Form 990, Part VI, Section A, Line 6
“Depositors with a minimum balance of $25 in their savings account are members.”
Siviq Scores
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Balance Sheet
Assets
Flat$137,935,411
Flat from 2018
Net Assets
Flat$11,004,494
Flat from 2018
Liabilities
Flat$126,930,917
Flat from 2018
Revenue And Expenses
Revenue
Flat$5,182,233
Flat from 2018
Expenses
Flat$4,943,089
Flat from 2018
Net Income
Flat$239,144
Flat from 2018
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2018 to Dec 31, 2018
- Signed
- Feb 22, 2019
- Return Version
- 2018v3.1
- Gross Receipts
- $6,081,184
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
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $86,084,796 | $94,216,008 | ▲ $8,131,212 |
| Investments Other Securities | $27,865,834 | $24,529,758 | ▼ $3,336,076 |
| Rtn Earn Endowment Incm Other Fnds | $10,892,689 | $11,004,494 | ▲ $111,805 |
| Investments in Publicly Traded Securities | $8,515,361 | $8,020,512 | ▼ $494,849 |
| Savings and Temporary Cash Investments | $1,403,165 | $3,642,373 | ▲ $2,239,208 |
| Land, Buildings, and Equipment, Net | $2,935,309 | $2,823,161 | ▼ $112,148 |
| Receivables From Officers Etc | $485,881 | $2,225,412 | ▲ $1,739,531 |
| Cash and Non-Interest-Bearing Accounts | $696,781 | $572,990 | ▼ $123,791 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $129,895,386 | $137,935,411 | ▲ $8,040,025 |
| Other Assets Total | $1,908,259 | $1,905,197 | ▼ $3,062 |
| Liabilities | |||
| Other Liabilities | $110,354,860 | $108,736,086 | ▼ $1,618,774 |
| Mortgage Notes Payable Secured by Investment Property | $7,500,000 | $17,500,000 | ▲ $10,000,000 |
| Escrow Account Liability | $423,580 | $420,630 | ▼ $2,950 |
| Accounts Payable and Accrued Expenses | $724,257 | $274,201 | ▼ $450,056 |
| Total Liabilities | $119,002,697 | $126,930,917 | ▲ $7,928,220 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $10,892,689 | $11,004,494 | ▲ $111,805 |
| Total Liabilities and Net Assets / Fund Balance | $129,895,386 | $137,935,411 | ▲ $8,040,025 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,811,942 | $1,859,597 | $3,671,539 |
| Equipment | $420,554 | $1,372,162 | $1,792,716 |
| Land | $590,665 | - | $590,665 |
| Other Securities | $55,000 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Michael Ostrowski | President and CEO | FT | $176,347 | $16,613 | $192,960 |
| John Lund | CFO | FT | $107,000 | $14,436 | $121,436 |
| Alison Harland | Vice President Lending | FT | $105,187 | $16,003 | $121,190 |
| Jennifer Beylard | Vice President of Operation | FT | $86,438 | $17,563 | $104,001 |
Board Members and Trustees
| Name | Title |
|---|---|
| Bradford Campbell | Chairman |
| Todd Cieplinski | Vice Chairman |
| Christopher T Connelly | Director |
| Erin Panteleakis | Director |
| Michelle Cove | Director |
| Peter Lappin | Director |
| Robert Legalos | Director |
| Steven Rovithis | Director |
| Nicholas Lapier | Assistant Treasurer |
| Justin Hurst | Secretary |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $4,279,876
- Investment Income
- $733,615
- Other Revenue
- $168,742
- Change in Net Assets
- $239,144
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $5,182,233
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Total Revenue per Audited Statements
- $5,182,233
- Total Revenue per Form 990
- $5,182,233
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $3,002,964 |
| Salaries, Compensation, and Employee Benefits | $1,940,125 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $956,773 |
| Interest | - | - | - | $933,483 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $631,835 |
| Office Expenses | - | - | - | $237,947 |
| Depreciation Depletion | - | - | - | $217,116 |
| Occupancy | - | - | - | $210,161 |
| Other Employee Benefits | - | - | - | $192,513 |
| Fees for Services Other | - | - | - | $188,405 |
| Payroll Taxes | - | - | - | $134,564 |
| Advertising | - | - | - | $127,157 |
| Other Expenses | - | - | - | $121,974 |
| Fees for Services Accounting | - | - | - | $90,872 |
| Travel | - | - | - | $71,816 |
| All Other Expenses | - | - | - | $62,406 |
| Fees for Services Legal | - | - | - | $46,115 |
| Pension Plan Contributions | - | - | - | $24,440 |
| Conferences and Meetings | - | - | - | $6,736 |
| Total Functional Expenses | $0 | $0 | $0 | $4,943,089 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $4,943,089 |
| Total Expenses per Audited Statements | $4,943,089 |
| Total Expenses per Form 990 | $4,943,089 |
| 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 Item | Amount |
|---|---|
| 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 Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $485,881 | $2,225,412 | ▲ $1,739,531 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Deposits | $108,736,086 |
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 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
- 2019-02-22
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Michael S Ostrowski
- Formed
- 1929
- Legal Domicile
- Ma
- Voting Board Members
- 10
- Independent Board Members
- 10
- Employees
- 44
- Volunteers
- 0
Preparer
- Firm
- Gt Reilly & Company
- Address
- 424 ADAMS STREET, MILTON, MA 02186
- Preparer
- David Keyo 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.”
Schedule L, Part V, (C)
“The employer has paid one or more premiums into a life insurance policy owned by the employee. The premiums are treated for tax purposes as nonrecourse split dollar loans under 29 c.f.r. Section 1.7872-15. The employer and employee represent that a reasonable person would expect that the employer will be paid all of its premium payments.”
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| IRS990/Desc | 0 | THE CREDIT UNION IS COOPERATIVE OWNED AND DEDICATED TO SERVING ITS MEMBERS. AT 12/31/18, THE CREDIT UNION HAS $91,826,489 AND $2,537,295 IN LOANS TO MEMBERS AND NON-MEMBERS, RESPECITVELY. IN ADDITION, AT 12/31/18, THE CREDIT UNION HAS $108,736,086 IN DEPOSITS AND SHARE ACCOUNTS FROM MEMBERS. |
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| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 24529758 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 8515361 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 8020512 |
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| IRS990/LocalChaptersInd | 0 | 1 |
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| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | ASSIST OUR MEMBERS IN REACHING THEIR FINANCIAL GOALS BY PROVIDING SUPERIOR PRODUCTS AND SERVICES IN A PERSONALIZED MANNER. |
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| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
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| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -762 |
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| IRS990/OtherExpensesGrp/Desc | 2 | ATM EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | PROVISION FOR LOAN LOSS |
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| IRS990/OtherExpensesGrp/TotalAmt | 1 | 173932 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 124071 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 121974 |
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| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | MICHAEL S OSTROWSKI |
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| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | MEMBER SERVICE FEES |
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| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 929861 |
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| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 929861 |
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| IRS990/PYOtherRevenueAmt | 0 | 79114 |
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| IRS990/PYRevenuesLessExpensesAmt | 0 | -111341 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2157873 |
| IRS990/PYTotalExpensesAmt | 0 | 5288279 |
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| IRS990/RelatedEntityInd | 0 | 0 |
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| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 0 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 4447856 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 10892689 |
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| IRS990/ScheduleBRequiredInd | 0 | 0 |
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| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1859597 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3671539 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 420554 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1372162 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1792716 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 4943089 |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 590665 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 590665 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 108736086 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER DEPOSITS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 23120958 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 369200 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 954400 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 25000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 4 | 5200 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 5 | 55000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | CERTIFICATES OF DEPOSIT |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | CORPORATE CREDIT UNION MEMBERSHIP CAPITAL |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | FHLB CAPITAL STOCK |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | INVESTMENT IN MSIC PARTNERS LLC |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 4 | INVESTMENT IN CUSO |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 5 | COCC COMMON STOCK |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
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| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 4 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 5 | C |
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| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 24529758 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 4943089 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 108736086 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 5182233 |
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| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 4943089 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
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| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
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| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
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| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
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| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
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| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | MICHAEL OSTROWSKI |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT AND CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 192960 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | IN 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/FormAndLineReferenceDesc | 0 | SCHEDULE J, PART I, LINE 4B |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 1 |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
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| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | SEE SCHEDULE O |
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| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | MICHAEL OSTROWSKI |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | PRESIDENT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | 1 |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 2225412 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DEPOSITORS WITH A MINIMUM BALANCE OF $25 IN THEIR SAVINGS ACCOUNT ARE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE BOARD OF DIRECTORS ARE VOTED BY THE MEMBERS AT THE ANNUAL MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | ELECTION OF DIRECTORS, CHARTER CHANGES AND MERGERS REQUIRE A VOTE BY THE MEMBERS IN PERSON. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | THE BOARD OF DIRECTORS ANNUALLY MUST DISCLOSE ANY CONFLICTS OF INTEREST ON AN ANNUAL BASIS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | THE EMPLOYER HAS PAID ONE OR MORE PREMIUMS INTO A LIFE INSURANCE POLICY OWNED BY THE EMPLOYEE. THE PREMIUMS ARE TREATED FOR TAX PURPOSES AS NONRECOURSE SPLIT DOLLAR LOANS UNDER 29 C.F.R. SECTION 1.7872-15. THE EMPLOYER AND EMPLOYEE REPRESENT THAT A REASONABLE PERSON WOULD EXPECT THAT THE EMPLOYER WILL BE PAID ALL OF ITS PREMIUM PAYMENTS. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11B |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $137,935,411
- Liabilities
- $126,930,917
- Net assets
- $11,004,494
- Revenue
- $5,182,233
- Expenses
- $4,943,089
- Net income
- $239,144