Liabilities / Assets
71st percentile
Higher debt load relative to assets than 71% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.91x
Liabilities / Revenue
46th percentile
Higher debt load relative to revenue than 46% of similar nonprofits.
Net Margin
39th percentile
Higher net margin than 39% of similar nonprofits.
Top Officer Pay
19th percentile
Higher top officer pay than 19% of similar nonprofits.
Top officer pay equals 2.2% of source-year revenue.
Asset Growth
41st percentile
Faster asset growth than 41% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Up$119,587,506
Up $2,353,916 (+2.0%) from 2012
Net Assets
Up$10,620,494
Up $1,120,864 (+12%) from 2012
Liabilities
Up$108,967,012
Up $1,233,052 (+1.1%) from 2012
Revenue And Expenses
Revenue
$6,273,209
No earlier filing loaded for comparison.
Expenses
Up$5,769,779
Up $49,509 (+0.9%) from 2012
Net Income
$503,430
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Aug 6, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $6,273,209
Mission and Program Overview
Mission
To help our member-owners to manage their financial lives and to run a stable credit union by: choosing to do what is right, caring about our member's needs and providing financial education and quality products and services that benefit our members, because we are the stewards of their credit union.
The Credit Union provides financial services to qualified members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $75,258,294 | $76,472,612 | ▲ $1,214,318 |
| Savings and Temporary Cash Investments | $17,253,981 | $18,999,748 | ▲ $1,745,767 |
| Rtn Earn Endowment Incm Other Fnds | $9,499,630 | $10,620,494 | ▲ $1,120,864 |
| Investments Other Securities | $10,982,000 | $9,720,000 | ▼ $1,262,000 |
| Land, Buildings, and Equipment, Net | $4,220,293 | $4,096,573 | ▼ $123,720 |
| Investments Program Related | $3,772,609 | $2,847,241 | ▼ $925,368 |
| Cash and Non-Interest-Bearing Accounts | $1,736,231 | $2,521,581 | ▲ $785,350 |
| Accounts Receivable | $49,867 | $325,310 | ▲ $275,443 |
| Prepaid Expenses and Deferred Charges | $115,855 | $94,030 | ▼ $21,825 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $117,233,590 | $119,587,506 | ▲ $2,353,916 |
| Other Assets Total | $3,844,460 | $4,510,411 | ▲ $665,951 |
| Liabilities | |||
| Other Liabilities | $107,413,340 | $108,129,716 | ▲ $716,376 |
| Accounts Payable and Accrued Expenses | $320,620 | $837,296 | ▲ $516,676 |
| Total Liabilities | $107,733,960 | $108,967,012 | ▲ $1,233,052 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $9,499,630 | $10,620,494 | ▲ $1,120,864 |
| Total Liabilities and Net Assets / Fund Balance | $117,233,590 | $119,587,506 | ▲ $2,353,916 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,855,121 | $1,830,461 | $4,685,582 |
| Equipment | $461,086 | $1,051,414 | $1,512,500 |
| Land | $780,366 | - | $780,366 |
| Other Land Buildings | $0 | $0 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Securities | $9,720,000 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Scott A Hicks | President/CEO | FT | $119,564 | $19,082 | $138,646 |
| Sonya M Smith | Executive Vice President/ CFO | FT | $85,620 | $16,792 | $102,412 |
| JoAnne Vollmar | Senior Vice President/COO | FT | $66,742 | $28,949 | $95,691 |
Board Members and Trustees
| Name | Title |
|---|---|
| David Hamrick | Chairman |
| Ron Vargas | Vice Chairman |
| Charles Dagg | Director |
| Charles Gerringer | Director |
| Gary Hotz | Director |
| Karen MacFarland | Director |
| Kyle Overmyer | Director |
| Bob Martin | Secretary |
| Bob Feighner | Treasurer |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Fidelity National Information Services | Credit Card Service | - | $527,247 |
| Area Financial Services | Data Processing Services | - | $322,089 |
| Medical Mutual | Health Insurance | - | $289,877 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $6,129,708
- Investment Income
- $143,501
- Other Revenue
- $0
- Change in Net Assets
- $503,430
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $6,273,209
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $-79,094
- Other Revenue Adjustments
- $0
- Total Revenue per Audited Statements
- $6,194,115
- Total Revenue per Form 990
- $6,273,209
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $3,113,765 |
| Salaries, Compensation, and Employee Benefits | $2,272,274 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,326,256 |
| Office Expenses | - | - | - | $398,770 |
| Information Technology | - | - | - | $394,992 |
| All Other Expenses | - | - | - | $385,059 |
| Benefits to Members | - | - | - | $383,740 |
| Other Employee Benefits | - | - | - | $372,794 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $336,749 |
| Depreciation Depletion | - | - | - | $185,509 |
| Occupancy | - | - | - | $183,013 |
| Payroll Taxes | - | - | - | $130,138 |
| Advertising | - | - | - | $112,614 |
| Pension Plan Contributions | - | - | - | $106,337 |
| Other Expenses | - | - | - | $85,987 |
| Conferences and Meetings | - | - | - | $40,359 |
| Fees for Services Accounting | - | - | - | $22,380 |
| Travel | - | - | - | $15,329 |
| Fees for Services Legal | - | - | - | $4,795 |
| Total Functional Expenses | $0 | $0 | $0 | $5,769,779 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Total Expenses per Form 990 | $5,769,779 |
| Total Expenses per Audited Statements | $5,690,684 |
| Expenses per Audited Statements | $5,690,678 |
| Expenses Not Reported on Financial Statements | $79,101 |
| Other Expense Adjustments | $79,101 |
| Expenses Not Reported on Form 990 | $6 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Shares | $108,129,716 |
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
Form 990, Part VI, Section A, Line 6
“The Credit Union has a single class of members with equal rights of ownership, governance and voting.”
Form 990, Part VI, Section A, Line 7A
“The member owners of the Credit Union have the authority to elect members of the Board of Directors for a three year term. Candidates are elected by a simple ballot vote. The Board of Directors appoints volunteers to serve on the Executive Committee which is vested with monitoring safety and soundship of the Credit Union. If deemed appropriate, the Executive Committee can suspend Board members and can call special meetings to evaluate the issue and vote to either dismiss or reinstate Board member.”
Form 990, Part VI, Section A, Line 7B
“Changes to the governing documents(By-Laws) may be amended by a majority vote of the voting members at the annual meeting, if notice is given that the one purpose of the meeting is to vote such amendments, at a special meeting or in writing. Such amendments shall be effective only after the same have been approved by the Superintendent of Credit Unions. The Board of Directors may, at any duly held meeting, adopt amendment to the regulations by an affirmation vote of 2/3 of the number of directors authorized by such articles.”
Form 990, Part VI, Section B, Line 11B
“The Form 990 was reviewed by the CEO and Executive Vice President/CFO prior to filing and is then presented to the Board of Directors at their next regular meeting.”
Form 990, Part VI, Section B, Line 12C
“On an annual basis each Credit Union official and employee will submit in writing an acknowledgment of all conflicts of interest, including those in which they have been inadvertently placed due to either business or personal relationships with members, vendors, business associates or competitors of the Credit Union. Conflicts of interest are determined by a review of potential conflicts by the CEO, if a conflict exists with a Board Member, then they are excluded from any discussion and votes relating to any potential or existing conflict of interest.”
Form 990, Part VI, Section B, Line 15
“The process used to set the CEO's compensation is based on a combination of comparison to comparable sized Credit Unions through the use of Bauschkey & Associates LTD annual compensation survey as well as attainment in the current year of predetermined performance objectives set for the CEO personally and the Credit Union. The process is performed and approved by the Executive Committee of teh Board prior to Feb 1st of each year. Other Officers and Key Employee's salary is based on a combination of comparison to comparable sized Credit Unions through the use of compensation survey and annual performance evaluations. This process is approved by the CEO. Reviews were completed in 2013.”
Form 990, Part VI, Section C, Line 19
“The Credit Union's Financial Statements are disclosed monthly in the lobby of each office. The Credit Union's By-Laws and Conflict of Interest Policy can be reviewed by appointment at the Credit Union Main Office.”
Filing and Contact Details
Filer
- EIN
- 34-4431845
- Phone
- 4195477781
Signing Officer
- Name
- Sonya M Smith
- Title
- Executive Vice President/CFO
- Phone
- 4195477781
- Signed
- 2014-08-06
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Scott A Hicks
- Formed
- 1937
- Legal Domicile
- Oh
- Voting Board Members
- 9
- Independent Board Members
- 9
- Employees
- 61
- Volunteers
- 23
Preparer
- Preparer
- Julia Lynn Rust
- Phone
- 5862961155
Supplemental Narrative
Additional Explanations
Form 990, Part XI, Line 9
“Change in unrecognized Pension Cost: $ -617,434.”
Financial Statement Notes
Schedule D, Part XI, Line 2D
“Equity Loss on Subsidiary included in Income on Audited Financial Statements, Expense on 990: $-79,101; Rounding differences: $ 7. Total -79,094.”
Schedule D, Part XII, Line 2D
“Rounding Differences: $ 6.”
Schedule D, Part XII, Line 4B
“Equity Loss on Subsidiary included in Income on Audited Financial Statements, Expense on 990: $ 79,101”
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| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 6273209 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 394992 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 143501 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 143501 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 10982000 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 9720000 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 3772609 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 2847241 |
| IRS990/IRPDocumentCnt | 0 | 3237 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 2881875 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 4220293 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 4096573 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 6978448 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | To help our member-owners to manage their financial lives and to run a stable credit union by: choosing to do what is right, caring about our member's needs and providing financial education and quality products and services that benefit our members, because we are the stewards of their credit union. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 9499630 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 10620494 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -46536 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 183013 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 398770 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 3844460 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 4510411 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 617434 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 372794 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Servicing |
| IRS990/OtherExpensesGrp/Desc | 1 | Provision for Loan Loss |
| IRS990/OtherExpensesGrp/Desc | 2 | ATM/Debit Card |
| IRS990/OtherExpensesGrp/Desc | 3 | NCUA Stabilization |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 488280 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 458244 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 338434 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 85987 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 107413340 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 108129716 |
| IRS990/OtherOrganizationDsc | 0 | Credit Union |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1326256 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 75258294 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 76472612 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 130138 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 106337 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 115855 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 94030 |
| IRS990/PrincipalOfficerNm | 0 | Scott A Hicks |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 524298 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Loan Interest |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fee Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Other Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4130626 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1142515 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 740010 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 4130626 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1181023 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 818059 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 38508 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 78049 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Originate loans and service a loan portfolio of 8,870 including new and used vehicle, recreational vehicle, signature, 1st mortgage, home equity, mobile home, credit card, share secured and educational loans. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/GrantAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Offer check cashing, money orders, travelers checks, courtesy pay, wire transfer, electronic banking, ATM and various insurance programs to eligible members. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 520920 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 137463 |
| IRS990/PYOtherExpensesAmt | 0 | 2947242 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 6429639 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 846832 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2252108 |
| IRS990/PYTotalExpensesAmt | 0 | 5720270 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 6567102 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 503430 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 1 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 9499630 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 10620494 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 17253981 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 18999748 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2855121 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1830461 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 4685582 |
| IRS990ScheduleD/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 461086 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1051414 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1512500 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 6 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 79101 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 5690678 |
| IRS990ScheduleD/InvestmentExpensesNotIncld2Amt | 0 | 0 |
| IRS990ScheduleD/InvestmentExpensesNotIncldAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 780366 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 780366 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LossesReportedAmt | 0 | 0 |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | 0 |
| IRS990ScheduleD/OtherExpensesIncludedAmt | 0 | 6 |
| IRS990ScheduleD/OtherExpensesNotIncludedAmt | 0 | 79101 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 108129716 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Shares |
| IRS990ScheduleD/OtherRevenueAmt | 0 | -79094 |
| IRS990ScheduleD/OtherRevenuesNotIncludedAmt | 0 | 0 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 9720000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | Deposits in Other Financial Institutions |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/PriorYearAdjustmentsAmt | 0 | 0 |
| IRS990ScheduleD/RecoveriesPriorYearGrantsAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | -79094 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 6273209 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | Equity Loss on Subsidiary included in Income on Audited Financial Statements, Expense on 990: $-79,101; Rounding differences: $ 7. Total -79,094. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | Rounding Differences: $ 6. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 2 | Equity Loss on Subsidiary included in Income on Audited Financial Statements, Expense on 990: $ 79,101 |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Schedule D, Part XI, Line 2d |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Schedule D, Part XII, Line 2d |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Schedule D, Part XII, Line 4b |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 4096573 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 9720000 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 5769779 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 108129716 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 6273209 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 6194115 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 5690684 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The Credit Union has a single class of members with equal rights of ownership, governance and voting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | The member owners of the Credit Union have the authority to elect members of the Board of Directors for a three year term. Candidates are elected by a simple ballot vote. The Board of Directors appoints volunteers to serve on the Executive Committee which is vested with monitoring safety and soundship of the Credit Union. If deemed appropriate, the Executive Committee can suspend Board members and can call special meetings to evaluate the issue and vote to either dismiss or reinstate Board member. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Changes to the governing documents(By-Laws) may be amended by a majority vote of the voting members at the annual meeting, if notice is given that the one purpose of the meeting is to vote such amendments, at a special meeting or in writing. Such amendments shall be effective only after the same have been approved by the Superintendent of Credit Unions. The Board of Directors may, at any duly held meeting, adopt amendment to the regulations by an affirmation vote of 2/3 of the number of directors authorized by such articles. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The Form 990 was reviewed by the CEO and Executive Vice President/CFO prior to filing and is then presented to the Board of Directors at their next regular meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | On an annual basis each Credit Union official and employee will submit in writing an acknowledgment of all conflicts of interest, including those in which they have been inadvertently placed due to either business or personal relationships with members, vendors, business associates or competitors of the Credit Union. Conflicts of interest are determined by a review of potential conflicts by the CEO, if a conflict exists with a Board Member, then they are excluded from any discussion and votes relating to any potential or existing conflict of interest. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | The process used to set the CEO's compensation is based on a combination of comparison to comparable sized Credit Unions through the use of Bauschkey & Associates LTD annual compensation survey as well as attainment in the current year of predetermined performance objectives set for the CEO personally and the Credit Union. The process is performed and approved by the Executive Committee of teh Board prior to Feb 1st of each year. Other Officers and Key Employee's salary is based on a combination of comparison to comparable sized Credit Unions through the use of compensation survey and annual performance evaluations. This process is approved by the CEO. Reviews were completed in 2013. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | The Credit Union's Financial Statements are disclosed monthly in the lobby of each office. The Credit Union's By-Laws and Conflict of Interest Policy can be reviewed by appointment at the Credit Union Main Office. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | Change in unrecognized Pension Cost: $ -617,434. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 7a |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $119,587,506
- Liabilities
- $108,967,012
- Net assets
- $10,620,494
- Revenue
- $6,273,209
- Expenses
- $5,769,779
- Net income
- $503,430