Civic Intelligence

Vicinity Credit Union

990 • Fiscal year 2020 • EIN 36-1894017

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 03, 2021

Organization Profilewww.unitedcreditunion.com

View Organization Page

4444 S Pulaski RdChicago, IL 60632

(773) 376-6000

Siviq Scores

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

Liabilities / Assets

80th percentile

0.92x

Higher debt load relative to assets than 80% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

96th percentile

30.21x

Higher debt load relative to revenue than 96% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Net Margin

9th percentile

2.0%

Higher net margin than 9% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

2nd percentile

$144,271

Higher top officer pay than 2% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Asset Growth

5th percentile

5.3%

Faster asset growth than 5% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Revenue Growth

11th percentile

-10%

Faster revenue growth than 11% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$262,017,258

Up $13,223,487 (+5.3%) from 2019

Net Assets

Up

$22,268,775

Up $241,022 (+1.1%) from 2019

Liabilities

Up

$239,748,483

Up $12,982,465 (+5.7%) from 2019

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin9th percentile

Revenue

Down

$7,935,047

Down $889,963 (-10%) from 2019

Expenses

Down

$7,776,278

Down $639,150 (-7.6%) from 2019

Net Income

Down

$158,769

Down $250,813 (-61%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth5th percentile

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

$300M$200M$100M$0Assets 2010: $141,817,593Liabilities 2010: $122,904,537Net Assets 2010: $18,913,0562010Assets 2011: $144,909,694Liabilities 2011: $126,095,054Net Assets 2011: $18,814,6402011Assets 2012: $150,504,549Liabilities 2012: $132,173,025Net Assets 2012: $18,331,5242012Assets 2013: $162,539,881Liabilities 2013: $143,758,791Net Assets 2013: $18,781,0902013Assets 2014: $162,032,292Liabilities 2014: $143,654,856Net Assets 2014: $18,377,4362014Assets 2015: $167,376,703Liabilities 2015: $148,667,341Net Assets 2015: $18,709,3622015Assets 2016: $168,702,686Liabilities 2016: $149,182,693Net Assets 2016: $19,519,9932016Assets 2017: $173,371,925Liabilities 2017: $153,366,340Net Assets 2017: $20,005,5852017Assets 2018: $203,864,202Liabilities 2018: $183,076,434Net Assets 2018: $20,787,7682018Assets 2019: $248,793,771Liabilities 2019: $226,766,018Net Assets 2019: $22,027,7532019Assets 2020: $262,017,258Liabilities 2020: $239,748,483Net Assets 2020: $22,268,7752020Assets 2021: $261,855,618Liabilities 2021: $241,298,465Net Assets 2021: $20,557,1532021Assets 2022: $295,434,711Liabilities 2022: $287,591,972Net Assets 2022: $7,842,7392022Assets 2023: $286,556,422Liabilities 2023: $278,368,040Net Assets 2023: $8,188,3822023Assets 2024: $275,637,523Liabilities 2024: $266,493,847Net Assets 2024: $9,143,6762024

Highlighted filing

2020

Assets$262,017,258
Liabilities$239,748,483
Net Assets$22,268,775
Open 2020 Filing

Operations Trend

Revenue Growth11th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $6,743,4372010Expenses 2011: $6,372,7022011Expenses 2012: $5,787,5102012Revenue 2013: $4,877,569Expenses 2013: $5,107,203Net Income 2013: -$229,6342013Revenue 2014: $4,892,436Expenses 2014: $4,872,051Net Income 2014: $20,3852014Revenue 2015: $5,403,574Expenses 2015: $6,103,458Net Income 2015: -$699,8842015Revenue 2016: $6,035,898Expenses 2016: $5,163,102Net Income 2016: $872,7962016Revenue 2017: $6,117,826Expenses 2017: $5,590,172Net Income 2017: $527,6542017Revenue 2018: $6,756,927Expenses 2018: $6,049,621Net Income 2018: $707,3062018Revenue 2019: $8,825,010Expenses 2019: $8,415,428Net Income 2019: $409,5822019Revenue 2020: $7,935,047Expenses 2020: $7,776,278Net Income 2020: $158,7692020Revenue 2021: $8,121,425Expenses 2021: $7,302,647Net Income 2021: $818,7782021Revenue 2022: $9,439,159Expenses 2022: $9,232,178Net Income 2022: $206,9812022Revenue 2023: $13,822,381Expenses 2023: $14,104,087Net Income 2023: -$281,7062023Revenue 2024: $13,283,274Expenses 2024: $13,603,782Net Income 2024: -$320,5082024

Highlighted filing

2020

Revenue$7,935,047
Expenses$7,776,278
Net Income$158,769
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 3, 2021
Return Version
2020v4.0
Gross Receipts
$7,935,047
Mission and Program Overview

Mission

To encourage savings and provide credit at a reasonable interest rate, for the benefit for members.

To encourage savings and provide credit at a reasonable interest rate, for the benefit of members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$130,572,255$99,394,128▼ $31,178,127
Investments in Publicly Traded Securities$63,018,327$76,200,565▲ $13,182,238
Investments Other Securities$33,478,010$43,140,373▲ $9,662,363
Savings and Temporary Cash Investments$7,352,856$30,303,250▲ $22,950,394
Rtn Earn Endowment Incm Other Fnds$22,027,753$22,268,775▲ $241,022
Land, Buildings, and Equipment, Net$2,762,164$2,376,216▼ $385,948
Accounts Receivable$2,148,563$1,312,361▼ $836,202
Prepaid Expenses and Deferred Charges$404,707$263,477▼ $141,230
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$248,793,771$262,017,258▲ $13,223,487
Other Assets Total$9,056,889$9,026,888▼ $30,001
Liabilities
Other Liabilities$191,636,259$232,201,412▲ $40,565,153
Mortgage Notes Payable Secured by Investment Property$34,523,000$7,000,000▼ $27,523,000
Accounts Payable and Accrued Expenses$606,759$547,071▼ $59,688
Total Liabilities$226,766,018$239,748,483▲ $12,982,465
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,027,753$22,268,775▲ $241,022
Total Liabilities and Net Assets / Fund Balance$248,793,771$262,017,258▲ $13,223,487

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$539,123$3,534,174$4,073,297
Equipment$758,618$1,802,295$2,560,913
Leasehold Improvements$356,875$316,942$673,817
Land$659,117-$659,117
Other Land Buildings$62,483$0$62,483
Other Securities$43,140,373--
Compensation and Service Providers
Top Officer Pay2nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mario AguirrePresident/CEOFT$144,271$144,271
John LenzChief Financial OfficerFT$102,234$102,234
Maria TravisChief Retail Operations OfficerFT$98,465$98,465

Board Members and Trustees

NameTitle
Carolyn JohsonBoard Chair
Andrew RowlasBoard Vice Chair
Carla StewartBoard Member
Neal SuweBoard Member
Therese BoyleBoard Member
Virginia Bautista-WhiteBoard Member
Jaime Groth SearleBoard Secretary
Phillip MooreBoard Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservComputer System ProviderPO Box 934057, 1901 W Carroll, Atlanta, GA 31193-4057$593,871
Health Care Service CorporationEmployee Health InsurancePO Box 650615, Dallas, TX 75265-0615$310,458
At&tPhone and internet servicePO Box 5080, carol Stream, IL 60197-5080$213,101
Chicago Teachers Union FoundationRent for one Branch OfficeAttn Executive Director, Chicago, IL 60612$139,883
Microdynamics CorpStatement processingPO Box 8307, Southeastern, PA 19398$136,987
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,853,059
Investment Income
$2,081,988
Other Revenue
$0
Change in Net Assets
$158,769

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,935,047
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$7,935,047
Total Revenue per Form 990
$7,935,047
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,015,594
Salaries, Compensation, and Employee Benefits$2,760,684
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,010,405
Interest---$1,284,178
Occupancy---$956,235
Depreciation Depletion---$513,246
Office Expenses---$494,489
Current Officers, Directors, Trustees, and Key Employees---$344,970
All Other Expenses---$210,587
Other Employee Benefits---$193,493
Information Technology---$188,610
Payroll Taxes---$186,764
Other Expenses---$117,478
Fees for Services Accounting---$106,513
Advertising---$85,746
Fees for Services Legal---$79,006
Insurance---$60,606
Pension Plan Contributions---$25,052
Conferences and Meetings---$16,874
Travel---$16,874
Fees for Services Management---$6,041
Total Functional Expenses$0$0$0$7,776,278

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$7,776,278
Total Expenses per Audited Statements$7,776,278
Total Expenses per Form 990$7,776,278
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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 Share Deposits$206,761,809
Nonmember Share Deposits$25,439,603
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Depositors in the credit union are considered members with full membership rights.”

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

“All members have the right to vote for the Board of Directors. All members have the saem voting rights.”

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

“The CFO prepares teh 990 and the President/CEO reviews and approves.”

Form 990, Part VI, Section B, Line 12C

“each employee, officer, and director must notify the credit union of any conflicts, then the Board will decide how to handle them.”

Form 990, Part VI, Section B, Line 15

“The Board of Directors determine salary of all officers based upon achievement of objectives set by the Board.”

Form 990, Part VI, Section C, Line 19

“The Credit Union makes most documents available upon request.”

Filing and Contact Details

Filer

Filer Name
United Credit Union
EIN
36-1894017
Phone
7733766000
Address
4444 S Pulaski Rd, Chicago, IL 60632

Signing Officer

Name
John Lenz
Title
Chief Financial Officer
Phone
7738439421
Signed
2021-11-03

Organization Details

Principal Officer
John Lenz
Formed
1931
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
67
Volunteers
9
Raw XML AppendixShowing 400 of 535 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.

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IRS990/Form990PartVIISectionAGrp/PersonNm0Mario Aguirre
IRS990/Form990PartVIISectionAGrp/PersonNm1John Lenz
IRS990/Form990PartVIISectionAGrp/PersonNm2Maria Travis
IRS990/Form990PartVIISectionAGrp/PersonNm3Carolyn Johson
IRS990/Form990PartVIISectionAGrp/PersonNm4Andrew Rowlas
IRS990/Form990PartVIISectionAGrp/PersonNm5Phillip Moore
IRS990/Form990PartVIISectionAGrp/PersonNm6Jaime Groth Searle
IRS990/Form990PartVIISectionAGrp/PersonNm7Neal Suwe
IRS990/Form990PartVIISectionAGrp/PersonNm8Carla Stewart
IRS990/Form990PartVIISectionAGrp/PersonNm9Therese Boyle
IRS990/Form990PartVIISectionAGrp/PersonNm10Virginia Bautista-White
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IRS990/Form990PartVIISectionAGrp/TitleTxt0President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chief Financial Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chief Retail Operations Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt10Board Member
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01931
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt07935047
IRS990/GroupReturnForAffiliatesInd00
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IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
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IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0188610
IRS990/InsuranceGrp/TotalAmt060606
IRS990/InterestGrp/TotalAmt01284178
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02081988
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02081988
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt033478010
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt043140373
IRS990/InvestmentsPubTradedSecGrp/BOYAmt063018327
IRS990/InvestmentsPubTradedSecGrp/EOYAmt076200565
IRS990/IRPDocumentCnt02128
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05653411
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02762164
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02376216
IRS990/LandBldgEquipCostOrOtherBssAmt08029627
IRS990/LegalDomicileStateCd0IL
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To encourage savings and provide credit at a reasonable interest rate, for the benefit for members.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt034523000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt07000000
IRS990/NetAssetsOrFundBalancesBOYAmt022027753
IRS990/NetAssetsOrFundBalancesEOYAmt022268775
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt082253
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0956235
IRS990/OfficeExpensesGrp/TotalAmt0494489
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09056889
IRS990/OtherAssetsTotalGrp/EOYAmt09026888
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0193493
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1EFT Network
IRS990/OtherExpensesGrp/Desc2Coop Shared Branching
IRS990/OtherExpensesGrp/Desc3Loan Servicing
IRS990/OtherExpensesGrp/TotalAmt0607678
IRS990/OtherExpensesGrp/TotalAmt1205480
IRS990/OtherExpensesGrp/TotalAmt265953
IRS990/OtherExpensesGrp/TotalAmt3117478
IRS990/OtherLiabilitiesGrp/BOYAmt0191636259
IRS990/OtherLiabilitiesGrp/EOYAmt0232201412
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt02010405
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0130572255
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt099394128
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0186764
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt025052
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0404707
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0263477
IRS990/PrincipalOfficerNm0John Lenz
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans Service Fees
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05853059
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05853059
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02720463
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt05728415
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt06104547
IRS990/PYRevenuesLessExpensesAmt0409582
IRS990/PYSalariesCompEmpBnftPaidAmt02687013
IRS990/PYTotalExpensesAmt08415428
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08825010
IRS990/ReconcilationRevenueExpnssAmt0158769
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt05853059
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt022027753
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt022268775
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07352856
IRS990/SavingsAndTempCashInvstGrp/EOYAmt030303250
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0539123
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03534174
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04073297
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0758618
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01802295
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02560913
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt07776278
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0659117
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0659117
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0356875
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0316942
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0673817
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt062483
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt062483
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0206761809
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt125439603
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Share Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Nonmember Share Deposits
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt043140373
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Certificates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt07935047
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02376216
IRS990ScheduleD/TotalBookValueSecuritiesAmt043140373
IRS990ScheduleD/TotalExpensesPerForm990Amt07776278
IRS990ScheduleD/TotalLiabilityAmt0232201412
IRS990ScheduleD/TotalRevenuePerForm990Amt07935047
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt07935047
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt07776278
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Depositors in the credit union are considered members with full membership rights.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1All members have the right to vote for the Board of Directors. All members have the saem voting rights.

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$262,017,258
Liabilities
$239,748,483
Net assets
$22,268,775
Revenue
$7,935,047
Expenses
$7,776,278
Net income
$158,769
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$276$266$9.14$13.3$13.6$0.32
2023Detailed filing. Detailed filing data is available for this year.$287$278$8.19$13.8$14.1$0.28
2022Detailed filing. Detailed filing data is available for this year.$295$288$7.84$9.44$9.23$0.21
2021Detailed filing. Detailed filing data is available for this year.$262$241$20.6$8.12$7.30$0.82
2020Detailed filing. Detailed filing data is available for this year.$262$240$22.3$7.94$7.78$0.16
2019Detailed filing. Detailed filing data is available for this year.$249$227$22.0$8.83$8.42$0.41
2018Detailed filing. Detailed filing data is available for this year.$204$183$20.8$6.76$6.05$0.71
2017Detailed filing. Detailed filing data is available for this year.$173$153$20.0$6.12$5.59$0.53
2016Detailed filing. Detailed filing data is available for this year.$169$149$19.5$6.04$5.16$0.87
2015Detailed filing. Detailed filing data is available for this year.$167$149$18.7$5.40$6.10$0.70
2014Detailed filing. Detailed filing data is available for this year.$162$144$18.4$4.89$4.87$0.02
2013Detailed filing. Detailed filing data is available for this year.$163$144$18.8$4.88$5.11$0.23
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$151$132$18.3$5.79
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$145$126$18.8$6.37
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$142$123$18.9$6.74