Civic Intelligence

Riverview Credit Union Inc

990 • Fiscal year 2016 • EIN 31-0741021

Jan 01, 2016 to Dec 31, 2016 • Filed on May 09, 2017

Organization ProfileWWW.RIVERVIEWCU.COM

View Organization Page

403 Main StreetBelpre, OH 45714

(740) 423-4260

Siviq Scores

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

Liabilities / Assets

20th percentile

0.85x

Higher debt load relative to assets than 20% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

69th percentile

21.83x

Higher debt load relative to revenue than 69% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

11th percentile

-2.0%

Higher net margin than 11% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

69th percentile

$160,094

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 7.2% of source-year revenue.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

96th percentile

14%

Faster asset growth than 96% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

54th percentile

4.5%

Faster revenue growth than 54% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets20th percentile

Assets

Up

$57,305,323

Up $7,040,533 (+14%) from 2015

Net Assets

Down

$8,808,953

Down $45,470 (-0.5%) from 2015

Liabilities

Up

$48,496,370

Up $7,086,003 (+17%) from 2015

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin11th percentile

Revenue

Up

$2,221,488

Up $95,202 (+4.5%) from 2015

Expenses

Up

$2,266,958

Up $214,654 (+10%) from 2015

Net Income

Down

-$45,470

Down $119,452 (-161%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth96th percentile

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

$80M$60M$40M$20M$0Assets 2010: $44,734,564Liabilities 2010: $36,486,014Net Assets 2010: $8,248,5502010Assets 2011: $48,279,359Liabilities 2011: $39,914,088Net Assets 2011: $8,365,2712011Assets 2012: $52,783,066Liabilities 2012: $44,340,204Net Assets 2012: $8,442,8622012Assets 2013: $52,557,880Liabilities 2013: $44,049,688Net Assets 2013: $8,508,1922013Assets 2014: $52,940,005Liabilities 2014: $44,159,564Net Assets 2014: $8,780,4412014Assets 2015: $50,264,790Liabilities 2015: $41,410,367Net Assets 2015: $8,854,4232015Assets 2016: $57,305,323Liabilities 2016: $48,496,370Net Assets 2016: $8,808,9532016Assets 2017: $62,324,586Liabilities 2017: $53,411,613Net Assets 2017: $8,912,9732017

Highlighted filing

2016

Assets$57,305,323
Liabilities$48,496,370
Net Assets$8,808,953
Open 2016 Filing

Operations Trend

Revenue Growth54th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,304,9092010Expenses 2011: $2,260,9352011Expenses 2012: $2,230,6472012Revenue 2013: $2,108,478Expenses 2013: $2,043,148Net Income 2013: $65,3302013Revenue 2014: $2,096,047Expenses 2014: $1,823,798Net Income 2014: $272,2492014Revenue 2015: $2,126,286Expenses 2015: $2,052,304Net Income 2015: $73,9822015Revenue 2016: $2,221,488Expenses 2016: $2,266,958Net Income 2016: -$45,4702016Revenue 2017: $2,691,291Expenses 2017: $2,587,271Net Income 2017: $104,0202017

Highlighted filing

2016

Revenue$2,221,488
Expenses$2,266,958
Net Income-$45,470
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 9, 2017
Return Version
2016v3.0
Gross Receipts
$2,221,488
Mission and Program Overview

Mission

Riverview credit union, inc. Is a financially sound member owned financial institution designed to deliver high quality personal service to meet the ongoing financial needs of its member owners.

Riverview credit union, inc. Is a financial institution cooperative credit union organized to provide loan and deposit products and services for its member owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$28,441,342$30,996,286▲ $2,554,944
Other Notes and Loans Receivable, Net$17,001,329$20,355,557▲ $3,354,228
Rtn Earn Endowment Incm Other Fnds$8,854,423$8,808,953▼ $45,470
Savings and Temporary Cash Investments$1,902,401$2,928,038▲ $1,025,637
Land, Buildings, and Equipment, Net$1,180,861$1,269,151▲ $88,290
Cash and Non-Interest-Bearing Accounts$1,170,243$1,125,015▼ $45,228
Prepaid Expenses and Deferred Charges$43,831$82,821▲ $38,990
Accounts Receivable$44$41▼ $3
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$50,264,790$57,305,323▲ $7,040,533
Other Assets Total$524,739$548,414▲ $23,675
Liabilities
Other Liabilities$40,814,204$47,845,342▲ $7,031,138
Accounts Payable and Accrued Expenses$596,163$651,028▲ $54,865
Total Liabilities$41,410,367$48,496,370▲ $7,086,003
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,854,423$8,808,953▼ $45,470
Total Liabilities and Net Assets / Fund Balance$50,264,790$57,305,323▲ $7,040,533

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$782,416$668,292$1,450,708
Equipment$160,072$642,498$802,570
Land$326,663-$326,663
Investment Program Related Org$358,423--
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael IaderosaChief Executive OfficerFT$77,812$82,282$160,094
Douglas AnkromChief Financial OfficerFT$68,183$33,333$101,516

Board Members and Trustees

NameTitle
Mark MinerdChairman of Board
John MatthewsVice Chairman of Board
Cecil BrownDirector
John BartenschlagDirector
Keith HoyDirector
W Layne MarksSecretary
Steve TompkinsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,743,572
Investment Income
$477,916
Other Revenue
$0
Change in Net Assets
$-45,470
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,326,514
Salaries, Compensation, and Employee Benefits$940,444
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$300,233$242,991-$543,224
Information Technology$205,395--$205,395
Interest$205,106--$205,106
Other Employee Benefits$132,535$48,998-$181,533
Current Officers, Directors, Trustees, and Key Employees-$145,995-$145,995
Depreciation Depletion$95,652$7,203-$102,855
Advertising$65,701--$65,701
Occupancy$56,320$6,258-$62,578
Office Expenses$59,443--$59,443
Payroll Taxes$40,476$14,965-$55,441
Fees for Services Accounting-$49,945-$49,945
Other Expenses$41,856--$41,856
Insurance$25,052--$25,052
Conferences and Meetings$12,973$6,542-$19,515
Fees for Services Management-$16,260-$16,260
Pension Plan Contributions$11,493$2,758-$14,251
All Other Expenses$9,483--$9,483
Total Functional Expenses$1,725,043$541,915$0$2,266,958
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 Share Savings$14,911,365
Members Money Market Savings$13,936,719
Member Share Certificates$6,890,762
Member Draft Checking$5,159,850
Fhlb Advances - Long Term$5,000,000
Members Ira Certificates$1,507,406
Member Ira Savings$428,423
Member Health Savings Accounts$10,817
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All credit unions by charter are member owned.”

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

“All of the governing body is elected by the membership.”

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

“The 990 is reviewed by management and the board of directors prior to submission.”

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

“The conflict of interest policy is reviewed by the employees and the board of directors annually.”

Form 990, Part VI, Section B, Line 15

“Compensation of key employees is approved by the board of directors, independent compensation surveys are utilized as a tool in setting compensation levels.”

Form 990, Part VI, Section C, Line 19

“The governing documents, conflict of interest policy and financial statements are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Riverview Credit Union Inc
EIN
31-0741021
Phone
7404234260
Address
403 MAIN STREET, BELPRE, OH 45714

Signing Officer

Name
Douglas Ankrom
Title
Chief Financial Officer
Phone
7404234260
Signed
2017-05-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Douglas Ankrom
Formed
1968
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
22
Volunteers
7

Preparer

Firm
Bober Markey Fedorovich & Company
Address
3421 RIDGEWOOD ROAD SUITE 300, AKRON, OH 44333
Preparer
James Bowen
Phone
3307629785
Raw XML AppendixShowing 400 of 489 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/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0913959
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1824009
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0913959
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1824009
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt25604
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt05604
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0433522
IRS990/PYOtherExpensesAmt01088389
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01692764
IRS990/PYRevenuesLessExpensesAmt073982
IRS990/PYSalariesCompEmpBnftPaidAmt0963915
IRS990/PYTotalExpensesAmt02052304
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02126286
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-45470
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt02215884
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08854423
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08808953
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01902401
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02928038
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0782416
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0668292
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01450708
IRS990ScheduleD/EquipmentGrp/BookValueAmt0160072
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0642498
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0802570
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt07777000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt13122346
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt219541119
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3197398
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4358423
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INSURED CERTIFICATES OF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CREDIT UNION OWNED LIFE INSURANCE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2MORTGAGE BACKED SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3STOCK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4OWNERSHIP CAPITAL IN CORPORATE CREDIT UNION
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/LandGrp/BookValueAmt0326663
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0326663
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt014911365
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt15159850
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2428423
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt313936719
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41507406
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt56890762
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt65000000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt710817
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARE SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBER DRAFT CHECKING
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MEMBER IRA SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MEMBERS MONEY MARKET SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4MEMBERS IRA CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5MEMBER SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6FHLB ADVANCES - LONG TERM
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7MEMBER HEALTH SAVINGS ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01269151
IRS990ScheduleD/TotalBookValueProgramRltdAmt030996286
IRS990ScheduleD/TotalLiabilityAmt047845342
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt077812
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt082282
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHAEL IADEROSA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CHIEF EXECUTIVE OFFICER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0160094
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt029022
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt17687
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt256501
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3765
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt49708
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt045145
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt115000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt256857
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt320000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt427558
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0DOUGLAS ANKROM
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1KEITH HOY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2MICHAEL IADEROSA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3W LAYNE MARKS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4MARK MINERD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0OFFICER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2OFFICER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd41
IRS990ScheduleL/TotalBalanceDueAmt0103683
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL CREDIT UNIONS BY CHARTER ARE MEMBER OWNED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL OF THE GOVERNING BODY IS ELECTED BY THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE 990 IS REVIEWED BY MANAGEMENT AND THE BOARD OF DIRECTORS PRIOR TO SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CONFLICT OF INTEREST POLICY IS REVIEWED BY THE EMPLOYEES AND THE BOARD OF DIRECTORS ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION OF KEY EMPLOYEES IS APPROVED BY THE BOARD OF DIRECTORS, INDEPENDENT COMPENSATION SURVEYS ARE UTILIZED AS A TOOL IN SETTING COMPENSATION LEVELS.

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Filings

Displayed year

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

Open filing
Assets
$57,305,323
Liabilities
$48,496,370
Net assets
$8,808,953
Revenue
$2,221,488
Expenses
$2,266,958
Net income
-$45,470
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$62.3$53.4$8.91$2.69$2.59$0.10
2016Detailed filing. Detailed filing data is available for this year.$57.3$48.5$8.81$2.22$2.27$0.05
2015Detailed filing. Detailed filing data is available for this year.$50.3$41.4$8.85$2.13$2.05$0.07
2014Detailed filing. Detailed filing data is available for this year.$52.9$44.2$8.78$2.10$1.82$0.27
2013Detailed filing. Detailed filing data is available for this year.$52.6$44.0$8.51$2.11$2.04$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.8$44.3$8.44$2.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.3$39.9$8.37$2.26
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.7$36.5$8.25$2.30