Civic Intelligence

Baxter Credit Union

990 • Fiscal year 2019 • EIN 23-7250155

Jan 01, 2019 to Dec 31, 2019 • Filed on May 15, 2020

Organization Profilebcu.org

View Organization Page

340 North Milwaukee AvenueVernon Hills, IL 60061

(800) 388-7000

Siviq Scores

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

Liabilities / Assets

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Liabilities / Revenue

8th percentile

13.21x

Higher debt load relative to revenue than 8% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Net Margin

36th percentile

15%

Higher net margin than 36% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Top Officer Pay

68th percentile

$1,181,849

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 0.4% of source-year revenue.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Asset Growth

79th percentile

13%

Faster asset growth than 79% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Revenue Growth

54th percentile

13%

Faster revenue growth than 54% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$3,921,954,593

Up $438,000,148 (+13%) from 2018

Net Assets

Up

$368,737,557

Up $43,071,659 (+13%) from 2018

Liabilities

Up

$3,553,217,036

Up $394,928,489 (+13%) from 2018

Revenue And Expenses
Liabilities / Revenue8th percentileNet Margin36th percentile

Revenue

Up

$268,990,676

Up $30,685,515 (+13%) from 2018

Expenses

Up

$227,921,476

Up $24,588,470 (+12%) from 2018

Net Income

Up

$41,069,200

Up $6,097,045 (+17%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth79th percentile

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

$6.0B$4.0B$2.0B$0Assets 2010: $1,443,953,570Liabilities 2010: $1,332,796,475Net Assets 2010: $111,157,0952010Assets 2011: $1,580,220,615Liabilities 2011: $1,450,387,237Net Assets 2011: $129,833,3782011Assets 2012: $1,778,825,531Liabilities 2012: $1,627,827,280Net Assets 2012: $150,998,2512012Assets 2014: $2,107,750,565Liabilities 2014: $1,901,845,680Net Assets 2014: $205,904,8852014Assets 2015: $2,358,314,772Liabilities 2015: $2,123,843,095Net Assets 2015: $234,471,6772015Assets 2016: $2,629,405,006Liabilities 2016: $2,367,050,276Net Assets 2016: $262,354,7302016Assets 2017: $2,947,983,587Liabilities 2017: $2,657,257,144Net Assets 2017: $290,726,4432017Assets 2018: $3,483,954,445Liabilities 2018: $3,158,288,547Net Assets 2018: $325,665,8982018Assets 2019: $3,921,954,593Liabilities 2019: $3,553,217,036Net Assets 2019: $368,737,5572019Assets 2020: $4,476,609,953Liabilities 2020: $4,061,186,751Net Assets 2020: $415,423,2022020Assets 2021: $5,072,223,238Liabilities 2021: $4,584,267,558Net Assets 2021: $487,955,6802021Assets 2022: $5,751,484,149Liabilities 2022: $5,246,732,646Net Assets 2022: $504,751,5032022

Highlighted filing

2019

Assets$3,921,954,593
Liabilities$3,553,217,036
Net Assets$368,737,557
Open 2019 Filing

Operations Trend

Revenue Growth54th percentile

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

$400M$300M$200M$100M$0Expenses 2010: $110,530,4122010Expenses 2011: $104,002,7722011Expenses 2012: $105,921,5372012Revenue 2014: $133,812,942Expenses 2014: $106,360,927Net Income 2014: $27,452,0152014Revenue 2015: $149,320,698Expenses 2015: $120,701,174Net Income 2015: $28,619,5242015Revenue 2016: $165,334,018Expenses 2016: $136,780,152Net Income 2016: $28,553,8662016Revenue 2017: $192,716,840Expenses 2017: $164,439,417Net Income 2017: $28,277,4232017Revenue 2018: $238,305,161Expenses 2018: $203,333,006Net Income 2018: $34,972,1552018Revenue 2019: $268,990,676Expenses 2019: $227,921,476Net Income 2019: $41,069,2002019Revenue 2020: $274,030,926Expenses 2020: $239,877,914Net Income 2020: $34,153,0122020Revenue 2021: $316,168,145Expenses 2021: $240,408,034Net Income 2021: $75,760,1112021Revenue 2022: $350,442,030Expenses 2022: $293,104,697Net Income 2022: $57,337,3332022

Highlighted filing

2019

Revenue$268,990,676
Expenses$227,921,476
Net Income$41,069,200
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
May 15, 2020
Return Version
2019v5.0
Gross Receipts
$268,990,676
Mission and Program Overview

Mission

The organization is a full service, state-chartered credit union providing a broad range of loan and deposit products and other financial services to it members located throughout the US and Puerto Rico using various channels including branches, a call center, and the internet.

The organization is a full service, state-chartered credit union providing a broad range of loan and deposit products and other financial services to its members located throughout the US and Puerto Rico using various channels including branches, a call center, and the internet.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,116,925,651$3,450,600,397▲ $333,674,746
Rtn Earn Endowment Incm Other Fnds$325,665,898$368,737,557▲ $43,071,659
Savings and Temporary Cash Investments$130,238,450$132,412,534▲ $2,174,084
Investments in Publicly Traded Securities$83,739,925$123,343,678▲ $39,603,753
Land, Buildings, and Equipment, Net$23,446,453$39,312,767▲ $15,866,314
Investments Other Securities$14,967,443$20,096,169▲ $5,128,726
Cash and Non-Interest-Bearing Accounts$16,894,085$14,972,813▼ $1,921,272
Prepaid Expenses and Deferred Charges$4,207,859$4,434,543▲ $226,684
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$3,483,954,445$3,921,954,593▲ $438,000,148
Other Assets Total$93,534,579$136,781,692▲ $43,247,113
Liabilities
Other Liabilities$2,787,186,112$3,095,522,712▲ $308,336,600
Mortgage Notes Payable Secured by Investment Property$335,000,000$415,000,000▲ $80,000,000
Accounts Payable and Accrued Expenses$36,102,435$42,694,324▲ $6,591,889
Total Liabilities$3,158,288,547$3,553,217,036▲ $394,928,489
Net Assets / Fund Balance
Total Net Assets Fund Balance$325,665,898$368,737,557▲ $43,071,659
Total Liabilities and Net Assets / Fund Balance$3,483,954,445$3,921,954,593▲ $438,000,148

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,345,477$1,096,648$0
Other Land Buildings$6,450,412$0$0
Land$1,505,480-$0
Equipment$15,696,915$40,824,788$0
Leasehold Improvements$14,314,483$13,089,539$0
Compensation and Service Providers
Top Officer Pay68th percentile

Board Members and Trustees

NameTitle
Michael CurranChairman
Michael ValentinePresident, CEO and Treasurer
Al NietzelDirector
Betty LarsonDirector
Brett CraigDirector
Christine McCauleyDirector
David StraussDirector
Mark RosenbaumDirector
Ola SnowDirector
Paul MartinDirector
Thomas HodsonDirector
Christine FlemingDirector and Secretary
Scott SchmidtAVP Digital Services
Robert Orlich JrConsumer Loan Sales
Tom MooreEvp
Jose CajigasGM/VP Puerto Rico
John AndersonInvestment Advisors
Robert PondelicekSr Dir, Real Estate Sales & Service
David BlumSVP Corporate Relationships and Services
Carl PrestoSVP/CFO
James BlockSVP/Chief Loan Officer
Jeffery JohnsonSVP/CIO
Carey PriceSVP/CRO
Lisa BaronSVP/hr
Dan ParsonsVP US Service Centers
Douglas WrightVP/Audit
David BrydunVP/Consumer Lending
Charles SmithVP/Controller
Brad BergmooserVP/General Counsel
Sarah ThorrensVP/Human Resources
Scott ZulpoVP/Information Technology
John SahagianVP/Marketing
Jill SammonsVP/Marketing and Brand Strategy
Herbert BehrensVP/Mortgages
Kenneth DryfthoutVP/Strategy
Edwin T WatsonWealth Advisor
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$252,409,341
Investment Income
$16,581,335
Other Revenue
$0
Change in Net Assets
$41,069,200

Audited Revenue Reconciliation

Revenue per Audited Statements
$268,990,676
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$268,990,676
Total Revenue per Form 990
$268,990,676
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$162,581,311
Salaries, Compensation, and Employee Benefits$65,340,165
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$51,150,386
Other Expenses---$26,149,682
All Other Expenses---$21,031,290
Interest---$16,975,553
Information Technology---$9,276,379
Other Employee Benefits---$7,714,983
Depreciation Depletion---$7,285,726
Fees for Services Other---$5,766,476
Office Expenses---$5,753,422
Occupancy---$4,825,506
Payroll Taxes---$3,958,948
Advertising---$2,768,428
Pension Plan Contributions---$2,515,848
Conferences and Meetings---$1,809,173
Insurance---$363,506
Fees for Services Legal---$100,917
Fees for Services Accounting---$64,500
Total Functional Expenses$0$0$0$227,921,476

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$227,921,476
Total Expenses per Audited Statements$227,921,476
Total Expenses per Form 990$227,921,476
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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
Member Shares$3,095,522,712
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 35% controlled entity
No
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

“Our credit union members elect directors and appoint outside auditor during the annual meeting held in February. One of the directors is the President of the credit union.”

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

“Our credit union members elect directors and appoint outside auditor during the annual meeting held in February. One of the directors is the President of the credit union.”

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

“Our credit union members elect directors and appoint an outside auditor during the annual meeting held in February. One of the directors is the President of the credit union.”

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

“Form 990 is reviewed for accuracy by the Controller and CFO prior to submission to the IRS.”

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

“The credit union has a written code of conduct which includes a "conflict of interest" clause requiring all employees to complete online form at time of hire.”

Form 990, Part VI, Section B, Line 15

“Compensation was determined by reviewing third party benchmarks by the Executive Committee of the BOD.”

Form 990, Part VI, Section C, Line 19

“The credit union will provide its governing documents, interest policy, and financial statements to its membership upon request.”

Filing and Contact Details

Filer

Filer Name
Baxter Credit Union
EIN
23-7250155
Phone
8003887000
Address
340 North Milwaukee Avenue, Vernon Hills, IL 60061

Signing Officer

Name
Chuck Smith
Title
Controller
Phone
8479328401
Signed
2020-05-15

Organization Details

Principal Officer
Mike Valentine
Formed
1981
Legal Domicile
Il
Voting Board Members
12
Independent Board Members
11
Employees
0
Volunteers
4
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Merged with Bard Federal Credit Union in May 31, 2019.”

Financial Statement Notes

Schedule D, Part X, Line 2

“The amount represents total shares by our members.”

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt250
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt330
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt340
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt350
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt360
IRS990/Form990PartVIISectionAGrp/PersonNm0Michael Curran
IRS990/Form990PartVIISectionAGrp/PersonNm1Betty Larson
IRS990/Form990PartVIISectionAGrp/PersonNm2Ola Snow
IRS990/Form990PartVIISectionAGrp/PersonNm3David Strauss
IRS990/Form990PartVIISectionAGrp/PersonNm4Brett Craig
IRS990/Form990PartVIISectionAGrp/PersonNm5Thomas Hodson
IRS990/Form990PartVIISectionAGrp/PersonNm6Paul Martin
IRS990/Form990PartVIISectionAGrp/PersonNm7Christine McCauley
IRS990/Form990PartVIISectionAGrp/PersonNm8Christine Fleming
IRS990/Form990PartVIISectionAGrp/PersonNm9David Strauss
IRS990/Form990PartVIISectionAGrp/PersonNm10Al Nietzel
IRS990/Form990PartVIISectionAGrp/PersonNm11Mark Rosenbaum
IRS990/Form990PartVIISectionAGrp/PersonNm12Michael Valentine
IRS990/Form990PartVIISectionAGrp/PersonNm13Lisa Baron
IRS990/Form990PartVIISectionAGrp/PersonNm14Tom Moore
IRS990/Form990PartVIISectionAGrp/PersonNm15Jeffery Johnson
IRS990/Form990PartVIISectionAGrp/PersonNm16James Block
IRS990/Form990PartVIISectionAGrp/PersonNm17Carl Presto
IRS990/Form990PartVIISectionAGrp/PersonNm18Carey Price
IRS990/Form990PartVIISectionAGrp/PersonNm19John Sahagian
IRS990/Form990PartVIISectionAGrp/PersonNm20Herbert Behrens
IRS990/Form990PartVIISectionAGrp/PersonNm21Douglas Wright
IRS990/Form990PartVIISectionAGrp/PersonNm22Charles Smith
IRS990/Form990PartVIISectionAGrp/PersonNm23Sarah Thorrens
IRS990/Form990PartVIISectionAGrp/PersonNm24Kenneth Dryfthout
IRS990/Form990PartVIISectionAGrp/PersonNm25David Blum
IRS990/Form990PartVIISectionAGrp/PersonNm26Scott Zulpo
IRS990/Form990PartVIISectionAGrp/PersonNm27David Brydun
IRS990/Form990PartVIISectionAGrp/PersonNm28Dan Parsons
IRS990/Form990PartVIISectionAGrp/PersonNm29Jill Sammons
IRS990/Form990PartVIISectionAGrp/PersonNm30Jose Cajigas
IRS990/Form990PartVIISectionAGrp/PersonNm31John Anderson
IRS990/Form990PartVIISectionAGrp/PersonNm32Robert Orlich Jr
IRS990/Form990PartVIISectionAGrp/PersonNm33Edwin T Watson
IRS990/Form990PartVIISectionAGrp/PersonNm34Robert Pondelicek
IRS990/Form990PartVIISectionAGrp/PersonNm35Brad Bergmooser
IRS990/Form990PartVIISectionAGrp/PersonNm36Scott Schmidt
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt260
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt270
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt280
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt290
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt310
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt320
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt330
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt340
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt350
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt360
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt121181849
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt13417232
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt14732701
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt15379553
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt16393553
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt17414214
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt18260077
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt19242942
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20270986
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt21217108
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt22261865
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt23262565
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt24212349
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt25280075
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt27269919
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt31213529
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt32188939
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt33244902
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt36192810
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director and Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12President, CEO and Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/HR
IRS990/Form990PartVIISectionAGrp/TitleTxt14EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP/Chief Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP/CRO
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP/Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP/Mortgages
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP/Audit
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP/Controller
IRS990/Form990PartVIISectionAGrp/TitleTxt23VP/Human Resources
IRS990/Form990PartVIISectionAGrp/TitleTxt24VP/Strategy
IRS990/Form990PartVIISectionAGrp/TitleTxt25SVP Corporate Relationships and Services
IRS990/Form990PartVIISectionAGrp/TitleTxt26VP/Information Technology
IRS990/Form990PartVIISectionAGrp/TitleTxt27VP/Consumer Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt28VP US Service Centers
IRS990/Form990PartVIISectionAGrp/TitleTxt29VP/Marketing and Brand Strategy
IRS990/Form990PartVIISectionAGrp/TitleTxt30GM/VP Puerto Rico
IRS990/Form990PartVIISectionAGrp/TitleTxt31Investment Advisors
IRS990/Form990PartVIISectionAGrp/TitleTxt32Consumer Loan Sales
IRS990/Form990PartVIISectionAGrp/TitleTxt33Wealth Advisor
IRS990/Form990PartVIISectionAGrp/TitleTxt34Sr Dir, Real Estate Sales & Service
IRS990/Form990PartVIISectionAGrp/TitleTxt35VP/General Counsel
IRS990/Form990PartVIISectionAGrp/TitleTxt36AVP Digital Services
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01981
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
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IRS990/GrantAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/InsuranceGrp/TotalAmt0363506
IRS990/InterestGrp/TotalAmt016975553
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,921,954,593
Liabilities
$3,553,217,036
Net assets
$368,737,557
Revenue
$268,990,676
Expenses
$227,921,476
Net income
$41,069,200
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5,751$5,247$505$350$293$57.3
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$5,072$4,584$488$316$240$75.8
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$4,477$4,061$415$274$240$34.2
2019Detailed filing. Detailed filing data is available for this year.$3,922$3,553$369$269$228$41.1
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,484$3,158$326$238$203$35.0
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,948$2,657$291$193$164$28.3
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,629$2,367$262$165$137$28.6
2015Detailed filing. Detailed filing data is available for this year.$2,358$2,124$234$149$121$28.6
2014Detailed filing. Detailed filing data is available for this year.$2,108$1,902$206$134$106$27.5
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,779$1,628$151$106
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,580$1,450$130$104
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,444$1,333$111$111