Civic Intelligence

Firefighters Community Credit Union

EIN 34-0150243 • 501(c)14 • Cleveland, OH

View Organization Page

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.

2300 St Clair AveCleveland, OH 44114

www.ffcommunity.com

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.91x

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

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

52nd percentile

15.45x

Higher debt load relative to revenue than 52% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

45th percentile

8.6%

Higher net margin than 45% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

65th percentile

$726,285

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 5.5% of source-year revenue.

$250M-$1B nonprofits • Source year 2021

Asset Growth

55th percentile

3.2%

Faster asset growth than 55% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2024

Revenue Growth

50th percentile

16%

Faster revenue growth than 50% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2024

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$343,850,260

Up $13,801,624 (+4.2%) from 2023

Liabilities

Up

$313,087,212

Up $11,352,197 (+3.8%) from 2023

Net Assets

Up

$30,763,048

Up $2,449,427 (+8.7%) from 2023

Operations
Liabilities / Revenue52nd percentileNet Margin45th percentile

Revenue

Up

$20,259,225

Up $2,714,354 (+15%) from 2023

Expenses

Up

$18,525,921

Up $1,484,648 (+8.7%) from 2023

Net Income

Up

$1,733,304

Up $1,229,706 (+244%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth55th percentile

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

$400M$300M$200M$100M$0Assets 2010: $177,018,013Liabilities 2010: $158,093,082Net Assets 2010: $18,924,9312010Assets 2011: $178,087,018Liabilities 2011: $157,848,052Net Assets 2011: $20,238,9662011Assets 2012: $193,514,875Liabilities 2012: $171,283,698Net Assets 2012: $22,231,1772012Assets 2013: $197,113,231Liabilities 2013: $174,722,412Net Assets 2013: $22,390,8192013Assets 2014: $231,296,936Liabilities 2014: $207,877,165Net Assets 2014: $23,419,7712014Assets 2015: $234,772,067Liabilities 2015: $211,216,478Net Assets 2015: $23,555,5892015Assets 2016: $242,477,686Liabilities 2016: $218,999,124Net Assets 2016: $23,478,5622016Assets 2017: $248,680,811Liabilities 2017: $225,030,605Net Assets 2017: $23,650,2062017Assets 2018: $250,770,717Liabilities 2018: $226,077,753Net Assets 2018: $24,692,9642018Assets 2019: $255,981,903Liabilities 2019: $229,710,440Net Assets 2019: $26,271,4632019Assets 2020: $289,517,324Liabilities 2020: $262,535,560Net Assets 2020: $26,981,7642020Assets 2021: $312,911,216Liabilities 2021: $285,530,205Net Assets 2021: $27,381,0112021Assets 2022: $335,297,509Liabilities 2022: $308,233,515Net Assets 2022: $27,063,9942022Assets 2023: $330,048,636Liabilities 2023: $301,735,015Net Assets 2023: $28,313,6212023Assets 2024: $343,850,260Liabilities 2024: $313,087,212Net Assets 2024: $30,763,0482024

Highlighted filing

2024

Assets$343,850,260
Liabilities$313,087,212
Net Assets$30,763,048
Open 2024 Filing

Operations Trend

Revenue Growth50th percentile

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

$30M$20M$10M$0-$10MExpenses 2010: $9,733,0742010Expenses 2011: $8,654,9082011Expenses 2012: $8,939,8732012Revenue 2013: $10,213,523Expenses 2013: $9,829,845Net Income 2013: $383,6782013Revenue 2014: $10,499,262Expenses 2014: $10,724,975Net Income 2014: -$225,7132014Revenue 2015: $12,409,501Expenses 2015: $12,318,048Net Income 2015: $91,4532015Revenue 2016: $13,035,438Expenses 2016: $13,130,638Net Income 2016: -$95,2002016Revenue 2017: $13,336,993Expenses 2017: $13,146,893Net Income 2017: $190,1002017Revenue 2018: $13,577,211Expenses 2018: $12,523,061Net Income 2018: $1,054,1502018Revenue 2019: $14,383,463Expenses 2019: $12,857,969Net Income 2019: $1,525,4942019Revenue 2020: $13,000,563Expenses 2020: $12,308,358Net Income 2020: $692,2052020Revenue 2021: $13,147,195Expenses 2021: $12,269,199Net Income 2021: $877,9962021Revenue 2022: $14,606,591Expenses 2022: $12,761,956Net Income 2022: $1,844,6352022Revenue 2023: $17,544,871Expenses 2023: $17,041,273Net Income 2023: $503,5982023Revenue 2024: $20,259,225Expenses 2024: $18,525,921Net Income 2024: $1,733,3042024

Highlighted filing

2024

Revenue$20,259,225
Expenses$18,525,921
Net Income$1,733,304
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$343,850,260
Liabilities
$313,087,212
Net assets
$30,763,048
Revenue
$20,259,225
Expenses
$18,525,921
Net income
$1,733,304
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$344$313$30.8$20.3$18.5$1.73
2023Detailed filing. Detailed filing data is available for this year.$330$302$28.3$17.5$17.0$0.50
2022Detailed filing. Detailed filing data is available for this year.$335$308$27.1$14.6$12.8$1.84
2021Detailed filing. Detailed filing data is available for this year.$313$286$27.4$13.1$12.3$0.88
2020Detailed filing. Detailed filing data is available for this year.$290$263$27.0$13.0$12.3$0.69
2019Detailed filing. Detailed filing data is available for this year.$256$230$26.3$14.4$12.9$1.53
2018Detailed filing. Detailed filing data is available for this year.$251$226$24.7$13.6$12.5$1.05
2017Detailed filing. Detailed filing data is available for this year.$249$225$23.7$13.3$13.1$0.19
2016Detailed filing. Detailed filing data is available for this year.$242$219$23.5$13.0$13.1$0.10
2015Detailed filing. Detailed filing data is available for this year.$235$211$23.6$12.4$12.3$0.09
2014Detailed filing. Detailed filing data is available for this year.$231$208$23.4$10.5$10.7$0.23
2013Detailed filing. Detailed filing data is available for this year.$197$175$22.4$10.2$9.83$0.38
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$194$171$22.2$8.94
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$178$158$20.2$8.65
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$177$158$18.9$9.73
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 27, 2025
Return Version
2024v5.0
Gross Receipts
$20,259,225
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
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$253,268,790$242,059,795▼ $11,208,995
Savings and Temporary Cash Investments$42,262,463$46,835,621▲ $4,573,158
Investments Other Securities$14,762,952$36,214,386▲ $21,451,434
Rtn Earn Endowment Incm Other Fnds$28,313,621$30,763,048▲ $2,449,427
Land, Buildings, and Equipment, Net$8,097,619$8,271,929▲ $174,310
Cash and Non-Interest-Bearing Accounts$2,660,094$3,089,437▲ $429,343
Prepaid Expenses and Deferred Charges$2,845,512$1,800,791▼ $1,044,721
Total Assets$330,048,636$343,850,260▲ $13,801,624
Other Assets Total$6,151,206$5,578,301▼ $572,905
Liabilities
Other Liabilities$295,937,404$308,937,691▲ $13,000,287
Accounts Payable and Accrued Expenses$5,797,611$4,149,521▼ $1,648,090
Total Liabilities$301,735,015$313,087,212▲ $11,352,197
Net Assets / Fund Balance
Total Net Assets Fund Balance$28,313,621$30,763,048▲ $2,449,427
Total Liabilities and Net Assets / Fund Balance$330,048,636$343,850,260▲ $13,801,624

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,685,117$1,903,750-
Other Land Buildings-$209,765-
Land$901,674--
Equipment$685,138$2,923,307-
Other Securities$-1,133,660--
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Benjamin LaurendeauPresident/ceFT$365,326$69,814$435,140
Benjamin LaurendeauPresident/CEO-$365,326$69,814$435,140
John CarrickCFOFT$159,080$56,884$215,964
Kathy RiggsCROFT$150,740$13,581$164,321
Paul HumphreyCLOFT$137,888$22,135$160,023
Alyssa EvanoffCMOFT$137,066$13,081$150,147
Jessica BittnerCOOFT$112,919$10,200$123,119

Board Members and Trustees

NameTitle
Anthony MissigDirector
Bryan GallagherDirector
Damian BorkowskiDirector
Dennis CorriganDirector
Gary AberznikDirector
James AndrewsDirector
James PolkDirector
Richard BowmanDirector
Robert SchwindDirector
William DeightonDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,617,785
Investment Income
$2,241,440
Other Revenue
$400,000
Change in Net Assets
$1,733,304
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,962,199
Salaries, Compensation, and Employee Benefits$6,829,819
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$4,733,903
Other Salaries and Wages---$3,768,427
Office Expenses---$1,346,141
Other Employee Benefits---$1,306,417
Current Officers, Directors, Trustees, and Key Employees---$1,063,019
All Other Expenses---$909,528
Occupancy---$631,552
Other Expenses---$472,795
Depreciation Depletion---$394,388
Advertising---$376,401
Payroll Taxes---$356,531
Pension Plan Contributions---$335,425
Fees for Services Other---$287,963
Insurance---$208,597
Conferences and Meetings---$135,653
Fees for Services Accounting---$47,985
Fees for Services Legal---$18,034
Fees for Service Investment Mgmnt Fees---$3,408
Total Functional Expenses$0$0$0$18,525,921
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
Member Savings and Cd Accounts$308,937,691
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
Yes
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 for terms on a rotating basis. Candidates are elected by a simple plurality vote.”

Form 990, Page 6, Part VI, Line 7B

“Changes to the governing documents must be approved by the member-owners after they have been approved by the board of directors and the regulatory agency.”

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, 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 and are monitored by management and board of directors.”

Form 990, Page 6, Part VI, Line 15A

“The process used to set the ceo's annual salary is based on a combination of comparison to comparable sized credit unions and performance objectives that have been achieved on an annual basis. The salary is voted on and agreed upon by the board of directors.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Firefighters Community Credit Union
EIN
34-0150243
Phone
2166214644
Address
2300 ST CLAIR AVE, CLEVELAND, OH 44114

Signing Officer

Name
Benjamin Laurendeau
Title
President/CEO
Phone
2166214644
Signed
2025-08-27

Organization Details

Principal Officer
Benjamin Laurendeau
Formed
1936
Legal Domicile
Oh
Voting Board Members
10
Independent Board Members
10
Employees
112
Volunteers
10

Preparer

Firm
Waverly Business Services
Address
180 A COMMERCE PARK DR, WESTERVILLE, OH 43082
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.”

Raw XML AppendixShowing 400 of 462 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/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CE
IRS990/Form990PartVIISectionAGrp/TitleTxt1CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2CRO
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IRS990/Form990PartVIISectionAGrp/TitleTxt5COO
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
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IRS990/MissionDesc0TO 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.
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IRS990/OtherExpensesGrp/Desc1VISA EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOSSES
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
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IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01800791
IRS990/PrincipalOfficerNm0BENJAMIN LAURENDEAU
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc3VEHICLE SERVICE CONTRACTS
IRS990/ProgramServiceRevenueGrp/Desc4FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt013211198
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12402330
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21965890
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt013211198
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21965890
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt319680
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt418687
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt019680
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt118687
IRS990/ProgSrvcAccomActy2Grp/Desc0EMPLOYEE LABOR AND BENEFIT COSTS INCURRED PROVIDING MEMBER SERVICES AND SUPPORT; INCLUDING SAVINGS DEPOSITS AND WITHDRAWALS, LOAN ORIGINATION AND SERVICING, AND MEMBER TECHNICAL SUPPORT.
IRS990/ProgSrvcAccomActy3Grp/Desc0DATA PROCESSING COSTS INCURRED RECORDING MEMBER ACCOUNT ACTIVITY AND PROVIDING ACCESS TO MEMBERS TO THEIR ACCOUNTS VIA HOME BANKING, ATM NETWORKS AND IN PERSON AT THE CREDIT UNION OFFICES.
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IRS990/PYSalariesCompEmpBnftPaidAmt06616881
IRS990/PYTotalExpensesAmt017041273
IRS990/PYTotalRevenueAmt017544871
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt028313621
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt046835621
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IRS990ScheduleD/BuildingsGrp/BookValueAmt06685117
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01903750
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt08588867
IRS990ScheduleD/EquipmentGrp/BookValueAmt0685138
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02923307
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt03608445
IRS990ScheduleD/LandGrp/BookValueAmt0901674
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0901674
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0209765
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0209765
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0308937691
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SAVINGS AND CD ACCOUNTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt028356562
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt14000000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt22509087
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt31329512
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt4426800
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt5387361
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt6261737
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt742606
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt834381
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt9-1133660
IRS990ScheduleD/OtherSecuritiesGrp/Desc0OVERNIGHT INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1NCB RESERVE ACCT
IRS990ScheduleD/OtherSecuritiesGrp/Desc2NEW YORK LIFE INVEST.
IRS990ScheduleD/OtherSecuritiesGrp/Desc3FHLB STLMNT ACCOUNT
IRS990ScheduleD/OtherSecuritiesGrp/Desc4FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc5CORP ONE PCC
IRS990ScheduleD/OtherSecuritiesGrp/Desc6PSCU/SERV CTR. CUSO
IRS990ScheduleD/OtherSecuritiesGrp/Desc7CO-OP NETWORK STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc8PERSHING/MBS MMKT
IRS990ScheduleD/OtherSecuritiesGrp/Desc9UNREALIZED LOSS / GAIN
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08271929
IRS990ScheduleD/TotalBookValueSecuritiesAmt036214386
IRS990ScheduleD/TotalLiabilityAmt0308937691
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2150740
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3137888
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4137066
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt026573
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt113643
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt212693
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt311760
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt411521
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt2888
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt41560
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0BENJAMIN LAURENDEAU
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1JOHN CARRICK
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2KATHY RIGGS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3PAUL HUMPHREY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4ALYSSA EVANOFF
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CRO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3CLO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4CMO
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3160023
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt4150147
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IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO 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/ExplanationTxt1THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE PLURALITY VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CHANGES TO THE GOVERNING DOCUMENTS MUST BE APPROVED BY THE MEMBER-OWNERS AFTER THEY HAVE BEEN APPROVED BY THE BOARD OF DIRECTORS AND THE REGULATORY AGENCY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3NO REVIEW WAS OR WILL BE 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 AND ARE MONITORED BY MANAGEMENT AND BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PROCESS USED TO SET THE CEO'S ANNUAL SALARY IS BASED ON A COMBINATION OF COMPARISON TO COMPARABLE SIZED CREDIT UNIONS AND PERFORMANCE OBJECTIVES THAT HAVE BEEN ACHIEVED ON AN ANNUAL BASIS. THE SALARY IS VOTED ON AND AGREED UPON BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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