Civic Intelligence

Baxter Credit Union

990 • Fiscal year 2020 • EIN 23-7250155

Jan 01, 2020 to Dec 31, 2020 • Filed on May 10, 2021

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

67th percentile

0.91x

Higher debt load relative to assets than 67% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Liabilities / Revenue

9th percentile

14.82x

Higher debt load relative to revenue than 9% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Net Margin

38th percentile

12%

Higher net margin than 38% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Top Officer Pay

78th percentile

$1,377,135

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 0.5% of source-year revenue.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Asset Growth

19th percentile

14%

Faster asset growth than 19% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2019 to 2020

Revenue Growth

50th percentile

1.9%

Faster revenue growth than 50% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets67th percentile

Assets

Up

$4,476,609,953

Up $992,655,508 (+28%) from 2018

Net Assets

Up

$415,423,202

Up $89,757,304 (+28%) from 2018

Liabilities

Up

$4,061,186,751

Up $902,898,204 (+29%) from 2018

Revenue And Expenses
Liabilities / Revenue9th percentileNet Margin38th percentile

Revenue

Up

$274,030,926

Up $35,725,765 (+15%) from 2018

Expenses

Up

$239,877,914

Up $36,544,908 (+18%) from 2018

Net Income

Down

$34,153,012

Down $819,143 (-2.3%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth19th 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 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

2020

Assets$4,476,609,953
Liabilities$4,061,186,751
Net Assets$415,423,202
Open 2020 Filing

Operations Trend

Revenue Growth50th 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 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

2020

Revenue$274,030,926
Expenses$239,877,914
Net Income$34,153,012
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
May 10, 2021
Return Version
2020v4.0
Gross Receipts
$274,030,926
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$3,450,600,397$3,819,798,413▲ $369,198,016
Rtn Earn Endowment Incm Other Fnds$368,737,557$415,423,202▲ $46,685,645
Savings and Temporary Cash Investments$132,412,534$224,017,528▲ $91,604,994
Investments in Publicly Traded Securities$123,343,678$95,684,332▼ $27,659,346
Investments Other Securities$20,096,169$78,266,775▲ $58,170,606
Land, Buildings, and Equipment, Net$39,312,767$47,142,325▲ $7,829,558
Cash and Non-Interest-Bearing Accounts$14,972,813$38,630,704▲ $23,657,891
Prepaid Expenses and Deferred Charges$4,434,543$6,686,818▲ $2,252,275
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$3,921,954,593$4,476,609,953▲ $554,655,360
Other Assets Total$136,781,692$166,383,058▲ $29,601,366
Liabilities
Other Liabilities$3,095,522,712$3,833,057,531▲ $737,534,819
Mortgage Notes Payable Secured by Investment Property$415,000,000$164,000,000▼ $251,000,000
Accounts Payable and Accrued Expenses$42,694,324$64,129,220▲ $21,434,896
Total Liabilities$3,553,217,036$4,061,186,751▲ $507,969,715
Net Assets / Fund Balance
Total Net Assets Fund Balance$368,737,557$415,423,202▲ $46,685,645
Total Liabilities and Net Assets / Fund Balance$3,921,954,593$4,476,609,953▲ $554,655,360

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,313,148$1,183,169$0
Other Land Buildings$4,362,476$0$0
Land$1,505,480-$0
Equipment$21,318,088$46,640,364$0
Leasehold Improvements$18,643,133$15,770,903$0
Compensation and Service Providers
Top Officer Pay78th percentile

Board Members and Trustees

NameTitle
Michael CurranChairman
Michael ValentinePresident, CEO and Treasurer
Al NietzelDirector
Betty LarsonDirector
Bill CostaDirector
Brett CraigDirector
Christine McCauleyDirector
David StraussDirector
Mark RosenbaumDirector
Ola SnowDirector
Paul MartinDirector
Robin WellsDirector
Christine FlemingDirector and Secretary
Alex MelnikDirector of Busines Intelligence
Robert Orlich JrConsumer Loan Sales
Tom MooreEvp
David BlumEVP Corporate Relationships and Services
James BlockEVP/Chief Operating Officer
Lisa BaronEvp/chro
Scott ZulpoEvp/CIO
Jose CajigasGM/VP Puerto Rico
John AndersonInvestment Advisors
Robert PondelicekSr Dir, Real Estate Sales & Service
Jeffery JohnsonSVP
Carl PrestoSVP/CFO
Carey PriceSVP/CRO
John SahagianVP
Dan ParsonsVP US Service Centers
Douglas WrightVP/Audit
David BrydunVP/Consumer Lending
Charles SmithVP/Controller
Sarah ThorrensVP/Human Resources
Jill SammonsVP/Marketing and Brand Strategy
Maria GarciaVP/Member Operations
Herbert BehrensVP/Mortgages
Kenneth DryfthoutVP/Strategy
Edwin T WatsonWealth Advisor
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$266,866,247
Investment Income
$7,164,679
Other Revenue
$0
Change in Net Assets
$34,153,012

Audited Revenue Reconciliation

Revenue per Audited Statements
$274,030,926
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$274,030,926
Total Revenue per Form 990
$274,030,926
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$162,778,598
Salaries, Compensation, and Employee Benefits$77,099,316
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$61,276,507
Other Expenses---$24,395,017
All Other Expenses---$18,182,265
Information Technology---$12,437,587
Fees for Services Other---$8,616,389
Other Employee Benefits---$8,602,861
Depreciation Depletion---$8,583,460
Interest---$7,971,128
Office Expenses---$6,535,675
Occupancy---$5,556,231
Payroll Taxes---$4,414,564
Advertising---$4,010,660
Pension Plan Contributions---$2,805,384
Conferences and Meetings---$677,005
Insurance---$410,120
Fees for Services Legal---$124,992
Fees for Services Accounting---$68,400
Total Functional Expenses$0$0$0$239,877,914

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$239,877,914
Total Expenses per Audited Statements$239,877,914
Total Expenses per Form 990$239,877,914
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$3,833,057,531
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

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

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

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

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

“The credit union members elect directors and appoint outside auditor during the annual meeting held in February. One director 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 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 at time of employment.”

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
2021-05-10

Organization Details

Principal Officer
Mike Valentine
Formed
1981
Legal Domicile
Il
Voting Board Members
12
Independent Board Members
11
Employees
0
Volunteers
13
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Merged with Geico Federal Credit Union effective August 15, 2020.”

Financial Statement Notes

Schedule D, Part X, Line 2

“The amount represents total shares held by our members.”

Raw XML AppendixShowing 400 of 1,139 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt042694324
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt064129220
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0The 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.
IRS990/AdvertisingGrp/TotalAmt04010660
IRS990/AllOtherExpensesGrp/TotalAmt018182265
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0Chuck Smith
IRS990/BooksInCareOfDetail/PhoneNum08479328401
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0340 North Milwaukee Avenue
IRS990/BooksInCareOfDetail/USAddress/CityNm0Vernon Hills
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd060061
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt014972813
IRS990/CashNonInterestBearingGrp/EOYAmt038630704
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt0677005
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt07164679
IRS990/CYOtherExpensesAmt0162778598
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0266866247
IRS990/CYRevenuesLessExpensesAmt034153012
IRS990/CYSalariesCompEmpBnftPaidAmt077099316
IRS990/CYTotalExpensesAmt0239877914
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0274030926
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt08583460
IRS990/Desc0Provided 6,059 first mortgages for $1,869,046,530
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd01
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt00
IRS990/ExpenseAmt00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt068400
IRS990/FeesForServicesLegalGrp/TotalAmt0124992
IRS990/FeesForServicesOtherGrp/TotalAmt08616389
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt040
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt240
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt340
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt440
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt540
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt640
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt740
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt840
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt940
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt1040
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt1140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt1240
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt1340
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt1440
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt1540
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt1640
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt1740
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt1840
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt1940
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt2040
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt2140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt2240
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt2340
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt2440
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt250
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt260
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt270
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt280
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt290
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt300
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt310
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt320
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt330
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt340
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt350
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt360
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt110
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt120
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt130
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt150
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt160
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt170
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt180
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt190
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt200
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt210
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt220
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt230
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt240
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt250
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt260
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt270
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt280
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt290
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt300
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt310
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt320
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt330
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt340
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt350
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt360
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/InstitutionalTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd11X
IRS990/Form990PartVIISectionAGrp/OfficerInd12X
IRS990/Form990PartVIISectionAGrp/OfficerInd13X
IRS990/Form990PartVIISectionAGrp/OfficerInd14X
IRS990/Form990PartVIISectionAGrp/OfficerInd15X
IRS990/Form990PartVIISectionAGrp/OfficerInd16X
IRS990/Form990PartVIISectionAGrp/OfficerInd17X
IRS990/Form990PartVIISectionAGrp/OfficerInd18X
IRS990/Form990PartVIISectionAGrp/OfficerInd19X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt180
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt190
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt200
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt210
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt220
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt230
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt240
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt250
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt260
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt270
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt280
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt290
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt300
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt310
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt320
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt330
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt340
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt350
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt360
IRS990/Form990PartVIISectionAGrp/PersonNm0Michael Valentine
IRS990/Form990PartVIISectionAGrp/PersonNm1Tom Moore
IRS990/Form990PartVIISectionAGrp/PersonNm2Lisa Baron
IRS990/Form990PartVIISectionAGrp/PersonNm3Carl Presto
IRS990/Form990PartVIISectionAGrp/PersonNm4James Block
IRS990/Form990PartVIISectionAGrp/PersonNm5Scott Zulpo
IRS990/Form990PartVIISectionAGrp/PersonNm6Jeffery Johnson
IRS990/Form990PartVIISectionAGrp/PersonNm7David Blum
IRS990/Form990PartVIISectionAGrp/PersonNm8Herbert Behrens
IRS990/Form990PartVIISectionAGrp/PersonNm9Carey Price
IRS990/Form990PartVIISectionAGrp/PersonNm10David Brydun
IRS990/Form990PartVIISectionAGrp/PersonNm11Edwin T Watson
IRS990/Form990PartVIISectionAGrp/PersonNm12John Anderson
IRS990/Form990PartVIISectionAGrp/PersonNm13Charles Smith
IRS990/Form990PartVIISectionAGrp/PersonNm14Sarah Thorrens
IRS990/Form990PartVIISectionAGrp/PersonNm15John Sahagian
IRS990/Form990PartVIISectionAGrp/PersonNm16Kenneth Dryfthout
IRS990/Form990PartVIISectionAGrp/PersonNm17Dan Parsons
IRS990/Form990PartVIISectionAGrp/PersonNm18Jose Cajigas
IRS990/Form990PartVIISectionAGrp/PersonNm19Jill Sammons
IRS990/Form990PartVIISectionAGrp/PersonNm20Douglas Wright
IRS990/Form990PartVIISectionAGrp/PersonNm21Robert Orlich Jr
IRS990/Form990PartVIISectionAGrp/PersonNm22Robert Pondelicek
IRS990/Form990PartVIISectionAGrp/PersonNm23Alex Melnik
IRS990/Form990PartVIISectionAGrp/PersonNm24Maria Garcia
IRS990/Form990PartVIISectionAGrp/PersonNm25Michael Curran
IRS990/Form990PartVIISectionAGrp/PersonNm26Betty Larson
IRS990/Form990PartVIISectionAGrp/PersonNm27Ola Snow
IRS990/Form990PartVIISectionAGrp/PersonNm28David Strauss
IRS990/Form990PartVIISectionAGrp/PersonNm29Brett Craig
IRS990/Form990PartVIISectionAGrp/PersonNm30Bill Costa
IRS990/Form990PartVIISectionAGrp/PersonNm31Paul Martin
IRS990/Form990PartVIISectionAGrp/PersonNm32Christine McCauley
IRS990/Form990PartVIISectionAGrp/PersonNm33Christine Fleming
IRS990/Form990PartVIISectionAGrp/PersonNm34Robin Wells
IRS990/Form990PartVIISectionAGrp/PersonNm35Al Nietzel
IRS990/Form990PartVIISectionAGrp/PersonNm36Mark Rosenbaum
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
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt01377135
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt1711608
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt2551791
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3467776
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt4452975
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt5433188
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt6358612
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt7325316
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt8316672
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt9303638
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10287270
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt11286444
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt12272719
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt13271255
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt14267968
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt15252281
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt16251897
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt17239395
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt18237791
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt19237685
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20231423
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt21231266
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt22218193
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt23213103
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt24206722
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt260
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt270
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt280
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt290
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt310
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt320
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt330
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt340
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt350
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt360
IRS990/Form990PartVIISectionAGrp/TitleTxt0President, CEO and Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt1EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt2EVP/CHRO
IRS990/Form990PartVIISectionAGrp/TitleTxt3SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt4EVP/Chief Operating Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt5EVP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt6SVP
IRS990/Form990PartVIISectionAGrp/TitleTxt7EVP Corporate Relationships and Services
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP/Mortgages
IRS990/Form990PartVIISectionAGrp/TitleTxt9SVP/CRO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP/Consumer Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt11Wealth Advisor
IRS990/Form990PartVIISectionAGrp/TitleTxt12Investment Advisors
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP/Controller
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP/Human Resources
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP/Strategy
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP US Service Centers
IRS990/Form990PartVIISectionAGrp/TitleTxt18GM/VP Puerto Rico
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP/Marketing and Brand Strategy
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP/Audit
IRS990/Form990PartVIISectionAGrp/TitleTxt21Consumer Loan Sales
IRS990/Form990PartVIISectionAGrp/TitleTxt22Sr Dir, Real Estate Sales & Service
IRS990/Form990PartVIISectionAGrp/TitleTxt23Director of Busines Intelligence
IRS990/Form990PartVIISectionAGrp/TitleTxt24VP/Member Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt25Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt26Director
IRS990/Form990PartVIISectionAGrp/TitleTxt27Director
IRS990/Form990PartVIISectionAGrp/TitleTxt28Director
IRS990/Form990PartVIISectionAGrp/TitleTxt29Director
IRS990/Form990PartVIISectionAGrp/TitleTxt30Director
IRS990/Form990PartVIISectionAGrp/TitleTxt31Director
IRS990/Form990PartVIISectionAGrp/TitleTxt32Director
IRS990/Form990PartVIISectionAGrp/TitleTxt33Director and Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt34Director
IRS990/Form990PartVIISectionAGrp/TitleTxt35Director
IRS990/Form990PartVIISectionAGrp/TitleTxt36Director
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01981
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GrantAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0274030926
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt0144
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt012437587
IRS990/InsuranceGrp/TotalAmt0410120
IRS990/InterestGrp/TotalAmt07971128
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt07164679

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,476,609,953
Liabilities
$4,061,186,751
Net assets
$415,423,202
Revenue
$274,030,926
Expenses
$239,877,914
Net income
$34,153,012
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
2020Detailed filing. Detailed filing data is available for this year.$4,477$4,061$415$274$240$34.2
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