Civic Intelligence

Cardinal Credit Union Inc

EIN 34-0825291 • 501(c)14 • Mentor, OH

View Organization Page

Profile

Provide financial services to qualified members.

8500 Westport DriveMentor, OH 44060

www.cardinalcu.com

Siviq Scores

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

Liabilities / Assets

41st percentile

0.90x

Higher debt load relative to assets than 41% of similar nonprofits.

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

Liabilities / Revenue

45th percentile

15.09x

Higher debt load relative to revenue than 45% of similar nonprofits.

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

Net Margin

9th percentile

0.1%

Higher net margin than 9% of similar nonprofits.

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

Top Officer Pay

39th percentile

$426,935

Higher top officer pay than 39% of similar nonprofits.

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

$250M-$1B nonprofits • Source year 2022

Asset Growth

62nd percentile

4.1%

Faster asset growth than 62% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Revenue Growth

54th percentile

16%

Faster revenue growth than 54% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets41st percentile

Assets

Up

$313,245,406

Up $24,357,993 (+8.4%) from 2022

Liabilities

Up

$280,639,010

Up $24,227,628 (+9.4%) from 2022

Net Assets

Up

$32,606,396

Up $130,365 (+0.4%) from 2022

Operations
Liabilities / Revenue45th percentileNet Margin9th percentile

Revenue

Up

$18,595,732

Up $4,878,161 (+36%) from 2022

Expenses

Up

$18,569,996

Up $5,842,499 (+46%) from 2022

Net Income

Down

$25,736

Down $964,338 (-97%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth62nd percentile

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

$400M$300M$200M$100M$0Assets 2010: $153,678,259Liabilities 2010: $137,591,615Net Assets 2010: $16,086,6442010Assets 2011: $155,927,160Liabilities 2011: $138,611,005Net Assets 2011: $17,316,1552011Assets 2012: $170,795,223Liabilities 2012: $152,571,769Net Assets 2012: $18,223,4542012Assets 2013: $175,147,763Liabilities 2013: $156,120,257Net Assets 2013: $19,027,5062013Assets 2015: $191,821,706Liabilities 2015: $170,582,565Net Assets 2015: $21,239,1412015Assets 2016: $243,080,984Liabilities 2016: $216,070,835Net Assets 2016: $27,010,1492016Assets 2017: $244,094,805Liabilities 2017: $215,462,994Net Assets 2017: $28,631,8112017Assets 2018: $238,914,685Liabilities 2018: $209,443,236Net Assets 2018: $29,471,4492018Assets 2019: $236,151,339Liabilities 2019: $205,562,694Net Assets 2019: $30,588,6452019Assets 2020: $262,084,279Liabilities 2020: $229,858,649Net Assets 2020: $32,225,6302020Assets 2021: $282,642,743Liabilities 2021: $248,236,980Net Assets 2021: $34,405,7632021Assets 2022: $288,887,413Liabilities 2022: $256,411,382Net Assets 2022: $32,476,0312022Assets 2024: $313,245,406Liabilities 2024: $280,639,010Net Assets 2024: $32,606,3962024

Highlighted filing

2024

Assets$313,245,406
Liabilities$280,639,010
Net Assets$32,606,396
Open 2024 Filing

Operations Trend

Revenue Growth54th percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $7,528,3872010Expenses 2011: $6,838,3512011Expenses 2012: $7,224,4872012Revenue 2013: $7,789,443Expenses 2013: $7,559,914Net Income 2013: $229,5292013Revenue 2015: $10,203,908Expenses 2015: $9,519,003Net Income 2015: $684,9052015Revenue 2016: $12,355,265Expenses 2016: $11,051,467Net Income 2016: $1,303,7982016Revenue 2017: $14,631,695Expenses 2017: $13,303,850Net Income 2017: $1,327,8452017Revenue 2018: $14,642,083Expenses 2018: $13,748,425Net Income 2018: $893,6582018Revenue 2019: $14,097,164Expenses 2019: $13,234,778Net Income 2019: $862,3862019Revenue 2020: $13,922,243Expenses 2020: $12,262,138Net Income 2020: $1,660,1052020Revenue 2021: $13,219,321Expenses 2021: $10,449,396Net Income 2021: $2,769,9252021Revenue 2022: $13,717,571Expenses 2022: $12,727,497Net Income 2022: $990,0742022Revenue 2024: $18,595,732Expenses 2024: $18,569,996Net Income 2024: $25,7362024

Highlighted filing

2024

Revenue$18,595,732
Expenses$18,569,996
Net Income$25,736
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
$313,245,406
Liabilities
$280,639,010
Net assets
$32,606,396
Revenue
$18,595,732
Expenses
$18,569,996
Net income
$25,736
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$313$281$32.6$18.6$18.6$0.03
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$289$256$32.5$13.7$12.7$0.99
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$283$248$34.4$13.2$10.4$2.77
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$262$230$32.2$13.9$12.3$1.66
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$236$206$30.6$14.1$13.2$0.86
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$239$209$29.5$14.6$13.7$0.89
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$244$215$28.6$14.6$13.3$1.33
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$243$216$27.0$12.4$11.1$1.30
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$192$171$21.2$10.2$9.52$0.68
2013Detailed filing. Detailed filing data is available for this year.$175$156$19.0$7.79$7.56$0.23
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$171$153$18.2$7.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$156$139$17.3$6.84
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$154$138$16.1$7.53
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 8, 2023
Return Version
2022v5.0
Gross Receipts
$16,702,035
Mission and Program Overview

Mission

Provide financial services to qualified members.

Provide financial services to qualified members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$207,446,566$222,317,085▲ $14,870,519
Rtn Earn Endowment Incm Other Fnds$34,405,763$32,476,031▼ $1,929,732
Investments in Publicly Traded Securities$27,974,928$20,398,969▼ $7,575,959
Savings and Temporary Cash Investments$23,287,279$18,711,739▼ $4,575,540
Investments Other Securities$6,976,693$6,500,182▼ $476,511
Land, Buildings, and Equipment, Net$4,217,478$5,980,084▲ $1,762,606
Cash and Non-Interest-Bearing Accounts$3,143,892$3,170,599▲ $26,707
Prepaid Expenses and Deferred Charges$381,361$425,654▲ $44,293
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$282,642,743$288,887,413▲ $6,244,670
Other Assets Total$9,214,546$11,383,101▲ $2,168,555
Liabilities
Other Liabilities$244,202,567$250,906,676▲ $6,704,109
Accounts Payable and Accrued Expenses$2,038,309$3,497,503▲ $1,459,194
Escrow Account Liability$1,996,104$2,007,203▲ $11,099
Total Liabilities$248,236,980$256,411,382▲ $8,174,402
Net Assets / Fund Balance
Total Net Assets Fund Balance$34,405,763$32,476,031▼ $1,929,732
Total Liabilities and Net Assets / Fund Balance$282,642,743$288,887,413▲ $6,244,670

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,265,813$1,764,827$6,030,640
Equipment$546,118$1,858,489$2,404,607
Land$1,168,153-$1,168,153
Compensation and Service Providers
Top Officer Pay39th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christine BlakePresident/CEOFT$342,494$84,441$426,935
Lanny BerlingieriCFOFT$185,155$31,038$216,193
Mario DuvnjakCOOFT$166,883$31,538$198,421
Justas AdomaviciusCLOFT$133,034$8,842$141,876
Renee MullenDirector of LendingFT$106,459$10,899$117,358
Chad DeanCommerical Loan OrignatorFT$81,389$31,247$112,636

Board Members and Trustees

NameTitle
Sandy HamoChairwoman of the Board
Jeff ShibleyVice-chairman of the Board
James BrumbaughDirector
James GrayDirector
KATHLEEN O'CONNELL-BURTONDirector
Kenneth DekenDirector
Randy MearsSecretary
Ed BrownTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,933,409
Investment Income
$743,898
Other Revenue
$40,264
Change in Net Assets
$990,074

Audited Revenue Reconciliation

Revenue per Audited Statements
$13,717,571
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$149,565
Total Revenue per Audited Statements
$13,867,136
Total Revenue per Form 990
$13,717,571
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$6,372,974
Other Expenses$6,354,523
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,253,639
Advertising---$1,217,367
Current Officers, Directors, Trustees, and Key Employees---$1,213,419
Office Expenses---$852,948
Information Technology---$700,115
Fees for Services Management---$467,038
Occupancy---$423,109
Other Employee Benefits---$382,599
Payroll Taxes---$380,648
Interest---$315,234
Depreciation Depletion---$246,082
Travel---$198,972
Other Expenses---$155,520
Pension Plan Contributions---$142,669
Insurance---$67,898
Conferences and Meetings---$48,488
Fees for Services Accounting---$38,934
Fees for Services Legal---$14,795
Fees for Service Investment Mgmnt Fees---$8,976
Total Functional Expenses$0$0$0$12,727,497

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$12,877,062
Total Expenses per Audited Statements$12,877,062
Total Expenses per Form 990$12,727,497
Expenses Not Reported on Form 990$0
Expenses Not Reported on Financial Statements$-149,565
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$250,890,608
Accrued Dividends and Interest$16,068
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 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

Form 990, Part VI, Section A, Line 6

“Membership is required for the credit union through select group qualifications.”

Form 990, Part VI, Section A, Line 7A

“The board of directors is elected by the membership.”

Form 990, Part VI, Section A, Line 7B

“Certain changes are subject to member approval.”

Form 990, Part VI, Section B, Line 11B

“The forms are reviewed by the ceo, the board of directors and cfo of the financial institution. The form is provided to the board prior to filing.”

Form 990, Part VI, Section B, Line 12C

“The board of directors and officers are required to review and sign the conflict agreement annually.”

Form 990, Part VI, Section B, Line 15

“Compensation is reviewed by the executive committee. Comparative market data is also used from a third party source.”

Form 990, Part VI, Section C, Line 19

“The institution's financial statements are posted publically. The governing documents and conflict of interest policy are available upon request.”

Filing and Contact Details

Filer

Filer Name
Cardinal Credit Union Inc
EIN
34-0825291
Phone
4402662200
Address
8500 WESTPORT DRIVE, MENTOR, OH 44060

Signing Officer

Name
Christine Blake
Title
President/CEO
Phone
4402662200
Signed
2023-11-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christine Blake
Formed
1953
Legal Domicile
Oh
Voting Board Members
8
Independent Board Members
8
Employees
99
Volunteers
8

Preparer

Firm
Gbq Partners LLC
Address
4030 SMITH ROAD STE 400, CINCINNATI, OH 45209
Preparer
Greg Heimkreiter
Phone
5138713033
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“Mortgage loan escrow for insurance and taxes.”

PART X, LINE 2:

“The credit union accounts for uncertainty in income taxes in its financial statements as required under fasb asc, accounting for uncertainty in income taxes. The standard prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The standard also provides guidance on de-recognition, classification, interest and penalties, accounting in interim periods, disclosure and transition accounting. The credit union's income tax returns prior to 2018 are closed. Management determined there were no material uncertain positions taken by the credit union in its tax returns.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Other revenue-available for sale investment sales at a loss 149,565.”

Raw XML AppendixShowing 400 of 511 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/AccountantCompileOrReviewInd00
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IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0PROVIDE FINANCIAL SERVICES TO QUALIFIED MEMBERS
IRS990/AdvertisingGrp/TotalAmt01217367
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0CHRISTINE BLAKE
IRS990/BooksInCareOfDetail/PhoneNum04402662200
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt08500 WESTPORT DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0MENTOR
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OH
IRS990/BooksInCareOfDetail/USAddress/ZIPCd044060
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IRS990/CashNonInterestBearingGrp/EOYAmt03170599
IRS990/ChangeToOrgDocumentsInd00
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IRS990/CollectionsOfArtInd00
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IRS990/CompensationFromOtherSrcsInd00
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IRS990/CompensationProcessOtherInd01
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IRS990/Form990PartVIISectionAGrp/PersonNm13CHAD DEAN
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE-CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIRWOMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9COO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt13COMMERICAL LOAN ORIGNATOR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0102037
IRS990/GainOrLossGrp/SecuritiesAmt0-149565
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0598501
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt02338435
IRS990/GrossReceiptsAmt016702035
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0700115
IRS990/InsuranceGrp/TotalAmt067898
IRS990/InterestGrp/TotalAmt0315234
IRS990/InvestmentIncomeGrp/ExclusionAmt0791426
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0791426
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt06976693
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt06500182
IRS990/InvestmentsPubTradedSecGrp/BOYAmt027974928
IRS990/InvestmentsPubTradedSecGrp/EOYAmt020398969
IRS990/IRPDocumentCnt05662
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03623316
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04217478
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05980084
IRS990/LandBldgEquipCostOrOtherBssAmt09603400
IRS990/LegalDomicileStateCd0OH
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0496464
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt02488000
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROVIDE FINANCIAL SERVICES TO QUALIFIED MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt034405763
IRS990/NetAssetsOrFundBalancesEOYAmt032476031
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-47528
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-47528
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-2919806
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0423109
IRS990/OfficeExpensesGrp/TotalAmt0852948
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09214546
IRS990/OtherAssetsTotalGrp/EOYAmt011383101
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0382599
IRS990/OtherExpensesGrp/Desc0PROCESSING FEES
IRS990/OtherExpensesGrp/Desc1MISC OPERATING EXPENSES
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt01281925
IRS990/OtherExpensesGrp/TotalAmt1317122
IRS990/OtherExpensesGrp/TotalAmt2155520
IRS990/OtherLiabilitiesGrp/BOYAmt0244202567
IRS990/OtherLiabilitiesGrp/EOYAmt0250906676
IRS990/OtherSalariesAndWagesGrp/TotalAmt04253639
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0207446566
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0222317085
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0380648
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0142669
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0381361
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0425654
IRS990/PrincipalOfficerNm0CHRISTINE BLAKE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND COMMISSIONS
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt09307870
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13524152
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt241890
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt09307870
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13583649
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt241890
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt059497
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0564493
IRS990/PYOtherExpensesAmt05610133
IRS990/PYOtherRevenueAmt033895
IRS990/PYProgramServiceRevenueAmt012620933
IRS990/PYRevenuesLessExpensesAmt02769925
IRS990/PYSalariesCompEmpBnftPaidAmt04839263
IRS990/PYTotalExpensesAmt010449396
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt013219321
IRS990/ReconcilationRevenueExpnssAmt0990074
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt040264
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt040264
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt034405763
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt032476031
IRS990/SavingsAndTempCashInvstGrp/BOYAmt023287279
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018711739
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04265813
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01764827
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06030640
IRS990ScheduleD/EquipmentGrp/BookValueAmt0546118
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01858489
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02404607
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0-149565
IRS990ScheduleD/ExpensesSubtotalAmt012877062
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt0-149565
IRS990ScheduleD/LandGrp/BookValueAmt01168153
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01168153
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0250890608
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt116068
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED DIVIDENDS AND INTEREST
IRS990ScheduleD/OtherRevenueAmt0149565
IRS990ScheduleD/RevenueNotReportedAmt0149565
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt013717571
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MORTGAGE LOAN ESCROW FOR INSURANCE AND TAXES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ITS FINANCIAL STATEMENTS AS REQUIRED UNDER FASB ASC, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THE STANDARD PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE STANDARD ALSO PROVIDES GUIDANCE ON DE-RECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION ACCOUNTING. THE CREDIT UNION'S INCOME TAX RETURNS PRIOR TO 2018 ARE CLOSED. MANAGEMENT DETERMINED THERE WERE NO MATERIAL UNCERTAIN POSITIONS TAKEN BY THE CREDIT UNION IN ITS TAX RETURNS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2OTHER REVENUE-AVAILABLE FOR SALE INVESTMENT SALES AT A LOSS 149,565.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05980084
IRS990ScheduleD/TotalExpensesPerForm990Amt012727497
IRS990ScheduleD/TotalLiabilityAmt0250906676
IRS990ScheduleD/TotalRevenuePerForm990Amt013717571
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt013867136
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt012877062
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0342494
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1185155
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2166883
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt381389
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount030000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount119200
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount219200
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount320595
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt045067
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt18243
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt25175
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt32803
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt0300
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt13595
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt27163
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt37849
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt09074
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CHRISTINE BLAKE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1LANNY BERLINGIERI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2MARIO DUVNJAK
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3CHAD DEAN

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