Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2013 • EIN 38-0703992

Jan 01, 2013 to Dec 31, 2013 • Filed on May 09, 2014

Organization ProfileWWW.ECCU1.ORG

View Organization Page

1551 South 9th StreetKalamazoo, MI 49009-9327

(269) 375-6702

Siviq Scores

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

Liabilities / Assets

68th percentile

0.91x

Higher debt load relative to assets than 68% of similar nonprofits.

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

Liabilities / Revenue

48th percentile

17.51x

Higher debt load relative to revenue than 48% of similar nonprofits.

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

Net Margin

22nd percentile

8.1%

Higher net margin than 22% of similar nonprofits.

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

Top Officer Pay

55th percentile

$388,829

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

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

Asset Growth

58th percentile

4.8%

Faster asset growth than 58% 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 / Assets68th percentile

Assets

Up

$399,969,340

Up $18,282,394 (+4.8%) from 2012

Net Assets

Up

$36,612,121

Up $714,041 (+2.0%) from 2012

Liabilities

Up

$363,357,219

Up $17,568,353 (+5.1%) from 2012

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin22nd percentile

Revenue

$20,751,000

No earlier filing loaded for comparison.

Expenses

Down

$19,064,257

Down $308,374 (-1.6%) from 2012

Net Income

$1,686,743

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth58th percentile

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

$1.0B$500M$0Assets 2010: $341,207,840Liabilities 2010: $310,323,833Net Assets 2010: $30,884,0072010Assets 2011: $356,781,658Liabilities 2011: $323,361,421Net Assets 2011: $33,420,2372011Assets 2012: $381,686,946Liabilities 2012: $345,788,866Net Assets 2012: $35,898,0802012Assets 2013: $399,969,340Liabilities 2013: $363,357,219Net Assets 2013: $36,612,1212013Assets 2014: $409,914,994Liabilities 2014: $370,538,237Net Assets 2014: $39,376,7572014Assets 2015: $428,500,083Liabilities 2015: $387,781,027Net Assets 2015: $40,719,0562015Assets 2016: $479,181,965Liabilities 2016: $435,489,370Net Assets 2016: $43,692,5952016Assets 2017: $523,721,267Liabilities 2017: $475,642,572Net Assets 2017: $48,078,6952017Assets 2018: $573,422,495Liabilities 2018: $519,302,424Net Assets 2018: $54,120,0712018Assets 2019: $655,512,242Liabilities 2019: $595,318,353Net Assets 2019: $60,193,8892019Assets 2020: $813,637,097Liabilities 2020: $748,514,447Net Assets 2020: $65,122,6502020Assets 2021: $829,123,274Liabilities 2021: $762,601,238Net Assets 2021: $66,522,0362021Assets 2022: $882,512,715Liabilities 2022: $826,775,679Net Assets 2022: $55,737,0362022Assets 2023: $969,394,713Liabilities 2023: $911,404,946Net Assets 2023: $57,989,7672023Assets 2024: $903,389,090Liabilities 2024: $837,826,457Net Assets 2024: $65,562,6332024

Highlighted filing

2013

Assets$399,969,340
Liabilities$363,357,219
Net Assets$36,612,121
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$60M$40M$20M$0Expenses 2010: $19,125,8412010Expenses 2011: $18,671,3402011Expenses 2012: $19,372,6312012Revenue 2013: $20,751,000Expenses 2013: $19,064,257Net Income 2013: $1,686,7432013Revenue 2014: $22,123,436Expenses 2014: $20,036,727Net Income 2014: $2,086,7092014Revenue 2015: $22,605,061Expenses 2015: $20,640,559Net Income 2015: $1,964,5022015Revenue 2016: $25,203,596Expenses 2016: $22,035,832Net Income 2016: $3,167,7642016Revenue 2017: $27,746,122Expenses 2017: $23,405,127Net Income 2017: $4,340,9952017Revenue 2018: $32,620,125Expenses 2018: $26,784,115Net Income 2018: $5,836,0102018Revenue 2019: $40,476,172Expenses 2019: $34,727,324Net Income 2019: $5,748,8482019Revenue 2020: $43,485,334Expenses 2020: $38,767,838Net Income 2020: $4,717,4962020Revenue 2021: $44,270,339Expenses 2021: $39,623,634Net Income 2021: $4,646,7052021Revenue 2022: $42,599,576Expenses 2022: $36,827,505Net Income 2022: $5,772,0712022Revenue 2023: $50,193,452Expenses 2023: $45,206,444Net Income 2023: $4,987,0082023Revenue 2024: $57,858,397Expenses 2024: $51,507,065Net Income 2024: $6,351,3322024

Highlighted filing

2013

Revenue$20,751,000
Expenses$19,064,257
Net Income$1,686,743
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 9, 2014
Return Version
2013v3.0
Gross Receipts
$59,030,333
Mission and Program Overview

Mission

The credit union's operations include holding deposits for and making loans to individuals who work or reside in the state of michigan.

The credit union's operations include holding deposits for and making loans to individuals who work or reside within a specific area and group in the state of michigan.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$274,259,108$286,556,643▲ $12,297,535
Investments in Publicly Traded Securities$55,858,250$58,593,288▲ $2,735,038
Rtn Earn Endowment Incm Other Fnds$35,898,080$36,612,121▲ $714,041
Cash and Non-Interest-Bearing Accounts$22,647,939$23,561,441▲ $913,502
Land, Buildings, and Equipment, Net$13,930,405$15,979,284▲ $2,048,879
Investments Other Securities$1,480,900$1,734,900▲ $254,000
Savings and Temporary Cash Investments$498,000$498,000→ $0
Prepaid Expenses and Deferred Charges$263,688$334,204▲ $70,516
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$381,686,946$399,969,340▲ $18,282,394
Other Assets Total$12,748,656$12,711,580▼ $37,076
Liabilities
Other Liabilities$311,176,918$318,871,270▲ $7,694,352
Accounts Payable and Accrued Expenses$34,611,948$44,485,949▲ $9,874,001
Total Liabilities$345,788,866$363,357,219▲ $17,568,353
Net Assets / Fund Balance
Total Net Assets Fund Balance$35,898,080$36,612,121▲ $714,041
Total Liabilities and Net Assets / Fund Balance$381,686,946$399,969,340▲ $18,282,394

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,193,592$1,822,853$12,016,445
Equipment$2,293,766$3,683,815$5,977,581
Land$3,300,047-$3,300,047
Leasehold Improvements$141,155$463,508$604,663
Other Land Buildings$50,724-$50,724
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Charles CorneliusPresident/CEOFT$260,660$128,169$388,829
Earle Shelner IiVP FinanceFT$112,620$54,677$167,297
Tamara PhelpsVP OperationsFT$103,128$48,067$151,195
Arlene HortonVP Human ResourcesFT$118,205$27,188$145,393
Christine CampVP MarketingFT$105,560$29,656$135,216
Jeffrey Deshane - Started 52013VP LoansFT$64,498$10,194$74,692
Richard Bondy - Left 31513VP LoansFT$50,945$8,911$59,856

Board Members and Trustees

NameTitle
David AubryChairman
Richard CahowVice-chairman
Jeff PowlessDirector
Kimberly RohrDirector
Robert GoodwinDirector
Barbara WinterSecretary
Arthur ParkerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Level 5 LLCConstruction-$2,323,512
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$19,140,880
Investment Income
$1,487,562
Other Revenue
$122,558
Change in Net Assets
$1,686,743

Audited Revenue Reconciliation

Revenue per Audited Statements
$20,751,000
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$138,480
Total Revenue per Audited Statements
$20,889,480
Total Revenue per Form 990
$20,751,000
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,230,747
Salaries, Compensation, and Employee Benefits$8,833,510
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,831,060
All Other Expenses---$2,286,415
Other Employee Benefits---$2,028,062
Interest---$1,890,586
Current Officers, Directors, Trustees, and Key Employees---$1,122,478
Other Expenses---$802,725
Occupancy---$752,451
Depreciation Depletion---$743,371
Office Expenses---$473,867
Payroll Taxes---$472,490
Pension Plan Contributions---$379,420
Fees for Services Other---$139,073
Insurance---$125,751
Fees for Services Accounting---$55,842
Fees for Services Legal---$26,706
Travel---$22,137
Total Functional Expenses$0$0$0$19,064,257

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$19,202,737
Expenses per Audited Statements$19,064,257
Total Expenses per Form 990$19,064,257
Expenses Not Reported on Form 990$138,480
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
Member Shares and Savings Accounts$318,871,270
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, Part VI, Section A, Line 6

“Every individual that has an account with the credit union is considered a member.”

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

“As a credit union, we have a membership that has the authority to vote for the board of directors on an annual basis. We are required to hold an annual meeting, where the membership can vote for the board of directors up for nomination.”

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

“The decisions are approved at the annual meeting. They also can review the monthly and year to date financial statements that are required to be posted in the lobby. As for day to day decisions, they do not oversee or approve actions.”

Form 990, Part VI, Section B, Line 11

“The form 990 will be provided to the organization's governing body for approval at the board of director's meeting.”

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

“All directors and employees are required to sign a policy statement annually and to submit changes during the year.”

Form 990, Part VI, Section B, Line 15

“We utilize an outside consultant, as well as industry publications to set the ranges of all individuals paid at the credit union. All salary ranges for all employees are approved by the board of directors at a regularly scheduled meeting.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents and financial statements are made available to the public upon request.”

Filing and Contact Details

Filer

EIN
38-0703992
Phone
2693756702

Signing Officer

Name
Charles Cornelius
Title
CEO
Phone
2693756702
Signed
2014-05-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Charles Cornelius
Formed
1935
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
178
Volunteers
10

Preparer

Preparer
Robert Parks CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Atm and debit card expense: total expenses 792,549. Loan servicing expense: total expenses 624,147. Miscellaneous expense: total expenses 185,760. Fraud expense: total expenses 159,485. Overdraft expense: total expenses 156,524. Management fees: total expenses 152,931. Collection expense: total expenses 63,289. Maintenance expense: total expenses 63,276. Security expense: total expenses 49,888. Subscriptions and dues expenses: total expenses 38,566.”

Form 990, Part XII, Line 2C

“There was no change in the oversight process or selection process during the tax year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute, from federal 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 condition or results of operations. The credit union's income tax filings are subject to audit by various taxing authorities and open tax periods include 2010-2013.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Loss on sale of assets 138,480.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Loss on sale of assets 138,480.”

Raw XML AppendixShowing 400 of 509 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/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP LOANS
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP LOANS
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0369676
IRS990/GainOrLossGrp/SecuritiesAmt014726
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt020780106
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt017883629
IRS990/GrossReceiptsAmt059030333
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt05
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt0125751
IRS990/InterestGrp/TotalAmt01890586
IRS990/InvestmentIncomeGrp/ExclusionAmt01103160
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01103160
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01480900
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01734900
IRS990/InvestmentsPubTradedSecGrp/BOYAmt055858250
IRS990/InvestmentsPubTradedSecGrp/EOYAmt058593288
IRS990/IRPDocumentCnt09710
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05970176
IRS990/LandBldgEquipBasisNetGrp/BOYAmt013930405
IRS990/LandBldgEquipBasisNetGrp/EOYAmt015979284
IRS990/LandBldgEquipCostOrOtherBssAmt021949460
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt020410430
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt017868903
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0312
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt0312
IRS990/MissionDesc0THE CREDIT UNION'S OPERATIONS INCLUDE HOLDING DEPOSITS FOR AND MAKING LOANS TO INDIVIDUALS WHO WORK OR RESIDE WITHIN A SPECIFIC AREA AND GROUP IN THE STATE OF MICHIGAN.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt035898080
IRS990/NetAssetsOrFundBalancesEOYAmt036612121
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0384402
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0384402
IRS990/NetUnrelatedBusTxblIncmAmt0-98690
IRS990/NetUnrlzdGainsLossesInvstAmt0-972702
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0752451
IRS990/OfficeExpensesGrp/TotalAmt0473867
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt012748656
IRS990/OtherAssetsTotalGrp/EOYAmt012711580
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02028062
IRS990/OtherExpensesGrp/Desc0CREDIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc1DATA PROCESSING AND OUT
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3EDUCATIONAL EXPENSES
IRS990/OtherExpensesGrp/TotalAmt01173680
IRS990/OtherExpensesGrp/TotalAmt1916143
IRS990/OtherExpensesGrp/TotalAmt2822000
IRS990/OtherExpensesGrp/TotalAmt3802725
IRS990/OtherLiabilitiesGrp/BOYAmt0311176918
IRS990/OtherLiabilitiesGrp/EOYAmt0318871270
IRS990/OtherRevenueMiscGrp/BusinessCd0523930
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2524298
IRS990/OtherRevenueMiscGrp/Desc0WEALTH MANAGEMENT INCOME
IRS990/OtherRevenueMiscGrp/Desc1NON-MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/Desc2WARRANTY SALES
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt047794
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt145603
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt228849
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt047794
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt145603
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt228849
IRS990/OtherRevenueTotalAmt0122558
IRS990/OtherSalariesAndWagesGrp/TotalAmt04831060
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0274259108
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0286556643
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0472490
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0379420
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0263688
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0334204
IRS990/PrincipalOfficerNm0CHARLES CORNELIUS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012922345
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt16218535
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012922345
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt16218535
IRS990/ProgSrvcAccomActy2Grp/Desc0ALLOWING MEMBERS DIRECT ACCESS TO THEIR CHECKING ACCOUNT AT MERCHANTS THROUGH OUR DEBIT CARD PROGRAM.
IRS990/ProgSrvcAccomActy3Grp/Desc0ALLOWING MEMBERS ACCESS TO OVER 21,000 ATMS THORUGHOUT THE U.S. THROUGH OUR ATM NETWORKING PROGRAM.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02146555
IRS990/PYOtherExpensesAmt010825268
IRS990/PYOtherRevenueAmt0200883
IRS990/PYProgramServiceRevenueAmt019192012
IRS990/PYRevenuesLessExpensesAmt02166819
IRS990/PYSalariesCompEmpBnftPaidAmt08547363
IRS990/PYTotalExpensesAmt019372631
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt021539450
IRS990/ReconcilationRevenueExpnssAmt01686743
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt035898080
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt036612121
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0498000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0498000
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt010193592
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01822853
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt012016445
IRS990ScheduleD/EquipmentGrp/BookValueAmt02293766
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03683815
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05977581
IRS990ScheduleD/ExpensesNotReportedAmt0138480
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt019064257
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt03300047
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03300047
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0141155
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0463508
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0604663
IRS990ScheduleD/OtherExpensesIncludedAmt0138480
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt050724
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt050724
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0318871270
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND SAVINGS ACCOUNTS
IRS990ScheduleD/OtherRevenueAmt0138480
IRS990ScheduleD/RevenueNotReportedAmt0138480
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt020751000
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL 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 CONDITION OR RESULTS OF OPERATIONS. THE CREDIT UNION'S INCOME TAX FILINGS ARE SUBJECT TO AUDIT BY VARIOUS TAXING AUTHORITIES AND OPEN TAX PERIODS INCLUDE 2010-2013.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1LOSS ON SALE OF ASSETS 138,480.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2LOSS ON SALE OF ASSETS 138,480.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt015979284
IRS990ScheduleD/TotalExpensesPerForm990Amt019064257
IRS990ScheduleD/TotalLiabilityAmt0318871270
IRS990ScheduleD/TotalRevenuePerForm990Amt020751000
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt020889480
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt019202737
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0260660
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1103128
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2112620
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount072407
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount119633
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount221903
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt019879
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt112624
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt213938
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt015336
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt115336
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt218534
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt020547
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt1474
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt2302
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CHARLES CORNELIUS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1TAMARA PHELPS

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$399,969,340
Liabilities
$363,357,219
Net assets
$36,612,121
Revenue
$20,751,000
Expenses
$19,064,257
Net income
$1,686,743
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$903$838$65.6$57.9$51.5$6.35
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$969$911$58.0$50.2$45.2$4.99
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$883$827$55.7$42.6$36.8$5.77
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$829$763$66.5$44.3$39.6$4.65
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$814$749$65.1$43.5$38.8$4.72
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$656$595$60.2$40.5$34.7$5.75
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$573$519$54.1$32.6$26.8$5.84
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$524$476$48.1$27.7$23.4$4.34
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$479$435$43.7$25.2$22.0$3.17
2015Summary only. Only limited summary data is available for this year.$429$388$40.7$22.6$20.6$1.96
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$410$371$39.4$22.1$20.0$2.09
2013Detailed filing. Detailed filing data is available for this year.$400$363$36.6$20.8$19.1$1.69
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$382$346$35.9$19.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$357$323$33.4$18.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$341$310$30.9$19.1
Peer Organizations

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