Civic Intelligence

Postal Employees Credit Union

EIN 21-0539240 • 501(c)14 • Trenton, NJ

Profile

To provide lending, savings amd other financial services to its qualifying members at terms generally better than available in the marketplace and with a "service-based emphasis" that recognizes the members' status as "owners".

PO Box 8033Trenton, NJ 08650

www.pecu24.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

28th percentile

0.84x

Higher debt load relative to assets than 28% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Liabilities / Revenue

89th percentile

24.67x

Higher debt load relative to revenue than 89% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Net Margin

54th percentile

12%

Higher net margin than 54% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Asset Growth

20th percentile

-3.8%

Faster asset growth than 20% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Revenue Growth

95th percentile

33%

Faster revenue growth than 95% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets28th percentile

Assets

Down

$37,252,312

Down $1,453,854 (-3.8%) from 2022

Liabilities

Down

$31,256,014

Down $1,527,148 (-4.7%) from 2022

Net Assets

Up

$5,996,298

Up $73,294 (+1.2%) from 2022

Operations
Liabilities / Revenue89th percentileNet Margin54th percentile

Revenue

Up

$1,266,720

Up $312,354 (+33%) from 2022

Expenses

Up

$1,115,765

Up $92,421 (+9.0%) from 2022

Net Income

Up

$150,955

Up $219,933 (+319%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth20th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2011: $41,509,058Liabilities 2011: $36,510,455Net Assets 2011: $4,998,6032011Assets 2012: $44,149,133Liabilities 2012: $38,751,997Net Assets 2012: $5,397,1362012Assets 2013: $43,482,195Liabilities 2013: $37,890,723Net Assets 2013: $5,591,4722013Assets 2014: $40,862,278Liabilities 2014: $35,141,416Net Assets 2014: $5,720,8622014Assets 2015: $41,013,624Liabilities 2015: $35,179,456Net Assets 2015: $5,834,1682015Assets 2016: $42,935,349Liabilities 2016: $37,220,633Net Assets 2016: $5,714,7162016Assets 2017: $40,613,143Liabilities 2017: $34,778,962Net Assets 2017: $5,834,1812017Assets 2018: $38,789,552Liabilities 2018: $32,950,857Net Assets 2018: $5,838,6952018Assets 2019: $37,191,847Liabilities 2019: $31,270,260Net Assets 2019: $5,921,5872019Assets 2020: $39,166,320Liabilities 2020: $33,334,918Net Assets 2020: $5,831,4022020Assets 2021: $41,602,027Liabilities 2021: $35,610,063Net Assets 2021: $5,991,9642021Assets 2022: $38,706,166Liabilities 2022: $32,783,162Net Assets 2022: $5,923,0042022Assets 2023: $37,252,312Liabilities 2023: $31,256,014Net Assets 2023: $5,996,2982023

Highlighted filing

2023

Assets$37,252,312
Liabilities$31,256,014
Net Assets$5,996,298
Open 2023 Filing

Operations Trend

Revenue Growth95th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2011: $1,632,3772011Expenses 2012: $1,496,4622012Revenue 2013: $1,587,762Expenses 2013: $1,393,426Net Income 2013: $194,3362013Revenue 2014: $1,539,541Expenses 2014: $1,410,151Net Income 2014: $129,3902014Revenue 2015: $1,292,465Expenses 2015: $1,105,987Net Income 2015: $186,4782015Revenue 2016: $1,114,504Expenses 2016: $1,233,956Net Income 2016: -$119,4522016Revenue 2017: $1,171,149Expenses 2017: $1,051,684Net Income 2017: $119,4652017Revenue 2018: $1,182,143Expenses 2018: $1,177,629Net Income 2018: $4,5142018Revenue 2019: $1,218,655Expenses 2019: $1,135,763Net Income 2019: $82,8922019Revenue 2020: $980,055Expenses 2020: $1,070,240Net Income 2020: -$90,1852020Revenue 2021: $1,114,492Expenses 2021: $953,930Net Income 2021: $160,5622021Revenue 2022: $954,366Expenses 2022: $1,023,344Net Income 2022: -$68,9782022Revenue 2023: $1,266,720Expenses 2023: $1,115,765Net Income 2023: $150,9552023

Highlighted filing

2023

Revenue$1,266,720
Expenses$1,115,765
Net Income$150,955
Open 2023 Filing

Filings

Most recent year

2023 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$37,252,312
Liabilities
$31,256,014
Net assets
$5,996,298
Revenue
$1,266,720
Expenses
$1,115,765
Net income
$150,955
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.3$31.3$6.00$1.27$1.12$0.15
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.7$32.8$5.92$0.95$1.02$0.07
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.6$35.6$5.99$1.11$0.95$0.16
2020Detailed filing. Detailed filing data is available for this year.$39.2$33.3$5.83$0.98$1.07$0.09
2019Detailed filing. Detailed filing data is available for this year.$37.2$31.3$5.92$1.22$1.14$0.08
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.8$33.0$5.84$1.18$1.18$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.6$34.8$5.83$1.17$1.05$0.12
2016Detailed filing. Detailed filing data is available for this year.$42.9$37.2$5.71$1.11$1.23$0.12
2015Detailed filing. Detailed filing data is available for this year.$41.0$35.2$5.83$1.29$1.11$0.19
2014Detailed filing. Detailed filing data is available for this year.$40.9$35.1$5.72$1.54$1.41$0.13
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.5$37.9$5.59$1.59$1.39$0.19
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$44.1$38.8$5.40$1.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.5$36.5$5.00$1.63
Latest Detailed Filing

The latest 2023 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
May 12, 2021
Return Version
2020v4.0
Gross Receipts
$980,055
Mission and Program Overview

Mission

To provide lending, savings amd other financial services to its qualifying members at terms generally better than available in the marketplace and with a "service-based emphasis" that recognizes the members' status as "owners".

The credit union provides financial services to qualified members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$8,464,063$11,397,289▲ $2,933,226
Investments Program Related$15,883,000$10,091,000▼ $5,792,000
Other Notes and Loans Receivable, Net$9,723,491$8,521,589▼ $1,201,902
Investments in Publicly Traded Securities$2,000,883$7,815,040▲ $5,814,157
Rtn Earn Endowment Incm Other Fnds$5,921,587$5,831,402▼ $90,185
Land, Buildings, and Equipment, Net$247,490$551,194▲ $303,704
Cash and Non-Interest-Bearing Accounts$341,352$291,792▼ $49,560
Prepaid Expenses and Deferred Charges$30,742$47,584▲ $16,842
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$37,191,847$39,166,320▲ $1,974,473
Other Assets Total$500,826$450,832▼ $49,994
Liabilities
Other Liabilities$31,154,597$33,219,558▲ $2,064,961
Accounts Payable and Accrued Expenses$115,663$115,360▼ $303
Total Liabilities$31,270,260$33,334,918▲ $2,064,658
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,921,587$5,831,402▼ $90,185
Total Liabilities and Net Assets / Fund Balance$37,191,847$39,166,320▲ $1,974,473

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$539,187$181,674$720,861
Equipment$12,007$210,730$222,737
Investment Program Related Org$10,091,000--
Other Land Buildings$0$0$0
Land$0-$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay11th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Darryl BelinskiCEOFT$112,477$112,477

Board Members and Trustees

NameTitle
JoAnn BowenChairman of the board
Margaret LangVice Chairman of the Board
Diane AndersonSecretary
Mark MaccaroniTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$638,945
Investment Income
$341,110
Other Revenue
$0
Change in Net Assets
$-90,185

Audited Revenue Reconciliation

Revenue per Audited Statements
$980,055
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$980,055
Total Revenue per Form 990
$980,055
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$433,120
Salaries, Compensation, and Employee Benefits$394,632
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$304,953
Benefits to Members---$242,488
Other Salaries and Wages---$165,595
Current Officers, Directors, Trustees, and Key Employees---$112,477
Other Employee Benefits---$93,641
Fees for Services Accounting---$35,075
Payroll Taxes---$22,919
Advertising---$10,428
Other Expenses---$9,091
Fees for Services Legal---$6,000
Conferences and Meetings---$4,288
Total Functional Expenses$0$0$0$1,070,240

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,070,240
Total Expenses per Audited Statements$1,070,240
Total Expenses per Form 990$1,070,240
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 savings & CD accounts$33,219,558
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 35% controlled entity
No
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

“The credit union is comprised of a single class of approximately 2100 member-owners, each of which has equal rights in ownership, governance and voting rights at the annual meeting, with the exception of the member-owners who are elected to the board of directors.”

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

“The member-owners fo the credit union have the authority to elect members to the board of directors for three year terms. Candidates are elected by a simple plurality vote. The board of directors appoint volunteers to serve on the supervisory committee, which is vested with monitoring safety and soundness of the organization.”

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

“Changes to the governing documents (bylaws) must be approved by the member-owners after they have been approved by the board of directors and the regulatory agency.”

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

“The organizations uses information reported on tax filings, call reports, audited financial statements and its computerized accounting systems to review the amounts, etc. listed on Form 990.”

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

“Board members and officers at every board meeting are asked about potential conflicts of interest regarding credit union activities. If a conflict exists, the conflicted board member(s) or officer(s) is excluded from discussion and voting related to any potential or existing relationships involving the conflict of interest.”

Form 990, Part VI, Section B, Line 15

“The process used to set the CEO's annual salary is based on a combination of comparison to comparable sized credit unions through the use of CUNA's annual compensation survey and attainment in the current year of predefined performance objectives set for the CEO personally and the credit union. This process is presented to the full board for approval.”

Form 990, Part VI, Section C, Line 19

“The documents can be reviewed by appointment at the credit union's office.”

Filing and Contact Details

Filer

Filer Name
Postal Employees Credit Union
EIN
21-0539240
Phone
6095854334
Address
PO Box 8033, Trenton, NJ 08650

Signing Officer

Name
Darryl Belinski
Title
CEO
Phone
6095854334
Signed
2021-05-12

Organization Details

Principal Officer
Darryl Belinski
Formed
1928
Legal Domicile
Nj
Voting Board Members
4
Independent Board Members
4
Employees
7
Volunteers
8
Raw XML AppendixShowing 400 of 445 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/BOYAmt0115663
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0115360
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0The credit union provides financial services to qualified members.
IRS990/AdvertisingGrp/TotalAmt010428
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt0242488
IRS990/BooksInCareOfDetail/PersonNm0Darryl Belinski
IRS990/BooksInCareOfDetail/PhoneNum06095854334
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04248 South Broad Street
IRS990/BooksInCareOfDetail/USAddress/CityNm0Trenton
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NJ
IRS990/BooksInCareOfDetail/USAddress/ZIPCd008620
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0341352
IRS990/CashNonInterestBearingGrp/EOYAmt0291792
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0112477
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt04288
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt0242488
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0341110
IRS990/CYOtherExpensesAmt0433120
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0638945
IRS990/CYRevenuesLessExpensesAmt0-90185
IRS990/CYSalariesCompEmpBnftPaidAmt0394632
IRS990/CYTotalExpensesAmt01070240
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0980055
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0Dividends and interest paid to members on approximately 4,000 deposit accounts held by approximately 2,400 members.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt07
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt035075
IRS990/FeesForServicesLegalGrp/TotalAmt06000
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.50
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/PersonNm0Darryl Belinski
IRS990/Form990PartVIISectionAGrp/PersonNm1Mark Maccaroni
IRS990/Form990PartVIISectionAGrp/PersonNm2Diane Anderson
IRS990/Form990PartVIISectionAGrp/PersonNm3JoAnn Bowen
IRS990/Form990PartVIISectionAGrp/PersonNm4Margaret Lang
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0112477
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Chairman of the board
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice Chairman of the Board
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01928
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt04
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0980055
IRS990/GroupReturnForAffiliatesInd00
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IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt04
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IRS990/IndoorTanningServicesInd00
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IRS990/InvestmentInJointVentureInd00
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IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0To provide lending, savings amd other financial services to its qualifying members at terms generally better than available in the marketplace and with a "service-based emphasis" that recognizes the members' status as "owners".
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt05921587
IRS990/NetAssetsOrFundBalancesEOYAmt05831402
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/TotalAmt0304953
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0500826
IRS990/OtherAssetsTotalGrp/EOYAmt0450832
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt093641
IRS990/OtherExpensesGrp/Desc0Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc1Loan Servicing Costs
IRS990/OtherExpensesGrp/Desc2Dues and Subscriptions
IRS990/OtherExpensesGrp/TotalAmt040951
IRS990/OtherExpensesGrp/TotalAmt122334
IRS990/OtherExpensesGrp/TotalAmt29091
IRS990/OtherLiabilitiesGrp/BOYAmt031154597
IRS990/OtherLiabilitiesGrp/EOYAmt033219558
IRS990/OtherOrganizationDsc0CU
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0165595
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt09723491
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt08521589
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt022919
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt030742
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt047584
IRS990/PrincipalOfficerNm0Darryl Belinski
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0586749
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt152196
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0586749
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt152196
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0Direct labor and employee benefit costs incurred providing savings deposit services, originating new loans and servicing the loan portfolio for members.
IRS990/ProgSrvcAccomActy3Grp/Desc0Data processing costs incurred recording member account activity and providing access to members to their accounts via home banking, ATM networks and in person at the credit union office.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0269372
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0540773
IRS990/PYOtherExpensesAmt0459427
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0677882
IRS990/PYRevenuesLessExpensesAmt082892
IRS990/PYSalariesCompEmpBnftPaidAmt0406964
IRS990/PYTotalExpensesAmt01135763
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01218655
IRS990/ReconcilationRevenueExpnssAmt0-90185
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05921587
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05831402
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08464063
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011397289
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0539187
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0181674
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0720861
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt012007
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0210730
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0222737
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt01070240
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt010091000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Other assets of corporate CD & other financial institutions
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt033219558
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member savings & CD accounts
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0980055
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0551194
IRS990ScheduleD/TotalBookValueProgramRltdAmt010091000
IRS990ScheduleD/TotalExpensesPerForm990Amt01070240
IRS990ScheduleD/TotalLiabilityAmt033219558
IRS990ScheduleD/TotalRevenuePerForm990Amt0980055
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0980055
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01070240
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt06625
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt15119
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt215000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt313082
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt49982
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt58138
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt024399
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt114000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt215000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt314193
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt411002
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt512000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Joann Bowen
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Mark Maccaroni
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Mark Maccaroni
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Margaret Lang
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Janice Wilkins
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Janice Wilkins
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Chairman
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Treasurer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Treasurer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Vice Chairman
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Supervisory committee member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Supervisory committee member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd51
IRS990ScheduleL/TotalBalanceDueAmt057946
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union is comprised of a single class of approximately 2100 member-owners, each of which has equal rights in ownership, governance and voting rights at the annual meeting, with the exception of the member-owners who are elected to the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The member-owners fo the credit union have the authority to elect members to the board of directors for three year terms. Candidates are elected by a simple plurality vote. The board of directors appoint volunteers to serve on the supervisory committee, which is vested with monitoring safety and soundness of the organization.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Changes to the governing documents (bylaws) must be approved by the member-owners after they have been approved by the board of directors and the regulatory agency.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The organizations uses information reported on tax filings, call reports, audited financial statements and its computerized accounting systems to review the amounts, etc. listed on Form 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Board members and officers at every board meeting are asked about potential conflicts of interest regarding credit union activities. If a conflict exists, the conflicted board member(s) or officer(s) is excluded from discussion and voting related to any potential or existing relationships involving the conflict of interest.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The process used to set the CEO's annual salary is based on a combination of comparison to comparable sized credit unions through the use of CUNA's annual compensation survey and attainment in the current year of predefined performance objectives set for the CEO personally and the credit union. This process is presented to the full board for approval.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The documents can be reviewed by appointment at the credit union's office.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt037191847
IRS990/TotalAssetsEOYAmt039166320
IRS990/TotalAssetsGrp/BOYAmt037191847
IRS990/TotalAssetsGrp/EOYAmt039166320
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01070240
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt031270260
IRS990/TotalLiabilitiesEOYAmt033334918
IRS990/TotalLiabilitiesGrp/BOYAmt031270260
IRS990/TotalLiabilitiesGrp/EOYAmt033334918
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05921587
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05831402
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00

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