Civic Intelligence

Americu Credit Union

990 • Fiscal year 2016 • EIN 15-0542361

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 17, 2017

Organization Profilewww.americu.org

View Organization Page

1916 Black River Blvd NRome, NY 13440

(315) 356-3213

Siviq Scores

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

Liabilities / Assets

74th percentile

0.91x

Higher debt load relative to assets than 74% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

38th percentile

18.73x

Higher debt load relative to revenue than 38% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

15th percentile

11%

Higher net margin than 15% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

47th percentile

$790,706

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

38th percentile

7.5%

Faster asset growth than 38% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

60th percentile

11%

Faster revenue growth than 60% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$1,432,971,796

Up $99,832,583 (+7.5%) from 2015

Net Assets

Up

$133,485,028

Up $7,915,896 (+6.3%) from 2015

Liabilities

Up

$1,299,486,768

Up $91,916,687 (+7.6%) from 2015

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin15th percentile

Revenue

Up

$69,388,534

Up $6,997,708 (+11%) from 2015

Expenses

Up

$61,472,638

Up $7,394,266 (+14%) from 2015

Net Income

Down

$7,915,896

Down $396,558 (-4.8%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth38th percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $919,769,079Liabilities 2010: $848,584,938Net Assets 2010: $71,184,1412010Assets 2011: $1,005,860,989Liabilities 2011: $921,751,109Net Assets 2011: $84,109,8802011Assets 2012: $1,159,905,584Liabilities 2012: $1,062,918,198Net Assets 2012: $96,987,3862012Assets 2013: $1,263,062,565Liabilities 2013: $1,157,624,300Net Assets 2013: $105,438,2652013Assets 2014: $1,263,758,225Liabilities 2014: $1,146,501,547Net Assets 2014: $117,256,6782014Assets 2015: $1,333,139,213Liabilities 2015: $1,207,570,081Net Assets 2015: $125,569,1322015Assets 2016: $1,432,971,796Liabilities 2016: $1,299,486,768Net Assets 2016: $133,485,0282016Assets 2017: $1,481,609,252Liabilities 2017: $1,337,986,492Net Assets 2017: $143,622,7602017Assets 2018: $1,578,204,576Liabilities 2018: $1,428,432,111Net Assets 2018: $149,772,4652018Assets 2019: $1,814,187,618Liabilities 2019: $1,656,973,535Net Assets 2019: $157,214,0832019Assets 2020: $2,209,344,644Liabilities 2020: $2,046,314,502Net Assets 2020: $163,030,1422020Assets 2021: $2,543,170,933Liabilities 2021: $2,346,640,716Net Assets 2021: $196,530,2172021Assets 2022: $2,697,097,780Liabilities 2022: $2,504,192,239Net Assets 2022: $192,905,5412022Assets 2023: $2,686,903,497Liabilities 2023: $2,468,334,393Net Assets 2023: $218,569,1042023Assets 2024: $2,762,401,905Liabilities 2024: $2,531,450,138Net Assets 2024: $230,951,7672024

Highlighted filing

2016

Assets$1,432,971,796
Liabilities$1,299,486,768
Net Assets$133,485,028
Open 2016 Filing

Operations Trend

Revenue Growth60th percentile

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

$200M$150M$100M$50M$0Expenses 2010: $52,848,3202010Expenses 2011: $49,994,0022011Expenses 2012: $51,843,1042012Revenue 2013: $63,454,924Expenses 2013: $55,004,045Net Income 2013: $8,450,8792013Revenue 2014: $63,445,290Expenses 2014: $51,626,877Net Income 2014: $11,818,4132014Revenue 2015: $62,390,826Expenses 2015: $54,078,372Net Income 2015: $8,312,4542015Revenue 2016: $69,388,534Expenses 2016: $61,472,638Net Income 2016: $7,915,8962016Revenue 2017: $72,562,193Expenses 2017: $62,424,461Net Income 2017: $10,137,7322017Revenue 2018: $75,698,440Expenses 2018: $69,548,735Net Income 2018: $6,149,7052018Revenue 2019: $90,966,659Expenses 2019: $83,525,041Net Income 2019: $7,441,6182019Revenue 2020: $82,480,327Expenses 2020: $76,664,268Net Income 2020: $5,816,0592020Revenue 2021: $115,019,065Expenses 2021: $77,279,338Net Income 2021: $37,739,7272021Revenue 2022: $129,122,095Expenses 2022: $95,063,409Net Income 2022: $34,058,6862022Revenue 2023: $153,285,369Expenses 2023: $135,400,466Net Income 2023: $17,884,9032023Revenue 2024: $174,963,634Expenses 2024: $164,109,683Net Income 2024: $10,853,9512024

Highlighted filing

2016

Revenue$69,388,534
Expenses$61,472,638
Net Income$7,915,896
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 17, 2017
Return Version
2016v3.0
Gross Receipts
$69,388,534
Mission and Program Overview

Mission

Americu credit union strives to be the primary financial resource for its members. Our mission is to exceed member expectations and build beneficial and lasting relationships by providing excellent financial services.

State Chartered Credit Union - providing financial and banking services to it's members. The credit union offers savings, money market and certificate share accounts as well as 1st & 2nd mortgages, auto and unsecured loan products to it's members. The Credit Union offers these services through a branch network, call center, on-line and automated ATM and kiosk technologies.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$99,846,308$107,762,204▲ $7,915,896
Savings and Temporary Cash Investments$33,627,367$58,331,374▲ $24,704,007
Land, Buildings, and Equipment, Net$31,632,902$31,733,641▲ $100,739
Pd in Cap Srpls Land Bldg Eqp Fund$25,722,824$25,722,824→ $0
Accounts Receivable$12,113,840$13,527,683▲ $1,413,843
Cash and Non-Interest-Bearing Accounts$11,000,896$7,842,242▼ $3,158,654
Prepaid Expenses and Deferred Charges$2,334,535$2,372,541▲ $38,006
Investments in Publicly Traded Securities$22,411$17,440▼ $4,971
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,333,139,213$1,432,971,796▲ $99,832,583
Other Assets Total$1,242,407,262$1,319,146,875▲ $76,739,613
Liabilities
Other Liabilities$1,144,018,560$1,242,529,680▲ $98,511,120
Mortgage Notes Payable Secured by Investment Property$51,000,000$40,000,000▼ $11,000,000
Accounts Payable and Accrued Expenses$8,272,507$12,643,593▲ $4,371,086
Escrow Account Liability$4,279,014$4,313,495▲ $34,481
Total Liabilities$1,207,570,081$1,299,486,768▲ $91,916,687
Net Assets / Fund Balance
Total Net Assets Fund Balance$125,569,132$133,485,028▲ $7,915,896
Total Liabilities and Net Assets / Fund Balance$1,333,139,213$1,432,971,796▲ $99,832,583

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$18,559,990$5,481,790$0
Other Land Buildings$0$0$0
Land$4,409,716-$0
Equipment$6,704,552$19,433,958$0
Leasehold Improvements$2,059,383$2,096,680$0
Other Assets Org$21,184,080--
Compensation and Service Providers
Top Officer Pay47th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mark A PfistererPresident & Chief Executive OfficerFT$767,104$2,696,402$3,463,506
Lisa MaloneChief Lending OfficerFT$235,322$21,668$256,990
Christopher BergMember Financial AdvisorFT$46,440$198,463$244,903
Vincent SchoonmakerChief Information OfficerFT$189,439$26,432$215,871
Lorraine McCormickVice President HRFT$123,199$68,559$191,758
Barth EkeVice President of FinanceFT$164,930$21,469$186,399
Catherine FeltzMortgage ExecutiveFT$20,550$132,180$152,730
James LombardoChief Operating ManagerFT$142,970$5,139$148,109
Joseph AndersonChief Operating OfficerFT$106,692$14,989$121,681

Board Members and Trustees

NameTitle
John A StevensonChairman of the Board
George Bauer IIIVice Chairman
Charles S SorrentoDirector
Joseph J TurczynDirector
Ryan KhunsDirector
Terri TulowieckiChief Financial Officer
Patrick DooleyChief Investment Officer
Sharon L MiazgaRecording Officer

Highest Paid Contractors

ContractorServicesLocationCompensation
Riehlman Shafer and ShaferCollections Services397 Route 281, Tully, NY 13159$486,713
John Nasto EsqAttorney - Legal Services4957 Commercial Drive, Yorkville, NY 13495$217,356
-Cleaning ServicesPO Box 2060, Liverpool, NY 13089$177,598
Doug WaldaCleaning Services115 Glen Road South, Rome, NY 13440$130,871
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$63,264,429
Investment Income
$1,885,493
Other Revenue
$4,238,612
Change in Net Assets
$7,915,896

Audited Revenue Reconciliation

Revenue per Audited Statements
$69,388,534
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$69,388,534
Total Revenue per Form 990
$69,388,534
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$37,496,753
Salaries, Compensation, and Employee Benefits$23,965,885
Grants and Similar Amounts Paid$10,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$14,089,159
All Other Expenses---$5,836,113
Other Employee Benefits---$5,440,367
Office Expenses---$4,040,416
Information Technology---$3,029,305
Depreciation Depletion---$2,860,952
Current Officers, Directors, Trustees, and Key Employees---$2,565,233
Advertising---$2,076,319
Occupancy---$2,014,637
Payroll Taxes---$1,288,400
Pension Plan Contributions---$582,726
Fees for Services Management---$490,202
Insurance---$336,472
Fees for Services Legal---$261,894
Travel---$251,190
Conferences and Meetings---$146,324
Interest---$126,761
Fees for Services Accounting---$105,505
Grants to Domestic Individuals---$10,000
Other Expenses---$-209,866
Total Functional Expenses$0$0$0$61,472,638

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$61,472,638
Total Expenses per Audited Statements$61,472,638
Total Expenses per Form 990$61,472,638
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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
Member Share Accounts$1,240,968,214
Misc Operating Liabilities$1,476,453
Unrealized Gain (Loss)$85,013
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Per the credit unions charter any person who works, lives, worships, or attends school within the credit unions 9 county footprint charter can become a member. A $5 dollar deposit in an account will qualify a new account as a member of the credit union”

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

“The Board of Directors, at least 120 calendar days prior to the annual meeting, shall appoint a nominating committee of three (3) members. Such committee shall make nomination for directors in writing. If the Board of Directors shall fail to act at least 120 calendar days prior to the annual meeting, nominations for directors may be made at the annual meeting by any member and shall be voted upon.”

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

“The Form 990 is completed by the Manager of Financial Analysis & Reporting and reviewed by the VP-Finance/CFO prior to submission to ensure that all items have been completed accurately and thoroughly.”

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

“All employees are required to read the conflict of interest policy and electronically sign that they agree and will comply with the policy. This is done on an annual basis.”

Form 990, Part VI, Section B, Line 15

“A compensation study is done bi-annually by D Hilton, a respected outside consulting firm. All positions are reviewed based on job description and responsibilities. Comparisons are made to market for similar area and responsibilities and adjustments are made as determined appropriate by the senior staff or BOD.”

Form 990, Part VI, Section C, Line 19

“All governing documents, conflict of interest policies and financial statements are available to the public upon request. Copies of financial information are posted on the bulletin board at each physical branch for member review.”

Filing and Contact Details

Filer

Filer Name
AmeriCU Credit Union
EIN
15-0542361
Phone
3153563213
Address
1916 BLACK RIVER BLVD N, ROME, NY 13440

Signing Officer

Name
Tim Witter
Title
Manager of Financial Planning
Phone
3153563213
Signed
2017-04-17

Organization Details

Principal Officer
Mark Pfisterer
Formed
1956
Legal Domicile
Ny
Voting Board Members
7
Independent Board Members
7
Employees
375
Volunteers
0
Supplemental Narrative

Financial Statement Notes

Schedule D, Part IV, Line 2B

“Amounts are held in escrow for real estate taxes payable for mortgage loans to members”

Raw XML AppendixShowing 400 of 743 raw XML fields

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

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IRS990/Form990PartVIISectionAGrp/PersonNm0John A Stevenson
IRS990/Form990PartVIISectionAGrp/PersonNm1George Bauer III
IRS990/Form990PartVIISectionAGrp/PersonNm2Terri Tulowiecki
IRS990/Form990PartVIISectionAGrp/PersonNm3Sharon L Miazga
IRS990/Form990PartVIISectionAGrp/PersonNm4Ryan Khuns
IRS990/Form990PartVIISectionAGrp/PersonNm5Joseph J Turczyn
IRS990/Form990PartVIISectionAGrp/PersonNm6Charles S Sorrento
IRS990/Form990PartVIISectionAGrp/PersonNm7Mark A Pfisterer
IRS990/Form990PartVIISectionAGrp/PersonNm8Barth Eke
IRS990/Form990PartVIISectionAGrp/PersonNm9Lisa Malone
IRS990/Form990PartVIISectionAGrp/PersonNm10Vincent Schoonmaker
IRS990/Form990PartVIISectionAGrp/PersonNm11Christopher Berg
IRS990/Form990PartVIISectionAGrp/PersonNm12Patrick Dooley
IRS990/Form990PartVIISectionAGrp/PersonNm13Lorraine McCormick
IRS990/Form990PartVIISectionAGrp/PersonNm14Catherine Feltz
IRS990/Form990PartVIISectionAGrp/PersonNm15James Lombardo
IRS990/Form990PartVIISectionAGrp/PersonNm16Joseph Anderson
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7790706
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8186399
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9256990
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10215871
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11244903
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13191758
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14152730
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15148109
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16121681
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/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt12256086
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chief Financial Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Recording Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7President & Chief Executive Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt8Vice President of Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt9Chief Lending Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt10Chief Information Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt11Member Financial Advisor
IRS990/Form990PartVIISectionAGrp/TitleTxt12Chief Investment Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt13Vice President HR
IRS990/Form990PartVIISectionAGrp/TitleTxt14Mortgage Executive
IRS990/Form990PartVIISectionAGrp/TitleTxt15Chief Operating Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt16Chief Operating Officer
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01956
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt010000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt069388534
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt024
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt03029305
IRS990/InsuranceGrp/TotalAmt0336472
IRS990/InterestGrp/TotalAmt0126761
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01885493
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01885493
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt022411
IRS990/InvestmentsPubTradedSecGrp/EOYAmt017440
IRS990/IRPDocumentCnt033450
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt027012428
IRS990/LandBldgEquipBasisNetGrp/BOYAmt031632902
IRS990/LandBldgEquipBasisNetGrp/EOYAmt031733641
IRS990/LandBldgEquipCostOrOtherBssAmt058746069
IRS990/LegalDomicileStateCd0NY
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt02822516
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt02822516
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0AmeriCU Credit Union strives to be the primary financial resource for it's members. Our mission is to exceed member expectations and build beneficial and lasting relationships by providing excellent financial services
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt051000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt040000000
IRS990/NetAssetsOrFundBalancesBOYAmt0125569132
IRS990/NetAssetsOrFundBalancesEOYAmt0133485028
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02014637
IRS990/OfficeExpensesGrp/TotalAmt04040416
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01242407262
IRS990/OtherAssetsTotalGrp/EOYAmt01319146875
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt05440367
IRS990/OtherExpensesGrp/Desc0ATM/Debit Card Expense
IRS990/OtherExpensesGrp/Desc1Loan Servicing, Prof & Outside Svcs
IRS990/OtherExpensesGrp/Desc2Member Dividend Expense on Shares
IRS990/OtherExpensesGrp/Desc3Loss on Investments
IRS990/OtherExpensesGrp/TotalAmt04188444
IRS990/OtherExpensesGrp/TotalAmt13926108
IRS990/OtherExpensesGrp/TotalAmt28015977
IRS990/OtherExpensesGrp/TotalAmt3-209866
IRS990/OtherLiabilitiesGrp/BOYAmt01144018560
IRS990/OtherLiabilitiesGrp/EOYAmt01242529680
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1524292
IRS990/OtherRevenueMiscGrp/Desc0ATM Surcharge Fee
IRS990/OtherRevenueMiscGrp/Desc1Insurance & Investment Brokerage Svcs
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt10
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0932966
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1483130
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0932966
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt1483130
IRS990/OtherRevenueTotalAmt04238612
IRS990/OtherSalariesAndWagesGrp/TotalAmt014089159
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01288400
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt025722824
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt025722824
IRS990/PensionPlanContributionsGrp/TotalAmt0582726
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02334535
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02372541
IRS990/PrincipalOfficerNm0Mark Pfisterer
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2531120
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest paid my members
IRS990/ProgramServiceRevenueGrp/Desc1Service Fees and Charges
IRS990/ProgramServiceRevenueGrp/Desc2Rental Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt046820876
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt116411273
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt232280
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt046820876
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt116411273
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt232280
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0-131968
IRS990/PYOtherExpensesAmt035259745
IRS990/PYOtherRevenueAmt02376196
IRS990/PYProgramServiceRevenueAmt060146598
IRS990/PYRevenuesLessExpensesAmt08312454
IRS990/PYSalariesCompEmpBnftPaidAmt018818627
IRS990/PYTotalExpensesAmt054078372
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt062390826
IRS990/ReconcilationRevenueExpnssAmt07915896
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt069388534
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt099846308
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0107762204
IRS990/SavingsAndTempCashInvstGrp/BOYAmt033627367
IRS990/SavingsAndTempCashInvstGrp/EOYAmt058331374
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt018559990
IRS990ScheduleD/BuildingsGrp/DepreciationAmt05481790
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt024041780
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt06704552
IRS990ScheduleD/EquipmentGrp/DepreciationAmt019433958

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,432,971,796
Liabilities
$1,299,486,768
Net assets
$133,485,028
Revenue
$69,388,534
Expenses
$61,472,638
Net income
$7,915,896
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,762$2,531$231$175$164$10.9
2023Detailed filing. Detailed filing data is available for this year.$2,687$2,468$219$153$135$17.9
2022Detailed filing. Detailed filing data is available for this year.$2,697$2,504$193$129$95.1$34.1
2021Detailed filing. Detailed filing data is available for this year.$2,543$2,347$197$115$77.3$37.7
2020Detailed filing. Detailed filing data is available for this year.$2,209$2,046$163$82.5$76.7$5.82
2019Detailed filing. Detailed filing data is available for this year.$1,814$1,657$157$91.0$83.5$7.44
2018Detailed filing. Detailed filing data is available for this year.$1,578$1,428$150$75.7$69.5$6.15
2017Detailed filing. Detailed filing data is available for this year.$1,482$1,338$144$72.6$62.4$10.1
2016Detailed filing. Detailed filing data is available for this year.$1,433$1,299$133$69.4$61.5$7.92
2015Detailed filing. Detailed filing data is available for this year.$1,333$1,208$126$62.4$54.1$8.31
2014Detailed filing. Detailed filing data is available for this year.$1,264$1,147$117$63.4$51.6$11.8
2013Detailed filing. Detailed filing data is available for this year.$1,263$1,158$105$63.5$55.0$8.45
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,160$1,063$97.0$51.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,006$922$84.1$50.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$920$849$71.2$52.8