Civic Intelligence

Pathways Financial Credit Union

990 • Fiscal year 2017 • EIN 23-7247091

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 14, 2018

Organization ProfileWWW.PATHWAYSCU.COM

View Organization Page

5665 N Hamilton RoadColumbus, OH 43230

(614) 416-7588

Siviq Scores

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

Liabilities / Assets

57th percentile

0.90x

Higher debt load relative to assets than 57% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

51st percentile

17.87x

Higher debt load relative to revenue than 51% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

46th percentile

10.0%

Higher net margin than 46% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

80th percentile

$295,405

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

73rd percentile

6.0%

Faster asset growth than 73% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Revenue Growth

64th percentile

8.4%

Faster revenue growth than 64% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets57th percentile

Assets

Up

$247,415,572

Up $12,251,129 (+5.2%) from 2015

Net Assets

Up

$24,837,165

Up $2,729,040 (+12%) from 2015

Liabilities

Up

$222,578,407

Up $9,522,089 (+4.5%) from 2015

Revenue And Expenses
Liabilities / Revenue51st percentileNet Margin46th percentile

Revenue

Up

$12,452,588

Up $1,276,451 (+11%) from 2015

Expenses

Up

$11,210,460

Up $1,106,086 (+11%) from 2015

Net Income

Up

$1,242,128

Up $170,365 (+16%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth73rd percentile

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

$800M$600M$400M$200M$0Assets 2011: $59,365,610Liabilities 2011: $54,211,527Net Assets 2011: $5,154,0832011Assets 2013: $214,330,933Liabilities 2013: $194,589,172Net Assets 2013: $19,741,7612013Assets 2014: $217,239,480Liabilities 2014: $196,081,327Net Assets 2014: $21,158,1532014Assets 2015: $235,164,443Liabilities 2015: $213,056,318Net Assets 2015: $22,108,1252015Assets 2017: $247,415,572Liabilities 2017: $222,578,407Net Assets 2017: $24,837,1652017Assets 2018: $289,016,176Liabilities 2018: $260,042,843Net Assets 2018: $28,973,3332018Assets 2019: $412,851,911Liabilities 2019: $370,971,069Net Assets 2019: $41,880,8422019Assets 2020: $510,902,517Liabilities 2020: $460,155,429Net Assets 2020: $50,747,0882020Assets 2021: $585,094,948Liabilities 2021: $528,734,694Net Assets 2021: $56,360,2542021Assets 2022: $594,689,116Liabilities 2022: $541,889,723Net Assets 2022: $52,799,3932022Assets 2024: $648,327,104Liabilities 2024: $586,671,180Net Assets 2024: $61,655,9242024

Highlighted filing

2017

Assets$247,415,572
Liabilities$222,578,407
Net Assets$24,837,165
Open 2017 Filing

Operations Trend

Revenue Growth64th percentile

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

$40M$30M$20M$10M$0Expenses 2011: $2,616,8722011Revenue 2013: $10,163,200Expenses 2013: $9,234,796Net Income 2013: $928,4042013Revenue 2014: $10,617,630Expenses 2014: $9,857,624Net Income 2014: $760,0062014Revenue 2015: $11,176,137Expenses 2015: $10,104,374Net Income 2015: $1,071,7632015Revenue 2017: $12,452,588Expenses 2017: $11,210,460Net Income 2017: $1,242,1282017Revenue 2018: $14,809,623Expenses 2018: $11,725,271Net Income 2018: $3,084,3522018Revenue 2019: $20,723,655Expenses 2019: $17,436,454Net Income 2019: $3,287,2012019Revenue 2020: $24,035,471Expenses 2020: $20,105,417Net Income 2020: $3,930,0542020Revenue 2021: $28,786,702Expenses 2021: $21,665,122Net Income 2021: $7,121,5802021Revenue 2022: $30,849,752Expenses 2022: $24,510,688Net Income 2022: $6,339,0642022Revenue 2024: $39,749,424Expenses 2024: $37,744,532Net Income 2024: $2,004,8922024

Highlighted filing

2017

Revenue$12,452,588
Expenses$11,210,460
Net Income$1,242,128
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 14, 2018
Return Version
2017v2.3
Gross Receipts
$12,452,588
Mission and Program Overview

Mission

To provide lending, savings and other financial services to its members at terms generally better than available in the local marketplace and with a "service-based" emphasis that recognizes the members' status as "owner".

To provide financial services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$166,350,094$173,292,769▲ $6,942,675
Investments Other Securities$32,783,105$31,359,203▼ $1,423,902
Rtn Earn Endowment Incm Other Fnds$23,643,998$24,837,165▲ $1,193,167
Savings and Temporary Cash Investments$4,759,925$12,044,976▲ $7,285,051
Land, Buildings, and Equipment, Net$8,059,161$8,054,991▼ $4,170
Cash and Non-Interest-Bearing Accounts$2,801,852$2,562,256▼ $239,596
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$233,494,660$247,415,572▲ $13,920,912
Other Assets Total$18,740,523$20,101,377▲ $1,360,854
Liabilities
Other Liabilities$206,152,660$219,015,328▲ $12,862,668
Accounts Payable and Accrued Expenses$2,699,548$2,793,046▲ $93,498
Unsecured Notes Loans Payable$998,454$770,033▼ $228,421
Total Liabilities$209,850,662$222,578,407▲ $12,727,745
Net Assets / Fund Balance
Total Net Assets Fund Balance$23,643,998$24,837,165▲ $1,193,167
Total Liabilities and Net Assets / Fund Balance$233,494,660$247,415,572▲ $13,920,912

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,089,324$4,076,980$5,166,304
Buildings$3,825,871$622,579$4,448,450
Land$2,073,000-$2,073,000
Leasehold Improvements$1,066,796$977,695$2,044,491
Other Assets Org$1,648,117--
Other Securities$165,500--
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mike ShaferCEOFT$216,080$79,325$295,405
Greg KidwellPresidentFT$146,780$46,843$193,623
Casey EcklesVP OperationsFT$127,232$10,146$137,378
Andy TarboxCIOFT$98,661$6,842$105,503
Chris HooverVP FinanceFT$95,927$8,536$104,463

Board Members and Trustees

NameTitle
Bill KnolesChairperson
Gail KelleyBoard Member
Jack RadichBoard Member
John DellingerBoard Member
Kirk PiersonBoard Member
Marsha CallowayBoard Member
Mike PoeBoard Member
Mike SisingerBoard Member
Spencer BartonBoard Member

Highest Paid Contractors

ContractorServicesLocationCompensation
PscuCard Services560 CARILLON PARKWAY, St Petersburg, FL 33716$788,713
CuaData Processor6000 28TH STREET SE, Grand Rapids, MI 49546$674,893
Wesney Construction#148Contractor995 SAFIN ROAD, Columbus, OH 43204$265,389
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,769,759
Investment Income
$682,829
Other Revenue
$0
Change in Net Assets
$1,242,128

Audited Revenue Reconciliation

Revenue per Audited Statements
$12,452,588
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$12,452,588
Total Revenue per Form 990
$12,452,588
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,319,517
Salaries, Compensation, and Employee Benefits$4,890,943
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,106,882
Office Expenses---$1,057,188
Current Officers, Directors, Trustees, and Key Employees---$784,061
Interest---$712,032
Fees for Services Other---$703,598
Depreciation Depletion---$559,338
Advertising---$405,033
Other Expenses---$320,637
Occupancy---$267,800
Insurance---$93,853
All Other Expenses---$28,479
Travel---$18,605
Total Functional Expenses$0$0$0$11,210,460

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$11,210,460
Total Expenses per Audited Statements$11,210,460
Total Expenses per Form 990$11,210,460
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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
MEMBERS' SHARES & DEPOSITS$219,015,328
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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

“The organization has members.”

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

“The member-owners of the credit union have the authority to elect the members of the board of directors for three years on a rotating basis. Candidates are elected by a simple plurity vote.”

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

“Changes to the governing documents and bylaws must be approved by the member-owners after they have been approved by the board of directors and the regulatory agency of the credit union (ohio division of financial institutions).”

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

“The form 990 is presented to management and the board of directors prior to filing with the irs”

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

“The conflict of interest policy is reviewed on an annual basis with the board at the may board meeting. After reviewing the policy each board member signs the policy.”

Form 990, Part VI, Section B, Line 15

“The credit union uses a salary manual provided by cuna (an organization that is specific to credit unions) for all its employees.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted at each branch office and all other governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Pathways Financial Credit Union
EIN
23-7247091
Phone
6144167588
Address
5665 N HAMILTON ROAD, COLUMBUS, OH 43230

Signing Officer

Name
Christopher B Hoover
Title
VP Finance
Phone
6144167588
Signed
2018-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christopher B Hoover
Formed
1973
Legal Domicile
Oh
Voting Board Members
12
Independent Board Members
12
Employees
88
Volunteers
12

Preparer

Firm
Gbq Partners LLC
Address
4030 SMITH ROAD, CINCINNATI, OH 45209
Preparer
Greg Heimkreiter
Phone
5138713033
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other professional fees 703,598.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt by statute from federal and state income taxes except for certain charges such as non-member atm fees which have been deemed by the internal revenue service (irs), in technical advice memorandums released in march 2007, to be unrelated to the specific entity's exempt purpose. As presented in the technical advice memorandums, the net taxable income from these charges is subject to income taxes under the unrelated business income tax (ubit) regulations. Tax returns were filed timely for the 2016 calendar year and will be filed by november 15, 2018 for the 2017 calendar year. An estimated liability has not been recognized in the financial statements because the taxes due are not expected to have a material effect on the credit union's financial condition or results of operations.”

Raw XML AppendixShowing 400 of 521 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/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt012
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt093853
IRS990/InterestGrp/TotalAmt0712032
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0682829
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0682829
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt032783105
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt031359203
IRS990/IRPDocumentCnt032250
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05677254
IRS990/LandBldgEquipBasisNetGrp/BOYAmt08059161
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08054991
IRS990/LandBldgEquipCostOrOtherBssAmt013732245
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE LENDING, SAVINGS AND OTHER FINANCIAL SERVICES TO ITS MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE LOCAL MARKETPLACE AND WITH A "SERVICE-BASED" EMPHASIS THAT RECOGNIZES THE MEMBERS' STATUS AS "OWNER".
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt023643998
IRS990/NetAssetsOrFundBalancesEOYAmt024837165
IRS990/NetUnrelatedBusTxblIncmAmt0-83857
IRS990/NetUnrlzdGainsLossesInvstAmt0-48961
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0267800
IRS990/OfficeExpensesGrp/TotalAmt01057188
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt018740523
IRS990/OtherAssetsTotalGrp/EOYAmt020101377
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0CARD PROCESSING & BANK
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN & LE
IRS990/OtherExpensesGrp/Desc3OTHER EXPENSE
IRS990/OtherExpensesGrp/TotalAmt01108575
IRS990/OtherExpensesGrp/TotalAmt1536674
IRS990/OtherExpensesGrp/TotalAmt2507705
IRS990/OtherExpensesGrp/TotalAmt3320637
IRS990/OtherLiabilitiesGrp/BOYAmt0206152660
IRS990/OtherLiabilitiesGrp/EOYAmt0219015328
IRS990/OtherSalariesAndWagesGrp/TotalAmt04106882
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0166350094
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0173292769
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0CHRISTOPHER B HOOVER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06456746
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14101210
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21176209
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06456746
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14119398
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21193615
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt018188
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt117406
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0626574
IRS990/PYOtherExpensesAmt05621908
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt010861246
IRS990/PYRevenuesLessExpensesAmt01268717
IRS990/PYSalariesCompEmpBnftPaidAmt04597195
IRS990/PYTotalExpensesAmt010219103
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt011487820
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt01242128
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt023643998
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt024837165
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04759925
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012044976
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03825871
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0622579
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04448450
IRS990ScheduleD/EquipmentGrp/BookValueAmt01089324
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04076980
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05166304
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt011210460
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt02073000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02073000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01066796
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0977695
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02044491
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0760433
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt168106
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt215029333
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3366284
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt42229104
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt51648117
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST - LOANS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ACCRUED INTEREST - INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2SURRENDER VALUE OF LIFE INSURANCE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3PREPAID EXPENSES
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4SHARE INSURANCE DEPOSITS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5OTHER ASSETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0219015328
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES & DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt06097497
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1496296
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21787521
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt39773089
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt412369000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt5200000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt6470300
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt7165500
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CORPORATE CDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1US GOV'T SECURITIES & AGENCIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CORPORATE CDS CAPITALIZATION
IRS990ScheduleD/OtherSecuritiesGrp/Desc3MORTGAGE BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc4CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc5NEGOTIABLE CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc6FHLB STOCK (RESTRICTED)
IRS990ScheduleD/OtherSecuritiesGrp/Desc7OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd6C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd7C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt012452588
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL AND STATE INCOME TAXES EXCEPT FOR CERTAIN CHARGES SUCH AS NON-MEMBER ATM FEES WHICH HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS), IN TECHNICAL ADVICE MEMORANDUMS RELEASED IN MARCH 2007, TO BE UNRELATED TO THE SPECIFIC ENTITY'S EXEMPT PURPOSE. AS PRESENTED IN THE TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE CHARGES IS SUBJECT TO INCOME TAXES UNDER THE UNRELATED BUSINESS INCOME TAX (UBIT) REGULATIONS. TAX RETURNS WERE FILED TIMELY FOR THE 2016 CALENDAR YEAR AND WILL BE FILED BY NOVEMBER 15, 2018 FOR THE 2017 CALENDAR YEAR. AN ESTIMATED LIABILITY HAS NOT BEEN RECOGNIZED IN THE FINANCIAL STATEMENTS BECAUSE THE TAXES DUE ARE NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL CONDITION OR RESULTS OF OPERATIONS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08054991
IRS990ScheduleD/TotalBookValueOtherAssetsAmt020101377
IRS990ScheduleD/TotalBookValueSecuritiesAmt031359203
IRS990ScheduleD/TotalExpensesPerForm990Amt011210460
IRS990ScheduleD/TotalLiabilityAmt0219015328
IRS990ScheduleD/TotalRevenuePerForm990Amt012452588
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt012452588
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt011210460
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0216080
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1146780
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount034100
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount113326
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/DeferredCompensationFlngOrgAmt013876
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt19161
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt03750
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt027599
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt124356
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00

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Filings

Displayed year

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

Open filing
Assets
$247,415,572
Liabilities
$222,578,407
Net assets
$24,837,165
Revenue
$12,452,588
Expenses
$11,210,460
Net income
$1,242,128
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$648$587$61.7$39.7$37.7$2.00
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$595$542$52.8$30.8$24.5$6.34
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$585$529$56.4$28.8$21.7$7.12
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$511$460$50.7$24.0$20.1$3.93
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$413$371$41.9$20.7$17.4$3.29
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$289$260$29.0$14.8$11.7$3.08
2017Detailed filing. Detailed filing data is available for this year.$247$223$24.8$12.5$11.2$1.24
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$235$213$22.1$11.2$10.1$1.07
2014Detailed filing. Detailed filing data is available for this year.$217$196$21.2$10.6$9.86$0.76
2013Detailed filing. Detailed filing data is available for this year.$214$195$19.7$10.2$9.23$0.93
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$59.4$54.2$5.15$2.62