Civic Intelligence

Members Choice Financial Credit Union

990 • Fiscal year 2015 • EIN 24-0823199

Jan 01, 2015 to Dec 31, 2015 • Filed on Aug 05, 2016

Organization ProfileWWW.MCFCU.ORG

View Organization Page

230 Walnut StreetDanville, PA 17821

(570) 275-6155

Siviq Scores

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

Liabilities / Assets

78th percentile

0.91x

Higher debt load relative to assets than 78% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

75th percentile

21.40x

Higher debt load relative to revenue than 75% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

37th percentile

8.7%

Higher net margin than 37% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

43rd percentile

$186,859

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2015

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2015

Balance Sheet
Liabilities / Assets78th percentile

Assets

$128,958,814

No earlier filing loaded for comparison.

Net Assets

$11,362,084

No earlier filing loaded for comparison.

Liabilities

$117,596,730

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue75th percentileNet Margin37th percentile

Revenue

$5,496,271

No earlier filing loaded for comparison.

Expenses

$5,020,491

No earlier filing loaded for comparison.

Net Income

$475,780

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$200M$150M$100M$50M$0Assets 2015: $128,958,814Liabilities 2015: $117,596,730Net Assets 2015: $11,362,0842015Assets 2016: $142,126,555Liabilities 2016: $130,616,305Net Assets 2016: $11,510,2502016Assets 2017: $145,803,137Liabilities 2017: $133,786,930Net Assets 2017: $12,016,2072017Assets 2018: $151,872,558Liabilities 2018: $139,205,644Net Assets 2018: $12,666,9142018Assets 2019: $156,984,854Liabilities 2019: $142,338,248Net Assets 2019: $14,646,6062019Assets 2020: $183,106,209Liabilities 2020: $166,725,625Net Assets 2020: $16,380,5842020

Highlighted filing

2015

Assets$128,958,814
Liabilities$117,596,730
Net Assets$11,362,084
Open 2015 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$10M$5.0M$0Revenue 2015: $5,496,271Expenses 2015: $5,020,491Net Income 2015: $475,7802015Revenue 2016: $5,936,355Expenses 2016: $5,807,381Net Income 2016: $128,9742016Revenue 2017: $6,475,220Expenses 2017: $5,974,166Net Income 2017: $501,0542017Revenue 2018: $7,297,337Expenses 2018: $6,403,884Net Income 2018: $893,4532018Revenue 2019: $8,094,858Expenses 2019: $6,489,731Net Income 2019: $1,605,1272019Revenue 2020: $7,482,196Expenses 2020: $6,250,676Net Income 2020: $1,231,5202020

Highlighted filing

2015

Revenue$5,496,271
Expenses$5,020,491
Net Income$475,780
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 5, 2016
Return Version
2015v2.1
Gross Receipts
$7,318,966
Mission and Program Overview

Mission

Our credit union is a member owned not for profit financial cooperative with the mission of promoting thrift and providing access to credit. Specifically we have underserved designations within our charter to extend our services to the underbanked.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$85,356,292$97,355,110▲ $11,998,818
Investments in Publicly Traded Securities$26,688,845$18,098,477▼ $8,590,368
Rtn Earn Endowment Incm Other Fnds$10,781,306$11,362,084▲ $580,778
Savings and Temporary Cash Investments$4,700,112$5,014,066▲ $313,954
Land, Buildings, and Equipment, Net$3,538,433$3,548,327▲ $9,894
Cash and Non-Interest-Bearing Accounts$1,179,842$1,304,156▲ $124,314
Accounts Receivable$352,533$325,889▼ $26,644
Total Assets$124,684,393$128,958,814▲ $4,274,421
Other Assets Total$2,868,336$3,312,789▲ $444,453
Liabilities
Other Liabilities$112,823,428$116,558,990▲ $3,735,562
Accounts Payable and Accrued Expenses$1,079,659$1,037,740▼ $41,919
Total Liabilities$113,903,087$117,596,730▲ $3,693,643
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,781,306$11,362,084▲ $580,778
Total Liabilities and Net Assets / Fund Balance$124,684,393$128,958,814▲ $4,274,421

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,007,735$701,661$2,709,396
Equipment$381,585$1,051,887$1,433,472
Land$692,986-$692,986
Leasehold Improvements$390,259$138,534$528,793
Other Land Buildings$75,762$132,341$208,103
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James M BarbarichCEOFT$172,967$13,892$186,859
Jean D MillerCFOFT$75,558$19,018$94,576

Board Members and Trustees

NameTitle
Mary FasanoBoard Chairp
John Packer SrBoard Member
Lindsey MarolfBoard Member
Richard KnouseBoard Member
Christine HaririanBoard Secret
Dale MoyerBoard Treasu
Matthew HoegerBoard Vice-c

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & Associates INCIt Svcs663 W HWY 60, PO BOX 807, Monett, MO 65708$198,004
Rw ConstructionConstruction500 CHURCH ST, Danville, PA 17821$133,692
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,997,601
Investment Income
$368,968
Other Revenue
$129,702
Change in Net Assets
$475,780

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,496,271
Revenue Not Reported on Form 990
$104,998
Total Revenue per Audited Statements
$5,601,269
Total Revenue per Form 990
$5,496,271
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,002,475
Salaries, Compensation, and Employee Benefits$2,018,016
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,256,075--$1,256,075
Interest$848,742--$848,742
Office Expenses$678,349--$678,349
Current Officers, Directors, Trustees, and Key Employees$276,639--$276,639
Information Technology$267,834--$267,834
Depreciation Depletion$227,944--$227,944
Other Employee Benefits$227,507--$227,507
Advertising$195,757--$195,757
Occupancy$137,370--$137,370
Pension Plan Contributions$131,249--$131,249
Payroll Taxes$126,546--$126,546
Fees for Services Accounting$48,000--$48,000
Insurance$46,896--$46,896
Travel$28,160--$28,160
Fees for Services Other$15,210--$15,210
Conferences and Meetings$10,288--$10,288
Other Expenses$5,476--$5,476
All Other Expenses$5,129--$5,129
Fees for Services Legal$1,025--$1,025
Total Functional Expenses$5,020,491$0$0$5,020,491

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,020,491
Total Expenses per Audited Statements$5,020,491
Total Expenses per Form 990$5,020,491
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
Regular Shares$41,874,647
Certificates$38,173,920
Share Drafts$17,085,171
Money Market Shares$15,987,609
Ira$2,477,769
Health Savings Accounts$691,863
Club Shares$268,011
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by its 11,315 members. Membership is open to anyone who lives, works, or worships in bloomsburg, berwick, mount carmel, or mahoning township in danville, pa.”

Form 990, Page 6, Part VI, Line 7A

“The credit union has a single class of members each of whom has a single vote in the election of members to the credit union's board of directors.”

Form 990, Page 6, Part VI, Line 7B

“The credit union's members must approve: -changes to the credit union's charter, articles and bylaws. -the merger of the credit union. -the dissolution or conversion of the credit union.”

Form 990, Page 6, Part VI, Line 11B

“The credit union management team reviews the return prior to submission.”

Form 990, Page 6, Part VI, Line 12C

“The credit union annually reviews conflict of interest disclosure to ensure compliance with the policy.”

Form 990, Page 6, Part VI, Line 15A

“The ceo, executive director, and top management official compensation is determined by market rate analysis, approved by the compensation committee of the board and then the full board.”

Form 990, Page 6, Part VI, Line 15B

“An annual performance review is conducted. This is presented to the employee where they are encouranged to comment. All jobs are rated and given a grade. Based on the grade we establish a market range. Performance, tenure in job, education requirements for the job, and accomplishments are factored together to determine the salary paid. These numbers are subject to budget approval.”

Form 990, Page 6, Part VI, Line 19

“Financial statements are posted in the credit union's lobby and call reports containing financial information are posted on ncua.gov. Governing documents and conflict of interest policies are available upon request.”

Filing and Contact Details

Filer

Filer Name
Members Choice Financial
EIN
24-0823199
Phone
5702756155
Address
230 WALNUT STREET, DANVILLE, PA 17821

Signing Officer

Name
James M Barbarich
Title
CEO
Phone
5702756155
Signed
2016-08-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James M Barbarich
Formed
1954
Legal Domicile
Pa
Voting Board Members
7
Independent Board Members
7
Employees
55
Volunteers
9

Preparer

Firm
Padden Guerrini & Associates Pc
Address
91 CUMBERLAND PARKWAY, MECHANICSBURG, PA 17055-5676
Preparer
Frederick a Tabor
Phone
7177909333
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“To provide low interest loans and financial products to members.”

Raw XML AppendixShowing 400 of 448 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/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc3ATM OPERATIONS EXPENSE
IRS990/OtherExpensesGrp/ProgramServicesAmt0310953
IRS990/OtherExpensesGrp/ProgramServicesAmt191124
IRS990/OtherExpensesGrp/ProgramServicesAmt284218
IRS990/OtherExpensesGrp/ProgramServicesAmt35476
IRS990/OtherExpensesGrp/TotalAmt0310953
IRS990/OtherExpensesGrp/TotalAmt191124
IRS990/OtherExpensesGrp/TotalAmt284218
IRS990/OtherExpensesGrp/TotalAmt35476
IRS990/OtherLiabilitiesGrp/BOYAmt0112823428
IRS990/OtherLiabilitiesGrp/EOYAmt0116558990
IRS990/OtherRevenueMiscGrp/Desc0MISC INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt017273
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt017273
IRS990/OtherRevenueTotalAmt017273
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01256075
IRS990/OtherSalariesAndWagesGrp/TotalAmt01256075
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt085356292
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt097355110
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt0126546
IRS990/PayrollTaxesGrp/TotalAmt0126546
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0131249
IRS990/PensionPlanContributionsGrp/TotalAmt0131249
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0JAMES M BARBARICH
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522298
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2ELECTRONIC CARD SERVICES
IRS990/ProgramServiceRevenueGrp/Desc3NON-MEMBER ATM SURCHARGE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04152475
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1746431
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt292374
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04152475
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1746431
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt292374
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt36321
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt06321
IRS990/ProgSrvcAccomActyOtherGrp/Desc0TO PROVIDE LOW INTEREST LOANS AND FINANCIAL PRODUCTS TO MEMBERS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0533778
IRS990/PYOtherExpensesAmt02921831
IRS990/PYOtherRevenueAmt0170801
IRS990/PYProgramServiceRevenueAmt04580767
IRS990/PYRevenuesLessExpensesAmt0393062
IRS990/PYSalariesCompEmpBnftPaidAmt01970453
IRS990/PYTotalExpensesAmt04892284
IRS990/PYTotalRevenueAmt05285346
IRS990/ReconcilationRevenueExpnssAmt0475780
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt0100000
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt012429
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt012429
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010781306
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt011362084
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04700112
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05014066
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt02007735
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0701661
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02709396
IRS990ScheduleD/EquipmentGrp/BookValueAmt0381585
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01051887
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01433472
IRS990ScheduleD/ExpensesSubtotalAmt05020491
IRS990ScheduleD/LandGrp/BookValueAmt0692986
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0692986
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0390259
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0138534
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0528793
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0104998
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt075762
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0132341
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0208103
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt041874647
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt138173920
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt217085171
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt315987609
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt42477769
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5691863
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt6268011
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MONEY MARKET SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5HEALTH SAVINGS ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6CLUB SHARES
IRS990ScheduleD/RevenueNotReportedAmt0104998
IRS990ScheduleD/RevenueSubtotalAmt05496271
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03548327
IRS990ScheduleD/TotalExpensesPerForm990Amt05020491
IRS990ScheduleD/TotalLiabilityAmt0116558990
IRS990ScheduleD/TotalRevenuePerForm990Amt05496271
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt05601269
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt05020491
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0172967
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt04796
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt09096
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JAMES M BARBARICH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0186859
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0JAMES M BARBARICH 0 16,000 0
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PAGE 1, PART I, LINE 4
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO PROVIDE LOW INTEREST LOANS AND FINANCIAL PRODUCTS TO MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS OWNED BY ITS 11,315 MEMBERS. MEMBERSHIP IS OPEN TO ANYONE WHO LIVES, WORKS, OR WORSHIPS IN BLOOMSBURG, BERWICK, MOUNT CARMEL, OR MAHONING TOWNSHIP IN DANVILLE, PA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS EACH OF WHOM HAS A SINGLE VOTE IN THE ELECTION OF MEMBERS TO THE CREDIT UNION'S BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION'S MEMBERS MUST APPROVE: -CHANGES TO THE CREDIT UNION'S CHARTER, ARTICLES AND BYLAWS. -THE MERGER OF THE CREDIT UNION. -THE DISSOLUTION OR CONVERSION OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION MANAGEMENT TEAM REVIEWS THE RETURN PRIOR TO SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION ANNUALLY REVIEWS CONFLICT OF INTEREST DISCLOSURE TO ENSURE COMPLIANCE WITH THE POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CEO, EXECUTIVE DIRECTOR, AND TOP MANAGEMENT OFFICIAL COMPENSATION IS DETERMINED BY MARKET RATE ANALYSIS, APPROVED BY THE COMPENSATION COMMITTEE OF THE BOARD AND THEN THE FULL BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7AN ANNUAL PERFORMANCE REVIEW IS CONDUCTED. THIS IS PRESENTED TO THE EMPLOYEE WHERE THEY ARE ENCOURANGED TO COMMENT. ALL JOBS ARE RATED AND GIVEN A GRADE. BASED ON THE GRADE WE ESTABLISH A MARKET RANGE. PERFORMANCE, TENURE IN JOB, EDUCATION REQUIREMENTS FOR THE JOB, AND ACCOMPLISHMENTS ARE FACTORED TOGETHER TO DETERMINE THE SALARY PAID. THESE NUMBERS ARE SUBJECT TO BUDGET APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION'S LOBBY AND CALL REPORTS CONTAINING FINANCIAL INFORMATION ARE POSTED ON NCUA.GOV. GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0124684393
IRS990/TotalAssetsEOYAmt0128958814
IRS990/TotalAssetsGrp/BOYAmt0124684393
IRS990/TotalAssetsGrp/EOYAmt0128958814
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt055
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt05020491
IRS990/TotalFunctionalExpensesGrp/TotalAmt05020491
IRS990/TotalGrossUBIAmt06321
IRS990/TotalLiabilitiesBOYAmt0113903087
IRS990/TotalLiabilitiesEOYAmt0117596730
IRS990/TotalLiabilitiesGrp/BOYAmt0113903087
IRS990/TotalLiabilitiesGrp/EOYAmt0117596730
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt010781306
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt011362084
IRS990/TotalOtherCompensationAmt032910
IRS990/TotalProgramServiceRevenueAmt04997601
IRS990/TotalReportableCompFromOrgAmt0248525
IRS990/TotalRevenueGrp/ExclusionAmt0381397

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$128,958,814
Liabilities
$117,596,730
Net assets
$11,362,084
Revenue
$5,496,271
Expenses
$5,020,491
Net income
$475,780
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$183$167$16.4$7.48$6.25$1.23
2019Detailed filing. Detailed filing data is available for this year.$157$142$14.6$8.09$6.49$1.61
2018Detailed filing. Detailed filing data is available for this year.$152$139$12.7$7.30$6.40$0.89
2017Detailed filing. Detailed filing data is available for this year.$146$134$12.0$6.48$5.97$0.50
2016Detailed filing. Detailed filing data is available for this year.$142$131$11.5$5.94$5.81$0.13
2015Detailed filing. Detailed filing data is available for this year.$129$118$11.4$5.50$5.02$0.48