Civic Intelligence

American Federation of State County & Municipal Employees

990 • Fiscal year 2016 • EIN 23-1320654

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 24, 2017

1600 Medical DrivePottstown, PA 19464

(800) 593-1000

Siviq Scores

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

Liabilities / Assets

50th percentile

0.90x

Higher debt load relative to assets than 50% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

26th percentile

15.66x

Higher debt load relative to revenue than 26% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

38th percentile

11%

Higher net margin than 38% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

92nd percentile

$827,204

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

89th percentile

12%

Faster asset growth than 89% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

20th percentile

3.1%

Faster revenue growth than 20% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Assets

Up

$549,472,588

Up $57,512,591 (+12%) from 2015

Net Assets

Up

$56,921,032

Up $3,321,897 (+6.2%) from 2015

Liabilities

Up

$492,551,556

Up $54,190,694 (+12%) from 2015

Revenue

Up

$31,444,891

Up $932,057 (+3.1%) from 2015

Expenses

Up

$28,113,586

Up $423,230 (+1.5%) from 2015

Net Income

Up

$3,331,305

Up $508,827 (+18%) from 2015

Historical Trend

Balance Sheet Trend

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

$1.5B$1.0B$500M$0Assets 2010: $358,158,403Liabilities 2010: $322,870,687Net Assets 2010: $35,287,7162010Assets 2011: $379,348,936Liabilities 2011: $340,736,683Net Assets 2011: $38,612,2532011Assets 2012: $385,174,073Liabilities 2012: $343,097,957Net Assets 2012: $42,076,1162012Assets 2013: $414,994,397Liabilities 2013: $367,895,801Net Assets 2013: $47,098,5962013Assets 2014: $450,432,908Liabilities 2014: $399,654,979Net Assets 2014: $50,777,9292014Assets 2015: $491,959,997Liabilities 2015: $438,360,862Net Assets 2015: $53,599,1352015Assets 2016: $549,472,588Liabilities 2016: $492,551,556Net Assets 2016: $56,921,0322016Assets 2017: $575,971,424Liabilities 2017: $515,370,703Net Assets 2017: $60,600,7212017Assets 2018: $619,423,779Liabilities 2018: $554,328,733Net Assets 2018: $65,095,0462018Assets 2019: $678,645,440Liabilities 2019: $608,579,925Net Assets 2019: $70,065,5152019Assets 2020: $806,835,238Liabilities 2020: $731,986,899Net Assets 2020: $74,848,3392020Assets 2021: $922,377,479Liabilities 2021: $842,366,329Net Assets 2021: $80,011,1502021Assets 2022: $950,632,179Liabilities 2022: $871,294,353Net Assets 2022: $79,337,8262022Assets 2023: $974,020,333Liabilities 2023: $881,023,889Net Assets 2023: $92,996,4442023Assets 2024: $1,058,174,168Liabilities 2024: $952,727,326Net Assets 2024: $105,446,8422024

Highlighted filing

2016

Assets$549,472,588
Liabilities$492,551,556
Net Assets$56,921,032

Operations Trend

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

$80M$60M$40M$20M$0Revenue 2010: $28,218,597Expenses 2010: $25,196,664Net Income 2010: $3,021,9332010Revenue 2011: $27,557,347Expenses 2011: $24,280,005Net Income 2011: $3,277,3422011Revenue 2012: $27,880,722Expenses 2012: $24,328,907Net Income 2012: $3,551,8152012Revenue 2013: $28,345,545Expenses 2013: $23,323,065Net Income 2013: $5,022,4802013Revenue 2014: $28,693,190Expenses 2014: $25,014,144Net Income 2014: $3,679,0462014Revenue 2015: $30,512,834Expenses 2015: $27,690,356Net Income 2015: $2,822,4782015Revenue 2016: $31,444,891Expenses 2016: $28,113,586Net Income 2016: $3,331,3052016Revenue 2017: $33,915,043Expenses 2017: $30,009,386Net Income 2017: $3,905,6572017Revenue 2018: $37,445,859Expenses 2018: $32,918,099Net Income 2018: $4,527,7602018Revenue 2019: $41,697,520Expenses 2019: $37,425,389Net Income 2019: $4,272,1312019Revenue 2020: $39,376,306Expenses 2020: $36,481,135Net Income 2020: $2,895,1712020Revenue 2021: $42,054,203Expenses 2021: $35,180,178Net Income 2021: $6,874,0252021Revenue 2022: $46,587,819Expenses 2022: $41,003,562Net Income 2022: $5,584,2572022Revenue 2023: $57,604,066Expenses 2023: $49,767,908Net Income 2023: $7,836,1582023Revenue 2024: $67,968,143Expenses 2024: $61,046,829Net Income 2024: $6,921,3142024

Highlighted filing

2016

Revenue$31,444,891
Expenses$28,113,586
Net Income$3,331,305
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 24, 2017
Return Version
2016v3.0
Gross Receipts
$31,945,792
Mission and Program Overview

Mission

The purpose of this credit union is to promote thrift among its members by affording them an opportunity to accumulate their savings, and to create for them a source of credit for provident or productive purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$415,844,616$419,022,195▲ $3,177,579
Savings and Temporary Cash Investments$23,662,000$64,896,745▲ $41,234,745
Rtn Earn Endowment Incm Other Fnds$53,599,135$56,921,032▲ $3,321,897
Land, Buildings, and Equipment, Net$14,471,671$14,219,209▼ $252,462
Investments Other Securities$3,343,411$13,527,186▲ $10,183,775
Prepaid Expenses and Deferred Charges$5,127,175$5,177,061▲ $49,886
Cash and Non-Interest-Bearing Accounts$4,599,990$4,253,079▼ $346,911
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$491,959,997$549,472,588▲ $57,512,591
Other Assets Total$24,911,134$28,377,113▲ $3,465,979
Liabilities
Other Liabilities$428,066,013$478,498,667▲ $50,432,654
Accounts Payable and Accrued Expenses$10,294,849$14,052,889▲ $3,758,040
Total Liabilities$438,360,862$492,551,556▲ $54,190,694
Net Assets / Fund Balance
Total Net Assets Fund Balance$53,599,135$56,921,032▲ $3,321,897
Total Liabilities and Net Assets / Fund Balance$491,959,997$549,472,588▲ $57,512,591

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,614,242$7,918,273$10,532,515
Buildings$8,398,834$2,084,404$10,483,238
Land$3,206,133-$3,206,133
Other Assets Org$22,790,751--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
John FaustPresident/CEOFT$480,416$346,788$827,204
Anita RohrbackExec VP/COOFT$309,072$217,626$526,698
Lori LevengoodSr VP/CLOFT$211,191$152,761$363,952
Todd RothenbergerSr VP/chief Marketing OfficerFT$205,572$140,954$346,526
Barbara MitchellVP/CFOFT$130,842$92,684$223,526
James Daly IiiVP/CIOFT$123,888$79,460$203,348
Beth WaltonVP/chroFT$104,480$70,904$175,384

Board Members and Trustees

NameTitle
Patrick M AustinChairman
Eugene F Carter JrVice Chairman
Clark D CaugheyBoard Member
David L LekitesBoard Member
Mark V WallaceBoard Member
Robert TomascikBoard Member
Sandi M ChieffoBoard Member
Marcia J LevengoodSecretary
Gary W YostTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$25,311,108
Investment Income
$230,902
Other Revenue
$5,902,881
Change in Net Assets
$3,331,305
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,151,335
Salaries, Compensation, and Employee Benefits$12,962,251
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$8,264,439
Fees for Services Other---$2,773,236
Other Employee Benefits---$1,623,993
Office Expenses---$1,394,468
Current Officers, Directors, Trustees, and Key Employees---$1,353,902
Pension Plan Contributions---$1,043,564
Occupancy---$961,588
Depreciation Depletion---$935,366
Advertising---$697,142
Payroll Taxes---$676,353
Other Expenses---$649,347
All Other Expenses---$219,197
Insurance---$144,563
Fees for Services Accounting---$86,487
Travel---$61,436
Fees for Services Legal---$32,760
Total Functional Expenses$0$0$0$28,113,586
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
MEMBERS' SHARES & SAVINGS ACCOUNTS$478,498,667
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

A member is anyone who lives, works, worships, regularly conducts business, or attends school in berks county and the tri-county region. A member is required to purchase and maintain the minimum required share(s) (membership share $5.00).

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

All members in good standing who are at least 16 years of age receive one vote.

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

Decisions requiring approval of members, as described in part vi, section a, line 7a, are as follows: members of the governing body charter or name change merger

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

The accounting manager and vice president of human resources review form 990 to ensure information provided has been properly reported. Additionally, the cfo and also the executive vice president review form 990 to ensure proper reporting.

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

Diamond credit union annually distributes, discusses, and receives back signed acknowledgements of bank bribery act policies.

Form 990, Part VI, Section B, Line 15

The personnel committee, which consists of a sub-set of board members, obtains the expertise of an independent compensation consultant and also industry compensation surveys and studies to establish the compensation which is then presented to the board for final approval.

Form 990, Part VI, Section C, Line 18

The organization's form 990 is available upon request.

Form 990, Part VI, Section C, Line 19

The organization makes its governing documents, conflict of interest policy, and financial statements available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Diamond Credit Union
EIN
23-1320654
Phone
8005931000
Address
1600 MEDICAL DRIVE, POTTSTOWN, PA 19464

Signing Officer

Name
Anita Rohrback
Title
Exec VP
Phone
8005931000
Signed
2017-10-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John M Faust
Formed
1947
Legal Domicile
Pa
Voting Board Members
9
Independent Board Members
9
Employees
170
Volunteers
9

Preparer

Firm
Rkl Llp
Address
1330 BROADCASTING ROAD PO BOX 7008, WYOMISSING, PA 19610-6008
Preparer
James W Pruzinsky
Phone
6103761595
Supplemental Narrative

Additional Explanations

Form 990, Part V, Line 1C

The organization did not have any instances where backup withholding was required; however, if the situation would arise, the organization is aware of the reporting requirements and would handle that accordingly.

Form 990, Part XII, Line 2C

The oversight process of the audit of the financial statements and selection of an independent accountant has not changed from prior years.

Form 990, Part IV, Line 12

The organization received an audited financial statement for the fiscal year ended june 30, 2016. The organization's form 990 is prepared for the calendar year ending december 31, 2016. The reconciliations of revenue and expenses per audited financial statements with revenue and expenses per return were not completed due to the difference in reporting years.

Financial Statement Notes

PART IV, LINE 1B:

The credit union provides credit counseling services to its members, however they do not act as an intermediary on behalf of its members

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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/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10EXEC VP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt11SR VP/CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SR VP/CHIEF MARKETING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP/CHRO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01947
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-16082
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0484819
IRS990/GrossReceiptsAmt031945792
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt09
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt0144563
IRS990/InvestmentIncomeGrp/ExclusionAmt0246984
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0246984
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt03343411
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt013527186
IRS990/IRPDocumentCnt011211
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt010002677
IRS990/LandBldgEquipBasisNetGrp/BOYAmt014471671
IRS990/LandBldgEquipBasisNetGrp/EOYAmt014219209
IRS990/LandBldgEquipCostOrOtherBssAmt024221886
IRS990/LegalDomicileStateCd0PA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0500901
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE PURPOSE OF THIS CREDIT UNION IS TO PROMOTE THRIFT AMONG ITS MEMBERS BY AFFORDING THEM AN OPPORTUNITY TO ACCUMULATE THEIR SAVINGS, AND TO CREATE FOR THEM A SOURCE OF CREDIT FOR PROVIDENT OR PRODUCTIVE PURPOSES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt053599135
IRS990/NetAssetsOrFundBalancesEOYAmt056921032
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-16082
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-16082
IRS990/NetUnrelatedBusTxblIncmAmt0-55
IRS990/NetUnrlzdGainsLossesInvstAmt0-9408
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0961588
IRS990/OfficeExpensesGrp/TotalAmt01394468
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt024911134
IRS990/OtherAssetsTotalGrp/EOYAmt028377113
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01623993
IRS990/OtherExpensesGrp/Desc0DIVIDENDS ON MEMBER DEP
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3OFFICE OPERATIONS
IRS990/OtherExpensesGrp/TotalAmt03430142
IRS990/OtherExpensesGrp/TotalAmt11884000
IRS990/OtherExpensesGrp/TotalAmt21881603
IRS990/OtherExpensesGrp/TotalAmt3649347
IRS990/OtherLiabilitiesGrp/BOYAmt0428066013
IRS990/OtherLiabilitiesGrp/EOYAmt0478498667
IRS990/OtherRevenueMiscGrp/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/BusinessCd1523000
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
IRS990/OtherRevenueMiscGrp/Desc1FINANCIAL ADVISORY SERVICES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt05297678
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1560811
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt05342070
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1560811
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt044392
IRS990/OtherRevenueTotalAmt05902881
IRS990/OtherSalariesAndWagesGrp/TotalAmt08264439
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0415844616
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0419022195
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0676353
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01043564
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05127175
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt05177061
IRS990/PrincipalOfficerNm0JOHN M FAUST
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt019519511
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt15791597
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt019519511
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15791597
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0233926
IRS990/PYOtherExpensesAmt015786100
IRS990/PYOtherRevenueAmt04909271
IRS990/PYProgramServiceRevenueAmt025369637
IRS990/PYRevenuesLessExpensesAmt02822478
IRS990/PYSalariesCompEmpBnftPaidAmt011904256
IRS990/PYTotalExpensesAmt027690356
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt030512834
IRS990/ReconcilationRevenueExpnssAmt03331305
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt053599135
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt056921032
IRS990/SavingsAndTempCashInvstGrp/BOYAmt023662000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt064896745
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt08398834
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02084404
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt010483238
IRS990ScheduleD/EquipmentGrp/BookValueAmt02614242
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07918273
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt010532515
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt03206133
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03206133
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0776333
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt14512083
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2297946
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt322790751
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST ON LOANS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF CAPITALIZATION DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2NET INVESTMENT IN CUSO
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3OTHER ASSETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0478498667
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES & SAVINGS ACCOUNTS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION PROVIDES CREDIT COUNSELING SERVICES TO ITS MEMBERS, HOWEVER THEY DO NOT ACT AS AN INTERMEDIARY ON BEHALF OF ITS MEMBERS
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 1B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt014219209
IRS990ScheduleD/TotalBookValueOtherAssetsAmt028377113
IRS990ScheduleD/TotalLiabilityAmt0478498667
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0480416
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1309072
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2211191
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3205572
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4130842
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5123888
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt6104480
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0259659
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount1137904
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount286988
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount383732
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount439035
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount535740
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount629029
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt057750
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt157750
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt239750
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt339750
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt428697
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt526460
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt622302
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt40

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,058$953$105$68.0$61.0$6.92
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$974$881$93.0$57.6$49.8$7.84
2022Detailed filing. Detailed filing data is available for this year.$951$871$79.3$46.6$41.0$5.58
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$922$842$80.0$42.1$35.2$6.87
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$807$732$74.8$39.4$36.5$2.90
2019Detailed filing. Detailed filing data is available for this year.$679$609$70.1$41.7$37.4$4.27
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$619$554$65.1$37.4$32.9$4.53
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$576$515$60.6$33.9$30.0$3.91
2016Detailed filing. Detailed filing data is available for this year.$549$493$56.9$31.4$28.1$3.33
2015Detailed filing. Detailed filing data is available for this year.$492$438$53.6$30.5$27.7$2.82
2014Detailed filing. Detailed filing data is available for this year.$450$400$50.8$28.7$25.0$3.68
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$415$368$47.1$28.3$23.3$5.02
2012Summary only. Only limited summary data is available for this year.$385$343$42.1$27.9$24.3$3.55
2011Summary only. Only limited summary data is available for this year.$379$341$38.6$27.6$24.3$3.28
2010Summary only. Only limited summary data is available for this year.$358$323$35.3$28.2$25.2$3.02