Civic Intelligence

General Electric Credit Union

990 • Fiscal year 2016 • EIN 31-0568628

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 14, 2017

Organization Profilewww.gecreditunion.org

View Organization Page

10485 Reading RoadCincinnati, OH 45241

(513) 243-4328

Siviq Scores

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

Liabilities / Assets

76th percentile

0.91x

Higher debt load relative to assets than 76% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

92nd percentile

28.80x

Higher debt load relative to revenue than 92% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

76th percentile

23%

Higher net margin than 76% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

61st percentile

$981,742

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

98th percentile

23%

Faster asset growth than 98% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

90th percentile

17%

Faster revenue growth than 90% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$2,817,870,743

Up $522,830,493 (+23%) from 2015

Net Assets

Up

$253,265,757

Up $13,355,418 (+5.6%) from 2015

Liabilities

Up

$2,564,604,986

Up $509,475,075 (+25%) from 2015

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin76th percentile

Revenue

Up

$89,044,138

Up $12,716,634 (+17%) from 2015

Expenses

Up

$68,356,260

Up $8,027,693 (+13%) from 2015

Net Income

Up

$20,687,878

Up $4,688,941 (+29%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth98th percentile

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

$6.0B$4.0B$2.0B$0Assets 2010: $1,193,568,858Liabilities 2010: $1,039,801,071Net Assets 2010: $153,767,7872010Assets 2011: $1,391,726,502Liabilities 2011: $1,218,707,264Net Assets 2011: $173,019,2382011Assets 2012: $1,672,953,761Liabilities 2012: $1,477,204,096Net Assets 2012: $195,749,6652012Assets 2013: $1,912,336,209Liabilities 2013: $1,696,384,255Net Assets 2013: $215,951,9542013Assets 2014: $2,062,806,099Liabilities 2014: $1,838,463,568Net Assets 2014: $224,342,5312014Assets 2015: $2,295,040,250Liabilities 2015: $2,055,129,911Net Assets 2015: $239,910,3392015Assets 2016: $2,817,870,743Liabilities 2016: $2,564,604,986Net Assets 2016: $253,265,7572016Assets 2017: $2,795,896,170Liabilities 2017: $2,529,990,360Net Assets 2017: $265,905,8102017Assets 2018: $3,042,586,327Liabilities 2018: $2,762,788,128Net Assets 2018: $279,798,1992018Assets 2019: $3,361,431,298Liabilities 2019: $3,069,031,182Net Assets 2019: $292,400,1162019Assets 2020: $3,929,368,292Liabilities 2020: $3,623,151,840Net Assets 2020: $306,216,4522020Assets 2021: $3,900,460,857Liabilities 2021: $3,559,951,583Net Assets 2021: $340,509,2742021Assets 2022: $4,683,051,080Liabilities 2022: $4,364,458,764Net Assets 2022: $318,592,3162022Assets 2023: $5,102,489,836Liabilities 2023: $4,795,822,906Net Assets 2023: $306,666,9302023Assets 2024: $4,428,702,240Liabilities 2024: $4,133,103,718Net Assets 2024: $295,598,5222024

Highlighted filing

2016

Assets$2,817,870,743
Liabilities$2,564,604,986
Net Assets$253,265,757
Open 2016 Filing

Operations Trend

Revenue Growth90th percentile

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

$300M$200M$100M$0-$100MExpenses 2010: $44,203,5132010Expenses 2011: $42,963,6092011Expenses 2012: $44,369,2212012Revenue 2013: $70,598,856Expenses 2013: $49,726,824Net Income 2013: $20,872,0322013Revenue 2014: $71,393,909Expenses 2014: $62,670,510Net Income 2014: $8,723,3992014Revenue 2015: $76,327,504Expenses 2015: $60,328,567Net Income 2015: $15,998,9372015Revenue 2016: $89,044,138Expenses 2016: $68,356,260Net Income 2016: $20,687,8782016Revenue 2017: $103,256,310Expenses 2017: $91,267,800Net Income 2017: $11,988,5102017Revenue 2018: $112,722,712Expenses 2018: $98,877,223Net Income 2018: $13,845,4892018Revenue 2019: $133,308,285Expenses 2019: $120,970,081Net Income 2019: $12,338,2042019Revenue 2020: $143,747,706Expenses 2020: $131,444,654Net Income 2020: $12,303,0522020Revenue 2021: $159,064,150Expenses 2021: $119,288,060Net Income 2021: $39,776,0902021Revenue 2022: $167,594,908Expenses 2022: $134,004,722Net Income 2022: $33,590,1862022Revenue 2023: $238,144,145Expenses 2023: $246,606,321Net Income 2023: -$8,462,1762023Revenue 2024: $251,427,949Expenses 2024: $270,893,564Net Income 2024: -$19,465,6152024

Highlighted filing

2016

Revenue$89,044,138
Expenses$68,356,260
Net Income$20,687,878
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 14, 2017
Return Version
2016v3.0
Gross Receipts
$90,393,926
Mission and Program Overview

Mission

To provide quality member service. Financial services provided to members shall be in as wide a variety as possible and offered as conveniently as possible while emphasizing friendliness. Management shall work to further improve the overall financial condition of the Credit Union through continuation of sound asset/liability mangement.

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,072,642,950$2,542,772,370▲ $470,129,420
Rtn Earn Endowment Incm Other Fnds$239,910,339$253,265,757▲ $13,355,418
Investments Program Related$116,089,941$135,546,138▲ $19,456,197
Investments Other Securities$60,908,524$89,416,766▲ $28,508,242
Savings and Temporary Cash Investments$8,319,903$9,429,260▲ $1,109,357
Land, Buildings, and Equipment, Net$7,601,565$9,046,655▲ $1,445,090
Accounts Receivable$3,632,565$4,374,738▲ $742,173
Cash and Non-Interest-Bearing Accounts$4,299,759$2,933,807▼ $1,365,952
Prepaid Expenses and Deferred Charges$952,187$128,706▼ $823,481
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,295,040,250$2,817,870,743▲ $522,830,493
Other Assets Total$20,592,856$24,222,303▲ $3,629,447
Liabilities
Other Liabilities$2,025,084,365$2,363,303,049▲ $338,218,684
Mortgage Notes Payable Secured by Investment Property$9,234,535$175,000,000▲ $165,765,465
Accounts Payable and Accrued Expenses$20,811,011$26,301,937▲ $5,490,926
Total Liabilities$2,055,129,911$2,564,604,986▲ $509,475,075
Net Assets / Fund Balance
Total Net Assets Fund Balance$239,910,339$253,265,757▲ $13,355,418
Total Liabilities and Net Assets / Fund Balance$2,295,040,250$2,817,870,743▲ $522,830,493

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,861,289$3,309,553$10,170,842
Equipment$1,669,500$2,282,218$3,951,718
Land$457,743-$457,743
Leasehold Improvements$58,123$0$58,123
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Timothy D BallingerPresident/CEOFT$637,647$344,095$981,742
Donna MillerChief Operating OfficerFT$397,829$249,706$647,535
Joan E MooreChief Financial OfficerFT$311,725$192,615$504,340
Lisa HawkinsCorporate Bus Dev SpecialistFT$81,697$218,148$299,845
Neil PetersonDirector of Lending ServicesFT$160,836$107,605$268,441
Matthew DoleHuman Resources DirectorFT$137,068$100,230$237,298
Kevin RiedeDirector of ITFT$140,203$96,560$236,763
William MeyerMortgage ManagerFT$111,797$107,157$218,954
Jill LingoMarketing DirectorFT$119,811$76,658$196,469
Tina WanderOperations DirectorFT$98,888$70,415$169,303
Brian IrvineAssistant ComptrollerFT$101,166$60,338$161,504
Brian LucasComplianceFT$110,476$25,799$136,275
Ashley CunninghamBusiness Development/Member ServiceFT$101,216$30,924$132,140

Board Members and Trustees

NameTitle
Mary Cay VessellsChairperson
Michael JohnsonVice Chairperson
Cecil E NeffDirector
Cheryl HillDirector
John MacArthurDirector
Richard IlleDirector
Robert PeakDirector
Patrick L TaylorSecretary/Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Statman Harris and EyrichLegal3700 Carew Tower, 441 Vine St, Cincinnati, OH 45202$472,438
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$87,213,328
Investment Income
$1,823,273
Other Revenue
$7,537
Change in Net Assets
$20,687,878
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$53,761,170
Salaries, Compensation, and Employee Benefits$14,585,090
Grants and Similar Amounts Paid$10,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$28,130,827
Other Salaries and Wages---$6,842,280
Office Expenses---$4,711,548
Current Officers, Directors, Trustees, and Key Employees---$4,190,609
Other Employee Benefits---$2,785,266
Fees for Services Other---$1,618,088
Occupancy---$756,281
Payroll Taxes---$699,489
Advertising---$570,222
Depreciation Depletion---$517,943
Fees for Services Legal---$340,936
Insurance---$330,849
Fees for Services Accounting---$318,776
Other Expenses---$210,597
Conferences and Meetings---$123,415
Pension Plan Contributions---$67,446
Grants to Domestic Individuals---$10,000
Total Functional Expenses$0$0$0$68,356,260
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$2,363,303,049
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The Credit Union has a single class of members with equal rights of ownership, governance and voting.”

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

“The Board of Directors is elected by a membership ballot vote counted by a Certified Public Accounting firm. The results are announced at the Annual Meeting. Each member is elected for a three year term.”

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

“Credit Union decisions that are subject to membership approval are mergers and charter changes.”

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

“A review is conducted by the CFO, President/CEO and Human Resource Director prior to submission to the IRS. The returns are made available to the Board of Directors for review.”

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

“Employees and Board of Directors are required to disclose conflicts of interest when they occur. Compliance is enforced through the personnel policy.”

Form 990, Part VI, Section B, Line 15

“President/CEO evaluation is completed by Human Resources and a Compensation Committee made up of selected Board of Directors members. The evaluation is submitted to entire Board of Directors for review and approval. Salary increases are based on Credit Union performance and compensation/salary survey. Key Employees and CFO are evaluated by the President/CEO and Human Resources. Salary increases are approved by the President/CEO and submitted to the Executive Committee of the Board of Directors for review and approval. Employees are reviewed annually on their anniversary date.”

Form 990, Part VI, Section C, Line 19

“Financial Statements are posted in the Credit Union lobby. Other documents and policies are available for review upon request.”

Filing and Contact Details

Filer

Filer Name
General Electric Credit Union
EIN
31-0568628
Phone
5132434328
Address
10485 Reading Road, Cincinnati, OH 45241

Signing Officer

Name
Timothy D Ballinger
Title
President/CEO
Phone
5132434200
Signed
2017-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Timothy D Ballinger
Formed
1954
Legal Domicile
Oh
Voting Board Members
8
Independent Board Members
8
Employees
241
Volunteers
12

Preparer

Firm
Cindrich Mahalak & Co
Address
31215 Jefferson Ave, St Clair Shores, MI 48082
Preparer
Roy Griffor Jr
Phone
5862961155
Raw XML AppendixShowing 400 of 745 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/Form990PartVIISectionAGrp/PersonNm4Richard Ille
IRS990/Form990PartVIISectionAGrp/PersonNm5John MacArthur
IRS990/Form990PartVIISectionAGrp/PersonNm6Cecil E Neff
IRS990/Form990PartVIISectionAGrp/PersonNm7Robert Peak
IRS990/Form990PartVIISectionAGrp/PersonNm8Timothy D Ballinger
IRS990/Form990PartVIISectionAGrp/PersonNm9Joan E Moore
IRS990/Form990PartVIISectionAGrp/PersonNm10Donna Miller
IRS990/Form990PartVIISectionAGrp/PersonNm11Neil Peterson
IRS990/Form990PartVIISectionAGrp/PersonNm12Kevin Riede
IRS990/Form990PartVIISectionAGrp/PersonNm13Matthew Dole
IRS990/Form990PartVIISectionAGrp/PersonNm14Lisa Hawkins
IRS990/Form990PartVIISectionAGrp/PersonNm15Jill Lingo
IRS990/Form990PartVIISectionAGrp/PersonNm16William Meyer
IRS990/Form990PartVIISectionAGrp/PersonNm17Tina Wander
IRS990/Form990PartVIISectionAGrp/PersonNm18Brian Irvine
IRS990/Form990PartVIISectionAGrp/PersonNm19Ashley Cunningham
IRS990/Form990PartVIISectionAGrp/PersonNm20Brian Lucas
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20110476
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary/Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9Chief Financial Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt10Chief Operating Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director of Lending Services
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director of IT
IRS990/Form990PartVIISectionAGrp/TitleTxt13Human Resources Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Corporate Bus Dev Specialist
IRS990/Form990PartVIISectionAGrp/TitleTxt15Marketing Director
IRS990/Form990PartVIISectionAGrp/TitleTxt16Mortgage Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt17Operations Director
IRS990/Form990PartVIISectionAGrp/TitleTxt18Assistant Comptroller
IRS990/Form990PartVIISectionAGrp/TitleTxt19Business Development/Member Service
IRS990/Form990PartVIISectionAGrp/TitleTxt20Compliance
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0131396
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt010000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt01445184
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt090393926
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt043537
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt013
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt0330849
IRS990/InterestGrp/TotalAmt028130827
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01691877
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01691877
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt060908524
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt089416766
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0116089941
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0135546138
IRS990/IRPDocumentCnt030543
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05591771
IRS990/LandBldgEquipBasisNetGrp/BOYAmt07601565
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09046655
IRS990/LandBldgEquipCostOrOtherBssAmt014638426
IRS990/LegalDomicileStateCd0OH
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt01313788
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt036000
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To provide quality member service. Financial services provided to members shall be in as wide a variety as possible and offered as conveniently as possible while emphasizing friendliness. Management shall work to further improve the overall financial condition of the Credit Union through continuation of sound asset/liability mangement.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt09234535
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0175000000
IRS990/NetAssetsOrFundBalancesBOYAmt0239910339
IRS990/NetAssetsOrFundBalancesEOYAmt0253265757
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0131396
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0131396
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt07537
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt07537
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-17889
IRS990/NetUnrlzdGainsLossesInvstAmt0-551449
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0756281
IRS990/OfficeExpensesGrp/TotalAmt04711548
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt020592856
IRS990/OtherAssetsTotalGrp/EOYAmt024222303
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02785266
IRS990/OtherExpensesGrp/Desc0Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc1Loan Servicing
IRS990/OtherExpensesGrp/Desc2Miscellaneous Operating Expenses
IRS990/OtherExpensesGrp/Desc3Examination Fees & Association Dues
IRS990/OtherExpensesGrp/TotalAmt012405556
IRS990/OtherExpensesGrp/TotalAmt13324617
IRS990/OtherExpensesGrp/TotalAmt2401515
IRS990/OtherExpensesGrp/TotalAmt3210597
IRS990/OtherLiabilitiesGrp/BOYAmt02025084365
IRS990/OtherLiabilitiesGrp/EOYAmt02363303049
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt06842280
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt02072642950
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02542772370
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0699489
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt067446
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0952187
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0128706
IRS990/PrincipalOfficerNm0Timothy D Ballinger
IRS990/PriorPeriodAdjustmentsAmt0-6781011
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest Income
IRS990/ProgramServiceRevenueGrp/Desc1Fee/Other Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt071285733
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt115854927
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt071285733
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt115927595
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt172668
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide 138,300 loans including Personal, Vehicle, Line of Credit, First Mortgage, Education, Credit Card, Recreational Vehicle, Business, Indirect and Home Equity loans.
IRS990/ProgSrvcAccomActy3Grp/Desc0Offer Automated Teller Machines, Debit Cards, Money Orders, Travelers Checks, Bill Pay, Safe Deposit Boxes, Wire Transfers, Scholarships and various insurance programs.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt015000
IRS990/PYInvestmentIncomeAmt01599926
IRS990/PYOtherExpensesAmt046102345
IRS990/PYOtherRevenueAmt07537
IRS990/PYProgramServiceRevenueAmt074720041
IRS990/PYRevenuesLessExpensesAmt015998937
IRS990/PYSalariesCompEmpBnftPaidAmt014211222
IRS990/PYTotalExpensesAmt060328567
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt076327504
IRS990/ReconcilationRevenueExpnssAmt020687878
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt07537
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0239910339
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0253265757
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08319903
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09429260
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt06861289
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03309553
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt010170842
IRS990ScheduleD/EquipmentGrp/BookValueAmt01669500
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02282218
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03951718

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,817,870,743
Liabilities
$2,564,604,986
Net assets
$253,265,757
Revenue
$89,044,138
Expenses
$68,356,260
Net income
$20,687,878
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$4,429$4,133$296$251$271$19.5
2023Detailed filing. Detailed filing data is available for this year.$5,102$4,796$307$238$247$8.46
2022Detailed filing. Detailed filing data is available for this year.$4,683$4,364$319$168$134$33.6
2021Detailed filing. Detailed filing data is available for this year.$3,900$3,560$341$159$119$39.8
2020Detailed filing. Detailed filing data is available for this year.$3,929$3,623$306$144$131$12.3
2019Detailed filing. Detailed filing data is available for this year.$3,361$3,069$292$133$121$12.3
2018Detailed filing. Detailed filing data is available for this year.$3,043$2,763$280$113$98.9$13.8
2017Detailed filing. Detailed filing data is available for this year.$2,796$2,530$266$103$91.3$12.0
2016Detailed filing. Detailed filing data is available for this year.$2,818$2,565$253$89.0$68.4$20.7
2015Detailed filing. Detailed filing data is available for this year.$2,295$2,055$240$76.3$60.3$16.0
2014Detailed filing. Detailed filing data is available for this year.$2,063$1,838$224$71.4$62.7$8.72
2013Detailed filing. Detailed filing data is available for this year.$1,912$1,696$216$70.6$49.7$20.9
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,673$1,477$196$44.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,392$1,219$173$43.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,194$1,040$154$44.2