Civic Intelligence

Community Star Credit Union

990 • Fiscal year 2016 • EIN 34-0728231

Jan 01, 2016 to Dec 31, 2016 • Filed on May 10, 2017

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

78th percentile

0.91x

Higher debt load relative to assets than 78% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

23rd percentile

14.79x

Higher debt load relative to revenue than 23% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

44th percentile

7.0%

Higher net margin than 44% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

63rd percentile

$151,642

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 3.6% of source-year revenue.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

78th percentile

6.8%

Faster asset growth than 78% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

55th percentile

4.6%

Faster revenue growth than 55% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets78th percentile

Assets

Up

$68,170,332

Up $4,368,413 (+6.8%) from 2015

Net Assets

Up

$6,222,195

Up $292,981 (+4.9%) from 2015

Liabilities

Up

$61,948,137

Up $4,075,432 (+7.0%) from 2015

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin44th percentile

Revenue

Up

$4,188,958

Up $183,089 (+4.6%) from 2015

Expenses

Up

$3,895,977

Up $249,046 (+6.8%) from 2015

Net Income

Down

$292,981

Down $65,957 (-18%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth78th 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

2016

Assets$68,170,332
Liabilities$61,948,137
Net Assets$6,222,195
Open 2016 Filing

Operations Trend

Revenue Growth55th 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

2016

Revenue$4,188,958
Expenses$3,895,977
Net Income$292,981
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 10, 2017
Return Version
2016v3.0
Gross Receipts
$4,188,958
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$40,415,285$47,333,228▲ $6,917,943
Investments Other Securities$13,790,978$13,002,813▼ $788,165
Rtn Earn Endowment Incm Other Fnds$5,929,214$6,222,195▲ $292,981
Savings and Temporary Cash Investments$2,451,305$2,881,097▲ $429,792
Cash and Non-Interest-Bearing Accounts$1,349,654$1,194,762▼ $154,892
Land, Buildings, and Equipment, Net$1,212,023$1,192,438▼ $19,585
Investments Program Related$2,704,790$501,302▼ $2,203,488
Receivables From Officers Etc$464,609$462,633▼ $1,976
Total Assets$63,801,919$68,170,332▲ $4,368,413
Other Assets Total$1,413,275$1,602,059▲ $188,784
Liabilities
Other Liabilities$57,394,483$61,490,724▲ $4,096,241
Accounts Payable and Accrued Expenses$478,222$457,413▼ $20,809
Total Liabilities$57,872,705$61,948,137▲ $4,075,432
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,929,214$6,222,195▲ $292,981
Total Liabilities and Net Assets / Fund Balance$63,801,919$68,170,332▲ $4,368,413

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$724,773$56,820$781,593
Land$256,815-$256,815
Equipment$123,316$89,861$213,177
Leasehold Improvements$87,534$22,260$109,794
Investment Program Related Org$501,302--
Other Securities$5,773,719--
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mark PattersonHceFT$151,642$151,642
Ernie JacksonCEOFT$107,824$107,824
Heidi MatiasCOOFT$71,210$71,210
John RadolecCFOFT$70,398$70,398
Richard NockCLOFT$62,895$62,895

Board Members and Trustees

NameTitle
Charles KennamerDirector
Edwin OleyDirector
Lisa Hart LaskyDirector
R Patrick SutterDirector
Sandra ClaarDirector
Timothy McmullenDirector
William MarkleDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,763,837
Investment Income
$425,121
Other Revenue
$0
Change in Net Assets
$292,981

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,188,958
Total Revenue per Audited Statements
$4,188,958
Total Revenue per Form 990
$4,188,958
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,042,824
Salaries, Compensation, and Employee Benefits$1,532,442
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,068,472
Current Officers, Directors, Trustees, and Key Employees---$463,970
Information Technology---$407,128
Benefits to Members---$320,711
Office Expenses---$305,921
Occupancy---$278,995
Fees for Services Other---$205,792
All Other Expenses---$201,131
Other Expenses$63,918--$63,918
Conferences and Meetings---$29,498
Insurance---$23,244
Fees for Services Accounting---$17,200
Total Functional Expenses$0$0$0$3,895,977

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,895,977
Total Expenses per Audited Statements$3,895,977
Total Expenses per Form 990$3,895,977
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$464,609$462,633▼ $1,976
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$61,490,724
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
David Jezewski
Title
PresidentCEO
Phone
4403657342
Signed
2017-05-10
Discuss with paid preparer
No

Organization Details

Formed
1938
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
35
Volunteers
7

Preparer

Firm
CBS Certified Public Accountants
Address
34305 Solon Road 10, Solon, OH 44139
Preparer
Ronald Schmidt
Phone
4405421536
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IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01413275
IRS990/OtherAssetsTotalGrp/EOYAmt01602059
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2EDUCATION AND PROMOTION
IRS990/OtherExpensesGrp/Desc3OPERATING FEES
IRS990/OtherExpensesGrp/ProgramServicesAmt0105175
IRS990/OtherExpensesGrp/ProgramServicesAmt1264581
IRS990/OtherExpensesGrp/ProgramServicesAmt2140241
IRS990/OtherExpensesGrp/ProgramServicesAmt363918
IRS990/OtherExpensesGrp/TotalAmt0105175
IRS990/OtherExpensesGrp/TotalAmt1264581
IRS990/OtherExpensesGrp/TotalAmt2140241
IRS990/OtherExpensesGrp/TotalAmt363918
IRS990/OtherLiabilitiesGrp/BOYAmt057394483
IRS990/OtherLiabilitiesGrp/EOYAmt061490724
IRS990/OtherOrganizationDsc0CU
IRS990/OtherSalariesAndWagesGrp/TotalAmt01068472
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt040415285
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt047333228
IRS990/PartialLiquidationInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc3OTHER NON OPERATING INC
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02253687
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11147066
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2314828
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt348256
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02253687
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11147066
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2314828
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt348256
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/ExpenseAmt0407128
IRS990/ProgSrvcAccomActy3Grp/Desc0DIVIDENDS AND INTEREST PAID TO MEMBERS ON APPROXIMATELY 17,000 DEPOSIT ACCOUNTS HELD BY APPROXIMATELY 9,500 MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0320711
IRS990/ProgSrvcAccomActyOtherGrp/Desc0OTHER PROGRAM SERVICES
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0283383
IRS990/PYInvestmentIncomeAmt0409879
IRS990/PYOtherExpensesAmt01840791
IRS990/PYProgramServiceRevenueAmt03595990
IRS990/PYRevenuesLessExpensesAmt0358938
IRS990/PYSalariesCompEmpBnftPaidAmt01522757
IRS990/PYTotalExpensesAmt03646931
IRS990/PYTotalRevenueAmt04005869
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0464609
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0462633
IRS990/ReconcilationRevenueExpnssAmt0292981
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05929214
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06222195
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02451305
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02881097
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0724773
IRS990ScheduleD/BuildingsGrp/DepreciationAmt056820
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0781593
IRS990ScheduleD/EquipmentGrp/BookValueAmt0123316
IRS990ScheduleD/EquipmentGrp/DepreciationAmt089861
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0213177
IRS990ScheduleD/ExpensesSubtotalAmt03895977
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0501302
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0MEMBERSHIP CAPITAL
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CORPORATE CREDIT UNION INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt0256815
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0256815
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt087534
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt022260
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0109794
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt061490724
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt07229094
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt15773719
IRS990ScheduleD/OtherSecuritiesGrp/Desc0DEPOSITS IN COMMERCIAL BANKS S&LS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/RevenueSubtotalAmt04188958
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01192438
IRS990ScheduleD/TotalBookValueProgramRltdAmt0501302
IRS990ScheduleD/TotalBookValueSecuritiesAmt013002813
IRS990ScheduleD/TotalExpensesPerForm990Amt03895977
IRS990ScheduleD/TotalLiabilityAmt061490724
IRS990ScheduleD/TotalRevenuePerForm990Amt04188958
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04188958
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03895977
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0151642
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Mark Patterson
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0HCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0151642
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt03265
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt18076
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt212315
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt390156
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt418727
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5137387
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt614003
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt794423
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt862734
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt921547
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/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/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/LoanPurposeTxt0LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2LOAM
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt07339
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt115000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt235000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt395950
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt433000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt5153600
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt619200
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt7120000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt865000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt924678
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0ERNIE JACKSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1JOHN RADOLEC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2HEIDI MATIAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3HEIDI MATIAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4HEIDI MATIAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5ROBERT SUTTER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6ROBERT SUTTER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7TIM MCMULLEN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8RICK NOCK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9ROBERT SUTTER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1OFFICER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2COO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3COO

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$68,170,332
Liabilities
$61,948,137
Net assets
$6,222,195
Revenue
$4,188,958
Expenses
$3,895,977
Net income
$292,981
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
2016Detailed filing. Detailed filing data is available for this year.$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