Liabilities / Assets
41st percentile
Higher debt load relative to assets than 41% of similar nonprofits.
990 • Fiscal year 2013 • EIN 36-0757152
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
53rd percentile
Higher debt load relative to revenue than 53% of similar nonprofits.
Net Margin
55th percentile
Higher net margin than 55% of similar nonprofits.
Top Officer Pay
51st percentile
Higher top officer pay than 51% of similar nonprofits.
Top officer pay equals 8.4% of source-year revenue.
Asset Growth
55th percentile
Faster asset growth than 55% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Assets
Up$19,414,506
Up $349,062 (+1.8%) from 2012
Net Assets
Up$2,731,570
Up $33,119 (+1.2%) from 2012
Liabilities
Up$16,682,936
Up $315,943 (+1.9%) from 2012
Revenue
$820,294
No earlier filing loaded for comparison.
Expenses
Down$777,972
Down $281,393 (-27%) from 2012
Net Income
$42,322
No earlier filing loaded for comparison.
Illinois state chartered credit union operated for the mutual benefit of its members. The Credit Union makes loans to members and pays dividends to members with share deposits at a competetive rate of interest.
To assist our members in the management of their financial well-being by providing loans, savings accounts and other financial institution services in a friendly professional manner.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $9,077,169 | $8,973,457 | ▼ $103,712 |
| Investments in Publicly Traded Securities | $4,149,192 | $5,649,412 | ▲ $1,500,220 |
| Savings and Temporary Cash Investments | $4,680,387 | $3,900,790 | ▼ $779,597 |
| Rtn Earn Endowment Incm Other Fnds | $2,698,451 | $2,731,570 | ▲ $33,119 |
| Land, Buildings, and Equipment, Net | $460,609 | $465,129 | ▲ $4,520 |
| Prepaid Expenses and Deferred Charges | $207,714 | $226,785 | ▲ $19,071 |
| Cash and Non-Interest-Bearing Accounts | $164,816 | $165,624 | ▲ $808 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $19,065,444 | $19,414,506 | ▲ $349,062 |
| Other Assets Total | $325,557 | $33,309 | ▼ $292,248 |
| Liabilities | |||
| Other Liabilities | $16,310,805 | $16,628,765 | ▲ $317,960 |
| Accounts Payable and Accrued Expenses | $56,188 | $54,171 | ▼ $2,017 |
| Total Liabilities | $16,366,993 | $16,682,936 | ▲ $315,943 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,698,451 | $2,731,570 | ▲ $33,119 |
| Total Liabilities and Net Assets / Fund Balance | $19,065,444 | $19,414,506 | ▲ $349,062 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $235,819 | $547,771 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $141,517 | - | $0 |
| Equipment | $43,673 | $433,853 | $0 |
| Leasehold Improvements | $44,120 | $73,675 | $0 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Kelley Howard | CEO | FT | $69,000 | $69,000 |
| Jacy Mosser | Vice President | FT | $37,000 | $37,000 |
| Name | Title |
|---|---|
| Clifton Bartelt | Vice Chairman |
| Dennis Ahrens | Director |
| Dr Worley | Director |
| Liam Dixon | Director |
| Maureen Flinn | Director |
| Omar Espinosa | Director |
| Timothy Groom | Director |
| Richard Irvin | Chariman |
| Elizabeth Jarvis | Secretary |
| Reginald Campbell | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $520,700 |
| Salaries, Compensation, and Employee Benefits | $257,272 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Office Expenses | - | - | - | $125,855 |
| Other Salaries and Wages | - | - | - | $108,891 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $90,599 |
| Occupancy | - | - | - | $77,222 |
| Fees for Services Other | - | - | - | $43,864 |
| Other Employee Benefits | - | - | - | $35,957 |
| Depreciation Depletion | - | - | - | $31,308 |
| Other Expenses | - | - | - | $29,418 |
| Advertising | - | - | - | $28,848 |
| Information Technology | - | - | - | $23,596 |
| Payroll Taxes | - | - | - | $21,825 |
| Fees for Services Legal | - | - | - | $15,932 |
| Payments to Affiliates | - | - | - | $9,248 |
| All Other Expenses | - | - | - | $8,266 |
| Fees for Services Accounting | - | - | - | $7,200 |
| Travel | - | - | - | $6,072 |
| Conferences and Meetings | - | - | - | $847 |
| Interest | - | - | - | $8 |
| Total Functional Expenses | $0 | $0 | $0 | $777,972 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Shares | $16,628,765 |
“All people that join the Credit Union are members.”
“All our members elect the governing body each year at the annual meeting.”
“Many issues are decided and voted upon by the membership only.”
“Form 990 is reviewed and discussed at a regular monthly board meeting.”
“The Supervisory Committee monitors quarterly.”
“The CEO and Vice-President compensation is reviewed annually by an independent committee using comparability data and CUNA salary guidelines.”
“The 990 is posted at the Credit Union.”
“They are posted at the Credit Union and also available upon request.”
“NCUA Stabilization Expense”
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 | 1 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 56188 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 54171 |
| IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | To assist our members in the management of their financial well-being by providing loans, savings accounts and other financial institution services in a friendly professional manner. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 28848 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 8266 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Kelley Howard |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6308592276 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 575 N Broadway |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | Aurora |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | IL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 60505 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 164816 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 165624 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 90599 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 847 |
| 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 | 113939 |
| IRS990/CYOtherExpensesAmt | 0 | 520700 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 706355 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 42322 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 257272 |
| IRS990/CYTotalExpensesAmt | 0 | 777972 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 820294 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 31308 |
| IRS990/Desc | 0 | Provided consumer loans to 287 members. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 8 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/ExpenseAmt | 0 | 0 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 7200 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 15932 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 43864 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 45 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 0.50 |
| 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/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/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Dennis Ahrens |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Clifton Bartelt |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Richard Irvin |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Dr Worley |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Reginald Campbell |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Kelley Howard |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Jacy Mosser |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Elizabeth Jarvis |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Liam Dixon |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Timothy Groom |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Omar Espinosa |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | Maureen Flinn |
| 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 | 69000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 37000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Chariman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | Director |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1936 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 10 |
| IRS990/GrantAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 820294 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 10 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 23596 |
| IRS990/InterestGrp/TotalAmt | 0 | 8 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 113939 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 113939 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 4149192 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 5649412 |
| IRS990/IRPDocumentCnt | 0 | 199490 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1055299 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 460609 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 465129 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1520428 |
| IRS990/LegalDomicileStateCd | 0 | IL |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingCashInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | To provide the highest level of personal financial services in a friendly, professional manner; to encourage thrift, savings and the wise use of credit; to increase the knowledge and ability of our members to manage and control their financial well-being; to provide sound financial management in order to maintain earnings for our continued growth. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 2698451 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 2731570 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NoListedPersonsCompensatedInd | 0 | X |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 77222 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 125855 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 325557 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 33309 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -9203 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 35957 |
| IRS990/OtherExpensesGrp/Desc | 0 | Provision for Loan Loss |
| IRS990/OtherExpensesGrp/Desc | 1 | Dividend Expense |
| IRS990/OtherExpensesGrp/Desc | 2 | Foreclosure Expenses |
| IRS990/OtherExpensesGrp/Desc | 3 | Visa Debit & Credit Card Expenses |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | -8060 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 51186 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 69890 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 29418 |
| IRS990/OtherInd | 0 | X |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 16310805 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 16628765 |
| IRS990/OtherOrganizationDsc | 0 | Cooperative |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 108891 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 9077169 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 8973457 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 9248 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 21825 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 207714 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 226785 |
| IRS990/PrincipalOfficerNm | 0 | Kelley Howard |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fees and Charges |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Misc Operating Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 610005 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 43350 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 53000 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 610005 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 43350 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 53000 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Provided first mortgage loans to 2 members. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/GrantAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Received deposits on savings from 893 members. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy3Grp/GrantAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy3Grp/RevenueAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | Home Repair Programs: Provided HELOC loans to 4 members |
| IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt | 0 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 105578 |
| IRS990/PYOtherExpensesAmt | 0 | 811064 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 717994 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -235793 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 248301 |
| IRS990/PYTotalExpensesAmt | 0 | 1059365 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 823572 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 42322 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 2698451 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2731570 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 4680387 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3900790 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 235819 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 547771 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 783590 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 43673 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 433853 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 477526 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 141517 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 141517 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 44120 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 73675 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 117795 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 16628765 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Shares |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 465129 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 16628765 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | All people that join the Credit Union are members. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | All our members elect the governing body each year at the annual meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Many issues are decided and voted upon by the membership only. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Form 990 is reviewed and discussed at a regular monthly board meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | The Supervisory Committee monitors quarterly. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | The CEO and Vice-President compensation is reviewed annually by an independent committee using comparability data and CUNA salary guidelines. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | The 990 is posted at the Credit Union. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | They are posted at the Credit Union and also available upon request. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | NCUA Stabilization Expense |
| 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 A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, Line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section C, Line 18 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Form 990, Part VI, Section C, Line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Form 990, Part XI, Line 9 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 19065444 |
| IRS990/TotalAssetsEOYAmt | 0 | 19414506 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 19065444 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 19414506 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 8 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 777972 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 16366993 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 16682936 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 16366993 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 16682936 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 2698451 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 2731570 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcGrantAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcRevenueAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 0 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 706355 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 106000 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 820294 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 820294 |
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Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.