Civic Intelligence

Revity Credit Union

990 • Fiscal year 2018 • EIN 37-0646488

Jan 01, 2018 to Dec 31, 2018 • Filed on May 09, 2019

Organization ProfileWWW.MYGCSCU.COM

View Organization Page

3970 Maryville RoadGranite City, IL 62040

(618) 797-7993

Siviq Scores

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

Liabilities / Assets

39th percentile

0.88x

Higher debt load relative to assets than 39% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

35th percentile

15.67x

Higher debt load relative to revenue than 35% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

5th percentile

2.9%

Higher net margin than 5% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

8th percentile

$223,789

Higher top officer pay than 8% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

58th percentile

5.2%

Faster asset growth than 58% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

31st percentile

8.0%

Faster revenue growth than 31% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets39th percentile

Assets

Up

$345,209,620

Up $16,957,979 (+5.2%) from 2017

Net Assets

Up

$40,508,672

Up $858,023 (+2.2%) from 2017

Liabilities

Up

$304,700,948

Up $16,099,956 (+5.6%) from 2017

Revenue And Expenses
Liabilities / Revenue35th percentileNet Margin5th percentile

Revenue

Up

$19,441,363

Up $1,442,961 (+8.0%) from 2017

Expenses

Up

$18,876,504

Up $1,707,909 (+9.9%) from 2017

Net Income

Down

$564,859

Down $264,948 (-32%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth58th percentile

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

$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

2018

Assets$345,209,620
Liabilities$304,700,948
Net Assets$40,508,672
Open 2018 Filing

Operations Trend

Revenue Growth31st percentile

Revenue, expenses, and net income across loaded years, with this 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

2018

Revenue$19,441,363
Expenses$18,876,504
Net Income$564,859
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 9, 2019
Return Version
2018v3.1
Gross Receipts
$19,441,363
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: madison, st. Clair, jersey, macoupin, montgomery, bond, clinton, washington, randolph and monroe.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$296,071,375$284,043,962▼ $12,027,413
Rtn Earn Endowment Incm Other Fnds$39,650,649$40,508,672▲ $858,023
Savings and Temporary Cash Investments$2,956,545$31,950,659▲ $28,994,114
Land, Buildings, and Equipment, Net$6,718,385$6,363,217▼ $355,168
Cash and Non-Interest-Bearing Accounts$3,271,660$3,302,442▲ $30,782
Investments Other Securities$1,222,333$1,382,133▲ $159,800
Accounts Receivable$752,444$777,832▲ $25,388
Investments in Publicly Traded Securities$35,410$24,868▼ $10,542
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$328,251,641$345,209,620▲ $16,957,979
Other Assets Total$17,223,489$17,364,507▲ $141,018
Liabilities
Other Liabilities$281,637,144$293,132,340▲ $11,495,196
Mortgage Notes Payable Secured by Investment Property$5,000,000$10,000,000▲ $5,000,000
Accounts Payable and Accrued Expenses$1,963,848$1,568,608▼ $395,240
Total Liabilities$288,600,992$304,700,948▲ $16,099,956
Net Assets / Fund Balance
Total Net Assets Fund Balance$39,650,649$40,508,672▲ $858,023
Total Liabilities and Net Assets / Fund Balance$328,251,641$345,209,620▲ $16,957,979

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,784,217$5,670,139$9,454,356
Equipment$1,061,435$7,401,473$8,462,908
Land$1,517,565-$1,517,565
Other Assets Org$3,700,000--
Compensation and Service Providers
Top Officer Pay8th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Keith BurtonPresidentFT$197,051$26,738$223,789
Tamara WoffordChief Financial OfficerFT$164,209$16,252$180,461

Board Members and Trustees

NameTitle
Nick HuniakChairperson
Robert LylesVice Chairperson/secretary
Bert EnfieldBoard Member
Cecil WilliamsBoard Member
Jack ManionBoard Member
Ron JarrettBoard Member
Tom GradyBoard Member
George MitchellCredit Committee
Kim FrantzCredit Committee
Samuel AkemanCredit Committee
Larry PirtleSecretary
Barry StuartSupervisory Committee
Kenneth NewtonSupervisory Committee
Kenneth ShippSupervisory Committee
Scott SmallieSupervisory Committee
Jim DevineTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$18,468,691
Investment Income
$496,488
Other Revenue
$476,184
Change in Net Assets
$564,859

Audited Revenue Reconciliation

Revenue per Audited Statements
$19,441,363
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$378,690
Total Revenue per Audited Statements
$19,820,053
Total Revenue per Form 990
$19,441,363
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$11,828,830
Salaries, Compensation, and Employee Benefits$7,047,674
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,624,366
Office Expenses---$3,648,957
Other Employee Benefits---$1,386,401
Fees for Services Other---$1,162,933
Depreciation Depletion---$808,040
Advertising---$561,327
Occupancy---$502,237
Payroll Taxes---$423,647
Current Officers, Directors, Trustees, and Key Employees---$361,260
Pension Plan Contributions---$252,000
Travel---$132,591
Fees for Services Accounting---$50,400
Other Expenses---$46,060
All Other Expenses---$28,180
Fees for Services Legal---$12,293
Total Functional Expenses$0$0$0$18,876,504

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$18,962,030
Expenses per Audited Statements$18,876,504
Total Expenses per Form 990$18,876,504
Expenses Not Reported on Form 990$85,526
Expenses Not Reported on Financial Statements$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$292,934,959
Dividends Payable$197,381
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
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, 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
Gcs Credit Union
EIN
37-0646488
Phone
6187977993
Address
3970 MARYVILLE ROAD, GRANITE CITY, IL 62040

Signing Officer

Name
Keith Burton
Title
President
Phone
6187977993
Signed
2019-05-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Keith Burton
Formed
1941
Legal Domicile
Il
Voting Board Members
16
Independent Board Members
16
Employees
159
Volunteers
0

Preparer

Firm
Cliftonlarsonallen Llp
Address
1 BRONZE POINTE, BELLEVILLE, IL 62226
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, 2018 and 2017. The credit union's 2015 through 2017 tax years are open for examination by federal and state taxing authorities.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Interest reclassification 85,526.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Interest reclassification 85,526.”

Raw XML AppendixShowing 400 of 511 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/Form990PartVIISectionAGrp/TitleTxt0CREDIT COMMITTEE
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IRS990/Form990PartVIISectionAGrp/TitleTxt3CREDIT COMMITTEE
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IRS990/Form990PartVIISectionAGrp/TitleTxt12SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt13SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt14SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt15BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt16PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt17CHIEF FINANCIAL OFFICER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01941
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt016
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt019441363
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt016
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InvestmentIncomeGrp/ExclusionAmt0496488
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0496488
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01222333
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01382133
IRS990/InvestmentsPubTradedSecGrp/BOYAmt035410
IRS990/InvestmentsPubTradedSecGrp/EOYAmt024868
IRS990/IRPDocumentCnt05217
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt013071612
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06718385
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06363217
IRS990/LandBldgEquipCostOrOtherBssAmt019434829
IRS990/LegalDomicileStateCd0IL
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/BOYAmt05000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt010000000
IRS990/NetAssetsOrFundBalancesBOYAmt039650649
IRS990/NetAssetsOrFundBalancesEOYAmt040508672
IRS990/NetUnrelatedBusTxblIncmAmt010667
IRS990/NetUnrlzdGainsLossesInvstAmt0293164
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0502237
IRS990/OfficeExpensesGrp/TotalAmt03648957
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt017223489
IRS990/OtherAssetsTotalGrp/EOYAmt017364507
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01386401
IRS990/OtherExpensesGrp/Desc0UBIT
IRS990/OtherExpensesGrp/Desc1ALLOWANCE FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2DIVIDENDS ON ACCOUNTS
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt05713
IRS990/OtherExpensesGrp/TotalAmt13210315
IRS990/OtherExpensesGrp/TotalAmt21659784
IRS990/OtherExpensesGrp/TotalAmt346060
IRS990/OtherLiabilitiesGrp/BOYAmt0281637144
IRS990/OtherLiabilitiesGrp/EOYAmt0293132340
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/Desc1OTHER INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0448626
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt127558
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0448626
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt127558
IRS990/OtherRevenueTotalAmt0476184
IRS990/OtherSalariesAndWagesGrp/TotalAmt04624366
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0296071375
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0284043962
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0423647
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0252000
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0KEITH BURTON
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST-MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt014049257
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12367684
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21991095
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt014049257
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12428339
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21991095
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt060655
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0591766
IRS990/PYOtherExpensesAmt09711377
IRS990/PYOtherRevenueAmt0183965
IRS990/PYProgramServiceRevenueAmt017222671
IRS990/PYRevenuesLessExpensesAmt0829807
IRS990/PYSalariesCompEmpBnftPaidAmt07457218
IRS990/PYTotalExpensesAmt017168595
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt017998402
IRS990/ReconcilationRevenueExpnssAmt0564859
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt039650649
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt040508672
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02956545
IRS990/SavingsAndTempCashInvstGrp/EOYAmt031950659
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03784217
IRS990ScheduleD/BuildingsGrp/DepreciationAmt05670139
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09454356
IRS990ScheduleD/EquipmentGrp/BookValueAmt01061435
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07401473
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt08462908
IRS990ScheduleD/ExpensesNotReportedAmt085526
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt018876504
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01517565
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01517565
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0293164
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02898605
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt19826913
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2938989
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt33700000
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1CASH SURRENDER VALUE OF LIFE INSURANCE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2OTHER ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3SPLIT DOLLAR RECEIVABLE
IRS990ScheduleD/OtherExpensesIncludedAmt085526
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0197381
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1292934959
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DIVIDENDS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBERS SHARE DEPOSITS
IRS990ScheduleD/OtherRevenueAmt085526
IRS990ScheduleD/RevenueNotReportedAmt0378690
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt019441363
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, 2018 AND 2017. THE CREDIT UNION'S 2015 THROUGH 2017 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1INTEREST RECLASSIFICATION 85,526.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2INTEREST RECLASSIFICATION 85,526.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06363217
IRS990ScheduleD/TotalBookValueOtherAssetsAmt017364507
IRS990ScheduleD/TotalExpensesPerForm990Amt018876504
IRS990ScheduleD/TotalLiabilityAmt0293132340
IRS990ScheduleD/TotalRevenuePerForm990Amt019441363
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt019820053
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt018962030
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0197051
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1164209
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/DeferredCompensationFlngOrgAmt024479
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt116252
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt02259
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$345,209,620
Liabilities
$304,700,948
Net assets
$40,508,672
Revenue
$19,441,363
Expenses
$18,876,504
Net income
$564,859
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
2018Detailed filing. Detailed filing data is available for this year.$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