Liabilities / Assets
33rd percentile
Higher debt load relative to assets than 33% of similar nonprofits.
Generations Credit Union
990 • Fiscal year 2015 • EIN 36-2334218
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.84x
Liabilities / Revenue
56th percentile
Higher debt load relative to revenue than 56% of similar nonprofits.
Net Margin
16th percentile
Higher net margin than 16% of similar nonprofits.
Top Officer Pay
58th percentile
Higher top officer pay than 58% of similar nonprofits.
Top officer pay equals 11.0% of source-year revenue.
Asset Growth
91st percentile
Faster asset growth than 91% of similar nonprofits.
Revenue Growth
57th percentile
Faster revenue growth than 57% of similar nonprofits.
Balance Sheet
Assets
Up$17,992,128
Up $1,680,967 (+10%) from 2014
Net Assets
Down$2,955,662
Down $25,104 (-0.8%) from 2014
Liabilities
Up$15,036,466
Up $1,706,071 (+13%) from 2014
Revenue And Expenses
Revenue
Up$698,545
Up $11,187 (+1.6%) from 2014
Expenses
Up$720,980
Up $46,963 (+7.0%) from 2014
Net Income
Down-$22,435
Down $35,776 (-268%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- May 12, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $698,545
Mission and Program Overview
Mission
To assist our members in the management of their financial well-being by providing quality low cost loans, a variety of savings accounts and other financial institution services in a friendly and professsional manner.
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 and professional manner.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $8,544,006 | $8,754,140 | ▲ $210,134 |
| Investments Other Securities | $5,727,000 | $7,102,000 | ▲ $1,375,000 |
| Rtn Earn Endowment Incm Other Fnds | $2,980,766 | $2,955,662 | ▼ $25,104 |
| Land, Buildings, and Equipment, Net | $1,042,938 | $1,018,517 | ▼ $24,421 |
| Savings and Temporary Cash Investments | $410,287 | $536,613 | ▲ $126,326 |
| Cash and Non-Interest-Bearing Accounts | $262,329 | $248,300 | ▼ $14,029 |
| Prepaid Expenses and Deferred Charges | $47,669 | $76,317 | ▲ $28,648 |
| Investments in Publicly Traded Securities | $93,833 | $61,916 | ▼ $31,917 |
| Accounts Receivable | $30,233 | $40,445 | ▲ $10,212 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $16,311,161 | $17,992,128 | ▲ $1,680,967 |
| Other Assets Total | $152,866 | $153,880 | ▲ $1,014 |
| Liabilities | |||
| Other Liabilities | $13,230,704 | $14,934,579 | ▲ $1,703,875 |
| Accounts Payable and Accrued Expenses | $99,691 | $101,887 | ▲ $2,196 |
| Total Liabilities | $13,330,395 | $15,036,466 | ▲ $1,706,071 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,980,766 | $2,955,662 | ▼ $25,104 |
| Total Liabilities and Net Assets / Fund Balance | $16,311,161 | $17,992,128 | ▲ $1,680,967 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $593,438 | $183,021 | $776,459 |
| Land | $361,945 | - | $361,945 |
| Equipment | $39,433 | $245,496 | $284,929 |
| Other Land Buildings | $23,701 | $27,233 | $50,934 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Securities | $7,102,000 | - | - |
| Closely Held Equity Interests | $0 | - | - |
| Financial Derivatives | $0 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Karen Jurasek | President - Treasurer | FT | $76,226 | $434 | $76,660 |
Board Members and Trustees
| Name | Title |
|---|---|
| Dale Hillers | Chairman of the Board |
| Robert Boyd | Board Vice Chairman |
| Arron Koch | Board Member |
| Don Fiedler | Board Member |
| Gary Askegaard | Board Member |
| Joanne Freda Peterson | Board Member |
| Jolene Unangst | Board Member |
| Peter Giacommazzo | Board Member |
| Randall Freding | Board Member |
| Wayne Ax | Board Member |
| Cora Budden | Secretary of Board |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $86
- Program Service Revenue
- $503,996
- Investment Income
- $90,064
- Other Revenue
- $104,399
- All Other Contributions
- $0
- Change in Net Assets
- $-22,435
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $392,918 |
| Salaries, Compensation, and Employee Benefits | $328,062 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $221,561 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $76,660 |
| Occupancy | - | - | - | $54,414 |
| Office Expenses | - | - | - | $45,795 |
| Depreciation Depletion | - | - | - | $44,348 |
| Other Expenses | - | - | - | $26,902 |
| Information Technology | - | - | - | $25,125 |
| Payroll Taxes | - | - | - | $25,031 |
| Fees for Services Accounting | - | - | - | $20,216 |
| Insurance | - | - | - | $17,602 |
| Advertising | - | - | - | $15,921 |
| Payments to Affiliates | - | - | - | $10,498 |
| Fees for Services Legal | - | - | - | $6,663 |
| Conferences and Meetings | - | - | - | $3,958 |
| Other Employee Benefits | - | - | - | $3,037 |
| Pension Plan Contributions | - | - | - | $1,773 |
| Interest | - | - | - | $353 |
| Total Functional Expenses | $0 | $0 | $0 | $720,980 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Share of Members | $6,944,650 |
| OTHER CLASSES OF SHARES CD'S | $3,688,495 |
| COMMON SHARES IRS'A | $1,879,848 |
| Share Drafts | $1,727,001 |
| Club Shares | $694,585 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- Yes
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- Backup withholding compliance
- Yes
- Business relationship with family members
- No
- Business relationship with organization members
- No
- Material changes to governing documents
- No
- Compensation from other sources disclosed
- No
- CEO compensation reviewed
- Yes
- Other officer compensation reviewed
- No
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“The credit union requires those who have account for loans to be members.”
Form 990, Part VI, Section A, Line 7A
“Members vote on individuals who serve on the "Board of Directors" at the annual meeting held each year.”
Form 990, Part VI, Section A, Line 7B
“Members must approve changes in by-laws or merges.”
Form 990, Part VI, Section B, Line 11B
“The 990 return is prepared by the credit union's accountant. It is than reviewed and approved by the credit union's president for accuracy and completeness prior to submission to the IRS. There is no review by the Board of Directors prior to submission.”
Form 990, Part VI, Section B, Line 12C
“A conflict of interest occurs when a person is in a position to influence the credit union's transactions that may result in a personal gain to himself or a "relative". For this purpose a "relative" is any person who is related to a person by blood or marriage or with whom a person is cohabiting. It is important that the person disclose to the President/CEO as soon as possible the existence of an actual or potential conflict of interest so that a determination can be made as to whether safeguards can be established to protect all parties. Conflicts by employees are reviewed by the CEO. The chairman of the Board would review any conflicts of interest related to the CEO. Conflicts of interest for members of the board would be reviewed by the Chairman of the Board and the Supervisory Committee. if there is a conflict of interest with any of the above, the individual would be prohibited from participation in the governing body's deliberation and decisions in transactions.”
Form 990, Part VI, Section B, Line 15
“The position of "President" for the credit union is reviewed and approved by the "Chairman of the Board" and the "Budget-Operations Committee" concerning the pay level and pay raises for the credit union's president. This was last done in 2015”
Form 990, Part VI, Section C, Line 19
“The credit union posts on it office bulletin board the "Conflict of Interest" policy and a link to its website of the "financial statements" for public viewing. Other "governing documents" are not made available to the public”
Filing and Contact Details
Filer
- Filer Name
- Generations Credit Union
- EIN
- 36-2334218
- Phone
- 8153162900
- Address
- 5618 Harrison Ave, Rockford, IL 61108-8110
Signing Officer
- Name
- Karen Jurasek
- Title
- President
- Phone
- 8153162900
- Signed
- 2016-05-12
Organization Details
- Principal Officer
- Karen Juraselk
- Formed
- 1944
- Legal Domicile
- Il
- Voting Board Members
- 12
- Independent Board Members
- 11
- Employees
- 10
- Volunteers
- 0
Raw XML AppendixShowing 400 of 454 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/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 101887 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 30233 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 40445 |
| 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 and professional manner. |
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| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 8153162900 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 5618 Harrison Ave |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Rockford |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 611088110 |
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| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 248300 |
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| IRS990/CYRevenuesLessExpensesAmt | 0 | -22435 |
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| IRS990/CYTotalExpensesAmt | 0 | 720980 |
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| IRS990/CYTotalRevenueAmt | 0 | 698545 |
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| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 44348 |
| IRS990/Desc | 0 | Provide a Christmas Savings plan, Fortune Plan, Vacation Plan to 431 members, Provided checking accounts to 699 members, and 247 members had IRA's and/or CD's. Also, provided 2,145 Share Savings Accounts to our members |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
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| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 10 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/ExpenseAmt | 0 | 0 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
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| IRS990/FederatedCampaignsAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 20216 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 6663 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.05 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40 |
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| 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 |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Arron Koch |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Board Member |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Secretary of Board |
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| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1944 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
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| IRS990/FSAuditedInd | 0 | 1 |
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| IRS990/FundraisingAmt | 0 | 0 |
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| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
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| IRS990/GoverningBodyVotingMembersCnt | 0 | 12 |
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| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 7102000 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 93833 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 61916 |
| IRS990/IRPDocumentCnt | 0 | 416 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
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| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1042938 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1018517 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1474267 |
| IRS990/LegalDomicileStateCd | 0 | IL |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembershipDuesAmt | 0 | 86 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MiscellaneousRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/MissionDesc | 0 | To assist our members in the management of their financial well-being by providing quality low cost loans, a variety of savings accounts and other financial institution services in a friendly and professsional manner. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 2980766 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 2955662 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -2669 |
| IRS990/NoncashContributionsAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 54414 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 45795 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 152866 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 153880 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 3037 |
| IRS990/OtherExpensesGrp/Desc | 0 | DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSSES |
| IRS990/OtherExpensesGrp/Desc | 2 | SHARE DRAFT, ATM EXP, CARD SERVICES |
| IRS990/OtherExpensesGrp/Desc | 3 | ON LINE BRANCH, FRAUD, TRAINING, OTHER EXP |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 59045 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 35736 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 26342 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 26902 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 13230704 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 14934579 |
| IRS990/OtherOrganizationDsc | 0 | Cooperative |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 524298 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | GROUP INSURANCE |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | FEES AND OTHER INCOME |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 1 | 0 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 10927 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 93472 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 10927 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 93472 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 104399 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 221561 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 8544006 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 8754140 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 10498 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 25031 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 1773 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 47669 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 76317 |
| IRS990/PrincipalOfficerNm | 0 | Karen Juraselk |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | loan interest income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 503996 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 503996 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Returned 8.5% of gross income to members as a dividend to their savings. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Provided Consumer, Home Equity, New and Used Vehicle Loans to members. In 2015 there was 646 loans granted to members and provided 311 members with Visa Cards. |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | 197 new members joined in 2015, while 226 current members left the credit union giving a new membership amount of 2,011 members at the end of the year. (0 0) |
| 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 | 94 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 63628 |
| IRS990/PYOtherExpensesAmt | 0 | 357111 |
| IRS990/PYOtherRevenueAmt | 0 | 84696 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 538940 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 13341 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 316906 |
| IRS990/PYTotalExpensesAmt | 0 | 674017 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 687358 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -22435 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RelatedOrganizationsAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| 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 | 2980766 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2955662 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 410287 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 536613 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 593438 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 183021 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 776459 |
| IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 39433 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 245496 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 284929 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 0 |
| IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 361945 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 361945 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 23701 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 27233 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 50934 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 6944650 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 1727001 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 3688495 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 1879848 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 694585 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARE OF MEMBERS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | SHARE DRAFTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | OTHER CLASSES OF SHARES CD'S |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | COMMON SHARES IRS'A |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | CLUB SHARES |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 7102000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | CD'S |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1018517 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 7102000 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 14934579 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The credit union requires those who have account for loans to be members. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Members vote on individuals who serve on the "Board of Directors" at the annual meeting held each year. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Members must approve changes in by-laws or merges. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The 990 return is prepared by the credit union's accountant. It is than reviewed and approved by the credit union's president for accuracy and completeness prior to submission to the IRS. There is no review by the Board of Directors prior to submission. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | A conflict of interest occurs when a person is in a position to influence the credit union's transactions that may result in a personal gain to himself or a "relative". For this purpose a "relative" is any person who is related to a person by blood or marriage or with whom a person is cohabiting. It is important that the person disclose to the President/CEO as soon as possible the existence of an actual or potential conflict of interest so that a determination can be made as to whether safeguards can be established to protect all parties. Conflicts by employees are reviewed by the CEO. The chairman of the Board would review any conflicts of interest related to the CEO. Conflicts of interest for members of the board would be reviewed by the Chairman of the Board and the Supervisory Committee. if there is a conflict of interest with any of the above, the individual would be prohibited from participation in the governing body's deliberation and decisions in transactions. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | The position of "President" for the credit union is reviewed and approved by the "Chairman of the Board" and the "Budget-Operations Committee" concerning the pay level and pay raises for the credit union's president. This was last done in 2015 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | The credit union posts on it office bulletin board the "Conflict of Interest" policy and a link to its website of the "financial statements" for public viewing. Other "governing documents" are not made available to the public |
| 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 19 |
| 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 | 16311161 |
| IRS990/TotalAssetsEOYAmt | 0 | 17992128 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 16311161 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 17992128 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 86 |
| IRS990/TotalEmployeeCnt | 0 | 10 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 720980 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $17,992,128
- Liabilities
- $15,036,466
- Net assets
- $2,955,662
- Revenue
- $698,545
- Expenses
- $720,980
- Net income
- -$22,435