Civic Intelligence

Revity Credit Union

EIN 37-0646488 • 501(c)14 • Granite City, IL

View Organization Page

Profile

To provide cooperative financial services to anyone who lives, works or attends school within the following illinois counties: sangamon, logan, macon, marion, jefferson, perry, jackson, williamson, jersey, macoupin, montgomery, madison, bond, clinton, st. Clair, monroe, washington and randolph.

3970 Maryville RoadGranite City, IL 62040

www.revitycu.com

Siviq Scores

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

Liabilities / Assets

67th percentile

0.91x

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

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

Liabilities / Revenue

69th percentile

16.80x

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

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

Net Margin

21st percentile

3.6%

Higher net margin than 21% of similar nonprofits.

501(c)14 • $250M-$1B 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

49th percentile

2.7%

Faster asset growth than 49% of similar nonprofits.

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

Revenue Growth

36th percentile

11%

Faster revenue growth than 36% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets67th percentile

Assets

Up

$460,729,959

Up $24,113,606 (+5.5%) from 2022

Liabilities

Up

$420,432,383

Up $17,301,172 (+4.3%) from 2022

Net Assets

Up

$40,297,576

Up $6,812,434 (+20%) from 2022

Operations
Liabilities / Revenue69th percentileNet Margin21st percentile

Revenue

Up

$25,020,502

Up $4,791,786 (+24%) from 2022

Expenses

Up

$24,130,231

Up $7,345,211 (+44%) from 2022

Net Income

Down

$890,271

Down $2,553,425 (-74%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth49th percentile

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

$600M$400M$200M$0Assets 2014: $309,008,530Liabilities 2014: $272,762,938Net Assets 2014: $36,245,5922014Assets 2015: $312,532,650Liabilities 2015: $275,173,927Net Assets 2015: $37,358,7232015Assets 2016: $323,256,415Liabilities 2016: $284,571,188Net Assets 2016: $38,685,2272016Assets 2017: $328,251,641Liabilities 2017: $288,600,992Net Assets 2017: $39,650,6492017Assets 2018: $345,209,620Liabilities 2018: $304,700,948Net Assets 2018: $40,508,6722018Assets 2019: $347,220,803Liabilities 2019: $305,691,017Net Assets 2019: $41,529,7862019Assets 2020: $397,616,673Liabilities 2020: $354,150,790Net Assets 2020: $43,465,8832020Assets 2021: $448,089,061Liabilities 2021: $401,930,222Net Assets 2021: $46,158,8392021Assets 2022: $436,616,353Liabilities 2022: $403,131,211Net Assets 2022: $33,485,1422022Assets 2024: $460,729,959Liabilities 2024: $420,432,383Net Assets 2024: $40,297,5762024

Highlighted filing

2024

Assets$460,729,959
Liabilities$420,432,383
Net Assets$40,297,576
Open 2024 Filing

Operations Trend

Revenue Growth36th percentile

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

$30M$20M$10M$0Revenue 2014: $16,214,718Expenses 2014: $15,518,945Net Income 2014: $695,7732014Revenue 2015: $16,236,362Expenses 2015: $15,106,590Net Income 2015: $1,129,7722015Revenue 2016: $16,773,356Expenses 2016: $15,854,786Net Income 2016: $918,5702016Revenue 2017: $17,998,402Expenses 2017: $17,168,595Net Income 2017: $829,8072017Revenue 2018: $19,441,363Expenses 2018: $18,876,504Net Income 2018: $564,8592018Revenue 2019: $20,114,524Expenses 2019: $19,283,813Net Income 2019: $830,7112019Revenue 2020: $18,517,571Expenses 2020: $16,493,790Net Income 2020: $2,023,7812020Revenue 2021: $19,603,489Expenses 2021: $14,901,006Net Income 2021: $4,702,4832021Revenue 2022: $20,228,716Expenses 2022: $16,785,020Net Income 2022: $3,443,6962022Revenue 2024: $25,020,502Expenses 2024: $24,130,231Net Income 2024: $890,2712024

Highlighted filing

2024

Revenue$25,020,502
Expenses$24,130,231
Net Income$890,271
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$460,729,959
Liabilities
$420,432,383
Net assets
$40,297,576
Revenue
$25,020,502
Expenses
$24,130,231
Net income
$890,271
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$461$420$40.3$25.0$24.1$0.89
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$437$403$33.5$20.2$16.8$3.44
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$448$402$46.2$19.6$14.9$4.70
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$398$354$43.5$18.5$16.5$2.02
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$347$306$41.5$20.1$19.3$0.83
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$345$305$40.5$19.4$18.9$0.56
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$328$289$39.7$18.0$17.2$0.83
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$323$285$38.7$16.8$15.9$0.92
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$313$275$37.4$16.2$15.1$1.13
2014Detailed filing. Detailed filing data is available for this year.$309$273$36.2$16.2$15.5$0.70
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 3, 2025
Return Version
2024v5.2
Gross Receipts
$25,020,502
Mission and Program Overview

Mission

To provide cooperative financial services to anyone who lives, works or attends school within the following illinois counties: sangamon, logan, macon, marion, jefferson, perry, jackson, williamson, jersey, macoupin, montgomery, madison, bond, clinton, st. Clair, monroe, washington and randolph.

To provide cooperative financial services to anyone who lives, works or attends school within the following illinois counties: sangamon, logan, macon, marion, jefferson, perry, jackson, williamson, jersey, macoupin, montgomery, madison, bond, clinton, st. Clair, monroe, washington and randolph. In addition to a regularly qualified member, the spouse of a member, the blood or adoptive relatives of either of them and their spouses may be members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$245,602,165$264,543,270▲ $18,941,105
Investments in Publicly Traded Securities$148,281,725$141,277,251▼ $7,004,474
Rtn Earn Endowment Incm Other Fnds$38,323,281$40,297,576▲ $1,974,295
Savings and Temporary Cash Investments$22,255,693$16,040,576▼ $6,215,117
Land, Buildings, and Equipment, Net$11,686,335$10,979,081▼ $707,254
Cash and Non-Interest-Bearing Accounts$4,422,524$4,334,730▼ $87,794
Investments Other Securities$2,058,652$2,058,652→ $0
Accounts Receivable$1,071,804$1,093,242▲ $21,438
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$455,153,966$460,729,959▲ $5,575,993
Other Assets Total$19,775,068$20,403,157▲ $628,089
Liabilities
Other Liabilities$388,177,126$406,573,545▲ $18,396,419
Mortgage Notes Payable Secured by Investment Property$25,000,000$10,000,000▼ $15,000,000
Accounts Payable and Accrued Expenses$3,653,559$3,858,838▲ $205,279
Total Liabilities$416,830,685$420,432,383▲ $3,601,698
Net Assets / Fund Balance
Total Net Assets Fund Balance$38,323,281$40,297,576▲ $1,974,295
Total Liabilities and Net Assets / Fund Balance$455,153,966$460,729,959▲ $5,575,993

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,760,346$7,197,987$14,958,333
Equipment$1,541,056$10,032,729$11,573,785
Land$1,677,679-$1,677,679
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Keith BurtonPresident - Thru 10/24FT$292,756$49,476$342,232
Tamara WoffordChief Financial OfficerFT$223,829$42,317$266,146
John MerrittPresidentFT$69,100$3,986$73,086

Board Members and Trustees

NameTitle
Ken NewtonChairperson
Kenneth ShippVice Chairperson
Barry StuartDirector
George MitchellDirector
Jack ManionDirector
Nick HuniakDirector
Robert LylesDirector
Robert RibbingDirector
Ron JarrettDirector
Kim FrantzSecretary
Jim DevineTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$19,410,395
Investment Income
$5,027,533
Other Revenue
$582,574
Change in Net Assets
$890,271

Audited Revenue Reconciliation

Revenue per Audited Statements
$25,020,502
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$1,084,024
Total Revenue per Audited Statements
$26,104,526
Total Revenue per Form 990
$25,020,502
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,505,272
Salaries, Compensation, and Employee Benefits$8,624,959
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$6,233,778
Office Expenses---$3,997,509
Other Employee Benefits---$1,557,760
Fees for Services Other---$1,515,967
Depreciation Depletion---$963,067
Occupancy---$778,508
Advertising---$503,196
Payroll Taxes---$491,181
Interest---$490,841
Pension Plan Contributions---$342,240
Other Expenses---$86,483
Fees for Services Accounting---$86,400
Travel---$64,626
Fees for Services Legal---$61,755
All Other Expenses---$52,534
Total Functional Expenses$0$0$0$24,130,231

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$24,130,231
Total Expenses per Audited Statements$24,130,231
Total Expenses per Form 990$24,130,231
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
Members Share Deposits$404,479,107
Dividends Payable$2,094,438
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“This organization is a credit union. Therefore, in order to open an account, an individual must become a member of the credit union.”

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

“The board of directors is elected by the full membership of the credit union primarily via proxy vote. When a new member signs up with the credit union, they may also sign a proxy card stating that the directors can cast their votes on their behalf. At the annual membership meeting, the proxy votes are cast for the directors who are nominated from the board's ballot committee.”

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

“A copy of the form 990 was provided to the board of directors for review, approval and signature prior to filing with the internal revenue service.”

Form 990, Part VI, Section B, Line 15

“Persons independent of the organization's president and key employees have determined the compensation for these positions based on comparability data and other factors and have been approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“All governing documents, conflicts of interest policy and financial statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Revity Credit Union
EIN
37-0646488
Phone
6187977993
Address
3970 MARYVILLE ROAD, GRANITE CITY, IL 62040

Signing Officer

Name
John Merritt
Title
President
Phone
6187977993
Signed
2025-11-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Merritt
Formed
1941
Legal Domicile
Il
Voting Board Members
11
Independent Board Members
11
Employees
151
Volunteers
0

Preparer

Firm
Cliftonlarsonallen Llp
Address
475 REGENCY PARK SUITE 175, OFALLON, IL 62269
Preparer
Jeff Parker
Phone
6182331200
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The organization has a committee that assumes responsibility for the selection of an independent auditor and oversight of the audit. This process has not changed from the prior years.”

Financial Statement Notes

PART X, LINE 2:

“Per note 1 of the audited financial statements: the credit union evaluated its tax positions and determined no uncertain tax positions exist as of december 31, 2024 and 2023.”

Raw XML AppendixShowing 400 of 470 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/ActivityOrMissionDesc0TO PROVIDE COOPERATIVE FINANCIAL SERVICES TO ANYONE WHO LIVES, WORKS OR ATTENDS SCHOOL WITHIN THE FOLLOWING ILLINOIS COUNTIES: SANGAMON, LOGAN, MACON, MARION, JEFFERSON, PERRY, JACKSON, WILLIAMSON, JERSEY, MACOUPIN, MONTGOMERY, MADISON, BOND, CLINTON, ST. CLAIR, MONROE, WASHINGTON AND RANDOLPH. IN ADDITION TO A REGULARLY QUALIFIED MEMBER, THE SPOUSE OF A MEMBER, THE BLOOD OR ADOPTIVE RELATIVES OF EITHER OF THEM AND THEIR SPOUSES MAY BE MEMBERS.
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IRS990/Form990PartVIISectionAGrp/PersonNm13JOHN MERRITT
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IRS990/Form990PartVIISectionAGrp/TitleTxt0TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT - THRU 10/24
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01941
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt029252
IRS990/GainOrLossGrp/SecuritiesAmt01198905
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt029252
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt01198905
IRS990/GrossReceiptsAmt025020502
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InterestGrp/TotalAmt0490841
IRS990/InvestmentIncomeGrp/ExclusionAmt03799376
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03799376
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt02058652
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02058652
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0148281725
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0141277251
IRS990/IRPDocumentCnt06352
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt017230716
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011686335
IRS990/LandBldgEquipBasisNetGrp/EOYAmt010979081
IRS990/LandBldgEquipCostOrOtherBssAmt028209797
IRS990/LegalDomicileStateCd0IL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE COOPERATIVE FINANCIAL SERVICES TO ANYONE WHO LIVES, WORKS OR ATTENDS SCHOOL WITHIN THE FOLLOWING ILLINOIS COUNTIES: SANGAMON, LOGAN, MACON, MARION, JEFFERSON, PERRY, JACKSON, WILLIAMSON, JERSEY, MACOUPIN, MONTGOMERY, MADISON, BOND, CLINTON, ST. CLAIR, MONROE, WASHINGTON AND RANDOLPH.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt025000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt010000000
IRS990/NetAssetsOrFundBalancesBOYAmt038323281
IRS990/NetAssetsOrFundBalancesEOYAmt040297576
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt01228157
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01228157
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt01084024
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0778508
IRS990/OfficeExpensesGrp/TotalAmt03997509
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt019775068
IRS990/OtherAssetsTotalGrp/EOYAmt020403157
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01557760
IRS990/OtherExpensesGrp/Desc0UBIT EXPENSES
IRS990/OtherExpensesGrp/Desc1DIVIDENDS ON ACCOUNTS
IRS990/OtherExpensesGrp/Desc2ALLOWANCE FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3MISC OPERATING EXPENSES
IRS990/OtherExpensesGrp/TotalAmt0454
IRS990/OtherExpensesGrp/TotalAmt15867772
IRS990/OtherExpensesGrp/TotalAmt21036160
IRS990/OtherExpensesGrp/TotalAmt386483
IRS990/OtherLiabilitiesGrp/BOYAmt0388177126
IRS990/OtherLiabilitiesGrp/EOYAmt0406573545
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/Desc1OTHER INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0444327
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1138247
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0444327
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1138247
IRS990/OtherRevenueTotalAmt0582574
IRS990/OtherSalariesAndWagesGrp/TotalAmt06233778
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0245602165
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0264543270
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0491181
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0342240
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0JOHN MERRITT
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST-MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1INTERCHANGE FEES
IRS990/ProgramServiceRevenueGrp/Desc2FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt014713482
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12483356
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22163787
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt014713482
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12483356
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22213557
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt049770
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt06613334
IRS990/PYOtherExpensesAmt015048900
IRS990/PYOtherRevenueAmt0753349
IRS990/PYProgramServiceRevenueAmt017083989
IRS990/PYRevenuesLessExpensesAmt01595623
IRS990/PYSalariesCompEmpBnftPaidAmt07806149
IRS990/PYTotalExpensesAmt022855049
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt024450672
IRS990/ReconcilationRevenueExpnssAmt0890271
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt038323281
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt040297576
IRS990/SavingsAndTempCashInvstGrp/BOYAmt022255693
IRS990/SavingsAndTempCashInvstGrp/EOYAmt016040576
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt07760346
IRS990ScheduleD/BuildingsGrp/DepreciationAmt07197987
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt014958333
IRS990ScheduleD/EquipmentGrp/BookValueAmt01541056
IRS990ScheduleD/EquipmentGrp/DepreciationAmt010032729
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt011573785
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt024130231
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01677679
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01677679
IRS990ScheduleD/NetUnrealizedGainsInvstAmt01084024
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02094438
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1404479107
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DIVIDENDS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBERS SHARE DEPOSITS
IRS990ScheduleD/RevenueNotReportedAmt01084024
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt025020502
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0PER NOTE 1 OF THE AUDITED FINANCIAL STATEMENTS: THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2024 AND 2023.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt010979081
IRS990ScheduleD/TotalExpensesPerForm990Amt024130231
IRS990ScheduleD/TotalLiabilityAmt0406573545
IRS990ScheduleD/TotalRevenuePerForm990Amt025020502
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt026104526
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt024130231
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0292756
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1223829
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
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/DeferredCompensationFlngOrgAmt029724
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt122572
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt019752
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt119745
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KEITH BURTON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1TAMARA WOFFORD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT - THRU 10/24
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CHIEF FINANCIAL OFFICER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0342232
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1266146
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THIS ORGANIZATION IS A CREDIT UNION. THEREFORE, IN ORDER TO OPEN AN ACCOUNT, AN INDIVIDUAL MUST BECOME A MEMBER OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE FULL MEMBERSHIP OF THE CREDIT UNION PRIMARILY VIA PROXY VOTE. WHEN A NEW MEMBER SIGNS UP WITH THE CREDIT UNION, THEY MAY ALSO SIGN A PROXY CARD STATING THAT THE DIRECTORS CAN CAST THEIR VOTES ON THEIR BEHALF. AT THE ANNUAL MEMBERSHIP MEETING, THE PROXY VOTES ARE CAST FOR THE DIRECTORS WHO ARE NOMINATED FROM THE BOARD'S BALLOT COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COPY OF THE FORM 990 WAS PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW, APPROVAL AND SIGNATURE PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PERSONS INDEPENDENT OF THE ORGANIZATION'S PRESIDENT AND KEY EMPLOYEES HAVE DETERMINED THE COMPENSATION FOR THESE POSITIONS BASED ON COMPARABILITY DATA AND OTHER FACTORS AND HAVE BEEN APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION HAS A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE SELECTION OF AN INDEPENDENT AUDITOR AND OVERSIGHT OF THE AUDIT. THIS PROCESS HAS NOT CHANGED FROM THE PRIOR YEARS.
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 B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00

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