Civic Intelligence

Glenview Credit Union

990 • Fiscal year 2015 • EIN 36-2440942

Jan 01, 2015 to Dec 31, 2015 • Filed on Mar 21, 2016

Organization Profilewww.glenviewcu.org
1631 Waukegan RdGlenview, IL 60025

(847) 724-6306

Siviq Scores

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

Liabilities / Assets

97th percentile

0.93x

Higher debt load relative to assets than 97% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

67th percentile

23.54x

Higher debt load relative to revenue than 67% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

50th percentile

6.6%

Higher net margin than 50% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

97th percentile

$141,053

Higher top officer pay than 97% of similar nonprofits.

Top officer pay equals 24.8% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

57th percentile

3.9%

Faster asset growth than 57% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

40th percentile

-1.1%

Faster revenue growth than 40% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets97th percentile

Assets

Up

$14,400,464

Up $538,670 (+3.9%) from 2014

Net Assets

Up

$987,118

Up $37,653 (+4.0%) from 2014

Liabilities

Up

$13,413,346

Up $501,017 (+3.9%) from 2014

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin50th percentile

Revenue

Down

$569,757

Down $6,262 (-1.1%) from 2014

Expenses

Down

$532,104

Down $24,782 (-4.5%) from 2014

Net Income

Up

$37,653

Up $18,520 (+97%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth57th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $13,129,133Liabilities 2010: $12,278,097Net Assets 2010: $851,0362010Assets 2011: $13,817,425Liabilities 2011: $12,927,057Net Assets 2011: $890,3682011Assets 2012: $14,036,530Liabilities 2012: $13,116,555Net Assets 2012: $919,9752012Assets 2013: $13,903,217Liabilities 2013: $12,972,886Net Assets 2013: $930,3312013Assets 2014: $13,861,794Liabilities 2014: $12,912,329Net Assets 2014: $949,4652014Assets 2015: $14,400,464Liabilities 2015: $13,413,346Net Assets 2015: $987,1182015Assets 2016: $14,469,496Liabilities 2016: $13,430,462Net Assets 2016: $1,039,0342016Assets 2017: $15,173,961Liabilities 2017: $14,087,301Net Assets 2017: $1,086,6602017Assets 2018: $15,381,685Liabilities 2018: $14,224,823Net Assets 2018: $1,156,8622018Assets 2019: $15,949,176Liabilities 2019: $14,765,342Net Assets 2019: $1,183,8342019Assets 2020: $0Liabilities 2020: $0Net Assets 2020: $02020

Highlighted filing

2015

Assets$14,400,464
Liabilities$13,413,346
Net Assets$987,118
Open 2015 Filing

Operations Trend

Revenue Growth40th percentile

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $701,2642010Expenses 2011: $597,2432011Expenses 2012: $555,6602012Revenue 2013: $551,637Expenses 2013: $541,281Net Income 2013: $10,3562013Revenue 2014: $576,019Expenses 2014: $556,886Net Income 2014: $19,1332014Revenue 2015: $569,757Expenses 2015: $532,104Net Income 2015: $37,6532015Revenue 2016: $585,061Expenses 2016: $533,145Net Income 2016: $51,9162016Revenue 2017: $595,147Expenses 2017: $547,520Net Income 2017: $47,6272017Revenue 2018: $627,420Expenses 2018: $557,218Net Income 2018: $70,2022018Revenue 2019: $640,919Expenses 2019: $613,947Net Income 2019: $26,9722019Revenue 2020: $355,294Expenses 2020: $364,283Net Income 2020: -$8,9892020

Highlighted filing

2015

Revenue$569,757
Expenses$532,104
Net Income$37,653
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Mar 21, 2016
Return Version
2015v2.1
Gross Receipts
$569,757
Mission and Program Overview

Mission

CREDIT UNION

Credit union we are a financial cooperative; owned by its depositors-the members, and run by a volunteer board of directors, elected by the membership. This unique concept means that we exist to serve our members and to be sure to offer them a better deal, every day.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$9,855,273$10,428,334▲ $573,061
Other Notes and Loans Receivable, Net$3,689,998$3,498,157▼ $191,841
Rtn Earn Endowment Incm Other Fnds$949,465$987,118▲ $37,653
Receivables From Officers Etc$50,464$155,841▲ $105,377
Land, Buildings, and Equipment, Net$12,277$61,331▲ $49,054
Cash and Non-Interest-Bearing Accounts$37,703$43,631▲ $5,928
Accounts Receivable$27,885$35,892▲ $8,007
Investments Program Related$22,128$22,128→ $0
Prepaid Expenses and Deferred Charges$19,001$16,878▼ $2,123
Total Assets$13,861,794$14,400,464▲ $538,670
Other Assets Total$147,065$138,272▼ $8,793
Liabilities
Other Liabilities$12,895,429$13,387,153▲ $491,724
Accounts Payable and Accrued Expenses$16,900$26,193▲ $9,293
Total Liabilities$12,912,329$13,413,346▲ $501,017
Net Assets / Fund Balance
Total Net Assets Fund Balance$949,465$987,118▲ $37,653
Total Liabilities and Net Assets / Fund Balance$13,861,794$14,400,464▲ $538,670

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$61,331$13,296$74,627
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dan StojanovicDirector/president/treasurerFT$119,250$21,803$141,053

Board Members and Trustees

NameTitle
Donald HohsChairperson
Michael VilchesVice Chairperson
Gary EdmondsDirector
John TrueDirector
Larry PinkertonDirector
Patricia BialekSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$241,585
Investment Income
$145,954
Other Revenue
$182,218
Change in Net Assets
$37,653
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$283,166
Other Expenses$248,938
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$141,053$0$0$141,053
Other Salaries and Wages$113,741$0$0$113,741
Occupancy$59,863$0$0$59,863
Other Expenses$57,759$0$0$57,759
All Other Expenses$54,362$0$0$54,362
Office Expenses$19,227$0$0$19,227
Payroll Taxes$18,807$0$0$18,807
Interest$10,032$0$0$10,032
Other Employee Benefits$9,565$0$0$9,565
Insurance$8,359$0$0$8,359
Depreciation Depletion$8,296$0$0$8,296
Fees for Services Accounting$7,110$0$0$7,110
Advertising$2,803$0$0$2,803
Fees for Services Legal$1,639$0$0$1,639
Fees for Service Investment Mgmnt Fees$1,028$0$0$1,028
Total Functional Expenses$532,104$0$0$532,104
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$50,464$155,841▲ $105,377
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Savings$4,556,857
Money Market$3,601,159
Checking$2,399,386
Regular Certificates$1,838,603
Business Checking$518,020
Regular Ira Certificates$389,007
Roth Ira Certificates$84,121
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 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
Filing and Contact Details

Filer

Filer Name
Glenview Credit Union
EIN
36-2440942
Phone
8477246306
Address
1631 WAUKEGAN RD, GLENVIEW, IL 60025

Signing Officer

Name
Dan Stojanovic
Title
President
Phone
8477246306
Signed
2016-03-21
Discuss with paid preparer
Yes

Organization Details

Formed
1941
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
6
Employees
6
Volunteers
6

Preparer

Firm
Homer Wilson & Co Ltd
Address
900 RIDGE ROAD SUITE S, MUNSTER, IN 46321-1727
Preparer
Ray Suoranta
Phone
2198364930
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“Members of the credit union are considered shareholders”

Pt VI, Line 7A

“Members elect the board of directors at the annual meeting”

Pt VI, Line 11B

“The president reviews prior to filing”

Pt VI, Line 12C

“The board signs a conflict of interest, confidentiality, and code of ethics statement annually”

Pt VI, Line 15A

“The board creates an evaluation committee to review and approve salaries for all employees, including the president”

Pt VI, Line 15B

“The board creates an evaluation committee to review and approve salaries for all employees, including the president”

Pt VI, Line 19

“Documents are available upon request”

Form 990, Part IX, Line 24F

“Atm/bank/courier charges 10640. 10640. 0. 0. Cash over/short 154. 154. 0. 0. Investment accrual div shortage 0. 0. 0. 0. Misc expense 2890. 2890. 0. 0. Misc gain/loss 1418. 1418. 0. 0. Repairs & maint 31465. 31465. 0. 0. Supervision exam fee 6160. 6160. 0. 0. Education/conference 100. 100. 0. 0. Visa rewards expense 1535. 1535. 0. 0.”

Raw XML AppendixShowing 400 of 444 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt016900
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt026193
IRS990/AccountsReceivableGrp/BOYAmt027885
IRS990/AccountsReceivableGrp/EOYAmt035892
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREDIT UNION WE ARE A FINANCIAL COOPERATIVE; OWNED BY ITS DEPOSITORS-THE MEMBERS, AND RUN BY A VOLUNTEER BOARD OF DIRECTORS, ELECTED BY THE MEMBERSHIP. THIS UNIQUE CONCEPT MEANS THAT WE EXIST TO SERVE OUR MEMBERS AND TO BE SURE TO OFFER THEM A BETTER DEAL, EVERY DAY.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt02803
IRS990/AdvertisingGrp/TotalAmt02803
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt054362
IRS990/AllOtherExpensesGrp/TotalAmt054362
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0DAN STOJANOVIC
IRS990/BooksInCareOfDetail/PhoneNum08477241800
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01631 WAUKEGAN RD
IRS990/BooksInCareOfDetail/USAddress/CityNm0GLENVIEW
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd060025
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt037703
IRS990/CashNonInterestBearingGrp/EOYAmt043631
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0141053
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0141053
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0145954
IRS990/CYOtherExpensesAmt0248938
IRS990/CYOtherRevenueAmt0182218
IRS990/CYProgramServiceRevenueAmt0241585
IRS990/CYRevenuesLessExpensesAmt037653
IRS990/CYSalariesCompEmpBnftPaidAmt0283166
IRS990/CYTotalExpensesAmt0532104
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0569757
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt08296
IRS990/DepreciationDepletionGrp/TotalAmt08296
IRS990/Desc0PROVIDED LOANS TO MEMBERS. ACCEPTED DEPOSITS AND PROVIDED LOW COST FINANCIAL SERVICES TO MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt06
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt07110
IRS990/FeesForServicesAccountingGrp/TotalAmt07110
IRS990/FeesForServicesLegalGrp/FundraisingAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt01639
IRS990/FeesForServicesLegalGrp/TotalAmt01639
IRS990/FeesForSrvcInvstMgmntFeesGrp/FundraisingAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt01028
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt01028
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt421803
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0PATRICIA BIALEK
IRS990/Form990PartVIISectionAGrp/PersonNm1DONALD HOHS
IRS990/Form990PartVIISectionAGrp/PersonNm2GARY EDMONDS
IRS990/Form990PartVIISectionAGrp/PersonNm3LARRY PINKERTON
IRS990/Form990PartVIISectionAGrp/PersonNm4DAN STOJANOVIC
IRS990/Form990PartVIISectionAGrp/PersonNm5MICHAEL VILCHES
IRS990/Form990PartVIISectionAGrp/PersonNm6JOHN TRUE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4119250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR/PRESIDENT/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01941
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0569757
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt08359
IRS990/InsuranceGrp/TotalAmt08359
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt010032
IRS990/InterestGrp/TotalAmt010032
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0145954
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt022128
IRS990/InvestmentsProgramRelatedGrp/EOYAmt022128
IRS990/IRPDocumentCnt0175
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt013296
IRS990/LandBldgEquipBasisNetGrp/BOYAmt012277
IRS990/LandBldgEquipBasisNetGrp/EOYAmt061331
IRS990/LandBldgEquipCostOrOtherBssAmt074627
IRS990/LegalDomicileStateCd0IL
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0949465
IRS990/NetAssetsOrFundBalancesEOYAmt0987118
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt059863
IRS990/OccupancyGrp/TotalAmt059863
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt019227
IRS990/OfficeExpensesGrp/TotalAmt019227
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0147065
IRS990/OtherAssetsTotalGrp/EOYAmt0138272
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt09565
IRS990/OtherEmployeeBenefitsGrp/TotalAmt09565
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1PAYROLL/BENEFITS ADMIN
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3VISA BILLING/BILL PAYER
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt06959
IRS990/OtherExpensesGrp/ProgramServicesAmt14119
IRS990/OtherExpensesGrp/ProgramServicesAmt27382
IRS990/OtherExpensesGrp/ProgramServicesAmt357759
IRS990/OtherExpensesGrp/TotalAmt06959
IRS990/OtherExpensesGrp/TotalAmt14119
IRS990/OtherExpensesGrp/TotalAmt27382
IRS990/OtherExpensesGrp/TotalAmt357759
IRS990/OtherLiabilitiesGrp/BOYAmt012895429
IRS990/OtherLiabilitiesGrp/EOYAmt013387153
IRS990/OtherRevenueMiscGrp/BusinessCd0522190
IRS990/OtherRevenueMiscGrp/BusinessCd1522190
IRS990/OtherRevenueMiscGrp/Desc0FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc1OTHER MISC INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0117276
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt164942
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0117276
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt164942
IRS990/OtherRevenueTotalAmt0182218
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0113741
IRS990/OtherSalariesAndWagesGrp/TotalAmt0113741
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt03689998
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt03498157
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt018807
IRS990/PayrollTaxesGrp/TotalAmt018807
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt019001
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt016878
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0DAN STOJANOVIC
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522190
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0241585
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDED LOW RATE AND NO FEE VISA CARDS TO MEMBERS. PROVIDED NO COST VISA DEBIT CARDS TO MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVIDED FREE INTERNET ACCOUNT ACCESS TO MEMBERS AND FREE BILL PAYMENT SERVICES TO ACTIVE MEMBERS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0125115
IRS990/PYOtherExpensesAmt0269845
IRS990/PYOtherRevenueAmt0204888
IRS990/PYProgramServiceRevenueAmt0246016
IRS990/PYRevenuesLessExpensesAmt019133
IRS990/PYSalariesCompEmpBnftPaidAmt0287041
IRS990/PYTotalExpensesAmt0556886
IRS990/PYTotalRevenueAmt0576019
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt050464
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0155841
IRS990/ReconcilationRevenueExpnssAmt037653
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0949465
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0987118
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09855273
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010428334
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt061331
IRS990ScheduleD/EquipmentGrp/DepreciationAmt013296
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt074627
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04556857
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt13601159
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22399386
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3518020
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41838603
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5389007
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt684121
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CHECKING
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3BUSINESS CHECKING
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4REGULAR CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5REGULAR IRA CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6ROTH IRA CERTIFICATES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt061331
IRS990ScheduleD/TotalLiabilityAmt013387153
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt02357
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt121414
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt25
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3131500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4565
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt06500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt130600
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt25000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt3180000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt41000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0D STOJANOVIC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1D STOJANOVIC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2M VILCHES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3D HOHS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4JTRUE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRES/DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1PRES/DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/TotalBalanceDueAmt0155841
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS OF THE CREDIT UNION ARE CONSIDERED SHAREHOLDERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE PRESIDENT REVIEWS PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD SIGNS A CONFLICT OF INTEREST, CONFIDENTIALITY, AND CODE OF ETHICS STATEMENT ANNUALLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD CREATES AN EVALUATION COMMITTEE TO REVIEW AND APPROVE SALARIES FOR ALL EMPLOYEES, INCLUDING THE PRESIDENT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD CREATES AN EVALUATION COMMITTEE TO REVIEW AND APPROVE SALARIES FOR ALL EMPLOYEES, INCLUDING THE PRESIDENT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DOCUMENTS ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ATM/BANK/COURIER CHARGES 10640. 10640. 0. 0. CASH OVER/SHORT 154. 154. 0. 0. INVESTMENT ACCRUAL DIV SHORTAGE 0. 0. 0. 0. MISC EXPENSE 2890. 2890. 0. 0. MISC GAIN/LOSS 1418. 1418. 0. 0. REPAIRS & MAINT 31465. 31465. 0. 0. SUPERVISION EXAM FEE 6160. 6160. 0. 0. EDUCATION/CONFERENCE 100. 100. 0. 0. VISA REWARDS EXPENSE 1535. 1535. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt013861794
IRS990/TotalAssetsEOYAmt014400464
IRS990/TotalAssetsGrp/BOYAmt013861794
IRS990/TotalAssetsGrp/EOYAmt014400464
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0532104
IRS990/TotalFunctionalExpensesGrp/TotalAmt0532104
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt012912329
IRS990/TotalLiabilitiesEOYAmt013413346
IRS990/TotalLiabilitiesGrp/BOYAmt012912329
IRS990/TotalLiabilitiesGrp/EOYAmt013413346
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0949465
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0987118
IRS990/TotalOtherCompensationAmt021803
IRS990/TotalProgramServiceRevenueAmt0241585
IRS990/TotalReportableCompFromOrgAmt0119250

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.

Open filing
Assets
$14,400,464
Liabilities
$13,413,346
Net assets
$987,118
Revenue
$569,757
Expenses
$532,104
Net income
$37,653
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.36$0.36$0.01
2019Detailed filing. Detailed filing data is available for this year.$15.9$14.8$1.18$0.64$0.61$0.03
2018Detailed filing. Detailed filing data is available for this year.$15.4$14.2$1.16$0.63$0.56$0.07
2017Detailed filing. Detailed filing data is available for this year.$15.2$14.1$1.09$0.60$0.55$0.05
2016Detailed filing. Detailed filing data is available for this year.$14.5$13.4$1.04$0.59$0.53$0.05
2015Detailed filing. Detailed filing data is available for this year.$14.4$13.4$0.99$0.57$0.53$0.04
2014Detailed filing. Detailed filing data is available for this year.$13.9$12.9$0.95$0.58$0.56$0.02
2013Detailed filing. Detailed filing data is available for this year.$13.9$13.0$0.93$0.55$0.54$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.0$13.1$0.92$0.56
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.8$12.9$0.89$0.60
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.1$12.3$0.85$0.70