Civic Intelligence

Belco Community Credit Union

990 • Fiscal year 2013 • EIN 23-1445884

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 20, 2014

Organization ProfileWWW.BELCO.ORG

View Organization Page

449 Eisenhower Blvd17111

(800) 642-4482

Siviq Scores

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

Liabilities / Assets

77th percentile

0.91x

Higher debt load relative to assets than 77% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

29th percentile

15.47x

Higher debt load relative to revenue than 29% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

22nd percentile

8.1%

Higher net margin than 22% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

95th percentile

$925,202

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 4.0% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

16th percentile

0.6%

Faster asset growth than 16% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

24th percentile

-1.5%

Faster revenue growth than 24% of similar nonprofits.

2013 filings • $250M-$1B nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets77th percentile

Assets

Up

$389,627,433

Up $2,434,806 (+0.6%) from 2012

Net Assets

Up

$33,907,963

Up $2,299,072 (+7.3%) from 2012

Liabilities

Up

$355,719,470

Up $135,734 (+0.0%) from 2012

Revenue And Expenses
Liabilities / Revenue29th percentileNet Margin22nd percentile

Revenue

Down

$22,998,708

Down $339,655 (-1.5%) from 2012

Expenses

Up

$21,144,932

Up $259,692 (+1.2%) from 2012

Net Income

Down

$1,853,776

Down $599,347 (-24%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth16th percentile

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

$1.0B$500M$0Assets 2010: $335,352,544Liabilities 2010: $305,946,592Net Assets 2010: $29,405,9522010Assets 2011: $372,585,630Liabilities 2011: $343,475,685Net Assets 2011: $29,109,9452011Assets 2012: $387,192,627Liabilities 2012: $355,583,736Net Assets 2012: $31,608,8912012Assets 2013: $389,627,433Liabilities 2013: $355,719,470Net Assets 2013: $33,907,9632013Assets 2014: $419,270,134Liabilities 2014: $384,085,651Net Assets 2014: $35,184,4832014Assets 2015: $438,559,605Liabilities 2015: $401,632,857Net Assets 2015: $36,926,7482015Assets 2016: $453,823,918Liabilities 2016: $413,883,246Net Assets 2016: $39,940,6722016Assets 2017: $595,659,758Liabilities 2017: $542,115,290Net Assets 2017: $53,544,4682017Assets 2018: $613,628,377Liabilities 2018: $556,637,862Net Assets 2018: $56,990,5152018Assets 2019: $629,886,333Liabilities 2019: $569,121,314Net Assets 2019: $60,765,0192019Assets 2020: $741,180,010Liabilities 2020: $673,735,241Net Assets 2020: $67,444,7692020Assets 2021: $811,601,260Liabilities 2021: $739,587,076Net Assets 2021: $72,014,1842021Assets 2022: $935,041,238Liabilities 2022: $891,246,439Net Assets 2022: $43,794,7992022Assets 2023: $917,387,402Liabilities 2023: $867,745,195Net Assets 2023: $49,642,2072023Assets 2024: $935,226,776Liabilities 2024: $883,127,575Net Assets 2024: $52,099,2012024

Highlighted filing

2013

Assets$389,627,433
Liabilities$355,719,470
Net Assets$33,907,963
Open 2013 Filing

Operations Trend

Revenue Growth24th percentile

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

$80M$60M$40M$20M$0Expenses 2010: $21,831,0312010Expenses 2011: $22,619,7032011Revenue 2012: $23,338,363Expenses 2012: $20,885,240Net Income 2012: $2,453,1232012Revenue 2013: $22,998,708Expenses 2013: $21,144,932Net Income 2013: $1,853,7762013Revenue 2014: $23,935,603Expenses 2014: $21,435,428Net Income 2014: $2,500,1752014Revenue 2015: $24,908,964Expenses 2015: $23,243,979Net Income 2015: $1,664,9852015Revenue 2016: $26,274,612Expenses 2016: $22,979,233Net Income 2016: $3,295,3792016Revenue 2017: $30,230,786Expenses 2017: $27,967,538Net Income 2017: $2,263,2482017Revenue 2018: $35,373,397Expenses 2018: $30,834,038Net Income 2018: $4,539,3592018Revenue 2019: $38,281,599Expenses 2019: $31,838,798Net Income 2019: $6,442,8012019Revenue 2020: $36,897,498Expenses 2020: $32,210,678Net Income 2020: $4,686,8202020Revenue 2021: $40,862,040Expenses 2021: $32,408,455Net Income 2021: $8,453,5852021Revenue 2022: $48,046,376Expenses 2022: $40,889,110Net Income 2022: $7,157,2662022Revenue 2023: $55,881,523Expenses 2023: $52,708,984Net Income 2023: $3,172,5392023Revenue 2024: $63,216,004Expenses 2024: $60,370,971Net Income 2024: $2,845,0332024

Highlighted filing

2013

Revenue$22,998,708
Expenses$21,144,932
Net Income$1,853,776
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 20, 2014
Return Version
2013v3.1
Gross Receipts
$44,603,196
Mission and Program Overview

Mission

Build trust, create and grow relationships and provide gold star service.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$247,476,821$261,489,653▲ $14,012,832
Investments in Publicly Traded Securities$70,770,819$55,559,248▼ $15,211,571
Rtn Earn Endowment Incm Other Fnds$31,608,891$33,907,963▲ $2,299,072
Land, Buildings, and Equipment, Net$25,644,034$26,813,963▲ $1,169,929
Investments Other Securities$16,457,517$17,227,024▲ $769,507
Cash and Non-Interest-Bearing Accounts$5,991,431$5,919,210▼ $72,221
Savings and Temporary Cash Investments$5,203,717$4,826,749▼ $376,968
Accounts Receivable$1,355,227$1,183,579▼ $171,648
Prepaid Expenses and Deferred Charges$982,907$797,288▼ $185,619
Receivables From Officers Etc$351,844$400,000▲ $48,156
Total Assets$387,192,627$389,627,433▲ $2,434,806
Other Assets Total$12,958,310$15,410,719▲ $2,452,409
Liabilities
Other Liabilities$347,154,717$341,660,247▼ $5,494,470
Mortgage Notes Payable Secured by Investment Property$6,012,673$12,035,761▲ $6,023,088
Accounts Payable and Accrued Expenses$2,416,346$2,023,462▼ $392,884
Total Liabilities$355,583,736$355,719,470▲ $135,734
Net Assets / Fund Balance
Total Net Assets Fund Balance$31,608,891$33,907,963▲ $2,299,072
Total Liabilities and Net Assets / Fund Balance$387,192,627$389,627,433▲ $2,434,806

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$17,616,102$5,069,613$22,685,715
Equipment$2,783,511$9,405,199$12,188,710
Land$5,023,221-$5,023,221
Other Land Buildings$1,337,156-$1,337,156
Leasehold Improvements$53,973$291,745$345,718
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lonny MaurerPresident/ceFT$264,645$660,557$925,202
Lonny MaurerPresident/CEO-$248,415$676,787$925,202
Charles DelmarcelleExecutive ViFT$167,440$292,480$459,920
Charles DelmarcelleExecutive Vice-pres-$157,610$302,310$459,920
Amey SgrignoliExecutive VPFT$103,692$48,762$152,454
Robert HokeVice-pres ofFT$90,381$59,240$149,621
Donald PersonDirectorPT$1,500-$1,500

Board Members and Trustees

NameTitle
Richard LytleChairperson
Stephanie MillerVice Chair
Lavern ShearerDirector
Margaret MinnichDirector
Suzanne HofferDirector
WILLIAM O'DONNELLDirector
Terry HesslerSecretary
Craig ErdmanTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Smigel Anderson & Sacks LLPLegal-$132,407
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$19,666,841
Investment Income
$1,744,796
Other Revenue
$1,587,071
Change in Net Assets
$1,853,776

Audited Revenue Reconciliation

Revenue per Audited Statements
$22,998,708
Revenue Not Reported on Form 990
$445,296
Total Revenue per Audited Statements
$23,444,004
Total Revenue per Form 990
$22,998,708
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,903,239
Salaries, Compensation, and Employee Benefits$8,241,693
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,453,015
Office Expenses---$2,909,864
Interest---$2,012,702
Depreciation Depletion---$1,588,922
Other Employee Benefits---$1,244,357
Current Officers, Directors, Trustees, and Key Employees---$1,076,323
Advertising---$1,030,338
Occupancy---$986,154
Payroll Taxes---$512,746
Other Expenses---$274,311
Insurance---$217,483
Conferences and Meetings---$172,844
Fees for Services Accounting---$86,643
Travel---$58,345
All Other Expenses---$35,000
Fees for Services Legal---$27,745
Pension Plan Contributions---$-44,748
Total Functional Expenses$0$0$0$21,144,932

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$21,144,932
Total Expenses per Audited Statements$21,144,932
Total Expenses per Form 990$21,144,932
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$351,844$400,000▲ $48,156
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Savings Accounts$263,449,080
Member Certificates of Deposit$74,770,092
Accrued Deferred Compensation Plans$3,441,075
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by its 49,429 members.”

Form 990, Page 6, Part VI, Line 7A

“The credit union has a single class of members. Each member has a single vote in the election of members to the credit union's board of directors.”

Form 990, Page 6, Part VI, Line 7B

“The credit union's members must approve: -the merger of the credit union. -the dissolution or conversion of the credit union. -changes to the credit union's charter, articles and bylaws.”

Form 990, Page 6, Part VI, Line 11B

“The credit union's board of directors and supervisory committee is provided with a copy of the form 990 prior to the filing of the return.”

Form 990, Page 6, Part VI, Line 12C

“Members of the board of directors and supervisory committee, and key belco employees must disclose all potential conflicts of interest, including those where the person has inadvertently been placed in a situation due to either a business or personal relationship. Each member of the board of directors and supervisory committee, and all key employee covered under this policy will annually sign the "conflict of interest statement", which affirms that each person: 1.has received a copy of the belco conflict of interest policy, 2.has read and understands the belco conflict of interest policy, 3.has agreed to comply with the belco conflict of interest policy, 4.was not a participant, directly or indirectly, in any arrangement, agreement, investment, or other activity with any vendor, supplier, or other party doing business with belco that has resulted or could result in personal benefit to them, which was not disclosed to and approved by the board of directors, and 5.was not a recipient, directly or indirectly, of any salary payments, loans, gifts of any kind, any free service or discounts, or other fees from or on behalf of any person or entity engaged in any transaction with belco, which was not disclosed to and approved by the board of directors.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors is responsible for setting criteria for evaluating the performance of ceo and evp. The board of directors uses 6 criteria measures: 1) safety and soundness of cu, 2) thorough evaluation of fulfillment of strategic plan, 3) current credit union financial reports, 4) adherence to approved budget, 5) board/executive team relationship and 6) current c.a.m.e.l. Salary bases for the ceo and evp are based on the following sources: the cu uses an independent national peer comparison study by the credit union national association. The complete salary survey is called "credit union staff salary survey". A second survey is also used from the same source. However, this survey is customized to the geographic area of the u.s. Where the cu is located. Criteria used to complete the survey is as follows: specific job titles and position descriptions, credit union asset size, number of employees, full-time/part-time employees, number of services, number of members and number of branches. Comparison data includes average wage for position, 25 percentile wages, median wages, and 75 percentile wages. Cu uses 75 percentile wages. The data also includes trending of bonuses and incentives per position.”

Form 990, Page 6, Part VI, Line 15B

“Salary bases for all employees except for the ceo and evp are based on the following sources: the cu uses an independent national peer comparison study by the credit union national association. The complete salary survey is called "credit union staff salary survey". A second survey is also used from the same source. However, this survey is customized to the geographic area of the u.s. Where the cu is located. Criteria used to complete the survey is as follows: specific job titles and position descriptions, credit union asset size, number of employees, full-time/part-time employees, number of services, number of members and number of branches. Comparison data includes average wage for position, 25 percentile wages, median wages, and 75 percentile wages. Cu uses 75 percentile wages. The data also includes trending of bonuses and incentives per position. The above information is used to evaluate each position within the credit union. The avp of hr/td makes recommendations for any change in salary identified through the review. Ceo and evp give final approval for any changes needed.”

Form 990, Page 6, Part VI, Line 19

“The credit union's financial statements are posted in the lobbies of all branches on a monthly basis. Quarterly financial statements (call reports) are available on www.ncua.gov.”

Filing and Contact Details

Filer

EIN
23-1445884
Phone
8006424482

Signing Officer

Name
Robert Hoke
Title
Vice-president of Finance
Phone
8006424482
Signed
2014-08-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lonny J Maurer
Formed
1939
Legal Domicile
Pa
Voting Board Members
9
Independent Board Members
9
Employees
177
Volunteers
14

Preparer

Preparer
Frederick a Tabor
Phone
7177909333
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Provide loans and financial services to 49,429 members.”

Form 990, Part XI, Line 9

“Net change on pension liability 1,962,303”

Financial Statement Notes

Schedule D, Page 3, Part X

“The credit union is a state-chartered credit union as described 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 that are in furtherance of its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. The specific application of section 512 to the various activities conducted by state- chartered credit unions has been an issue for many years. In 2007, the internal revenue service ("irs") issued a series of technical advice memoranda ("tam") to a number of state-chartered credit unions located throughout the country. In these tams, the irs ruled certain products and services to be subject to taxation as unrelated business income. In light of the tams, the credit union has assessed its activities and any potential federal income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purpose is not expected to have a material effect on the credit union's financial condition or results of operation.”

Schedule D, Page 4, Part XI, Line 2D

“Net change on pension liability 1,962,303”

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IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
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IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE-PRES OF
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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE FINANCIAL SERVICES TO 49,429 MEMBERS.
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DESCRIBED 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 THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE- CHARTERED CREDIT UNIONS HAS BEEN AN ISSUE FOR MANY YEARS. IN 2007, THE INTERNAL REVENUE SERVICE ("IRS") ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL CONDITION OR RESULTS OF OPERATION.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1NET CHANGE ON PENSION LIABILITY 1,962,303
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XI, LINE 2D
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0LONNY MAURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1CHARLES DELMARCELLE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2AMEY SGRIGNOLI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EXECUTIVE VICE-PRES
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2EXECUTIVE VP
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IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0LONNY MAURER 0 212,394 0 CHARLES DELMARCELLE 0 148,695 0
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PAGE 1, PART I, LINE 4
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0LONNY J MAURER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0OFFICER
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDE LOANS AND FINANCIAL SERVICES TO 49,429 MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS OWNED BY ITS 49,429 MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS. EACH MEMBER HAS A SINGLE VOTE IN THE ELECTION OF MEMBERS TO THE CREDIT UNION'S BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION'S MEMBERS MUST APPROVE: -THE MERGER OF THE CREDIT UNION. -THE DISSOLUTION OR CONVERSION OF THE CREDIT UNION. -CHANGES TO THE CREDIT UNION'S CHARTER, ARTICLES AND BYLAWS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION'S BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE IS PROVIDED WITH A COPY OF THE FORM 990 PRIOR TO THE FILING OF THE RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MEMBERS OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE, AND KEY BELCO EMPLOYEES MUST DISCLOSE ALL POTENTIAL CONFLICTS OF INTEREST, INCLUDING THOSE WHERE THE PERSON HAS INADVERTENTLY BEEN PLACED IN A SITUATION DUE TO EITHER A BUSINESS OR PERSONAL RELATIONSHIP. EACH MEMBER OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE, AND ALL KEY EMPLOYEE COVERED UNDER THIS POLICY WILL ANNUALLY SIGN THE "CONFLICT OF INTEREST STATEMENT", WHICH AFFIRMS THAT EACH PERSON: 1.HAS RECEIVED A COPY OF THE BELCO CONFLICT OF INTEREST POLICY, 2.HAS READ AND UNDERSTANDS THE BELCO CONFLICT OF INTEREST POLICY, 3.HAS AGREED TO COMPLY WITH THE BELCO CONFLICT OF INTEREST POLICY, 4.WAS NOT A PARTICIPANT, DIRECTLY OR INDIRECTLY, IN ANY ARRANGEMENT, AGREEMENT, INVESTMENT, OR OTHER ACTIVITY WITH ANY VENDOR, SUPPLIER, OR OTHER PARTY DOING BUSINESS WITH BELCO THAT HAS RESULTED OR COULD RESULT IN PERSONAL BENEFIT TO THEM, WHICH WAS NOT DISCLOSED TO AND APPROVED BY THE BOARD OF DIRECTORS, AND 5.WAS NOT A RECIPIENT, DIRECTLY OR INDIRECTLY, OF ANY SALARY PAYMENTS, LOANS, GIFTS OF ANY KIND, ANY FREE SERVICE OR DISCOUNTS, OR OTHER FEES FROM OR ON BEHALF OF ANY PERSON OR ENTITY ENGAGED IN ANY TRANSACTION WITH BELCO, WHICH WAS NOT DISCLOSED TO AND APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS IS RESPONSIBLE FOR SETTING CRITERIA FOR EVALUATING THE PERFORMANCE OF CEO AND EVP. THE BOARD OF DIRECTORS USES 6 CRITERIA MEASURES: 1) SAFETY AND SOUNDNESS OF CU, 2) THOROUGH EVALUATION OF FULFILLMENT OF STRATEGIC PLAN, 3) CURRENT CREDIT UNION FINANCIAL REPORTS, 4) ADHERENCE TO APPROVED BUDGET, 5) BOARD/EXECUTIVE TEAM RELATIONSHIP AND 6) CURRENT C.A.M.E.L. SALARY BASES FOR THE CEO AND EVP ARE BASED ON THE FOLLOWING SOURCES: THE CU USES AN INDEPENDENT NATIONAL PEER COMPARISON STUDY BY THE CREDIT UNION NATIONAL ASSOCIATION. THE COMPLETE SALARY SURVEY IS CALLED "CREDIT UNION STAFF SALARY SURVEY". A SECOND SURVEY IS ALSO USED FROM THE SAME SOURCE. HOWEVER, THIS SURVEY IS CUSTOMIZED TO THE GEOGRAPHIC AREA OF THE U.S. WHERE THE CU IS LOCATED. CRITERIA USED TO COMPLETE THE SURVEY IS AS FOLLOWS: SPECIFIC JOB TITLES AND POSITION DESCRIPTIONS, CREDIT UNION ASSET SIZE, NUMBER OF EMPLOYEES, FULL-TIME/PART-TIME EMPLOYEES, NUMBER OF SERVICES, NUMBER OF MEMBERS AND NUMBER OF BRANCHES. COMPARISON DATA INCLUDES AVERAGE WAGE FOR POSITION, 25 PERCENTILE WAGES, MEDIAN WAGES, AND 75 PERCENTILE WAGES. CU USES 75 PERCENTILE WAGES. THE DATA ALSO INCLUDES TRENDING OF BONUSES AND INCENTIVES PER POSITION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7SALARY BASES FOR ALL EMPLOYEES EXCEPT FOR THE CEO AND EVP ARE BASED ON THE FOLLOWING SOURCES: THE CU USES AN INDEPENDENT NATIONAL PEER COMPARISON STUDY BY THE CREDIT UNION NATIONAL ASSOCIATION. THE COMPLETE SALARY SURVEY IS CALLED "CREDIT UNION STAFF SALARY SURVEY". A SECOND SURVEY IS ALSO USED FROM THE SAME SOURCE. HOWEVER, THIS SURVEY IS CUSTOMIZED TO THE GEOGRAPHIC AREA OF THE U.S. WHERE THE CU IS LOCATED. CRITERIA USED TO COMPLETE THE SURVEY IS AS FOLLOWS: SPECIFIC JOB TITLES AND POSITION DESCRIPTIONS, CREDIT UNION ASSET SIZE, NUMBER OF EMPLOYEES, FULL-TIME/PART-TIME EMPLOYEES, NUMBER OF SERVICES, NUMBER OF MEMBERS AND NUMBER OF BRANCHES. COMPARISON DATA INCLUDES AVERAGE WAGE FOR POSITION, 25 PERCENTILE WAGES, MEDIAN WAGES, AND 75 PERCENTILE WAGES. CU USES 75 PERCENTILE WAGES. THE DATA ALSO INCLUDES TRENDING OF BONUSES AND INCENTIVES PER POSITION. THE ABOVE INFORMATION IS USED TO EVALUATE EACH POSITION WITHIN THE CREDIT UNION. THE AVP OF HR/TD MAKES RECOMMENDATIONS FOR ANY CHANGE IN SALARY IDENTIFIED THROUGH THE REVIEW. CEO AND EVP GIVE FINAL APPROVAL FOR ANY CHANGES NEEDED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE CREDIT UNION'S FINANCIAL STATEMENTS ARE POSTED IN THE LOBBIES OF ALL BRANCHES ON A MONTHLY BASIS. QUARTERLY FINANCIAL STATEMENTS (CALL REPORTS) ARE AVAILABLE ON WWW.NCUA.GOV.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9NET CHANGE ON PENSION LIABILITY 1,962,303
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$389,627,433
Liabilities
$355,719,470
Net assets
$33,907,963
Revenue
$22,998,708
Expenses
$21,144,932
Net income
$1,853,776
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$935$883$52.1$63.2$60.4$2.85
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$917$868$49.6$55.9$52.7$3.17
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$935$891$43.8$48.0$40.9$7.16
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$812$740$72.0$40.9$32.4$8.45
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$741$674$67.4$36.9$32.2$4.69
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$630$569$60.8$38.3$31.8$6.44
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$614$557$57.0$35.4$30.8$4.54
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$596$542$53.5$30.2$28.0$2.26
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$454$414$39.9$26.3$23.0$3.30
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$439$402$36.9$24.9$23.2$1.66
2014Detailed filing. Detailed filing data is available for this year.$419$384$35.2$23.9$21.4$2.50
2013Detailed filing. Detailed filing data is available for this year.$390$356$33.9$23.0$21.1$1.85
2012Summary only. Only limited summary data is available for this year.$387$356$31.6$23.3$20.9$2.45
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$373$343$29.1$22.6
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$335$306$29.4$21.8
Peer Organizations

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