Civic Intelligence

Spirit Financial Credit Union

990 • Fiscal year 2015 • EIN 23-1469875

Jan 01, 2015 to Dec 31, 2015 • Filed on Feb 22, 2017

Organization Profilewww.fairlesscu.org

View Organization Page

1900 S Pennsylvania AveMorrisville, PA 19067

(215) 295-4108

Siviq Scores

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

Liabilities / Assets

1st percentile

-0.00x

Higher debt load relative to assets than 1% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

1st percentile

-0.07x

Higher debt load relative to revenue than 1% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

62nd percentile

11%

Higher net margin than 62% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

48th percentile

$94,820

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 5.7% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

21st percentile

-0.2%

Faster asset growth than 21% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

24th percentile

-2.8%

Faster revenue growth than 24% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets1st percentile

Assets

Down

$46,006,959

Down $113,181 (-0.2%) from 2014

Net Assets

Up

$46,129,234

Up $72,884 (+0.2%) from 2014

Liabilities

Down

-$122,275

Down $186,065 (-292%) from 2014

Revenue And Expenses
Liabilities / Revenue1st percentileNet Margin62nd percentile

Revenue

Down

$1,649,261

Down $46,945 (-2.8%) from 2014

Expenses

Down

$1,469,557

Down $87,546 (-5.6%) from 2014

Net Income

Up

$179,704

Up $40,601 (+29%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth21st percentile

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

$80M$60M$40M$20M$0-$20MAssets 2010: $41,556,691Liabilities 2010: $116,715Net Assets 2010: $41,439,9762010Assets 2011: $43,157,051Liabilities 2011: $91,887Net Assets 2011: $43,065,1642011Assets 2012: $44,845,413Liabilities 2012: $31,758Net Assets 2012: $44,813,6552012Assets 2013: $46,236,287Liabilities 2013: $39,135Net Assets 2013: $46,197,1522013Assets 2014: $46,120,140Liabilities 2014: $63,790Net Assets 2014: $46,056,3502014Assets 2015: $46,006,959Liabilities 2015: -$122,275Net Assets 2015: $46,129,2342015Assets 2016: $47,628,456Liabilities 2016: $376,109Net Assets 2016: $47,252,3472016Assets 2017: $48,695,169Liabilities 2017: $545,793Net Assets 2017: $48,149,3762017Assets 2018: $50,302,559Liabilities 2018: $315,520Net Assets 2018: $49,987,0392018Assets 2019: $50,906,739Liabilities 2019: $326,671Net Assets 2019: $50,580,0682019Assets 2020: $62,431,721Liabilities 2020: $633,896Net Assets 2020: $61,797,8252020Assets 2021: $67,208,957Liabilities 2021: $364,340Net Assets 2021: $66,844,6172021Assets 2022: $70,694,603Liabilities 2022: $375,628Net Assets 2022: $70,318,9752022Assets 2023: $72,926,478Liabilities 2023: $517,800Net Assets 2023: $72,408,6782023Assets 2024: $70,261,618Liabilities 2024: $332,863Net Assets 2024: $69,928,7552024Assets 2025: $67,711,085Liabilities 2025: $261,128Net Assets 2025: $67,449,9572025

Highlighted filing

2015

Assets$46,006,959
Liabilities-$122,275
Net Assets$46,129,234
Open 2015 Filing

Operations Trend

Revenue Growth24th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,900,9972010Expenses 2011: $1,680,2082011Expenses 2012: $1,571,8242012Revenue 2013: $1,667,415Expenses 2013: $1,488,549Net Income 2013: $178,8662013Revenue 2014: $1,696,206Expenses 2014: $1,557,103Net Income 2014: $139,1032014Revenue 2015: $1,649,261Expenses 2015: $1,469,557Net Income 2015: $179,7042015Revenue 2016: $1,782,486Expenses 2016: $1,531,688Net Income 2016: $250,7982016Revenue 2017: $1,805,597Expenses 2017: $1,601,157Net Income 2017: $204,4402017Revenue 2018: $452,993Expenses 2018: $1,583,810Net Income 2018: -$1,130,8172018Revenue 2019: $2,132,888Expenses 2019: $1,843,225Net Income 2019: $289,6632019Revenue 2020: $2,314,552Expenses 2020: $1,985,036Net Income 2020: $329,5162020Revenue 2021: $2,444,134Expenses 2021: $2,094,597Net Income 2021: $349,5372021Revenue 2022: $2,517,527Expenses 2022: $2,065,354Net Income 2022: $452,1732022Revenue 2023: $3,335,638Expenses 2023: $2,779,988Net Income 2023: $555,6502023Revenue 2024: $3,764,964Expenses 2024: $4,001,412Net Income 2024: -$236,4482024Revenue 2025: $3,751,020Expenses 2025: $3,316,246Net Income 2025: $434,7742025

Highlighted filing

2015

Revenue$1,649,261
Expenses$1,469,557
Net Income$179,704
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Feb 22, 2017
Return Version
2015v3.0
Gross Receipts
$1,649,261
Mission and Program Overview

Mission

Providing low cost financial services to members.

Providing low cost financial services to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$39,559,581$39,452,760▼ $106,821
Other Notes and Loans Receivable, Net$22,057,214$20,723,709▼ $1,333,505
Investments Program Related$19,508,047$20,498,071▲ $990,024
Rtn Earn Endowment Incm Other Fnds$6,496,769$6,676,474▲ $179,705
Savings and Temporary Cash Investments$3,538,068$2,933,291▼ $604,777
Land, Buildings, and Equipment, Net$253,075$1,527,345▲ $1,274,270
Cash and Non-Interest-Bearing Accounts$491,251$187,641▼ $303,610
Prepaid Expenses and Deferred Charges$272,485$136,902▼ $135,583
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$46,120,140$46,006,959▼ $113,181
Other Assets Total$0--
Liabilities
Accounts Payable and Accrued Expenses$63,790$-122,275▼ $186,065
Total Liabilities$63,790$-122,275▼ $186,065
Net Assets / Fund Balance
Total Net Assets Fund Balance$46,056,350$46,129,234▲ $72,884
Total Liabilities and Net Assets / Fund Balance$46,120,140$46,006,959▼ $113,181

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$5,830,000--
Buildings$158,766$118,266$0
Other Land Buildings$0$0$0
Land$1,243,556-$0
Equipment$121,385$180,013$0
Leasehold Improvements$3,638$862$0
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jessica BlairCEOFT$78,461$16,359$94,820
Adam LasterDirector-$1,600-$1,600
John TurnerDirector-$1,600-$1,600
Judith CochranDirector-$1,600-$1,600
Shirley TurnerChairman of the Board-$1,600-$1,600
Thomas ParsonsVice-Chairman-$1,600-$1,600
William StatesSecretary-$1,600-$1,600
Jon ZemanekDirector-$925-$925
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,421,698
Investment Income
$227,563
Other Revenue
$0
Change in Net Assets
$179,704
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$910,999
Salaries, Compensation, and Employee Benefits$558,558
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$312,565--$312,565
Interest$164,751--$164,751
Other Expenses$115,103$0$0$115,103
Office Expenses$108,941--$108,941
Occupancy$101,460--$101,460
Current Officers, Directors, Trustees, and Key Employees$88,986--$88,986
Other Employee Benefits$77,606--$77,606
Pension Plan Contributions$39,735--$39,735
Payroll Taxes$39,666--$39,666
Fees for Services Accounting$31,387--$31,387
Depreciation Depletion$30,186--$30,186
Advertising$26,200--$26,200
Insurance$22,802--$22,802
Travel$10,519--$10,519
Fees for Services Legal$5,365--$5,365
Total Functional Expenses$1,469,557$0$0$1,469,557
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
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 2

“Shirley Turner and John Turner are husband and wife.”

Form 990, Part VI, Section A, Line 6

“The credit union has members”

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

“Yes, the credit union's members have the power to elect or appoint the governing body.”

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

“The board cannot change names, charter, or ownership interest without a membership vote.”

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

“All financial information is reviewed by the Board before submission.”

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

“The credit union engages in an outside audit to perform an annual review of safety and soundness concerns and the adherence to current policies. Additionally, board members and key officers are required to complete a Department of Banking questionnaire annually.”

Form 990, Part VI, Section B, Line 15

“The CEO's salary is approved by the Board of Directors after reviewing comparable salary guidelines provided by our trade association. Specific attention is placed upon experienced training and education.”

Form 990, Part VI, Section C, Line 19

“The financial statements are posted in the branch lobby and during our annual meeting. It is also available upon request.”

Filing and Contact Details

Filer

Filer Name
Fairless Credit Union
EIN
23-1469875
Phone
2152954108
Address
1900 S Pennsylvania Ave, Morrisville, PA 19067

Signing Officer

Name
Jessica Blair
Title
CEO
Phone
2152954108
Signed
2017-02-22

Organization Details

Principal Officer
Jessica Blair
Formed
1955
Legal Domicile
Pa
Voting Board Members
7
Independent Board Members
7
Employees
14
Volunteers
7
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“This is the difference in shares from prior year.”

Raw XML AppendixShowing 400 of 492 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/OtherSalariesAndWagesGrp/TotalAmt0312565
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt022057214
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt020723709
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt039666
IRS990/PayrollTaxesGrp/TotalAmt039666
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt039735
IRS990/PensionPlanContributionsGrp/TotalAmt039735
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0272485
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0136902
IRS990/PrincipalOfficerNm0Jessica Blair
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01052536
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1356438
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01052536
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1356438
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0264299
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0894245
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01431907
IRS990/PYRevenuesLessExpensesAmt0139103
IRS990/PYSalariesCompEmpBnftPaidAmt0662858
IRS990/PYTotalExpensesAmt01557103
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01696206
IRS990/ReconcilationRevenueExpnssAmt0179704
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt01649261
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06496769
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06676474
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03538068
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02933291
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0158766
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0118266
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0277032
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0121385
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0180013
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0301398
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0389055
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt111870000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt22409016
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt35830000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Deposit NCUSIF
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CD's in Commercial Banks
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2CD's in Credit Unions
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3Held-to-Maturity Investments
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/LandGrp/BookValueAmt01243556
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt01243556
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt03638
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0862
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt04500
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01527345
IRS990ScheduleD/TotalBookValueProgramRltdAmt020498071
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0143015
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt157214
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt244992
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt321635
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt411664
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Consumer Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Consumer Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Consumer Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Consumer Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Consumer Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0140133
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt178000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt253700
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt328000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt414381
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Shirley Turner
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1William States
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2William States
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Thomas Parsons
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Judith Cochran
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Board Chairman
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Secretary
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Secretary
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Vice-Chairman
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Officer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd41
IRS990ScheduleL/TotalBalanceDueAmt0278520
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Shirley Turner and John Turner are husband and wife.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The credit union has members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Yes, the credit union's members have the power to elect or appoint the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The board cannot change names, charter, or ownership interest without a membership vote.

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$46,006,959
Liabilities
-$122,275
Net assets
$46,129,234
Revenue
$1,649,261
Expenses
$1,469,557
Net income
$179,704
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$67.7$0.26$67.4$3.75$3.32$0.43
2024Detailed filing. Detailed filing data is available for this year.$70.3$0.33$69.9$3.76$4.00$0.24
2023Detailed filing. Detailed filing data is available for this year.$72.9$0.52$72.4$3.34$2.78$0.56
2022Detailed filing. Detailed filing data is available for this year.$70.7$0.38$70.3$2.52$2.07$0.45
2021Detailed filing. Detailed filing data is available for this year.$67.2$0.36$66.8$2.44$2.09$0.35
2020Detailed filing. Detailed filing data is available for this year.$62.4$0.63$61.8$2.31$1.99$0.33
2019Detailed filing. Detailed filing data is available for this year.$50.9$0.33$50.6$2.13$1.84$0.29
2018Summary only. Only limited summary data is available for this year.$50.3$0.32$50.0$0.45$1.58$1.13
2017Summary only. Only limited summary data is available for this year.$48.7$0.55$48.1$1.81$1.60$0.20
2016Summary only. Only limited summary data is available for this year.$47.6$0.38$47.3$1.78$1.53$0.25
2015Detailed filing. Detailed filing data is available for this year.$46.0$0.12$46.1$1.65$1.47$0.18
2014Detailed filing. Detailed filing data is available for this year.$46.1$0.06$46.1$1.70$1.56$0.14
2013Detailed filing. Detailed filing data is available for this year.$46.2$0.04$46.2$1.67$1.49$0.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.8$0.03$44.8$1.57
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.2$0.09$43.1$1.68
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.6$0.12$41.4$1.90