Civic Intelligence

Southbridge Credit Union

990 • Fiscal year 2017 • EIN 04-2023790

Jan 01, 2017 to Dec 31, 2017 • Filed on May 11, 2018

Organization ProfileWWW.SBGECU.ORG

View Organization Page

205 Main StreetSouthbridge, MA 01550-2524

(508) 765-5454

Siviq Scores

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

Liabilities / Assets

42nd percentile

0.89x

Higher debt load relative to assets than 42% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

58th percentile

18.89x

Higher debt load relative to revenue than 58% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

11th percentile

1.9%

Higher net margin than 11% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

85th percentile

$314,034

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 3.6% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

33rd percentile

2.4%

Faster asset growth than 33% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Revenue Growth

65th percentile

8.7%

Faster revenue growth than 65% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Up

$186,380,188

Up $4,320,327 (+2.4%) from 2016

Net Assets

Down

$21,059,054

Down $232,709 (-1.1%) from 2016

Liabilities

Up

$165,321,134

Up $4,553,036 (+2.8%) from 2016

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin11th percentile

Revenue

Up

$8,752,163

Up $697,786 (+8.7%) from 2016

Expenses

Up

$8,589,565

Up $858,180 (+11%) from 2016

Net Income

Down

$162,598

Down $160,394 (-50%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth33rd percentile

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

$300M$200M$100M$0Assets 2010: $193,192,045Liabilities 2010: $172,699,443Net Assets 2010: $20,492,6022010Assets 2011: $186,067,396Liabilities 2011: $164,697,328Net Assets 2011: $21,370,0682011Assets 2012: $177,521,744Liabilities 2012: $155,410,612Net Assets 2012: $22,111,1322012Assets 2013: $170,794,240Liabilities 2013: $151,221,760Net Assets 2013: $19,572,4802013Assets 2014: $163,022,697Liabilities 2014: $141,946,135Net Assets 2014: $21,076,5622014Assets 2015: $167,626,310Liabilities 2015: $146,979,206Net Assets 2015: $20,647,1042015Assets 2016: $182,059,861Liabilities 2016: $160,768,098Net Assets 2016: $21,291,7632016Assets 2017: $186,380,188Liabilities 2017: $165,321,134Net Assets 2017: $21,059,0542017Assets 2018: $186,828,744Liabilities 2018: $165,680,518Net Assets 2018: $21,148,2262018Assets 2019: $189,072,301Liabilities 2019: $166,963,160Net Assets 2019: $22,109,1412019Assets 2020: $202,221,584Liabilities 2020: $179,596,676Net Assets 2020: $22,624,9082020Assets 2021: $204,683,991Liabilities 2021: $181,777,571Net Assets 2021: $22,906,4202021Assets 2022: $210,069,860Liabilities 2022: $187,249,351Net Assets 2022: $22,820,5092022Assets 2023: $213,066,598Liabilities 2023: $190,233,381Net Assets 2023: $22,833,2172023Assets 2024: $222,471,452Liabilities 2024: $198,688,494Net Assets 2024: $23,782,9582024

Highlighted filing

2017

Assets$186,380,188
Liabilities$165,321,134
Net Assets$21,059,054
Open 2017 Filing

Operations Trend

Revenue Growth65th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $10,055,2922010Expenses 2011: $9,541,4192011Revenue 2012: $9,579,163Expenses 2012: $8,631,566Net Income 2012: $947,5972012Revenue 2013: $8,481,885Expenses 2013: $8,185,865Net Income 2013: $296,0202013Revenue 2014: $7,579,672Expenses 2014: $7,740,616Net Income 2014: -$160,9442014Revenue 2015: $7,306,007Expenses 2015: $7,836,668Net Income 2015: -$530,6612015Revenue 2016: $8,054,377Expenses 2016: $7,731,385Net Income 2016: $322,9922016Revenue 2017: $8,752,163Expenses 2017: $8,589,565Net Income 2017: $162,5982017Revenue 2018: $8,820,160Expenses 2018: $8,627,254Net Income 2018: $192,9062018Revenue 2019: $9,399,424Expenses 2019: $8,941,507Net Income 2019: $457,9172019Revenue 2020: $8,804,606Expenses 2020: $8,635,831Net Income 2020: $168,7752020Revenue 2021: $8,395,141Expenses 2021: $7,941,976Net Income 2021: $453,1652021Revenue 2022: $9,370,814Expenses 2022: $8,248,124Net Income 2022: $1,122,6902022Revenue 2023: $10,589,215Expenses 2023: $10,331,619Net Income 2023: $257,5962023Revenue 2024: $11,878,282Expenses 2024: $11,430,592Net Income 2024: $447,6902024

Highlighted filing

2017

Revenue$8,752,163
Expenses$8,589,565
Net Income$162,598
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 11, 2018
Return Version
2017v2.2
Gross Receipts
$11,228,058
Mission and Program Overview

Mission

Provide financial products and personalized services that will assist our members in achieving their financial goals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$138,186,403$148,617,788▲ $10,431,385
Rtn Earn Endowment Incm Other Fnds$21,291,763$21,059,054▼ $232,709
Investments in Publicly Traded Securities$22,835,074$16,362,794▼ $6,472,280
Savings and Temporary Cash Investments$8,794,986$9,475,949▲ $680,963
Land, Buildings, and Equipment, Net$3,589,944$3,520,716▼ $69,228
Investments Other Securities$1,622,400$1,626,400▲ $4,000
Cash and Non-Interest-Bearing Accounts$1,252,328$1,408,110▲ $155,782
Accounts Receivable$340,059$394,436▲ $54,377
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$182,059,861$186,380,188▲ $4,320,327
Other Assets Total$5,438,667$4,973,995▼ $464,672
Liabilities
Other Liabilities$159,742,284$164,227,902▲ $4,485,618
Escrow Account Liability$511,671$735,603▲ $223,932
Accounts Payable and Accrued Expenses$514,143$357,629▼ $156,514
Total Liabilities$160,768,098$165,321,134▲ $4,553,036
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,291,763$21,059,054▼ $232,709
Total Liabilities and Net Assets / Fund Balance$182,059,861$186,380,188▲ $4,320,327

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,898,636$2,818,389$4,717,025
Equipment$244,229$2,300,129$2,544,358
Leasehold Improvements$1,059,499$1,244,398$2,303,897
Other Land Buildings$74,352$688,875$763,227
Land$244,000-$244,000
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kathleen a KrommerChief Lending Officer (ended 11/10/17)FT$284,255$29,779$314,034
Kathleen a KrommerChief Lending Officer (ended 11/10/1-$112,765$201,269$314,034
Kimberly a QuinnChief Operations Officer (ended 4/24/17)FT$212,385$21,421$233,806
Kimberly a QuinnChief Operations Officer (ended 4/24-$60,069$173,737$233,806
Terry D LisleCFO/treasurerFT$130,058$63,011$193,069
Katherine R AlexanderPresident/ CEOFT$150,912$21,309$172,221
Daniel S MatteBoard Chair/director (ended 10/31/17)-$10,000-$10,000
Madaline I BonadeiesBoard Chair/director-$2,000-$2,000

Board Members and Trustees

NameTitle
Phil Cyr2nd Vice Chair/director
John a Lafleche2nd Vice-chair/director
Benjamin TullyDirector
Denise R CournoyerDirector
Gary FontaineDirector
James KeyesDirector
Michelle M AndersonDirector
Paul BerryDirector
Ronald L LedouxDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,943,367
Investment Income
$1,033,435
Other Revenue
$775,361
Change in Net Assets
$162,598

Audited Revenue Reconciliation

Revenue per Audited Statements
$8,752,163
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$31,625
Total Revenue per Audited Statements
$8,783,788
Total Revenue per Form 990
$8,752,163
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,279,030
Salaries, Compensation, and Employee Benefits$3,310,535
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,680,847
Interest---$1,081,341
Current Officers, Directors, Trustees, and Key Employees---$789,610
Occupancy---$764,170
Information Technology---$599,718
All Other Expenses---$525,698
Other Employee Benefits---$489,654
Depreciation Depletion---$398,302
Advertising---$330,176
Office Expenses---$289,024
Payroll Taxes---$209,079
Pension Plan Contributions---$141,345
Fees for Services Accounting---$134,714
Other Expenses---$52,759
Fees for Services Legal---$17,619
Travel---$2,982
Fees for Service Investment Mgmnt Fees---$1,500
Insurance---$1,494
Total Functional Expenses$0$0$0$8,589,565

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,589,565
Total Expenses per Audited Statements$8,589,565
Total Expenses per Form 990$8,589,565
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
Deposits$132,225,443
Fhlb Borrowings$31,572,862
Other Liabilities$429,597
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
No
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

“The credit unions is a members only credit union chartered in massachusetts. Membership in the southbridge credit union is available to persons, businesses and organizations that are either residing, working or operating within our sphere of operation. This is the massachusetts counties of worcester, bristol, franklin, hampshire, norfolk, hampden and middlesex, and within a 25-miles radius of our main branch, in southbridge, which borders connecticut.”

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

“The members vote for the board of directors at the annual meeting and vote on all business presented at the annual meeting.”

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

“The members vote for the board of directors at the annual meeting and vote on all business presented at the annual meeting.”

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

“By board approval form 990 will be reviewed by southbridge credit union's treasurer/cfo or president/ceo prior to being filed.”

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

“The credit union has a conflict of interest policy in place. The board of directors review the conflict of interest policy annaully.”

Form 990, Part VI, Section B, Line 15A

“Compensation of president/ceo: the southbridge credit union's personnel committee completes an employee evaluation on the president/ceo and then the evaluation and compensation recommendation is brought to the southbridge credit union's board for approval. The president/ceo completes an employee evaluation for all other southbridge credit union's officers and approves the compensation staying within the current year's budget which had been approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“Documents available to public, southbridge credit union's audit committee signs a monthly statement of condition, which is posted in the lobby of each branch location the third week of each month. All other governing documents and conflict of interest policy are available upon request.”

Filing and Contact Details

Filer

Filer Name
Southbridge Credit Union
EIN
04-2023790
Phone
5087655454
Address
205 MAIN STREET, SOUTHBRIDGE, MA 01550-2524

Signing Officer

Name
Terry D Lisle
Title
Treasurer/CFO
Phone
5087655454
Signed
2018-05-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Terry D Lisle
Formed
1938
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
9
Employees
65
Volunteers
10

Preparer

Firm
Wolf & Company Pc
Address
99 HIGH STREET 21ST FLOOR, BOSTON, MA 02110
Preparer
Michael J Rowe CPA
Phone
6174399700
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Csv life insurance 31,625.”

FORM 990, PART XII, LINE 2C:

“There was no change in the oversight process or selection process during the tax year 2017.”

Financial Statement Notes

PART IV, LINE 2B:

“An escrow account is maintained for each mortgage where escrow of real estate taxes & home owners insurance is required. The credit union complies with all federal & state laws regarding disclosures and operation of these accounts.”

PART X, LINE 2:

“Uncertain tax position tax positions taken or expected to be taken, including the position that the credit union qualifies as a tax exempt entity, are required to be evaluated to determine whether the tax positions are "more-likely-than-not" to be upheld under regulatory review. Tax positions not deemed to meet the more-likely-than-not threshold would be accrued and disclosed in the financial statements. There are no uncertain tax positions that require accrual or disclosure at december 31, 2017 or 2016. The credit union records interest and penalties as part of income tax expense. No interest or penalties were recorded for the years ended december 31, 2017 or 2016. The credit union's tax returns for fiscal years ended december 31, 2014 to present are subject to review by federal and state taxing authorities.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“CSV LIFE INSURANCE”

Raw XML AppendixShowing 400 of 549 raw XML fields

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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12ND VICE CHAIR/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD CHAIR/DIRECTOR (ENDED 10/31/17)
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD CHAIR/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt92ND VICE-CHAIR/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT/ CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CFO/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF OPERATIONS OFFICER (ENDED 4/24/17)
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF LENDING OFFICER (ENDED 11/10/17)
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01938
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0562987
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt03038882
IRS990/GrossReceiptsAmt011228058
IRS990/GrossRentsGrp/RealAmt070889
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0599718
IRS990/InsuranceGrp/TotalAmt01494
IRS990/InterestGrp/TotalAmt01081341
IRS990/InvestmentIncomeGrp/ExclusionAmt0470448
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0470448
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01622400
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01626400
IRS990/InvestmentsPubTradedSecGrp/BOYAmt022835074
IRS990/InvestmentsPubTradedSecGrp/EOYAmt016362794
IRS990/IRPDocumentCnt03272
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07051791
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03589944
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03520716
IRS990/LandBldgEquipCostOrOtherBssAmt010572507
IRS990/LegalDomicileStateCd0MA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt02475895
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROVIDE FINANCIAL PRODUCTS AND PERSONALIZED SERVICES THAT WILL ASSIST OUR MEMBERS IN ACHIEVING THEIR FINANCIAL GOALS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt021291763
IRS990/NetAssetsOrFundBalancesEOYAmt021059054
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0562987
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0562987
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt070889
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt070889
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-426932
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0764170
IRS990/OfficeExpensesGrp/TotalAmt0289024
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05438667
IRS990/OtherAssetsTotalGrp/EOYAmt04973995
IRS990/OtherChangesInNetAssetsAmt031625
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0489654
IRS990/OtherExpensesGrp/Desc0ATM & DEBIT CARD PROCES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2CONSULTANT FEES
IRS990/OtherExpensesGrp/Desc3DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/TotalAmt0438412
IRS990/OtherExpensesGrp/TotalAmt1371000
IRS990/OtherExpensesGrp/TotalAmt2270121
IRS990/OtherExpensesGrp/TotalAmt352759
IRS990/OtherLiabilitiesGrp/BOYAmt0159742284
IRS990/OtherLiabilitiesGrp/EOYAmt0164227902
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1900099
IRS990/OtherRevenueMiscGrp/Desc0ATM SERVICE FEES
IRS990/OtherRevenueMiscGrp/Desc1OTHER INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0562603
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1141869
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0562603
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1141869
IRS990/OtherRevenueTotalAmt0704472
IRS990/OtherSalariesAndWagesGrp/TotalAmt01680847
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0138186403
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0148617788
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0209079
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0141345
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0TERRY D LISLE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & COMMISSIONS
IRS990/ProgramServiceRevenueGrp/Desc2BORROWER'S INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05988294
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1888830
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt266243
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05988294
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1888830
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt266243
IRS990/ProgSrvcAccomActy2Grp/Desc0INTEREST PAID ON SHARE ACCOUNTS $641,253
IRS990/ProgSrvcAccomActy3Grp/Desc0SAFE DEPOSIT BOXES RENTALS $12,469
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0485508
IRS990/PYOtherExpensesAmt04444112
IRS990/PYOtherRevenueAmt01262103
IRS990/PYProgramServiceRevenueAmt06306766
IRS990/PYRevenuesLessExpensesAmt0322992
IRS990/PYSalariesCompEmpBnftPaidAmt03287273
IRS990/PYTotalExpensesAmt07731385
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08054377
IRS990/ReconcilationRevenueExpnssAmt0162598
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt070889
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt021291763
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt021059054
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08794986
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09475949
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01898636
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02818389
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04717025
IRS990ScheduleD/EquipmentGrp/BookValueAmt0244229
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02300129
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02544358
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt08589565
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0244000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0244000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01059499
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01244398
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02303897
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt074352
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0688875
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0763227
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0132225443
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt131572862
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2429597
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1FHLB BORROWINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2OTHER LIABILITIES
IRS990ScheduleD/OtherRevenueAmt031625
IRS990ScheduleD/RevenueNotReportedAmt031625
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt08752163
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0AN ESCROW ACCOUNT IS MAINTAINED FOR EACH MORTGAGE WHERE ESCROW OF REAL ESTATE TAXES & HOME OWNERS INSURANCE IS REQUIRED. THE CREDIT UNION COMPLIES WITH ALL FEDERAL & STATE LAWS REGARDING DISCLOSURES AND OPERATION OF THESE ACCOUNTS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1UNCERTAIN TAX POSITION TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN, INCLUDING THE POSITION THAT THE CREDIT UNION QUALIFIES AS A TAX EXEMPT ENTITY, ARE REQUIRED TO BE EVALUATED TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE-LIKELY-THAN-NOT" TO BE UPHELD UNDER REGULATORY REVIEW. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE ACCRUED AND DISCLOSED IN THE FINANCIAL STATEMENTS. THERE ARE NO UNCERTAIN TAX POSITIONS THAT REQUIRE ACCRUAL OR DISCLOSURE AT DECEMBER 31, 2017 OR 2016. THE CREDIT UNION RECORDS INTEREST AND PENALTIES AS PART OF INCOME TAX EXPENSE. NO INTEREST OR PENALTIES WERE RECORDED FOR THE YEARS ENDED DECEMBER 31, 2017 OR 2016. THE CREDIT UNION'S TAX RETURNS FOR FISCAL YEARS ENDED DECEMBER 31, 2014 TO PRESENT ARE SUBJECT TO REVIEW BY FEDERAL AND STATE TAXING AUTHORITIES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2CSV LIFE INSURANCE
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03520716
IRS990ScheduleD/TotalExpensesPerForm990Amt08589565
IRS990ScheduleD/TotalLiabilityAmt0164227902
IRS990ScheduleD/TotalRevenuePerForm990Amt08752163
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt08783788
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08589565
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0150912
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1130058
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt260069
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3112765
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt2144499
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt3162334
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt06144
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt156363
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt212028
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt324115
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt015165

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$186,380,188
Liabilities
$165,321,134
Net assets
$21,059,054
Revenue
$8,752,163
Expenses
$8,589,565
Net income
$162,598
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$222$199$23.8$11.9$11.4$0.45
2023Detailed filing. Detailed filing data is available for this year.$213$190$22.8$10.6$10.3$0.26
2022Detailed filing. Detailed filing data is available for this year.$210$187$22.8$9.37$8.25$1.12
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$205$182$22.9$8.40$7.94$0.45
2020Detailed filing. Detailed filing data is available for this year.$202$180$22.6$8.80$8.64$0.17
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$189$167$22.1$9.40$8.94$0.46
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$187$166$21.1$8.82$8.63$0.19
2017Detailed filing. Detailed filing data is available for this year.$186$165$21.1$8.75$8.59$0.16
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$182$161$21.3$8.05$7.73$0.32
2015Detailed filing. Detailed filing data is available for this year.$168$147$20.6$7.31$7.84$0.53
2014Detailed filing. Detailed filing data is available for this year.$163$142$21.1$7.58$7.74$0.16
2013Detailed filing. Detailed filing data is available for this year.$171$151$19.6$8.48$8.19$0.30
2012Summary only. Only limited summary data is available for this year.$178$155$22.1$9.58$8.63$0.95
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$186$165$21.4$9.54
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$193$173$20.5$10.1