Civic Intelligence

Deer Valley Credit Union

EIN 23-7124924 • 501(c)14 • Phoenix, AZ

View Organization Page

Profile

Credit union operated without profit for mutual purposes

16215 N 28th AvenuePhoenix, AZ 85053

www.dvcu.org

Siviq Scores

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

Liabilities / Assets

75th percentile

0.91x

Higher debt load relative to assets than 75% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

88th percentile

22.22x

Higher debt load relative to revenue than 88% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

54th percentile

12%

Higher net margin than 54% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

57th percentile

2.8%

Faster asset growth than 57% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

28th percentile

9.1%

Faster revenue growth than 28% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets75th percentile

Assets

Up

$210,473,126

Up $5,746,858 (+2.8%) from 2014

Liabilities

Up

$191,991,768

Up $4,898,623 (+2.6%) from 2014

Net Assets

Up

$18,481,358

Up $848,235 (+4.8%) from 2014

Operations
Liabilities / Revenue88th percentileNet Margin54th percentile

Revenue

Up

$8,639,615

Up $721,706 (+9.1%) from 2014

Expenses

Up

$7,590,691

Up $573,913 (+8.2%) from 2014

Net Income

Up

$1,048,924

Up $147,793 (+16%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth57th percentile

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

$300M$200M$100M$0Assets 2010: $211,692,730Liabilities 2010: $2,187,473Net Assets 2010: $209,505,2572010Assets 2011: $205,590,528Liabilities 2011: $191,444,491Net Assets 2011: $14,146,0372011Assets 2012: $204,213,789Liabilities 2012: $188,585,409Net Assets 2012: $15,628,3802012Assets 2013: $204,003,585Liabilities 2013: $187,867,189Net Assets 2013: $16,136,3962013Assets 2014: $204,726,268Liabilities 2014: $187,093,145Net Assets 2014: $17,633,1232014Assets 2015: $210,473,126Liabilities 2015: $191,991,768Net Assets 2015: $18,481,3582015

Highlighted filing

2015

Assets$210,473,126
Liabilities$191,991,768
Net Assets$18,481,358
Open 2015 Filing

Operations Trend

Revenue Growth28th percentile

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

$15M$10M$5.0M$0Expenses 2010: $12,824,6562010Expenses 2011: $8,836,0172011Expenses 2012: $6,345,3002012Revenue 2013: $7,667,882Expenses 2013: $6,238,934Net Income 2013: $1,428,9482013Revenue 2014: $7,917,909Expenses 2014: $7,016,778Net Income 2014: $901,1312014Revenue 2015: $8,639,615Expenses 2015: $7,590,691Net Income 2015: $1,048,9242015

Highlighted filing

2015

Revenue$8,639,615
Expenses$7,590,691
Net Income$1,048,924
Open 2015 Filing

Filings

Most recent year

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

Open filing
Assets
$210,473,126
Liabilities
$191,991,768
Net assets
$18,481,358
Revenue
$8,639,615
Expenses
$7,590,691
Net income
$1,048,924
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$210$192$18.5$8.64$7.59$1.05
2014Detailed filing. Detailed filing data is available for this year.$205$187$17.6$7.92$7.02$0.90
2013Detailed filing. Detailed filing data is available for this year.$204$188$16.1$7.67$6.24$1.43
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$204$189$15.6$6.35
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$206$191$14.1$8.84
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$212$2.19$210$12.8
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 14, 2016
Return Version
2015v2.1
Gross Receipts
$9,161,962
Mission and Program Overview

Mission

Credit union operated without profit for mutual purposes

Credit union operated without profit for mutual purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$107,158,503$125,661,666▲ $18,503,163
Investments Program Related$56,306,430$53,992,545▼ $2,313,885
Rtn Earn Endowment Incm Other Fnds$17,633,123$18,481,358▲ $848,235
Cash and Non-Interest-Bearing Accounts$15,640,592$12,459,670▼ $3,180,922
Land, Buildings, and Equipment, Net$11,666,158$11,252,171▼ $413,987
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$204,726,268$210,473,126▲ $5,746,858
Other Assets Total$13,954,585$7,107,074▼ $6,847,511
Liabilities
Other Liabilities$185,328,688$190,001,883▲ $4,673,195
Accounts Payable and Accrued Expenses$1,764,457$1,989,885▲ $225,428
Total Liabilities$187,093,145$191,991,768▲ $4,898,623
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,633,123$18,481,358▲ $848,235
Total Liabilities and Net Assets / Fund Balance$204,726,268$210,473,126▲ $5,746,858

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,787,249$3,104,101$8,891,350
Land$5,255,764-$5,255,764
Equipment$209,158$1,097,802$1,306,960
Investment Program Related Org$16,674,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert ScottCEOFT$221,307$49,583$270,890
Janet BurgettEvp/COOFT$134,813$8,891$143,704
Gregory AlbanoSVP/CIOFT$108,151$5,300$113,451
Fran BurazinCFOFT$83,396$4,062$87,458
Mark TrumppVP MarketingFT$80,090$3,835$83,925

Board Members and Trustees

NameTitle
Roger ZollingerChairman
Chris UrnessVice-Chair
Doug LapedesDirector
Frank MartinsonDirector
Greg MillerDirector
Harold KinchDirector
Melanie MerrillDirector
Edward FrickSecretary
Steve WolfeTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
DhCore Processing SystemPO Box 535120, Atlanta, GA 30353$370,599
FisHosted System IT SupportPO BOX 4535, Carol Stream, IL 60197$309,578
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,709,636
Investment Income
$929,979
Other Revenue
$0
Change in Net Assets
$1,048,924

Audited Revenue Reconciliation

Revenue per Audited Statements
$8,639,615
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-190,233
Total Revenue per Audited Statements
$8,449,382
Total Revenue per Form 990
$8,639,615
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,885,448
Salaries, Compensation, and Employee Benefits$3,705,243
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,487,722
Fees for Services Other---$1,352,207
Current Officers, Directors, Trustees, and Key Employees---$699,429
Depreciation Depletion---$457,467
Occupancy---$402,551
Interest---$282,573
Other Expenses---$275,000
Office Expenses---$226,047
Payroll Taxes---$225,738
Other Employee Benefits---$194,354
Advertising---$116,644
Pension Plan Contributions---$98,000
Travel---$63,558
Fees for Services Accounting---$59,322
Insurance---$50,421
Fees for Services Legal---$43,538
Total Functional Expenses$0$0$0$7,590,691

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$7,601,147
Expenses per Audited Statements$7,590,691
Total Expenses per Form 990$7,590,691
Expenses Not Reported on Form 990$10,456
Expenses Not Reported on Financial Statements$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

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

Other Reported Liabilities

LiabilityAmount
Shares$71,987,587
Share Draft Accounts$47,126,248
Money Market Accounts$39,928,526
Share and IRA Certificates$30,949,623
Accrued Interest Payable$9,899
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

“Members elect the board of directors - one member equals one vote. Governing body (board of directors) makes significant decisions.”

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

“Members elect the board of directors. Each member has one vote.”

Form 990, Part VI, Section B, line 11

“The return is reviewed by the CEO before filing.”

Form 990, Part VI, Section B, line 15

“The chairman of the board of directors researches appropriate ceo compensation by examining industry statistics and other comparable credit union data for credit unions of comparable membership size and in comparable metropolitan areas. The chairman then presents his findings and recommendation to the board of directors which then votes to determine the ceo's compensation. Minutes are kept for this annual compensation meeting. This process is repeated each year in october. The ceo determines senior team compensation. The ceo utilizes software from a third-party compensation consultant to statistically determine appropriate compensation for senior team members at all levels. The ceo also examines agreed upon annual performance plans, goals and performance results. All data is saved in the software. This process is repeated each year in january.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted in the branch lobby.”

Filing and Contact Details

Filer

Filer Name
Deer Valley Credit Union
EIN
23-7124924
Phone
6023757300
Address
16215 N 28th Avenue, Phoenix, AZ 85053

Signing Officer

Name
Robert V Scott
Title
CEO
Phone
6023757300
Signed
2016-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert V Scott
Formed
1971
Legal Domicile
Az
Voting Board Members
9
Independent Board Members
9
Employees
69
Volunteers
12

Preparer

Firm
Moss Adams LLP
Address
8800 E Raintree Drive Ste 210, Scottsdale, AZ 85260
Preparer
Patricia J Mayer
Phone
4804443424
Supplemental Narrative

Additional Explanations

Form 990, Part IX, line 11G

“IT Related 613,363. Visa Card Costs 460,162. Share Draft Expenses 120,675. Shared Branching Costs 66,290. Credit/Debit Cards 18,940. Consulting Services 43,732. Record Retention Expenses 6,221. ATM Related Expenses 9,898. IRA Administration 9,091. ACH Fees 3,835.”

Financial Statement Notes

Part XI, Line 2D - Other Adjustments:

“Reclass loss on sale”

Part XII, Line 2D - Other Adjustments:

“Reclass loss on sale”

Raw XML AppendixShowing 400 of 476 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/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt017633123
IRS990/NetAssetsOrFundBalancesEOYAmt018481358
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-10456
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-10456
IRS990/NetUnrelatedBusTxblIncmAmt0-58342
IRS990/NetUnrlzdGainsLossesInvstAmt0-200690
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0402551
IRS990/OfficeExpensesGrp/TotalAmt0226047
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt013954585
IRS990/OtherAssetsTotalGrp/EOYAmt07107074
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0194354
IRS990/OtherExpensesGrp/Desc0Operations
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/TotalAmt0556120
IRS990/OtherExpensesGrp/TotalAmt1275000
IRS990/OtherLiabilitiesGrp/BOYAmt0185328688
IRS990/OtherLiabilitiesGrp/EOYAmt0190001883
IRS990/OtherSalariesAndWagesGrp/TotalAmt02487722
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0107158503
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0125661666
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0225738
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt098000
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0ROBERT V SCOTT
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05172262
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12520580
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05172262
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12537374
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt016794
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0981651
IRS990/PYOtherExpensesAmt03853289
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt06936258
IRS990/PYRevenuesLessExpensesAmt0901131
IRS990/PYSalariesCompEmpBnftPaidAmt03163489
IRS990/PYTotalExpensesAmt07016778
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07917909
IRS990/ReconcilationRevenueExpnssAmt01048924
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt017633123
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt018481358
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt05787249
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03104101
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08891350
IRS990ScheduleD/EquipmentGrp/BookValueAmt0209158
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01097802
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01306960
IRS990ScheduleD/ExpensesNotReportedAmt010456
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt07590691
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt030237315
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1777600
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt26303630
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt316674000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Available for Sale
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1Federal home Loan Bank Stock
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2Other Investments
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3Held to Maturity
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/LandGrp/BookValueAmt05255764
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt05255764
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0-200690
IRS990ScheduleD/OtherExpensesIncludedAmt010456
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09899
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt139928526
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt230949623
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt347126248
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt471987587
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Accrued Interest Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Money Market Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Share and IRA Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Share Draft Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4SHARES
IRS990ScheduleD/OtherRevenueAmt010457
IRS990ScheduleD/RevenueNotReportedAmt0-190233
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt08639615
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Reclass loss on sale
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1Reclass loss on sale
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part XI, Line 2d - Other Adjustments:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Part XII, Line 2d - Other Adjustments:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt011252171
IRS990ScheduleD/TotalBookValueProgramRltdAmt053992545
IRS990ScheduleD/TotalExpensesPerForm990Amt07590691
IRS990ScheduleD/TotalLiabilityAmt0190001883
IRS990ScheduleD/TotalRevenuePerForm990Amt08639615
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt08449382
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt07601147
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0221307
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1134813
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount035000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount12150
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt011065
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt16741
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt03518
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Robert Scott
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Janet Burgett
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EVP/COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0270890
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1143704
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0In general, all expenses related to travel and conferences (including travel days before and after event) are reimbursable to the employee or volunteer. The expense must be usual and customary including airfare, ground travel expenses while at the meeting such as taxi/shuttle/car rental, parking, telephone, tips, food and entertainment (that is part of the organized event). Spousal expenses are reimbursable for volunteer and senior management travel and are not treated as taxable income.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1Robert Scott - $0 Janet Burgett - $0
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 1a
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1Part I, Line 4b
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members elect the board of directors - one member equals one vote. Governing body (board of directors) makes significant decisions.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT THE BOARD OF DIRECTORS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The return is reviewed by the CEO before filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CHAIRMAN OF THE BOARD OF DIRECTORS RESEARCHES APPROPRIATE CEO COMPENSATION BY EXAMINING INDUSTRY STATISTICS AND OTHER COMPARABLE CREDIT UNION DATA FOR CREDIT UNIONS OF COMPARABLE MEMBERSHIP SIZE AND IN COMPARABLE METROPOLITAN AREAS. THE CHAIRMAN THEN PRESENTS HIS FINDINGS AND RECOMMENDATION TO THE BOARD OF DIRECTORS WHICH THEN VOTES TO DETERMINE THE CEO'S COMPENSATION. MINUTES ARE KEPT FOR THIS ANNUAL COMPENSATION MEETING. THIS PROCESS IS REPEATED EACH YEAR IN OCTOBER. THE CEO DETERMINES SENIOR TEAM COMPENSATION. THE CEO UTILIZES SOFTWARE FROM A THIRD-PARTY COMPENSATION CONSULTANT TO STATISTICALLY DETERMINE APPROPRIATE COMPENSATION FOR SENIOR TEAM MEMBERS AT ALL LEVELS. THE CEO ALSO EXAMINES AGREED UPON ANNUAL PERFORMANCE PLANS, GOALS AND PERFORMANCE RESULTS. ALL DATA IS SAVED IN THE SOFTWARE. THIS PROCESS IS REPEATED EACH YEAR IN JANUARY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Financial statements are posted in the branch lobby.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5IT Related 613,363. Visa Card Costs 460,162. Share Draft Expenses 120,675. Shared Branching Costs 66,290. Credit/Debit Cards 18,940. Consulting Services 43,732. Record Retention Expenses 6,221. ATM Related Expenses 9,898. IRA Administration 9,091. ACH Fees 3,835.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, line 11

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