Civic Intelligence

Tlcu Financial

990 • Fiscal year 2019 • EIN 35-0932142

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 13, 2020

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

24th percentile

0.83x

Higher debt load relative to assets than 24% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Liabilities / Revenue

50th percentile

17.42x

Higher debt load relative to revenue than 50% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Net Margin

78th percentile

20%

Higher net margin than 78% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Top Officer Pay

25th percentile

$83,429

Higher top officer pay than 25% of similar nonprofits.

Top officer pay equals 4.7% of source-year revenue.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Asset Growth

48th percentile

1.8%

Faster asset growth than 48% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Revenue Growth

73rd percentile

10.0%

Faster revenue growth than 73% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Assets

Up

$37,172,415

Up $670,374 (+1.8%) from 2018

Net Assets

Up

$6,333,705

Up $347,483 (+5.8%) from 2018

Liabilities

Up

$30,838,710

Up $322,891 (+1.1%) from 2018

Revenue

Up

$1,769,863

Up $160,561 (+10.0%) from 2018

Expenses

Up

$1,422,382

Up $82,882 (+6.2%) from 2018

Net Income

Up

$347,481

Up $77,679 (+29%) from 2018

Historical Trend

Balance Sheet Trend

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

2019

Assets$37,172,415
Liabilities$30,838,710
Net Assets$6,333,705

Operations Trend

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

2019

Revenue$1,769,863
Expenses$1,422,382
Net Income$347,481
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 13, 2020
Return Version
2019v5.1
Gross Receipts
$1,769,863
Mission and Program Overview

Mission

DEPOSIT/LENDING

Deposit/lending providing loans and savings to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$18,705,100$17,520,100▼ $1,185,000
Other Notes and Loans Receivable, Net$12,364,633$13,584,846▲ $1,220,213
Rtn Earn Endowment Incm Other Fnds$5,986,222$6,333,705▲ $347,483
Savings and Temporary Cash Investments$1,081,096$1,424,096▲ $343,000
Land, Buildings, and Equipment, Net$1,244,495$1,223,086▼ $21,409
Cash and Non-Interest-Bearing Accounts$868,201$852,953▼ $15,248
Receivables From Officers Etc$204,808$237,406▲ $32,598
Accounts Receivable$84,113$85,228▲ $1,115
Prepaid Expenses and Deferred Charges$53,886$61,205▲ $7,319
Total Assets$36,502,041$37,172,415▲ $670,374
Other Assets Total$1,895,709$2,183,495▲ $287,786
Liabilities
Other Liabilities$30,420,353$30,685,057▲ $264,704
Accounts Payable and Accrued Expenses$95,466$153,653▲ $58,187
Total Liabilities$30,515,819$30,838,710▲ $322,891
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,986,222$6,333,705▲ $347,483
Total Liabilities and Net Assets / Fund Balance$36,502,041$37,172,415▲ $670,374

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$985,380$477,119$1,462,499
Equipment$156,956-$156,956
Land$80,750-$80,750
Investment Program Related Org$100--
Other Assets Org$330,000--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kendra FlecknerPresident/CEOFT$65,030$18,399$83,429
Nancy SherkVP LendingFT$55,443$22,612$78,055
Carol SmithVP AccoutingFT$54,524$3,078$57,602

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
$678,000
Investment Income
$523,718
Other Revenue
$568,145
Change in Net Assets
$347,481
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$809,773
Salaries, Compensation, and Employee Benefits$612,609
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$339,192$0$0$339,192
Current Officers, Directors, Trustees, and Key Employees$219,086$0$0$219,086
Office Expenses$193,789$0$0$193,789
Occupancy$123,621$0$0$123,621
Interest$101,914$0$0$101,914
Fees for Services Other$68,626$0$0$68,626
Advertising$48,794$0$0$48,794
Payroll Taxes$38,298$0$0$38,298
Information Technology$30,231$0$0$30,231
Travel$22,327$0$0$22,327
Other Employee Benefits$9,716$0$0$9,716
All Other Expenses$8,716$0$0$8,716
Pension Plan Contributions$6,317$0$0$6,317
Fees for Services Accounting$2,308$0$0$2,308
Fees for Service Investment Mgmnt Fees$2,088$0$0$2,088
Other Expenses$2,007$0$0$2,007
Conferences and Meetings$400$0$0$400
Fees for Services Legal$58$0$0$58
Total Functional Expenses$1,422,382$0$0$1,422,382
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$204,808$237,406▲ $32,598
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$30,685,057
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 35% controlled entity
No
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
2020-04-13
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
23
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

Raw XML AppendixShowing 400 of 659 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/BOYAmt095466
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0153653
IRS990/AccountsReceivableGrp/BOYAmt084113
IRS990/AccountsReceivableGrp/EOYAmt085228
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0DEPOSIT/LENDING PROVIDING LOANS AND SAVINGS TO MEMBERS
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt048794
IRS990/AdvertisingGrp/TotalAmt048794
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt08716
IRS990/AllOtherExpensesGrp/TotalAmt08716
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/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0868201
IRS990/CashNonInterestBearingGrp/EOYAmt0852953
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0219086
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0219086
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt0400
IRS990/ConferencesMeetingsGrp/TotalAmt0400
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0523718
IRS990/CYOtherExpensesAmt0809773
IRS990/CYOtherRevenueAmt0568145
IRS990/CYProgramServiceRevenueAmt0678000
IRS990/CYRevenuesLessExpensesAmt0347481
IRS990/CYSalariesCompEmpBnftPaidAmt0612609
IRS990/CYTotalExpensesAmt01422382
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01769863
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0PROVIDED 1,966 ACCOUNTS WITH $13,865,021 IN LOANS AND 8,219 ACCOUNTS WITH SAVINGS OF $30,846,660.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt023
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt02308
IRS990/FeesForServicesAccountingGrp/TotalAmt02308
IRS990/FeesForServicesLegalGrp/FundraisingAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt058
IRS990/FeesForServicesLegalGrp/TotalAmt058
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt068626
IRS990/FeesForServicesOtherGrp/TotalAmt068626
IRS990/FeesForSrvcInvstMgmntFeesGrp/FundraisingAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt02088
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt02088
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/OtherCompensationAmt53078
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt618399
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt722612
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/ReportableCompFromOrgAmt554524
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt665030
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt755443
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/GrossReceiptsAmt01769863
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt030231
IRS990/InformationTechnologyGrp/TotalAmt030231
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt0101914
IRS990/InterestGrp/TotalAmt0101914
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0523718
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt018705100
IRS990/InvestmentsProgramRelatedGrp/EOYAmt017520100
IRS990/IRPDocumentCnt0770
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0477119
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01244495
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01223086
IRS990/LandBldgEquipCostOrOtherBssAmt01700205
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/NetAssetsOrFundBalancesBOYAmt05986222
IRS990/NetAssetsOrFundBalancesEOYAmt06333705
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt0123621
IRS990/OccupancyGrp/TotalAmt0123621
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt0193789
IRS990/OfficeExpensesGrp/TotalAmt0193789
IRS990/OfficerMailingAddressInd0true
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01895709
IRS990/OtherAssetsTotalGrp/EOYAmt02183495
IRS990/OtherChangesInNetAssetsAmt02
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt09716
IRS990/OtherEmployeeBenefitsGrp/TotalAmt09716
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/ProgramServicesAmt012449
IRS990/OtherExpensesGrp/ProgramServicesAmt192318
IRS990/OtherExpensesGrp/ProgramServicesAmt2100127
IRS990/OtherExpensesGrp/ProgramServicesAmt32007
IRS990/OtherExpensesGrp/TotalAmt012449
IRS990/OtherExpensesGrp/TotalAmt192318
IRS990/OtherExpensesGrp/TotalAmt2100127
IRS990/OtherExpensesGrp/TotalAmt32007
IRS990/OtherLiabilitiesGrp/BOYAmt030420353
IRS990/OtherLiabilitiesGrp/EOYAmt030685057
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/BusinessCd1522130
IRS990/OtherRevenueMiscGrp/Desc0FEES & CHARGES
IRS990/OtherRevenueMiscGrp/Desc1MISC OPERATING
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0484714
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt183431
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0484714
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt183431
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueTotalAmt0568145
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0339192
IRS990/OtherSalariesAndWagesGrp/TotalAmt0339192
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt012364633
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt013584846
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt038298
IRS990/PayrollTaxesGrp/TotalAmt038298
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt06317
IRS990/PensionPlanContributionsGrp/TotalAmt06317
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt053886
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt061205
IRS990/PrincipalOfficerNm0CAROL SMITH
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0678000
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0419764
IRS990/PYOtherExpensesAmt0774686
IRS990/PYOtherRevenueAmt0588777
IRS990/PYProgramServiceRevenueAmt0600761
IRS990/PYRevenuesLessExpensesAmt0269802
IRS990/PYSalariesCompEmpBnftPaidAmt0564814
IRS990/PYTotalExpensesAmt01339500
IRS990/PYTotalRevenueAmt01609302
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0204808
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0237406
IRS990/ReconcilationRevenueExpnssAmt0347481
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05986222
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06333705
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01081096
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01424096
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0985380
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0477119
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01462499
IRS990ScheduleD/EquipmentGrp/BookValueAmt0156956
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0156956
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt017520000
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/BookValueAmt027605
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt172000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt212000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt31545288
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt4300811
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt5-104209
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt6330000
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0PSCU INVESTMENT/FUNDING
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1PSCU PREFUNDING
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2PSCU PREFUNDING VISA
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3COLI CUNA MUTUAL
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4NCUSIF CAPITALIZATION FUND
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5ATM POSTINGS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc6CU ANSWERS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt030685057
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01223086
IRS990ScheduleD/TotalBookValueOtherAssetsAmt02183495
IRS990ScheduleD/TotalBookValueProgramRltdAmt017520100
IRS990ScheduleD/TotalLiabilityAmt030685057
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt08039
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt16882
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt225058
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt34943
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt41800
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5669
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt625376
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt714920
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt842055
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt91538
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt103409
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1112
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt125089
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1315327
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt141290
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1514311
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1616594
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt178713
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1813239
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt196166
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2013764
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt214692
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt223520
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

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

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