Civic Intelligence

Credit Unions Chartered in the State of Michigan Sovita Credit Union

990 • Fiscal year 2015 • EIN 38-0546210

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 01, 2016

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

14th percentile

0.85x

Higher debt load relative to assets than 14% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

94th percentile

26.23x

Higher debt load relative to revenue than 94% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

76th percentile

19%

Higher net margin than 76% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

13th percentile

$246,277

Higher top officer pay than 13% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

24th percentile

3.6%

Faster asset growth than 24% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

98th percentile

36%

Faster revenue growth than 98% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets14th percentile

Assets

Up

$381,872,139

Up $13,141,253 (+3.6%) from 2014

Net Assets

Up

$55,819,724

Up $2,968,847 (+5.6%) from 2014

Liabilities

Up

$326,052,415

Up $10,172,406 (+3.2%) from 2014

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin76th percentile

Revenue

Up

$12,432,859

Up $3,279,630 (+36%) from 2014

Expenses

Up

$10,065,168

Up $2,610,654 (+35%) from 2014

Net Income

Up

$2,367,691

Up $668,976 (+39%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth24th 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

2015

Assets$381,872,139
Liabilities$326,052,415
Net Assets$55,819,724
Open 2015 Filing

Operations Trend

Revenue Growth98th percentile

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

2015

Revenue$12,432,859
Expenses$10,065,168
Net Income$2,367,691
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 1, 2016
Return Version
2015v2.1
Gross Receipts
$157,400,791
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$254,941,321$260,342,776▲ $5,401,455
Other Notes and Loans Receivable, Net$70,774,285$77,216,339▲ $6,442,054
Rtn Earn Endowment Incm Other Fnds$52,850,877$55,819,724▲ $2,968,847
Savings and Temporary Cash Investments$25,523,463$19,081,507▼ $6,441,956
Land, Buildings, and Equipment, Net$5,285,318$5,096,057▼ $189,261
Cash and Non-Interest-Bearing Accounts$2,403,598$1,970,857▼ $432,741
Intangible Assets$356,854$317,203▼ $39,651
Accounts Receivable$657,100$253,818▼ $403,282
Prepaid Expenses and Deferred Charges$149,269$226,758▲ $77,489
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$368,730,886$381,872,139▲ $13,141,253
Other Assets Total$8,639,678$17,366,824▲ $8,727,146
Liabilities
Other Liabilities$310,172,907$322,986,221▲ $12,813,314
Accounts Payable and Accrued Expenses$5,707,102$3,066,194▼ $2,640,908
Total Liabilities$315,880,009$326,052,415▲ $10,172,406
Net Assets / Fund Balance
Total Net Assets Fund Balance$52,850,877$55,819,724▲ $2,968,847
Total Liabilities and Net Assets / Fund Balance$368,730,886$381,872,139▲ $13,141,253

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,929,310$2,803,605$6,732,915
Equipment$228,940$1,363,135$1,592,075
Land$937,807-$937,807
Leasehold Improvements$0$24,890$24,890
Other Securities$13,875,810--
Compensation and Service Providers
Top Officer Pay13th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patrick J WhiteGEN'L MGR/CEO/BOARD MEMBERFT$181,998$64,279$246,277
Patrick J HagedornAsst. General Manager/COOFT$150,983$49,756$200,739
Bryanna TapleyVice President OperationsFT$132,433$11,636$144,069

Board Members and Trustees

NameTitle
Patricia R GoochBoard President
Sam ParaschosBoard Vice-president
Joseph a EufingerBoard Member
Michael VanceBoard Member
Kenneth M Green Died in 2015Board Member Emeritus
Sidney J DecouBoard Secretary
John N ClothierBoard Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv - GalaxyData Processing75 REMITTANCE DR STE 1649, Chicago, IL 60675$434,893
Visa USADebit & Credit Card ProcessingPO BOX 742233, Los Angeles, CA 90074$162,536
Fis (certegy)Credit Card Processing11601 N ROOSEVELT BLVD, St Petersburg, FL 33716$153,495
Fis Global (metavante)Atm & Debit Card ProcessingPO BOX 4535, Carol Stream, IL 60197$117,353
Cuna (members Capital Advisors)Investment AdvisingPO BOX 2964, Milwaukee, WI 53201$105,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,919,043
Investment Income
$4,439,493
Other Revenue
$2,074,323
Change in Net Assets
$2,367,691

Audited Revenue Reconciliation

Revenue per Audited Statements
$12,432,859
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$12,927
Total Revenue per Audited Statements
$12,445,786
Total Revenue per Form 990
$12,432,859
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$5,808,912
Other Expenses$4,256,256
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Pension Plan Contributions---$2,271,662
Other Salaries and Wages---$2,242,753
Current Officers, Directors, Trustees, and Key Employees---$591,085
Occupancy---$565,975
Other Employee Benefits---$493,995
All Other Expenses---$490,402
Office Expenses---$384,673
Other Expenses---$264,624
Depreciation Depletion---$261,259
Advertising---$222,024
Payroll Taxes---$209,417
Fees for Services Accounting---$147,628
Fees for Service Investment Mgmnt Fees---$105,000
Insurance---$77,455
Fees for Services Other---$43,521
Fees for Services Legal---$40,027
Travel---$18,079
Interest---$658
Total Functional Expenses$0$0$0$10,065,168

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$10,078,095
Expenses per Audited Statements$10,065,168
Total Expenses per Form 990$10,065,168
Expenses Not Reported on Form 990$12,927
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 Shares$322,986,221
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 mcul and cuna compensation surveys 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

Filer Name
Credit Unions Chartered in the State of
EIN
38-0546210
Phone
8107208300
Address
PO BOX 320830, FLINT, MI 48532

Signing Officer

Name
Patrick White
Title
General Manager/CEO
Phone
8107208300
Signed
2016-11-01
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
80
Volunteers
7

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Robin D Hoag CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net change in unrealized losses on pension plan obligations 1,068,450. Net change in unrealized losses on postretirement benefit obligations 1,089,891.”

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.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“RENTAL EXPENSES 12,927.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“RENTAL EXPENSES 12,927.”

Raw XML AppendixShowing 400 of 503 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/ActivityOrMissionDesc0TO 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.
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER EMERITUS
IRS990/Form990PartVIISectionAGrp/TitleTxt6GEN'L MGR/CEO/BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE PRESIDENT OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt9ASST. GENERAL MANAGER/COO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0144955005
IRS990/GrossReceiptsAmt0157400791
IRS990/GrossRentsGrp/RealAmt09954
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/TotalAmt077455
IRS990/IntangibleAssetsGrp/BOYAmt0356854
IRS990/IntangibleAssetsGrp/EOYAmt0317203
IRS990/InterestGrp/TotalAmt0658
IRS990/InvestmentIncomeGrp/ExclusionAmt04439493
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04439493
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0254941321
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0260342776
IRS990/IRPDocumentCnt07174
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04191630
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05285318
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05096057
IRS990/LandBldgEquipCostOrOtherBssAmt09287687
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0144955005
IRS990/LessRentalExpensesGrp/RealAmt012927
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/NetAssetsOrFundBalancesBOYAmt052850877
IRS990/NetAssetsOrFundBalancesEOYAmt055819724
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0-2973
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-2973
IRS990/NetUnrelatedBusTxblIncmAmt08494
IRS990/NetUnrlzdGainsLossesInvstAmt0-1557185
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0565975
IRS990/OfficeExpensesGrp/TotalAmt0384673
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08639678
IRS990/OtherAssetsTotalGrp/EOYAmt017366824
IRS990/OtherChangesInNetAssetsAmt02158341
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0493995
IRS990/OtherExpensesGrp/Desc0INTEREST/DIVIDEND EXPEN
IRS990/OtherExpensesGrp/Desc1DATA PROCESSING EXPENSE
IRS990/OtherExpensesGrp/Desc2DEBIT/CREDIT CARD EXPEN
IRS990/OtherExpensesGrp/Desc3ATM EXPENSES
IRS990/OtherExpensesGrp/TotalAmt0687300
IRS990/OtherExpensesGrp/TotalAmt1551838
IRS990/OtherExpensesGrp/TotalAmt2395793
IRS990/OtherExpensesGrp/TotalAmt3264624
IRS990/OtherLiabilitiesGrp/BOYAmt0310172907
IRS990/OtherLiabilitiesGrp/EOYAmt0322986221
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2524298
IRS990/OtherRevenueMiscGrp/Desc0GAIN ON SETTLEMENT OF POSTRETIREM
IRS990/OtherRevenueMiscGrp/Desc1ATM INCOME
IRS990/OtherRevenueMiscGrp/Desc2INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02031327
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02031327
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt133815
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt212154
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt033815
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt112154
IRS990/OtherRevenueTotalAmt02077296
IRS990/OtherSalariesAndWagesGrp/TotalAmt02242753
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt070774285
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt077216339
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0209417
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt02271662
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0149269
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0226758
IRS990/PrincipalOfficerNm0PATRICK WHITE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03631962
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12287081
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03631962
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12287081
IRS990/ProgSrvcAccomActy2Grp/Desc0SHARE ACCOUNTS - $114,842,850.
IRS990/ProgSrvcAccomActy3Grp/Desc0CERTIFICATES OF DEPOSIT - $60,354,838.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03981904
IRS990/PYOtherExpensesAmt03718093
IRS990/PYOtherRevenueAmt044404
IRS990/PYProgramServiceRevenueAmt05126921
IRS990/PYRevenuesLessExpensesAmt01698715
IRS990/PYSalariesCompEmpBnftPaidAmt03736421
IRS990/PYTotalExpensesAmt07454514
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09153229
IRS990/ReconcilationRevenueExpnssAmt02367691
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0-2973
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt052850877
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt055819724
IRS990/SavingsAndTempCashInvstGrp/BOYAmt025523463
IRS990/SavingsAndTempCashInvstGrp/EOYAmt019081507
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03929310
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02803605
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06732915
IRS990ScheduleD/EquipmentGrp/BookValueAmt0228940
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01363135
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01592075
IRS990ScheduleD/ExpensesNotReportedAmt012927
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt010065168
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0937807
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0937807
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt024890
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt024890
IRS990ScheduleD/OtherExpensesIncludedAmt012927
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0322986221
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/OtherRevenueAmt012927
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0192955790
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt153511176
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt213875810
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AVAILABLE FOR SALE
IRS990ScheduleD/OtherSecuritiesGrp/Desc1HELD TO MATURITY
IRS990ScheduleD/OtherSecuritiesGrp/Desc2COLI
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/RevenueNotReportedAmt012927
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt012432859
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/ExplanationTxt1RENTAL EXPENSES 12,927.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2RENTAL EXPENSES 12,927.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05096057
IRS990ScheduleD/TotalBookValueSecuritiesAmt0260342776
IRS990ScheduleD/TotalExpensesPerForm990Amt010065168
IRS990ScheduleD/TotalLiabilityAmt0322986221
IRS990ScheduleD/TotalRevenuePerForm990Amt012432859
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt012445786
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt010078095
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0181998
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1150983
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount01500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount11500
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/NontaxableBenefitsFilingOrgAmt048451
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt131995
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt012888
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt114941
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$381,872,139
Liabilities
$326,052,415
Net assets
$55,819,724
Revenue
$12,432,859
Expenses
$10,065,168
Net income
$2,367,691
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $250M-$1B nonprofits