Civic Intelligence

Community Star Credit Union

990 • Fiscal year 2015 • EIN 34-0728231

Jan 01, 2015 to Dec 31, 2015 • Filed on May 04, 2016

Organization ProfileWWW.COMMSTAR.ORG

View Organization Page

832 Cleveland StreetElyria, OH 44035

(440) 365-7342

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

77th percentile

0.91x

Higher debt load relative to assets than 77% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

20th percentile

14.45x

Higher debt load relative to revenue than 20% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

50th percentile

9.0%

Higher net margin than 50% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

62nd percentile

$147,837

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 3.7% of source-year revenue.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

99th percentile

21%

Faster asset growth than 99% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

96th percentile

17%

Faster revenue growth than 96% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets77th percentile

Assets

Up

$63,801,919

Up $11,332,952 (+22%) from 2013

Net Assets

Up

$5,929,214

Up $1,564,130 (+36%) from 2013

Liabilities

Up

$57,872,705

Up $9,768,822 (+20%) from 2013

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin50th percentile

Revenue

Up

$4,005,869

Up $667,597 (+20%) from 2013

Expenses

Up

$3,646,931

Up $534,534 (+17%) from 2013

Net Income

Up

$358,938

Up $133,063 (+59%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth99th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$100M$50M$0Assets 2010: $48,378,561Liabilities 2010: $44,094,362Net Assets 2010: $4,284,1992010Assets 2011: $50,744,693Liabilities 2011: $46,546,453Net Assets 2011: $4,198,2402011Assets 2012: $51,056,313Liabilities 2012: $46,917,104Net Assets 2012: $4,139,2092012Assets 2013: $52,468,967Liabilities 2013: $48,103,883Net Assets 2013: $4,365,0842013Assets 2015: $63,801,919Liabilities 2015: $57,872,705Net Assets 2015: $5,929,2142015Assets 2016: $68,170,332Liabilities 2016: $61,948,137Net Assets 2016: $6,222,1952016Assets 2017: $70,892,212Liabilities 2017: $64,789,753Net Assets 2017: $6,102,4592017Assets 2018: $68,333,120Liabilities 2018: $61,633,421Net Assets 2018: $6,699,6992018Assets 2019: $72,250,823Liabilities 2019: $65,170,530Net Assets 2019: $7,080,2932019Assets 2020: $84,039,069Liabilities 2020: $76,698,738Net Assets 2020: $7,340,3312020Assets 2021: $90,685,850Liabilities 2021: $83,058,850Net Assets 2021: $7,627,0002021Assets 2022: $93,835,301Liabilities 2022: $85,788,909Net Assets 2022: $8,046,3922022Assets 2024: $98,603,668Liabilities 2024: $89,933,213Net Assets 2024: $8,670,4552024

Highlighted filing

2015

Assets$63,801,919
Liabilities$57,872,705
Net Assets$5,929,214
Open 2015 Filing

Operations Trend

Revenue Growth96th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $3,317,4502010Expenses 2011: $3,269,9902011Expenses 2012: $3,207,5642012Revenue 2013: $3,338,272Expenses 2013: $3,112,397Net Income 2013: $225,8752013Revenue 2015: $4,005,869Expenses 2015: $3,646,931Net Income 2015: $358,9382015Revenue 2016: $4,188,958Expenses 2016: $3,895,977Net Income 2016: $292,9812016Revenue 2017: $4,279,893Expenses 2017: $4,399,629Net Income 2017: -$119,7362017Revenue 2018: $4,687,682Expenses 2018: $4,090,442Net Income 2018: $597,2402018Revenue 2019: $4,162,864Expenses 2019: $3,782,270Net Income 2019: $380,5942019Revenue 2020: $4,270,161Expenses 2020: $4,010,123Net Income 2020: $260,0382020Revenue 2021: $4,042,454Expenses 2021: $3,755,785Net Income 2021: $286,6692021Revenue 2022: $4,333,361Expenses 2022: $3,913,969Net Income 2022: $419,3922022Revenue 2024: $6,168,845Expenses 2024: $5,597,004Net Income 2024: $571,8412024

Highlighted filing

2015

Revenue$4,005,869
Expenses$3,646,931
Net Income$358,938
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 4, 2016
Return Version
2015v2.1
Gross Receipts
$4,005,869
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$33,830,418$40,415,285▲ $6,584,867
Investments Other Securities$13,864,321$13,790,978▼ $73,343
Rtn Earn Endowment Incm Other Fnds$4,728,478$5,929,214▲ $1,200,736
Investments Program Related$627,244$2,704,790▲ $2,077,546
Savings and Temporary Cash Investments$547,229$2,451,305▲ $1,904,076
Cash and Non-Interest-Bearing Accounts$1,103,106$1,349,654▲ $246,548
Land, Buildings, and Equipment, Net$1,241,467$1,212,023▼ $29,444
Receivables From Officers Etc$464,076$464,609▲ $533
Total Assets$52,935,076$63,801,919▲ $10,866,843
Other Assets Total$1,257,215$1,413,275▲ $156,060
Liabilities
Other Liabilities$47,550,874$57,394,483▲ $9,843,609
Accounts Payable and Accrued Expenses$655,724$478,222▼ $177,502
Total Liabilities$48,206,598$57,872,705▲ $9,666,107
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,728,478$5,929,214▲ $1,200,736
Total Liabilities and Net Assets / Fund Balance$52,935,076$63,801,919▲ $10,866,843

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$477,689$420,248$897,937
Leasehold Improvements$307,075$547,917$854,992
Equipment$170,444$170,444$340,888
Land$256,815-$256,815
Investment Program Related Org$2,003,488--
Other Securities$5,344,940--
Compensation and Service Providers
Top Officer Pay62nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mark PattersonHceFT$147,837$147,837
Ernie JacksonCEOFT$102,118$102,118
Heidi MatiasCOOFT$68,832$68,832
John RadolecCFOFT$67,765$67,765
Richard NockCLOFT$60,809$60,809

Board Members and Trustees

NameTitle
Charles KennamerDirector
Edwin OleyDirector
R Patrick SutterDirector
Robert GavalekDirector
Sandra ClaarDirector
Timothy McmullenDirector
William MarkleDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,595,990
Investment Income
$409,879
Other Revenue
$0
Change in Net Assets
$358,938

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,005,869
Total Revenue per Audited Statements
$4,005,869
Total Revenue per Form 990
$4,005,869
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,840,791
Salaries, Compensation, and Employee Benefits$1,522,757
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,223,233
Information Technology---$398,219
Office Expenses---$319,281
Current Officers, Directors, Trustees, and Key Employees---$299,524
Fees for Services Other---$294,789
Occupancy---$284,256
Benefits to Members---$283,383
Other Expenses$50,858--$50,858
All Other Expenses---$29,491
Conferences and Meetings---$24,660
Total Functional Expenses$0$0$0$3,646,931

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,646,931
Total Expenses per Audited Statements$3,646,931
Total Expenses per Form 990$3,646,931
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$464,076$464,609▲ $533
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$57,394,483
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 9500 member-owners, each of which has equal rights in ownership, governance and voting rights at the annual meetings, with the exception of the member-owners who are elected to the board of directors”

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 on a rotating basis. Candidates are elected by a simple majority vote after it is determined a quorum is present.”

Governing body decisions Part VI line 7B

“Changes to the governing documents (bylaws) are allowed after approval of the board of directors and the regulatory agency.”

Form 990 governing body review Part VI line 11

“The form 990 will be reviewed by the governing body at a meeting with the ceo and/or cfo before it is filed.”

Conflict of interest policy compliance Part VI line 12C

“The organizations officers and directors are required annually to complete a conflict of interest disclosure form to be kept on file.”

CEO executive director top management comp Part VI line 15A

“The executive committee, made up of officers of the board, performs the performance review and makes adjustments based on performance goals and standards.”

Other officer or key employee compensation Part VI line 15B

“To determine compensation for officers or key employees, the president/ceo uses industry related salary surveys and publications and completes performance assessments.”

Governing documents etc available to public Part VI line 19

“Conflict of interest policy statements are maintained and available at request through the credit union president/ceo. Financial statements are available to members through postings in the lobby of the credit union, and are updated monthly. The by-laws are available for review by request to the president/ceo.”

Filing and Contact Details

Filer

Filer Name
Community Star Credit Union
EIN
34-0728231
Address
832 CLEVELAND STREET, ELYRIA, OH 44035

Signing Officer

Name
Ernie Jackson
Title
CEO
Phone
4403657342
Signed
2016-05-04
Discuss with paid preparer
No

Organization Details

Formed
1938
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
37
Volunteers
7

Preparer

Firm
CBS Certified Public Accountants
Address
34305 Solon Road 10, Solon, OH 44139
Preparer
Ronald Schmidt
Phone
4405421536
Supplemental Narrative

Additional Explanations

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

“MERGER”

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IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01257215
IRS990/OtherAssetsTotalGrp/EOYAmt01413275
IRS990/OtherChangesInNetAssetsAmt0841798
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2EDUCATION AND PROMOTION
IRS990/OtherExpensesGrp/Desc3OPERATING FEES
IRS990/OtherExpensesGrp/ProgramServicesAmt05832
IRS990/OtherExpensesGrp/ProgramServicesAmt1254063
IRS990/OtherExpensesGrp/ProgramServicesAmt2179342
IRS990/OtherExpensesGrp/ProgramServicesAmt350858
IRS990/OtherExpensesGrp/TotalAmt05832
IRS990/OtherExpensesGrp/TotalAmt1254063
IRS990/OtherExpensesGrp/TotalAmt2179342
IRS990/OtherExpensesGrp/TotalAmt350858
IRS990/OtherLiabilitiesGrp/BOYAmt047550874
IRS990/OtherLiabilitiesGrp/EOYAmt057394483
IRS990/OtherOrganizationDsc0CU
IRS990/OtherSalariesAndWagesGrp/TotalAmt01223233
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt033830418
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt040415285
IRS990/PartialLiquidationInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02127241
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11160297
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2308452
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02127241
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11160297
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2308452
IRS990/ProgSrvcAccomActy2Grp/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 CREDIT UNION OFFICE.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0398219
IRS990/ProgSrvcAccomActy3Grp/Desc0DIVIDENDS AND INTEREST PAID TO MEMBERS ON APPROXIMATELY 17,000 DEPOSIT ACCOUNTS HELD BY APPROXIMATELY 9,500 MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0283383
IRS990/ProgSrvcAccomActyOtherGrp/Desc0OTHER PROGRAM SERVICES
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0249435
IRS990/PYInvestmentIncomeAmt0376534
IRS990/PYOtherExpensesAmt01550256
IRS990/PYProgramServiceRevenueAmt03044385
IRS990/PYRevenuesLessExpensesAmt0363394
IRS990/PYSalariesCompEmpBnftPaidAmt01257834
IRS990/PYTotalExpensesAmt03057525
IRS990/PYTotalRevenueAmt03420919
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0464076
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0464609
IRS990/ReconcilationRevenueExpnssAmt0358938
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04728478
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05929214
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0547229
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02451305
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0477689
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0420248
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0897937
IRS990ScheduleD/EquipmentGrp/BookValueAmt0170444
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0170444
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0340888
IRS990ScheduleD/ExpensesSubtotalAmt03646931
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0701302
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt12003488
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0MEMBERSHIP CAPITAL
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CORPORATE CREDIT UNION INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt0256815
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0256815
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0307075
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0547917
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0854992
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt057394483
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt08446038
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt15344940
IRS990ScheduleD/OtherSecuritiesGrp/Desc0DEPOSITS IN COMMERCIAL BANKS S&LS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/RevenueSubtotalAmt04005869
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01212023
IRS990ScheduleD/TotalBookValueProgramRltdAmt02704790
IRS990ScheduleD/TotalBookValueSecuritiesAmt013790978
IRS990ScheduleD/TotalExpensesPerForm990Amt03646931
IRS990ScheduleD/TotalLiabilityAmt057394483
IRS990ScheduleD/TotalRevenuePerForm990Amt04005869
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04005869
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03646931
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt05187
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt118416
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt211244
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt317851
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt495311
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt523782
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt6139677
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt715083
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt82077
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt95466
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt10100761
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1129754
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd11false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3LOAM
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt07339
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt125430
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt215000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt335000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt495950
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt533000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt6153600
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt719200
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt86555
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt912333
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt10120000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1130000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0ERNIE JACKSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1JOHN RADOLEC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2JOHN RADOLEC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3HEIDI MATIAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4HEIDI MATIAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5HEIDI MATIAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6ROBERT SUTTER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7ROBERT SUTTER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8SANDRA CLAAR

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$63,801,919
Liabilities
$57,872,705
Net assets
$5,929,214
Revenue
$4,005,869
Expenses
$3,646,931
Net income
$358,938
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$98.6$89.9$8.67$6.17$5.60$0.57
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$93.8$85.8$8.05$4.33$3.91$0.42
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$90.7$83.1$7.63$4.04$3.76$0.29
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$84.0$76.7$7.34$4.27$4.01$0.26
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$72.3$65.2$7.08$4.16$3.78$0.38
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$68.3$61.6$6.70$4.69$4.09$0.60
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$70.9$64.8$6.10$4.28$4.40$0.12
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$68.2$61.9$6.22$4.19$3.90$0.29
2015Detailed filing. Detailed filing data is available for this year.$63.8$57.9$5.93$4.01$3.65$0.36
2013Detailed filing. Detailed filing data is available for this year.$52.5$48.1$4.37$3.34$3.11$0.23
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$51.1$46.9$4.14$3.21
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.7$46.5$4.20$3.27
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.4$44.1$4.28$3.32
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $50M-$100M nonprofits