Civic Intelligence

Faith Community United Credit Union

990 • Fiscal year 2013 • EIN 34-0827524

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 24, 2014

Organization ProfileWWW.FAITHCOMMCU.COM

View Organization Page

3550 E 93rd Street44105

(216) 271-7111

Siviq Scores

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

Liabilities / Assets

32nd percentile

0.84x

Higher debt load relative to assets than 32% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

12th percentile

8.89x

Higher debt load relative to revenue than 12% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

64th percentile

7.4%

Higher net margin than 64% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

86th percentile

6.7%

Faster asset growth than 86% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Up

$12,875,046

Up $804,200 (+6.7%) from 2012

Net Assets

Up

$2,063,861

Up $87,508 (+4.4%) from 2012

Liabilities

Up

$10,811,185

Up $716,692 (+7.1%) from 2012

Revenue And Expenses
Liabilities / Revenue12th percentileNet Margin64th percentile

Revenue

$1,216,229

No earlier filing loaded for comparison.

Expenses

Up

$1,126,791

Up $86,794 (+8.3%) from 2012

Net Income

$89,438

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth86th percentile

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

$30M$20M$10M$0Assets 2010: $11,651,477Liabilities 2010: $9,826,209Net Assets 2010: $1,825,2682010Assets 2011: $12,018,052Liabilities 2011: $10,167,439Net Assets 2011: $1,850,6132011Assets 2012: $12,070,846Liabilities 2012: $10,094,493Net Assets 2012: $1,976,3532012Assets 2013: $12,875,046Liabilities 2013: $10,811,185Net Assets 2013: $2,063,8612013Assets 2014: $13,338,390Liabilities 2014: $11,007,989Net Assets 2014: $2,330,4012014Assets 2015: $13,191,728Liabilities 2015: $10,596,865Net Assets 2015: $2,594,8632015Assets 2016: $13,095,764Liabilities 2016: $10,690,593Net Assets 2016: $2,405,1712016Assets 2018: $13,042,167Liabilities 2018: $73,459Net Assets 2018: $12,968,7082018Assets 2019: $14,010,443Liabilities 2019: $59,463Net Assets 2019: $13,950,9802019Assets 2020: $18,028,435Liabilities 2020: $63,729Net Assets 2020: $17,964,7062020Assets 2021: $20,663,134Liabilities 2021: $959,807Net Assets 2021: $19,703,3272021Assets 2022: $18,486,535Liabilities 2022: $609,409Net Assets 2022: $17,877,1262022Assets 2023: $15,600,686Liabilities 2023: $675,044Net Assets 2023: $14,925,6422023Assets 2024: $15,152,552Liabilities 2024: $339,348Net Assets 2024: $14,813,2042024

Highlighted filing

2013

Assets$12,875,046
Liabilities$10,811,185
Net Assets$2,063,861
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,048,4282010Expenses 2011: $1,000,9272011Expenses 2012: $1,039,9972012Revenue 2013: $1,216,229Expenses 2013: $1,126,791Net Income 2013: $89,4382013Revenue 2014: $1,412,161Expenses 2014: $1,145,621Net Income 2014: $266,5402014Revenue 2015: $1,462,091Expenses 2015: $1,229,935Net Income 2015: $232,1562015Revenue 2016: $1,387,846Expenses 2016: $1,439,139Net Income 2016: -$51,2932016Revenue 2018: $1,518,176Expenses 2018: $1,402,736Net Income 2018: $115,4402018Revenue 2019: $1,469,290Expenses 2019: $1,369,066Net Income 2019: $100,2242019Revenue 2020: $1,504,068Expenses 2020: $1,418,812Net Income 2020: $85,2562020Revenue 2021: $2,550,274Expenses 2021: $1,594,899Net Income 2021: $955,3752021Revenue 2022: $2,238,593Expenses 2022: $1,564,602Net Income 2022: $673,9912022Revenue 2023: $1,364,415Expenses 2023: $1,362,889Net Income 2023: $1,5262023Revenue 2024: $731,216Expenses 2024: $843,654Net Income 2024: -$112,4382024

Highlighted filing

2013

Revenue$1,216,229
Expenses$1,126,791
Net Income$89,438
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 24, 2014
Return Version
2013v3.1
Gross Receipts
$1,216,229
Mission and Program Overview

Mission

Provide lending, savings,and other financial services to its qualifying members at terms better than available in the marketplace with a service based emphasis that recognizes the members as owners.

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$7,025,655$7,214,745▲ $189,090
Investments Program Related$1,774,544$2,723,043▲ $948,499
Rtn Earn Endowment Incm Other Fnds$1,976,353$2,063,861▲ $87,508
Investments Other Securities$1,367,273$1,404,588▲ $37,315
Savings and Temporary Cash Investments$1,102,315$807,919▼ $294,396
Cash and Non-Interest-Bearing Accounts$178,890$223,856▲ $44,966
Land, Buildings, and Equipment, Net$122,646$99,818▼ $22,828
Receivables From Officers Etc$84,221$59,191▼ $25,030
Total Assets$12,070,846$12,875,046▲ $804,200
Other Assets Total$415,302$341,886▼ $73,416
Liabilities
Other Liabilities$10,044,759$10,773,666▲ $728,907
Accounts Payable and Accrued Expenses$49,734$37,519▼ $12,215
Total Liabilities$10,094,493$10,811,185▲ $716,692
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,976,353$2,063,861▲ $87,508
Total Liabilities and Net Assets / Fund Balance$12,070,846$12,875,046▲ $804,200

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$57,782$401,360$459,142
Buildings-$202,000$202,000
Leasehold Improvements$12,036$103,503$115,539
Land$30,000-$30,000
Investment Program Related Org$2,490,499--
Other Securities$962,186--
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Darrell JohnsonDirector
Deborah HaydenDirector
Dorothy RimmerDirector
Henry StoudermireDirector
James PooleDirector
Kaye-evans GainesDirector
Larese PurnellDirector
Monica DeramusDirector
Renee CavorDirector
Shadina TerryDirector
Stacey Banks HoustonDirector
Veronica McgheeDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,143,517
Investment Income
$72,712
Other Revenue
$0
Change in Net Assets
$89,438

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,216,229
Total Revenue per Audited Statements
$1,216,229
Total Revenue per Form 990
$1,216,229
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$754,709
Salaries, Compensation, and Employee Benefits$328,560
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$328,560
Office Expenses---$151,847
Occupancy---$66,802
Benefits to Members---$43,522
Fees for Services Other---$29,552
All Other Expenses---$15,000
Conferences and Meetings---$11,191
Other Expenses$3,825--$3,825
Total Functional Expenses$0$0$0$1,126,791

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,126,791
Total Expenses per Audited Statements$1,126,791
Total Expenses per Form 990$1,126,791
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$84,221$59,191▼ $25,030
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$10,773,666
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 4100 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 members of the board of directors for 3-year terms on a rotating basis. Candidates are elected by a simple plurality vote. The board of directors appoints volunteers to serve on the supervisory committee, which is vested with monitoring safety and soundness of the organization.”

Governing body decisions Part VI line 7B

“Changes to the governing documents (bylaws) must be approved by the member-owners after they have been approved by the board of directors and the regulatory agency. Approval occurs when at least 50% of the member-owners vote to approve.”

Form 990 governing body review Part VI line 11

“Copies of the form 990 will be given to the board of directors for review.”

Conflict of interest policy compliance Part VI line 12C

“Yearly conflict of interest statements are reviewed, discussed, addressed and signed.”

CEO executive director top management comp Part VI line 15A

“The ceo's compensation is determined by comparability data, review and approval by the board of directors.”

Other officer or key employee compensation Part VI line 15B

“Key employees' compensation is determined by comparability data, review and approval by the ceo.”

Governing documents etc available to public Part VI line 19

“Governing documents, policies and financial statements are available at the credit union upon request.”

Filing and Contact Details

Filer

EIN
34-0827524

Signing Officer

Name
Jacqueline Moore
Title
Manager
Phone
2162717111
Signed
2014-04-24
Discuss with paid preparer
No

Organization Details

Formed
1952
Legal Domicile
Oh
Voting Board Members
9
Independent Board Members
9
Employees
8
Volunteers
11

Preparer

Preparer
Ronald Schmidt
Phone
4405421536
Supplemental Narrative

Additional Explanations

General explanation attachment

“Form 990 part xii line 2c: the organization obtained separate, independent audited financial statements for the tax year as of september 30, 2013.”

Raw XML AppendixShowing 400 of 449 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.

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IRS990/OtherExpensesGrp/ProgramServicesAmt233912
IRS990/OtherExpensesGrp/ProgramServicesAmt33825
IRS990/OtherExpensesGrp/TotalAmt0141731
IRS990/OtherExpensesGrp/TotalAmt1300849
IRS990/OtherExpensesGrp/TotalAmt233912
IRS990/OtherExpensesGrp/TotalAmt33825
IRS990/OtherLiabilitiesGrp/BOYAmt010044759
IRS990/OtherLiabilitiesGrp/EOYAmt010773666
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt0328560
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt07025655
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt07214745
IRS990/PartialLiquidationInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PriorPeriodAdjustmentsAmt0-1930
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/RelatedOrExemptFuncIncomeAmt0767331
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1320071
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt256115
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0767331
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1320071
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt256115
IRS990/ProgSrvcAccomActy2Grp/Desc0DIRECT LABOR AND EMPLOYEE BENEFIT COSTS INCURRED PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0328560
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVISION FOR LOAN LOSS EXPENSE INCURRED IN THE LOAN PORTFOLIO FOR MEMBERS
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0300849
IRS990/ProgSrvcAccomActyOtherGrp/Desc0OTHER PROGRAM SERVICE EXPENSES
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt0458170
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt061958
IRS990/PYInvestmentIncomeAmt090442
IRS990/PYOtherExpensesAmt0635641
IRS990/PYProgramServiceRevenueAmt01096901
IRS990/PYRevenuesLessExpensesAmt0147346
IRS990/PYSalariesCompEmpBnftPaidAmt0342398
IRS990/PYTotalExpensesAmt01039997
IRS990/PYTotalRevenueAmt01187343
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt084221
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt059191
IRS990/ReconcilationRevenueExpnssAmt089438
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01976353
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02063861
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01102315
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0807919
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0202000
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0202000
IRS990ScheduleD/EquipmentGrp/BookValueAmt057782
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0401360
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0459142
IRS990ScheduleD/ExpensesSubtotalAmt01126791
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0232544
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt12490499
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0PAID IN CAPITAL AT CORP CREDIT UNIO
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1OTHER CORP CREDIT UNION INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt030000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt030000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt012036
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0103503
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0115539
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt010773666
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0442402
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1962186
IRS990ScheduleD/OtherSecuritiesGrp/Desc0DEPOSITS IN COMMERCIAL BANKS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/RevenueSubtotalAmt01216229
IRS990ScheduleD/TotalBookValueLandBuildingsAmt099818
IRS990ScheduleD/TotalBookValueProgramRltdAmt02723043
IRS990ScheduleD/TotalBookValueSecuritiesAmt01404588
IRS990ScheduleD/TotalExpensesPerForm990Amt01126791
IRS990ScheduleD/TotalLiabilityAmt010773666
IRS990ScheduleD/TotalRevenuePerForm990Amt01216229
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01216229
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01126791
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt036515
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt14574
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt26701
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt39983
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt41418
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0PERSONAL LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt050000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt16000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt210000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt320000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt414000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0DEBORAH HAYDEN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1DEBORAH HAYDEN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2DEBORAH HAYDEN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3SHADINA TERRY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4KAYE E GAINES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/TotalBalanceDueAmt059191
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 4100 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT MEMBERS OF THE BOARD OF DIRECTORS FOR 3-YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE PLURALITY VOTE. THE BOARD OF DIRECTORS APPOINTS VOLUNTEERS TO SERVE ON THE SUPERVISORY COMMITTEE, WHICH IS VESTED WITH MONITORING SAFETY AND SOUNDNESS OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CHANGES TO THE GOVERNING DOCUMENTS (BYLAWS) MUST BE APPROVED BY THE MEMBER-OWNERS AFTER THEY HAVE BEEN APPROVED BY THE BOARD OF DIRECTORS AND THE REGULATORY AGENCY. APPROVAL OCCURS WHEN AT LEAST 50% OF THE MEMBER-OWNERS VOTE TO APPROVE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COPIES OF THE FORM 990 WILL BE GIVEN TO THE BOARD OF DIRECTORS FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4YEARLY CONFLICT OF INTEREST STATEMENTS ARE REVIEWED, DISCUSSED, ADDRESSED AND SIGNED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CEO'S COMPENSATION IS DETERMINED BY COMPARABILITY DATA, REVIEW AND APPROVAL BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6KEY EMPLOYEES' COMPENSATION IS DETERMINED BY COMPARABILITY DATA, REVIEW AND APPROVAL BY THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS, POLICIES AND FINANCIAL STATEMENTS ARE AVAILABLE AT THE CREDIT UNION UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FORM 990 PART XII LINE 2C: THE ORGANIZATION OBTAINED SEPARATE, INDEPENDENT AUDITED FINANCIAL STATEMENTS FOR THE TAX YEAR AS OF SEPTEMBER 30, 2013.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8General explanation attachment
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt012070846
IRS990/TotalAssetsEOYAmt012875046
IRS990/TotalAssetsGrp/BOYAmt012070846
IRS990/TotalAssetsGrp/EOYAmt012875046
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01126791
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010094493
IRS990/TotalLiabilitiesEOYAmt010811185
IRS990/TotalLiabilitiesGrp/BOYAmt010094493
IRS990/TotalLiabilitiesGrp/EOYAmt010811185
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01976353

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,875,046
Liabilities
$10,811,185
Net assets
$2,063,861
Revenue
$1,216,229
Expenses
$1,126,791
Net income
$89,438
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$15.2$0.34$14.8$0.73$0.84$0.11
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.6$0.68$14.9$1.36$1.36$0.00
2022Detailed filing. Detailed filing data is available for this year.$18.5$0.61$17.9$2.24$1.56$0.67
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.7$0.96$19.7$2.55$1.59$0.96
2020Detailed filing. Detailed filing data is available for this year.$18.0$0.06$18.0$1.50$1.42$0.09
2019Detailed filing. Detailed filing data is available for this year.$14.0$0.06$14.0$1.47$1.37$0.10
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.0$0.07$13.0$1.52$1.40$0.12
2016Detailed filing. Detailed filing data is available for this year.$13.1$10.7$2.41$1.39$1.44$0.05
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.2$10.6$2.59$1.46$1.23$0.23
2014Detailed filing. Detailed filing data is available for this year.$13.3$11.0$2.33$1.41$1.15$0.27
2013Detailed filing. Detailed filing data is available for this year.$12.9$10.8$2.06$1.22$1.13$0.09
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.1$10.1$1.98$1.04
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.0$10.2$1.85$1.00
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.7$9.83$1.83$1.05