Liabilities / Assets
96th percentile
Higher debt load relative to assets than 96% of similar nonprofits.
Akron Fire Police Credit Union Inc
EIN 34-0057810 • 501(c)14 • Akron, OH
Profile
To provide lending, savings, and other financial services to its qualifying members at terms generally better than available in the marketplace and with a "service-based emphasis" that recognizes the members' status as "owners".
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.95x
Liabilities / Revenue
92nd percentile
Higher debt load relative to revenue than 92% of similar nonprofits.
Net Margin
19th percentile
Higher net margin than 19% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
95th percentile
Faster asset growth than 95% of similar nonprofits.
Revenue Growth
21st percentile
Faster revenue growth than 21% of similar nonprofits.
Balance Sheet
Assets
Down$36,367,547
Down $161,129 (-0.4%) from 2021
Liabilities
Down$34,245,058
Down $287,714 (-0.8%) from 2021
Net Assets
Up$2,122,489
Up $126,585 (+6.3%) from 2021
Revenue
Up$1,311,591
Up $200,231 (+18%) from 2021
Expenses
Up$1,185,006
Up $42,410 (+3.7%) from 2021
Net Income
Up$126,585
Up $157,821 (+505%) from 2021
Trend Graphs
Filings
Most recent year
2022 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $36,367,547
- Liabilities
- $34,245,058
- Net assets
- $2,122,489
- Revenue
- $1,311,591
- Expenses
- $1,185,006
- Net income
- $126,585
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2022 to Dec 31, 2022
- Signed
- Aug 21, 2023
- Return Version
- 2022v5.0
- Gross Receipts
- $1,311,591
Mission and Program Overview
Mission
To provide lending, savings, and other financial services to its qualifying members at terms generally better than available in the marketplace and with a "service-based emphasis" that recognizes the members' status as "owners".
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $16,257,064 | $19,007,503 | ▲ $2,750,439 |
| Investments Other Securities | $5,977,131 | $8,190,282 | ▲ $2,213,151 |
| Investments Program Related | $12,092,787 | $6,519,690 | ▼ $5,573,097 |
| Rtn Earn Endowment Incm Other Fnds | $1,995,904 | $2,122,489 | ▲ $126,585 |
| Cash and Non-Interest-Bearing Accounts | $1,211,451 | $1,393,379 | ▲ $181,928 |
| Land, Buildings, and Equipment, Net | $501,595 | $473,870 | ▼ $27,725 |
| Receivable From Disqualified Prsn | - | $126,346 | - |
| Receivables From Officers Etc | - | $82,612 | - |
| Prepaid Expenses and Deferred Charges | $70,637 | $58,641 | ▼ $11,996 |
| Accounts Receivable | $3,000 | $700 | ▼ $2,300 |
| Total Assets | $36,528,676 | $36,367,547 | ▼ $161,129 |
| Other Assets Total | $415,011 | $514,524 | ▲ $99,513 |
| Liabilities | |||
| Other Liabilities | $34,431,600 | $34,044,735 | ▼ $386,865 |
| Accounts Payable and Accrued Expenses | $101,172 | $200,323 | ▲ $99,151 |
| Total Liabilities | $34,532,772 | $34,245,058 | ▼ $287,714 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,995,904 | $2,122,489 | ▲ $126,585 |
| Total Liabilities and Net Assets / Fund Balance | $36,528,676 | $36,367,547 | ▼ $161,129 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $358,755 | $39,175 | $397,930 |
| Equipment | $45,726 | $117,420 | $163,146 |
| Land | $62,072 | - | $62,072 |
| Other Land Buildings | $7,317 | $2,158 | $9,475 |
| Investment Program Related Org | $296,214 | - | - |
| Other Securities | $8,190,282 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Doug Cincurak | CEO | FT | $36,923 | $36,923 |
Board Members and Trustees
| Name | Title |
|---|---|
| Richard Gleghorn | President |
| Agostino Micozzi | Director |
| Forrest Kappler | Director |
| Gerry Forney | Director |
| James Feeman | Director |
| Paul Amonett | Director |
| Kaitlin Kell | Secretary |
| Johnnie Player | Treasurer |
| Albert Smith | Vice Preside |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,142,026
- Investment Income
- $169,565
- Other Revenue
- $0
- Change in Net Assets
- $126,585
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $722,690 |
| Salaries, Compensation, and Employee Benefits | $459,505 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $364,010 |
| Fees for Services Other | - | - | - | $140,007 |
| Office Expenses | - | - | - | $81,485 |
| Advertising | - | - | - | $40,108 |
| Occupancy | - | - | - | $39,585 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $36,923 |
| All Other Expenses | - | - | - | $34,066 |
| Other Employee Benefits | - | - | - | $30,697 |
| Other Expenses | - | - | - | $30,168 |
| Payroll Taxes | - | - | - | $27,875 |
| Depreciation Depletion | - | - | - | $27,724 |
| Fees for Services Accounting | - | - | - | $21,779 |
| Fees for Services Legal | - | - | - | $5,301 |
| Conferences and Meetings | - | - | - | $3,500 |
| Benefits to Members | - | - | - | $2,811 |
| Total Functional Expenses | $0 | $0 | $0 | $1,185,006 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| 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 Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $126,346 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $82,612 | - |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| MEMBERS' SHARES AND SAVINGS ACCOUNTS | $34,044,735 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- 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
- No
- 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, Page 6, Part VI, Line 7A
“The member-owners of the credit union have the authority to elect the members of the board of directors. Candidates are elected by majority vote. The board of directors appoint volunteers to serve on the supervisory committee, which is vested with monitoring safety and soundness of the organization. If deemed appropriate, the supervisory committee can suspend board members and can call a special meeting of the membership to evaluate the issue and vote to either dismiss or reinstate the board member.”
Form 990, Page 6, Part VI, Line 11B
“Prior to being filed with the irs, a copy of the irs form 990 and related schedules are reviewed by the ceo, including a confirmation of the accuracy of every answer and oversight of appropriate changes. Upon completion of the review, the forms are reviewed at the board meeting.”
Form 990, Page 6, Part VI, Line 12C
“The credit union has a conflict of interest policy. The board members are asked to disclose any business relationships that could or do create a conflict.”
Form 990, Page 6, Part VI, Line 15A
“The process used to set the ceo's annual salary is based upon a combination of comparison to other credit unions with similar asset size through the use of cuna's annual salary compensation survey, credit union profitability, and job performance. This process is performed by the compensation committee, which is a subcommittee of the board. The compensation committee presents their recommendation to the board of directors for approval.”
Form 990, Page 6, Part VI, Line 19
“The credit union's form 990 will be available for public inspection on guidestar.com and available at the credit union office upon request. The current financial statements are posted in the credit union lobby. The bylaws and conflict of interest policy are available by appointment at the credit union's office.”
Filing and Contact Details
Filer
- Filer Name
- Akron Fire Police Credit Union Inc
- EIN
- 34-0057810
- Phone
- 3307981994
- Address
- 1810 BUCHHOLZER BLVD, AKRON, OH 44310
Signing Officer
- Name
- Doug Cincurak
- Title
- CEO
- Phone
- 3307981994
- Signed
- 2023-08-21
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Doug Cincurak
- Formed
- 1936
- Legal Domicile
- Oh
- Voting Board Members
- 9
- Independent Board Members
- 9
- Employees
- 8
- Volunteers
- 9
Preparer
- Firm
- Buckingham Business Advisors LLC
- Address
- 180-A COMMERCE PARK DR, WESTERVILLE, OH 43082-6067
- Preparer
- Erin Alderson Ea
- Phone
- 6148906620
Supplemental Narrative
Additional Explanations
FORM 990 - ORGANIZATION'S MISSION
“To provide lending, savings, and other financial services to its qualifying members at terms generally better than available in the marketplace and with a "service-based emphasis" that recognizes the members' status as "owners".”
Form 990, Page 2, Part III, Line 4D
“Various operating expenses necessary to run the credit union in a safe, sound and efficient manner, therefore safeguarding members' assets and providing optimal service to members.”
Form 990, Part IX, Line 11G
“Professional outside services 43,980 0 0 shared branching exp 2,223 0 0 eft services 80,746 0 0 mobile access 13,058 0 0 total 140,007 0 0”
Raw XML AppendixShowing 400 of 463 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/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
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| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 140007 |
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| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
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| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/FormationYr | 0 | 1936 |
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| IRS990/OtherExpensesGrp/Desc | 2 | SHARE DRAFT EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | MISCELLANEOUS EXPENSES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 172384 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 70158 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 56425 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 30168 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 34431600 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 34044735 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 364010 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 16257064 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 19007503 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 27875 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 70637 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 58641 |
| IRS990/PrincipalOfficerNm | 0 | DOUG CINCURAK |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 525990 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | NON MEMBER ATM FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 812397 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 189074 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 139949 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 812397 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 189074 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 139949 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 606 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 606 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | DIRECT LABOR AND EMPLOYEE BENEFIT COSTS INCURRED PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | DATA PROCESSING COSTS INCURRED RECORDING MEMBER ACCOUNT ACTIVITY AND PROVIDING ACCESS TO MEMBERS' ACCOUNTS. |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | VARIOUS OPERATING EXPENSES NECESSARY TO RUN THE CREDIT UNION IN A SAFE, SOUND AND EFFICIENT MANNER, THEREFORE SAFEGUARDING MEMBERS' ASSETS AND PROVIDING OPTIMAL SERVICE TO MEMBERS. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 4475 |
| IRS990/PYInvestmentIncomeAmt | 0 | 22810 |
| IRS990/PYOtherExpensesAmt | 0 | 692618 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1088550 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -31236 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 445503 |
| IRS990/PYTotalExpensesAmt | 0 | 1142596 |
| IRS990/PYTotalRevenueAmt | 0 | 1111360 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 126346 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 82612 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 126585 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | true |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1995904 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2122489 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 358755 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 39175 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 397930 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 45726 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 117420 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 163146 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 6223476 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 296214 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | CASH IN CORPORATE ONE CREDIT UNION |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | MEMBERSHIP IN CORPORATE ONE CREDIT U |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 62072 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 62072 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 7317 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 2158 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 9475 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 34044735 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBERS' SHARES AND SAVINGS ACCOUNTS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 8190282 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | OTHER INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 473870 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 6519690 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 8190282 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 34044735 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 82612 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 35743 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 2 | 16840 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 3 | 13237 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 4 | 11560 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 5 | 10565 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 6 | 9769 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 7 | 9174 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 8 | 7336 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 9 | 6492 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 10 | 5630 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 3 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 4 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 5 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 6 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 7 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 8 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 9 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 10 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 2 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 3 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 4 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 5 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 6 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 7 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 8 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 9 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 10 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 2 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 3 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 4 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 5 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 6 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 7 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 8 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 9 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 10 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 89898 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 36162 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 2 | 33749 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 3 | 13049 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 4 | 20000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 5 | 30000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 6 | 14597 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 7 | 13049 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 8 | 7500 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 9 | 10049 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 10 | 19844 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | CINCURAK |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | PLAYER - 2 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 2 | LEWIS - 2 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 3 | MCCOY |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 4 | PLAYER - 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 5 | LEWIS - 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 6 | MICOZZI |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 7 | GALATI |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 8 | INGHAM |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 9 | FEEMAN - 2 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 10 | FEEMAN - 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 3 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 4 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 5 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 6 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 7 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 8 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 9 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 10 | true |
| IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt | 0 | FEEMAN - 1 FROM 19,844 5,630 ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT |
| IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE L, PART II |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 208958 |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | TO PROVIDE LENDING, SAVINGS, AND OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKETPLACE AND WITH A "SERVICE-BASED EMPHASIS" THAT RECOGNIZES THE MEMBERS' STATUS AS "OWNERS". |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | VARIOUS OPERATING EXPENSES NECESSARY TO RUN THE CREDIT UNION IN A SAFE, SOUND AND EFFICIENT MANNER, THEREFORE SAFEGUARDING MEMBERS' ASSETS AND PROVIDING OPTIMAL SERVICE TO MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS. CANDIDATES ARE ELECTED BY MAJORITY VOTE. THE BOARD OF DIRECTORS APPOINT VOLUNTEERS TO SERVE ON THE SUPERVISORY COMMITTEE, WHICH IS VESTED WITH MONITORING SAFETY AND SOUNDNESS OF THE ORGANIZATION. IF DEEMED APPROPRIATE, THE SUPERVISORY COMMITTEE CAN SUSPEND BOARD MEMBERS AND CAN CALL A SPECIAL MEETING OF THE MEMBERSHIP TO EVALUATE THE ISSUE AND VOTE TO EITHER DISMISS OR REINSTATE THE BOARD MEMBER. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | PRIOR TO BEING FILED WITH THE IRS, A COPY OF THE IRS FORM 990 AND RELATED SCHEDULES ARE REVIEWED BY THE CEO, INCLUDING A CONFIRMATION OF THE ACCURACY OF EVERY ANSWER AND OVERSIGHT OF APPROPRIATE CHANGES. UPON COMPLETION OF THE REVIEW, THE FORMS ARE REVIEWED AT THE BOARD MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE CREDIT UNION HAS A CONFLICT OF INTEREST POLICY. THE BOARD MEMBERS ARE ASKED TO DISCLOSE ANY BUSINESS RELATIONSHIPS THAT COULD OR DO CREATE A CONFLICT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE PROCESS USED TO SET THE CEO'S ANNUAL SALARY IS BASED UPON A COMBINATION OF COMPARISON TO OTHER CREDIT UNIONS WITH SIMILAR ASSET SIZE THROUGH THE USE OF CUNA'S ANNUAL SALARY COMPENSATION SURVEY, CREDIT UNION PROFITABILITY, AND JOB PERFORMANCE. THIS PROCESS IS PERFORMED BY THE COMPENSATION COMMITTEE, WHICH IS A SUBCOMMITTEE OF THE BOARD. THE COMPENSATION COMMITTEE PRESENTS THEIR RECOMMENDATION TO THE BOARD OF DIRECTORS FOR APPROVAL. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE CREDIT UNION'S FORM 990 WILL BE AVAILABLE FOR PUBLIC INSPECTION ON GUIDESTAR.COM AND AVAILABLE AT THE CREDIT UNION OFFICE UPON REQUEST. THE CURRENT FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY. THE BYLAWS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE BY APPOINTMENT AT THE CREDIT UNION'S OFFICE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | PROFESSIONAL OUTSIDE SERVICES 43,980 0 0 SHARED BRANCHING EXP 2,223 0 0 EFT SERVICES 80,746 0 0 MOBILE ACCESS 13,058 0 0 TOTAL 140,007 0 0 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990 - ORGANIZATION'S MISSION |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 2, PART III, LINE 4D |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART IX, LINE 11G |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 36528676 |
| IRS990/TotalAssetsEOYAmt | 0 | 36367547 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 36528676 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 36367547 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
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