Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2012 • EIN 38-0536242

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 08, 2013

Organization ProfileWWW.CUONE.ORG

View Organization Page

400 E Nine Mile48220
Siviq Scores

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

Liabilities / Assets

83rd percentile

0.92x

Higher debt load relative to assets than 83% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

35th percentile

4.0%

Faster asset growth than 35% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Up

$772,795,502

Up $29,491,322 (+4.0%) from 2011

Net Assets

Up

$63,381,547

Up $8,020,176 (+14%) from 2011

Liabilities

Up

$709,413,955

Up $21,471,146 (+3.1%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$34,307,942

Down $5,007,615 (-13%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth35th percentile

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

$2.0B$1.5B$1.0B$500M$0Assets 2010: $727,369,600Liabilities 2010: $678,142,106Net Assets 2010: $49,227,4942010Assets 2011: $743,304,180Liabilities 2011: $687,942,809Net Assets 2011: $55,361,3712011Assets 2012: $772,795,502Liabilities 2012: $709,413,955Net Assets 2012: $63,381,5472012Assets 2013: $821,636,173Liabilities 2013: $748,487,725Net Assets 2013: $73,148,4482013Assets 2014: $850,302,557Liabilities 2014: $768,321,329Net Assets 2014: $81,981,2282014Assets 2015: $1,023,387,544Liabilities 2015: $931,188,645Net Assets 2015: $92,198,8992015Assets 2016: $1,089,661,350Liabilities 2016: $995,991,389Net Assets 2016: $93,669,9612016Assets 2017: $1,144,823,806Liabilities 2017: $1,045,558,385Net Assets 2017: $99,265,4212017Assets 2018: $1,190,826,264Liabilities 2018: $1,082,001,378Net Assets 2018: $108,824,8862018Assets 2019: $1,490,291,033Liabilities 2019: $1,368,363,980Net Assets 2019: $121,927,0532019Assets 2020: $1,659,764,690Liabilities 2020: $1,528,933,592Net Assets 2020: $130,831,0982020Assets 2021: $1,817,447,747Liabilities 2021: $1,681,612,519Net Assets 2021: $135,835,2282021Assets 2022: $1,758,444,493Liabilities 2022: $1,631,979,532Net Assets 2022: $126,464,9612022

Highlighted filing

2012

Assets$772,795,502
Liabilities$709,413,955
Net Assets$63,381,547
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$80M$60M$40M$20M$0Expenses 2010: $47,987,5452010Revenue 2011: $44,430,839Expenses 2011: $39,315,557Net Income 2011: $5,115,2822011Expenses 2012: $34,307,9422012Revenue 2013: $44,089,746Expenses 2013: $33,410,388Net Income 2013: $10,679,3582013Revenue 2014: $46,793,924Expenses 2014: $37,927,984Net Income 2014: $8,865,9402014Revenue 2015: $50,844,055Expenses 2015: $45,784,739Net Income 2015: $5,059,3162015Revenue 2016: $54,769,057Expenses 2016: $51,797,880Net Income 2016: $2,971,1772016Revenue 2017: $54,096,826Expenses 2017: $47,974,350Net Income 2017: $6,122,4762017Revenue 2018: $59,114,786Expenses 2018: $48,315,101Net Income 2018: $10,799,6852018Revenue 2019: $66,716,893Expenses 2019: $57,212,950Net Income 2019: $9,503,9432019Revenue 2020: $68,185,799Expenses 2020: $60,665,251Net Income 2020: $7,520,5482020Revenue 2021: $62,924,862Expenses 2021: $52,607,342Net Income 2021: $10,317,5202021Revenue 2022: $70,267,649Expenses 2022: $59,536,329Net Income 2022: $10,731,3202022

Highlighted filing

2012

Revenue-
Expenses$34,307,942
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 8, 2013
Return Version
2012v2.1
Gross Receipts
$139,540,160
Mission and Program Overview

Mission

Credit union one is committed to providing exceptional value to its members by delivering outstanding products and services anytime, anywhere.

Major Activities

Activity 2
The credit union awarded $6,000 in college scholarships to graduating high school students.
Activity 3
The credit union participated in the walk for warmth and the children's hospital walk for diabetes. We contributed $40,000 to the karmanos cancer institute.
Filing and Contact Details

Filer

EIN
38-0536242
Raw XML AppendixShowing 400 of 755 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
IRS990/AccountantCompileOrReview00
IRS990/AccountsPayableAccruedExpenses/BOY09559234
IRS990/AccountsPayableAccruedExpenses/EOY04951136
IRS990/AccountsReceivable/BOY05730919
IRS990/AccountsReceivable/EOY0984504
IRS990/ActivitiesConductedPartnership00
IRS990/Activity2/Description0THE CREDIT UNION AWARDED $6,000 IN COLLEGE SCHOLARSHIPS TO GRADUATING HIGH SCHOOL STUDENTS.
IRS990/Activity3/Description0THE CREDIT UNION PARTICIPATED IN THE WALK FOR WARMTH AND THE CHILDREN'S HOSPITAL WALK FOR DIABETES. WE CONTRIBUTED $40,000 TO THE KARMANOS CANCER INSTITUTE.
IRS990/ActivityOrMissionDescription0CREDIT UNION ONE'S PRIMARY EXEMPT PURPOSE IS TO EXEMPLIFY THE HISTORICAL CREDIT UNION PHILOSOPHY OF "PEOPLE HELPING PEOPLE". CREDIT UNION ONE ACCOMPLISHED THIS THROUGH FINANCIAL PERFORMANCE BY PAYING 1.4 MILLION IN DIVIDENDS AND INTEREST ON THE DEPOSITS HELD BY OUR 104,327 MEMBERS. WE WERE ALSO ABLE TO OFFER AND MAINTAIN COMPETITIVE LOAN RATES.IN ADDITION, WE ACCOMPLISHED OUR EXEMPT PURPOSE BY COMMUNITY INVOLVEMENT. IN 2012 WE VOLUNTEERED OUR TIME AND TALENTS TO SUPPORT THE WALK FOR WARMTH PROGRAMS AND THE CHILDREN'S HOSPITAL WALK FOR DIABETES. CREDIT UNION ONE AWARDED $6,000 IN COLLEGE SCHOLARSHIPS TO GRADUATING HIGH SCHOOL SENIORS, CONTRIBUTED FUNDS TO SUPPORT BOTH THE KARMANOS CANCER INSTITUTE'S ONCOLOGY NURSING PROGRAM FOR HIGH SCHOOL MINORITY STUDENTS, AS WELL AS OUTREACH PROGRAMS.
IRS990/AddressPrincipalOfficerUS/AddressLine10400 EAST NINE MILE ROAD
IRS990/AddressPrincipalOfficerUS/City0FERNDALE
IRS990/AddressPrincipalOfficerUS/State0MI
IRS990/AddressPrincipalOfficerUS/ZIPCode048220
IRS990/Advertising/Total01575108
IRS990/AllOtherExpenses/Total03199763
IRS990/AnnualDisclosureCoveredPersons01
IRS990/AuditCommittee01
IRS990/BenefitsPaidToMembersCY00
IRS990/BenefitsPaidToMembersPriorYear00
IRS990/BsnssRltnshpThruFamilyMember00
IRS990/BsnssRltnshpWithOrganization00
IRS990/CapStckTrstPrinCurrentFunds/BOY00
IRS990/CapStckTrstPrinCurrentFunds/EOY00
IRS990/CashNonInterestBearing/BOY025756937
IRS990/CashNonInterestBearing/EOY020584120
IRS990/ChangesToOrganizingDocs00
IRS990/CollectionsOfArt00
IRS990/CompCurrentOfficersDirectors/Total01051635
IRS990/CompensationFromOtherSources00
IRS990/CompensationProcessCEO01
IRS990/CompensationProcessOther01
IRS990/ComplianceWithBackupWitholding01
IRS990/ConferencesMeetings/Total073557
IRS990/ConflictOfInterestPolicy01
IRS990/ConservationEasements00
IRS990/ConsolidatedAuditFinancialStmt01
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine109692 HAVEN AVENUE
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine1127530 FAIRFIELD DRIVE
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine1270 E LONG LAKE ROAD
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine13616 44TH STREET SE
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine14PO BOX 535120
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City0RACHO CUCUMONGA
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City1WARREN
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City2BLOOMFIELD HILLS
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City3GRAND RAPIDS
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City4ATLANTA
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State0CA
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State1MI
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State2MI
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State3MI
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State4GA
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode091730
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode148088
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode248304
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode349548
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode430353
IRS990/ContractorCompensation/Compensation01832234
IRS990/ContractorCompensation/Compensation1471243
IRS990/ContractorCompensation/Compensation2392567
IRS990/ContractorCompensation/Compensation3299612
IRS990/ContractorCompensation/Compensation4289352
IRS990/ContractorCompensation/DescriptionOfServices0ATM/DEBIT NETWORK
IRS990/ContractorCompensation/DescriptionOfServices1CONSTRUCTION
IRS990/ContractorCompensation/DescriptionOfServices2MARKETING/ADVERTISING
IRS990/ContractorCompensation/DescriptionOfServices3MORTGAGE SERVICING
IRS990/ContractorCompensation/DescriptionOfServices4DATA PROCESSING
IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine10CO-OP NETWORK
IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine11CORRADO CONTRACTING
IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine12BERLINE
IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine13MEMBER FIRST MORTGAGE
IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine14HARLAND FINANCIAL SOLUTIONS
IRS990/ContributionsGrantsCurrentYear00
IRS990/ContributionsGrantsPriorYear00
IRS990/CreditCounseling00
IRS990/DecisionsSubjectToApproval01
IRS990/DeductibleContributionsOfArt00
IRS990/DeductibleNonCashContributions00
IRS990/DelegationOfManagementDuties00
IRS990/DepreciationDepletion/Total01631091
IRS990/DescribedIn501C300
IRS990/Description0IN 2012, THE CREDIT UNION STARTED AN INITIATIVE TO OFFER MORE AFFORDABLE LOANS TO OUR MEMBERSHIP. WE STARTED TO MAKE MORE LOANS TO SUB-PRIME BORROWERS IN ORDER TO MAKE LOANS AVAILABLE TO MEMBERS WHO MAY NOT BE ABLE TO GET A LOAN ELSEWHERE. WE ALSO CREATED A NEW TYPE OF EQUITY LOAN AVAILABLE TO THE MEMBERSHIP. THIS LOAN TYPE WAS CREATED TO MAKE LOANS AVAILABLE TO MEMBERS THAT HAVE EQUITY IN THEIR HOME AND AT A LOW INTEREST RATE. THE CREDIT UNION EXTENDED THE TERM ON AUTO LOANS TO 84 MONTHS IN ORDER TO ALLOW MEMBERS TO HAVE A MORE AFFORDABLE PAYMENT.
IRS990/DisregardedEntity00
IRS990/DocumentRetentionPolicy01
IRS990/DonorAdvisedFunds00
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers01
IRS990/EmploymentTaxReturnsFiled01
IRS990/FamilyOrBusinessRelationship00
IRS990/FederalGrantAuditRequired00
IRS990/FeesForServicesAccounting/Total0176665
IRS990/FeesForServicesLegal/Total0157391
IRS990/FeesForServicesOther/Total0612174
IRS990/ForeignActivities00
IRS990/ForeignFinancialAccount00
IRS990/ForeignOffice00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek03.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek13.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek23.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek33.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek43.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek53.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek63.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek73.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek83.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek93.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1040.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1140.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1240.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1340.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1440.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1540.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1640.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1740.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1840.00
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee0X
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee1X
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee2X
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee3X
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector7X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector8X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector9X
IRS990/Form990PartVIISectionA/NamePerson0GUADALUPE G LARA
IRS990/Form990PartVIISectionA/NamePerson1PAUL W STUART
IRS990/Form990PartVIISectionA/NamePerson2CHARLENE P AUGUSTYN
IRS990/Form990PartVIISectionA/NamePerson3JAN GILLESPIE
IRS990/Form990PartVIISectionA/NamePerson4JOAN STEFANSKI
IRS990/Form990PartVIISectionA/NamePerson5RUDOLPH R MONTANO JR
IRS990/Form990PartVIISectionA/NamePerson6DAVID C PRYBYS
IRS990/Form990PartVIISectionA/NamePerson7RAYMOND F REDMOND
IRS990/Form990PartVIISectionA/NamePerson8JUANITA M REID
IRS990/Form990PartVIISectionA/NamePerson9GAIL WESTOVER
IRS990/Form990PartVIISectionA/NamePerson10GARY MOODY
IRS990/Form990PartVIISectionA/NamePerson11STEPHEN GRECH
IRS990/Form990PartVIISectionA/NamePerson12THOMAS SCHAEFFLER
IRS990/Form990PartVIISectionA/NamePerson13DAVID SOMMERS
IRS990/Form990PartVIISectionA/NamePerson14DAVID BREUER
IRS990/Form990PartVIISectionA/NamePerson15TERRY JAGIELSKI
IRS990/Form990PartVIISectionA/NamePerson16SWAMINATHAN SEETHARAMAN
IRS990/Form990PartVIISectionA/NamePerson17MICHELLE HINSHON
IRS990/Form990PartVIISectionA/NamePerson18ERNESTA TOBIN
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/Officer2X
IRS990/Form990PartVIISectionA/Officer3X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/OtherCompensation80
IRS990/Form990PartVIISectionA/OtherCompensation90
IRS990/Form990PartVIISectionA/OtherCompensation109848
IRS990/Form990PartVIISectionA/OtherCompensation1111346
IRS990/Form990PartVIISectionA/OtherCompensation129679
IRS990/Form990PartVIISectionA/OtherCompensation1311265
IRS990/Form990PartVIISectionA/OtherCompensation141711
IRS990/Form990PartVIISectionA/OtherCompensation159545
IRS990/Form990PartVIISectionA/OtherCompensation1611225
IRS990/Form990PartVIISectionA/OtherCompensation172915
IRS990/Form990PartVIISectionA/OtherCompensation184553
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization70
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization80
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization90
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10369912
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization11214857
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization12261938
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization13162790
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization14187451
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization15269624
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization16138207
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization17152867
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization18124994
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs80
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs90
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs100
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs110
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs120
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs130
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs140
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs150
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs160
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs170
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs180
IRS990/Form990PartVIISectionA/Title0BOARD DIRECTOR
IRS990/Form990PartVIISectionA/Title1BOARD CHAIRMAN
IRS990/Form990PartVIISectionA/Title2BOARD DIRECTOR
IRS990/Form990PartVIISectionA/Title3BOARD DIRECTOR
IRS990/Form990PartVIISectionA/Title4BOARD DIRECTOR
IRS990/Form990PartVIISectionA/Title5BOARD DIRECTOR
IRS990/Form990PartVIISectionA/Title6BOARD DIRECTOR
IRS990/Form990PartVIISectionA/Title7BOARD DIRECTOR
IRS990/Form990PartVIISectionA/Title8BOARD DIRECTOR
IRS990/Form990PartVIISectionA/Title9BOARD DIRECTOR
IRS990/Form990PartVIISectionA/Title10PRESIDENT AND CEO
IRS990/Form990PartVIISectionA/Title11EVP/LENDING
IRS990/Form990PartVIISectionA/Title12EVP/COO
IRS990/Form990PartVIISectionA/Title13SVP/CFO
IRS990/Form990PartVIISectionA/Title14SVP/CIO
IRS990/Form990PartVIISectionA/Title15VP INDIRECT LENDING
IRS990/Form990PartVIISectionA/Title16SR VP MARKETING
IRS990/Form990PartVIISectionA/Title17VP OF HR
IRS990/Form990PartVIISectionA/Title18VP OF ONES FINANCIAL
IRS990/Form990ProvidedToGoverningBody00
IRS990/Form990-TFiled01
IRS990/FormersListed00
IRS990/FSAudited01
IRS990/FSAuditedBasis/FinancialStatementConsolidated0X
IRS990/FundraisingActivities00
IRS990/GainOrLoss/Other0-135270
IRS990/GainOrLoss/Securities0157897
IRS990/Gaming00
IRS990/GrantsAndSimilarAmntsCY06000
IRS990/GrantsAndSimilarAmntsPriorYear069000
IRS990/GrantsToDomesticIndividuals/Total06000
IRS990/GrantsToIndividuals01
IRS990/GrantsToOrganizations00
IRS990/GrantToRelatedPerson00
IRS990/GrossAmountSalesAssets/Other01860231
IRS990/GrossAmountSalesAssets/Securities095654711
IRS990/GrossReceipts0139540160
IRS990/GroupExemptionNumber01359
IRS990/GroupReturnForAffiliates00
IRS990/Hospital00
IRS990/IndependentAuditFinancialStmt00
IRS990/IndoorTanningServices00
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/InfoInScheduleOPartXII0X
IRS990/InformationTechnology/Total04950
IRS990/Insurance/Total0272567
IRS990/Interest/Total0174443
IRS990/InvestmentIncomeCurrentYear01571644
IRS990/InvestmentIncome/ExclusionAmount01549017
IRS990/InvestmentIncomePriorYear01809895
IRS990/InvestmentIncome/TotalRevenueColumn01549017
IRS990/InvestmentInJointVenture00
IRS990/InvestmentsOtherSecurities/BOY084540757
IRS990/InvestmentsOtherSecurities/EOY0106842053
IRS990/LandBldgEquipmentAccumDeprec019348090
IRS990/LandBuildingsEquipmentBasis045840537
IRS990/LandBuildingsEquipmentBasisNet/BOY026806343
IRS990/LandBuildingsEquipmentBasisNet/EOY026492447
IRS990/LessCostOthBasisSalesExpenses/Other01995501
IRS990/LessCostOthBasisSalesExpenses/Securities095496814
IRS990/LoanToOfficerOrDQP01
IRS990/LocalChapters01
IRS990/MaterialDiversionOrMisuse00
IRS990/MembersOrStockholders01
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees01
IRS990/MinutesOfGoverningBody01
IRS990/MiscellaneousRevenue/TotalRevenueColumn0197952
IRS990/MiscellaneousRevenue/UnrelatedBusinessRevenue0197952
IRS990/MissionDescription0CREDIT UNION ONE IS COMMITTED TO PROVIDING EXCEPTIONAL VALUE TO ITS MEMBERS BY DELIVERING OUTSTANDING PRODUCTS AND SERVICES ANYTIME, ANYWHERE.
IRS990/MoreThan5000KToIndividuals00
IRS990/MoreThan5000KToOrganizations00
IRS990/MortNotesPyblSecuredInvestProp/BOY05000000
IRS990/MortNotesPyblSecuredInvestProp/EOY05000000
IRS990/NameOfPrincipalOfficerPerson0GARY MOODY
IRS990/NbrIndependentVotingMembers010
IRS990/NbrVotingGoverningBodyMembers010
IRS990/NbrVotingMembersGoverningBody010
IRS990/NetAssetsOrFundBalancesBOY055361371
IRS990/NetAssetsOrFundBalancesEOY063381547
IRS990/NetGainOrLossInvestments/ExclusionAmount022627
IRS990/NetGainOrLossInvestments/TotalRevenueColumn022627
IRS990/NetUnrelatedBusinessTxblIncome0-253534
IRS990/NonDeductibleContributions00
IRS990/NumberFormsTransmittedWith1096015051
IRS990/NumberIndependentVotingMembers010
IRS990/NumberIndividualsGT100K011
IRS990/NumberOfContractorsGT100K022
IRS990/NumberOfEmployees0287
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total02307579
IRS990/OfficeExpenses/Total0509909
IRS990/OfficerEntityWithBsnssRltnshp00
IRS990/OfficerMailingAddress00
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY023659471
IRS990/OtherAssetsTotal/EOY018839277
IRS990/OtherEmployeeBenefits/Total0921895
IRS990/OtherExpensePriorYear025878901
IRS990/OtherExpensesCurrentYear019834051
IRS990/OtherExpenses/Description0PROVISION FOR LOAN LOSS
IRS990/OtherExpenses/Description1OFFICE OPERATIONS
IRS990/OtherExpenses/Description2DEBIT CARD EXPENSE
IRS990/OtherExpenses/Description3EQUIPMENT RENTAL & MAIN
IRS990/OtherExpenses/Total03010645
IRS990/OtherExpenses/Total12727691
IRS990/OtherExpenses/Total21602375
IRS990/OtherExpenses/Total31533797
IRS990/OtherLiabilities/BOY0673383575
IRS990/OtherLiabilities/EOY0699462819
IRS990/OtherNotesLoansReceivableNet/BOY0508765334
IRS990/OtherNotesLoansReceivableNet/EOY0562155840
IRS990/OtherRevenueCurrentYear01746254
IRS990/OtherRevenueMisc/BusinessCode0522100
IRS990/OtherRevenueMisc/BusinessCode1525990
IRS990/OtherRevenueMisc/BusinessCode2525990
IRS990/OtherRevenueMisc/Description0MISCELLANEOUS INCOME
IRS990/OtherRevenueMisc/Description1FINANCIAL SERVICES INCOME
IRS990/OtherRevenueMisc/Description2ATM INCOME
IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome0838511
IRS990/OtherRevenueMisc/TotalRevenueColumn0838511
IRS990/OtherRevenueMisc/TotalRevenueColumn1497293
IRS990/OtherRevenueMisc/TotalRevenueColumn2212498
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue0497293
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue1212498
IRS990/OtherRevenuePriorYear01576223
IRS990/OtherSalariesAndWages/Total011391964
IRS990/PaidInCapSrplsLandBldgEqpFund/BOY00
IRS990/PaidInCapSrplsLandBldgEqpFund/EOY00
IRS990/PartialLiquidation00
IRS990/PayrollTaxes/Total01102142
IRS990/PensionPlanContributions/Total0255
IRS990/PoliciesReferenceChapters01
IRS990/PoliticalActivities00
IRS990/PrepaidExpensesDeferredCharges/BOY01468556
IRS990/PrepaidExpensesDeferredCharges/EOY01386614
IRS990/ProfessionalFundraising00
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenueCY038729947
IRS990/ProgramServiceRevenue/Description0LOANS TO CU MEMBERS
IRS990/ProgramServiceRevenue/Description1PROCESSING FEES FOR MEMBER ACTIVI
IRS990/ProgramServiceRevenuePriorYear041044721
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome023965941
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome114764006
IRS990/ProgramServiceRevenue/TotalRevenueColumn023965941
IRS990/ProgramServiceRevenue/TotalRevenueColumn114764006
IRS990/ProhibitedTaxShelterTrans00
IRS990/ReceivablesFromOfficersEtc/BOY06173469
IRS990/ReceivablesFromOfficersEtc/EOY08043969
IRS990/ReconcilationOtherChanges0100362
IRS990/ReconcilationRevenueExpenses07739903
IRS990/ReconciliationUnrealizedInvest0179911
IRS990/RegularMonitoringEnforcement01
IRS990/RelatedEntity01
IRS990/RelatedOrgControlledEntity01
IRS990/ReportFin48Footnote01
IRS990/ReportInvestOthSecurities01
IRS990/ReportLandBldgEquip01
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities01
IRS990/ReportProgRelInvest00
IRS990/RetainedEarningsEndowmentEtc/BOY055361371
IRS990/RetainedEarningsEndowmentEtc/EOY063381547
IRS990/RevenuesLessExpensesCY07739903
IRS990/RevenuesLessExpensesPriorYear05115282
IRS990/SalariesEtcCurrentYear014467891
IRS990/SalariesEtcPriorYear013367656
IRS990/SavingsAndTempCashInvestments/BOY060402394
IRS990/SavingsAndTempCashInvestments/EOY027466678
IRS990/ScheduleBRequired00
IRS990ScheduleD/Buildings/BookValue018840975
IRS990ScheduleD/Buildings/Depreciation08935860
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis027776835
IRS990ScheduleD/Equipment/BookValue02269537
IRS990ScheduleD/Equipment/Depreciation09424302
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis011693839
IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE ("IRC") SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AN ISSUE FOR MANY YEARS. IN 2007, THE INTERNAL REVENUE SERVICE ("IRS") ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION'S INCOME TAX FILINGS ARE SUBJECT TO AUDIT BY VARIOUS TAXING AUTHORITIES AND OPEN TAX PERIODS INCLUDE 2009 - 2012.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0PART X, LINE 2:
IRS990ScheduleD/Land/BookValue04957418
IRS990ScheduleD/Land/OtherCostOrOtherBasis04957418
IRS990ScheduleD/LeaseholdImprovements/BookValue0131322
IRS990ScheduleD/LeaseholdImprovements/Depreciation0987928
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis01119250
IRS990ScheduleD/OtherLandBuildings/BookValue0293195
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis0293195
IRS990ScheduleD/OtherLiabilities/Amount0699462819
IRS990ScheduleD/OtherLiabilities/Description0MEMBER SHARES

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$772,795,502
Liabilities
$709,413,955
Net assets
$63,381,547
Revenue
-
Expenses
$34,307,942
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$1,758$1,632$126$70.3$59.5$10.7
2021Detailed filing. Detailed filing data is available for this year.$1,817$1,682$136$62.9$52.6$10.3
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,660$1,529$131$68.2$60.7$7.52
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,490$1,368$122$66.7$57.2$9.50
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,191$1,082$109$59.1$48.3$10.8
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,145$1,046$99.3$54.1$48.0$6.12
2016Detailed filing. Detailed filing data is available for this year.$1,090$996$93.7$54.8$51.8$2.97
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,023$931$92.2$50.8$45.8$5.06
2014Detailed filing. Detailed filing data is available for this year.$850$768$82.0$46.8$37.9$8.87
2013Detailed filing. Detailed filing data is available for this year.$822$748$73.1$44.1$33.4$10.7
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$773$709$63.4$34.3
2011Summary only. Only limited summary data is available for this year.$743$688$55.4$44.4$39.3$5.12
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$727$678$49.2$48.0
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $250M-$1B nonprofits