Civic Intelligence

Credit Unions Chartered in the State of Michigan Sovita Credit Union

990 • Fiscal year 2013 • EIN 38-0546210

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 06, 2014

Organization ProfileWWW.FASECU.ORG

View Organization Page

PO Box 320830Flint, MI 48532

(810) 720-8300

Siviq Scores

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

Liabilities / Assets

15th percentile

0.86x

Higher debt load relative to assets than 15% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

99th percentile

35.80x

Higher debt load relative to revenue than 99% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

45th percentile

14%

Higher net margin than 45% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

7th percentile

$207,618

Higher top officer pay than 7% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

81st percentile

8.0%

Faster asset growth than 81% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets15th percentile

Assets

Up

$363,474,516

Up $26,946,038 (+8.0%) from 2012

Net Assets

Up

$51,481,908

Up $2,054,276 (+4.2%) from 2012

Liabilities

Up

$311,992,608

Up $24,891,762 (+8.7%) from 2012

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin45th percentile

Revenue

$8,714,044

No earlier filing loaded for comparison.

Expenses

Down

$7,530,133

Down $524,387 (-6.5%) from 2012

Net Income

$1,183,911

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth81st percentile

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

$600M$400M$200M$0Assets 2010: $321,212,450Liabilities 2010: $274,163,130Net Assets 2010: $47,049,3202010Assets 2011: $327,144,529Liabilities 2011: $278,439,134Net Assets 2011: $48,705,3952011Assets 2012: $336,528,478Liabilities 2012: $287,100,846Net Assets 2012: $49,427,6322012Assets 2013: $363,474,516Liabilities 2013: $311,992,608Net Assets 2013: $51,481,9082013Assets 2014: $368,730,886Liabilities 2014: $315,880,009Net Assets 2014: $52,850,8772014Assets 2015: $381,872,139Liabilities 2015: $326,052,415Net Assets 2015: $55,819,7242015Assets 2016: $395,417,245Liabilities 2016: $337,263,451Net Assets 2016: $58,153,7942016Assets 2017: $404,291,828Liabilities 2017: $345,050,354Net Assets 2017: $59,241,4742017Assets 2018: $409,248,405Liabilities 2018: $348,906,425Net Assets 2018: $60,341,9802018Assets 2019: $436,080,346Liabilities 2019: $367,777,270Net Assets 2019: $68,303,0762019Assets 2020: $504,085,579Liabilities 2020: $429,924,519Net Assets 2020: $74,161,0602020Assets 2021: $540,162,677Liabilities 2021: $469,298,097Net Assets 2021: $70,864,5802021Assets 2022: $520,943,774Liabilities 2022: $468,965,967Net Assets 2022: $51,977,8072022Assets 2023: $508,496,724Liabilities 2023: $444,865,823Net Assets 2023: $63,630,9012023Assets 2024: $529,376,259Liabilities 2024: $455,711,137Net Assets 2024: $73,665,1222024

Highlighted filing

2013

Assets$363,474,516
Liabilities$311,992,608
Net Assets$51,481,908
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0Expenses 2010: $10,334,9112010Expenses 2011: $8,624,4802011Expenses 2012: $8,054,5202012Revenue 2013: $8,714,044Expenses 2013: $7,530,133Net Income 2013: $1,183,9112013Revenue 2014: $9,153,229Expenses 2014: $7,454,514Net Income 2014: $1,698,7152014Revenue 2015: $12,432,859Expenses 2015: $10,065,168Net Income 2015: $2,367,6912015Revenue 2016: $10,699,944Expenses 2016: $8,204,959Net Income 2016: $2,494,9852016Revenue 2017: $11,604,160Expenses 2017: $8,594,277Net Income 2017: $3,009,8832017Revenue 2018: $13,522,370Expenses 2018: $10,721,525Net Income 2018: $2,800,8452018Revenue 2019: $14,803,285Expenses 2019: $11,582,342Net Income 2019: $3,220,9432019Revenue 2020: $12,779,014Expenses 2020: $10,836,202Net Income 2020: $1,942,8122020Revenue 2021: $11,610,983Expenses 2021: $10,103,756Net Income 2021: $1,507,2272021Revenue 2022: $13,885,121Expenses 2022: $10,361,055Net Income 2022: $3,524,0662022Revenue 2023: $18,274,970Expenses 2023: $12,774,373Net Income 2023: $5,500,5972023Revenue 2024: $21,313,191Expenses 2024: $16,718,866Net Income 2024: $4,594,3252024

Highlighted filing

2013

Revenue$8,714,044
Expenses$7,530,133
Net Income$1,183,911
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 6, 2014
Return Version
2013v3.0
Gross Receipts
$84,880,346
Mission and Program Overview

Mission

To become the primary financial services provider for our members through our continual effort to exemplify courteous, reliable, comprehensive and prompt services that are competitive with the market and correspond to the needs of our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$238,083,081$259,613,820▲ $21,530,739
Other Notes and Loans Receivable, Net$60,295,200$65,533,917▲ $5,238,717
Rtn Earn Endowment Incm Other Fnds$49,427,632$51,481,908▲ $2,054,276
Savings and Temporary Cash Investments$18,107,740$21,423,737▲ $3,315,997
Land, Buildings, and Equipment, Net$5,634,604$5,444,584▼ $190,020
Cash and Non-Interest-Bearing Accounts$2,194,053$2,099,360▼ $94,693
Accounts Receivable$441,353$472,779▲ $31,426
Intangible Assets-$396,504-
Prepaid Expenses and Deferred Charges$221,590$195,436▼ $26,154
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$336,528,478$363,474,516▲ $26,946,038
Other Assets Total$11,550,857$8,294,379▼ $3,256,478
Liabilities
Other Liabilities$282,108,959$308,247,013▲ $26,138,054
Accounts Payable and Accrued Expenses$4,991,887$3,745,595▼ $1,246,292
Total Liabilities$287,100,846$311,992,608▲ $24,891,762
Net Assets / Fund Balance
Total Net Assets Fund Balance$49,427,632$51,481,908▲ $2,054,276
Total Liabilities and Net Assets / Fund Balance$336,528,478$363,474,516▲ $26,946,038

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,220,610$2,512,305$6,732,915
Equipment$271,526$2,327,766$2,599,292
Land$937,807-$937,807
Leasehold Improvements$14,641$10,249$24,890
Other Securities$84,292,830--
Compensation and Service Providers
Top Officer Pay7th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patrick J WhiteGEN'L MGR/CEO/BOARD MEMBERFT$166,630$40,988$207,618
Patrick J HagedornAssistant General Manager/COOFT$137,930$37,284$175,214

Board Members and Trustees

NameTitle
Patricia R GoochBoard President
Sam ParaschosBoard Vice-president
Joseph a EufingerBoard Member
Michael VanceBoard Member
James H BracyBoard Member (left 02/2013)
Kenneth M GreenBoard Member Emeritus
Sidney J DecouBoard Secretary
John N ClothierBoard Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv - GalaxyData Processing-$322,838
Fis (certegy)Credit Card Processing-$162,621
Fis Global (metavante)Atm & Debit Card Processing-$155,519
Cuna (members Capital Advisors)Investment Advising-$119,579
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,918,294
Investment Income
$3,765,580
Other Revenue
$30,170
Change in Net Assets
$1,183,911

Audited Revenue Reconciliation

Revenue per Audited Statements
$8,714,044
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$8,714,044
Total Revenue per Form 990
$8,714,044
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,981,399
Salaries, Compensation, and Employee Benefits$3,548,734
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,035,682
Occupancy---$611,023
Pension Plan Contributions---$515,336
Other Employee Benefits---$429,640
All Other Expenses---$402,727
Current Officers, Directors, Trustees, and Key Employees---$382,832
Office Expenses---$332,760
Depreciation Depletion---$319,318
Other Expenses---$225,000
Payroll Taxes---$185,244
Fees for Services Other---$161,233
Advertising---$139,225
Fees for Services Accounting---$100,500
Fees for Services Legal---$56,494
Insurance---$44,370
Interest---$257
Total Functional Expenses$0$0$0$7,530,133

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$7,530,133
Total Expenses per Audited Statements$7,530,133
Total Expenses per Form 990$7,530,133
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 Shares$308,247,013
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All account holders are referred to as members.”

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

“When a board member's term is up, we have an election where our membership votes, to either re-elect a director or elect a new director.”

Form 990, Part VI, Section B, Line 11

“Form 990 will be reveiwed by top management prior to filing.”

Form 990, Part VI, Section B, Line 12C

“Top officials and all employees are required to disclose any potential conflicts of interest.”

Form 990, Part VI, Section B, Line 15

“The credit union uses a compensation survey to determine the compensation of officers and top management and is approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“The organization makes its financial statements available to the public upon request.”

Filing and Contact Details

Filer

EIN
38-0546210
Phone
8107208300

Signing Officer

Name
Patrick White
Title
General Manager/CEO
Phone
8107208300
Signed
2014-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Patrick White
Formed
1934
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
6
Employees
79
Volunteers
7

Preparer

Phone
2482443000
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 2

“Began offering ad&d and life insurance programs in partnership with cuna mutual group's trustage. Began offering credit life insurance, credit disability insurance, and gap policies through cuna mutual. Began surcharging tranactions at atm's owned by the credit union.”

FORM 990, PART XI, LINE 9:

“Net change in unrealized gains on pension plan obligations 727,559. Equity acquired in business merger 3,411,500. Net change in unrealized gains on postretirement benefit obligations 242,696.”

FORM 990, PART XII, LINE 2C:

“We have a committee that assumes responsibility for the oversight of the audit of its financial statements and selection of an independent accountant. Our process has not changed from the prior year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute, from federal and state income taxes on income related to the exempt purpose of the credit union. The 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.”

Raw XML AppendixShowing 400 of 476 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/PersonNm3JAMES H BRACY
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IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER (LEFT 02/2013)
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER EMERITUS
IRS990/Form990PartVIISectionAGrp/TitleTxt7GEN'L MGR/CEO/BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9ASSISTANT GENERAL MANAGER/COO
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IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt076166302
IRS990/GrossReceiptsAmt084880346
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/TotalAmt044370
IRS990/IntangibleAssetsGrp/EOYAmt0396504
IRS990/InterestGrp/TotalAmt0257
IRS990/InvestmentIncomeGrp/ExclusionAmt03765580
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03765580
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0238083081
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0259613820
IRS990/IRPDocumentCnt07403
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04850320
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05634604
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05444584
IRS990/LandBldgEquipCostOrOtherBssAmt010294904
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt076166302
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO BECOME THE PRIMARY FINANCIAL SERVICES PROVIDER FOR OUR MEMBERS THROUGH OUR CONTINUAL EFFORT TO EXEMPLIFY COURTEOUS, RELIABLE, COMPREHENSIVE AND PROMPT SERVICES THAT ARE COMPETITIVE WITH THE MARKET AND CORRESPOND TO THE NEEDS OF OUR MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt049427632
IRS990/NetAssetsOrFundBalancesEOYAmt051481908
IRS990/NetUnrelatedBusTxblIncmAmt05367
IRS990/NetUnrlzdGainsLossesInvstAmt0-3511390
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0611023
IRS990/OfficeExpensesGrp/TotalAmt0332760
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt011550857
IRS990/OtherAssetsTotalGrp/EOYAmt08294379
IRS990/OtherChangesInNetAssetsAmt04381755
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0429640
IRS990/OtherExpensesGrp/Desc0INTEREST/DIVIDEND EXPEN
IRS990/OtherExpensesGrp/Desc1DEBIT/CREDIT CARD EXPEN
IRS990/OtherExpensesGrp/Desc2DATA PROCESSING EXPENSE
IRS990/OtherExpensesGrp/Desc3SHARE INSURANCE
IRS990/OtherExpensesGrp/TotalAmt0786040
IRS990/OtherExpensesGrp/TotalAmt1422051
IRS990/OtherExpensesGrp/TotalAmt2380401
IRS990/OtherExpensesGrp/TotalAmt3225000
IRS990/OtherLiabilitiesGrp/BOYAmt0282108959
IRS990/OtherLiabilitiesGrp/EOYAmt0308247013
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1524298
IRS990/OtherRevenueMiscGrp/Desc0ATM INCOME
IRS990/OtherRevenueMiscGrp/Desc1INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt017525
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt112645
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt017525
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt112645
IRS990/OtherRevenueTotalAmt030170
IRS990/OtherSalariesAndWagesGrp/TotalAmt02035682
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt060295200
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt065533917
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0185244
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0515336
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0221590
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0195436
IRS990/PrincipalOfficerNm0PATRICK WHITE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03464653
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11453641
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03464653
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11453641
IRS990/ProgSrvcAccomActy2Grp/Desc0REGULAR SHARE ACCOUNTS - $101,456,896.
IRS990/ProgSrvcAccomActy3Grp/Desc0CERTIFICATE OF DEPOSIT - $73,589,071.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt04312024
IRS990/PYOtherExpensesAmt04438358
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt04776760
IRS990/PYRevenuesLessExpensesAmt01034264
IRS990/PYSalariesCompEmpBnftPaidAmt03616162
IRS990/PYTotalExpensesAmt08054520
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09088784
IRS990/ReconcilationRevenueExpnssAmt01183911
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt049427632
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt051481908
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018107740
IRS990/SavingsAndTempCashInvstGrp/EOYAmt021423737
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04220610
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02512305
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06732915
IRS990ScheduleD/EquipmentGrp/BookValueAmt0271526
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02327766
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02599292
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt07530133
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0937807
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0937807
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt014641
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt010249
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt024890
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0308247013
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0175320990
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt184292830
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AVAILABLE FOR SALE
IRS990ScheduleD/OtherSecuritiesGrp/Desc1HELD TO MATURITY
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt08714044
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES ON INCOME RELATED TO THE EXEMPT PURPOSE OF THE CREDIT UNION. THE 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.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05444584
IRS990ScheduleD/TotalBookValueSecuritiesAmt0259613820
IRS990ScheduleD/TotalExpensesPerForm990Amt07530133
IRS990ScheduleD/TotalLiabilityAmt0308247013
IRS990ScheduleD/TotalRevenuePerForm990Amt08714044
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt08714044
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt07530133
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0166630
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1137930
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/DeferredCompensationFlngOrgAmt01440
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt11320
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt024974
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt121635
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt014574
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt114329
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0PATRICK J WHITE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1PATRICK J HAGEDORN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0GEN'L MGR/CEO/BOARD MEMBER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1ASSISTANT GENERAL MANAGER/COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0207618
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1175214
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BEGAN OFFERING AD&D AND LIFE INSURANCE PROGRAMS IN PARTNERSHIP WITH CUNA MUTUAL GROUP'S TRUSTAGE. BEGAN OFFERING CREDIT LIFE INSURANCE, CREDIT DISABILITY INSURANCE, AND GAP POLICIES THROUGH CUNA MUTUAL. BEGAN SURCHARGING TRANACTIONS AT ATM'S OWNED BY THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL ACCOUNT HOLDERS ARE REFERRED TO AS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2WHEN A BOARD MEMBER'S TERM IS UP, WE HAVE AN ELECTION WHERE OUR MEMBERSHIP VOTES, TO EITHER RE-ELECT A DIRECTOR OR ELECT A NEW DIRECTOR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 WILL BE REVEIWED BY TOP MANAGEMENT PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4TOP OFFICIALS AND ALL EMPLOYEES ARE REQUIRED TO DISCLOSE ANY POTENTIAL CONFLICTS OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION USES A COMPENSATION SURVEY TO DETERMINE THE COMPENSATION OF OFFICERS AND TOP MANAGEMENT AND IS APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZATION MAKES ITS FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NET CHANGE IN UNREALIZED GAINS ON PENSION PLAN OBLIGATIONS 727,559. EQUITY ACQUIRED IN BUSINESS MERGER 3,411,500. NET CHANGE IN UNREALIZED GAINS ON POSTRETIREMENT BENEFIT OBLIGATIONS 242,696.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8WE HAVE A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT ACCOUNTANT. OUR PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART III, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$363,474,516
Liabilities
$311,992,608
Net assets
$51,481,908
Revenue
$8,714,044
Expenses
$7,530,133
Net income
$1,183,911
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$529$456$73.7$21.3$16.7$4.59
2023Detailed filing. Detailed filing data is available for this year.$508$445$63.6$18.3$12.8$5.50
2022Detailed filing. Detailed filing data is available for this year.$521$469$52.0$13.9$10.4$3.52
2021Detailed filing. Detailed filing data is available for this year.$540$469$70.9$11.6$10.1$1.51
2020Detailed filing. Detailed filing data is available for this year.$504$430$74.2$12.8$10.8$1.94
2019Detailed filing. Detailed filing data is available for this year.$436$368$68.3$14.8$11.6$3.22
2018Summary only. Only limited summary data is available for this year.$409$349$60.3$13.5$10.7$2.80
2017Detailed filing. Detailed filing data is available for this year.$404$345$59.2$11.6$8.59$3.01
2016Detailed filing. Detailed filing data is available for this year.$395$337$58.2$10.7$8.20$2.49
2015Detailed filing. Detailed filing data is available for this year.$382$326$55.8$12.4$10.1$2.37
2014Detailed filing. Detailed filing data is available for this year.$369$316$52.9$9.15$7.45$1.70
2013Detailed filing. Detailed filing data is available for this year.$363$312$51.5$8.71$7.53$1.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$337$287$49.4$8.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$327$278$48.7$8.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$321$274$47.0$10.3