Liabilities / Assets
41st percentile
Higher debt load relative to assets than 41% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
41st percentile
Higher debt load relative to assets than 41% of similar nonprofits.
Liabilities / Revenue
76th percentile
Higher debt load relative to revenue than 76% of similar nonprofits.
Net Margin
45th percentile
Higher net margin than 45% of similar nonprofits.
Top Officer Pay
46th percentile
Higher top officer pay than 46% of similar nonprofits.
Top officer pay equals 3.9% of source-year revenue.
Asset Growth
38th percentile
Faster asset growth than 38% of similar nonprofits.
Revenue Growth
10th percentile
Faster revenue growth than 10% of similar nonprofits.
Assets
Down$90,277,336
Down $3,546,673 (-3.8%) from 2022
Net Assets
Up$11,428,658
Up $475,690 (+4.3%) from 2022
Liabilities
Down$78,848,678
Down $4,022,363 (-4.9%) from 2022
Revenue
Up$3,875,419
Up $148,599 (+4.0%) from 2022
Expenses
Up$3,399,729
Up $501,409 (+17%) from 2022
Net Income
Down$475,690
Down $352,810 (-43%) from 2022
Credit Union is a not-for-profit, member-owned financial institution, we work hard to ensure the credit union philosophy of people helping people. We offer a full line of products and services.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $46,237,492 | $48,978,177 | ▲ $2,740,685 |
| Savings and Temporary Cash Investments | $32,444,069 | $33,693,852 | ▲ $1,249,783 |
| Rtn Earn Endowment Incm Other Fnds | $10,952,968 | $11,428,658 | ▲ $475,690 |
| Investments Other Securities | $10,223,171 | $3,886,004 | ▼ $6,337,167 |
| Land, Buildings, and Equipment, Net | $1,889,977 | $1,781,683 | ▼ $108,294 |
| Prepaid Expenses and Deferred Charges | $1,276,810 | - | - |
| Cash and Non-Interest-Bearing Accounts | $714,430 | $457,728 | ▼ $256,702 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $93,824,009 | $90,277,336 | ▼ $3,546,673 |
| Other Assets Total | $1,038,060 | $1,479,892 | ▲ $441,832 |
| Liabilities | |||
| Other Liabilities | $80,683,754 | $78,322,892 | ▼ $2,360,862 |
| Unsecured Notes Loans Payable | $1,598,958 | $0 | ▼ $1,598,958 |
| Accounts Payable and Accrued Expenses | $588,329 | $525,786 | ▼ $62,543 |
| Total Liabilities | $82,871,041 | $78,848,678 | ▼ $4,022,363 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $10,952,968 | $11,428,658 | ▲ $475,690 |
| Total Liabilities and Net Assets / Fund Balance | $93,824,009 | $90,277,336 | ▼ $3,546,673 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,575,070 | $705,389 | $2,280,459 |
| Equipment | $94,696 | $258,012 | $352,708 |
| Land | $111,917 | - | $111,917 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| James Falls | CEO | FT | $114,505 | $35,328 | $149,833 |
| Name | Title |
|---|---|
| Jeff Perz | Chairman |
| Barry Weiss | Vice Chairman |
| Donald Bowman | Director |
| Jason Harrigan | Director |
| Joanne Durkel | Director |
| Mitch Hershberger | Director |
| Ronald Harper | Director |
| Cecelia Larguara | Secretary |
| Tom Pysh | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $2,095,955 |
| Salaries, Compensation, and Employee Benefits | $1,303,774 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $913,331 | - | - | $913,331 |
| Interest | $476,130 | - | - | $476,130 |
| Office Expenses | $392,391 | - | - | $392,391 |
| Fees for Services Other | $296,345 | - | - | $296,345 |
| Current Officers, Directors, Trustees, and Key Employees | $149,833 | - | - | $149,833 |
| Depreciation Depletion | $140,511 | - | - | $140,511 |
| Occupancy | $107,327 | - | - | $107,327 |
| Other Employee Benefits | $97,948 | - | - | $97,948 |
| Payroll Taxes | $82,044 | - | - | $82,044 |
| Advertising | $67,139 | - | - | $67,139 |
| Pension Plan Contributions | $60,618 | - | - | $60,618 |
| Information Technology | $51,360 | - | - | $51,360 |
| Insurance | $44,169 | - | - | $44,169 |
| Travel | $37,074 | - | - | $37,074 |
| Other Expenses | $19,781 | - | - | $19,781 |
| Conferences and Meetings | $9,120 | - | - | $9,120 |
| Fees for Service Investment Mgmnt Fees | $5,985 | - | - | $5,985 |
| Total Functional Expenses | $3,399,729 | $0 | $0 | $3,399,729 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member shares | $78,322,892 |
“Each member of the Credit Union that maintains the minimum balance in their account is a shareholder.”
“Members elect the Board of Directors at their annual meeting.”
“The form 990 is provided via discussion at a Board meeting.”
“A conflict of interest statement is included with the Oath of Officers which is signed by all volunteers annually.”
“Credit Union uses CUNA trade salary survey for the executive salaries and reviews management recommendations for other increases.”
“Documents are available upon written request.”
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 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 588329 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 525786 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Credit Union is a not-for-profit, member-owned financial institution, we work hard to ensure the credit union philosophy of people helping people. We offer a full line of products and services. |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 67139 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 67139 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | Lisa Marie Chiarella |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2196482206 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 8580 Virginia Street |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Merrillville |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IN |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 464106235 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 714430 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 457728 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 149833 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 149833 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 9120 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 9120 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 847990 |
| IRS990/CYOtherExpensesAmt | 0 | 2095955 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 3027429 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 475690 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1303774 |
| IRS990/CYTotalExpensesAmt | 0 | 3399729 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 3875419 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 140511 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 140511 |
| IRS990/Desc | 0 | To promote thrift & provide low cost loans among members. This is accomplished on a co-operative basis for the mutual benefit of those in their field of membership. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 32 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/ExpenseAmt | 0 | 3399729 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 296345 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 296345 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt | 0 | 5985 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 5985 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
| 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/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | 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 | 35328 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Jeff Perz |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Barry Weiss |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Cecelia Larguara |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Donald Bowman |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Joanne Durkel |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Ronald Harper |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Tom Pysh |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Jason Harrigan |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Mitch Hershberger |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | James Falls |
| 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 | 114505 |
| 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/TitleTxt | 0 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1935 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | -7281 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 10 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 3882700 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 10 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 51360 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 51360 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 44169 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 44169 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 476130 |
| IRS990/InterestGrp/TotalAmt | 0 | 476130 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 855271 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 855271 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 10223171 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 3886004 |
| IRS990/IRPDocumentCnt | 0 | 1300 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 963401 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1889977 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1781683 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2745084 |
| IRS990/LegalDomicileStateCd | 0 | IN |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 7281 |
| 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 | Credit Union is a not-for-profit, member-owned financial institution, we work hard to ensure the credit union philosophy of people helping people. We offer a full line of products and services. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 10952968 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 11428658 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -7281 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -7281 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 107327 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 107327 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 392391 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 392391 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1038060 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1479892 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 97948 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 97948 |
| IRS990/OtherExpensesGrp/Desc | 0 | Provision for loan loss |
| IRS990/OtherExpensesGrp/Desc | 1 | Sharedraft & ATM expens |
| IRS990/OtherExpensesGrp/Desc | 2 | Other operating expense |
| IRS990/OtherExpensesGrp/Desc | 3 | Association dues |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 232289 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 189448 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 26886 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 19781 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 232289 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 189448 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 26886 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 19781 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 80683754 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 78322892 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 913331 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 913331 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 46237492 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 48978177 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 82044 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 82044 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 60618 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 60618 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 1276810 |
| IRS990/PrincipalOfficerNm | 0 | James Falls |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest income on loa |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fee income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Miscellaneous operatin |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2175902 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 439419 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 412108 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2175902 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 439419 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 412108 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 621241 |
| IRS990/PYOtherExpensesAmt | 0 | 1648819 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 3105579 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 828500 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1249501 |
| IRS990/PYTotalExpensesAmt | 0 | 2898320 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 3726820 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 475690 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 10952968 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 11428658 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 32444069 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 33693852 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1575070 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 705389 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2280459 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 94696 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 258012 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 352708 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 111917 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 111917 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 78322892 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member shares |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1781683 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 78322892 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Each member of the Credit Union that maintains the minimum balance in their account is a shareholder. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Members elect the Board of Directors at their annual meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | The form 990 is provided via discussion at a Board meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | A conflict of interest statement is included with the Oath of Officers which is signed by all volunteers annually. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Credit Union uses CUNA trade salary survey for the executive salaries and reviews management recommendations for other increases. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Documents are available upon written request. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section B, line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section C, line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 93824009 |
| IRS990/TotalAssetsEOYAmt | 0 | 90277336 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 93824009 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 90277336 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 32 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 3399729 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 3399729 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 82871041 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 78848678 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 82871041 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 78848678 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 10952968 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 11428658 |
| IRS990/TotalOtherCompensationAmt | 0 | 35328 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 3399729 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 3027429 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 114505 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 855271 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3020148 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 3875419 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 0 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 93824009 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 90277336 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/ProgramServicesAmt | 0 | 37074 |
| IRS990/TravelGrp/TotalAmt | 0 | 37074 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
| IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt | 0 | 1598958 |
| IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt | 0 | 0 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 8580 Virginia Street |
| IRS990/USAddress/CityNm | 0 | Merrillville |
| IRS990/USAddress/StateAbbreviationCd | 0 | IN |
| IRS990/USAddress/ZIPCd | 0 | 46410 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 10 |
| IRS990/VotingMembersIndependentCnt | 0 | 10 |
| IRS990/WebsiteAddressTxt | 0 | www.ms-cu.com |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2024-10-15 13:58:12Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | James Falls |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2197654141 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2024-11-15 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | Members Source Credit Union |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | MEMB |
| ReturnHeader/Filer/EIN | 0 | 350873966 |
| ReturnHeader/Filer/PhoneNum | 0 | 2197654141 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 8580 Virginia Street |
| ReturnHeader/Filer/USAddress/CityNm | 0 | Merrillville |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | IN |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 46410 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | 0 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 931743146 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | Eifel Rambo Advisory Group Ltd |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 20635 Abbey Woods Ct Suite 301 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | Frankfort |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | IL |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 60423 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 7086282365 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | Matt Beckley |
| ReturnHeader/ReturnTs | 0 | 2024-11-15T14:22:34-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2023-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2023-12-31 |
| ReturnHeader/TaxYr | 0 | 2023 |
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Displayed year
2023 • Form 990Detailed filing. Detailed filing data is available for this year.
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