Civic Intelligence

Taleris Credit Union Inc

EIN 34-0153040 • 501(c)14 • Independence, 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".

6111 Oak Tree BlvdIndependence, OH 44131

www.taleriscu.org

Siviq Scores

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

Liabilities / Assets

55th percentile

0.88x

Higher debt load relative to assets than 55% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

64th percentile

16.73x

Higher debt load relative to revenue than 64% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

13th percentile

-1.0%

Higher net margin than 13% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

87th percentile

$238,418

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 7.0% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

4th percentile

-6.9%

Faster asset growth than 4% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

37th percentile

7.2%

Faster revenue growth than 37% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets55th percentile

Assets

Down

$64,216,263

Down $11,934,522 (-16%) from 2021

Liabilities

Down

$56,729,544

Down $11,289,229 (-17%) from 2021

Net Assets

Down

$7,486,719

Down $645,293 (-7.9%) from 2021

Operations
Liabilities / Revenue64th percentileNet Margin13th percentile

Revenue

Up

$3,391,241

Up $656,065 (+24%) from 2021

Expenses

Up

$3,425,675

Up $583,358 (+21%) from 2021

Net Income

Up

-$34,434

Up $72,707 (+68%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth4th percentile

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

$80M$60M$40M$20M$0Assets 2011: $69,721,836Liabilities 2011: $58,052,814Net Assets 2011: $11,669,0222011Assets 2012: $69,184,324Liabilities 2012: $57,759,272Net Assets 2012: $11,425,0522012Assets 2013: $70,079,071Liabilities 2013: $58,119,911Net Assets 2013: $11,959,1602013Assets 2014: $69,575,699Liabilities 2014: $58,509,896Net Assets 2014: $11,065,8032014Assets 2015: $67,644,289Liabilities 2015: $57,250,627Net Assets 2015: $10,393,6622015Assets 2016: $71,925,375Liabilities 2016: $61,868,817Net Assets 2016: $10,056,5582016Assets 2017: $74,179,718Liabilities 2017: $64,511,876Net Assets 2017: $9,667,8422017Assets 2018: $70,484,954Liabilities 2018: $62,127,350Net Assets 2018: $8,357,6042018Assets 2020: $67,933,857Liabilities 2020: $59,919,024Net Assets 2020: $8,014,8332020Assets 2021: $76,150,785Liabilities 2021: $68,018,773Net Assets 2021: $8,132,0122021Assets 2024: $64,216,263Liabilities 2024: $56,729,544Net Assets 2024: $7,486,7192024

Highlighted filing

2024

Assets$64,216,263
Liabilities$56,729,544
Net Assets$7,486,719
Open 2024 Filing

Operations Trend

Revenue Growth37th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2011: $4,268,5672011Expenses 2012: $3,991,9422012Revenue 2013: $4,077,719Expenses 2013: $4,075,881Net Income 2013: $1,8382013Revenue 2014: $3,694,773Expenses 2014: $4,150,287Net Income 2014: -$455,5142014Revenue 2015: $3,490,720Expenses 2015: $3,959,818Net Income 2015: -$469,0982015Revenue 2016: $3,344,271Expenses 2016: $3,719,557Net Income 2016: -$375,2862016Revenue 2017: $3,348,093Expenses 2017: $3,782,609Net Income 2017: -$434,5162017Revenue 2018: $3,314,576Expenses 2018: $4,581,103Net Income 2018: -$1,266,5272018Revenue 2020: $2,697,754Expenses 2020: $3,150,355Net Income 2020: -$452,6012020Revenue 2021: $2,735,176Expenses 2021: $2,842,317Net Income 2021: -$107,1412021Revenue 2024: $3,391,241Expenses 2024: $3,425,675Net Income 2024: -$34,4342024

Highlighted filing

2024

Revenue$3,391,241
Expenses$3,425,675
Net Income-$34,434
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$64,216,263
Liabilities
$56,729,544
Net assets
$7,486,719
Revenue
$3,391,241
Expenses
$3,425,675
Net income
-$34,434
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$64.2$56.7$7.49$3.39$3.43$0.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$76.2$68.0$8.13$2.74$2.84$0.11
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$67.9$59.9$8.01$2.70$3.15$0.45
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$70.5$62.1$8.36$3.31$4.58$1.27
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$74.2$64.5$9.67$3.35$3.78$0.43
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$71.9$61.9$10.1$3.34$3.72$0.38
2015Detailed filing. Detailed filing data is available for this year.$67.6$57.3$10.4$3.49$3.96$0.47
2014Detailed filing. Detailed filing data is available for this year.$69.6$58.5$11.1$3.69$4.15$0.46
2013Detailed filing. Detailed filing data is available for this year.$70.1$58.1$12.0$4.08$4.08$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$69.2$57.8$11.4$3.99
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$69.7$58.1$11.7$4.27
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2018 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 7, 2019
Return Version
2018v3.1
Gross Receipts
$3,314,576
Mission and Program Overview

Mission

To provide lending, savings and other financial services to its qualifying members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$53,849,439$48,148,893▼ $5,700,546
Investments in Publicly Traded Securities$8,030,983$8,392,149▲ $361,166
Rtn Earn Endowment Incm Other Fnds$9,667,842$8,357,604▼ $1,310,238
Investments Other Securities$3,740,648$4,912,246▲ $1,171,598
Savings and Temporary Cash Investments$3,431,924$4,590,689▲ $1,158,765
Land, Buildings, and Equipment, Net$2,900,951$2,463,826▼ $437,125
Cash and Non-Interest-Bearing Accounts$458,560$394,015▼ $64,545
Accounts Receivable$539,465$293,858▼ $245,607
Prepaid Expenses and Deferred Charges$159,703$179,066▲ $19,363
Receivables From Officers Etc-$27,222-
Total Assets$74,179,718$70,484,954▼ $3,694,764
Other Assets Total$1,068,045$1,082,990▲ $14,945
Liabilities
Other Liabilities$56,399,438$55,516,021▼ $883,417
Accounts Payable and Accrued Expenses$8,107,438$6,611,329▼ $1,496,109
Deferred Revenue$5,000--
Total Liabilities$64,511,876$62,127,350▼ $2,384,526
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,667,842$8,357,604▼ $1,310,238
Total Liabilities and Net Assets / Fund Balance$74,179,718$70,484,954▼ $3,694,764

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$41,759$2,070,166$2,111,925
Buildings$1,161,640$400,581$1,562,221
Land$1,142,111-$1,142,111
Other Land Buildings$118,316$149,693$268,009
Other Securities$2,721,603--
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robin D ThomasPresidentandceoFT$171,512$32,543$204,055
James P MckenzieVP of OperationsFT$121,932$6,895$128,827
Benjamin E BoggsControllerFT$13,024$1,995$15,019

Board Members and Trustees

NameTitle
Ben CarnahanDirector
Donald SalsburyDirector
Harry KatzenmeyerDirector
James RemaliaDirector
Louse Vocaire TramposchDirector
Mary Jane CamaratoDirector
Stephens FranksDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry And Associates INCData ProviderPO BOX 609, Monett, MO 65708$190,358
First Data CorpAtm Network Provdr6200 SOUTH QUEBEC ST, Greenwood Village, CO 80111$162,270
Starfish Computer CorpData Provider24831 LORAIN RD, North Olmsted, OH 44070$132,734
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,935,259
Investment Income
$340,909
Other Revenue
$38,408
Change in Net Assets
$-1,266,527

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,314,576
Total Revenue per Audited Statements
$3,314,576
Total Revenue per Form 990
$3,314,576
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,642,573
Salaries, Compensation, and Employee Benefits$1,807,205
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,020,962
All Other Expenses---$467,923
Current Officers, Directors, Trustees, and Key Employees---$347,751
Fees for Services Other---$258,589
Information Technology---$226,716
Occupancy---$225,922
Pension Plan Contributions---$182,325
Other Employee Benefits---$177,821
Interest---$135,696
Benefits to Members---$131,325
Office Expenses---$106,227
Depreciation Depletion---$102,271
Payroll Taxes---$78,346
Advertising---$61,221
Fees for Services Accounting---$47,431
Other Expenses$41,475--$41,475
Insurance---$25,243
Fees for Services Legal---$9,621
Travel---$4,498
Conferences and Meetings---$4,475
Fees for Service Investment Mgmnt Fees---$4
Total Functional Expenses$0$0$0$4,581,103

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,581,103
Total Expenses per Audited Statements$4,581,103
Total Expenses per Form 990$4,581,103
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-$27,222-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$54,904,619
Deferred Compensation 457b$346,524
Deferred Compensation 457 F$122,728
Pension Liability-defined Ben Plan$111,821
Post Retirement Hra Liability$25,598
Other Liabilities$4,731
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

Members or stockholder classes and rights Part VI line 6

“The credit union is comprised of a single class of approximately 9,495 member-owners, each of which has equal rights in ownership, governance and voting rights at the annual meetings.”

Member election for additional members Part VI 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 expiring on a staggered basis. Candidates are elected by a simple plurality vote. The board of directors has appointed a cpa firm to perform supervisory committee duties.”

Governing body decisions Part VI line 7B

“Certain 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 governing body review Part VI line 11

“Prior to being filed with the irs, a copy of the irs form 990 and related schedules are reviewed by the president/ceo, controller, and the credit unions tax preparer.”

Conflict of interest policy compliance Part VI line 12C

“Board members and officers annually complete a survey related to loans, business relationships, and family members that could create a conflict of interest. These surveys are held at the main office. Conflicts of interest are determined by a review of the potential conflicts by the president/ceo and the board of directors. If a conflict exists, then the conflicted board member is excluded from voters related to any potential or existing relationships involving the conflict of interest.”

CEO executive director top management comp Part VI line 15A

“The process used to set the president/ceos annual salary is based on a combination of comparison to comparable sized credit unions through the use of recommendations from salary consultants and the attainment in the current year of predefined performance objectives.”

Other officer or key employee compensation Part VI line 15B

“The process used to set the compensation of officers or other key employees is based on a combination of comparable sized credit unions through the use of recommendations from salary consultants and the attainment in the current year of predefined performance objectives.”

Governing documents etc available to public Part VI line 19

“The credit unions financial statements are posted at all office entrances as required by state regulations. By-laws, conflict of interest policy and other governing documents can be reviewed by appointment at the credit unions administrative office.”

Filing and Contact Details

Filer

Filer Name
Taleris Credit Union Inc
EIN
34-0153040
Address
6111 OAK TREE BLVD, INDEPENDENCE, OH 44131

Signing Officer

Name
Robin D Thomas
Title
President and C
Phone
2167392300
Signed
2019-11-07
Discuss with paid preparer
Yes

Organization Details

Formed
1935
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
27
Volunteers
11

Preparer

Firm
Cbs Cpas LLC
Address
34305 Solon Rd Ste 10, Solon, OH 44139
Preparer
Ronald Schmidt
Phone
4405421536
Supplemental Narrative

Additional Explanations

Audited by an independent accountant Part XII line 2B

“The board of directors selects an independent cpa.”

Explanation of other changes in net assets or fund balances Part XI line 9

“Unrealized gain on defined benefit plan obligations $43,697”

List of other expenses Part IX line 24E

“Loss on Asset Disposal $457,175457(B)Non-Operating Loss $ 10,748”

Raw XML AppendixShowing 400 of 484 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt08107438
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt06611329
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IRS990/ActivityOrMissionDesc0TO PROVIDE LENDING, SAVINGS AND OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS
IRS990/AdvertisingGrp/TotalAmt061221
IRS990/AllOtherExpensesGrp/TotalAmt0467923
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt0131325
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IRS990/BooksInCareOfDetail/PhoneNum02167392300
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt06111 OAK TREE BLVD
IRS990/BooksInCareOfDetail/USAddress/CityNm0INDEPENDENCE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OH
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IRS990/ConservationEasementsInd0false
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IRS990/ContractorCompensationGrp/CompensationAmt1190358
IRS990/ContractorCompensationGrp/CompensationAmt2132734
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1Monett
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IRS990/ContractorCompensationGrp/ContractorName/PersonNm2STARFISH COMPUTER CORP
IRS990/ContractorCompensationGrp/ServicesDesc0ATM NETWORK PROVDR
IRS990/ContractorCompensationGrp/ServicesDesc1DATA PROVIDER
IRS990/ContractorCompensationGrp/ServicesDesc2DATA PROVIDER
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt0131325
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/Desc0TALERIS CREDIT UNION, INC. IS A MID-SIZE OHIO STATE CHARTERED CREDIT UNION PROVIDING 9,495 MEMBERS WITH AFFORDABLE SERVICES AND PRODUCTS, WHICH INCLUDE SECURED AND UNSECURED CONSUMER LOANS, MORTGAGE LOANS, BUSINESS LOANS, BUSINESS DEPOSIT ACCOUNTS, SAVINGS ACCOUNTS, CHECKING ACCOUNTS, MONEY MARKET ACCOUNTS, IRA ACCOUNTS, TERM SHARE CERTIFICATES, DEBIT CARDS, ATM CARDS, ONLINE BANKING SERVICES, SHARED BRANCHING SERVICES, ONLINE BILL PAY SERVICES, OVERDRAFT PROTECTION, AS WELL AS OTHER STANDARD BANKING SERVICES AND PRODUCTS. WE HAVE SERVED MEMBERS AND SPONSOR GROUPS FOR OVER 80 YEARS
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IRS990/Form990PartVIISectionAGrp/PersonNm0MARY JANE CAMARATO
IRS990/Form990PartVIISectionAGrp/PersonNm1LOUSE VOCAIRE TRAMPOSCH
IRS990/Form990PartVIISectionAGrp/PersonNm2HARRY KATZENMEYER
IRS990/Form990PartVIISectionAGrp/PersonNm3JAMES REMALIA
IRS990/Form990PartVIISectionAGrp/PersonNm4DONALD SALSBURY
IRS990/Form990PartVIISectionAGrp/PersonNm5BEN CARNAHAN
IRS990/Form990PartVIISectionAGrp/PersonNm6STEPHENS FRANKS
IRS990/Form990PartVIISectionAGrp/PersonNm7ROBIN D THOMAS
IRS990/Form990PartVIISectionAGrp/PersonNm8JAMES P MCKENZIE
IRS990/Form990PartVIISectionAGrp/PersonNm9BENJAMIN E BOGGS
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IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENTANDCEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP OF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt9CONTROLLER
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IRS990/OtherExpensesGrp/Desc0PRODUCT SUPPORT
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
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IRS990/OtherSalariesAndWagesGrp/TotalAmt01020962
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt053849439
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1665440
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IRS990/PYSalariesCompEmpBnftPaidAmt01663318
IRS990/PYTotalExpensesAmt03782609
IRS990/PYTotalRevenueAmt03348093
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt027222
IRS990/ReconcilationRevenueExpnssAmt0-1266527
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IRS990ScheduleD/EquipmentGrp/BookValueAmt041759
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IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02111925
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01142111
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IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0268009
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1346524
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt225598
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3111821
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4122728
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt54731
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1DEFERRED COMPENSATION 457B
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2POST RETIREMENT HRA LIABILITY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3PENSION LIABILITY-DEFINED BEN PLAN
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4DEFERRED COMPENSATION 457 F
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5OTHER LIABILITIES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt02190643
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt12721603
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATE OF DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CREDIT UNION OWNED LIFE INS POLICY
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/RevenueSubtotalAmt03314576
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02463826
IRS990ScheduleD/TotalBookValueSecuritiesAmt04912246
IRS990ScheduleD/TotalExpensesPerForm990Amt04581103
IRS990ScheduleD/TotalLiabilityAmt055516021
IRS990ScheduleD/TotalRevenuePerForm990Amt03314576
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount09211
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt07220
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0152
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ROBIN D THOMAS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENTANDCEO
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JAMES REMALIA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1DONALD SALSBURY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 9,495 MEMBER-OWNERS, EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP, GOVERNANCE AND VOTING RIGHTS AT THE ANNUAL MEETINGS.
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 EXPIRING ON A STAGGERED BASIS. CANDIDATES ARE ELECTED BY A SIMPLE PLURALITY VOTE. THE BOARD OF DIRECTORS HAS APPOINTED A CPA FIRM TO PERFORM SUPERVISORY COMMITTEE DUTIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PRIOR TO BEING FILED WITH THE IRS, A COPY OF THE IRS FORM 990 AND RELATED SCHEDULES ARE REVIEWED BY THE PRESIDENT/CEO, CONTROLLER, AND THE CREDIT UNIONS TAX PREPARER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BOARD MEMBERS AND OFFICERS ANNUALLY COMPLETE A SURVEY RELATED TO LOANS, BUSINESS RELATIONSHIPS, AND FAMILY MEMBERS THAT COULD CREATE A CONFLICT OF INTEREST. THESE SURVEYS ARE HELD AT THE MAIN OFFICE. CONFLICTS OF INTEREST ARE DETERMINED BY A REVIEW OF THE POTENTIAL CONFLICTS BY THE PRESIDENT/CEO AND THE BOARD OF DIRECTORS. IF A CONFLICT EXISTS, THEN THE CONFLICTED BOARD MEMBER IS EXCLUDED FROM VOTERS RELATED TO ANY POTENTIAL OR EXISTING RELATIONSHIPS INVOLVING THE CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PROCESS USED TO SET THE PRESIDENT/CEOS ANNUAL SALARY IS BASED ON A COMBINATION OF COMPARISON TO COMPARABLE SIZED CREDIT UNIONS THROUGH THE USE OF RECOMMENDATIONS FROM SALARY CONSULTANTS AND THE ATTAINMENT IN THE CURRENT YEAR OF PREDEFINED PERFORMANCE OBJECTIVES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE PROCESS USED TO SET THE COMPENSATION OF OFFICERS OR OTHER KEY EMPLOYEES IS BASED ON A COMBINATION OF COMPARABLE SIZED CREDIT UNIONS THROUGH THE USE OF RECOMMENDATIONS FROM SALARY CONSULTANTS AND THE ATTAINMENT IN THE CURRENT YEAR OF PREDEFINED PERFORMANCE OBJECTIVES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE CREDIT UNIONS FINANCIAL STATEMENTS ARE POSTED AT ALL OFFICE ENTRANCES AS REQUIRED BY STATE REGULATIONS. BY-LAWS, CONFLICT OF INTEREST POLICY AND OTHER GOVERNING DOCUMENTS CAN BE REVIEWED BY APPOINTMENT AT THE CREDIT UNIONS ADMINISTRATIVE OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE BOARD OF DIRECTORS SELECTS AN INDEPENDENT CPA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9UNREALIZED GAIN ON DEFINED BENEFIT PLAN OBLIGATIONS $43,697
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Loss on Asset Disposal $457,175457(B)Non-Operating Loss $ 10,748
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Governing documents etc available to public Part VI line 19

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