Civic Intelligence

Community Star Credit Union

990 • Fiscal year 2019 • EIN 34-0728231

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 28, 2020

Organization ProfileWWW.COMMSTAR.ORG

View Organization Page

832 Cleveland StreetElyria, OH 44035

(440) 545-2035

Siviq Scores

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

Liabilities / Assets

78th percentile

0.90x

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

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Liabilities / Revenue

37th percentile

15.66x

Higher debt load relative to revenue than 37% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Net Margin

36th percentile

9.1%

Higher net margin than 36% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Top Officer Pay

33rd percentile

$130,476

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Asset Growth

71st percentile

5.7%

Faster asset growth than 71% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Revenue Growth

2nd percentile

-11%

Faster revenue growth than 2% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets78th percentile

Assets

Up

$72,250,823

Up $3,917,703 (+5.7%) from 2018

Net Assets

Up

$7,080,293

Up $380,594 (+5.7%) from 2018

Liabilities

Up

$65,170,530

Up $3,537,109 (+5.7%) from 2018

Revenue And Expenses
Liabilities / Revenue37th percentileNet Margin36th percentile

Revenue

Down

$4,162,864

Down $524,818 (-11%) from 2018

Expenses

Down

$3,782,270

Down $308,172 (-7.5%) from 2018

Net Income

Down

$380,594

Down $216,646 (-36%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth71st 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

2019

Assets$72,250,823
Liabilities$65,170,530
Net Assets$7,080,293
Open 2019 Filing

Operations Trend

Revenue Growth2nd 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

2019

Revenue$4,162,864
Expenses$3,782,270
Net Income$380,594
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 28, 2020
Return Version
2019v5.1
Gross Receipts
$4,162,864
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$48,125,133$43,240,865▼ $4,884,268
Investments Other Securities$13,357,008$15,936,043▲ $2,579,035
Savings and Temporary Cash Investments$1,181,493$7,455,119▲ $6,273,626
Rtn Earn Endowment Incm Other Fnds$6,699,699$7,080,293▲ $380,594
Land, Buildings, and Equipment, Net$2,077,450$2,000,516▼ $76,934
Cash and Non-Interest-Bearing Accounts$1,006,890$1,071,546▲ $64,656
Receivables From Officers Etc$533,917$514,518▼ $19,399
Investments Program Related$501,302$501,302→ $0
Total Assets$68,333,120$72,250,823▲ $3,917,703
Other Assets Total$1,549,927$1,530,914▼ $19,013
Liabilities
Other Liabilities$61,171,776$65,118,510▲ $3,946,734
Accounts Payable and Accrued Expenses$461,645$52,020▼ $409,625
Total Liabilities$61,633,421$65,170,530▲ $3,537,109
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,699,699$7,080,293▲ $380,594
Total Liabilities and Net Assets / Fund Balance$68,333,120$72,250,823▲ $3,917,703

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,488,790$1,201,556$2,690,346
Equipment$232,056$1,331,334$1,563,390
Land$256,815-$256,815
Leasehold Improvements$22,855$158,277$181,132
Investment Program Related Org$501,302--
Other Securities$7,339,043--
Compensation and Service Providers
Top Officer Pay33rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mark PattersonHceFT$130,476$130,476
David JezewskiCEOFT$106,799$106,799
John RadolecCFOFT$85,849$85,849
Heidi MatiasCOOFT$83,133$83,133
Richard NockCLOFT$78,140$78,140

Board Members and Trustees

NameTitle
Elijah WrehDirector
Joshua MackDirector
R Patrick SutterDirector
Rebecca HetrickDirector
Sandra ClaarDirector
William MarkleDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,908,855
Investment Income
$254,009
Other Revenue
$0
Change in Net Assets
$380,594

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,162,864
Total Revenue per Audited Statements
$4,162,864
Total Revenue per Form 990
$4,162,864
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,758,568
Salaries, Compensation, and Employee Benefits$1,583,590
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,099,193
Current Officers, Directors, Trustees, and Key Employees---$484,397
Information Technology---$473,637
Benefits to Members---$440,112
Occupancy---$261,867
All Other Expenses---$261,217
Office Expenses---$167,759
Other Expenses$64,300--$64,300
Conferences and Meetings---$25,136
Fees for Services Legal---$18,224
Fees for Services Accounting---$18,175
Total Functional Expenses$0$0$0$3,782,270

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,782,270
Total Expenses per Audited Statements$3,782,270
Total Expenses per Form 990$3,782,270
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$533,917$514,518▼ $19,399
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$65,118,510
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“The credit union is comprised of a single class of approximately 9100 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 board performs the final performance evaluation and compensation and the board chairman conducts the review with the ceo.”

Other officer or key employee compensation Part VI line 15B

“The ceo conducts annual performance reviews and makes compensation adjustments when appropriate.”

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
CEO
Phone
4403657342
Signed
2020-10-28
Discuss with paid preparer
Yes

Organization Details

Formed
1938
Legal Domicile
Oh
Voting Board Members
5
Independent Board Members
5
Employees
33

Preparer

Firm
Cbs Cpas LLC
Address
34305 Solon Rd Ste 10, Solon, OH 44139
Preparer
Ronald Schmidt
Phone
4405421536
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IRS990/OtherExpensesGrp/TotalAmt090996
IRS990/OtherExpensesGrp/TotalAmt1291463
IRS990/OtherExpensesGrp/TotalAmt285794
IRS990/OtherExpensesGrp/TotalAmt364300
IRS990/OtherLiabilitiesGrp/BOYAmt061171776
IRS990/OtherLiabilitiesGrp/EOYAmt065118510
IRS990/OtherOrganizationDsc0CU
IRS990/OtherSalariesAndWagesGrp/TotalAmt01099193
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt048125133
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt043240865
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/RelatedOrExemptFuncIncomeAmt02245774
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11014820
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2662438
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3-14177
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02245774
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11014820
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2662438
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3-14177
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/ExpenseAmt0473637
IRS990/ProgSrvcAccomActy3Grp/Desc0DIVIDENDS AND INTEREST PAID TO MEMBERS ON APPROXIMATELY 17,400 DEPOSIT ACCOUNTS HELD BY APPROXIMATELY 9,100 MEMBERS
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0440112
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0352847
IRS990/PYInvestmentIncomeAmt0288574
IRS990/PYOtherExpensesAmt02146953
IRS990/PYProgramServiceRevenueAmt04399108
IRS990/PYRevenuesLessExpensesAmt0597240
IRS990/PYSalariesCompEmpBnftPaidAmt01590642
IRS990/PYTotalExpensesAmt04090442
IRS990/PYTotalRevenueAmt04687682
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0533917
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0514518
IRS990/ReconcilationRevenueExpnssAmt0380594
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06699699
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07080293
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01181493
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07455119
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01488790
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01201556
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02690346
IRS990ScheduleD/EquipmentGrp/BookValueAmt0232056
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01331334
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01563390
IRS990ScheduleD/ExpensesSubtotalAmt03782270
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0501302
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0MEMBERSHIP CAPITAL
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt0256815
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0256815
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt022855
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0158277
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0181132
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt065118510
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt08597000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt17339043
IRS990ScheduleD/OtherSecuritiesGrp/Desc0DEPOSITS IN COMMERCIAL BANKS S&LS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/RevenueSubtotalAmt04162864
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02000516
IRS990ScheduleD/TotalBookValueProgramRltdAmt0501302
IRS990ScheduleD/TotalBookValueSecuritiesAmt015936043
IRS990ScheduleD/TotalExpensesPerForm990Amt03782270
IRS990ScheduleD/TotalLiabilityAmt065118510
IRS990ScheduleD/TotalRevenuePerForm990Amt04162864
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04162864
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03782270
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt024337
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1126376
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt210213
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt358633
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt46777
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt511733
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt68887
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt718782
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt829935
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt9144744
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1039974
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1133918
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt12209
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/BoardOrCommitteeApprovalInd12false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd13false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd14true
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/DefaultInd12false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd13false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd14false
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/LoanFromOrganizationInd12X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd13X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd14X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7PERSONAL LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8PERSONAL LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9PERSONAL LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt12PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt13MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt14HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt015000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt137515
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2360000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt3153600
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt419200
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt565000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt624678
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt725000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt825000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt924000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1039754
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt11190000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1247102
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1363000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1450000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JOHN RADOLEC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1HEIDI MATIAS

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$72,250,823
Liabilities
$65,170,530
Net assets
$7,080,293
Revenue
$4,162,864
Expenses
$3,782,270
Net income
$380,594
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
2019Detailed filing. Detailed filing data is available for this year.$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