Civic Intelligence

Affiliated Trades Credit Union

EIN 23-7347818 • 501(c)14 • Collegeville, PA

View Organization Page

Profile

Providing low cost financial services for members of IBEW LU 98 North, retired members of IBEW LU 380, and their families.

3900 Ridge PikeCollegeville, PA 19426

www.affiliatedtradescu.org

Siviq Scores

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

Liabilities / Assets

2nd percentile

0.00x

Higher debt load relative to assets than 2% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

5th percentile

0.04x

Higher debt load relative to revenue than 5% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

52nd percentile

12%

Higher net margin than 52% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

74th percentile

$150,101

Higher top officer pay than 74% of similar nonprofits.

Top officer pay equals 9.6% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

80th percentile

5.6%

Faster asset growth than 80% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

83rd percentile

21%

Faster revenue growth than 83% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets2nd percentile

Assets

Up

$37,515,278

Up $2,005,313 (+5.6%) from 2023

Liabilities

Down

$62,204

Down $21,865 (-26%) from 2023

Net Assets

Up

$37,453,074

Up $2,027,178 (+5.7%) from 2023

Operations
Liabilities / Revenue5th percentileNet Margin52nd percentile

Revenue

Up

$1,565,188

Up $273,236 (+21%) from 2023

Expenses

Up

$1,384,285

Up $301,498 (+28%) from 2023

Net Income

Down

$180,903

Down $28,262 (-14%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth80th percentile

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

$40M$30M$20M$10M$0Assets 2010: $29,347,419Liabilities 2010: $20,657Net Assets 2010: $29,326,7622010Assets 2011: $30,637,954Liabilities 2011: $15,941Net Assets 2011: $30,622,0132011Assets 2012: $30,301,328Liabilities 2012: $26,588Net Assets 2012: $30,274,7402012Assets 2013: $28,910,905Liabilities 2013: $58,429Net Assets 2013: $28,852,4762013Assets 2014: $28,059,516Liabilities 2014: $27,933Net Assets 2014: $28,031,5832014Assets 2015: $28,143,328Liabilities 2015: $33,042Net Assets 2015: $28,110,2862015Assets 2016: $29,006,191Liabilities 2016: $41,456Net Assets 2016: $28,964,7352016Assets 2017: $29,242,841Liabilities 2017: $56,918Net Assets 2017: $29,185,9232017Assets 2018: $29,719,101Liabilities 2018: $36,109Net Assets 2018: $29,682,9922018Assets 2019: $31,010,198Liabilities 2019: $49,431Net Assets 2019: $30,960,7672019Assets 2020: $34,320,671Liabilities 2020: $47,335Net Assets 2020: $34,273,3362020Assets 2021: $35,726,316Liabilities 2021: $52,738Net Assets 2021: $35,673,5782021Assets 2022: $36,040,377Liabilities 2022: $71,472Net Assets 2022: $35,968,9052022Assets 2023: $35,509,965Liabilities 2023: $84,069Net Assets 2023: $35,425,8962023Assets 2024: $37,515,278Liabilities 2024: $62,204Net Assets 2024: $37,453,0742024

Highlighted filing

2024

Assets$37,515,278
Liabilities$62,204
Net Assets$37,453,074
Open 2024 Filing

Operations Trend

Revenue Growth83rd percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,060,3012010Expenses 2011: $1,082,8802011Expenses 2012: $874,8522012Revenue 2013: $847,467Expenses 2013: $1,135,025Net Income 2013: -$287,5582013Revenue 2014: $777,758Expenses 2014: $757,452Net Income 2014: $20,3062014Revenue 2015: $769,627Expenses 2015: $705,052Net Income 2015: $64,5752015Revenue 2016: $780,378Expenses 2016: $764,736Net Income 2016: $15,6422016Revenue 2017: $811,823Expenses 2017: $902,241Net Income 2017: -$90,4182017Revenue 2018: $925,617Expenses 2018: $808,278Net Income 2018: $117,3392018Revenue 2019: $1,006,630Expenses 2019: $942,431Net Income 2019: $64,1992019Revenue 2020: $861,279Expenses 2020: $865,762Net Income 2020: -$4,4832020Revenue 2021: $763,748Expenses 2021: $769,036Net Income 2021: -$5,2882021Revenue 2022: $971,068Expenses 2022: $799,386Net Income 2022: $171,6822022Revenue 2023: $1,291,952Expenses 2023: $1,082,787Net Income 2023: $209,1652023Revenue 2024: $1,565,188Expenses 2024: $1,384,285Net Income 2024: $180,9032024

Highlighted filing

2024

Revenue$1,565,188
Expenses$1,384,285
Net Income$180,903
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$37,515,278
Liabilities
$62,204
Net assets
$37,453,074
Revenue
$1,565,188
Expenses
$1,384,285
Net income
$180,903
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$37.5$0.06$37.5$1.57$1.38$0.18
2023Detailed filing. Detailed filing data is available for this year.$35.5$0.08$35.4$1.29$1.08$0.21
2022Detailed filing. Detailed filing data is available for this year.$36.0$0.07$36.0$0.97$0.80$0.17
2021Detailed filing. Detailed filing data is available for this year.$35.7$0.05$35.7$0.76$0.77$0.01
2020Detailed filing. Detailed filing data is available for this year.$34.3$0.05$34.3$0.86$0.87$0.00
2019Detailed filing. Detailed filing data is available for this year.$31.0$0.05$31.0$1.01$0.94$0.06
2018Detailed filing. Detailed filing data is available for this year.$29.7$0.04$29.7$0.93$0.81$0.12
2017Detailed filing. Detailed filing data is available for this year.$29.2$0.06$29.2$0.81$0.90$0.09
2016Detailed filing. Detailed filing data is available for this year.$29.0$0.04$29.0$0.78$0.76$0.02
2015Detailed filing. Detailed filing data is available for this year.$28.1$0.03$28.1$0.77$0.71$0.06
2014Detailed filing. Detailed filing data is available for this year.$28.1$0.03$28.0$0.78$0.76$0.02
2013Detailed filing. Detailed filing data is available for this year.$28.9$0.06$28.9$0.85$1.14$0.29
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.3$0.03$30.3$0.87
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.6$0.02$30.6$1.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.3$0.02$29.3$1.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 4, 2025
Return Version
2024v5.0
Gross Receipts
$1,565,188
Mission and Program Overview

Mission

Providing low cost financial services for members of IBEW LU 98 North, retired members of IBEW LU 380, and their families.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$31,645,523$33,491,798▲ $1,846,275
Investments in Publicly Traded Securities$15,422,420$15,012,170▼ $410,250
Other Notes and Loans Receivable, Net$14,838,565$14,971,902▲ $133,337
Rtn Earn Endowment Incm Other Fnds$3,780,373$3,961,276▲ $180,903
Savings and Temporary Cash Investments$1,527,750$1,897,221▲ $369,471
Prepaid Expenses and Deferred Charges$37,474$41,581▲ $4,107
Cash and Non-Interest-Bearing Accounts$47,140$39,502▼ $7,638
Accounts Receivable$28,727$22,315▼ $6,412
Land, Buildings, and Equipment, Net$625$695▲ $70
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$35,509,965$37,515,278▲ $2,005,313
Other Assets Total$3,607,264$5,529,892▲ $1,922,628
Liabilities
Accounts Payable and Accrued Expenses$75,586$57,459▼ $18,127
Other Liabilities$8,483$4,745▼ $3,738
Total Liabilities$84,069$62,204▼ $21,865
Net Assets / Fund Balance
Total Net Assets Fund Balance$35,425,896$37,453,074▲ $2,027,178
Total Liabilities and Net Assets / Fund Balance$35,509,965$37,515,278▲ $2,005,313

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$695$45,896$0
Leasehold Improvements$0$0$0
Other Assets Org$29,932--
Compensation and Service Providers
Top Officer Pay74th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brian C BischofCEOFT$118,040$32,060$150,100
John A Keslick SrPresidentPT$12,302$1,353$13,655

Board Members and Trustees

NameTitle
Jere D ReedingerVice President
Eugene StewartDirector
John D SilvestreSecretary
Michael E DepaoliTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$933,058
Investment Income
$627,865
Other Revenue
$4,265
Change in Net Assets
$180,903
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,041,937
Salaries, Compensation, and Employee Benefits$342,348
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$688,025
Current Officers, Directors, Trustees, and Key Employees---$163,756
Other Salaries and Wages---$142,235
Office Expenses---$111,405
Information Technology---$87,324
Occupancy---$26,880
Payroll Taxes---$21,628
Other Expenses---$20,000
Pension Plan Contributions---$14,729
Fees for Services Management---$13,300
Insurance---$12,015
All Other Expenses---$9,980
Payments to Affiliates---$8,361
Fees for Services Accounting---$7,669
Fees for Service Investment Mgmnt Fees---$6,889
Conferences and Meetings---$5,847
Fees for Services Other---$4,246
Advertising---$2,572
Depreciation Depletion---$1,379
Total Functional Expenses$0$0$0$1,384,285
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
Federal Withholding Taxes from IRAs$3,803
Local Taxes Payable$895
State Unemployment Taxes Payable$47
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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 is owned by its members and each member is represented by one equal vote”

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

“Each member has one equal vote and through an election process the members of the board of directors are elected to three year terms on a rotating basis. In any one year, no more than two members of the board are up for election.”

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

“As explained in 7a, each member has one equal vote in the election process and each member has one equal vote for certain decisions made by the board of directors, i.e. changes to the bylaws.”

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

“Form 990 is prepared by the CEO and made available for review to each member of the board of directors before filing.”

Form 990, Part VI, Section C, Line 19

“Governing documents and financial statements are made available to our members for review upon request at the office of the credit union. Our Bylaws are given to each new member of the credit union at the time they become a member.”

Filing and Contact Details

Filer

Filer Name
Affiliated Trades Credit Union
EIN
23-7347818
Phone
6104890161
Address
3900 Ridge Pike, Collegeville, PA 19426

Signing Officer

Name
Brian Bischof
Title
CEO
Phone
6104890161
Signed
2025-11-04

Organization Details

Principal Officer
Brian Bischof
Formed
1974
Legal Domicile
Pa
Voting Board Members
5
Independent Board Members
5
Employees
5
Volunteers
5
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Changes in net assets other than revenue less expenses is attributed to members net deposits into their share accounts, share draft accounts, money markets, and/or share certificates over the past year. In 2024, those deposits increased by $1,846,275.”

Raw XML AppendixShowing 400 of 441 raw XML fields

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

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IRS990/Desc0Providing low interest loans to members. We loaned a total of $2.64 million to our membership in 2024 We have outstanding $15.077 million in loans to our membership at an average yield of 6.109%.
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IRS990/Form990PartVIISectionAGrp/PersonNm3Eugene Stewart
IRS990/Form990PartVIISectionAGrp/PersonNm4Michael E Depaoli
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IRS990/OtherRevenueMiscGrp/Desc0VIZO Member Incentive Credit
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt04265
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt04265
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueTotalAmt04265
IRS990/OtherSalariesAndWagesGrp/TotalAmt0142235
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt014838565
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt014971902
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt08361
IRS990/PayrollTaxesGrp/TotalAmt021628
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt014729
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt037474
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt041581
IRS990/PrincipalOfficerNm0Brian Bischof
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3522130
IRS990/ProgramServiceRevenueGrp/BusinessCd4522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Interchange Income
IRS990/ProgramServiceRevenueGrp/Desc2Fees and Charges
IRS990/ProgramServiceRevenueGrp/Desc3Certificate Early Withdrawal Penalties
IRS990/ProgramServiceRevenueGrp/Desc4Credit Disability/Life Insurance Reimbursement
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/ExclusionAmt40
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0875994
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt134613
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt219516
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt31601
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4734
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0875994
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt134613
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt219516
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31601
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4734
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt40
IRS990/ProgSrvcAccomActy2Grp/Desc0Providing financial services to members to promote financial responsibility and financial freedom. The credit union strives to provide access to funds with efficiency and convenience with minimal fees. As of December 31, 2024 we held $14.157 million in share certificates for our members with an average yield of 4.451%. Our members have an additional $19.335 million on deposit with our credit union in regular share accounts, money market accounts, share draft accounts, and IRAs.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0441637
IRS990/PYOtherExpensesAmt0733182
IRS990/PYOtherRevenueAmt02806
IRS990/PYProgramServiceRevenueAmt0847509
IRS990/PYRevenuesLessExpensesAmt0209165
IRS990/PYSalariesCompEmpBnftPaidAmt0349605
IRS990/PYTotalExpensesAmt01082787
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01291952
IRS990/ReconcilationRevenueExpnssAmt0180903
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03780373
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03961276
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01527750
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01897221
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0695
IRS990ScheduleD/EquipmentGrp/DepreciationAmt045896
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt046591
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt04675000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1304705
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2301800
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3117433
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt450042
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt550980
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt629932
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Direct Certificates of Deposits
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUA Share Insurance Fund Deposit
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2Certificate of Deposit with Corporate Credit Union
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3Perpetual Contributed Capital with Corporate Credit Union
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4Accrued Income on Loans
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5Accrued Income on Investments
IRS990ScheduleD/OtherAssetsOrgGrp/Desc6Repossessed Automobiles
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03803
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1895
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt247
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal Withholding Taxes from IRAs
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Local Taxes Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2State Unemployment Taxes Payable
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0695
IRS990ScheduleD/TotalBookValueOtherAssetsAmt05529892
IRS990ScheduleD/TotalLiabilityAmt04745
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0118040
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt012984
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt019076
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Brian C Bischof
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0150100
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union is owned by its members and each member is represented by one equal vote
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Each member has one equal vote and through an election process the members of the board of directors are elected to three year terms on a rotating basis. In any one year, no more than two members of the board are up for election.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2As explained in 7a, each member has one equal vote in the election process and each member has one equal vote for certain decisions made by the board of directors, i.e. changes to the bylaws.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Form 990 is prepared by the CEO and made available for review to each member of the board of directors before filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Governing documents and financial statements are made available to our members for review upon request at the office of the credit union. Our Bylaws are given to each new member of the credit union at the time they become a member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Changes in net assets other than revenue less expenses is attributed to members net deposits into their share accounts, share draft accounts, money markets, and/or share certificates over the past year. In 2024, those deposits increased by $1,846,275.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt035509965
IRS990/TotalAssetsEOYAmt037515278
IRS990/TotalAssetsGrp/BOYAmt035509965
IRS990/TotalAssetsGrp/EOYAmt037515278
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01384285
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt084069
IRS990/TotalLiabilitiesEOYAmt062204
IRS990/TotalLiabilitiesGrp/BOYAmt084069
IRS990/TotalLiabilitiesGrp/EOYAmt062204
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt035425896
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt037453074
IRS990/TotalOtherCompensationAmt033414
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0600
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0600
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00

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