Liabilities / Assets
4th percentile
Higher debt load relative to assets than 4% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
4th percentile
Higher debt load relative to assets than 4% of similar nonprofits.
Liabilities / Revenue
5th percentile
Higher debt load relative to revenue than 5% of similar nonprofits.
Net Margin
84th percentile
Higher net margin than 84% of similar nonprofits.
Top Officer Pay
57th percentile
Higher top officer pay than 57% of similar nonprofits.
Top officer pay equals 14.8% of source-year revenue.
Asset Growth
69th percentile
Faster asset growth than 69% of similar nonprofits.
Revenue Growth
89th percentile
Faster revenue growth than 89% of similar nonprofits.
Assets
Up$8,917,278
Up $111,754 (+1.3%) from 2017
Net Assets
Up$8,902,503
Up $112,821 (+1.3%) from 2017
Liabilities
Down$14,775
Down $1,067 (-6.7%) from 2017
Revenue
Up$386,458
Up $59,463 (+18%) from 2017
Expenses
Up$310,967
Up $12,512 (+4.2%) from 2017
Net Income
Up$75,491
Up $46,951 (+165%) from 2017
Cooperative Financial Institution
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Cap Stk Tr Prin Current Funds | $7,713,285 | $7,750,614 | ▲ $37,329 |
| Savings and Temporary Cash Investments | $5,264,451 | $5,484,305 | ▲ $219,854 |
| Other Notes and Loans Receivable, Net | $2,903,121 | $2,935,104 | ▲ $31,983 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $796,160 | $796,160 | → $0 |
| Rtn Earn Endowment Incm Other Fnds | $280,237 | $355,729 | ▲ $75,492 |
| Cash and Non-Interest-Bearing Accounts | $348,217 | $215,706 | ▼ $132,511 |
| Land, Buildings, and Equipment, Net | $85,590 | $83,883 | ▼ $1,707 |
| Receivables From Officers Etc | $55,026 | $53,443 | ▼ $1,583 |
| Total Assets | $8,805,524 | $8,917,278 | ▲ $111,754 |
| Other Assets Total | $149,119 | $144,837 | ▼ $4,282 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $15,842 | $14,775 | ▼ $1,067 |
| Total Liabilities | $15,842 | $14,775 | ▼ $1,067 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $8,789,682 | $8,902,503 | ▲ $112,821 |
| Total Liabilities and Net Assets / Fund Balance | $8,805,524 | $8,917,278 | ▲ $111,754 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $33,211 | $128,726 | - |
| Land | $26,664 | - | - |
| Equipment | $13,297 | $132,908 | - |
| Leasehold Improvements | $10,711 | $6,086 | - |
| Name | Title | Base | Total |
|---|---|---|---|
| Rex Bulgrien | TreasurerManager | $57,243 | $57,243 |
| Name | Title |
|---|---|
| John Tarwacki | Board Chair |
| Clarissa Murray-Pozsgai | Board Vice Chair |
| Clarence Myers | Board Member |
| Hulbert C Colwell IV | Board Member |
| Karen Derby | Board Member |
| Susan Battles | Board Member |
| Mary Zirille | Board Secretary |
| Chuck Holmes | Supv Committee |
| Sue Noens | Supv Committee |
| Tom Youdblis | Supv Committee |
| Line Item | Amount |
|---|---|
| Other Expenses | $170,788 |
| Salaries, Compensation, and Employee Benefits | $140,179 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | $130,125 | - | - | $130,125 |
| Office Expenses | $53,582 | - | - | $53,582 |
| Fees for Services Other | $46,501 | - | - | $46,501 |
| Occupancy | $34,537 | - | - | $34,537 |
| All Other Expenses | $11,503 | - | - | $11,503 |
| Payroll Taxes | $10,054 | - | - | $10,054 |
| Other Expenses | $5,856 | - | - | $5,856 |
| Conferences and Meetings | $1,750 | - | - | $1,750 |
| Travel | $703 | - | - | $703 |
| Interest | $126 | - | - | $126 |
| Total Functional Expenses | $310,967 | $0 | $0 | $310,967 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $55,026 | $53,443 | ▼ $1,583 |
“Each depositor is ashareholder”
“Each shareholder may vote in the election of board members.”
“Shareholders may override the board of directors at the annual meeting”
“Form 990 is reviewed by the Board of Directors at their meeting”
“Each Board Member signs a new agreement to the Conflict of Interest policy each year”
“Compensation for our Treasurer/Manager was determined by reviewing data provided by the Indiana Credit Union League survey as well as comparing our managers experience with the levels shown in the survey”
“Key employee compensation was determined by reviewing the Indiana Credit Union League survey and comparing it to the experience level of our key employees”
“Governing documents are available for review by the general public during our normal business hours”
“Withdrawl of shares by members and deposits by members”
“Professional outside services: State Examiners, CPA review, and outside accounting services”
“Dividends paid, Allowance for Loan Loss, and Cash Over/Short”
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/AccountantCompileOrReviewInd | 0 | true |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 15842 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 14775 |
| IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | Cooperative Financial Institution |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 11503 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 11503 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Rex Bulgrien 4 Key emp |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 5742728581 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 53790 Generations Dr |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | South Bend |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IN |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 466351539 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 7713285 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 7750614 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 348217 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 215706 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 130125 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 130125 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 1750 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 1750 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 116762 |
| IRS990/CYOtherExpensesAmt | 0 | 170788 |
| IRS990/CYOtherRevenueAmt | 0 | 66130 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 203566 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 75491 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 140179 |
| IRS990/CYTotalExpensesAmt | 0 | 310967 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 386458 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/Desc | 0 | Provided loans to members of the credit union |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DoingBusinessAsName/BusinessNameLine1Txt | 0 | South Bend Post Office Credit |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 6 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/ExpenseAmt | 0 | 163802 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 46501 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 46501 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Hulbert C Colwell IV |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Karen Derby |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Tom Youdblis |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Susan Battles |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Clarence Myers |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Sue Noens |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Chuck Holmes |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Mary Zirille |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | John Tarwacki |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Rex Bulgrien |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Clarissa Murray-Pozsgai |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 57243 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Supv Committee |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Supv Committee |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Supv Committee |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Board Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Board Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | TreasurerManager |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Board Vice Chair |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/FormationYr | 0 | 1924 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 386458 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 126 |
| IRS990/InterestGrp/TotalAmt | 0 | 126 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 116762 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 116762 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 4 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 267720 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 85590 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 83883 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 351603 |
| IRS990/LegalDomicileStateCd | 0 | IN |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | Cooperative Financial Institution |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 8789682 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 8902503 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 34537 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 34537 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 53582 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 53582 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 149119 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 144837 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 37330 |
| IRS990/OtherExpensesGrp/Desc | 0 | Dues |
| IRS990/OtherExpensesGrp/Desc | 1 | Educational |
| IRS990/OtherExpensesGrp/Desc | 2 | Loan Servicing |
| IRS990/OtherExpensesGrp/Desc | 3 | Miscellaneous Expenses |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 7135 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 3230 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 5865 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 5856 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 7135 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 3230 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 5865 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 5856 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Fees and Charges |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | Misc Operating Income |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 50269 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 15861 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 50269 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 15861 |
| IRS990/OtherRevenueTotalAmt | 0 | 66130 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 2903121 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 2935104 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 10054 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 10054 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 796160 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 796160 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrincipalOfficerNm | 0 | Rex Bulgrien 4 Key emp |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Loan Interest |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 203566 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 203566 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Investments |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 93953 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 116762 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | All other services |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 53212 |
| IRS990/ProgSrvcAccomActy3Grp/RevenueAmt | 0 | 66130 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 116762 |
| IRS990/PYOtherExpensesAmt | 0 | 170788 |
| IRS990/PYOtherRevenueAmt | 0 | 66130 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 203566 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 75491 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 140179 |
| IRS990/PYTotalExpensesAmt | 0 | 310967 |
| IRS990/PYTotalRevenueAmt | 0 | 386458 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 55026 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 53443 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 75491 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | false |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RevenueAmt | 0 | 203566 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 280237 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 355729 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 5264451 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 5484305 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 33211 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 128726 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 161937 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 13297 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 132908 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 146205 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 26664 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 26664 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 10711 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 6086 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 16797 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 83883 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 24006 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 3759 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 2 | 8642 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 3 | 2524 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 4 | 7479 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 5 | 992 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 6 | 5041 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 7 | 1000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 3 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 4 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 5 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 6 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 7 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 2 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 3 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 4 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 5 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 6 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 7 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 2 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 3 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 4 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 5 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 6 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 7 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | Vehicle Loan |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | Personal Loan |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 2 | Signature |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 3 | Signature |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 4 | Vehicle Loan |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 5 | Auto Loan |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 6 | Signature |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 7 | Signature |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 25000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 5879 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 2 | 17000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 3 | 5000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 4 | 13412 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 5 | 23500 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 6 | 5900 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 7 | 1000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | Mary Zirille |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | Karen Derby |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 2 | Mary Zirille |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 3 | John Tarwacki |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 4 | John Tarwacki |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 5 | Clarence J Myers |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 6 | John Tarwacki |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 7 | John Tarwacki |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | Board Secretary |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 1 | Board Member |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 2 | Board Member |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 3 | Board Chair |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 4 | Board Chair |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 5 | Board Member |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 6 | Board Member |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 7 | Board Member |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 3 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 4 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 5 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 6 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 7 | true |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 53443 |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Each depositor is ashareholder |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Each shareholder may vote in the election of board members. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Shareholders may override the board of directors at the annual meeting |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Form 990 is reviewed by the Board of Directors at their meeting |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Each Board Member signs a new agreement to the Conflict of Interest policy each year |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Compensation for our Treasurer/Manager was determined by reviewing data provided by the Indiana Credit Union League survey as well as comparing our managers experience with the levels shown in the survey |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Key employee compensation was determined by reviewing the Indiana Credit Union League survey and comparing it to the experience level of our key employees |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | Governing documents are available for review by the general public during our normal business hours |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | Withdrawl of shares by members and deposits by members |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | Professional outside services: State Examiners, CPA review, and outside accounting services |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | Dividends paid, Allowance for Loan Loss, and Cash Over/Short |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Members or stockholder classes and rights Part VI line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Member election for additional members Part VI line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Governing body decisions Part VI line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990 governing body review Part VI line 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Conflict of interest policy compliance Part VI line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | CEO executive director top management comp Part VI line 15a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Other officer or key employee compensation Part VI line 15b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Governing documents etc available to public Part VI line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Explanation of other changes in net assets or fund balances Part XI line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | List of other fees for services expenses Part IX line 11g |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | List of other expenses Part IX line 24e |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | IN |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
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Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.