Civic Intelligence

Premier Credit Union

990 • Fiscal year 2013 • EIN 36-6084996

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 10, 2014

Organization Profilewww.mycu.org

View Organization Page

1212 W NW Highway60067-1897

(847) 496-1638

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.91x

Higher debt load relative to assets than 62% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

95th percentile

27.12x

Higher debt load relative to revenue than 95% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

58th percentile

12%

Higher net margin than 58% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

65th percentile

$219,741

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 3.8% of source-year revenue.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Asset Growth

86th percentile

7.9%

Faster asset growth than 86% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M 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 / Assets62nd percentile

Assets

Up

$172,432,212

Up $12,594,377 (+7.9%) from 2012

Net Assets

Up

$16,366,161

Up $363,135 (+2.3%) from 2012

Liabilities

Up

$156,066,051

Up $12,231,242 (+8.5%) from 2012

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin58th percentile

Revenue

$5,755,266

No earlier filing loaded for comparison.

Expenses

Down

$5,063,825

Down $177,721 (-3.4%) from 2012

Net Income

$691,441

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth86th percentile

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

$200M$150M$100M$50M$0Assets 2010: $141,790,210Liabilities 2010: $126,781,458Net Assets 2010: $15,008,7522010Assets 2011: $150,311,194Liabilities 2011: $134,962,663Net Assets 2011: $15,348,5312011Assets 2012: $159,837,835Liabilities 2012: $143,834,809Net Assets 2012: $16,003,0262012Assets 2013: $172,432,212Liabilities 2013: $156,066,051Net Assets 2013: $16,366,1612013Assets 2014: $178,161,226Liabilities 2014: $160,817,641Net Assets 2014: $17,343,5852014

Highlighted filing

2013

Assets$172,432,212
Liabilities$156,066,051
Net Assets$16,366,161
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $6,464,9152010Expenses 2011: $5,645,3242011Expenses 2012: $5,241,5462012Revenue 2013: $5,755,266Expenses 2013: $5,063,825Net Income 2013: $691,4412013Revenue 2014: $5,717,485Expenses 2014: $4,874,193Net Income 2014: $843,2922014

Highlighted filing

2013

Revenue$5,755,266
Expenses$5,063,825
Net Income$691,441
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 10, 2014
Return Version
2013v3.1
Gross Receipts
$5,755,266
Mission and Program Overview

Mission

Illinois state chartered credit union

Illinois state chartered credit union operated for the mutual benefit of its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$77,389,953$78,091,194▲ $701,241
Investments Program Related$54,565,554$64,407,516▲ $9,841,962
Rtn Earn Endowment Incm Other Fnds$16,003,026$16,366,161▲ $363,135
Investments Other Securities$8,458,423$15,423,050▲ $6,964,627
Savings and Temporary Cash Investments$15,128,126$9,911,570▼ $5,216,556
Cash and Non-Interest-Bearing Accounts$621,432$680,990▲ $59,558
Receivables From Officers Etc$735,992$646,345▼ $89,647
Land, Buildings, and Equipment, Net$420,698$327,134▼ $93,564
Prepaid Expenses and Deferred Charges$189,165$189,781▲ $616
Accounts Receivable$8,976$66,904▲ $57,928
Total Assets$159,837,835$172,432,212▲ $12,594,377
Other Assets Total$2,319,516$2,687,728▲ $368,212
Liabilities
Other Liabilities$142,921,461$155,087,073▲ $12,165,612
Accounts Payable and Accrued Expenses$913,348$978,978▲ $65,630
Total Liabilities$143,834,809$156,066,051▲ $12,231,242
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,003,026$16,366,161▲ $363,135
Total Liabilities and Net Assets / Fund Balance$159,837,835$172,432,212▲ $12,594,377

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$212,156$213,178$425,334
Leasehold Improvements$114,978$234,900$349,878
Investment Program Related Org$1,487,576--
Other Securities$670,665--
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James a RocheCEOFT$195,966$23,775$219,741
James a Roche--$195,966$23,775$219,741
Steve StephensFormer Evp/CFO-$127,251$16,917$144,168
Steve Stephens--$127,251$16,917$144,168
Jennifer FournierVP of MarketingFT$85,277$15,090$100,367
Joe RogackiVP of LendingFT$79,712$14,636$94,348
Raju ShahVP of ItFT$76,923$14,379$91,302
Mary Fran CallahanCFOFT$28,259$697$28,956

Board Members and Trustees

NameTitle
Leslee JohnsonChairperson
Jim SpenglerVice-chairperson
Alice BarnhartDirector
Demetri SimosDirector
Floyd RogersDirector
Irene HombergerDirector
Robert KaplanDirector
Spiro GiotisDirector
Steven SenfDirector
William LudwigsenDirector
Steven M EastSecretary
Gerald KrewerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,706,017
Investment Income
$691,987
Other Revenue
$1,357,262
Change in Net Assets
$691,441

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,755,266
Total Revenue per Audited Statements
$5,755,266
Total Revenue per Form 990
$5,755,266
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,714,366
Salaries, Compensation, and Employee Benefits$2,347,639
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,198,196--$1,198,196
Current Officers, Directors, Trustees, and Key Employees$678,882--$678,882
All Other Expenses$540,196--$540,196
Occupancy$409,605--$409,605
Other Employee Benefits$312,289--$312,289
Interest$254,649--$254,649
Office Expenses$229,895--$229,895
Other Expenses$201,965--$201,965
Payroll Taxes$158,272--$158,272
Advertising$150,744--$150,744
Fees for Services Other$81,171--$81,171
Depreciation Depletion$77,269--$77,269
Information Technology$77,146--$77,146
Insurance$37,537--$37,537
Fees for Services Accounting$19,200--$19,200
Travel$13,520--$13,520
Conferences and Meetings$6,500--$6,500
Fees for Service Investment Mgmnt Fees$5,599--$5,599
Benefits to Members$1,820--$1,820
Total Functional Expenses$5,063,825$0$0$5,063,825

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,063,825
Total Expenses per Audited Statements$5,063,825
Total Expenses per Form 990$5,063,825
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$735,992$646,345▼ $89,647
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$75,924,063
Money Market$35,615,443
Share Drafts$25,111,979
Certificates$12,405,736
Ira Savings$6,029,852
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
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

EIN
36-6084996
Phone
8474961638

Signing Officer

Name
James a Roche
Title
CEO
Phone
8474961638
Signed
2014-04-10
Discuss with paid preparer
Yes

Organization Details

Formed
1961
Legal Domicile
Il
Voting Board Members
12
Independent Board Members
12
Employees
46
Volunteers
12

Preparer

Preparer
Ray Suoranta
Phone
2198364930
Supplemental Narrative

Additional Explanations

Pt VI, Line 2

“Board members spiro giotis and denetri simos are cousins.”

Pt VI, Line 6

“Members of the credit union who maintain minimum”

Pt VI, Line 6

“Balances in their share accounts are shareholders.”

Pt VI, Line 7A

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

Pt VI, Line 11B

“Prior to filings, the 990 is reviewed by the ceo and cfo.”

Pt VI, Line 15A

“The executive committee of the board of directors determines”

Pt VI, Line 15A

“The compensation for the ceo. Management makes recommendations”

Pt VI, Line 15B

“On other staff members and the ceo approves and submits to”

Pt VI, Line 15B

“The executive committee for review and final approval.”

Pt XI

“Change due to investment market valuation”

Pt XII, Line 2C

“The supervisory committee oversees the audit process.”

Form 990, Part IX, Line 24F

“Atm expense 131822. 131822. Bill payer exp 30323. 30323. Cash over/short 353. 353. Misc cu expenses 57163. 57163. Oreo expense 0. 0. Shared branching 79540. 79540. Sharedraft/overdraft 25414. 25414. Supervision fees 44586. 44586. Visa/debit card exp 170995. 170995.”

Financial Statement Notes

Pt X Line 2

“Effective 2009, the credit union adopted the accounting standard regarding "accounting for uncertain tax positions". The standard provides detailed guidance for financial statement recognition, measurement, and disclosure of uncertain tax positions recognized in the enterprise's financial statements. It requires an entity to recognize the financial statement impact of a tax position when it is more likely than not that the position will be sutstained upon examination. The adoption of this standa”

Pt X Line 2

“effect on the Credit Union's financial position, results in operations, or cash flows. In accordance with statutory regulations, certain tax years remain subject to examination by the taxing authorities.”

Raw XML AppendixShowing 400 of 718 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/InformationTechnologyGrp/TotalAmt077146
IRS990/InsuranceGrp/ProgramServicesAmt037537
IRS990/InsuranceGrp/TotalAmt037537
IRS990/InterestGrp/ProgramServicesAmt0254649
IRS990/InterestGrp/TotalAmt0254649
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0691987
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt08458423
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt015423050
IRS990/InvestmentsProgramRelatedGrp/BOYAmt054565554
IRS990/InvestmentsProgramRelatedGrp/EOYAmt064407516
IRS990/IRPDocumentCnt03724
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0448078
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0420698
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0327134
IRS990/LandBldgEquipCostOrOtherBssAmt0775212
IRS990/LegalDomicileStateCd0IL
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0ILLINOIS STATE CHARTERED CREDIT UNION
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt016003026
IRS990/NetAssetsOrFundBalancesEOYAmt016366161
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt0409605
IRS990/OccupancyGrp/TotalAmt0409605
IRS990/OfficeExpensesGrp/ProgramServicesAmt0229895
IRS990/OfficeExpensesGrp/TotalAmt0229895
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02319516
IRS990/OtherAssetsTotalGrp/EOYAmt02687728
IRS990/OtherChangesInNetAssetsAmt0-328306
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0312289
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0312289
IRS990/OtherExpensesGrp/Desc0ASSOCIATION DUES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2NCUA INS PREMIUM
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/ProgramServicesAmt024140
IRS990/OtherExpensesGrp/ProgramServicesAmt1461515
IRS990/OtherExpensesGrp/ProgramServicesAmt2123715
IRS990/OtherExpensesGrp/ProgramServicesAmt3201965
IRS990/OtherExpensesGrp/TotalAmt024140
IRS990/OtherExpensesGrp/TotalAmt1461515
IRS990/OtherExpensesGrp/TotalAmt2123715
IRS990/OtherExpensesGrp/TotalAmt3201965
IRS990/OtherLiabilitiesGrp/BOYAmt0142921461
IRS990/OtherLiabilitiesGrp/EOYAmt0155087073
IRS990/OtherRevenueMiscGrp/BusinessCd0522190
IRS990/OtherRevenueMiscGrp/BusinessCd1522190
IRS990/OtherRevenueMiscGrp/Desc0FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc1MISC INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01066951
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1290311
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01066951
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1290311
IRS990/OtherRevenueTotalAmt01357262
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01198196
IRS990/OtherSalariesAndWagesGrp/TotalAmt01198196
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt077389953
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt078091194
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt0158272
IRS990/PayrollTaxesGrp/TotalAmt0158272
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0189165
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0189781
IRS990/PrincipalOfcrBusinessAddress/BusinessNameLine10JAMES A ROCHE
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522190
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03706017
IRS990/ProgSrvcAccomActy2Grp/Desc0CREDIT UNION PAYS OUT DIVIDENDS TO ITS MEMBERS ON SHARE DEPOSIT ACCOUNTS AT A MARKET RATE OF INTEREST. THE NUMBER OF SHARE ACCOUNTS AT 12/31/13 IS 23,975 WITH A BALANCE OF $155,087,073. THE CREDIT UNION OFFERS CHECKING ACCOUNTS, ONLINE BANKING, AND A VARIETY OF SAVINGS VEHICLES.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0669631
IRS990/PYOtherExpensesAmt02954639
IRS990/PYOtherRevenueAmt01371303
IRS990/PYProgramServiceRevenueAmt03825880
IRS990/PYRevenuesLessExpensesAmt0625268
IRS990/PYSalariesCompEmpBnftPaidAmt02286907
IRS990/PYTotalExpensesAmt05241546
IRS990/PYTotalRevenueAmt05866814
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0735992
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0646345
IRS990/ReconcilationRevenueExpnssAmt0691441
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt016003026
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt016366161
IRS990/SavingsAndTempCashInvstGrp/BOYAmt015128126
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09911570
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0212156
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0213178
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0425334
IRS990ScheduleD/ExpensesSubtotalAmt05063825
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt062512000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt171180
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2211500
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt350000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt450000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt525260
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt61487576
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CSCU INVESTMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2ALLOYA CORP FCU - MBR CAPITAL
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3ICUL-LSC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4CERTIFICATES - ALLOYA
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5CO-OP NETWORK INVESTMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc6NEGOTIABLE CDs
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd6F
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0114978
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0234900
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0349878
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt075924063
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt125111979
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt26029852
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt335615443
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt412405736
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2IRA SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt014752385
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1670665
IRS990ScheduleD/OtherSecuritiesGrp/Desc0FEDERAL AGENCY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MORTGAGE SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/RevenueSubtotalAmt05755266
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0EFFECTIVE 2009, THE CREDIT UNION ADOPTED THE ACCOUNTING STANDARD REGARDING "ACCOUNTING FOR UNCERTAIN TAX POSITIONS". THE STANDARD PROVIDES DETAILED GUIDANCE FOR FINANCIAL STATEMENT RECOGNITION, MEASUREMENT, AND DISCLOSURE OF UNCERTAIN TAX POSITIONS RECOGNIZED IN THE ENTERPRISE'S FINANCIAL STATEMENTS. IT REQUIRES AN ENTITY TO RECOGNIZE THE FINANCIAL STATEMENT IMPACT OF A TAX POSITION WHEN IT IS MORE LIKELY THAN NOT THAT THE POSITION WILL BE SUTSTAINED UPON EXAMINATION. THE ADOPTION OF THIS STANDA
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1effect on the Credit Union's financial position, results in operations, or cash flows. In accordance with statutory regulations, certain tax years remain subject to examination by the taxing authorities.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt X Line 2
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt X Line 2
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0327134
IRS990ScheduleD/TotalBookValueProgramRltdAmt064407516
IRS990ScheduleD/TotalBookValueSecuritiesAmt015423050
IRS990ScheduleD/TotalExpensesPerForm990Amt05063825
IRS990ScheduleD/TotalLiabilityAmt0155087073
IRS990ScheduleD/TotalRevenuePerForm990Amt05755266
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt05755266
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt05063825
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0195966
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1127251
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt037084
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt113624
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt015600
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt110115

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Filings

Displayed year

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

Open filing
Assets
$172,432,212
Liabilities
$156,066,051
Net assets
$16,366,161
Revenue
$5,755,266
Expenses
$5,063,825
Net income
$691,441
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$178$161$17.3$5.72$4.87$0.84
2013Detailed filing. Detailed filing data is available for this year.$172$156$16.4$5.76$5.06$0.69
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$160$144$16.0$5.24
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$150$135$15.3$5.65
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$142$127$15.0$6.46