Civic Intelligence

Butler Armco Employees Credit Union

990 • Fiscal year 2019 • EIN 25-1113410

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 02, 2020

Organization ProfileWWW.BAECU.COM

View Organization Page

101 Hollywood Drive PO Box 1589Butler, PA 16003-1589

(724) 284-2020

Siviq Scores

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

Liabilities / Assets

11th percentile

0.84x

Higher debt load relative to assets than 11% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

83rd percentile

19.72x

Higher debt load relative to revenue than 83% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

88th percentile

23%

Higher net margin than 88% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

17th percentile

$282,915

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

45th percentile

5.8%

Faster asset growth than 45% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

69th percentile

12%

Faster revenue growth than 69% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$365,917,704

Up $20,087,224 (+5.8%) from 2018

Net Assets

Up

$57,967,530

Up $3,663,995 (+6.7%) from 2018

Liabilities

Up

$307,950,174

Up $16,423,229 (+5.6%) from 2018

Revenue And Expenses
Liabilities / Revenue83rd percentileNet Margin88th percentile

Revenue

Up

$15,615,293

Up $1,672,881 (+12%) from 2018

Expenses

Up

$11,951,298

Up $1,453,935 (+14%) from 2018

Net Income

Up

$3,663,995

Up $218,946 (+6.4%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth45th percentile

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

$800M$600M$400M$200M$0Assets 2010: $245,091,970Liabilities 2010: $212,423,207Net Assets 2010: $32,668,7632010Assets 2011: $259,112,780Liabilities 2011: $224,003,808Net Assets 2011: $35,108,9722011Assets 2012: $273,070,134Liabilities 2012: $235,481,175Net Assets 2012: $37,588,9592012Assets 2013: $279,174,913Liabilities 2013: $238,984,918Net Assets 2013: $40,189,9952013Assets 2014: $290,658,932Liabilities 2014: $247,918,821Net Assets 2014: $42,740,1112014Assets 2015: $305,841,270Liabilities 2015: $260,080,581Net Assets 2015: $45,760,6892015Assets 2016: $321,147,923Liabilities 2016: $272,896,453Net Assets 2016: $48,251,4702016Assets 2018: $345,830,480Liabilities 2018: $291,526,945Net Assets 2018: $54,303,5352018Assets 2019: $365,917,704Liabilities 2019: $307,950,174Net Assets 2019: $57,967,5302019Assets 2020: $437,480,820Liabilities 2020: $378,553,691Net Assets 2020: $58,927,1292020Assets 2021: $508,350,519Liabilities 2021: $445,571,294Net Assets 2021: $62,779,2252021Assets 2022: $531,376,072Liabilities 2022: $461,947,422Net Assets 2022: $69,428,6502022Assets 2024: $617,085,524Liabilities 2024: $535,598,261Net Assets 2024: $81,487,2632024

Highlighted filing

2019

Assets$365,917,704
Liabilities$307,950,174
Net Assets$57,967,530
Open 2019 Filing

Operations Trend

Revenue Growth69th percentile

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

$40M$30M$20M$10M$0Expenses 2010: $7,819,6582010Expenses 2011: $7,454,2272011Expenses 2012: $7,289,1892012Revenue 2013: $9,563,540Expenses 2013: $6,962,504Net Income 2013: $2,601,0362013Revenue 2014: $9,787,522Expenses 2014: $7,515,160Net Income 2014: $2,272,3622014Revenue 2015: $10,382,551Expenses 2015: $8,156,383Net Income 2015: $2,226,1682015Revenue 2016: $11,115,586Expenses 2016: $8,624,803Net Income 2016: $2,490,7832016Revenue 2018: $13,942,412Expenses 2018: $10,497,363Net Income 2018: $3,445,0492018Revenue 2019: $15,615,293Expenses 2019: $11,951,298Net Income 2019: $3,663,9952019Revenue 2020: $15,023,965Expenses 2020: $14,064,366Net Income 2020: $959,5992020Revenue 2021: $16,699,090Expenses 2021: $12,846,994Net Income 2021: $3,852,0962021Revenue 2022: $20,970,795Expenses 2022: $14,321,370Net Income 2022: $6,649,4252022Revenue 2024: $31,751,506Expenses 2024: $24,543,471Net Income 2024: $7,208,0352024

Highlighted filing

2019

Revenue$15,615,293
Expenses$11,951,298
Net Income$3,663,995
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 2, 2020
Return Version
2019v5.1
Gross Receipts
$15,615,293
Mission and Program Overview

Mission

The credit union is an assocation of members dedicated to servicing members' financial needs through the provision of savings accounts, loans, and other financial services.

The credit union is an association of members dedicated to servicing members'financial needs through the provision of savings accounts, loans, and other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$239,766,078$273,573,824▲ $33,807,746
Savings and Temporary Cash Investments$89,008,163$66,181,956▼ $22,826,207
Rtn Earn Endowment Incm Other Fnds$54,303,535$57,967,530▲ $3,663,995
Land, Buildings, and Equipment, Net$6,387,964$8,177,254▲ $1,789,290
Cash and Non-Interest-Bearing Accounts$2,988,326$3,442,885▲ $454,559
Accounts Receivable$497,094$2,623,452▲ $2,126,358
Investments Other Securities$1,887,952$1,921,594▲ $33,642
Prepaid Expenses and Deferred Charges$280,438$381,433▲ $100,995
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$345,830,480$365,917,704▲ $20,087,224
Other Assets Total$5,014,465$9,615,306▲ $4,600,841
Liabilities
Other Liabilities$289,800,136$306,071,022▲ $16,270,886
Accounts Payable and Accrued Expenses$841,809$994,152▲ $152,343
Deferred Revenue$885,000$885,000→ $0
Total Liabilities$291,526,945$307,950,174▲ $16,423,229
Net Assets / Fund Balance
Total Net Assets Fund Balance$54,303,535$57,967,530▲ $3,663,995
Total Liabilities and Net Assets / Fund Balance$345,830,480$365,917,704▲ $20,087,224

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,247,092$2,811,409$8,058,501
Equipment$457,334$1,893,731$2,351,065
Land$2,188,120-$2,188,120
Other Land Buildings$284,708$1,052,612$1,337,320
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Randall W CypherCEOFT$221,838$61,077$282,915
Dennis FehlExecutive Vice PresidentFT$125,619$46,650$172,269

Board Members and Trustees

NameTitle
James a HraboskyPresident of the Board
Ralph BooselPresident of the Board (thru Nov 2019)
John D Gibson JrVice President
David E HilliardBoard Member
Deborah J RoginskiBoard Member
Debra a MonteleoneBoard Member
Lori E AltmanBoard Member
Robert L ClouseBoard Member
Victoria HinterbergerBoard Member
David R BacherTreasurer/secretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & Associates INCComputer SoftwarePO BOX 609, Monett, MO 65708$482,941
DieboldAtm ServicesPO BOX 643543, Pittsburgh, PA 15264$191,649
Pinnacle Data Systems LLCIt ServicesPO BOX 102017, Birmingham, AL 35210$163,597
AbrigoComputer SoftwarePO BOX 677883, Dallas, TX 75267$159,135
Financial Dimensions INCAppraisal Services7025 CLAIRTON RD, West Mifflin, PA 15122$142,867
Revenue and Support

Revenue Composition

Contributions and Grants
$2,213
Program Service Revenue
$14,092,195
Investment Income
$1,506,234
Other Revenue
$14,651
Change in Net Assets
$3,663,995

Audited Revenue Reconciliation

Revenue per Audited Statements
$15,613,080
Revenue Not Reported on Financial Statements
$2,213
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$2,213
Total Revenue per Audited Statements
$15,613,080
Total Revenue per Form 990
$15,615,293
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,793,602
Salaries, Compensation, and Employee Benefits$5,157,696
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,130,150
Interest---$1,682,709
Fees for Services Other---$901,182
Other Employee Benefits---$892,749
Information Technology---$612,758
Current Officers, Directors, Trustees, and Key Employees---$455,184
Pension Plan Contributions---$386,157
Depreciation Depletion---$340,619
Occupancy---$318,553
Payroll Taxes---$293,456
Other Expenses---$286,783
All Other Expenses---$197,283
Office Expenses---$147,880
Advertising---$102,513
Fees for Services Legal---$62,039
Insurance---$61,142
Fees for Services Accounting---$44,177
Conferences and Meetings---$8,157
Total Functional Expenses$0$0$0$11,951,298

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$11,951,298
Expenses per Audited Statements$10,872,215
Total Expenses per Audited Statements$10,872,215
Expenses Not Reported on Financial Statements$1,079,083
Other Expense Adjustments$1,079,083
Expenses Not Reported on Form 990$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
MEMBERS' SHARES$305,916,404
Accrued Dividends Payable$154,618
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
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 2

“Board members ralph l. Boosel and lori e. Altman are uncle and niece.”

Form 990, Part VI, Section A, Line 6

“The credit union is a not-for-profit financial cooperative, owned completely by our members.”

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

“The members of the credit union elect the board of directors, credit committee, and supervisory committee each year at the credit union's annual meeting.”

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

“The members of the credit union have the right to approve decisions of the organization, such as approval of the governing body's election.”

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

“Once the 990 is complete, it will be presented to the board of directors at their next regularly scheduled monthly meeting.”

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

“As a potential conflict of interest comes to our attention, it is discussed at the board of directors meeting.”

Form 990, Part VI, Section B, Line 15

“An independent consulting firm is used, hr value group, to provide the board with pay ranges for similar financial institutions for all of our paid positions, including the ceo and other management positions. The board discusses and votes on the pay of the ceo and executive vice president which is documented in the board minutes. Second level management pay and all other staff are set within pay ranges approved by the board and a total dollar amount approved by the board.”

Form 990, Part VI, Section C, Line 19

“Documents are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Armco Credit Union
EIN
25-1113410
Phone
7242842020
Address
101 HOLLYWOOD DRIVE PO BOX 1589, BUTLER, PA 16003-1589

Signing Officer

Name
Randall W Cypher
Title
CEO
Phone
7242842020
Signed
2020-04-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Randall W Cypher
Formed
1935
Legal Domicile
Pa
Voting Board Members
9
Independent Board Members
9
Employees
86
Volunteers
15

Preparer

Firm
MAHER DUESSEL CPA'S
Address
503 MARTINDALE STREET SUITE 600, PITTSBURGH, PA 15212
Preparer
Timothy J Morgus
Phone
4124715500
Supplemental Narrative

Financial Statement Notes

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“MEMBERSHIP FEES 2,213.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Net change in net pension asset/liab. Reported in other comprehensive income 1,079,083.”

Schedule D, Part XI, Line 4B

“Part xi - line 4b - other revenue the credit union received $2,213 in member fees during the year which are included on the audited financial statements as part of the organization's regular reserve member's equity accounts. In addition, the credit union reported a change in the net pension liability of the organization totaling $-1,079,083, which is included on the audited financial statements as part of the organization's accumulated other comprehensive income (loss) equity account.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT OF THE BOARD (THRU NOV 2019)
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8TREASURER/SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11EXECUTIVE VICE PRESIDENT
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IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt015615293
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0612758
IRS990/InsuranceGrp/TotalAmt061142
IRS990/InterestGrp/TotalAmt01682709
IRS990/InvestmentIncomeGrp/ExclusionAmt01506234
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01506234
IRS990/InvestmentInJointVentureInd00
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IRS990/MissionDesc0THE CREDIT UNION IS AN ASSOCIATION OF MEMBERS DEDICATED TO SERVICING MEMBERS' FINANCIAL NEEDS THROUGH THE PROVISION OF SAVINGS ACCOUNTS, LOANS, AND OTHER FINANCIAL SERVICES.
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IRS990/OfficeExpensesGrp/TotalAmt0147880
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05014465
IRS990/OtherAssetsTotalGrp/EOYAmt09615306
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0892749
IRS990/OtherExpensesGrp/Desc0AMORTIZATION OF PENSION
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt01079083
IRS990/OtherExpensesGrp/TotalAmt1622699
IRS990/OtherExpensesGrp/TotalAmt2326025
IRS990/OtherExpensesGrp/TotalAmt3286783
IRS990/OtherLiabilitiesGrp/BOYAmt0289800136
IRS990/OtherLiabilitiesGrp/EOYAmt0306071022
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0NON-MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt014651
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt014651
IRS990/OtherRevenueTotalAmt014651
IRS990/OtherSalariesAndWagesGrp/TotalAmt03130150
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0239766078
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0273573824
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0293456
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0386157
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0280438
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0381433
IRS990/PrincipalOfficerNm0RANDALL W CYPHER
IRS990/ProfessionalFundraisingInd00
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IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2INSURANCE
IRS990/ProgramServiceRevenueGrp/Desc3SERVICE INCOME ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt010676757
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12157269
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2699776
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3558393
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt010676757
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12157269
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2699776
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3558393
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt02027
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01615928
IRS990/PYOtherExpensesAmt05803982
IRS990/PYOtherRevenueAmt0119887
IRS990/PYProgramServiceRevenueAmt012204570
IRS990/PYRevenuesLessExpensesAmt03445049
IRS990/PYSalariesCompEmpBnftPaidAmt04693381
IRS990/PYTotalExpensesAmt010497363
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt013942412
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt03663995
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt014092195
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt054303535
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt057967530
IRS990/SavingsAndTempCashInvstGrp/BOYAmt089008163
IRS990/SavingsAndTempCashInvstGrp/EOYAmt066181956
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt05247092
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02811409
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08058501
IRS990ScheduleD/EquipmentGrp/BookValueAmt0457334
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01893731
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02351065
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt01079083
IRS990ScheduleD/ExpensesSubtotalAmt010872215
IRS990ScheduleD/LandGrp/BookValueAmt02188120
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02188120
IRS990ScheduleD/OtherExpensesNotIncludedAmt01079083
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0284708
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt01052612
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01337320
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0305916404
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1154618
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED DIVIDENDS PAYABLE
IRS990ScheduleD/OtherRevenuesNotIncludedAmt02213
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt02213
IRS990ScheduleD/RevenueSubtotalAmt015613080
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MEMBERSHIP FEES 2,213.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1NET CHANGE IN NET PENSION ASSET/LIAB. REPORTED IN OTHER COMPREHENSIVE INCOME 1,079,083.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2PART XI - LINE 4B - OTHER REVENUE THE CREDIT UNION RECEIVED $2,213 IN MEMBER FEES DURING THE YEAR WHICH ARE INCLUDED ON THE AUDITED FINANCIAL STATEMENTS AS PART OF THE ORGANIZATION'S REGULAR RESERVE MEMBER'S EQUITY ACCOUNTS. IN ADDITION, THE CREDIT UNION REPORTED A CHANGE IN THE NET PENSION LIABILITY OF THE ORGANIZATION TOTALING $-1,079,083, WHICH IS INCLUDED ON THE AUDITED FINANCIAL STATEMENTS AS PART OF THE ORGANIZATION'S ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) EQUITY ACCOUNT.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2SCHEDULE D, PART XI, LINE 4B
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IRS990ScheduleD/TotalExpensesPerForm990Amt011951298
IRS990ScheduleD/TotalLiabilityAmt0306071022
IRS990ScheduleD/TotalRevenuePerForm990Amt015615293
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt015613080
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt010872215
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IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0221838
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1125619
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount05377
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount13064
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt031308
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt117743
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt020100
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt123333
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt04292
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt12510
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RANDALL W CYPHER

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$365,917,704
Liabilities
$307,950,174
Net assets
$57,967,530
Revenue
$15,615,293
Expenses
$11,951,298
Net income
$3,663,995
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$617$536$81.5$31.8$24.5$7.21
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$531$462$69.4$21.0$14.3$6.65
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$508$446$62.8$16.7$12.8$3.85
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$437$379$58.9$15.0$14.1$0.96
2019Detailed filing. Detailed filing data is available for this year.$366$308$58.0$15.6$12.0$3.66
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$346$292$54.3$13.9$10.5$3.45
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$321$273$48.3$11.1$8.62$2.49
2015Detailed filing. Detailed filing data is available for this year.$306$260$45.8$10.4$8.16$2.23
2014Detailed filing. Detailed filing data is available for this year.$291$248$42.7$9.79$7.52$2.27
2013Detailed filing. Detailed filing data is available for this year.$279$239$40.2$9.56$6.96$2.60
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$273$235$37.6$7.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$259$224$35.1$7.45
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$245$212$32.7$7.82
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2019 filings • 501(c)14 • $250M-$1B nonprofits