Civic Intelligence

Grafton Suburban Credit Union

990 • Fiscal year 2014 • EIN 04-2393313

Jan 01, 2014 to Dec 31, 2014 • Filed on Jul 31, 2015

86 Worcester StNorth Grafton, MA 01536

(508) 839-5493

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.90x

Higher debt load relative to assets than 53% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

84th percentile

22.84x

Higher debt load relative to revenue than 84% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

6th percentile

0.5%

Higher net margin than 6% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

75th percentile

$246,709

Higher top officer pay than 75% of similar nonprofits.

Top officer pay equals 4.9% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

88th percentile

9.4%

Faster asset growth than 88% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

12th percentile

-5.2%

Faster revenue growth than 12% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Assets

Up

$129,307,487

Up $11,138,725 (+9.4%) from 2013

Net Assets

Up

$13,219,977

Up $679,583 (+5.4%) from 2013

Liabilities

Up

$116,087,510

Up $10,459,142 (+9.9%) from 2013

Revenue

Down

$5,082,967

Down $279,699 (-5.2%) from 2013

Expenses

Down

$5,059,012

Down $701,338 (-12%) from 2013

Net Income

Up

$23,955

Up $421,639 (+106%) from 2013

Historical Trend

Balance Sheet Trend

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

$200M$150M$100M$50M$0Assets 2010: $127,008,580Liabilities 2010: $113,793,692Net Assets 2010: $13,214,8882010Assets 2011: $122,652,172Liabilities 2011: $108,405,820Net Assets 2011: $14,246,3522011Assets 2012: $127,448,359Liabilities 2012: $113,060,164Net Assets 2012: $14,388,1952012Assets 2013: $118,168,762Liabilities 2013: $105,628,368Net Assets 2013: $12,540,3942013Assets 2014: $129,307,487Liabilities 2014: $116,087,510Net Assets 2014: $13,219,9772014Assets 2015: $135,174,045Liabilities 2015: $122,237,734Net Assets 2015: $12,936,3112015Assets 2016: $140,872,615Liabilities 2016: $127,728,796Net Assets 2016: $13,143,8192016Assets 2017: $148,242,992Liabilities 2017: $134,652,100Net Assets 2017: $13,590,8922017Assets 2018: $152,323,975Liabilities 2018: $138,606,605Net Assets 2018: $13,717,3702018Assets 2019: $154,325,921Liabilities 2019: $139,677,802Net Assets 2019: $14,648,1192019Assets 2020: $163,907,640Liabilities 2020: $148,216,253Net Assets 2020: $15,691,3872020Assets 2021: $166,016,469Liabilities 2021: $150,066,615Net Assets 2021: $15,949,8542021Assets 2022: $169,959,966Liabilities 2022: $156,919,531Net Assets 2022: $13,040,4352022Assets 2023: $178,817,167Liabilities 2023: $165,610,518Net Assets 2023: $13,206,6492023Assets 2024: $176,157,011Liabilities 2024: $163,220,088Net Assets 2024: $12,936,9232024Assets 2025: $170,910,408Liabilities 2025: $156,824,012Net Assets 2025: $14,086,3962025

Highlighted filing

2014

Assets$129,307,487
Liabilities$116,087,510
Net Assets$13,219,977

Operations Trend

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

$10M$5.0M$0-$5.0MExpenses 2010: $5,957,5022010Revenue 2011: $6,036,550Expenses 2011: $5,622,546Net Income 2011: $414,0042011Expenses 2012: $5,684,9132012Revenue 2013: $5,362,666Expenses 2013: $5,760,350Net Income 2013: -$397,6842013Revenue 2014: $5,082,967Expenses 2014: $5,059,012Net Income 2014: $23,9552014Revenue 2015: $5,247,903Expenses 2015: $5,140,751Net Income 2015: $107,1522015Revenue 2016: $5,176,646Expenses 2016: $4,976,220Net Income 2016: $200,4262016Revenue 2017: $5,841,235Expenses 2017: $5,438,662Net Income 2017: $402,5732017Revenue 2018: $6,348,874Expenses 2018: $5,818,766Net Income 2018: $530,1082018Revenue 2019: $6,282,794Expenses 2019: $5,976,182Net Income 2019: $306,6122019Revenue 2020: $6,440,530Expenses 2020: $5,778,831Net Income 2020: $661,6992020Revenue 2021: $6,345,260Expenses 2021: $5,593,632Net Income 2021: $751,6282021Revenue 2022: $6,532,037Expenses 2022: $5,770,550Net Income 2022: $761,4872022Revenue 2023: $7,222,161Expenses 2023: $7,387,854Net Income 2023: -$165,6932023Revenue 2024: $8,601,896Expenses 2024: $8,512,403Net Income 2024: $89,4932024Revenue 2025: $8,565,371Expenses 2025: $8,169,321Net Income 2025: $396,0502025

Highlighted filing

2014

Revenue$5,082,967
Expenses$5,059,012
Net Income$23,955
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jul 31, 2015
Return Version
2014v5.0
Gross Receipts
$5,082,967
Mission and Program Overview

Mission

To provide a lifetime of personal service through innovative products and quality services, delivered by a team of dedicated professionals to meet the full range of member needs.

This organization is a community based credit union established to serve its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$60,985,348$74,234,074▲ $13,248,726
Investments in Publicly Traded Securities$49,499,693$46,864,280▼ $2,635,413
Rtn Earn Endowment Incm Other Fnds$12,540,394$13,219,977▲ $679,583
Land, Buildings, and Equipment, Net$2,111,612$1,978,899▼ $132,713
Investments Other Securities$669,075$1,106,375▲ $437,300
Cash and Non-Interest-Bearing Accounts$858,940$763,554▼ $95,386
Prepaid Expenses and Deferred Charges$417,391$399,922▼ $17,469
Accounts Receivable$285,331$263,898▼ $21,433
Savings and Temporary Cash Investments$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$118,168,762$129,307,487▲ $11,138,725
Other Assets Total$3,341,372$3,696,485▲ $355,113
Liabilities
Other Liabilities$101,463,353$97,175,163▼ $4,288,190
Accounts Payable and Accrued Expenses$3,971,072$18,661,076▲ $14,690,004
Escrow Account Liability$193,943$214,476▲ $20,533
Deferred Revenue$0$36,795▲ $36,795
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$105,628,368$116,087,510▲ $10,459,142
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,540,394$13,219,977▲ $679,583
Total Liabilities and Net Assets / Fund Balance$118,168,762$129,307,487▲ $11,138,725

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,237,539$351,048$0
Other Land Buildings$26,325$33,158$0
Land$461,848-$0
Equipment$253,187$326,581$0
Leasehold Improvements$0$0$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lloyd L Hamm JrPresident & Chief Executive OfficerFT$200,000$46,709$246,709
Karl MoisanSenior Vice President/Senior Loan OfficerFT$130,000$16,871$146,871
Julia DeLongChief Financial OfficerFT$122,500$9,598$132,098

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,147,893
Investment Income
$935,074
Other Revenue
$0
Change in Net Assets
$23,955

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,082,967
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$5,082,967
Total Revenue per Form 990
$5,082,967
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,333,426
Salaries, Compensation, and Employee Benefits$2,285,036
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,369,192
Information Technology---$604,486
Current Officers, Directors, Trustees, and Key Employees---$477,500
Office Expenses---$454,738
Benefits to Members---$440,550
Other Employee Benefits---$220,144
Depreciation Depletion---$213,301
Advertising---$194,704
Other Expenses---$165,683
Payroll Taxes---$162,650
Occupancy---$159,418
Fees for Services Accounting---$98,806
Pension Plan Contributions---$55,550
Fees for Services Management---$48,261
Insurance---$37,040
Interest---$29,594
Fees for Services Other---$28,285
Travel---$18,113
Conferences and Meetings---$14,974
Fees for Services Legal---$3,724
Total Functional Expenses$0$0$0$5,059,012

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,059,014
Total Expenses per Audited Statements$5,059,014
Total Expenses per Form 990$5,059,012
Expenses Not Reported on Form 990$0
Expenses Not Reported on Financial Statements$-2
Other Expense Adjustments$-2
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares/Deposits$97,175,163
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
Yes
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 4

In 2014 the corporation was approved to have its name changed from Grafton Suburban Credit Union to Homefield Credit Union.

Form 990, Part VI, Section A, Line 6

Credit union members have the right to elect the members of the governing body. Credit union members also receive a share of the organization's profits in the form of dividends on deposits/share accounts.

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

Members of the credit union have the right to elect one or more members of the credit union's governing body whether periodically as vacancies arise or otherwise.

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

Members of the credit union have the right to approve the election and removal of members of the governing body as well as other matters that are subject to the approval of members of the credit union as they occur.

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

All information in the 990 is prepared and reviewed by the CFO for accuracy. Form 990 is then reviewed with the CEO prior to filing.

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

Upon hire each employee recieves a copy of the employee handbook which contains the credit union's Conflict of Interest and other policies. The policies are reviewed with the new hire and the employee signs an acknowledgement of receipt and understanding of the handbook and the policies contained therein. Management is vigilant in observing the potential for conflicts of interest and will address any situation which may turn into a potential conflict.

Form 990, Part VI, Section B, Line 15

Every employee role is graded and scored using a structured compensation system called Compease. The system is a product of HRN solutions. Each position grade has a corresponding salary range. The HR Director also surveys local financial institutions from time to time to confirm that the credit union's compensation structure is in line with comparable positions in the local financial institution industry.

Form 990, Part VI, Section C, Line 19

Financial statements are posted in the lobby of our branch. Financial statements are also available on the internet at the website of our federal regulator - the National Credit Union Administration. Governing documents and the Conflict of Interest policy are available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Homefield Credit Union
EIN
04-2393313
Phone
5088395493
Address
86 Worcester St, North Grafton, MA 01536

Signing Officer

Name
Julie DeLong
Title
Chief Financial Officer
Phone
5088395493
Signed
2015-07-31

Organization Details

Principal Officer
Lloyd L Hamm Jr
Formed
1966
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
11
Employees
42
Volunteers
11
Supplemental Narrative

Financial Statement Notes

Schedule D, Part IV, Line 2B

Mortgage escrow accounts for real estate taxes and insurance.

Schedule D, Part X, Line 2

The credit union evaluated its tax positions and determined no uncertain tax positions exist as of December 31, 2014 and 2013.

Schedule D, Part XII, Line 4B

Rounding difference

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IRS990/Form990PartVIISectionAGrp/PersonNm1Charles Gagne
IRS990/Form990PartVIISectionAGrp/PersonNm2Peter Crepeault
IRS990/Form990PartVIISectionAGrp/PersonNm3Charles Pavolis
IRS990/Form990PartVIISectionAGrp/PersonNm4Teresa Tracy
IRS990/Form990PartVIISectionAGrp/PersonNm5Kenneth Grew
IRS990/Form990PartVIISectionAGrp/PersonNm6Elias Hanna
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IRS990/Form990PartVIISectionAGrp/PersonNm10Michael Sowyrda
IRS990/Form990PartVIISectionAGrp/PersonNm11Lloyd L Hamm Jr
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Clerk
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11President & Chief Executive Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt12Chief Financial Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt13Senior Vice President/Senior Loan Officer
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01966
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt05082967
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0604486
IRS990/InsuranceGrp/TotalAmt037040
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt029594
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0935074
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0935074
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0669075
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01106375
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt049499693
IRS990/InvestmentsPubTradedSecGrp/EOYAmt046864280
IRS990/IRPDocumentCnt03943
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0710787
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02111612
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01978899
IRS990/LandBldgEquipCostOrOtherBssAmt02689686
IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To provide a lifetime of personal service through innovative products and quality services, delivered by a team of dedicated professionals to meet the full range of member needs.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt012540394
IRS990/NetAssetsOrFundBalancesEOYAmt013219977
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0655628
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0159418
IRS990/OfficeExpensesGrp/TotalAmt0454738
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03341372
IRS990/OtherAssetsTotalGrp/EOYAmt03696485
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0220144
IRS990/OtherExpensesGrp/Desc0Loan Servicing Expense
IRS990/OtherExpensesGrp/Desc1Provision for Loan Losses
IRS990/OtherExpensesGrp/TotalAmt0262299
IRS990/OtherExpensesGrp/TotalAmt1165683
IRS990/OtherLiabilitiesGrp/BOYAmt0101463353
IRS990/OtherLiabilitiesGrp/EOYAmt097175163
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt01369192
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt060985348
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt074234074
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0162650
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt055550
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0417391
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0399922
IRS990/PrincipalOfficerNm0Lloyd L Hamm Jr
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Service Charges
IRS990/ProgramServiceRevenueGrp/Desc2Other Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02927040
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1278410
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2935478
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02927040
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1285375
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2935478
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt16965
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide deposit products for daily financial needs as well as investment alternatives. Products include checking and saving accounts, certificates of deposit, IRA and money market accounts. Members have a total of 15,434 deposit accounts with the credit union as of 12/31/2014.
IRS990/ProgSrvcAccomActy3Grp/Desc0Provides consumer loans both unsecured and secured by automobiles, RV's etc. As of 12/31/14 there were 2,165 of these loans on the balance sheet of the credit union.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0600895
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0673063
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt02952663
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt04689603
IRS990/PYRevenuesLessExpensesAmt0-397684
IRS990/PYSalariesCompEmpBnftPaidAmt02206792
IRS990/PYTotalExpensesAmt05760350
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05362666
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt023955
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012540394
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt013219977
IRS990/SavingsAndTempCashInvstGrp/BOYAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01237539
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0351048
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01588587
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0253187
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0326581
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0579768
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0-2
IRS990ScheduleD/ExpensesSubtotalAmt05059014
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0461848
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0461848
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt0-2
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt026325
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt033158
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt059483
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt097175163
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares/Deposits
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$171$157$14.1$8.57$8.17$0.40
2024Detailed filing. Detailed filing data is available for this year.$176$163$12.9$8.60$8.51$0.09
2023Detailed filing. Detailed filing data is available for this year.$179$166$13.2$7.22$7.39$0.17
2022Detailed filing. Detailed filing data is available for this year.$170$157$13.0$6.53$5.77$0.76
2021Detailed filing. Detailed filing data is available for this year.$166$150$15.9$6.35$5.59$0.75
2020Detailed filing. Detailed filing data is available for this year.$164$148$15.7$6.44$5.78$0.66
2019Detailed filing. Detailed filing data is available for this year.$154$140$14.6$6.28$5.98$0.31
2018Detailed filing. Detailed filing data is available for this year.$152$139$13.7$6.35$5.82$0.53
2017Detailed filing. Detailed filing data is available for this year.$148$135$13.6$5.84$5.44$0.40
2016Detailed filing. Detailed filing data is available for this year.$141$128$13.1$5.18$4.98$0.20
2015Detailed filing. Detailed filing data is available for this year.$135$122$12.9$5.25$5.14$0.11
2014Detailed filing. Detailed filing data is available for this year.$129$116$13.2$5.08$5.06$0.02
2013Detailed filing. Detailed filing data is available for this year.$118$106$12.5$5.36$5.76$0.40
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$127$113$14.4$5.68
2011Summary only. Only limited summary data is available for this year.$123$108$14.2$6.04$5.62$0.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$127$114$13.2$5.96