Civic Intelligence

Members Advantage Credit Union

EIN 35-6032041 • 501(c)14 • Michigan City, IN

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Profile

State chartered credit union members advantage is a full-service financial institution offering a variety of products and services including various loans, interest bearing checking accts, money

3064 South Ohio StreetMichigan City, IN 46360

www.macuonline.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

85th percentile

0.92x

Higher debt load relative to assets than 85% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2021

Liabilities / Revenue

95th percentile

25.50x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2021

Net Margin

21st percentile

3.8%

Higher net margin than 21% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2021

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

91st percentile

10.0%

Faster asset growth than 91% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2020 to 2021

Revenue Growth

7th percentile

-2.2%

Faster revenue growth than 7% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$123,198,834

Up $1,750,985 (+1.4%) from 2023

Liabilities

Up

$113,811,117

Up $468,629 (+0.4%) from 2023

Net Assets

Up

$9,387,717

Up $1,282,356 (+16%) from 2023

Operations
Liabilities / Revenue95th percentileNet Margin21st percentile

Revenue

Up

$6,037,069

Up $381,748 (+6.8%) from 2023

Expenses

Up

$5,861,609

Up $749,674 (+15%) from 2023

Net Income

Down

$175,460

Down $367,926 (-68%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth91st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150M$100M$50M$0Assets 2010: $75,937,605Liabilities 2010: $67,532,638Net Assets 2010: $8,404,9672010Assets 2011: $80,584,498Liabilities 2011: $71,752,706Net Assets 2011: $8,831,7922011Assets 2012: $85,308,154Liabilities 2012: $76,231,994Net Assets 2012: $9,076,1602012Assets 2013: $87,771,576Liabilities 2013: $78,497,805Net Assets 2013: $9,273,7712013Assets 2014: $87,909,985Liabilities 2014: $78,334,322Net Assets 2014: $9,575,6632014Assets 2015: $90,597,111Liabilities 2015: $81,109,629Net Assets 2015: $9,487,4822015Assets 2016: $92,344,004Liabilities 2016: $83,028,841Net Assets 2016: $9,315,1632016Assets 2017: $93,415,604Liabilities 2017: $84,017,273Net Assets 2017: $9,398,3312017Assets 2018: $94,104,884Liabilities 2018: $84,319,544Net Assets 2018: $9,785,3402018Assets 2019: $99,346,589Liabilities 2019: $88,743,759Net Assets 2019: $10,602,8302019Assets 2020: $117,534,130Liabilities 2020: $106,198,879Net Assets 2020: $11,335,2512020Assets 2021: $129,281,584Liabilities 2021: $118,947,576Net Assets 2021: $10,334,0082021Assets 2022: $126,862,726Liabilities 2022: $121,132,843Net Assets 2022: $5,729,8832022Assets 2023: $121,447,849Liabilities 2023: $113,342,488Net Assets 2023: $8,105,3612023Assets 2024: $123,198,834Liabilities 2024: $113,811,117Net Assets 2024: $9,387,7172024

Highlighted filing

2024

Assets$123,198,834
Liabilities$113,811,117
Net Assets$9,387,717
Open 2024 Filing

Operations Trend

Revenue Growth7th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $4,253,2702010Expenses 2011: $3,904,3872011Expenses 2012: $3,743,5392012Revenue 2013: $3,903,833Expenses 2013: $3,706,221Net Income 2013: $197,6122013Revenue 2014: $3,865,939Expenses 2014: $3,564,049Net Income 2014: $301,8902014Revenue 2015: $3,816,321Expenses 2015: $3,675,673Net Income 2015: $140,6482015Revenue 2016: $3,921,511Expenses 2016: $3,729,546Net Income 2016: $191,9652016Revenue 2017: $3,977,782Expenses 2017: $3,837,717Net Income 2017: $140,0652017Revenue 2018: $4,491,092Expenses 2018: $4,218,764Net Income 2018: $272,3282018Revenue 2019: $4,945,203Expenses 2019: $4,780,604Net Income 2019: $164,5992019Revenue 2020: $4,766,757Expenses 2020: $4,645,483Net Income 2020: $121,2742020Revenue 2021: $4,664,248Expenses 2021: $4,488,695Net Income 2021: $175,5532021Revenue 2022: $5,006,380Expenses 2022: $4,675,619Net Income 2022: $330,7612022Revenue 2023: $5,655,321Expenses 2023: $5,111,935Net Income 2023: $543,3862023Revenue 2024: $6,037,069Expenses 2024: $5,861,609Net Income 2024: $175,4602024

Highlighted filing

2024

Revenue$6,037,069
Expenses$5,861,609
Net Income$175,460
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$123,198,834
Liabilities
$113,811,117
Net assets
$9,387,717
Revenue
$6,037,069
Expenses
$5,861,609
Net income
$175,460
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$123$114$9.39$6.04$5.86$0.18
2023Detailed filing. Detailed filing data is available for this year.$121$113$8.11$5.66$5.11$0.54
2022Detailed filing. Detailed filing data is available for this year.$127$121$5.73$5.01$4.68$0.33
2021Detailed filing. Detailed filing data is available for this year.$129$119$10.3$4.66$4.49$0.18
2020Detailed filing. Detailed filing data is available for this year.$118$106$11.3$4.77$4.65$0.12
2019Detailed filing. Detailed filing data is available for this year.$99.3$88.7$10.6$4.95$4.78$0.16
2018Detailed filing. Detailed filing data is available for this year.$94.1$84.3$9.79$4.49$4.22$0.27
2017Detailed filing. Detailed filing data is available for this year.$93.4$84.0$9.40$3.98$3.84$0.14
2016Detailed filing. Detailed filing data is available for this year.$92.3$83.0$9.32$3.92$3.73$0.19
2015Detailed filing. Detailed filing data is available for this year.$90.6$81.1$9.49$3.82$3.68$0.14
2014Detailed filing. Detailed filing data is available for this year.$87.9$78.3$9.58$3.87$3.56$0.30
2013Detailed filing. Detailed filing data is available for this year.$87.8$78.5$9.27$3.90$3.71$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$85.3$76.2$9.08$3.74
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$80.6$71.8$8.83$3.90
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$75.9$67.5$8.40$4.25
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 14, 2025
Return Version
2024v5.1
Gross Receipts
$6,037,069
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$35,211,331$53,153,806▲ $17,942,475
Investments Other Securities$34,089,440$30,495,498▼ $3,593,942
Investments in Publicly Traded Securities$27,665,110$27,446,404▼ $218,706
Accounts Receivable$15,540,675--
Rtn Earn Endowment Incm Other Fnds$8,105,361$9,387,717▲ $1,282,356
Savings and Temporary Cash Investments-$5,328,432-
Land, Buildings, and Equipment, Net$3,035,250$2,887,750▼ $147,500
Cash and Non-Interest-Bearing Accounts$1,693,792$859,409▼ $834,383
Prepaid Expenses and Deferred Charges$412,433$242,230▼ $170,203
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$121,447,849$123,198,834▲ $1,750,985
Other Assets Total$3,799,818$2,785,305▼ $1,014,513
Liabilities
Other Liabilities$112,371,222$113,235,259▲ $864,037
Accounts Payable and Accrued Expenses$971,266$575,858▼ $395,408
Total Liabilities$113,342,488$113,811,117▲ $468,629
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,105,361$9,387,717▲ $1,282,356
Total Liabilities and Net Assets / Fund Balance$121,447,849$123,198,834▲ $1,750,985

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,620,685$1,859,762$3,480,447
Equipment$198,149$1,329,899$1,528,048
Land$1,068,916-$1,068,916
Other Securities$30,064--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleBaseOtherTotal
Frank BeachnauPresident/CEO$142,171$34,184$176,355
Robert HavensVice President$135,534$36,595$172,129

Board Members and Trustees

NameTitle
Michael PalmerChairman
Jack Van EttenVice Chairman
Ben NeitzelDirector
Dennis FischerDirector
Fran BrennanDirector
George KazmierczakTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,443,003
Investment Income
$1,594,066
Other Revenue
$0
Change in Net Assets
$175,460

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,037,069
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$6,037,069
Total Revenue per Form 990
$6,037,069
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,214,786
Salaries, Compensation, and Employee Benefits$1,646,823
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$1,288,488--$1,288,488
Other Salaries and Wages$962,124--$962,124
Fees for Services Other$566,379--$566,379
Information Technology$291,087--$291,087
Current Officers, Directors, Trustees, and Key Employees$277,705--$277,705
Other Employee Benefits$264,798--$264,798
Occupancy$238,251--$238,251
Office Expenses$237,092--$237,092
Advertising$223,973--$223,973
Depreciation Depletion$192,297--$192,297
Payroll Taxes$98,685--$98,685
Other Expenses$57,917--$57,917
Insurance$54,479--$54,479
Fees for Services Accounting$53,546--$53,546
Pension Plan Contributions$43,511--$43,511
Travel$36,161--$36,161
All Other Expenses$21,433--$21,433
Fees for Services Legal$8,600--$8,600
Conferences and Meetings$5,411--$5,411
Total Functional Expenses$5,861,609$0$0$5,861,609

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,861,609
Total Expenses per Audited Statements$5,861,609
Total Expenses per Form 990$5,861,609
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$113,235,259
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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, Section A, Line 6

“Anyone who lives or works in laporte, porter, and lake counties, indiana can become a member of members advantage credit union.”

Form 990, Part VI, Section A, Line 7A

“Credit union members elect board of directors at the annual meeting.”

Form 990, Part VI, Section B, Line 11B

“A completed form 990 is reviewed by management prior to submitting to the internal revenue service.”

Form 990, Part VI, Section B, Line 12

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

Form 990, Part VI, Section B, Line 15

“Executive compensation is reviewed and set by the board of directors”

Form 990, Part VI, Section C, Line 18

“The association makes organizing documents and recent form 990 available upon written request.”

Form 990, Part VI, Section C, Line 19

“The association makes organizing documents and recent form 990 available upon written request.”

Filing and Contact Details

Filer

Filer Name
Members Advantage Credit Union
EIN
35-6032041
Phone
2198746943
Address
3064 SOUTH OHIO STREET, MICHIGAN CITY, IN 46360

Signing Officer

Name
Robert Havens
Title
Executive Vice President
Phone
2198746943
Signed
2025-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Havens
Formed
1962
Legal Domicile
In
Voting Board Members
7
Independent Board Members
6
Employees
27
Volunteers
0

Preparer

Firm
Whitinger & Company LLC
Address
1100 W WHITE RIVER BLVD, MUNCIE, IN 47303-3776
Preparer
Terry D Brumley CPA
Phone
7652843384
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in unrealized investment loss 1,106,896.”

Raw XML AppendixShowing 400 of 513 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
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IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt08105361
IRS990/NetAssetsOrFundBalancesEOYAmt09387717
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt0238251
IRS990/OccupancyGrp/TotalAmt0238251
IRS990/OfficeExpensesGrp/ProgramServicesAmt0237092
IRS990/OfficeExpensesGrp/TotalAmt0237092
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03799818
IRS990/OtherAssetsTotalGrp/EOYAmt02785305
IRS990/OtherChangesInNetAssetsAmt01106896
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0264798
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0264798
IRS990/OtherExpensesGrp/Desc0LOAN SERVICE EXPENSE
IRS990/OtherExpensesGrp/Desc1SHARE EXPENSE
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/ProgramServicesAmt0689771
IRS990/OtherExpensesGrp/ProgramServicesAmt1173230
IRS990/OtherExpensesGrp/ProgramServicesAmt276671
IRS990/OtherExpensesGrp/ProgramServicesAmt357917
IRS990/OtherExpensesGrp/TotalAmt0689771
IRS990/OtherExpensesGrp/TotalAmt1173230
IRS990/OtherExpensesGrp/TotalAmt276671
IRS990/OtherExpensesGrp/TotalAmt357917
IRS990/OtherLiabilitiesGrp/BOYAmt0112371222
IRS990/OtherLiabilitiesGrp/EOYAmt0113235259
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0962124
IRS990/OtherSalariesAndWagesGrp/TotalAmt0962124
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt035211331
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt053153806
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ProgramServicesAmt098685
IRS990/PayrollTaxesGrp/TotalAmt098685
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt043511
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IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0412433
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0242230
IRS990/PrincipalOfficerNm0ROBERT HAVENS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1774999
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2662699
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03005305
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1774999
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2662699
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01186378
IRS990/PYOtherExpensesAmt03581302
IRS990/PYOtherRevenueAmt01836886
IRS990/PYProgramServiceRevenueAmt02632057
IRS990/PYRevenuesLessExpensesAmt0543386
IRS990/PYSalariesCompEmpBnftPaidAmt01530633
IRS990/PYTotalExpensesAmt05111935
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05655321
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0175460
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08105361
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09387717
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05328432
IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt01859762
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03480447
IRS990ScheduleD/EquipmentGrp/BookValueAmt0198149
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01329899
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01528048
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt05861609
IRS990ScheduleD/LandGrp/BookValueAmt01068916
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01068916
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0113235259
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt029603489
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1675045
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2186900
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt330064
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MEMBERSHIP SHARES
IRS990ScheduleD/OtherSecuritiesGrp/Desc2FEDERAL HOME LOAN BANK
IRS990ScheduleD/OtherSecuritiesGrp/Desc3OTHER
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt06037069
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02887750
IRS990ScheduleD/TotalBookValueSecuritiesAmt030495498
IRS990ScheduleD/TotalExpensesPerForm990Amt05861609
IRS990ScheduleD/TotalLiabilityAmt0113235259
IRS990ScheduleD/TotalRevenuePerForm990Amt06037069
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt06037069
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt05861609
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0142171
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1135534
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt06537
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt16222
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt027647
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt130373
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0FRANK BEACHNAU
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VICE PRESIDENT
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1172129
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt015513
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt246607
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt330653
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt454725
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd81
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd70
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd80
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2OVERDRAFT PROTECTION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3OVERDRAFT PROTECTION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4OVERDRAFT PROTECTION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5OVERDRAFT PROTECTION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt071000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt160000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt290000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt330653
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt41000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt51000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt6800
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt758094
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt81000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0ROBERT HAVENS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1ROBERT HAVENS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2ROBERT HAVENS

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