Civic Intelligence

Membersalliance Credit Union

EIN 36-6066647 • 501(c)14 • Rockford, IL

Profile

To be the leader in our community in providing financial products, exceptional service, and financial education.

2550 S Alpine RoadRockford, IL 61108

www.membersalliance.org

Siviq Scores

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

Liabilities / Assets

69th percentile

0.91x

Higher debt load relative to assets than 69% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

49th percentile

15.30x

Higher debt load relative to revenue than 49% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

85th percentile

20%

Higher net margin than 85% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

45th percentile

$385,702

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

$250M-$1B nonprofits • Source year 2024

Asset Growth

41st percentile

1.7%

Faster asset growth than 41% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Revenue Growth

74th percentile

20%

Faster revenue growth than 74% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Assets

Down

$281,812,133

Down $2,641,968 (-0.9%) from 2023

Liabilities

Down

$257,680,995

Down $6,641,499 (-2.5%) from 2023

Net Assets

Up

$24,131,138

Up $3,999,531 (+20%) from 2023

Revenue

Up

$16,845,918

Up $4,203,360 (+33%) from 2023

Expenses

Up

$13,502,429

Up $1,918,880 (+17%) from 2023

Net Income

Up

$3,343,489

Up $2,284,480 (+216%) from 2023

Trend Graphs

Balance Sheet Trend

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

$300M$200M$100M$0Assets 2010: $139,564,614Liabilities 2010: $129,199,203Net Assets 2010: $10,365,4112010Assets 2011: $140,840,204Liabilities 2011: $129,842,113Net Assets 2011: $10,998,0912011Assets 2012: $150,753,364Liabilities 2012: $139,413,875Net Assets 2012: $11,339,4892012Assets 2013: $156,789,568Liabilities 2013: $146,692,831Net Assets 2013: $10,096,7372013Assets 2014: $164,662,152Liabilities 2014: $152,226,540Net Assets 2014: $12,435,6122014Assets 2015: $174,248,731Liabilities 2015: $160,927,389Net Assets 2015: $13,321,3422015Assets 2016: $182,620,120Liabilities 2016: $167,700,068Net Assets 2016: $14,920,0522016Assets 2017: $186,306,356Liabilities 2017: $170,726,105Net Assets 2017: $15,580,2512017Assets 2018: $191,197,954Liabilities 2018: $174,902,239Net Assets 2018: $16,295,7152018Assets 2019: $194,160,559Liabilities 2019: $176,682,152Net Assets 2019: $17,478,4072019Assets 2020: $232,816,779Liabilities 2020: $214,606,909Net Assets 2020: $18,209,8702020Assets 2021: $261,024,917Liabilities 2021: $241,877,125Net Assets 2021: $19,147,7922021Assets 2022: $272,214,856Liabilities 2022: $253,733,113Net Assets 2022: $18,481,7432022Assets 2023: $284,454,101Liabilities 2023: $264,322,494Net Assets 2023: $20,131,6072023Assets 2024: $281,812,133Liabilities 2024: $257,680,995Net Assets 2024: $24,131,1382024

Highlighted filing

2024

Assets$281,812,133
Liabilities$257,680,995
Net Assets$24,131,138

Operations Trend

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

$20M$15M$10M$5.0M$0Expenses 2010: $7,211,5032010Expenses 2011: $6,974,0352011Expenses 2012: $6,972,1292012Revenue 2013: $7,557,456Expenses 2013: $6,796,792Net Income 2013: $760,6642013Revenue 2014: $7,995,813Expenses 2014: $7,158,100Net Income 2014: $837,7132014Revenue 2015: $8,274,081Expenses 2015: $7,474,939Net Income 2015: $799,1422015Revenue 2016: $9,110,870Expenses 2016: $7,889,625Net Income 2016: $1,221,2452016Revenue 2017: $9,648,896Expenses 2017: $8,986,857Net Income 2017: $662,0392017Revenue 2018: $10,329,300Expenses 2018: $9,597,276Net Income 2018: $732,0242018Revenue 2019: $10,945,696Expenses 2019: $9,827,624Net Income 2019: $1,118,0722019Revenue 2020: $10,314,716Expenses 2020: $9,596,574Net Income 2020: $718,1422020Revenue 2021: $10,604,596Expenses 2021: $9,361,369Net Income 2021: $1,243,2272021Revenue 2022: $11,651,256Expenses 2022: $9,931,863Net Income 2022: $1,719,3932022Revenue 2023: $12,642,558Expenses 2023: $11,583,549Net Income 2023: $1,059,0092023Revenue 2024: $16,845,918Expenses 2024: $13,502,429Net Income 2024: $3,343,4892024

Highlighted filing

2024

Revenue$16,845,918
Expenses$13,502,429
Net Income$3,343,489

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$282$258$24.1$16.8$13.5$3.34
2023Detailed filing. Detailed filing data is available for this year.$284$264$20.1$12.6$11.6$1.06
2022Detailed filing. Detailed filing data is available for this year.$272$254$18.5$11.7$9.93$1.72
2021Detailed filing. Detailed filing data is available for this year.$261$242$19.1$10.6$9.36$1.24
2020Detailed filing. Detailed filing data is available for this year.$233$215$18.2$10.3$9.60$0.72
2019Detailed filing. Detailed filing data is available for this year.$194$177$17.5$10.9$9.83$1.12
2018Detailed filing. Detailed filing data is available for this year.$191$175$16.3$10.3$9.60$0.73
2017Detailed filing. Detailed filing data is available for this year.$186$171$15.6$9.65$8.99$0.66
2016Detailed filing. Detailed filing data is available for this year.$183$168$14.9$9.11$7.89$1.22
2015Detailed filing. Detailed filing data is available for this year.$174$161$13.3$8.27$7.47$0.80
2014Detailed filing. Detailed filing data is available for this year.$165$152$12.4$8.00$7.16$0.84
2013Detailed filing. Detailed filing data is available for this year.$157$147$10.1$7.56$6.80$0.76
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$151$139$11.3$6.97
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$141$130$11.0$6.97
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$140$129$10.4$7.21
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 9, 2025
Return Version
2024v5.1
Gross Receipts
$16,899,494
Mission and Program Overview

Mission

To be the leader in our community in providing financial products, exceptional service, and financial education.

Provide financial products and services for members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$172,746,657$178,600,893▲ $5,854,236
Investments Other Securities$58,347,676--
Investments Program Related-$54,982,012-
Rtn Earn Endowment Incm Other Fnds$20,131,607$24,131,138▲ $3,999,531
Investments in Publicly Traded Securities$22,981,568$23,637,615▲ $656,047
Savings and Temporary Cash Investments$11,714,062$7,596,675▼ $4,117,387
Land, Buildings, and Equipment, Net$4,410,722$4,332,141▼ $78,581
Cash and Non-Interest-Bearing Accounts$4,229,121$2,027,159▼ $2,201,962
Accounts Receivable$612,347$1,378,357▲ $766,010
Prepaid Expenses and Deferred Charges$488,597$505,281▲ $16,684
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$284,454,101$281,812,133▼ $2,641,968
Other Assets Total$8,923,351$8,752,000▼ $171,351
Liabilities
Other Liabilities$258,128,784$253,647,935▼ $4,480,849
Accounts Payable and Accrued Expenses$6,193,710$4,033,060▼ $2,160,650
Total Liabilities$264,322,494$257,680,995▼ $6,641,499
Net Assets / Fund Balance
Total Net Assets Fund Balance$20,131,607$24,131,138▲ $3,999,531
Total Liabilities and Net Assets / Fund Balance$284,454,101$281,812,133▼ $2,641,968

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,944,545$2,902,629$5,847,174
Equipment$151,839$1,824,985$1,976,824
Land$1,226,557-$1,226,557
Leasehold Improvements$9,200$625,428$634,628
Investment Program Related Org$266,300--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lisa KellerChief Operating OfficerFT$160,049$225,653$385,702
Cheryl SioCEOFT$186,874$41,455$228,329
Kelly FroelingerVP of FinanceFT$110,290$35,658$145,948
Matt LynchVP of MarketingFT$108,179$17,226$125,405

Board Members and Trustees

NameTitle
Greg HopkinsBoard Chairman
Keith EdenDirector
Michael YoungbloodDirector
Steve NaffDirector
Susan CampbellDirector
Mary MaxtedSupervisory Committee Chari
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,294,810
Investment Income
$4,551,108
Other Revenue
$0
Change in Net Assets
$3,343,489

Audited Revenue Reconciliation

Revenue per Audited Statements
$16,845,918
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$16,845,918
Total Revenue per Form 990
$16,845,918
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,444,585
Salaries, Compensation, and Employee Benefits$6,057,844
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$3,816,057--$3,816,057
Interest$2,039,514--$2,039,514
Current Officers, Directors, Trustees, and Key Employees$885,384--$885,384
Other Employee Benefits$725,602--$725,602
Occupancy$615,200--$615,200
Information Technology$536,437--$536,437
Payroll Taxes$369,740--$369,740
Advertising$333,328--$333,328
Depreciation Depletion$265,666--$265,666
Pension Plan Contributions$261,061--$261,061
Other Expenses$198,722--$198,722
Office Expenses$180,245--$180,245
Fees for Services Accounting$127,946--$127,946
Insurance$39,258--$39,258
Travel$6,965--$6,965
Conferences and Meetings$6,671--$6,671
Fees for Services Legal$618--$618
Total Functional Expenses$13,502,429$0$0$13,502,429

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$13,502,429
Total Expenses per Audited Statements$13,502,429
Total Expenses per Form 990$13,502,429
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$253,647,935
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

Depositors are considered members

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

Members have the right to vote for the board of directors. Members are asked to assign their votes via proxy to the board of directors.

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

Members vote for the board of directors via proxy.

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

The 990 is prepared by an external accountant and reviewed by the president and the vice president of finance before it is filed. Board members are notified when the filing is complete and are able to access it on the board portal. The board does not require review prior to submission.

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

Policies are frequently updated, requiring board approval. Each year at the annual organizational meeting the board approves the policy manual as a whole. The policy manual is always available on the board portal.

Form 990, Part VI, Section B, Line 15

The president's salary is determined by the board chairman, using the same third party sourced used to determine all staff and executive salary ranges, performance against established and reviewed goals and objectives, and the wage and salary committee's overall merit percentage established for determining the annual salary budget.

Form 990, Part VI, Section C, Line 19

Financial statements are posted in lobbies of all locations. Conflict of interst and other governing documents are available on request.

Filing and Contact Details

Filer

Filer Name
Membersalliance Credit Union
EIN
36-6066647
Phone
8152262260
Address
2550 S ALPINE ROAD, ROCKFORD, IL 61108

Signing Officer

Name
Cheryl Sio
Title
President
Phone
8152262260
Signed
2025-06-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cheryl Sio
Formed
1938
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
6
Employees
98
Volunteers
6

Preparer

Firm
Selden Fox Ltd
Address
ONE PARKVIEW PLAZA SUITE 710, OAKBROOK TERRACE, IL 60181
Preparer
Michael Kram
Phone
6309541400
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

The process has not chnaged from the prior year.

Raw XML AppendixShowing 400 of 471 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/InterestGrp/TotalAmt02039514
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02257739
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02257739
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt058347676
IRS990/InvestmentsProgramRelatedGrp/EOYAmt054982012
IRS990/InvestmentsPubTradedSecGrp/BOYAmt022981568
IRS990/InvestmentsPubTradedSecGrp/EOYAmt023637615
IRS990/IRPDocumentCnt05484
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05353042
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04410722
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04332141
IRS990/LandBldgEquipCostOrOtherBssAmt09685183
IRS990/LegalDomicileStateCd0IL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt053576
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO BE THE LEADER IN OUR COMMUNITY IN PROVIDING FINANCIAL PRODUCTS, EXCEPTIONAL SERVICE, AND FINANCIAL EDUCATION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt020131607
IRS990/NetAssetsOrFundBalancesEOYAmt024131138
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt02293369
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt02293369
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0656047
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt0615200
IRS990/OccupancyGrp/TotalAmt0615200
IRS990/OfficeExpensesGrp/ProgramServicesAmt0180245
IRS990/OfficeExpensesGrp/TotalAmt0180245
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08923351
IRS990/OtherAssetsTotalGrp/EOYAmt08752000
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0725602
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0725602
IRS990/OtherExpensesGrp/Desc0SERIVE AND PRODUCT EXPE
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc2VISA REWARD POINTS
IRS990/OtherExpensesGrp/Desc3PROVISION FOR CREDIT LO
IRS990/OtherExpensesGrp/ProgramServicesAmt02591471
IRS990/OtherExpensesGrp/ProgramServicesAmt1280468
IRS990/OtherExpensesGrp/ProgramServicesAmt2222076
IRS990/OtherExpensesGrp/ProgramServicesAmt3198722
IRS990/OtherExpensesGrp/TotalAmt02591471
IRS990/OtherExpensesGrp/TotalAmt1280468
IRS990/OtherExpensesGrp/TotalAmt2222076
IRS990/OtherExpensesGrp/TotalAmt3198722
IRS990/OtherLiabilitiesGrp/BOYAmt0258128784
IRS990/OtherLiabilitiesGrp/EOYAmt0253647935
IRS990/OtherOrganizationDsc0COOPERATIVE
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt03816057
IRS990/OtherSalariesAndWagesGrp/TotalAmt03816057
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0172746657
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0178600893
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ProgramServicesAmt0369740
IRS990/PayrollTaxesGrp/TotalAmt0369740
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0261061
IRS990/PensionPlanContributionsGrp/TotalAmt0261061
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0488597
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0505281
IRS990/PrincipalOfficerNm0CHERYL SIO
IRS990/PriorPeriodAdjustmentsAmt0-5
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST FROM LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE AND INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08551672
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13582692
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2160446
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08551672
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13582692
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2160446
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01665843
IRS990/PYOtherExpensesAmt06223712
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt010976715
IRS990/PYRevenuesLessExpensesAmt01059009
IRS990/PYSalariesCompEmpBnftPaidAmt05359837
IRS990/PYTotalExpensesAmt011583549
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012642558
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt03343489
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt016845918
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt020131607
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt024131138
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011714062
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07596675
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02944545
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02902629
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05847174
IRS990ScheduleD/EquipmentGrp/BookValueAmt0151839
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01824985
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01976824
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt013502429
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt054411508
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1304204
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2266300
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CAPITAL IN CORPORATE CREDIT UNION
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2FHLB CAPITAL STOCK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/LandGrp/BookValueAmt01226557
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01226557
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt09200
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0625428
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0634628
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0253647935
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt016845918
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04332141
IRS990ScheduleD/TotalBookValueProgramRltdAmt054982012
IRS990ScheduleD/TotalExpensesPerForm990Amt013502429
IRS990ScheduleD/TotalLiabilityAmt0253647935
IRS990ScheduleD/TotalRevenuePerForm990Amt016845918
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt016845918
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt013502429
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0160049
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1186874
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount111468
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0208593
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt112992
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt017060
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt116995
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0LISA KELLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1CHERYL SIO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CHIEF OPERATING OFFICER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0385702
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1228329
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE PRESIDENT'S SALARY IS DETERMINED BY THE BOARD CHAIRMAN, USING THE SAME THIRD-PARTY SOURCE USED TO DETERMINE ALL STAFF SALARY RANGES, PERFORMANCE AGAINST ESTABLISHED AND REVIEWED GOALS AND OBJECTIVES, ADN THE WAGE AND SALARY COMMITTEE'S OVERALL MERIT PERCENTAGE ESTABLISHED FOR DETERMINING THE ANNUAL SALARY BUDGET.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1LISA KELLER RECEIVED A PAYOUR FROM A 457(F) SUPPLEMENTAL DEFINED BENEFIT PLAN IN 2024.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DEPOSITORS ARE CONSIDERED MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS HAVE THE RIGHT TO VOTE FOR THE BOARD OF DIRECTORS. MEMBERS ARE ASKED TO ASSIGN THEIR VOTES VIA PROXY TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS VOTE FOR THE BOARD OF DIRECTORS VIA PROXY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 990 IS PREPARED BY AN EXTERNAL ACCOUNTANT AND REVIEWED BY THE PRESIDENT AND THE VICE PRESIDENT OF FINANCE BEFORE IT IS FILED. BOARD MEMBERS ARE NOTIFIED WHEN THE FILING IS COMPLETE AND ARE ABLE TO ACCESS IT ON THE BOARD PORTAL. THE BOARD DOES NOT REQUIRE REVIEW PRIOR TO SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4POLICIES ARE FREQUENTLY UPDATED, REQUIRING BOARD APPROVAL. EACH YEAR AT THE ANNUAL ORGANIZATIONAL MEETING THE BOARD APPROVES THE POLICY MANUAL AS A WHOLE. THE POLICY MANUAL IS ALWAYS AVAILABLE ON THE BOARD PORTAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PRESIDENT'S SALARY IS DETERMINED BY THE BOARD CHAIRMAN, USING THE SAME THIRD PARTY SOURCED USED TO DETERMINE ALL STAFF AND EXECUTIVE SALARY RANGES, PERFORMANCE AGAINST ESTABLISHED AND REVIEWED GOALS AND OBJECTIVES, AND THE WAGE AND SALARY COMMITTEE'S OVERALL MERIT PERCENTAGE ESTABLISHED FOR DETERMINING THE ANNUAL SALARY BUDGET.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN LOBBIES OF ALL LOCATIONS. CONFLICT OF INTERST AND OTHER GOVERNING DOCUMENTS ARE AVAILABLE ON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE PROCESS HAS NOT CHNAGED FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00

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