Civic Intelligence

Chaco Credit Union Inc

EIN 31-0935997 • 501(c)14 • Hamilton, OH

View Organization Page

Profile

To efficiently provide personal financial services of a superior quality to the members/owners of this credit union - always considering their financial well being.

100 S Third StreetHamilton, OH 45011

www.chacocu.org

Siviq Scores

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

Liabilities / Assets

85th percentile

0.92x

Higher debt load relative to assets than 85% of similar nonprofits.

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

Liabilities / Revenue

75th percentile

17.30x

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

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

Net Margin

19th percentile

3.9%

Higher net margin than 19% of similar nonprofits.

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

Top Officer Pay

31st percentile

$196,399

Higher top officer pay than 31% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

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

Asset Growth

50th percentile

2.7%

Faster asset growth than 50% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

11th percentile

1.9%

Faster revenue growth than 11% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$178,647,110

Up $4,724,019 (+2.7%) from 2014

Liabilities

Up

$164,024,914

Up $4,320,342 (+2.7%) from 2014

Net Assets

Up

$14,622,196

Up $403,677 (+2.8%) from 2014

Operations
Liabilities / Revenue75th percentileNet Margin19th percentile

Revenue

Up

$9,480,607

Up $179,024 (+1.9%) from 2014

Expenses

Up

$9,111,738

Up $29,227 (+0.3%) from 2014

Net Income

Up

$368,869

Up $149,797 (+68%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth50th percentile

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

$200M$150M$100M$50M$0Assets 2010: $149,363,311Liabilities 2010: $135,855,955Net Assets 2010: $13,507,3562010Assets 2011: $159,502,939Liabilities 2011: $145,936,050Net Assets 2011: $13,566,8892011Assets 2012: $170,049,386Liabilities 2012: $156,161,014Net Assets 2012: $13,888,3722012Assets 2013: $172,613,626Liabilities 2013: $158,756,217Net Assets 2013: $13,857,4092013Assets 2014: $173,923,091Liabilities 2014: $159,704,572Net Assets 2014: $14,218,5192014Assets 2015: $178,647,110Liabilities 2015: $164,024,914Net Assets 2015: $14,622,1962015

Highlighted filing

2015

Assets$178,647,110
Liabilities$164,024,914
Net Assets$14,622,196
Open 2015 Filing

Operations Trend

Revenue Growth11th percentile

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

$15M$10M$5.0M$0Expenses 2010: $11,092,3522010Expenses 2011: $10,438,1702011Expenses 2012: $9,527,4762012Revenue 2013: $9,201,960Expenses 2013: $9,027,031Net Income 2013: $174,9292013Revenue 2014: $9,301,583Expenses 2014: $9,082,511Net Income 2014: $219,0722014Revenue 2015: $9,480,607Expenses 2015: $9,111,738Net Income 2015: $368,8692015

Highlighted filing

2015

Revenue$9,480,607
Expenses$9,111,738
Net Income$368,869
Open 2015 Filing

Filings

Most recent year

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

Open filing
Assets
$178,647,110
Liabilities
$164,024,914
Net assets
$14,622,196
Revenue
$9,480,607
Expenses
$9,111,738
Net income
$368,869
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$179$164$14.6$9.48$9.11$0.37
2014Detailed filing. Detailed filing data is available for this year.$174$160$14.2$9.30$9.08$0.22
2013Detailed filing. Detailed filing data is available for this year.$173$159$13.9$9.20$9.03$0.17
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$170$156$13.9$9.53
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$160$146$13.6$10.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$149$136$13.5$11.1
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 13, 2016
Return Version
2015v2.1
Gross Receipts
$11,305,855
Mission and Program Overview

Mission

To efficiently provide personal financial services of a superior quality to the members/owners of this credit union - always considering their financial well being.

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$139,107,382$142,955,233▲ $3,847,851
Investments Other Securities$21,289,850$19,186,224▼ $2,103,626
Rtn Earn Endowment Incm Other Fnds$14,218,519$14,622,196▲ $403,677
Investments Program Related$4,957,293$8,293,203▲ $3,335,910
Land, Buildings, and Equipment, Net$2,876,230$2,972,728▲ $96,498
Cash and Non-Interest-Bearing Accounts$2,483,856$2,288,025▼ $195,831
Accounts Receivable$440,959$1,759,338▲ $1,318,379
Prepaid Expenses and Deferred Charges$356,769$234,921▼ $121,848
Receivables From Officers Etc$13,725$22,560▲ $8,835
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Savings and Temporary Cash Investments$-218,699$-1,355,116▼ $1,136,417
Total Assets$173,923,091$178,647,110▲ $4,724,019
Other Assets Total$2,615,726$2,289,994▼ $325,732
Liabilities
Other Liabilities$156,235,222$160,170,134▲ $3,934,912
Mortgage Notes Payable Secured by Investment Property$3,000,000$3,000,000→ $0
Accounts Payable and Accrued Expenses$469,350$854,780▲ $385,430
Total Liabilities$159,704,572$164,024,914▲ $4,320,342
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,218,519$14,622,196▲ $403,677
Total Liabilities and Net Assets / Fund Balance$173,923,091$178,647,110▲ $4,724,019

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$434,160$2,931,276$3,365,436
Buildings$1,187,488$2,014,005$3,201,493
Land$1,062,751-$1,062,751
Leasehold Improvements$39,380$350,789$390,169
Other Land Buildings$248,949$0$248,949
Other Securities$2,723,037--
Compensation and Service Providers
Top Officer Pay31st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James SchultheissPresident/CEOFT$165,368$31,031$196,399
Dan DailyEvpFT$105,770$15,940$121,710
George Gordon IVCFOFT$95,500$11,002$106,502

Board Members and Trustees

NameTitle
Jeff KenworthyChairperson
Scott MartinVice Chairperson
Dave BakerDirector
Jerry FlyrDirector
Mitch RhodusDirector
Paul LailDirector
James LynchDirector until 12/16/15
Denise HerrmannSecretary/Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,326,804
Investment Income
$153,803
Other Revenue
$0
Change in Net Assets
$368,869

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,550,256
Revenue Not Reported on Financial Statements
$-69,649
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-69,649
Total Revenue per Audited Statements
$9,550,256
Total Revenue per Form 990
$9,480,607
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,187,670
Salaries, Compensation, and Employee Benefits$3,924,068
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,818,999
Fees for Services Other---$1,334,160
Interest---$792,666
Office Expenses---$565,917
Occupancy---$544,030
Current Officers, Directors, Trustees, and Key Employees---$424,611
Depreciation Depletion---$337,985
Other Employee Benefits---$291,503
Payroll Taxes---$249,790
Advertising---$192,465
Information Technology---$171,940
Pension Plan Contributions---$139,165
Conferences and Meetings---$76,217
Insurance---$65,542
Other Expenses---$50,182
Fees for Services Legal---$49,146
Fees for Services Accounting---$47,097
All Other Expenses---$33,009
Travel---$4,546
Total Functional Expenses$0$0$0$9,111,738

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$9,181,387
Expenses per Audited Statements$9,111,738
Total Expenses per Form 990$9,111,738
Expenses Not Reported on Form 990$69,649
Expenses Not Reported on Financial Statements$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$13,725$22,560▲ $8,835
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$160,170,134
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
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

“Board Members are elected by democratic vote with three seats available on a rotating basis every year for three year appointments.”

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

“Mergers and By-Law changes require membership approval.”

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

“The Form 990 is reviewed by the CFO and President/CEO prior to filing.”

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

“Annual disclosure by management coupled with internal and external audit process.”

Form 990, Part VI, Section B, Line 15

“Compensation committee uses an independent consultant to determine President/CEO compensation which is approved by the Board. Other Employee compensation is determined by an independent consultant. Reviews were performed in 2015.”

Form 990, Part VI, Section C, Line 19

“The Credit Union's monthly financial statements are posted in the lobby. Other documents are available for review upon request.”

Filing and Contact Details

Filer

Filer Name
Chaco Credit Union Inc
EIN
31-0935997
Phone
5137853500
Address
100 S Third Street, Hamilton, OH 45011

Signing Officer

Name
James Schultheiss
Title
President/CEO
Phone
5137853500
Signed
2016-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Schultheiss
Formed
1938
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
75
Volunteers
8

Preparer

Firm
Cindrich Mahalak & Co
Address
31215 Jefferson Ave, St Clair Shores, MI 48082
Preparer
Denise Luckenbacher
Phone
5862961155
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Checkcard 527,238; ATM Processing 397,553; Other Professional Services 409,369”

Financial Statement Notes

Schedule D, Part XI, Line 4B

“Loss on Sale of OREOs included in Income on 990, Expense on Financial Statements -59,148; Loss on Sale of Securities included in Income on 990, Expense on Financial Statements -10,500; Rounding -1”

Schedule D, Part XII, Line 2D

“Loss on Sale on OREOs included in Income on 990, Expense on Financial Statements 59,148; Loss on Sale of Securities included in Income on 990, Expense on Financial Statements 10,500; Rounding 1”

Raw XML AppendixShowing 400 of 542 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/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt08389
IRS990/NetUnrlzdGainsLossesInvstAmt034808
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0544030
IRS990/OfficeExpensesGrp/TotalAmt0565917
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02615726
IRS990/OtherAssetsTotalGrp/EOYAmt02289994
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0291503
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2Misc Operating Expenses
IRS990/OtherExpensesGrp/Desc3Association Dues
IRS990/OtherExpensesGrp/TotalAmt0606390
IRS990/OtherExpensesGrp/TotalAmt1174050
IRS990/OtherExpensesGrp/TotalAmt2142328
IRS990/OtherExpensesGrp/TotalAmt350182
IRS990/OtherLiabilitiesGrp/BOYAmt0156235222
IRS990/OtherLiabilitiesGrp/EOYAmt0160170134
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt02818999
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0139107382
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0142955233
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0249790
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0139165
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0356769
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0234921
IRS990/PrincipalOfficerNm0James Schultheiss
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest
IRS990/ProgramServiceRevenueGrp/Desc1Fee and Other Operating Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06038101
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13077123
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06038101
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13288703
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1211580
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide 11,358 Mortgage, Vehicle, Real Estate, Business, Credit Card and Home Equity Loans.
IRS990/ProgSrvcAccomActy3Grp/Desc0Offer ATM, Debit Cards, Courtesy Pay, Wire Transfers, Travelers Checks, Money Orders, Home Banking, Safe Deposit Boxes, Insurance programs and Financial Planning to all eligible members.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0207671
IRS990/PYOtherExpensesAmt05462141
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt09093912
IRS990/PYRevenuesLessExpensesAmt0219072
IRS990/PYSalariesCompEmpBnftPaidAmt03620370
IRS990/PYTotalExpensesAmt09082511
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09301583
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt013725
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt022560
IRS990/ReconcilationRevenueExpnssAmt0368869
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014218519
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014622196
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0-218699
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0-1355116
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01187488
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02014005
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03201493
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0434160
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02931276
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03365436
IRS990ScheduleD/ExpensesNotReportedAmt069649
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt09111738
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt01062751
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01062751
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt039380
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0350789
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0390169
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt069649
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0248949
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0248949
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0160170134
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-69649
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt013748501
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1456300
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21008386
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt31250000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt42723037
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Certificates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/Desc1FHLB Stock
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CUSO Investment
IRS990ScheduleD/OtherSecuritiesGrp/Desc3US Agency Securities-HTM
IRS990ScheduleD/OtherSecuritiesGrp/Desc4US Agency Securities-AFS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4F
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-69649
IRS990ScheduleD/RevenueSubtotalAmt09550256
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Loss on Sale of OREOs included in Income on 990, Expense on Financial Statements -59,148; Loss on Sale of Securities included in Income on 990, Expense on Financial Statements -10,500; Rounding -1
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1Loss on Sale on OREOs included in Income on 990, Expense on Financial Statements 59,148; Loss on Sale of Securities included in Income on 990, Expense on Financial Statements 10,500; Rounding 1
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part XI, Line 4b
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Schedule D, Part XII, Line 2d
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02972728
IRS990ScheduleD/TotalBookValueSecuritiesAmt019186224
IRS990ScheduleD/TotalExpensesPerForm990Amt09111738
IRS990ScheduleD/TotalLiabilityAmt0160170134
IRS990ScheduleD/TotalRevenuePerForm990Amt09480607
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09550256
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt09181387
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0165368
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount011613
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt012078
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt07093
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0247
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0James Schultheiss
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0196399
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt04441
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt12381
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt23540
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt311061
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt41137
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01

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