Civic Intelligence

Baxter Credit Union

990 • Fiscal year 2023 • EIN 23-7250155

Jan 01, 2023 to Dec 31, 2023 • Filed on May 15, 2024

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

48th percentile

0.91x

Higher debt load relative to assets than 48% of similar nonprofits.

2023 filings • 501(c)14 • $1B+ nonprofits • Source year 2023

Liabilities / Revenue

4th percentile

12.10x

Higher debt load relative to revenue than 4% of similar nonprofits.

2023 filings • 501(c)14 • $1B+ nonprofits • Source year 2023

Net Margin

37th percentile

8.9%

Higher net margin than 37% of similar nonprofits.

2023 filings • 501(c)14 • $1B+ nonprofits • Source year 2023

Top Officer Pay

77th percentile

$1,552,399

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 0.3% of source-year revenue.

2023 filings • 501(c)14 • $1B+ nonprofits • Source year 2023

Asset Growth

42nd percentile

2.5%

Faster asset growth than 42% of similar nonprofits.

2023 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2023

Revenue Growth

44th percentile

27%

Faster revenue growth than 44% of similar nonprofits.

2023 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2023

Assets

Up

$5,895,172,593

Up $143,688,444 (+2.5%) from 2022

Net Assets

Up

$525,385,074

Up $20,633,571 (+4.1%) from 2022

Liabilities

Up

$5,369,787,519

Up $123,054,873 (+2.3%) from 2022

Revenue

Up

$443,875,303

Up $93,433,273 (+27%) from 2022

Expenses

Up

$404,556,766

Up $111,452,069 (+38%) from 2022

Net Income

Down

$39,318,537

Down $18,018,796 (-31%) from 2022

Historical Trend

Balance Sheet Trend

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: $504,751,5032022Assets 2023: $5,895,172,593Liabilities 2023: $5,369,787,519Net Assets 2023: $525,385,0742023

Highlighted filing

2023

Assets$5,895,172,593
Liabilities$5,369,787,519
Net Assets$525,385,074

Operations Trend

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

$600M$400M$200M$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: $57,337,3332022Revenue 2023: $443,875,303Expenses 2023: $404,556,766Net Income 2023: $39,318,5372023

Highlighted filing

2023

Revenue$443,875,303
Expenses$404,556,766
Net Income$39,318,537
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
May 15, 2024
Return Version
2023v5.0
Gross Receipts
$443,875,303
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$4,794,875,539$4,850,577,179▲ $55,701,640
Rtn Earn Endowment Incm Other Fnds$504,751,503$525,385,074▲ $20,633,571
Savings and Temporary Cash Investments$304,338,101$364,262,355▲ $59,924,254
Investments in Publicly Traded Securities$277,505,509$225,556,772▼ $51,948,737
Land, Buildings, and Equipment, Net$110,625,458$112,409,218▲ $1,783,760
Investments Other Securities$97,315,968$86,362,443▼ $10,953,525
Cash and Non-Interest-Bearing Accounts$44,262,823$51,028,336▲ $6,765,513
Prepaid Expenses and Deferred Charges$8,126,281$8,354,804▲ $228,523
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$5,751,484,149$5,895,172,593▲ $143,688,444
Other Assets Total$114,434,470$196,621,486▲ $82,187,016
Liabilities
Other Liabilities$4,509,414,281$4,509,069,706▼ $344,575
Mortgage Notes Payable Secured by Investment Property$665,000,000$775,000,000▲ $110,000,000
Accounts Payable and Accrued Expenses$72,318,365$85,717,813▲ $13,399,448
Total Liabilities$5,246,732,646$5,369,787,519▲ $123,054,873
Net Assets / Fund Balance
Total Net Assets Fund Balance$504,751,503$525,385,074▲ $20,633,571
Total Liabilities and Net Assets / Fund Balance$5,751,484,149$5,895,172,593▲ $143,688,444

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$50,293,291$14,199,319$0
Other Land Buildings$11,585,772$0$0
Land$16,854,585-$0
Equipment$27,711,782$67,980,541$0
Leasehold Improvements$5,963,788$9,976,936$0
Compensation and Service Providers

Employees

NameTitleOtherTotal
Michael CurranChairman$49,500$49,500
Christine FlemingDirector and Secretary$38,500$38,500
Christine McCauleyDirector$38,500$38,500
Paul MartinDirector$38,500$38,500
Al NietzelDirector$33,000$33,000
Betty LarsonDirector$33,000$33,000
Bill CostaDirector$33,000$33,000
Brett CraigDirector$33,000$33,000
David StraussDirector$33,000$33,000
Ola SnowDirector$33,000$33,000
Robin WellsDirector$16,500$16,500

Board Members and Trustees

NameTitle
Michael ValentinePresident, CEO and Treasurer
Kristi MertensManaging Director, Wealth Advisors
Dmitriy MelnickSenior Director, Software Development
Brandon BierutConsumer Loan Sales
David BlumEVP Corporate Relationships and US Service Centers
Carl PrestoEvp/CFO
James BlockEVP/Chief Operating Officer
Lisa BaronEvp/chro
Scott ZulpoEvp/CIO
John AndersonInvestment Advisors
Dan ParsonsSVP US Service Centers
Bhavna GuglaniSVP, Chief Digital Officer
David BrydunSVP/Chief Lending Officer
Stephanie SouthardSVP/ciso
Charles SmithSVP/Controller
Carey PriceSVP/Digital Strategy and Delivery
Kerriann MillsSVP/General Counsel
Jill SammonsSVP/Marketing and Brand Strategy
Maria GarciaSVP/Member Operations
John SahagianVP
Harvey RindtVP, Compliance
Davi AllenVP, Consumer Lending
Keith ParisVP, Contact Center Opts
Brett EngelVP, Finance and Risk
Jordan MullerVP, Program Delivery
Joe McCarthyVP, Real Estate Lending
Dan CookVP, US Retail Branches
Douglas WrightVP/Audit
Edwin T WatsonWealth Advisor
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$379,873,660
Investment Income
$64,001,643
Other Revenue
$0
Change in Net Assets
$39,318,537

Audited Revenue Reconciliation

Revenue per Audited Statements
$443,875,303
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$443,875,303
Total Revenue per Form 990
$443,875,303
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$297,545,219
Salaries, Compensation, and Employee Benefits$107,011,547
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$85,925,860
Other Expenses---$76,202,729
Interest---$64,734,324
All Other Expenses---$25,907,432
Information Technology---$19,737,742
Depreciation Depletion---$12,104,881
Other Employee Benefits---$11,464,288
Office Expenses---$9,014,729
Fees for Services Other---$6,959,141
Payroll Taxes---$5,882,907
Pension Plan Contributions---$3,738,492
Advertising---$3,604,299
Occupancy---$3,225,363
Conferences and Meetings---$1,037,792
Insurance---$574,695
Fees for Services Legal---$209,711
Fees for Services Accounting---$131,496
Total Functional Expenses$0$0$0$404,556,766

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$404,556,766
Total Expenses per Audited Statements$404,556,766
Total Expenses per Form 990$404,556,766
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$35,000
Total Exempt Function Spending$35,000
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
23-7065623Madison, WI$20,000
36-3092340Naperville, IL$15,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$4,245,040,329
Non Member Shares$264,029,377
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 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 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 board of directors.

Form 990, Part VI, Section C, Line 19

The credit union will provide its governments 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
2024-05-15

Organization Details

Principal Officer
Mike Valentine
Formed
1981
Legal Domicile
Il
Voting Board Members
11
Independent Board Members
10
Employees
0
Volunteers
11
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

adopted CECL 1/1/23 ASC 326

Raw XML AppendixShowing 400 of 1,272 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/BOYAmt072318365
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt085717813
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/TotalAmt03604299
IRS990/AllOtherExpensesGrp/TotalAmt025907432
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/BOYAmt044262823
IRS990/CashNonInterestBearingGrp/EOYAmt051028336
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt01037792
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt064001643
IRS990/CYOtherExpensesAmt0297545219
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0379873660
IRS990/CYRevenuesLessExpensesAmt039318537
IRS990/CYSalariesCompEmpBnftPaidAmt0107011547
IRS990/CYTotalExpensesAmt0404556766
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0443875303
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt012104881
IRS990/Desc0Provided 6,159 first mortgages for $2,086,495,819
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd01
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt00
IRS990/ExpenseAmt00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0131496
IRS990/FeesForServicesLegalGrp/TotalAmt0209711
IRS990/FeesForServicesOtherGrp/TotalAmt06959141
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/AverageHoursPerWeekRltdOrgRt2540
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt2640
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt2740
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt2840
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt2940
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt3040
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt3140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt3240
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt3340
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt3440
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt3540
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt3640
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt3740
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt3840
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt3940
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/AverageHoursPerWeekRt370
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt380
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt390
IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd1X
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/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/OfficerInd20X
IRS990/Form990PartVIISectionAGrp/OfficerInd21X
IRS990/Form990PartVIISectionAGrp/OfficerInd22X
IRS990/Form990PartVIISectionAGrp/OfficerInd23X
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/OtherCompensationAmt370
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt380
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt390
IRS990/Form990PartVIISectionAGrp/PersonNm0Michael Valentine
IRS990/Form990PartVIISectionAGrp/PersonNm1James Block
IRS990/Form990PartVIISectionAGrp/PersonNm2Carl Presto
IRS990/Form990PartVIISectionAGrp/PersonNm3Lisa Baron
IRS990/Form990PartVIISectionAGrp/PersonNm4David Blum
IRS990/Form990PartVIISectionAGrp/PersonNm5Kristi Mertens
IRS990/Form990PartVIISectionAGrp/PersonNm6Edwin T Watson
IRS990/Form990PartVIISectionAGrp/PersonNm7Scott Zulpo
IRS990/Form990PartVIISectionAGrp/PersonNm8David Brydun
IRS990/Form990PartVIISectionAGrp/PersonNm9Brandon Bierut
IRS990/Form990PartVIISectionAGrp/PersonNm10John Anderson
IRS990/Form990PartVIISectionAGrp/PersonNm11Stephanie Southard
IRS990/Form990PartVIISectionAGrp/PersonNm12Charles Smith
IRS990/Form990PartVIISectionAGrp/PersonNm13Dan Parsons
IRS990/Form990PartVIISectionAGrp/PersonNm14Kerriann Mills
IRS990/Form990PartVIISectionAGrp/PersonNm15Brett Engel
IRS990/Form990PartVIISectionAGrp/PersonNm16Carey Price
IRS990/Form990PartVIISectionAGrp/PersonNm17Davi Allen
IRS990/Form990PartVIISectionAGrp/PersonNm18Douglas Wright
IRS990/Form990PartVIISectionAGrp/PersonNm19John Sahagian
IRS990/Form990PartVIISectionAGrp/PersonNm20Maria Garcia
IRS990/Form990PartVIISectionAGrp/PersonNm21Jill Sammons
IRS990/Form990PartVIISectionAGrp/PersonNm22Joe McCarthy
IRS990/Form990PartVIISectionAGrp/PersonNm23Dmitriy Melnick
IRS990/Form990PartVIISectionAGrp/PersonNm24Bhavna Guglani
IRS990/Form990PartVIISectionAGrp/PersonNm25Jordan Muller
IRS990/Form990PartVIISectionAGrp/PersonNm26Keith Paris
IRS990/Form990PartVIISectionAGrp/PersonNm27Dan Cook
IRS990/Form990PartVIISectionAGrp/PersonNm28Harvey Rindt
IRS990/Form990PartVIISectionAGrp/PersonNm29Michael Curran
IRS990/Form990PartVIISectionAGrp/PersonNm30Paul Martin
IRS990/Form990PartVIISectionAGrp/PersonNm31Christine McCauley
IRS990/Form990PartVIISectionAGrp/PersonNm32Christine Fleming
IRS990/Form990PartVIISectionAGrp/PersonNm33Ola Snow
IRS990/Form990PartVIISectionAGrp/PersonNm34Brett Craig
IRS990/Form990PartVIISectionAGrp/PersonNm35Al Nietzel
IRS990/Form990PartVIISectionAGrp/PersonNm36Betty Larson
IRS990/Form990PartVIISectionAGrp/PersonNm37David Strauss
IRS990/Form990PartVIISectionAGrp/PersonNm38Bill Costa
IRS990/Form990PartVIISectionAGrp/PersonNm39Robin Wells
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/ReportableCompFromOrgAmt370
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt380
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt390
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt01552399
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt1763459
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt2683307
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3649197
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt4576147
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt5448488
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt6408917
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt7360812
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt8352736
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt9340445
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10332059
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt11310363
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt12307957
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt13296658
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt14296363
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt15282694
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt16282650
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt17278062
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt18272691
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt19271512
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20265264
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt21261406
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt22261350
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt23258620
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt24243452
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt25239169
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt26216088
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt27204470
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt28179446
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt2949500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3038500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3138500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3238500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3333000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3433000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3533000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3633000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3733000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3833000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3916500
IRS990/Form990PartVIISectionAGrp/TitleTxt0President, CEO and Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt1EVP/Chief Operating Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt2EVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt3EVP/CHRO
IRS990/Form990PartVIISectionAGrp/TitleTxt4EVP Corporate Relationships and US Service Centers
IRS990/Form990PartVIISectionAGrp/TitleTxt5Managing Director, Wealth Advisors
IRS990/Form990PartVIISectionAGrp/TitleTxt6Wealth Advisor
IRS990/Form990PartVIISectionAGrp/TitleTxt7EVP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt8SVP/Chief Lending Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt9Consumer Loan Sales
IRS990/Form990PartVIISectionAGrp/TitleTxt10Investment Advisors
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP/CISO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP/Controller
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP US Service Centers
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP/General Counsel
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP, Finance and Risk
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP/Digital Strategy and Delivery
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP, Consumer Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP/Audit
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP
IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP/Member Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt21SVP/Marketing and Brand Strategy
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP, Real Estate Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt23Senior Director, Software Development
IRS990/Form990PartVIISectionAGrp/TitleTxt24SVP, Chief Digital Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt25VP, Program Delivery
IRS990/Form990PartVIISectionAGrp/TitleTxt26VP, Contact Center Opts
IRS990/Form990PartVIISectionAGrp/TitleTxt27VP, US Retail Branches
IRS990/Form990PartVIISectionAGrp/TitleTxt28VP, Compliance
IRS990/Form990PartVIISectionAGrp/TitleTxt29Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt30Director
IRS990/Form990PartVIISectionAGrp/TitleTxt31Director
IRS990/Form990PartVIISectionAGrp/TitleTxt32Director and Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt33Director
IRS990/Form990PartVIISectionAGrp/TitleTxt34Director
IRS990/Form990PartVIISectionAGrp/TitleTxt35Director
IRS990/Form990PartVIISectionAGrp/TitleTxt36Director
IRS990/Form990PartVIISectionAGrp/TitleTxt37Director
IRS990/Form990PartVIISectionAGrp/TitleTxt38Director
IRS990/Form990PartVIISectionAGrp/TitleTxt39Director
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01981
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$5,895$5,370$525$444$405$39.3
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
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