Civic Intelligence

Utilities Employees Credit Union

990 • Fiscal year 2017 • EIN 23-1278971

Jan 01, 2017 to Dec 31, 2017 • Filed on Jul 26, 2018

Organization ProfileWWW.UECU.ORG

View Organization Page

PO Box 14864Reading, PA 19612

(610) 927-4000

Siviq Scores

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

Liabilities / Assets

7th percentile

0.86x

Higher debt load relative to assets than 7% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Liabilities / Revenue

95th percentile

31.54x

Higher debt load relative to revenue than 95% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Net Margin

74th percentile

22%

Higher net margin than 74% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Top Officer Pay

52nd percentile

$883,089

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Asset Growth

8th percentile

2.3%

Faster asset growth than 8% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Revenue Growth

26th percentile

7.1%

Faster revenue growth than 26% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets7th percentile

Assets

Up

$1,179,762,569

Up $26,591,564 (+2.3%) from 2016

Net Assets

Up

$159,727,268

Up $5,770,298 (+3.7%) from 2016

Liabilities

Up

$1,020,035,301

Up $20,821,266 (+2.1%) from 2016

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin74th percentile

Revenue

Up

$32,341,015

Up $2,142,453 (+7.1%) from 2016

Expenses

Up

$25,077,556

Up $1,376,942 (+5.8%) from 2016

Net Income

Up

$7,263,459

Up $765,511 (+12%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth8th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $924,959,664Liabilities 2010: $792,601,579Net Assets 2010: $132,358,0852010Assets 2011: $989,281,391Liabilities 2011: $854,375,019Net Assets 2011: $134,906,3722011Assets 2012: $1,056,117,737Liabilities 2012: $907,107,904Net Assets 2012: $149,009,8332012Assets 2013: $1,076,760,503Liabilities 2013: $936,124,306Net Assets 2013: $140,636,1972013Assets 2014: $1,101,363,115Liabilities 2014: $950,037,812Net Assets 2014: $151,325,3032014Assets 2015: $1,118,719,456Liabilities 2015: $966,933,358Net Assets 2015: $151,786,0982015Assets 2016: $1,153,171,005Liabilities 2016: $999,214,035Net Assets 2016: $153,956,9702016Assets 2017: $1,179,762,569Liabilities 2017: $1,020,035,301Net Assets 2017: $159,727,2682017Assets 2018: $1,168,856,224Liabilities 2018: $1,006,907,471Net Assets 2018: $161,948,7532018Assets 2019: $1,240,523,769Liabilities 2019: $1,055,585,948Net Assets 2019: $184,937,8212019Assets 2020: $1,373,633,084Liabilities 2020: $1,168,463,543Net Assets 2020: $205,169,5412020Assets 2021: $1,413,911,583Liabilities 2021: $1,215,782,896Net Assets 2021: $198,128,6872021Assets 2022: $1,302,494,808Liabilities 2022: $1,183,288,386Net Assets 2022: $119,206,4222022Assets 2023: $1,290,454,642Liabilities 2023: $1,156,209,598Net Assets 2023: $134,245,0442023Assets 2024: $1,299,877,511Liabilities 2024: $1,165,316,733Net Assets 2024: $134,560,7782024

Highlighted filing

2017

Assets$1,179,762,569
Liabilities$1,020,035,301
Net Assets$159,727,268
Open 2017 Filing

Operations Trend

Revenue Growth26th percentile

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

$60M$40M$20M$0Expenses 2010: $30,441,3152010Expenses 2011: $30,530,5542011Expenses 2012: $25,873,0922012Revenue 2013: $30,576,235Expenses 2013: $23,205,563Net Income 2013: $7,370,6722013Revenue 2014: $31,730,170Expenses 2014: $23,052,117Net Income 2014: $8,678,0532014Revenue 2015: $29,591,424Expenses 2015: $23,080,217Net Income 2015: $6,511,2072015Revenue 2016: $30,198,562Expenses 2016: $23,700,614Net Income 2016: $6,497,9482016Revenue 2017: $32,341,015Expenses 2017: $25,077,556Net Income 2017: $7,263,4592017Revenue 2018: $37,009,765Expenses 2018: $26,853,242Net Income 2018: $10,156,5232018Revenue 2019: $39,533,831Expenses 2019: $32,058,288Net Income 2019: $7,475,5432019Revenue 2020: $36,229,490Expenses 2020: $29,690,904Net Income 2020: $6,538,5862020Revenue 2021: $35,402,889Expenses 2021: $24,069,079Net Income 2021: $11,333,8102021Revenue 2022: $39,066,819Expenses 2022: $28,508,432Net Income 2022: $10,558,3872022Revenue 2023: $48,344,957Expenses 2023: $45,615,561Net Income 2023: $2,729,3962023Revenue 2024: $55,910,699Expenses 2024: $55,840,337Net Income 2024: $70,3622024

Highlighted filing

2017

Revenue$32,341,015
Expenses$25,077,556
Net Income$7,263,459
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jul 26, 2018
Return Version
2017v2.3
Gross Receipts
$36,513,510
Mission and Program Overview

Mission

Uecu is a not-for-profit cooperative financial institution, owned by its members, operated for the purpose of promoting thrift, providing credit at reasonable rates and providing other financial services to our members

Uecu is a not-for-profit cooperative financial institution, owned by its members, operated for purpose of promoting thrift, providing credit at reasonable rates and providing other financial services to our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$830,608,919$815,753,130▼ $14,855,789
Other Notes and Loans Receivable, Net$275,630,818$307,432,561▲ $31,801,743
Rtn Earn Endowment Incm Other Fnds$153,956,970$159,727,268▲ $5,770,298
Savings and Temporary Cash Investments$16,999,243$24,014,985▲ $7,015,742
Land, Buildings, and Equipment, Net$10,708,307$10,539,336▼ $168,971
Investments Other Securities$886,379$929,870▲ $43,491
Prepaid Expenses and Deferred Charges$437,164$716,658▲ $279,494
Accounts Receivable$485,775$559,888▲ $74,113
Intangible Assets-$500,999-
Cash and Non-Interest-Bearing Accounts$650$36,712▲ $36,062
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,153,171,005$1,179,762,569▲ $26,591,564
Other Assets Total$17,413,750$19,278,430▲ $1,864,680
Liabilities
Other Liabilities$993,788,970$1,013,737,302▲ $19,948,332
Accounts Payable and Accrued Expenses$5,425,065$6,297,999▲ $872,934
Total Liabilities$999,214,035$1,020,035,301▲ $20,821,266
Net Assets / Fund Balance
Total Net Assets Fund Balance$153,956,970$159,727,268▲ $5,770,298
Total Liabilities and Net Assets / Fund Balance$1,153,171,005$1,179,762,569▲ $26,591,564

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,935,650$2,382,229$9,317,879
Land$3,161,950-$3,161,950
Equipment$441,736$2,496,556$2,938,292
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patricia a ZymaPresident/CEOFT$402,273$480,816$883,089
Bret H KrevolinVP/CFOFT$226,120$99,125$325,245
John AcanforaVP of It. Marketing and BuFT$197,443$84,473$281,916
Robert HallInvestment OfficerFT$163,265$78,114$241,379
Michael MaloneVP of LendingFT$149,202$76,609$225,811
Kenneth C HeydtFinance Manager/controllerFT$124,641$60,961$185,602
Kenneth StavarskiCompliance OfficerFT$111,115$62,414$173,529
Mary Ellen ClarkDeposit/card Service/projeFT$107,535$58,535$166,070
Ricky MinjockLending ManagerFT$121,857$27,808$149,665
Terrance LarkinLoan Operations/sales ManagerFT$125,003$23,622$148,625

Board Members and Trustees

NameTitle
Daniel M FurlongChairperson
Alan R MetzlerV. Chairperson
Amy J FleischmanDirector
Annmarie HigginsDirector
Joe DeaneDirector
Richard R BensonDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
GiftcertificatescomVantage Points Rewards Program11510 BLONDO STREET, Omaha, NE 68164$493,418
Jack Henry And AssociatesCore SystemPO BOX 609, Monett, MO 65708$258,722
IdscomStatement Processing747 E WHITCOMB AVENUE, Madison Heights, WI 48071$257,383
Pennsylvania Dept Of Banking And SecuritAnnual DuesPO BOX 2833, Harrisburg, PA 19018$242,852
Distributed Systems Services INCInformation Systems HardwareONE MERIDIAN BLVD, Wyomissing, PA 19610$201,710
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$16,633,220
Investment Income
$15,707,795
Other Revenue
$0
Change in Net Assets
$7,263,459
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,175,774
Salaries, Compensation, and Employee Benefits$8,901,782
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$9,947,771
Other Salaries and Wages---$5,285,774
Current Officers, Directors, Trustees, and Key Employees---$1,956,440
Advertising---$1,199,903
Other Employee Benefits---$867,222
Information Technology---$610,325
All Other Expenses---$596,466
Payroll Taxes---$507,117
Depreciation Depletion---$485,024
Office Expenses---$484,729
Occupancy---$311,685
Fees for Services Other---$303,056
Pension Plan Contributions---$285,229
Other Expenses---$242,852
Fees for Services Management---$102,395
Insurance---$91,267
Fees for Services Accounting---$46,992
Fees for Service Investment Mgmnt Fees---$35,217
Travel---$7,562
Conferences and Meetings---$7,341
Fees for Services Legal---$5,386
Total Functional Expenses$0$0$0$25,077,556
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
Money Market Savings$644,307,932
Regular Shares$178,007,073
Certificates of Deposit$65,383,648
Ira Shares$64,613,962
Share Draft$61,424,687
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Uecu is a not-for-profit cooperative financial institution, owned by its members, operated for the purpose of promoting thrift, providing credit at reasonable rates, and providing other financial services to its members.”

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

“The members own the organization and elect all members of the governing body.”

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

“There is no specific class for any member. Each member has equal voting rights when making decisions. Decisions that require approval include amendment of bylaws and election of officials (board of directors).”

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

“Form 990 is prepared by an independent public accountant. The form 990 was reviewed by the controller, cfo, and ceo. In addition, the administrative committee of the board of directors reviews the form prior to filing.”

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

“Business ethics policy provided and reviewed with new employees and volunteers (board of directors and audit committee). On an annual basis, each employee and volunteer must file a statement acknowledging receipt of the most recent policy and compliance with the policy. The affirmation is maintained by the credit union's in-house legal counsel. The president/ceo has authority to resolve questions dealing with conflicts of interest. Suspected conflicts may also be reported to the credit union's supervisory (audit) committee.”

Form 990, Part VI, Section B, Line 15

“The administrative committee of the board of directors annually reviews and approves the ceo's salary and incentive compensation program/payment. The committee also assists the ceo in evaluating the market and establishing compensation packages for the executive management team. The committee employs the services of an independent compensation consultant in fulfilling its responsibilities. The consultant provides an annual executive compensation update that allows the committee to monitor trends in the credit union industry to ensure the ceo and executive team compensation remain in an appropriate relationship to the market, in accordance with the credit union's compensation philosophy.”

Form 990, Part VI, Section C, Line 19

“The credit union's annual report is published on the organization's website. Copies are also made available to members, upon request. The credit union's governing documents and conflict of interest policy are available upon request.”

Filing and Contact Details

Filer

Filer Name
Utilities Employees Credit Union
EIN
23-1278971
Phone
6109274000
Address
PO BOX 14864, READING, PA 19612

Signing Officer

Name
Phillip Geiger CPA
Title
Vice President/CFO
Phone
6109274000
Signed
2018-07-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bret Krevolin
Formed
1934
Legal Domicile
Pa
Voting Board Members
7
Independent Board Members
6
Employees
97
Volunteers
9

Preparer

Firm
Doeren Mayhew
Address
12060 S W 129TH COURT STE 201, MIAMI, FL 33186-4582
Preparer
Douglas J Orth
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Atm expenses 229,598. Maintenance/repairs 199,722. Miscellaneous exp 167,146.”

FORM 990, PART XI, LINE 9:

“Net change in defined benefit pension plan -34,529. Net change in post-retirement healthcare plan 348. Reclassfication adjustment for net investment gains included in net income -71,000.”

FORM 990, PART XII, LINE 2C:

“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt from most federal, state, and local taxes under the provisions of the internal revenue code and state tax laws. The income taxes topic of the fasb asc clarifies accounting for uncertainty in income taxes reported in the consolidated financial statements. The interpretation provides criteria for assessment of individual tax positions and a process for recognition and measurement of uncertain tax positions. Tax positions are evaluated on whether they meet the "more likely than not" standard for sustainability on examination by tax authorities. The credit union is a state-chartered credit union as defined in internal revenue code (irc) section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities directly related to its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (ubi) derived by state-chartered credit unions. Beginning in march 2008, the internal revenue service (irs) released technical advice memorandums (tams) to specific state-chartered credit unions specifying the revenue sources subject to unrelated business income tax (ubit). Ubi may also be subject to tax in certain states. Management has assessed the credit union's activities and any potential federal or state income tax liability and determined that the credit union has no uncertain tax positions that qualify for either recognition of disclosure in the consolidated financial statements. Additionally, no interest and penalties have been recorded in the accompanying consolidated financial statements related to uncertain tax positions. Currently, the 2016, 2015, and 2014 federal income tax returns are open for examination by the irs. The filing years open for examination by the state, if applicable, may be equal to, greater than or less than the years open for examination by the irs. The credit union's wholly-owned subsidiary is organized as a limited liability company. As such, the subsidiary's taxable income or loss is passed through to the credit union. During the years ended december 31, 2017 and 2016, the credit union did not recognize any unrelated business income tax liabilities or benefits.”

Raw XML AppendixShowing 400 of 623 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/PersonNm0RICHARD R BENSON
IRS990/Form990PartVIISectionAGrp/PersonNm1JOE DEANE
IRS990/Form990PartVIISectionAGrp/PersonNm2AMY J FLEISCHMAN
IRS990/Form990PartVIISectionAGrp/PersonNm3DANIEL M FURLONG
IRS990/Form990PartVIISectionAGrp/PersonNm4ANNMARIE HIGGINS
IRS990/Form990PartVIISectionAGrp/PersonNm5ALAN R METZLER
IRS990/Form990PartVIISectionAGrp/PersonNm6PATRICIA A ZYMA
IRS990/Form990PartVIISectionAGrp/PersonNm7BRET H KREVOLIN
IRS990/Form990PartVIISectionAGrp/PersonNm8ROBERT HALL
IRS990/Form990PartVIISectionAGrp/PersonNm9JOHN ACANFORA
IRS990/Form990PartVIISectionAGrp/PersonNm10MICHAEL MALONE
IRS990/Form990PartVIISectionAGrp/PersonNm11KENNETH C HEYDT
IRS990/Form990PartVIISectionAGrp/PersonNm12RICKY MINJOCK
IRS990/Form990PartVIISectionAGrp/PersonNm13KENNETH STAVARSKI
IRS990/Form990PartVIISectionAGrp/PersonNm14MARY ELLEN CLARK
IRS990/Form990PartVIISectionAGrp/PersonNm15TERRANCE LARKIN
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IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5V. CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt6PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt8INVESTMENT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP OF IT. MARKETING AND BU
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt11FINANCE MANAGER/CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt12LENDING MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt13COMPLIANCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14DEPOSIT/CARD SERVICE/PROJE
IRS990/Form990PartVIISectionAGrp/TitleTxt15LOAN OPERATIONS/SALES MANAGER
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IRS990/FSAuditedInd01
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IRS990/GrantsToOrganizationsInd00
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IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
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IRS990/InsuranceGrp/TotalAmt091267
IRS990/IntangibleAssetsGrp/EOYAmt0500999
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt015636795
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IRS990/IRPDocumentCnt028804
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipCostOrOtherBssAmt015418121
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IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
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IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0UECU IS A NOT-FOR-PROFIT COOPERATIVE FINANCIAL INSTITUTION, OWNED BY ITS MEMBERS, OPERATED FOR THE PURPOSE OF PROMOTING THRIFT, PROVIDING CREDIT AT REASONABLE RATES AND PROVIDING OTHER FINANCIAL SERVICES TO OUR MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt071000
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-1387980
IRS990/NondeductibleContributionsInd00
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt017413750
IRS990/OtherAssetsTotalGrp/EOYAmt019278430
IRS990/OtherChangesInNetAssetsAmt0-105181
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0867222
IRS990/OtherExpensesGrp/Desc0DEBIT/CC EXPENSES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3BANK DEPT. FEES
IRS990/OtherExpensesGrp/TotalAmt0762834
IRS990/OtherExpensesGrp/TotalAmt1480000
IRS990/OtherExpensesGrp/TotalAmt2454969
IRS990/OtherExpensesGrp/TotalAmt3242852
IRS990/OtherLiabilitiesGrp/BOYAmt0993788970
IRS990/OtherLiabilitiesGrp/EOYAmt01013737302
IRS990/OtherSalariesAndWagesGrp/TotalAmt05285774
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0275630818
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0307432561
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0507117
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0285229
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0437164
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0716658
IRS990/PrincipalOfficerNm0BRET KREVOLIN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012963307
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13669913
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012963307
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13669913
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt014558276
IRS990/PYOtherExpensesAmt015334416
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt015640286
IRS990/PYRevenuesLessExpensesAmt06497948
IRS990/PYSalariesCompEmpBnftPaidAmt08366198
IRS990/PYTotalExpensesAmt023700614
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt030198562
IRS990/ReconcilationRevenueExpnssAmt07263459
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0153956970
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0159727268
IRS990/SavingsAndTempCashInvstGrp/BOYAmt016999243
IRS990/SavingsAndTempCashInvstGrp/EOYAmt024014985
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt02382229
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09317879
IRS990ScheduleD/EquipmentGrp/BookValueAmt0441736
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02496556
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02938292
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt03161950
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03161950
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt061424687
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1644307932
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2178007073
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt364613962
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt465383648
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE DRAFT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4CERTIFICATES OF DEPOSIT
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE TAX LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY ON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE (IRS) RELEASED TECHNICAL ADVICE MEMORANDUMS (TAMS) TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OF DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2016, 2015, AND 2014 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS. THE CREDIT UNION'S WHOLLY-OWNED SUBSIDIARY IS ORGANIZED AS A LIMITED LIABILITY COMPANY. AS SUCH, THE SUBSIDIARY'S TAXABLE INCOME OR LOSS IS PASSED THROUGH TO THE CREDIT UNION. DURING THE YEARS ENDED DECEMBER 31, 2017 AND 2016, THE CREDIT UNION DID NOT RECOGNIZE ANY UNRELATED BUSINESS INCOME TAX LIABILITIES OR BENEFITS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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IRS990ScheduleD/TotalLiabilityAmt01013737302
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1226120
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2163265
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3197443
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4149202
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5124641
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt6111115
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt7107535
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0215740
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount158813
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount220378
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount348739
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount429499
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount512304
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount611250
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount713375
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt50

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,179,762,569
Liabilities
$1,020,035,301
Net assets
$159,727,268
Revenue
$32,341,015
Expenses
$25,077,556
Net income
$7,263,459
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,300$1,165$135$55.9$55.8$0.07
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,290$1,156$134$48.3$45.6$2.73
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,302$1,183$119$39.1$28.5$10.6
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,414$1,216$198$35.4$24.1$11.3
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,374$1,168$205$36.2$29.7$6.54
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,241$1,056$185$39.5$32.1$7.48
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,169$1,007$162$37.0$26.9$10.2
2017Detailed filing. Detailed filing data is available for this year.$1,180$1,020$160$32.3$25.1$7.26
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,153$999$154$30.2$23.7$6.50
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,119$967$152$29.6$23.1$6.51
2014Detailed filing. Detailed filing data is available for this year.$1,101$950$151$31.7$23.1$8.68
2013Detailed filing. Detailed filing data is available for this year.$1,077$936$141$30.6$23.2$7.37
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,056$907$149$25.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$989$854$135$30.5
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$925$793$132$30.4
Peer Organizations

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