Civic Intelligence

Tlcu Financial

990 • Fiscal year 2018 • EIN 35-0932142

Jan 01, 2018 to Dec 31, 2018 • Filed on Apr 04, 2019

Organization Profilewww.tlcufinancial.org

View Organization Page

P O Box 804Mishawaka, IN 46546-0804

(574) 255-3193

Siviq Scores

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

Liabilities / Assets

25th percentile

0.84x

Higher debt load relative to assets than 25% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Liabilities / Revenue

55th percentile

18.96x

Higher debt load relative to revenue than 55% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Net Margin

71st percentile

17%

Higher net margin than 71% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Top Officer Pay

21st percentile

$77,868

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 4.8% of source-year revenue.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Asset Growth

65th percentile

2.0%

Faster asset growth than 65% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Revenue Growth

81st percentile

15%

Faster revenue growth than 81% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets25th percentile

Assets

Up

$36,502,041

Up $700,853 (+2.0%) from 2017

Net Assets

Up

$5,986,222

Up $599,209 (+11%) from 2017

Liabilities

Up

$30,515,819

Up $101,644 (+0.3%) from 2017

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin71st percentile

Revenue

Up

$1,609,302

Up $213,804 (+15%) from 2017

Expenses

Up

$1,339,500

Up $90,540 (+7.2%) from 2017

Net Income

Up

$269,802

Up $123,264 (+84%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth65th percentile

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

$60M$40M$20M$0Assets 2010: $33,094,544Liabilities 2010: $130,787Net Assets 2010: $32,963,7572010Assets 2011: $33,210,345Liabilities 2011: $28,229,668Net Assets 2011: $4,980,6772011Assets 2012: $34,641,208Liabilities 2012: $29,607,241Net Assets 2012: $5,033,9672012Assets 2013: $33,583,081Liabilities 2013: $28,493,144Net Assets 2013: $5,089,9372013Assets 2014: $33,675,618Liabilities 2014: $28,294,465Net Assets 2014: $5,381,1532014Assets 2015: $35,995,965Liabilities 2015: $30,558,518Net Assets 2015: $5,437,4472015Assets 2016: $35,392,848Liabilities 2016: $29,684,372Net Assets 2016: $5,708,4762016Assets 2017: $35,801,188Liabilities 2017: $30,414,175Net Assets 2017: $5,387,0132017Assets 2018: $36,502,041Liabilities 2018: $30,515,819Net Assets 2018: $5,986,2222018Assets 2019: $37,172,415Liabilities 2019: $30,838,710Net Assets 2019: $6,333,7052019Assets 2020: $45,471,400Liabilities 2020: $38,882,689Net Assets 2020: $6,588,7112020Assets 2021: $51,688,709Liabilities 2021: $44,712,056Net Assets 2021: $6,976,6532021Assets 2022: $53,743,752Liabilities 2022: $46,382,907Net Assets 2022: $7,360,8452022Assets 2023: $52,982,586Liabilities 2023: $45,124,857Net Assets 2023: $7,857,7292023Assets 2024: $53,103,297Liabilities 2024: $44,566,826Net Assets 2024: $8,536,4712024

Highlighted filing

2018

Assets$36,502,041
Liabilities$30,515,819
Net Assets$5,986,222
Open 2018 Filing

Operations Trend

Revenue Growth81st percentile

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

$3.0M$2.0M$1.0M$0Expenses 2010: $1,922,9612010Expenses 2011: $1,608,9682011Expenses 2012: $1,508,3692012Revenue 2013: $1,500,738Expenses 2013: $1,322,802Net Income 2013: $177,9362013Revenue 2014: $1,416,413Expenses 2014: $1,278,068Net Income 2014: $138,3452014Revenue 2015: $1,399,282Expenses 2015: $1,240,831Net Income 2015: $158,4512015Revenue 2016: $1,386,993Expenses 2016: $1,262,435Net Income 2016: $124,5582016Revenue 2017: $1,395,498Expenses 2017: $1,248,960Net Income 2017: $146,5382017Revenue 2018: $1,609,302Expenses 2018: $1,339,500Net Income 2018: $269,8022018Revenue 2019: $1,769,863Expenses 2019: $1,422,382Net Income 2019: $347,4812019Revenue 2020: $1,735,841Expenses 2020: $1,480,836Net Income 2020: $255,0052020Revenue 2021: $2,018,780Expenses 2021: $1,630,838Net Income 2021: $387,9422021Revenue 2022: $1,985,113Expenses 2022: $1,600,921Net Income 2022: $384,1922022Revenue 2023: $2,457,342Expenses 2023: $1,940,962Net Income 2023: $516,3802023Revenue 2024: $2,900,629Expenses 2024: $2,221,887Net Income 2024: $678,7422024

Highlighted filing

2018

Revenue$1,609,302
Expenses$1,339,500
Net Income$269,802
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Apr 4, 2019
Return Version
2018v3.1
Gross Receipts
$1,609,302
Mission and Program Overview

Mission

DEPOSIT/LENDING

Deposit/lending providing loans and savings to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$17,224,100$18,705,100▲ $1,481,000
Other Notes and Loans Receivable, Net$11,029,789$12,364,633▲ $1,334,844
Rtn Earn Endowment Incm Other Fnds$5,387,013$5,986,222▲ $599,209
Land, Buildings, and Equipment, Net$1,301,105$1,244,495▼ $56,610
Savings and Temporary Cash Investments$3,472,786$1,081,096▼ $2,391,690
Cash and Non-Interest-Bearing Accounts$614,684$868,201▲ $253,517
Receivables From Officers Etc$225,552$204,808▼ $20,744
Accounts Receivable$52,193$84,113▲ $31,920
Prepaid Expenses and Deferred Charges$49,509$53,886▲ $4,377
Total Assets$35,801,188$36,502,041▲ $700,853
Other Assets Total$1,831,470$1,895,709▲ $64,239
Liabilities
Other Liabilities$29,868,823$30,420,353▲ $551,530
Accounts Payable and Accrued Expenses$545,352$95,466▼ $449,886
Total Liabilities$30,414,175$30,515,819▲ $101,644
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,387,013$5,986,222▲ $599,209
Total Liabilities and Net Assets / Fund Balance$35,801,188$36,502,041▲ $700,853

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,029,973$441,986$1,471,959
Equipment$133,772-$133,772
Land$80,750-$80,750
Investment Program Related Org$100--
Other Assets Org$291,768--
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kendra FlecknerPresident/CEOFT$61,091$16,777$77,868
Nancy SherkVP LendingFT$52,947$6,854$59,801
Carol SmithVP AccoutingFT$53,937$1,879$55,816

Board Members and Trustees

NameTitle
Deric EggelstonChairman
Victor KazniaVice Chairman
Constantine IantriaBoard Member
James LeeperBoard Member
Janet DonathTreasurer/secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$600,761
Investment Income
$419,764
Other Revenue
$588,777
Change in Net Assets
$269,802
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$774,686
Salaries, Compensation, and Employee Benefits$564,814
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$299,633$0$0$299,633
Current Officers, Directors, Trustees, and Key Employees$193,485$0$0$193,485
Occupancy$123,238$0$0$123,238
Office Expenses$69,959$0$0$69,959
Interest$65,107$0$0$65,107
All Other Expenses$62,025$0$0$62,025
Other Expenses$52,355$0$0$52,355
Fees for Services Other$37,135$0$0$37,135
Other Employee Benefits$34,214$0$0$34,214
Payroll Taxes$33,765$0$0$33,765
Advertising$30,006$0$0$30,006
Depreciation Depletion$29,470$0$0$29,470
Information Technology$24,753$0$0$24,753
Travel$23,298$0$0$23,298
Insurance$19,508$0$0$19,508
Fees for Services Accounting$8,250$0$0$8,250
Pension Plan Contributions$3,717$0$0$3,717
Fees for Service Investment Mgmnt Fees$2,813$0$0$2,813
Total Functional Expenses$1,339,500$0$0$1,339,500
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$225,552$204,808▼ $20,744
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$30,420,353
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 9

“Deric eggleston 310 w 8th st. Mishawaka in 46544”

Form 990, Part VI, Line 9

“Victor kasznia 4012 harrison creek ct mishiwaka in 46544”

Form 990, Part VI, Line 9

“Janet donath 29424 follmer st. Niles mi 49120”

Form 990, Part VI, Line 9

“James leeper 192 oakmont dr bremen in 46506”

Form 990, Part VI, Line 9

“Constantine iantria 5202 greenleaf ln south bend in 46619”

Filing and Contact Details

Filer

Filer Name
Tlcu Financial
EIN
35-0932142
Phone
5742553193
Address
P O Box 804, Mishawaka, IN 46546-0804

Signing Officer

Name
Carol Smith
Title
Vice President of Accounting
Phone
5742553193
Signed
2019-04-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Carol Smith
Formed
1997
Legal Domicile
In
Voting Board Members
5
Independent Board Members
5
Employees
21
Volunteers
8

Preparer

Firm
Homer Wilson & Co Ltd
Address
900 RIDGE ROAD SUITE S, MUNSTER, IN 46321-1727
Preparer
Ray Suoranta
Phone
2198364930
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“Members of the credit union are considered shareholders”

Pt VI, Line 7A

“Members of the credit union elect the board of directors at their annual meeting”

Pt VI, Line 11B

“The 990 is reviewed at the april board meeting, prior to filing”

Pt VI, Line 12C

“Employees and directors sign bank bribery policy annually, which includes conflict of interest policy”

Pt VI, Line 15A

“The ceo/president compensation is reviewed and set by the board of directors”

Pt VI, Line 15B

“Compensation of other employees is reviewed and set by the ceo”

Pt VI, Line 19

“The financial statements are posted in the branch office, on their website, and available upon request”

Pt XI

“Reversal of adjustment for termination of defined benefit plan in 2017”

Form 990, Part IX, Line 24E

“Dfi operating fee 6384. 6384.”

Form 990, Part IX, Line 24E

“Miscellaneous exp 13303. 13303.”

Form 990, Part IX, Line 24E

“Shared branching exp 24028. 24028.”

Form 990, Part IX, Line 24E

“Data processing 17458. 17458.”

Form 990, Part IX, Line 24E

“Cash over/short 408. 408.”

Form 990, Part IX, Line 24E

“ANNUAL MEETING 444. 444.”

Raw XML AppendixShowing 400 of 668 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0545352
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt095466
IRS990/AccountsReceivableGrp/BOYAmt052193
IRS990/AccountsReceivableGrp/EOYAmt084113
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0DEPOSIT/LENDING PROVIDING LOANS AND SAVINGS TO MEMBERS
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt030006
IRS990/AdvertisingGrp/TotalAmt030006
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt062025
IRS990/AllOtherExpensesGrp/TotalAmt062025
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0JANET DONATH SECRETARYTREASURER
IRS990/BooksInCareOfDetail/PhoneNum05742553193
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01816 N MAIN STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0MISHAWAKA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd046545
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0614684
IRS990/CashNonInterestBearingGrp/EOYAmt0868201
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0193485
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0193485
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0419764
IRS990/CYOtherExpensesAmt0774686
IRS990/CYOtherRevenueAmt0588777
IRS990/CYProgramServiceRevenueAmt0600761
IRS990/CYRevenuesLessExpensesAmt0269802
IRS990/CYSalariesCompEmpBnftPaidAmt0564814
IRS990/CYTotalExpensesAmt01339500
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01609302
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt029470
IRS990/DepreciationDepletionGrp/TotalAmt029470
IRS990/Desc0PROVIDED 1,936 ACCOUNTS WITH $12,622,579 IN LOANS AND 8,427 ACCOUNTS WITH SAVINGS OF $30,428,809.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt021
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt08250
IRS990/FeesForServicesAccountingGrp/TotalAmt08250
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt037135
IRS990/FeesForServicesOtherGrp/TotalAmt037135
IRS990/FeesForSrvcInvstMgmntFeesGrp/FundraisingAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt02813
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt02813
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt51879
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt616777
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt76854
IRS990/Form990PartVIISectionAGrp/PersonNm0DERIC EGGELSTON
IRS990/Form990PartVIISectionAGrp/PersonNm1JANET DONATH
IRS990/Form990PartVIISectionAGrp/PersonNm2VICTOR KAZNIA
IRS990/Form990PartVIISectionAGrp/PersonNm3JAMES LEEPER
IRS990/Form990PartVIISectionAGrp/PersonNm4CONSTANTINE IANTRIA
IRS990/Form990PartVIISectionAGrp/PersonNm5CAROL SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm6KENDRA FLECKNER
IRS990/Form990PartVIISectionAGrp/PersonNm7NANCY SHERK
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt553937
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt661091
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt752947
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER/SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5VP ACCOUTING
IRS990/Form990PartVIISectionAGrp/TitleTxt6PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP LENDING
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01997
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01609302
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt024753
IRS990/InformationTechnologyGrp/TotalAmt024753
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt019508
IRS990/InsuranceGrp/TotalAmt019508
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt065107
IRS990/InterestGrp/TotalAmt065107
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0419764
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt017224100
IRS990/InvestmentsProgramRelatedGrp/EOYAmt018705100
IRS990/IRPDocumentCnt0713
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0441986
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01301105
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01244495
IRS990/LandBldgEquipCostOrOtherBssAmt01686481
IRS990/LegalDomicileStateCd0IN
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0DEPOSIT/LENDING PROVIDING LOANS AND SAVINGS TO MEMBERS
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt05387013
IRS990/NetAssetsOrFundBalancesEOYAmt05986222
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt0123238
IRS990/OccupancyGrp/TotalAmt0123238
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt069959
IRS990/OfficeExpensesGrp/TotalAmt069959
IRS990/OfficerMailingAddressInd0true
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01831470
IRS990/OtherAssetsTotalGrp/EOYAmt01895709
IRS990/OtherChangesInNetAssetsAmt0329407
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt034214
IRS990/OtherEmployeeBenefitsGrp/TotalAmt034214
IRS990/OtherExpensesGrp/Desc0ASSOCIATION DUES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2DEBIT/ATM EXP
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt011339
IRS990/OtherExpensesGrp/ProgramServicesAmt194563
IRS990/OtherExpensesGrp/ProgramServicesAmt2120867
IRS990/OtherExpensesGrp/ProgramServicesAmt352355
IRS990/OtherExpensesGrp/TotalAmt011339
IRS990/OtherExpensesGrp/TotalAmt194563
IRS990/OtherExpensesGrp/TotalAmt2120867
IRS990/OtherExpensesGrp/TotalAmt352355
IRS990/OtherLiabilitiesGrp/BOYAmt029868823
IRS990/OtherLiabilitiesGrp/EOYAmt030420353
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/BusinessCd1522130
IRS990/OtherRevenueMiscGrp/Desc0FEES & CHARGES
IRS990/OtherRevenueMiscGrp/Desc1MISC OPERATING
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0484983
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1103794
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0484983
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1103794
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueTotalAmt0588777
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0299633
IRS990/OtherSalariesAndWagesGrp/TotalAmt0299633
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011029789
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt012364633
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt033765
IRS990/PayrollTaxesGrp/TotalAmt033765
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt03717
IRS990/PensionPlanContributionsGrp/TotalAmt03717
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt049509
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt053886
IRS990/PrincipalOfficerNm0CAROL SMITH
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0600761
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0261958
IRS990/PYOtherExpensesAmt0712921
IRS990/PYOtherRevenueAmt0546323
IRS990/PYProgramServiceRevenueAmt0587217
IRS990/PYRevenuesLessExpensesAmt0146538
IRS990/PYSalariesCompEmpBnftPaidAmt0536039
IRS990/PYTotalExpensesAmt01248960
IRS990/PYTotalRevenueAmt01395498
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0225552
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0204808
IRS990/ReconcilationRevenueExpnssAmt0269802
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05387013
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05986222
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03472786
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01081096
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01029973
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0441986
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01471959
IRS990ScheduleD/EquipmentGrp/BookValueAmt0133772
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0133772
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt018705000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1100
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CUCI CAPITAL
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt080750
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt080750
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt024031
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt178100
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt21501810
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3291768
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0PSCU INVESTMENT/FUNDING
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1PSCU PREFUNDING
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2COLI CUNA MUTUAL
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3NCUSIF CAPITALIZATION FUND
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt030420353
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01244495
IRS990ScheduleD/TotalBookValueOtherAssetsAmt01895709
IRS990ScheduleD/TotalBookValueProgramRltdAmt018705100
IRS990ScheduleD/TotalLiabilityAmt030420353
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt09702
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt19802
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt218573
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt34821
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt451
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt51567
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt630234
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt72223
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt82989
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt91309
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt107814
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1121216
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt121597
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt136105
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt145645
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt152177
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt16900
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1721644
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1813504
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1917017
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt206494
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2118771
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt22653
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd12true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd13true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd14true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd15true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd16true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd17true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd18true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd19true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd20true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd22true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd11false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd12false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd13false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd14false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd15false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd16false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd17false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd18false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd19false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$36,502,041
Liabilities
$30,515,819
Net assets
$5,986,222
Revenue
$1,609,302
Expenses
$1,339,500
Net income
$269,802
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$53.1$44.6$8.54$2.90$2.22$0.68
2023Detailed filing. Detailed filing data is available for this year.$53.0$45.1$7.86$2.46$1.94$0.52
2022Detailed filing. Detailed filing data is available for this year.$53.7$46.4$7.36$1.99$1.60$0.38
2021Detailed filing. Detailed filing data is available for this year.$51.7$44.7$6.98$2.02$1.63$0.39
2020Detailed filing. Detailed filing data is available for this year.$45.5$38.9$6.59$1.74$1.48$0.26
2019Detailed filing. Detailed filing data is available for this year.$37.2$30.8$6.33$1.77$1.42$0.35
2018Detailed filing. Detailed filing data is available for this year.$36.5$30.5$5.99$1.61$1.34$0.27
2017Detailed filing. Detailed filing data is available for this year.$35.8$30.4$5.39$1.40$1.25$0.15
2016Detailed filing. Detailed filing data is available for this year.$35.4$29.7$5.71$1.39$1.26$0.12
2015Detailed filing. Detailed filing data is available for this year.$36.0$30.6$5.44$1.40$1.24$0.16
2014Detailed filing. Detailed filing data is available for this year.$33.7$28.3$5.38$1.42$1.28$0.14
2013Detailed filing. Detailed filing data is available for this year.$33.6$28.5$5.09$1.50$1.32$0.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.6$29.6$5.03$1.51
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.2$28.2$4.98$1.61
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.1$0.13$33.0$1.92