Civic Intelligence

Aurora Firefighters Credit Union

EIN 36-2491990 • 501(c)14 • Aurora, IL

Profile

Credit union operated without profit for mutual purposes

88 N LA Salle StAurora, IL 60505-3333

n/A

Siviq Scores

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

Liabilities / Assets

67th percentile

0.86x

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

501(c)14 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

64th percentile

15.60x

Higher debt load relative to revenue than 64% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Net Margin

95th percentile

32%

Higher net margin than 95% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

86th percentile

3.3%

Faster asset growth than 86% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2024

Revenue Growth

91st percentile

30%

Faster revenue growth than 91% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets67th percentile

Assets

Up

$2,609,685

Up $87,714 (+3.5%) from 2023

Liabilities

Up

$2,235,192

Up $42,228 (+1.9%) from 2023

Net Assets

Up

$374,493

Up $45,486 (+14%) from 2023

Operations
Liabilities / Revenue64th percentileNet Margin95th percentile

Revenue

Up

$143,304

Up $13,521 (+10%) from 2023

Expenses

Up

$97,818

Up $12,174 (+14%) from 2023

Net Income

Up

$45,486

Up $1,347 (+3.1%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth86th percentile

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

$3.0M$2.0M$1.0M$0Assets 2013: $1,929,469Liabilities 2013: $1,726,970Net Assets 2013: $202,4992013Assets 2014: $1,892,357Liabilities 2014: $1,686,603Net Assets 2014: $205,7542014Assets 2015: $1,895,958Liabilities 2015: $1,684,379Net Assets 2015: $211,5792015Assets 2016: $1,948,220Liabilities 2016: $1,742,267Net Assets 2016: $205,9532016Assets 2017: $1,891,954Liabilities 2017: $1,676,081Net Assets 2017: $215,8732017Assets 2018: $2,046,820Liabilities 2018: $1,815,376Net Assets 2018: $231,4442018Assets 2019: $2,092,991Liabilities 2019: $1,839,906Net Assets 2019: $253,0852019Assets 2020: $2,215,152Liabilities 2020: $1,955,063Net Assets 2020: $260,0892020Assets 2021: $2,444,495Liabilities 2021: $2,166,707Net Assets 2021: $277,7882021Assets 2022: $2,443,288Liabilities 2022: $2,158,420Net Assets 2022: $284,8682022Assets 2023: $2,521,971Liabilities 2023: $2,192,964Net Assets 2023: $329,0072023Assets 2024: $2,609,685Liabilities 2024: $2,235,192Net Assets 2024: $374,4932024

Highlighted filing

2024

Assets$2,609,685
Liabilities$2,235,192
Net Assets$374,493
Open 2024 Filing

Operations Trend

Revenue Growth91st percentile

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

$150K$100K$50K$0-$50KRevenue 2013: $61,987Expenses 2013: $62,506Net Income 2013: -$5192013Revenue 2014: $63,652Expenses 2014: $60,397Net Income 2014: $3,2552014Revenue 2015: $67,730Expenses 2015: $63,406Net Income 2015: $4,3242015Revenue 2016: $65,002Expenses 2016: $70,628Net Income 2016: -$5,6262016Revenue 2017: $72,054Expenses 2017: $62,134Net Income 2017: $9,9202017Revenue 2018: $78,342Expenses 2018: $62,771Net Income 2018: $15,5712018Revenue 2019: $96,250Expenses 2019: $74,609Net Income 2019: $21,6412019Revenue 2020: $91,074Expenses 2020: $84,070Net Income 2020: $7,0042020Revenue 2021: $97,048Expenses 2021: $79,349Net Income 2021: $17,6992021Revenue 2022: $84,821Expenses 2022: $77,741Net Income 2022: $7,0802022Revenue 2023: $129,783Expenses 2023: $85,644Net Income 2023: $44,1392023Revenue 2024: $143,304Expenses 2024: $97,818Net Income 2024: $45,4862024

Highlighted filing

2024

Revenue$143,304
Expenses$97,818
Net Income$45,486
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$2,609,685
Liabilities
$2,235,192
Net assets
$374,493
Revenue
$143,304
Expenses
$97,818
Net income
$45,486
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.61$2.24$0.37$0.14$0.10$0.05
2023Detailed filing. Detailed filing data is available for this year.$2.52$2.19$0.33$0.13$0.09$0.04
2022Detailed filing. Detailed filing data is available for this year.$2.44$2.16$0.28$0.08$0.08$0.01
2021Detailed filing. Detailed filing data is available for this year.$2.44$2.17$0.28$0.10$0.08$0.02
2020Detailed filing. Detailed filing data is available for this year.$2.22$1.96$0.26$0.09$0.08$0.01
2019Detailed filing. Detailed filing data is available for this year.$2.09$1.84$0.25$0.10$0.07$0.02
2018Detailed filing. Detailed filing data is available for this year.$2.05$1.82$0.23$0.08$0.06$0.02
2017Detailed filing. Detailed filing data is available for this year.$1.89$1.68$0.22$0.07$0.06$0.01
2016Detailed filing. Detailed filing data is available for this year.$1.95$1.74$0.21$0.07$0.07$0.01
2015Detailed filing. Detailed filing data is available for this year.$1.90$1.68$0.21$0.07$0.06$0.00
2014Detailed filing. Detailed filing data is available for this year.$1.89$1.69$0.21$0.06$0.06$0.00
2013Detailed filing. Detailed filing data is available for this year.$1.93$1.73$0.20$0.06$0.06$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.2
Gross Receipts
$143,304
Mission and Program Overview

Mission

Credit union operated without profit for mutual purposes

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,850,691$1,741,443▼ $109,248
Savings and Temporary Cash Investments$456,681$622,043▲ $165,362
Rtn Earn Endowment Incm Other Fnds$329,007$374,493▲ $45,486
Receivables From Officers Etc$91,009$87,984▼ $3,025
Cash and Non-Interest-Bearing Accounts$47,654$81,221▲ $33,567
Investments Other Securities$71,917$71,929▲ $12
Prepaid Expenses and Deferred Charges$1,208$1,315▲ $107
Land, Buildings, and Equipment, Net$311$0▼ $311
Total Assets$2,521,971$2,609,685▲ $87,714
Other Assets Total$2,500$3,750▲ $1,250
Liabilities
Other Liabilities$2,192,901$2,233,955▲ $41,054
Accounts Payable and Accrued Expenses$63$1,237▲ $1,174
Total Liabilities$2,192,964$2,235,192▲ $42,228
Net Assets / Fund Balance
Total Net Assets Fund Balance$329,007$374,493▲ $45,486
Total Liabilities and Net Assets / Fund Balance$2,521,971$2,609,685▲ $87,714

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$311-
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Conni FancsaliHead TellerPT$14,130$14,130
Denine ChambersChief Operations OfficerPT$13,708$13,708

Board Members and Trustees

NameTitle
Phillip BergeronChairman
Raymond GarnerVice-Chairman
Andrew PauleyDirector
David DacanayDirector
David RyghDirector
John BoniorDirector
Ricardo TorresDirector
Steven KoeberlDirector
Steven MalatiaDirector
Robert DunnSecretary
Cletus RettenmeierTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$120,065
Investment Income
$23,239
Other Revenue
$0
Change in Net Assets
$45,486
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$58,175
Salaries, Compensation, and Employee Benefits$39,643
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$0$0$0$27,838
All Other Expenses$0$0$0$27,107
Other Salaries and Wages$0$0$0$8,580
Office Expenses$0$0$0$6,631
Information Technology$0$0$0$3,937
Payroll Taxes$0$0$0$3,225
Other Expenses$0$0$0$2,800
Depreciation Depletion$0$0$0$311
Total Functional Expenses$0$0$0$97,818
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$91,009$87,984▼ $3,025
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$2,233,955
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Aurora Firefighters Credit Union
EIN
36-2491990
Phone
6308927220
Address
88 N LA SALLE ST, AURORA, IL 60505-3333

Signing Officer

Name
Denine M Chambers
Title
Chief Operations Officer
Phone
6308927220
Signed
2025-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cletus A Rettenmeier
Formed
1939
Legal Domicile
Il
Voting Board Members
11
Independent Board Members
11
Employees
3
Volunteers
20

Preparer

Firm
Jon N Will & Associates Inc
Address
1525 E 53rd St Suite 526, Chicago, IL 60615
Preparer
Jon N Will
Phone
7736438089
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“As a credit union all the members are shareholders.”

Pt VI, Line 7A

“As a credit union the members vote to elect the governing body.”

Pt VI, Line 11B

“Form 990 is reviewed by senior management before its submitted to the IRS. Further it will be submitted to the governing body at its next regular monthly meeting. Also this 990 form is very similar to NCUAs 5300 report which every credit union files quarterly and is reviewed quarterly by the governing body.”

Pt VI, Line 19

“All financial statements, governing documents, Board of Directors meeting minutes,etc. are available to the members in the credit unions office during normal business hours.”

Form 990, Part IX, Line 24E

“Bank Processing Fees 84.”

Form 990, Part IX, Line 24E

“Misc Exp 5621.”

Form 990, Part IX, Line 24E

“Association Dues 3732.”

Form 990, Part IX, Line 24E

“Professional Services 877.”

Form 990, Part IX, Line 24E

“ACH Fees 3940.”

Form 990, Part IX, Line 24E

“Corp CU Fees 1996.”

Form 990, Part IX, Line 24E

“Security Monitoring 947.”

Form 990, Part IX, Line 24E

“Loan Svc Cr Reports 1242.”

Form 990, Part IX, Line 24E

“Loan Loss Provision 0.”

Form 990, Part IX, Line 24E

“Cr Card Program Exp 8102.”

Form 990, Part IX, Line 24E

“Gift Card Expense 10.”

Form 990, Part IX, Line 24E

“Annual Mtg Exp 556.”

Raw XML AppendixShowing 400 of 480 raw XML fields

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

Path#Value
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IRS990/AllOtherExpensesGrp/TotalAmt027107
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0Denine M Chambers
IRS990/BooksInCareOfDetail/PhoneNum06308927220
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt088 N LaSalle St
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IRS990/BooksInCareOfDetail/USAddress/ZIPCd0605053333
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IRS990/DepreciationDepletionGrp/TotalAmt0311
IRS990/Desc0Granted 35 closed end loans to members for various provident purposes totalling $620,758. VISA credit card program totals 100 accounts with outstanding year end balance of $172,133.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt03
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1220.00
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IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/PersonNm0Phillip Bergeron
IRS990/Form990PartVIISectionAGrp/PersonNm1Raymond Garner
IRS990/Form990PartVIISectionAGrp/PersonNm2Robert Dunn
IRS990/Form990PartVIISectionAGrp/PersonNm3Cletus Rettenmeier
IRS990/Form990PartVIISectionAGrp/PersonNm4Steven Malatia
IRS990/Form990PartVIISectionAGrp/PersonNm5Andrew Pauley
IRS990/Form990PartVIISectionAGrp/PersonNm6Steven Koeberl
IRS990/Form990PartVIISectionAGrp/PersonNm7John Bonior
IRS990/Form990PartVIISectionAGrp/PersonNm8Ricardo Torres
IRS990/Form990PartVIISectionAGrp/PersonNm9David Rygh
IRS990/Form990PartVIISectionAGrp/PersonNm10David Dacanay
IRS990/Form990PartVIISectionAGrp/PersonNm11Denine Chambers
IRS990/Form990PartVIISectionAGrp/PersonNm12Conni Fancsali
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice-Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Chief Operations Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt12Head Teller
IRS990/Form990ProvidedToGvrnBodyInd0true
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IRS990/OfficeExpensesGrp/TotalAmt06631
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02500
IRS990/OtherAssetsTotalGrp/EOYAmt03750
IRS990/OtherExpensesGrp/Desc0Educational & Promotional
IRS990/OtherExpensesGrp/Desc1Dividends to Members
IRS990/OtherExpensesGrp/Desc2Equip Maint
IRS990/OtherExpensesGrp/Desc3Supervision Fee
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/ProgramServicesAmt00
IRS990/OtherExpensesGrp/ProgramServicesAmt10
IRS990/OtherExpensesGrp/ProgramServicesAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt30
IRS990/OtherExpensesGrp/TotalAmt0-492
IRS990/OtherExpensesGrp/TotalAmt15344
IRS990/OtherExpensesGrp/TotalAmt212537
IRS990/OtherExpensesGrp/TotalAmt32800
IRS990/OtherLiabilitiesGrp/BOYAmt02192901
IRS990/OtherLiabilitiesGrp/EOYAmt02233955
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt08580
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01850691
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01741443
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt03225
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01208
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01315
IRS990/PrincipalOfficerNm0Cletus A Rettenmeier
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Income from Loans
IRS990/ProgramServiceRevenueGrp/Desc1Misc Opr Fees
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0116625
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13345
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0Received savings deposits and certificate of deposit deposits from 459 members, a net decrease of 8 from 2023. At the same time total member deposits increased by $41,054 from 2023.
IRS990/ProgSrvcAccomActy3Grp/Desc0Delinquency rate on outstanding loans remained at 0.00% and the VISA delinquency is now zero as of 12/31/24. The credit union had loan losses from VISA cards totalling $2,645 in 2024, while it recovered $4,800 from previously charged off loans, a net increase to reserves of $2,155.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt033752
IRS990/PYOtherExpensesAmt048401
IRS990/PYProgramServiceRevenueAmt096031
IRS990/PYRevenuesLessExpensesAmt044139
IRS990/PYSalariesCompEmpBnftPaidAmt037243
IRS990/PYTotalExpensesAmt085644
IRS990/PYTotalRevenueAmt0129783
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt091009
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt087984
IRS990/ReconcilationRevenueExpnssAmt045486
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0329007
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0374493
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0456681
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0622043
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0311
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0311
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02233955
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalLiabilityAmt02233955
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt07357
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt113363
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt25991
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt35494
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt437276
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt514075
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt64428
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Credit Card
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Credit Card
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Vehicle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt08857
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt115000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt27500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt312000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt445000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt515000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt69000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0John Bonior
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Ricardo Torres
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2David Dacanay
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Philip Bergeron
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Ricardo Torres
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Steven Koberl
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6John Bonior
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Chairman
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/TotalBalanceDueAmt087984
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0As a credit union all the members are shareholders.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1As a credit union the members vote to elect the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 is reviewed by senior management before its submitted to the IRS. Further it will be submitted to the governing body at its next regular monthly meeting. Also this 990 form is very similar to NCUAs 5300 report which every credit union files quarterly and is reviewed quarterly by the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3All financial statements, governing documents, Board of Directors meeting minutes,etc. are available to the members in the credit unions office during normal business hours.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Bank Processing Fees 84.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Misc Exp 5621.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Association Dues 3732.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Professional Services 877.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ACH Fees 3940.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Corp CU Fees 1996.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Security Monitoring 947.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Loan Svc Cr Reports 1242.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Loan Loss Provision 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13Cr Card Program Exp 8102.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14Gift Card Expense 10.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15Annual Mtg Exp 556.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990, Part IX, Line 24e

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