Civic Intelligence

993 Freedom First Credit Union Inc

EIN 31-0645425 • 501(c)14 • Dayton, OH

Profile

Freedom 1st Credit Union, Inc. as a member owned and directed financial institution is dedicated to serving the present and future financial needs of our members, through cost effective financial services consistent with co-operative principles, applicable legislation and sound management.

1645 Webster StreetDayton, OH 45404-1135

freedom1stcu.com

Siviq Scores

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

Liabilities / Assets

90th percentile

0.92x

Higher debt load relative to assets than 90% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2022

Liabilities / Revenue

93rd percentile

22.79x

Higher debt load relative to revenue than 93% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2022

Net Margin

46th percentile

11%

Higher net margin than 46% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2022

Top Officer Pay

14th percentile

$105,132

Higher top officer pay than 14% of similar nonprofits.

Top officer pay equals 4.7% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2022

Asset Growth

50th percentile

1.6%

Faster asset growth than 50% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2022

Revenue Growth

59th percentile

13%

Faster revenue growth than 59% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$55,919,313

Up $874,057 (+1.6%) from 2021

Liabilities

Up

$51,304,179

Up $629,391 (+1.2%) from 2021

Net Assets

Up

$4,615,134

Up $244,666 (+5.6%) from 2021

Operations
Liabilities / Revenue93rd percentileNet Margin46th percentile

Revenue

Up

$2,251,439

Up $250,879 (+13%) from 2021

Expenses

Up

$2,006,773

Up $226,438 (+13%) from 2021

Net Income

Up

$244,666

Up $24,441 (+11%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth50th percentile

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

$60M$40M$20M$0Assets 2010: $20,180,128Liabilities 2010: $18,031,695Net Assets 2010: $2,148,4332010Assets 2011: $22,973,082Liabilities 2011: $20,776,656Net Assets 2011: $2,196,4262011Assets 2012: $25,199,111Liabilities 2012: $22,872,931Net Assets 2012: $2,326,1802012Assets 2013: $26,895,561Liabilities 2013: $24,377,744Net Assets 2013: $2,517,8172013Assets 2014: $28,916,776Liabilities 2014: $26,200,997Net Assets 2014: $2,715,7792014Assets 2015: $31,761,463Liabilities 2015: $28,854,419Net Assets 2015: $2,907,0442015Assets 2016: $33,285,992Liabilities 2016: $30,103,301Net Assets 2016: $3,182,6912016Assets 2017: $34,700,773Liabilities 2017: $31,485,898Net Assets 2017: $3,214,8752017Assets 2018: $36,383,322Liabilities 2018: $32,866,358Net Assets 2018: $3,516,9642018Assets 2019: $37,331,087Liabilities 2019: $33,413,096Net Assets 2019: $3,917,9912019Assets 2020: $50,405,240Liabilities 2020: $46,254,997Net Assets 2020: $4,150,2432020Assets 2021: $55,045,256Liabilities 2021: $50,674,788Net Assets 2021: $4,370,4682021Assets 2022: $55,919,313Liabilities 2022: $51,304,179Net Assets 2022: $4,615,1342022

Highlighted filing

2022

Assets$55,919,313
Liabilities$51,304,179
Net Assets$4,615,134
Open 2022 Filing

Operations Trend

Revenue Growth59th percentile

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

$3.0M$2.0M$1.0M$0Expenses 2010: $1,180,8252010Expenses 2011: $1,279,2722011Expenses 2012: $1,258,8812012Revenue 2013: $1,470,258Expenses 2013: $1,278,621Net Income 2013: $191,6372013Revenue 2014: $1,481,526Expenses 2014: $1,283,564Net Income 2014: $197,9622014Revenue 2015: $1,548,021Expenses 2015: $1,356,756Net Income 2015: $191,2652015Revenue 2016: $1,670,480Expenses 2016: $1,394,833Net Income 2016: $275,6472016Revenue 2017: $1,712,250Expenses 2017: $1,680,066Net Income 2017: $32,1842017Revenue 2018: $1,902,986Expenses 2018: $1,600,897Net Income 2018: $302,0892018Revenue 2019: $2,141,969Expenses 2019: $1,740,942Net Income 2019: $401,0272019Revenue 2020: $2,027,220Expenses 2020: $1,794,662Net Income 2020: $232,5582020Revenue 2021: $2,000,560Expenses 2021: $1,780,335Net Income 2021: $220,2252021Revenue 2022: $2,251,439Expenses 2022: $2,006,773Net Income 2022: $244,6662022

Highlighted filing

2022

Revenue$2,251,439
Expenses$2,006,773
Net Income$244,666
Open 2022 Filing

Filings

Most recent year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$55,919,313
Liabilities
$51,304,179
Net assets
$4,615,134
Revenue
$2,251,439
Expenses
$2,006,773
Net income
$244,666
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$55.9$51.3$4.62$2.25$2.01$0.24
2021Detailed filing. Detailed filing data is available for this year.$55.0$50.7$4.37$2.00$1.78$0.22
2020Detailed filing. Detailed filing data is available for this year.$50.4$46.3$4.15$2.03$1.79$0.23
2019Detailed filing. Detailed filing data is available for this year.$37.3$33.4$3.92$2.14$1.74$0.40
2018Detailed filing. Detailed filing data is available for this year.$36.4$32.9$3.52$1.90$1.60$0.30
2017Detailed filing. Detailed filing data is available for this year.$34.7$31.5$3.21$1.71$1.68$0.03
2016Detailed filing. Detailed filing data is available for this year.$33.3$30.1$3.18$1.67$1.39$0.28
2015Detailed filing. Detailed filing data is available for this year.$31.8$28.9$2.91$1.55$1.36$0.19
2014Detailed filing. Detailed filing data is available for this year.$28.9$26.2$2.72$1.48$1.28$0.20
2013Detailed filing. Detailed filing data is available for this year.$26.9$24.4$2.52$1.47$1.28$0.19
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.2$22.9$2.33$1.26
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.0$20.8$2.20$1.28
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.2$18.0$2.15$1.18
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
May 12, 2023
Return Version
2022v5.0
Gross Receipts
$2,251,439
Mission and Program Overview

Mission

Freedom 1st Credit Union, Inc. as a member owned and directed financial institution is dedicated to serving the present and future financial needs of our members, through cost effective financial services consistent with co-operative principles, applicable legislation and sound management.

Freedom 1st Credit Union, Inc. as a member owned and directed financial institution is dedicated to serving the present and future needs of our members, through cost effective financial services consistent with co-operative principles, applicable legislation and sound management.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$25,756,689$30,280,284▲ $4,523,595
Savings and Temporary Cash Investments$21,173,371$14,226,204▼ $6,947,167
Rtn Earn Endowment Incm Other Fnds$4,370,468$4,615,134▲ $244,666
Land, Buildings, and Equipment, Net$2,102,939$2,063,154▼ $39,785
Cash and Non-Interest-Bearing Accounts$1,620,582$1,416,298▼ $204,284
Investments Program Related$392,217$392,217→ $0
Receivables From Officers Etc$88,704$0▼ $88,704
Prepaid Expenses and Deferred Charges$49,315$38,111▼ $11,204
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0--
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$55,045,256$55,919,313▲ $874,057
Other Assets Total$3,861,439$7,503,045▲ $3,641,606
Liabilities
Other Liabilities$49,756,661$50,053,983▲ $297,322
Accounts Payable and Accrued Expenses$918,127$1,250,196▲ $332,069
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$50,674,788$51,304,179▲ $629,391
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,370,468$4,615,134▲ $244,666
Total Liabilities and Net Assets / Fund Balance$55,045,256$55,919,313▲ $874,057

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$946,067$455,271$1,401,338
Land$647,682-$647,682
Leasehold Improvements$195,920$202,558$398,478
Equipment$273,485$79,200$352,685
Other Land Buildings$0$0$0
Other Assets Org$45,000--
Compensation and Service Providers
Top Officer Pay14th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Deborah DeVousCEOFT$105,132$105,132

Board Members and Trustees

NameTitle
Chad RotherBoard Chairperson
Chelsea M HoelzleBoard Vice Chairperson
Charlene NuseBoard Secretary
Jennie KaltenbackBoard Treasurer
Shari L FowlerDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,906,695
Investment Income
$325,031
Other Revenue
$19,713
Change in Net Assets
$244,666

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,251,439
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$2,251,439
Total Revenue per Form 990
$2,251,439
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,176,552
Salaries, Compensation, and Employee Benefits$830,221
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$729,847
Information Technology---$412,318
Office Expenses---$166,065
Depreciation Depletion---$114,614
Occupancy---$100,368
Interest---$66,495
Payroll Taxes---$57,379
Advertising---$45,518
Fees for Services Accounting---$37,326
Insurance---$36,355
Pension Plan Contributions---$35,413
Fees for Services Legal---$20,194
Other Expenses---$12,530
All Other Expenses---$11,030
Other Employee Benefits---$7,582
Conferences and Meetings---$4,000
Fees for Services Other---$2,435
Total Functional Expenses$0$0$0$2,006,773

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,006,773
Total Expenses per Audited Statements$2,006,773
Total Expenses per Form 990$2,006,773
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$88,704$0▼ $88,704
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$25,471,046
Money Market Shares$10,617,394
Share Drafts$9,590,971
Share Certificates$1,711,651
IRA Accounts$1,354,256
All Other Shares$1,308,665
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 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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Each individual who qualifies under field of membership criteria and that has a credit union share account is a member of the state-chartered credit union. The credit union is comprised of a single class of approximately 7,717 member-owners. Each member has equal rights in ownership, governance and voting rights at the annual meeting.”

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

“The board of directors is elected by the member-owners of the credit union at the annual meeting. The board is elected for three-year terms on a rotating basis. Candidates are elected by a simple plurality vote.”

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

“Forms 990, 990-T and the related schedules are reviewed by the CEO prior to submission. The board of directors is informed of the filing and the forms are available for review upon request.”

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

“The board members are required to disclose any potential conflict of interest. Each member signs a Conflict of Interest statement annually after the annual meeting.”

Form 990, Part VI, Section B, Line 15

“The CEO's compensation is reviewed and approved by the board of directors annually. The compensation for the CEO is based on credit union industry surveys. Employees' compensation is reviewed annually and is based on NAFCU salary surveys, local phone surveys and union negotiations. The compensation is within the budget guidelines established by the board of directors.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents, financial statements and Conflict of Interest Policy can be reviewed by appointment at the credit union office during posted business hours. The credit union's monthly financial statements are posted in the lobby of the main office and each branch office. The credit union's NCUA 5300 Call Reports is available online at https://www.ncua.gov.”

Filing and Contact Details

Filer

Filer Name
993 Freedom First Credit Union Inc
EIN
31-0645425
Phone
9372232828
Address
1645 Webster Street, Dayton, OH 45404-1135

Signing Officer

Name
Deborah A DeVous
Title
CEO
Phone
9372232828
Signed
2023-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Chad Rother
Formed
1961
Legal Domicile
Oh
Voting Board Members
5
Independent Board Members
5
Employees
21
Volunteers
7

Preparer

Firm
Stoodt's Accounting & Auditing Services
Address
2713 Township Road 182, Bellefontaine, OH 43311
Preparer
Carol Stoodt
Phone
9379353811
Raw XML AppendixShowing 400 of 506 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/Desc0Loan products offered by the credit union includes unsecured loans, new & used vehicle loans, recreational vehicle loans, and share secured loans. The credit union granted 901 loans in 2022 totaling $17,827,716 at competitive loan rates. Loans increased 17.00 percent in 2022.
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IRS990/InterestGrp/TotalAmt066495
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0325031
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0325031
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0392217
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0392217
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt01300
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0737029
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02102939
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02063154
IRS990/LandBldgEquipCostOrOtherBssAmt02800183
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt04851
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt04851
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0Freedom 1st Credit Union, Inc. as a member owned and directed financial institution is dedicated to serving the present and future financial needs of our members, through cost effective financial services consistent with co-operative principles, applicable legislation and sound management.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt04370468
IRS990/NetAssetsOrFundBalancesEOYAmt04615134
IRS990/NetUnrelatedBusTxblIncmAmt012583
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0100368
IRS990/OfficeExpensesGrp/TotalAmt0166065
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03861439
IRS990/OtherAssetsTotalGrp/EOYAmt07503045
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt07582
IRS990/OtherExpensesGrp/Desc0ATM/Draft/ACH Expense
IRS990/OtherExpensesGrp/Desc1Account Losses/Fraud Expenses
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expense
IRS990/OtherExpensesGrp/Desc3Supervisory Fee
IRS990/OtherExpensesGrp/TotalAmt080028
IRS990/OtherExpensesGrp/TotalAmt135950
IRS990/OtherExpensesGrp/TotalAmt231326
IRS990/OtherExpensesGrp/TotalAmt312530
IRS990/OtherLiabilitiesGrp/BOYAmt049756661
IRS990/OtherLiabilitiesGrp/EOYAmt050053983
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0Insurance Income
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01801
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt014862
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt013061
IRS990/OtherRevenueTotalAmt019713
IRS990/OtherSalariesAndWagesGrp/TotalAmt0729847
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt025756689
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt030280284
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt057379
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt035413
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt049315
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt038111
IRS990/PrincipalOfficerNm0Chad Rother
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/BusinessCd4900099
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1ODP Income
IRS990/ProgramServiceRevenueGrp/Desc2ATM/Debit & Credit Card/Share Draft/ACH Income
IRS990/ProgramServiceRevenueGrp/Desc3Loan Fee Income
IRS990/ProgramServiceRevenueGrp/Desc4Misc Fees & Charges
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/ExclusionAmt40
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01171044
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1322970
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2248324
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3133183
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt424274
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01171044
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1322970
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2252001
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3133183
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt424274
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt23677
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt40
IRS990/ProgSrvcAccomActy2Grp/Desc0The credit union services their 7,717 members by providing deposit services including regular share and club accounts, share draft accounts, money market shares, share certificates and IRA accounts. Shares increased 0.60 percent in 2022. The credit union started Remote Deposit Capture in 2022.
IRS990/ProgSrvcAccomActy3Grp/Desc0The credit union paid competitive dividends in 2022 on the 9,408 share accounts, money market shares, share certificates and IRA accounts held by the credit union's 7,717 members.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0216016
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01003074
IRS990/PYOtherRevenueAmt019071
IRS990/PYProgramServiceRevenueAmt01765473
IRS990/PYRevenuesLessExpensesAmt0220225
IRS990/PYSalariesCompEmpBnftPaidAmt0777261
IRS990/PYTotalExpensesAmt01780335
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02000560
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt088704
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0244666
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04370468
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04615134
IRS990/SavingsAndTempCashInvstGrp/BOYAmt021173371
IRS990/SavingsAndTempCashInvstGrp/EOYAmt014226204
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0946067
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0455271
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01401338
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0273485
IRS990ScheduleD/EquipmentGrp/DepreciationAmt079200
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0352685
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02006773
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0647682
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0647682
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0195920
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0202558
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0398478
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt04350000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt12463841
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2501831
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3142373
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt445000
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Certificate of Deposits
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1New York Life Insurance
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2NCUSIF Capitalization
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3Accrued Interest Receivable
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4COCC Stock
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt025471046
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt110617394
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt29590971
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31711651
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41354256
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt51308665
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Money Market Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Share Drafts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5All Other Shares
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02251439
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02063154
IRS990ScheduleD/TotalBookValueOtherAssetsAmt07503045
IRS990ScheduleD/TotalExpensesPerForm990Amt02006773
IRS990ScheduleD/TotalLiabilityAmt050053983
IRS990ScheduleD/TotalRevenuePerForm990Amt02251439
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02251439
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02006773
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Each individual who qualifies under field of membership criteria and that has a credit union share account is a member of the state-chartered credit union. The credit union is comprised of a single class of approximately 7,717 member-owners. Each member has equal rights in ownership, governance and voting rights at the annual meeting.

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