Civic Intelligence

Vamco Credit Union

EIN 36-6046900 • 501(c)14

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Profile

CREDIT UNION

1001 E Touhy Avenue60018-2898

www.vamcocu.com

Siviq Scores

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

Liabilities / Assets

29th percentile

0.83x

Higher debt load relative to assets than 29% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

77th percentile

24.08x

Higher debt load relative to revenue than 77% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

6th percentile

-36%

Higher net margin than 6% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

54th percentile

0.3%

Faster asset growth than 54% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets29th percentile

Assets

Up

$13,952,147

Up $46,811 (+0.3%) from 2012

Liabilities

Up

$11,521,389

Up $218,025 (+1.9%) from 2012

Net Assets

Down

$2,430,758

Down $171,214 (-6.6%) from 2012

Operations
Liabilities / Revenue77th percentileNet Margin6th percentile

Revenue

$478,445

No earlier filing loaded for comparison.

Expenses

Down

$649,659

Down $15,944 (-2.4%) from 2012

Net Income

-$171,214

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth54th percentile

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

$15M$10M$5.0M$0Assets 2010: $14,283,905Liabilities 2010: $11,447,319Net Assets 2010: $2,836,5862010Assets 2011: $13,909,185Liabilities 2011: $11,170,278Net Assets 2011: $2,738,9072011Assets 2012: $13,905,336Liabilities 2012: $11,303,364Net Assets 2012: $2,601,9722012Assets 2013: $13,952,147Liabilities 2013: $11,521,389Net Assets 2013: $2,430,7582013

Highlighted filing

2013

Assets$13,952,147
Liabilities$11,521,389
Net Assets$2,430,758
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0-$500KExpenses 2010: $770,8582010Expenses 2011: $717,3952011Expenses 2012: $665,6032012Revenue 2013: $478,445Expenses 2013: $649,659Net Income 2013: -$171,2142013

Highlighted filing

2013

Revenue$478,445
Expenses$649,659
Net Income-$171,214
Open 2013 Filing

Filings

Most recent year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,952,147
Liabilities
$11,521,389
Net assets
$2,430,758
Revenue
$478,445
Expenses
$649,659
Net income
-$171,214
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$14.0$11.5$2.43$0.48$0.65$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.9$11.3$2.60$0.67
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.9$11.2$2.74$0.72
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.3$11.4$2.84$0.77
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 26, 2014
Return Version
2013v3.1
Gross Receipts
$478,445
Mission and Program Overview

Mission

CREDIT UNION

Credit union vamco credit union primarily engages in secured (real estate, cars, trucks, collector cars, etc.) and unsecured consumer loans to member-owners. Vamco does not invest in speculative or risky ventures. Member-owners savings at vamco are protected by the national credit union share insurance fund (ncusif), whit is administered by the ncua.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$5,835,219$6,635,496▲ $800,277
Other Notes and Loans Receivable, Net$7,041,427$6,325,287▼ $716,140
Rtn Earn Endowment Incm Other Fnds$2,601,972$2,430,758▼ $171,214
Receivables From Officers Etc$451,620$431,974▼ $19,646
Investments Program Related$300,000$300,000→ $0
Cash and Non-Interest-Bearing Accounts$92,827$83,763▼ $9,064
Prepaid Expenses and Deferred Charges$53,788$42,363▼ $11,425
Land, Buildings, and Equipment, Net-$2,317-
Total Assets$13,905,336$13,952,147▲ $46,811
Other Assets Total$130,455$130,947▲ $492
Liabilities
Other Liabilities$11,236,766$11,462,778▲ $226,012
Accounts Payable and Accrued Expenses$66,598$58,611▼ $7,987
Total Liabilities$11,303,364$11,521,389▲ $218,025
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,601,972$2,430,758▼ $171,214
Total Liabilities and Net Assets / Fund Balance$13,905,336$13,952,147▲ $46,811

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,317$1,053$3,370
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Leslie WillerthPresidentFT$88,199$14,483$102,682
Audrey SzubertVice PresidentFT$67,572$13,208$80,780

Board Members and Trustees

NameTitle
Marjorie LindenbergChairperson
Greg SmithVice-chairperson
James KrekelDirector
Philip CousineauDirector
Roberta LiljegrenDirector
Robert SchneiderSecretary
Jim CoryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$367,496
Investment Income
$35,909
Other Revenue
$75,040
Change in Net Assets
$-171,214
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$365,718
Other Expenses$283,941
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$183,462--$183,462
Other Salaries and Wages$125,130--$125,130
Fees for Services Other$67,361--$67,361
Occupancy$46,549--$46,549
Office Expenses$31,048--$31,048
Other Employee Benefits$30,821--$30,821
Payroll Taxes$21,429--$21,429
Interest$16,670--$16,670
All Other Expenses$15,656--$15,656
Insurance$14,829--$14,829
Other Expenses$8,000--$8,000
Advertising$7,519--$7,519
Fees for Services Accounting$6,259--$6,259
Pension Plan Contributions$4,876--$4,876
Conferences and Meetings$3,136--$3,136
Total Functional Expenses$649,659$0$0$649,659
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$451,620$431,974▼ $19,646
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$6,954,679
Certificates$2,280,046
Share Drafts$1,253,286
IRA's$842,967
Club Accounts$131,800
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

Governance Explanations

Form 990, Part VI, Line 9

“Marjorie lindenberg 563 amherst ave des plaines il 60016 greg smith 60 woodberry road deer park il 60001 bob schneider 4907 w birchwood ave skokie il 60077 jim cory 1419 brush hill circle naperville il 60540 philip cousineau 933 huntington dr elk grove village il 60007 jim krekel 12 cambridge ct cary il 60013 roberta liljegren 2649 westbrook dr franklin park il 60131”

Filing and Contact Details

Filer

EIN
36-6046900
Phone
8476991600

Signing Officer

Name
Leslie B Willerth
Title
President
Phone
8476991600
Signed
2014-03-26
Discuss with paid preparer
Yes

Organization Details

Formed
1940
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
7
Employees
5
Volunteers
7

Preparer

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

“The board of directors are elected by the membership at the annual meeting”

Pt VI, Line 11B

“The president reviews prior to filing and the board reviews at next board meeting.”

Pt VI, Line 15A

“The board reviews salary surveys from icul and cuna, yrs of exp, and job responsibility, along w/ cola to determine compensation”

Pt VI, Line 15B

“The board reviews salary surveys from icul and cuna, yrs of exp, and job responsibility, along w/ cola to determine compensation”

Pt XII, Line 1

“The credit union uses accrual method of accounting in accordance with gaap”

Pt VI, Line 19

“Documents are available upon request.”

Form 990, Part IX, Line 24F

“Ncusif stabilization exp 9343. 9343. Supervisory fee 6313. 6313.”

Raw XML AppendixShowing 400 of 501 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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IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03370
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06954679
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1131800
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21253286
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32280046
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4842967
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CLUB ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA's
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02317
IRS990ScheduleD/TotalLiabilityAmt011462778
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt010063
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt19588
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt223678
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3170538
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4705
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt58382
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt648600
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt714350
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt858417
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt93040
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt101286
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1175385
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt121003
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt136939
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd12true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd13true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd14true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd11false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd12false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd13false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd14false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd12X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd13X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd14X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3FIRST MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6FIRST MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt101ST MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt121ST MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt13VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt14AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt014000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt110000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt228554
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt3180000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt415000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt517000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt6100000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt724835
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt815000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt962000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt10100000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1120000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt12120000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1320000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1417343
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JIM CORY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1PHILLIP COUSINEAU
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2PHILLIP COUSINEAU
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3JIM KREKEL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4JIM KREKEL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5JIM KREKEL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6MARGE LINDENBERG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7MARGE LINDENBERG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8BOB SCHNEIDER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9GREG SMITH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10GREG SMITH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm11AUDREY SZUBERT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm12AUDREY SZUBERT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm13LES WILLERTH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm14LES WILLERTH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0TREASURER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8SECRETARY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt9VICE CHAIRMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt10VICE CHAIRMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt11VICE PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt12VICE PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt13PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt14PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true

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