Civic Intelligence

Granite Hills Credit Union

EIN 22-2610446 • 501(c)14 • Barre, VT

View Organization Page

Profile

To deliver better financial solutions and build valued relationships with our credit union members.

328 North Main StreetBarre, VT 05641-4101

www.granitehills.org

Siviq Scores

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

Liabilities / Assets

46th percentile

0.87x

Higher debt load relative to assets than 46% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

79th percentile

24.62x

Higher debt load relative to revenue than 79% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

26th percentile

1.4%

Higher net margin than 26% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

75th percentile

3.1%

Faster asset growth than 75% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

24th percentile

-0.4%

Faster revenue growth than 24% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets46th percentile

Assets

Up

$38,636,898

Up $1,177,871 (+3.1%) from 2015

Liabilities

Up

$33,716,925

Up $1,219,573 (+3.8%) from 2015

Net Assets

Down

$4,919,973

Down $41,702 (-0.8%) from 2015

Operations
Liabilities / Revenue79th percentileNet Margin26th percentile

Revenue

Down

$1,369,714

Down $4,921 (-0.4%) from 2015

Expenses

Up

$1,350,745

Up $26,148 (+2.0%) from 2015

Net Income

Down

$18,969

Down $31,069 (-62%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth75th percentile

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

$40M$30M$20M$10M$0Assets 2010: $32,320,652Liabilities 2010: $27,647,132Net Assets 2010: $4,673,5202010Assets 2011: $31,820,954Liabilities 2011: $27,006,277Net Assets 2011: $4,814,6772011Assets 2012: $33,310,852Liabilities 2012: $28,357,112Net Assets 2012: $4,953,7402012Assets 2013: $34,607,781Liabilities 2013: $29,781,202Net Assets 2013: $4,826,5792013Assets 2014: $35,909,646Liabilities 2014: $30,950,429Net Assets 2014: $4,959,2172014Assets 2015: $37,459,027Liabilities 2015: $32,497,352Net Assets 2015: $4,961,6752015Assets 2016: $38,636,898Liabilities 2016: $33,716,925Net Assets 2016: $4,919,9732016

Highlighted filing

2016

Assets$38,636,898
Liabilities$33,716,925
Net Assets$4,919,973
Open 2016 Filing

Operations Trend

Revenue Growth24th percentile

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $1,514,6352010Expenses 2011: $1,433,1042011Revenue 2012: $1,580,132Expenses 2012: $1,293,483Net Income 2012: $286,6492012Revenue 2013: $1,463,479Expenses 2013: $1,323,567Net Income 2013: $139,9122013Revenue 2014: $1,437,616Expenses 2014: $1,310,777Net Income 2014: $126,8392014Revenue 2015: $1,374,635Expenses 2015: $1,324,597Net Income 2015: $50,0382015Revenue 2016: $1,369,714Expenses 2016: $1,350,745Net Income 2016: $18,9692016

Highlighted filing

2016

Revenue$1,369,714
Expenses$1,350,745
Net Income$18,969
Open 2016 Filing

Filings

Most recent year

2016 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$38,636,898
Liabilities
$33,716,925
Net assets
$4,919,973
Revenue
$1,369,714
Expenses
$1,350,745
Net income
$18,969
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.6$33.7$4.92$1.37$1.35$0.02
2015Detailed filing. Detailed filing data is available for this year.$37.5$32.5$4.96$1.37$1.32$0.05
2014Detailed filing. Detailed filing data is available for this year.$35.9$31.0$4.96$1.44$1.31$0.13
2013Detailed filing. Detailed filing data is available for this year.$34.6$29.8$4.83$1.46$1.32$0.14
2012Summary only. Only limited summary data is available for this year.$33.3$28.4$4.95$1.58$1.29$0.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.8$27.0$4.81$1.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.3$27.6$4.67$1.51
Latest Detailed Filing

The latest 2016 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2015 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 5, 2016
Return Version
2015v2.1
Gross Receipts
$5,256,171
Mission and Program Overview

Mission

To deliver better financial solutions and build valued relationships with our credit union members.

Operation of a state chartered credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$16,447,101$16,611,816▲ $164,715
Rtn Earn Endowment Incm Other Fnds$4,093,475$4,095,933▲ $2,458
Cash and Non-Interest-Bearing Accounts$1,856,220$3,048,881▲ $1,192,661
Savings and Temporary Cash Investments$1,495,496$2,500,762▲ $1,005,266
Land, Buildings, and Equipment, Net$1,613,614$1,586,217▼ $27,397
Pd in Cap Srpls Land Bldg Eqp Fund$865,742$865,742→ $0
Accounts Receivable$108,825$103,203▼ $5,622
Prepaid Expenses and Deferred Charges$41,430$62,282▲ $20,852
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$35,909,646$37,459,027▲ $1,549,381
Other Assets Total$14,346,960$13,545,866▼ $801,094
Liabilities
Other Liabilities$30,874,062$32,428,057▲ $1,553,995
Accounts Payable and Accrued Expenses$76,367$69,295▼ $7,072
Total Liabilities$30,950,429$32,497,352▲ $1,546,923
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,959,217$4,961,675▲ $2,458
Total Liabilities and Net Assets / Fund Balance$35,909,646$37,459,027▲ $1,549,381

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$883,722$171,088$1,054,810
Land$633,764-$633,764
Other Land Buildings$68,731$498,135$566,866
Other Assets Org$11,706,715--
Other Securities$25,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Susan M PoczobutCEO/treasurerFT$154,000$72,851$226,851

Board Members and Trustees

NameTitle
Scott WheelerChairperson
Michael PinkansVice Chairperson
Bethany ChenetteBoard Member
Kevin CopelandBoard Member
Patricia SheddBoard Member
Rosemary AverillBoard Member
Stephen KilloranBoard Member
Timothy GrenonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,117,277
Investment Income
$257,358
Other Revenue
$0
Change in Net Assets
$50,038

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,374,017
Revenue Not Reported on Financial Statements
$618
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$618
Total Revenue per Audited Statements
$1,374,017
Total Revenue per Form 990
$1,374,635
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$703,455
Salaries, Compensation, and Employee Benefits$621,142
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$321,713
Current Officers, Directors, Trustees, and Key Employees---$154,000
Occupancy---$103,362
Interest---$92,610
Other Employee Benefits---$91,815
Depreciation Depletion---$77,992
Advertising---$58,026
Fees for Services Accounting---$40,457
Payroll Taxes---$34,578
Insurance---$24,222
All Other Expenses---$21,050
Pension Plan Contributions---$19,036
Office Expenses---$16,536
Other Expenses---$7,173
Total Functional Expenses$0$0$0$1,324,597

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,324,597
Expenses per Audited Statements$1,323,979
Total Expenses per Audited Statements$1,323,979
Expenses Not Reported on Financial Statements$618
Other Expense Adjustments$618
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

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

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$31,888,852
Deferred Compensation$539,205
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
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

“Granite hills credit union's members are the shareholders of the entity. The credit union offers financial services to its members. To qualify as a member, an applicant must live or work in orange or washington counties of the state of vermont, or be a relative of an applicant meeting these criteria. Membership of select employee groups and family of members exist, and the current criteria are disclosed on the granitehills.org website - "about us membership dropdown menu.”

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

“Members of granite hills credit union are also the shareholders. They possess voting rights, and may elect candidates to the governing board.”

Form 990, Part VI, Section B, Line 11

“The form 990 (and 990-t if applicable), is approved by the executive director prior to filing. It is also presented to the board at the next regularly scheduled meeting.”

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

“The policy is reviewed annually by management and the board. Each board member, and staff annually sign a conflict of interest acknowledgment.”

Form 990, Part VI, Section B, Line 15

“Ceo compensation is determined by a sub-committee of the board. This personnel committee conducts a performance evaluation in connection with any prospective increase in compensation.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted monthly in the credit union's main and branch lobbies in a location accessible to the public.”

Filing and Contact Details

Filer

Filer Name
Granite Hills Credit Union
EIN
22-2610446
Phone
8025225000
Address
328 NORTH MAIN STREET, BARRE, VT 05641-4101

Signing Officer

Name
Susan M Poczobut
Title
CEO
Phone
8025225000
Signed
2016-05-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Susan M Poczobut
Formed
1952
Legal Domicile
Vt
Voting Board Members
9
Independent Board Members
9
Employees
11
Volunteers
14

Preparer

Firm
Am Peisch & Company Llp
Address
401 WATER TOWER CIRCLE STE 302, COLCHESTER, VT 05446-1914
Preparer
Glen a Bolster CPA
Phone
8026547255
Supplemental Narrative

Additional Explanations

Part XI, Line 2C

“There have been no changes in the procedures to obtain and complete the independent audit of the financial statements, including oversight of the results by the board.”

Part I, Line 6

“The volunteer figure consists of the board of directors and the advisory board members receiving no compensation for services.”

Financial Statement Notes

PART X, LINE 2:

“The credit union adopted the provisions of fasb interpretation no. 48 (fasb asc 740-10) on january 1, 2009. Fasb asc 740-10 prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return, and provides guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure, and transition. The credit union is not aware of any such uncertain tax positions.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Revenue included in other expenses on financial statements”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Revenue included in other expenses on financial statements”

Income Taxes Footnote

“The credit union is exempt from federal and state income taxes under internal revenue code section 501(c)(14)(a).”

Raw XML AppendixShowing 400 of 779 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/BOYAmt076367
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt069295
IRS990/AccountsReceivableGrp/BOYAmt0108825
IRS990/AccountsReceivableGrp/EOYAmt0103203
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0OPERATION OF A STATE CHARTERED CREDIT UNION.
IRS990/AdvertisingGrp/TotalAmt058026
IRS990/AllOtherExpensesGrp/TotalAmt021050
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0TREASURERGRANITE HILLS CRUNION
IRS990/BooksInCareOfDetail/PhoneNum08025225000
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0328 NORTH MAIN STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0BARRE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0VT
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0056414101
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01856220
IRS990/CashNonInterestBearingGrp/EOYAmt03048881
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0154000
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0257358
IRS990/CYOtherExpensesAmt0703455
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01117277
IRS990/CYRevenuesLessExpensesAmt050038
IRS990/CYSalariesCompEmpBnftPaidAmt0621142
IRS990/CYTotalExpensesAmt01324597
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01374635
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt077992
IRS990/Desc0PROGRAM SERVICES RELATE TO DAILY OPERATIONS OF A LOCALLY CONTROLLED, FULL SERVICE CREDIT UNION. WE MAKE LOANS, ACCEPT DEPOSIT ACCOUNTS, AND CONTINUALLY AND EFFICIENTLY PROVIDE OTHER RELEVANT FINANCIAL SERVICES TO A MEMBER BASE OF APPROXIMATELY 3,000 INDIVIDUALS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt011
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt040457
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt772851
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0KEVIN COPELAND
IRS990/Form990PartVIISectionAGrp/PersonNm1STEPHEN KILLORAN
IRS990/Form990PartVIISectionAGrp/PersonNm2BETHANY CHENETTE
IRS990/Form990PartVIISectionAGrp/PersonNm3MICHAEL PINKANS
IRS990/Form990PartVIISectionAGrp/PersonNm4ROSEMARY AVERILL
IRS990/Form990PartVIISectionAGrp/PersonNm5PATRICIA SHEDD
IRS990/Form990PartVIISectionAGrp/PersonNm6SCOTT WHEELER
IRS990/Form990PartVIISectionAGrp/PersonNm7SUSAN M POCZOBUT
IRS990/Form990PartVIISectionAGrp/PersonNm8TIMOTHY GRENON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
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IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt8SECRETARY
IRS990/Form990ProvidedToGvrnBodyInd00
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IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt017769
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt03899305
IRS990/GrossReceiptsAmt05256171
IRS990/GroupReturnForAffiliatesInd00
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IRS990/IndependentVotingMemberCnt09
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IRS990/IndoorTanningServicesInd00
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IRS990/InfoInScheduleOPartXIIInd0X
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IRS990/InterestGrp/TotalAmt092610
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0239589
IRS990/InvestmentInJointVentureInd00
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt016611816
IRS990/IRPDocumentCnt0489
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0669223
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IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO DELIVER BETTER FINANCIAL SOLUTIONS AND BUILD VALUED RELATIONSHIPS WITH OUR CREDIT UNION MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt04959217
IRS990/NetAssetsOrFundBalancesEOYAmt04961675
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt017769
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt017769
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-47580
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0103362
IRS990/OfficeExpensesGrp/TotalAmt016536
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt014346960
IRS990/OtherAssetsTotalGrp/EOYAmt013545866
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt091815
IRS990/OtherExpensesGrp/Desc0DATA PROCESSING
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2ODP PRIVILEGE PROFESSIO
IRS990/OtherExpensesGrp/Desc3BANK SERVICE CHARGES
IRS990/OtherExpensesGrp/TotalAmt0210620
IRS990/OtherExpensesGrp/TotalAmt135989
IRS990/OtherExpensesGrp/TotalAmt215418
IRS990/OtherExpensesGrp/TotalAmt37173
IRS990/OtherLiabilitiesGrp/BOYAmt030874062
IRS990/OtherLiabilitiesGrp/EOYAmt032428057
IRS990/OtherOrganizationDsc0STATE CHARTERED CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt0321713
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt034578
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0865742
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt0865742
IRS990/PensionPlanContributionsGrp/TotalAmt019036
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt041430
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt062282
IRS990/PrincipalOfficerNm0SUSAN M POCZOBUT
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IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
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IRS990/ProgramServiceRevenueGrp/Desc2FEES FROM NONMEMBERS
IRS990/ProgramServiceRevenueGrp/Desc3RESEARCH SERVICES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0662562
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IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01437616
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IRS990/ReconcilationRevenueExpnssAmt050038
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IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0618
IRS990ScheduleD/ExpensesSubtotalAmt01323979
IRS990ScheduleD/FootnoteTextInd0X
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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt11539205
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt211706715
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1DEFINED BENEFIT PLAN
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IRS990ScheduleD/OtherExpensesNotIncludedAmt0618
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt068731
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0498135
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0566866
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0539205
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt131888852
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DEFERRED COMPENSATION
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IRS990ScheduleD/OtherRevenuesNotIncludedAmt0618
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0232837
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1889065
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt298869
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt10849801
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt109150000

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