Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2016 • EIN 38-0480170

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 06, 2017

Organization ProfileWWW.DMCU.COM

View Organization Page

1480 East Jefferson AvenueDetroit, MI 48207

(313) 568-5000

Siviq Scores

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

Liabilities / Assets

7th percentile

0.80x

Higher debt load relative to assets than 7% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

85th percentile

23.01x

Higher debt load relative to revenue than 85% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

29th percentile

9.2%

Higher net margin than 29% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

7th percentile

$215,013

Higher top officer pay than 7% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

2nd percentile

-3.4%

Faster asset growth than 2% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

28th percentile

4.5%

Faster revenue growth than 28% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets7th percentile

Assets

Down

$418,481,574

Down $14,582,362 (-3.4%) from 2015

Net Assets

Up

$83,378,106

Up $1,572,430 (+1.9%) from 2015

Liabilities

Down

$335,103,468

Down $16,154,792 (-4.6%) from 2015

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin29th percentile

Revenue

Up

$14,560,919

Up $631,436 (+4.5%) from 2015

Expenses

Up

$13,216,651

Up $1,018,780 (+8.4%) from 2015

Net Income

Down

$1,344,268

Down $387,344 (-22%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

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

$600M$400M$200M$0Assets 2010: $437,430,750Liabilities 2010: $372,222,399Net Assets 2010: $65,208,3512010Assets 2011: $458,316,198Liabilities 2011: $389,332,405Net Assets 2011: $68,983,7932011Assets 2012: $442,209,812Liabilities 2012: $369,505,486Net Assets 2012: $72,704,3262012Assets 2013: $459,416,776Liabilities 2013: $382,923,346Net Assets 2013: $76,493,4302013Assets 2014: $443,847,095Liabilities 2014: $367,729,716Net Assets 2014: $76,117,3792014Assets 2015: $433,063,936Liabilities 2015: $351,258,260Net Assets 2015: $81,805,6762015Assets 2016: $418,481,574Liabilities 2016: $335,103,468Net Assets 2016: $83,378,1062016Assets 2017: $411,926,048Liabilities 2017: $327,055,542Net Assets 2017: $84,870,5062017Assets 2018: $395,174,890Liabilities 2018: $313,985,813Net Assets 2018: $81,189,0772018Assets 2019: $398,925,871Liabilities 2019: $318,409,203Net Assets 2019: $80,516,6682019Assets 2020: $460,022,963Liabilities 2020: $377,928,943Net Assets 2020: $82,094,0202020Assets 2021: $516,558,136Liabilities 2021: $430,651,759Net Assets 2021: $85,906,3772021Assets 2022: $485,865,565Liabilities 2022: $414,205,521Net Assets 2022: $71,660,0442022Assets 2023: $480,989,264Liabilities 2023: $404,637,256Net Assets 2023: $76,352,0082023Assets 2024: $498,079,169Liabilities 2024: $418,037,972Net Assets 2024: $80,041,1972024

Highlighted filing

2016

Assets$418,481,574
Liabilities$335,103,468
Net Assets$83,378,106
Open 2016 Filing

Operations Trend

Revenue Growth28th percentile

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

$40M$30M$20M$10M$0-$10MExpenses 2010: $14,200,9222010Expenses 2011: $12,534,4072011Revenue 2012: $14,274,025Expenses 2012: $10,481,385Net Income 2012: $3,792,6402012Revenue 2013: $14,270,833Expenses 2013: $11,342,847Net Income 2013: $2,927,9862013Revenue 2014: $13,609,781Expenses 2014: $12,018,785Net Income 2014: $1,590,9962014Revenue 2015: $13,929,483Expenses 2015: $12,197,871Net Income 2015: $1,731,6122015Revenue 2016: $14,560,919Expenses 2016: $13,216,651Net Income 2016: $1,344,2682016Revenue 2017: $15,490,287Expenses 2017: $13,700,315Net Income 2017: $1,789,9722017Revenue 2018: $17,727,752Expenses 2018: $15,724,360Net Income 2018: $2,003,3922018Revenue 2019: $18,402,260Expenses 2019: $17,227,482Net Income 2019: $1,174,7782019Revenue 2020: $18,122,153Expenses 2020: $16,622,227Net Income 2020: $1,499,9262020Revenue 2021: $18,643,457Expenses 2021: $16,785,083Net Income 2021: $1,858,3742021Revenue 2022: $22,003,363Expenses 2022: $20,349,378Net Income 2022: $1,653,9852022Revenue 2023: $16,731,816Expenses 2023: $25,889,308Net Income 2023: -$9,157,4922023Revenue 2024: $30,579,992Expenses 2024: $28,905,810Net Income 2024: $1,674,1822024

Highlighted filing

2016

Revenue$14,560,919
Expenses$13,216,651
Net Income$1,344,268
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 6, 2017
Return Version
2016v3.0
Gross Receipts
$14,560,919
Mission and Program Overview

Mission

To provide friendly, personal, financial services in a professional atmosphere to all members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$260,607,125$233,931,390▼ $26,675,735
Other Notes and Loans Receivable, Net$93,475,788$107,142,684▲ $13,666,896
Rtn Earn Endowment Incm Other Fnds$81,805,676$83,378,106▲ $1,572,430
Savings and Temporary Cash Investments$38,456,556$46,554,174▲ $8,097,618
Land, Buildings, and Equipment, Net$6,172,166$9,546,492▲ $3,374,326
Inventories for Sale or Use$19,598,900$8,951,109▼ $10,647,791
Cash and Non-Interest-Bearing Accounts$2,386,529$3,325,414▲ $938,885
Prepaid Expenses and Deferred Charges$2,336,868$2,411,613▲ $74,745
Investments Other Securities$606,587$572,087▼ $34,500
Receivables From Officers Etc$442,567$561,246▲ $118,679
Total Assets$433,063,936$418,481,574▼ $14,582,362
Other Assets Total$8,980,850$5,485,365▼ $3,495,485
Liabilities
Other Liabilities$335,759,958$329,016,852▼ $6,743,106
Unsecured Notes Loans Payable$10,328,967--
Accounts Payable and Accrued Expenses$5,169,335$6,086,616▲ $917,281
Total Liabilities$351,258,260$335,103,468▼ $16,154,792
Net Assets / Fund Balance
Total Net Assets Fund Balance$81,805,676$83,378,106▲ $1,572,430
Total Liabilities and Net Assets / Fund Balance$433,063,936$418,481,574▼ $14,582,362

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,940,435$4,220,363$11,160,798
Land$2,126,410-$2,126,410
Equipment$479,647$1,619,685$2,099,332
Compensation and Service Providers
Top Officer Pay7th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Kathie TrembathCEOFT$215,013$215,013
Kevin FinneranEvpFT$148,823$148,823
Monique M DunbarCOO-$58,139$58,139

Board Members and Trustees

NameTitle
Albert Patrick JrChairperson
Carl JarboeVice Chair
Bruce KennedyDirector
Janisse GreenDirector
Pamela ScalesDirector
Robert PontooDirector
Virginia SikoraDirector
Richard CarettiDirector Eme
Frank AllenSecretary
Andrew PollockTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu AnswersComp Svc Bureau6000 28TH STREET SE, 6000 28TH STREET SE, Grand Rapids, MI 49546$536,377
Co-op Financial ServicesCuso9692 HAVEN AVE, 9692 HAVEN AVE, Rancho Cucamonga, CA 91730$418,108
Holzman Corkery PllcLegal,collect'n28366 FRANKLIN ROAD, 28366 FRANKLIN ROAD, Southfield, MI 48034$187,696
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,313,662
Investment Income
$5,952,568
Other Revenue
$2,294,689
Change in Net Assets
$1,344,268

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,560,919
Total Revenue per Audited Statements
$14,560,919
Total Revenue per Form 990
$14,560,919
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,060,704
Salaries, Compensation, and Employee Benefits$5,155,947
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,624,146
Interest---$1,422,050
Pension Plan Contributions---$1,177,483
Advertising---$866,851
Other Employee Benefits---$698,539
Depreciation Depletion---$648,939
Fees for Services Other---$581,086
Occupancy---$506,054
Other Expenses---$425,830
Current Officers, Directors, Trustees, and Key Employees---$421,975
Office Expenses---$319,983
Travel---$274,357
Payroll Taxes---$233,804
Fees for Services Accounting---$164,400
Fees for Services Management---$115,986
Insurance---$58,952
Fees for Services Legal---$50,489
Fees for Service Investment Mgmnt Fees---$39,600
Total Functional Expenses$0$0$0$13,216,651

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$13,216,651
Total Expenses per Audited Statements$13,216,651
Total Expenses per Form 990$13,216,651
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$442,567$561,246▲ $118,679
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$223,312,190
Ira Accounts$60,549,579
Share Certificates$28,439,671
Draft & Christmas Club Accounts$16,715,412
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 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, Page 6, Part VI, Line 6

“A member must hold one (1) fully paid share (par value 5.00) and meet the requirements stated in the credit union's bylaws to retain membership.”

Form 990, Page 6, Part VI, Line 7A

“The organization's members (shareholders) elect the organization's governing body (directors) annually in accordance with the credit union's bylaws.”

Form 990, Page 6, Part VI, Line 7B

“Approval of the organization's members is required to change the credit union's bylaws.”

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 12C

“Officers, directors, & committee members are required to disclose annually interests that could give rise to conflicts.”

Form 990, Page 6, Part VI, Line 15A

“The process for determining compensation of the ceo includes a review and approval by the board of directors, comparability data, and contemporaneous substantiation of the deliberation and decision.”

Form 990, Page 6, Part VI, Line 15B

“The process for determining compensation of other employees includes a review and approval by the board of directors, comparability data, and contemporaneous substantiation of the deliberation and decision.”

Form 990, Page 6, Part VI, Line 19

“The bylaws and conflict of interest policy are available to the public upon request. The financial statements are posted in the credit union lobby on a monthly basis.”

Filing and Contact Details

Filer

Filer Name
Diversified Members Credit Union
EIN
38-0480170
Phone
3135685000
Address
1480 EAST JEFFERSON AVENUE, DETROIT, MI 48207

Signing Officer

Name
Kevin Finneran
Title
Evp
Phone
3135685000
Signed
2017-04-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kathie Trembath
Formed
1929
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
92

Preparer

Firm
Addison & Addison Pc
Address
20630 HARPER AVE STE 110, HARPER WOODS, MI 48225-1448
Preparer
John T Addison Ii
Phone
3138814181
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“To provide friendly, personal, financial services in a professional atmosphere to all members.”

Form 990, Part XI, Line 9

“Other comp inc - post retire emp ben 228,162”

Raw XML AppendixShowing 400 of 553 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/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
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IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
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IRS990/IRPDocumentCnt06561
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipCostOrOtherBssAmt015386540
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IRS990/MinutesOfGoverningBodyInd0true
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IRS990/OtherChangesInNetAssetsAmt0228162
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IRS990/OtherExpensesGrp/Desc0ALL OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc1SVC CTR, ATM & SH DRAFTS
IRS990/OtherExpensesGrp/Desc2PROV FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc3BUSINESS LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt0993024
IRS990/OtherExpensesGrp/TotalAmt1843103
IRS990/OtherExpensesGrp/TotalAmt2750000
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IRS990/OtherLiabilitiesGrp/BOYAmt0335759958
IRS990/OtherLiabilitiesGrp/EOYAmt0329016852
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/Desc0FEES & OTHER
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02294689
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IRS990/OtherRevenueTotalAmt02294689
IRS990/OtherSalariesAndWagesGrp/TotalAmt02624146
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt093475788
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0107142684
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0233804
IRS990/PensionPlanContributionsGrp/TotalAmt01177483
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02336868
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02411613
IRS990/PrincipalOfficerNm0KATHIE TREMBATH
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IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06313662
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06313662
IRS990/ProgSrvcAccomActyOtherGrp/Desc0TO PROVIDE FRIENDLY, PERSONAL, FINANCIAL SERVICES IN A PROFESSIONAL ATMOSPHERE TO ALL MEMBERS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt06652819
IRS990/PYOtherExpensesAmt07077029
IRS990/PYOtherRevenueAmt01918532
IRS990/PYProgramServiceRevenueAmt05358132
IRS990/PYRevenuesLessExpensesAmt01731612
IRS990/PYSalariesCompEmpBnftPaidAmt05120842
IRS990/PYTotalExpensesAmt012197871
IRS990/PYTotalRevenueAmt013929483
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0442567
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0561246
IRS990/ReconcilationRevenueExpnssAmt01344268
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt081805676
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt083378106
IRS990/SavingsAndTempCashInvstGrp/BOYAmt038456556
IRS990/SavingsAndTempCashInvstGrp/EOYAmt046554174
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt06940435
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04220363
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt011160798
IRS990ScheduleD/EquipmentGrp/BookValueAmt0479647
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01619685
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02099332
IRS990ScheduleD/ExpensesSubtotalAmt013216651
IRS990ScheduleD/LandGrp/BookValueAmt02126410
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02126410
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0223312190
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt160549579
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt228439671
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt316715412
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1IRA ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3DRAFT & CHRISTMAS CLUB ACCOUNTS
IRS990ScheduleD/RevenueSubtotalAmt014560919
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09546492
IRS990ScheduleD/TotalExpensesPerForm990Amt013216651
IRS990ScheduleD/TotalLiabilityAmt0329016852
IRS990ScheduleD/TotalRevenuePerForm990Amt014560919
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt014560919
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt013216651
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0215013
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KATHIE TREMBATH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0215013
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0119696
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt191538
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt279860
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt364727
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt437821
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt536211
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt636164
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt725224
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt825095
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt923886
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1010164
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt116325
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt124535
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd12true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd12X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0REFINANCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1HOME EQUITY LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3VEHICLE LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4BILL CONSOLIDATION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5BILL CONSOLIDATION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6BILL CONSOLIDATION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7CHARGE CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8VEHICLE LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9CHARGE CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10TAXES

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$418,481,574
Liabilities
$335,103,468
Net assets
$83,378,106
Revenue
$14,560,919
Expenses
$13,216,651
Net income
$1,344,268
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$498$418$80.0$30.6$28.9$1.67
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$481$405$76.4$16.7$25.9$9.16
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$486$414$71.7$22.0$20.3$1.65
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$517$431$85.9$18.6$16.8$1.86
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$460$378$82.1$18.1$16.6$1.50
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$399$318$80.5$18.4$17.2$1.17
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$395$314$81.2$17.7$15.7$2.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$412$327$84.9$15.5$13.7$1.79
2016Detailed filing. Detailed filing data is available for this year.$418$335$83.4$14.6$13.2$1.34
2015Detailed filing. Detailed filing data is available for this year.$433$351$81.8$13.9$12.2$1.73
2014Summary only. Only limited summary data is available for this year.$444$368$76.1$13.6$12.0$1.59
2013Detailed filing. Detailed filing data is available for this year.$459$383$76.5$14.3$11.3$2.93
2012Summary only. Only limited summary data is available for this year.$442$370$72.7$14.3$10.5$3.79
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$458$389$69.0$12.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$437$372$65.2$14.2