Civic Intelligence

Achieve Financial Credit Union Inc

990 • Fiscal year 2014 • EIN 06-0696607

Jan 01, 2014 to Dec 31, 2014 • Filed on May 11, 2015

PO Box 7030Berlin, CT 06037

(860) 828-2790

Siviq Scores

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

Liabilities / Assets

91st percentile

0.92x

Higher debt load relative to assets than 91% of similar nonprofits.

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

Liabilities / Revenue

22nd percentile

14.86x

Higher debt load relative to revenue than 22% of similar nonprofits.

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

Net Margin

28th percentile

6.7%

Higher net margin than 28% of similar nonprofits.

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

Top Officer Pay

76th percentile

$249,923

Higher top officer pay than 76% of similar nonprofits.

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

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

Asset Growth

47th percentile

3.4%

Faster asset growth than 47% of similar nonprofits.

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

Revenue Growth

35th percentile

0.1%

Faster revenue growth than 35% of similar nonprofits.

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

Assets

Up

$113,245,305

Up $3,701,190 (+3.4%) from 2013

Net Assets

Up

$9,037,394

Up $472,643 (+5.5%) from 2013

Liabilities

Up

$104,207,911

Up $3,228,547 (+3.2%) from 2013

Revenue

Up

$7,014,757

Up $9,629 (+0.1%) from 2013

Expenses

Up

$6,547,405

Up $185,238 (+2.9%) from 2013

Net Income

Down

$467,352

Down $175,609 (-27%) 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: $101,134,333Liabilities 2010: $94,224,755Net Assets 2010: $6,909,5782010Assets 2011: $103,486,901Liabilities 2011: $95,861,738Net Assets 2011: $7,625,1632011Assets 2012: $104,705,417Liabilities 2012: $96,696,457Net Assets 2012: $8,008,9602012Assets 2013: $109,544,115Liabilities 2013: $100,979,364Net Assets 2013: $8,564,7512013Assets 2014: $113,245,305Liabilities 2014: $104,207,911Net Assets 2014: $9,037,3942014Assets 2015: $122,451,154Liabilities 2015: $112,955,199Net Assets 2015: $9,495,9552015Assets 2016: $126,174,445Liabilities 2016: $116,477,305Net Assets 2016: $9,697,1402016Assets 2017: $129,565,274Liabilities 2017: $119,307,750Net Assets 2017: $10,257,5242017Assets 2018: $129,741,266Liabilities 2018: $118,927,695Net Assets 2018: $10,813,5712018Assets 2019: $131,893,368Liabilities 2019: $120,211,512Net Assets 2019: $11,681,8562019Assets 2020: $162,912,495Liabilities 2020: $151,189,819Net Assets 2020: $11,722,6762020Assets 2021: $177,006,682Liabilities 2021: $165,412,720Net Assets 2021: $11,593,9622021Assets 2022: $183,250,727Liabilities 2022: $173,932,195Net Assets 2022: $9,318,5322022Assets 2023: $192,475,799Liabilities 2023: $181,359,436Net Assets 2023: $11,116,3632023Assets 2024: $181,973,848Liabilities 2024: $169,819,873Net Assets 2024: $12,153,9752024

Highlighted filing

2014

Assets$113,245,305
Liabilities$104,207,911
Net Assets$9,037,394

Operations Trend

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $7,187,7132010Expenses 2011: $6,567,0582011Expenses 2012: $6,627,8462012Revenue 2013: $7,005,128Expenses 2013: $6,362,167Net Income 2013: $642,9612013Revenue 2014: $7,014,757Expenses 2014: $6,547,405Net Income 2014: $467,3522014Revenue 2015: $7,128,828Expenses 2015: $6,672,640Net Income 2015: $456,1882015Revenue 2016: $7,155,404Expenses 2016: $6,856,273Net Income 2016: $299,1312016Revenue 2017: $7,784,724Expenses 2017: $7,193,138Net Income 2017: $591,5862017Revenue 2018: $8,626,185Expenses 2018: $7,998,513Net Income 2018: $627,6722018Revenue 2019: $8,643,003Expenses 2019: $8,025,589Net Income 2019: $617,4142019Revenue 2020: $7,837,035Expenses 2020: $7,999,110Net Income 2020: -$162,0752020Revenue 2021: $8,898,546Expenses 2021: $8,013,107Net Income 2021: $885,4392021Revenue 2022: $10,293,726Expenses 2022: $8,300,755Net Income 2022: $1,992,9712022Revenue 2023: $12,016,169Expenses 2023: $11,112,680Net Income 2023: $903,4892023Revenue 2024: $11,449,976Expenses 2024: $11,158,011Net Income 2024: $291,9652024

Highlighted filing

2014

Revenue$7,014,757
Expenses$6,547,405
Net Income$467,352
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 11, 2015
Return Version
2014v5.0
Gross Receipts
$7,014,757
Mission and Program Overview

Mission

We provide financial services for our members.

Provide financial services to our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$94,661,599$95,176,735▲ $515,136
Rtn Earn Endowment Incm Other Fnds$8,564,751$9,037,394▲ $472,643
Savings and Temporary Cash Investments$2,321,777$6,775,127▲ $4,453,350
Land, Buildings, and Equipment, Net$3,585,639$3,249,774▼ $335,865
Investments in Publicly Traded Securities$3,598,139$2,692,404▼ $905,735
Cash and Non-Interest-Bearing Accounts$2,708,736$2,451,017▼ $257,719
Prepaid Expenses and Deferred Charges$1,082,258$1,301,873▲ $219,615
Investments Other Securities$1,173,483$1,205,822▲ $32,339
Accounts Receivable$78,313$69,137▼ $9,176
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$109,544,115$113,245,305▲ $3,701,190
Other Assets Total$334,171$323,416▼ $10,755
Liabilities
Other Liabilities$100,108,275$103,446,136▲ $3,337,861
Accounts Payable and Accrued Expenses$871,089$761,775▼ $109,314
Total Liabilities$100,979,364$104,207,911▲ $3,228,547
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,564,751$9,037,394▲ $472,643
Total Liabilities and Net Assets / Fund Balance$109,544,115$113,245,305▲ $3,701,190

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$774,801$2,915,294$3,690,095
Buildings$1,632,418$414,063$2,046,481
Leasehold Improvements$85,837$817,027$902,864
Land$756,718-$756,718
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Andrew KlimkoskiPresident/CEOFT$191,009$58,914$249,923
Matthew YussmanCFOFT$134,233$11,362$145,595
Mary BudnickVP of SalesFT$125,112$16,282$141,394

Board Members and Trustees

NameTitle
John FredericksChairman
Sebastiano SpadaVice Chairman
Deborah M KennedyDirector
Elaine RichardsDirector
Kenneth PoppeDirector
William AckermanDirector
John StairsTreasurer/secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,845,656
Investment Income
$87,092
Other Revenue
$2,082,009
Change in Net Assets
$467,352
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,844,528
Salaries, Compensation, and Employee Benefits$2,702,877
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,712,945
Office Expenses---$949,294
Current Officers, Directors, Trustees, and Key Employees---$520,274
Depreciation Depletion---$412,322
Information Technology---$388,663
Occupancy---$376,828
Interest---$349,024
Other Expenses---$293,808
Advertising---$244,047
Payroll Taxes---$206,221
Other Employee Benefits---$181,656
Fees for Services Management---$92,574
Pension Plan Contributions---$81,781
Insurance---$48,105
Travel---$36,487
Fees for Services Accounting---$34,400
Fees for Services Legal---$3,125
Total Functional Expenses$0$0$0$6,547,405
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$103,107,180
Other Miscellaneous Liabilities$338,956
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

Individuals maintaining a minimum deposit balance with the organization are considered members.

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

Members in good standing may vote for directors as terms expire.

Form 990, Part VI, Section B, Line 11

The ceo and cfo prepare and review the form 990 prior to filing.

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

The organization annually reviews their conflict of interest policy with directors, officers and key employees. All directors, officers and key employees must sign an affirmation indicating that they have reviewed the conflict of interest policy and that they have not been in violation of any of the sections of the policy.

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

The ceo's compensation is determined by a ceo evaluation committee made up of directors. The committee reviews the ceo's performance plan and uses external peer data for comparable compensation. Documentation is kept with respect to the deliberations and decisions regarding the compensation arrangement.

Form 990, Part VI, Section C, Line 19

The organization's governing documents and conflict of interest policy are available to members on request. The financial statements are posted for viewing in all public service locations.

Filing and Contact Details

Filer

Filer Name
Achieve Financial Credit Union
EIN
06-0696607
Phone
8608282790
Address
PO BOX 7030, BERLIN, CT 06037

Signing Officer

Name
Andrew J Klimkoski
Title
President/CEO
Phone
8608282790
Signed
2015-05-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Andrew J Klimkoski
Formed
1952
Legal Domicile
Ct
Voting Board Members
7
Independent Board Members
7
Employees
50
Volunteers
10

Preparer

Firm
Whittlesey & Hadley Pc
Address
280 TRUMBULL ST 24TH FLOOR, HARTFORD, CT 06103
Preparer
Andrew G Andrews
Phone
8605223111
Raw XML AppendixShowing 400 of 563 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0871089
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0761775
IRS990/AccountsReceivableGrp/BOYAmt078313
IRS990/AccountsReceivableGrp/EOYAmt069137
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0PROVIDE FINANCIAL SERVICES TO OUR MEMBERS.
IRS990/AdvertisingGrp/TotalAmt0244047
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BooksInCareOfDetail/PersonNm0MATTHEW R YUSSMAN
IRS990/BooksInCareOfDetail/PhoneNum08608282790
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0279 NEW BRITAIN ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0BERLIN
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CT
IRS990/BooksInCareOfDetail/USAddress/ZIPCd006037
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02708736
IRS990/CashNonInterestBearingGrp/EOYAmt02451017
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0520274
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt087092
IRS990/CYOtherExpensesAmt03844528
IRS990/CYOtherRevenueAmt02082009
IRS990/CYProgramServiceRevenueAmt04845656
IRS990/CYRevenuesLessExpensesAmt0467352
IRS990/CYSalariesCompEmpBnftPaidAmt02702877
IRS990/CYTotalExpensesAmt06547405
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt07014757
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0412322
IRS990/Desc0ORIGINATION AND MAINTENANCE OF MEMBERS' DEPOSIT ACCOUNTS
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt050
IRS990/EmploymentTaxReturnsFiledInd00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt034400
IRS990/FeesForServicesLegalGrp/TotalAmt03125
IRS990/FeesForServicesManagementGrp/TotalAmt092574
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt750.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt850.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt950.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt711362
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt816282
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt923456
IRS990/Form990PartVIISectionAGrp/PersonNm0KENNETH POPPE
IRS990/Form990PartVIISectionAGrp/PersonNm1JOHN STAIRS
IRS990/Form990PartVIISectionAGrp/PersonNm2WILLIAM ACKERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN FREDERICKS
IRS990/Form990PartVIISectionAGrp/PersonNm4ELAINE RICHARDS
IRS990/Form990PartVIISectionAGrp/PersonNm5SEBASTIANO SPADA
IRS990/Form990PartVIISectionAGrp/PersonNm6DEBORAH M KENNEDY
IRS990/Form990PartVIISectionAGrp/PersonNm7MATTHEW YUSSMAN
IRS990/Form990PartVIISectionAGrp/PersonNm8MARY BUDNICK
IRS990/Form990PartVIISectionAGrp/PersonNm9ANDREW KLIMKOSKI
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7134233
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8125112
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9226467
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER/SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP OF SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt07014757
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0388663
IRS990/InsuranceGrp/TotalAmt048105
IRS990/InterestGrp/TotalAmt0349024
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt087092
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt087092
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01173483
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01205822
IRS990/InvestmentsPubTradedSecGrp/BOYAmt03598139
IRS990/InvestmentsPubTradedSecGrp/EOYAmt02692404
IRS990/IRPDocumentCnt02370
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04146384
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03585639
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03249774
IRS990/LandBldgEquipCostOrOtherBssAmt07396158
IRS990/LegalDomicileStateCd0CT
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE PROVIDE FINANCIAL SERVICES FOR OUR MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt08564751
IRS990/NetAssetsOrFundBalancesEOYAmt09037394
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt05291
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0376828
IRS990/OfficeExpensesGrp/TotalAmt0949294
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0334171
IRS990/OtherAssetsTotalGrp/EOYAmt0323416
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0181656
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS EXPENSES
IRS990/OtherExpensesGrp/Desc2CREDIT CARD PROCESSING
IRS990/OtherExpensesGrp/TotalAmt0315690
IRS990/OtherExpensesGrp/TotalAmt1300161
IRS990/OtherExpensesGrp/TotalAmt2293808
IRS990/OtherLiabilitiesGrp/BOYAmt0100108275
IRS990/OtherLiabilitiesGrp/EOYAmt0103446136
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02031413
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02082009
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt050596
IRS990/OtherRevenueTotalAmt02082009
IRS990/OtherSalariesAndWagesGrp/TotalAmt01712945
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt094661599
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt095176735
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0206221
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt081781
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01082258
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01301873
IRS990/PrincipalOfficerNm0ANDREW J KLIMKOSKI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04845656
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04845656
IRS990/ProgSrvcAccomActy2Grp/Desc0ORIGINATION AND MAINTENANCE OF MEMBERS' LOAN ACCOUNTS
IRS990/ProgSrvcAccomActy3Grp/Desc0PAYMENT OF INTEREST AND DIVIDENDS
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0106857
IRS990/PYOtherExpensesAmt03712010
IRS990/PYOtherRevenueAmt02079688
IRS990/PYProgramServiceRevenueAmt04818583
IRS990/PYRevenuesLessExpensesAmt0642961
IRS990/PYSalariesCompEmpBnftPaidAmt02650157
IRS990/PYTotalExpensesAmt06362167
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07005128
IRS990/ReconcilationRevenueExpnssAmt0467352
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08564751
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09037394
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02321777
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06775127
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01632418
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0414063
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02046481
IRS990ScheduleD/EquipmentGrp/BookValueAmt0774801
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02915294
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03690095
IRS990ScheduleD/LandGrp/BookValueAmt0756718
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0756718
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt085837
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0817027
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0902864
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0103107180
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1338956
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OTHER MISCELLANEOUS LIABILITIES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03249774
IRS990ScheduleD/TotalLiabilityAmt0103446136
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0191009
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount016466
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt07390
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt016066
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt018992
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ANDREW KLIMKOSKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0249923
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt043742
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt112149
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt281871
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt388263
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt454328
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt56721
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt6905
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt799977
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt893469
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt90
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt10312548
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1141759
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt120
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1329782
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt144969
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt150
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt16666000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt17166000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1892000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt191273
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt207311
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2119842
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd81
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd91
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd101
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd111
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd121
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd131
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd141
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd151
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd161
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd171
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd181
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd191
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd201
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd211
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt0SPADASEBASTIAN G
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt1SPADASEBASTIAN G
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt2SPADASEBASTIAN G
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt3ACKERMANWILLIAM H
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt4STAIRSJOHN D
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt5STAIRSJOHN D
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt6POPPEKENNETH J
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt7POPPEKENNETH J
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt8BUDNICKMARY W
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt9BUDNICKMARY W
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt10KLIMKOSKIANDREW J
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt11KLIMKOSKIANDREW J
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt12KLIMKOSKIANDREW J
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt13YUSSMANMATTHEW R
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt14FREDERICKSJOHN R
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt15KENNEDYDEBORAH M
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt16KLIMKOSKIANDREW J
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt17YUSSMANMATTHEW R
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt18BUDNICKMARY W
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt19BUDNICKMARY W
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt20RICHARDSELAINE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt21YUSSMANMATTHEW R
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd70
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd80
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd90
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd100
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd110
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd120
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd130
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd140
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd150
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd160
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd170
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd180
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd190
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd200
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd210
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$182$170$12.2$11.4$11.2$0.29
2023Detailed filing. Detailed filing data is available for this year.$192$181$11.1$12.0$11.1$0.90
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$183$174$9.32$10.3$8.30$1.99
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$177$165$11.6$8.90$8.01$0.89
2020Detailed filing. Detailed filing data is available for this year.$163$151$11.7$7.84$8.00$0.16
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$132$120$11.7$8.64$8.03$0.62
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$119$10.8$8.63$8.00$0.63
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$130$119$10.3$7.78$7.19$0.59
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$126$116$9.70$7.16$6.86$0.30
2015Detailed filing. Detailed filing data is available for this year.$122$113$9.50$7.13$6.67$0.46
2014Detailed filing. Detailed filing data is available for this year.$113$104$9.04$7.01$6.55$0.47
2013Detailed filing. Detailed filing data is available for this year.$110$101$8.56$7.01$6.36$0.64
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$105$96.7$8.01$6.63
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$103$95.9$7.63$6.57
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$101$94.2$6.91$7.19