176
Investments in Publicly Traded Securities$4,952,860$7,757,580▲ $2,804,720
Land, Buildings, and Equipment, Net$2,054,101$2,888,398▲ $834,297
Savings and Temporary Cash Investments$3,137,907$1,312,196▼ $1,825,711
Cash and Non-Interest-Bearing Accounts$759,744$696,049▼ $63,695
Receivables From Officers Etc$86,974$285,108▲ $198,134
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$121,280,949$129,667,665▲ $8,386,716
Other Assets Total$1,666,473$1,770,323▲ $103,850
Liabilities
Other Liabilities$105,901,216$117,310,266▲ $11,409,050
Accounts Payable and Accrued Expenses$530,155$538,159▲ $8,004
Mortgage Notes Payable Secured by Investment Property$3,500,000$500,000▼ $3,000,000
Escrow Account Liability$375,658$396,496▲ $20,838
Total Liabilities$110,307,029$118,744,921▲ $8,437,892
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,973,920$10,922,744▼ $51,176
Total Liabilities and Net Assets / Fund Balance$121,280,949$129,667,665▲ $8,386,716

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,164,805$1,491,295$3,656,100
Equipment$261,863$1,209,264$1,471,127
Land$590,665-$590,665
Leasehold Improvements$-128,935$146,372$17,437
Other Securities$306,600--
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael OstrowskiPresident and CEOFT$168,467$22,648$191,115
G R KeyesVice President and CFOFT$107,304$9,285$116,589
Jennifer BeylardVice President of OperatioFT$84,212$15,685$99,897
Ana FrascoVice President and CLOFT$73,441$17,168$90,609

Board Members and Trustees

NameTitle
Todd CieplinskiChairman
Bradford CampbellVice Chairman
Bryan KayeDirector
Fred BlanchardDirector
Matthew DowdDirector
Michelle CoveDirector
Peter LappinDirector
Robin Bailey-sanchezDirector
Roland JoyalDirector
Nicholas LapierAssistant Treasurer
Justin HurstSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,232,020
Investment Income
$807,150
Other Revenue
$62,917
Change in Net Assets
$85,808

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,102,087
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$5,102,087
Total Revenue per Form 990
$5,102,087
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,798,438
Salaries, Compensation, and Employee Benefits$2,217,841
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,222,254
Interest---$727,091
Current Officers, Directors, Trustees, and Key Employees---$498,210
Office Expenses---$271,816
Other Employee Benefits---$258,335
Occupancy---$258,082
Depreciation Depletion---$212,671
Payroll Taxes---$157,348
Other Expenses---$154,322
Advertising---$144,426
Fees for Services Other---$96,568
Fees for Services Accounting---$85,349
Pension Plan Contributions---$81,694
All Other Expenses---$38,467
Travel---$36,611
Fees for Services Legal---$19,851
Conferences and Meetings---$12,369
Total Functional Expenses$0$0$0$5,016,279

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,016,279
Total Expenses per Audited Statements$5,016,279
Total Expenses per Form 990$5,016,279
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$86,974$285,108▲ $198,134
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$116,965,266
Non-member Deposits$345,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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 11B

“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 12C

“Management monitors the accounts payable vendors each month for entities known to be related to board members. Management also requests that a board member abstain from voting when a related party is involved in the pending transaction.”

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.”

Form 990, Part VI, Line 12C

“The board of directors annually must disclose any conflicts of interest on an annual basis.”

Filing and Contact Details

Filer

Filer Name
Arrha Credit Union
EIN
04-1859690
Phone
8777329812
Address
145 INDUSTRY AVENUE, SPRINGFIELD, MA 01104

Signing Officer

Name
Michael S Ostrowski
Title
CEO
Phone
8777329812
Signed
2017-03-31
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
44
Volunteers
0

Preparer

Firm
Gt Reilly & Company
Address
424 ADAMS STREET, MILTON, MA 02186
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 495 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8ASSISTANT TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt9SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE PRESIDENT OF OPERATIO
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE PRESIDENT AND CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt13PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VICE PRESIDENT AND CLO
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IRS990/FSAuditedInd01
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IRS990/GainOrLossGrp/SecuritiesAmt014500
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt02155806
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0409500
IRS990/GrossReceiptsAmt07583591
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IRS990/IndoorTanningServicesInd00
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IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InterestGrp/TotalAmt0727091
IRS990/InvestmentIncomeGrp/ExclusionAmt0723348
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0723348
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IRS990/LandBldgEquipCostOrOtherBssAmt05735329
IRS990/LegalDomicileStateCd0MA
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IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0395000
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IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0ASSIST OUR MEMBERS IN REACHING THEIR FINANCIAL GOALS BY PROVIDING SUPERIOR PRODUCTS AND SERVICES IN A PERSONALIZED MANNER.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0500000
IRS990/NetAssetsOrFundBalancesBOYAmt010973920
IRS990/NetAssetsOrFundBalancesEOYAmt010922744
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt083802
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt083802
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-136984
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0258082
IRS990/OfficeExpensesGrp/TotalAmt0271816
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01666473
IRS990/OtherAssetsTotalGrp/EOYAmt01770323
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0258335
IRS990/OtherExpensesGrp/Desc0DATA PROCESSING
IRS990/OtherExpensesGrp/Desc1ATM EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3OTHER EXPENSES
IRS990/OtherExpensesGrp/TotalAmt0354533
IRS990/OtherExpensesGrp/TotalAmt1224517
IRS990/OtherExpensesGrp/TotalAmt2161765
IRS990/OtherExpensesGrp/TotalAmt3154322
IRS990/OtherLiabilitiesGrp/BOYAmt0105901216
IRS990/OtherLiabilitiesGrp/EOYAmt0117310266
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IRS990/OtherRevenueMiscGrp/Desc0MISC. INCOME
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt062917
IRS990/OtherRevenueTotalAmt062917
IRS990/OtherSalariesAndWagesGrp/TotalAmt01222254
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt075140107
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt083665108
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0157348
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt081694
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0MICHAEL S OSTROWSKI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03549856
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1682164
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03549856
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1682164
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0708342
IRS990/PYOtherExpensesAmt02559408
IRS990/PYOtherRevenueAmt060406
IRS990/PYProgramServiceRevenueAmt04145105
IRS990/PYRevenuesLessExpensesAmt0175366
IRS990/PYSalariesCompEmpBnftPaidAmt02179079
IRS990/PYTotalExpensesAmt04738487
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04913853
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt086974
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0285108
IRS990/ReconcilationRevenueExpnssAmt085808
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt04378739
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010973920
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010922744
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03137907
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01312196
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02164805
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01491295
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03656100
IRS990ScheduleD/EquipmentGrp/BookValueAmt0261863
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01209264
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01471127
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt05016279
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0590665
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0590665
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0-128935
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0146372
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt017437
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0116965266
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1345000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1NON-MEMBER DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt030617103
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1369200
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2306600
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
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt05102087
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02888398
IRS990ScheduleD/TotalBookValueSecuritiesAmt031292903
IRS990ScheduleD/TotalExpensesPerForm990Amt05016279
IRS990ScheduleD/TotalLiabilityAmt0117310266
IRS990ScheduleD/TotalRevenuePerForm990Amt05102087
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt05102087
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt05016279
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0168467
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt013532
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt09116
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHAEL OSTROWSKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT AND CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0191115
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0IN SEPTEMBER 2015, THE CREDIT UNION ENTERED INTO A SPLIT DOLLAR LOAN AGREEMENT WITH A MEMBER OF THE EXECUTIVE MANAGEMENT TEAM. THE POLICY IS OWNED BY THE EXECUTIVE WHO HAS SOLE CONTROL OVER THE LISTED BENEFICIARIES. AT THE TIME OF THE EXECUTIVE'S DEATH, THE UNPAID PRINCIPAL AND INTEREST BECOME DUE AND PAYABLE AND WILL BE PAID WITH THE DEATH BENEFIT OF THE LIFE INSURANCE POLICY. THE BENEFIT TO BE PROVIDED TO THE EXECUTIVE IS SUBJECT TO A VESTING SCHEDULE AS DEFINED IN THE AGREEMENT.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0285108
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SPLIT DOLLAR LOAN AGREEMENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0500000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0MICHAEL OSTROWSKI
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt0285108
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.

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Filings

Displayed year

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

Open filing
Assets
$129,667,665
Liabilities
$118,744,921
Net assets
$10,922,744
Revenue
$5,102,087
Expenses
$5,016,279
Net income
$85,808
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
Peer Organizations

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