Civic Intelligence

First Energy Family Credit Union Inc

EIN 34-0058415 • 501(c)14 • Akron, OH

View Organization Page

Profile

To provide lending, savings and other financial services to it's qualifying members at terms usually better than available in the marketplace. With a heavy emphasis on member service that reconizes that the members are the owners of the credit union and not just customers. Direct labor and employee benefits costs incurred providing savings deposit services, originating new loans and serving the loan portfolio for members.

575 White Pond Dr Suite EAkron, OH 44320

www.fefcu.com

Siviq Scores

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

Liabilities / Assets

33rd percentile

0.84x

Higher debt load relative to assets than 33% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

62nd percentile

17.32x

Higher debt load relative to revenue than 62% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

73rd percentile

19%

Higher net margin than 73% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

87th percentile

$184,352

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 8.9% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

58th percentile

1.9%

Faster asset growth than 58% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

95th percentile

35%

Faster revenue growth than 95% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets33rd percentile

Assets

Down

$42,533,727

Down $2,038,419 (-4.6%) from 2022

Liabilities

Down

$35,850,786

Down $2,647,975 (-6.9%) from 2022

Net Assets

Up

$6,682,941

Up $609,556 (+10%) from 2022

Operations
Liabilities / Revenue62nd percentileNet Margin73rd percentile

Revenue

Up

$2,069,774

Up $961,446 (+87%) from 2022

Expenses

Up

$1,684,958

Up $606,602 (+56%) from 2022

Net Income

Up

$384,816

Up $354,844 (+1184%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

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

$60M$40M$20M$0Assets 2010: $35,092,427Liabilities 2010: $29,766,793Net Assets 2010: $5,325,6342010Assets 2011: $37,803,154Liabilities 2011: $32,687,604Net Assets 2011: $5,115,5502011Assets 2012: $41,450,019Liabilities 2012: $36,291,791Net Assets 2012: $5,158,2282012Assets 2013: $40,274,366Liabilities 2013: $35,038,055Net Assets 2013: $5,236,3112013Assets 2014: $40,194,842Liabilities 2014: $34,868,716Net Assets 2014: $5,326,1262014Assets 2015: $40,878,796Liabilities 2015: $35,549,550Net Assets 2015: $5,329,2462015Assets 2016: $41,343,106Liabilities 2016: $35,995,482Net Assets 2016: $5,347,6242016Assets 2017: $42,729,350Liabilities 2017: $37,139,305Net Assets 2017: $5,590,0452017Assets 2018: $41,384,913Liabilities 2018: $35,673,388Net Assets 2018: $5,711,5252018Assets 2019: $40,355,161Liabilities 2019: $34,460,692Net Assets 2019: $5,894,4692019Assets 2020: $44,272,866Liabilities 2020: $38,278,577Net Assets 2020: $5,994,2892020Assets 2021: $47,007,978Liabilities 2021: $40,964,565Net Assets 2021: $6,043,4132021Assets 2022: $44,572,146Liabilities 2022: $38,498,761Net Assets 2022: $6,073,3852022Assets 2024: $42,533,727Liabilities 2024: $35,850,786Net Assets 2024: $6,682,9412024

Highlighted filing

2024

Assets$42,533,727
Liabilities$35,850,786
Net Assets$6,682,941
Open 2024 Filing

Operations Trend

Revenue Growth95th percentile

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

$3.0M$2.0M$1.0M$0Expenses 2010: $1,131,4262010Expenses 2011: $1,059,5982011Expenses 2012: $1,052,6302012Revenue 2013: $1,047,900Expenses 2013: $969,817Net Income 2013: $78,0832013Revenue 2014: $1,036,811Expenses 2014: $946,996Net Income 2014: $89,8152014Revenue 2015: $1,001,092Expenses 2015: $997,972Net Income 2015: $3,1202015Revenue 2016: $987,021Expenses 2016: $968,643Net Income 2016: $18,3782016Revenue 2017: $1,004,582Expenses 2017: $959,608Net Income 2017: $44,9742017Revenue 2018: $1,167,268Expenses 2018: $1,045,788Net Income 2018: $121,4802018Revenue 2019: $1,293,747Expenses 2019: $1,110,803Net Income 2019: $182,9442019Revenue 2020: $1,181,298Expenses 2020: $1,081,478Net Income 2020: $99,8202020Revenue 2021: $996,214Expenses 2021: $947,090Net Income 2021: $49,1242021Revenue 2022: $1,108,328Expenses 2022: $1,078,356Net Income 2022: $29,9722022Revenue 2024: $2,069,774Expenses 2024: $1,684,958Net Income 2024: $384,8162024

Highlighted filing

2024

Revenue$2,069,774
Expenses$1,684,958
Net Income$384,816
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$42,533,727
Liabilities
$35,850,786
Net assets
$6,682,941
Revenue
$2,069,774
Expenses
$1,684,958
Net income
$384,816
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.5$35.9$6.68$2.07$1.68$0.38
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.6$38.5$6.07$1.11$1.08$0.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$47.0$41.0$6.04$1.00$0.95$0.05
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$44.3$38.3$5.99$1.18$1.08$0.10
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.4$34.5$5.89$1.29$1.11$0.18
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.4$35.7$5.71$1.17$1.05$0.12
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$42.7$37.1$5.59$1.00$0.96$0.04
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.3$36.0$5.35$0.99$0.97$0.02
2015Detailed filing. Detailed filing data is available for this year.$40.9$35.5$5.33$1.00$1.00$0.00
2014Detailed filing. Detailed filing data is available for this year.$40.2$34.9$5.33$1.04$0.95$0.09
2013Detailed filing. Detailed filing data is available for this year.$40.3$35.0$5.24$1.05$0.97$0.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.5$36.3$5.16$1.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.8$32.7$5.12$1.06
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.1$29.8$5.33$1.13
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 31, 2025
Return Version
2024v5.0
Gross Receipts
$2,069,774
Mission and Program Overview

Mission

To provide lending, savings and other financial services to it's qualifying members at terms usually better than available in the marketplace. With a heavy emphasis on member service that reconizes that the members are the owners of the credit union and not just customers. Direct labor and employee benefits costs incurred providing savings deposit services, originating new loans and serving the loan portfolio for members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$28,044,785$27,699,764▼ $345,021
Investments Other Securities$10,672,000$11,446,000▲ $774,000
Rtn Earn Endowment Incm Other Fnds$6,298,125$6,682,941▲ $384,816
Savings and Temporary Cash Investments$2,177,978$2,569,052▲ $391,074
Investments Program Related$298,000$298,000→ $0
Prepaid Expenses and Deferred Charges$29,513$23,201▼ $6,312
Accounts Receivable$1,206$0▼ $1,206
Cash and Non-Interest-Bearing Accounts$100$100→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$41,759,122$42,533,727▲ $774,605
Other Assets Total$535,540$497,610▼ $37,930
Liabilities
Other Liabilities$35,456,880$35,715,559▲ $258,679
Accounts Payable and Accrued Expenses$4,117$135,227▲ $131,110
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$35,460,997$35,850,786▲ $389,789
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,298,125$6,682,941▲ $384,816
Total Liabilities and Net Assets / Fund Balance$41,759,122$42,533,727▲ $774,605

Asset Categories

AssetBook ValueDepreciationBasis
Closely Held Equity Interests$0--
Financial Derivatives$11,446,000--
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Timothy BakerCEO & TreasurerFT$149,352$35,000$184,352
Kevin J DaumCOOFT$98,328$84,648$182,976

Board Members and Trustees

NameTitle
William ShonkPresident
Erik GegickVice President
Amy PattersonDirector
Christie PhillipsDirector
Joseph GierDirector
Joseph StorsinDirector
Michael NewkirkDirector
Lou Ellen KirkendallSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,477,354
Investment Income
$592,420
Other Revenue
$0
Change in Net Assets
$384,816

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,069,774
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$2,069,774
Total Revenue per Form 990
$2,069,774
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$733,795
Other Expenses$350,394
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$600,769
Current Officers, Directors, Trustees, and Key Employees---$367,328
Other Salaries and Wages---$211,084
Office Expenses---$173,275
Other Employee Benefits---$71,457
Pension Plan Contributions---$44,231
Payroll Taxes---$39,695
Occupancy---$33,834
Information Technology---$29,360
Advertising---$24,243
Other Expenses---$22,786
Fees for Services Accounting---$19,626
Payments to Affiliates---$17,033
Insurance---$16,010
Conferences and Meetings---$5,112
Fees for Services Legal---$99
Total Functional Expenses$0$0$0$1,684,958

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,684,958
Total Expenses per Audited Statements$1,684,958
Total Expenses per Form 990$1,684,958
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Savings$35,715,559
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is comprised of a single class of approximately 4370 member-owners, each of which has equal rights in ownership, goverance and voting rights at the annual meetings, with the exception of the member-owners who are elected to the board of directors.”

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

“The member-owners of the credit union have the authority to elect the members of the board of directors for three year terms on a rotating basis. Candidates are elected by a simple majority vote. The board of directors appoint volunteers to serve on the supervisory committee. 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 reinsate the board member.”

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

“Changes to the governing documents (bylaws) must be approved by the member-owners after they have been approved by the board of directors and the regulatory agency. Approval occurs when at least 50% of the member-owners vote to approve.”

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

“No review was conducted”

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

“Board Members and officers annually complete a survey related to loans, business relationships and family members that could or do create a conflict of interest. These are summarized and maintained in a document present at each board meeting. Conflicts are determined by a review by the CEO and the Board of Directors, along with the review of the supervisory committee on an annual basis. Any issues deemed to be a conflict are handled by the Board of Directors and the Supervisory Committee. If a conflict exists, then the conflicted Board Member or officer is excluded from discussion and votes related to the potential conflict”

Form 990, Part VI, Section B, Line 15

“The process used to set the CEO's annual salary is based on a combination of information of other credit unions of similar size and attainment during the year of performance objectives set for the CEO and the credit union. This process is performed by a sub-committee of the board and presented to the full board for approval. This is done annually and was last completed in December 2024.”

Form 990, Part VI, Section C, Line 18

“The credit union's bylaws, conflict of interest policy and financial statements are not made available to the public by the credit union. These documents are available for the member-owners of the credit union at all times.”

Form 990, Part VI, Section C, Line 19

“The credit union's bylaws, conflict of interest policy and financial statements are available for the member-owners of the credit union at all times.”

Filing and Contact Details

Filer

Filer Name
164 Firstenergy Family Credit Union
EIN
34-0058415
Phone
3305353611
Address
575 White Pond Dr Suite E, Akron, OH 44320

Signing Officer

Name
Timothy Baker
Title
CEO/Treasurer
Phone
3305353611
Signed
2025-10-31

Organization Details

Principal Officer
Timothy Baker
Formed
1936
Legal Domicile
Oh
Voting Board Members
8
Independent Board Members
8
Employees
6
Volunteers
10
Raw XML AppendixShowing 400 of 486 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.

Path#Value
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IRS990/Form990PartVIISectionAGrp/PersonNm4Michael Newkirk
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IRS990/Form990PartVIISectionAGrp/PersonNm6Amy Patterson
IRS990/Form990PartVIISectionAGrp/PersonNm7William Shonk
IRS990/Form990PartVIISectionAGrp/PersonNm8Erik Gegick
IRS990/Form990PartVIISectionAGrp/PersonNm9Lou Ellen Kirkendall
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO & Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt1COO
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7President
IRS990/Form990PartVIISectionAGrp/TitleTxt8Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt9Secretary
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantAmt00
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt02069774
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt029360
IRS990/InsuranceGrp/TotalAmt016010
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0592420
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0592420
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt010672000
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt011446000
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0298000
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0298000
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt02043
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE LENDING, SAVINGS AND OTHER FINANCIAL SERVICES TO IT'S QUALIFYING MEMBERS AT TERMS USUALLY BETTER THAN AVAILABLE IN THE MARKETPLACE. WITH A HEAVY EMPHASIS ON MEMBER SERVICE THAT RECONIZES THAT THE MEMBERS ARE THE OWNERS OF THE CREDIT UNION AND NOT JUST CUSTOMERS. DIRECT LABOR AND EMPLOYEE BENEFITS COSTS INCURRED PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVING THE LOAN PORTFOLIO FOR MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt06298125
IRS990/NetAssetsOrFundBalancesEOYAmt06682941
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt033834
IRS990/OfficeExpensesGrp/TotalAmt0173275
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0535540
IRS990/OtherAssetsTotalGrp/EOYAmt0497610
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt071457
IRS990/OtherExpensesGrp/Desc0SUPERVISORY FEE
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt09016
IRS990/OtherExpensesGrp/TotalAmt122786
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt035456880
IRS990/OtherLiabilitiesGrp/EOYAmt035715559
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0211084
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt028044785
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt027699764
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt017033
IRS990/PayrollTaxesGrp/TotalAmt039695
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt044231
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt029513
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt023201
IRS990/PrincipalOfficerNm0Timothy Baker
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgSrvcAccomActy2Grp/Desc0Direct labor and employee costs incurred providing savings and deposit services, originating new loans and servicing the loan portfolio for members.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt00
IRS990/ProgSrvcAccomActy3Grp/Desc0Data processing costs incurred recording member account activity and providing access to members to their accounts via home banking, phone and in person at the credit union office.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0327286
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0398595
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0377170
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01135279
IRS990/PYRevenuesLessExpensesAmt0224740
IRS990/PYSalariesCompEmpBnftPaidAmt0604678
IRS990/PYTotalExpensesAmt01309134
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01533874
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0384816
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06298125
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06682941
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02177978
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02569052
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt01684958
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt011446000
IRS990ScheduleD/FinancialDerivativesGrp/MethodValuationCd0C
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt035715559
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SAVINGS
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02069774
IRS990ScheduleD/TotalBookValueSecuritiesAmt011446000
IRS990ScheduleD/TotalExpensesPerForm990Amt01684958
IRS990ScheduleD/TotalLiabilityAmt035715559
IRS990ScheduleD/TotalRevenuePerForm990Amt02069774
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02069774
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01684958
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0149352
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt198328
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount035000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount184648
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Timothy Baker
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Kevin J Daum
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO & Treasurer
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0184352
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1182976
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 4370 MEMBER-OWNERS, EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP, GOVERANCE AND VOTING RIGHTS AT THE ANNUAL MEETINGS, WITH THE EXCEPTION OF THE MEMBER-OWNERS WHO ARE ELECTED TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR THREE YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE MAJORITY VOTE. THE BOARD OF DIRECTORS APPOINT VOLUNTEERS TO SERVE ON THE SUPERVISORY COMMITTEE. 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 REINSATE THE BOARD MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CHANGES TO THE GOVERNING DOCUMENTS (BYLAWS) MUST BE APPROVED BY THE MEMBER-OWNERS AFTER THEY HAVE BEEN APPROVED BY THE BOARD OF DIRECTORS AND THE REGULATORY AGENCY. APPROVAL OCCURS WHEN AT LEAST 50% OF THE MEMBER-OWNERS VOTE TO APPROVE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3No review was conducted
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Board Members and officers annually complete a survey related to loans, business relationships and family members that could or do create a conflict of interest. These are summarized and maintained in a document present at each board meeting. Conflicts are determined by a review by the CEO and the Board of Directors, along with the review of the supervisory committee on an annual basis. Any issues deemed to be a conflict are handled by the Board of Directors and the Supervisory Committee. If a conflict exists, then the conflicted Board Member or officer is excluded from discussion and votes related to the potential conflict
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The process used to set the CEO's annual salary is based on a combination of information of other credit unions of similar size and attainment during the year of performance objectives set for the CEO and the credit union. This process is performed by a sub-committee of the board and presented to the full board for approval. This is done annually and was last completed in December 2024.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The credit union's bylaws, conflict of interest policy and financial statements are not made available to the public by the credit union. These documents are available for the member-owners of the credit union at all times.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7The credit union's bylaws, conflict of interest policy and financial statements are available for the member-owners of the credit union at all times.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b

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