Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2015 • EIN 38-0893210

Jan 01, 2015 to Dec 31, 2015 • Filed on Aug 19, 2016

Organization ProfileWWW.LAFCU.COM

View Organization Page

106 N Marketplace BoulevardLansing, MI 48917

(517) 622-6600

Siviq Scores

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

Liabilities / Assets

38th percentile

0.88x

Higher debt load relative to assets than 38% of similar nonprofits.

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

Liabilities / Revenue

30th percentile

16.30x

Higher debt load relative to revenue than 30% of similar nonprofits.

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

Net Margin

28th percentile

9.1%

Higher net margin than 28% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2015

Asset Growth

37th percentile

4.6%

Faster asset growth than 37% of similar nonprofits.

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

Revenue Growth

68th percentile

8.4%

Faster revenue growth than 68% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$600,395,423

Up $26,580,716 (+4.6%) from 2014

Net Assets

Up

$69,391,543

Up $1,723,647 (+2.5%) from 2014

Liabilities

Up

$531,003,880

Up $24,857,069 (+4.9%) from 2014

Revenue And Expenses
Liabilities / Revenue30th percentileNet Margin28th percentile

Revenue

Up

$32,580,239

Up $2,536,011 (+8.4%) from 2014

Expenses

Up

$29,621,322

Up $2,319,412 (+8.5%) from 2014

Net Income

Up

$2,958,917

Up $216,599 (+7.9%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth37th percentile

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

$1.5B$1.0B$500M$0Assets 2013: $560,969,173Liabilities 2013: $495,741,150Net Assets 2013: $65,228,0232013Assets 2014: $573,814,707Liabilities 2014: $506,146,811Net Assets 2014: $67,667,8962014Assets 2015: $600,395,423Liabilities 2015: $531,003,880Net Assets 2015: $69,391,5432015Assets 2016: $631,710,317Liabilities 2016: $560,085,303Net Assets 2016: $71,625,0142016Assets 2017: $644,654,560Liabilities 2017: $570,875,044Net Assets 2017: $73,779,5162017Assets 2018: $693,824,120Liabilities 2018: $614,470,237Net Assets 2018: $79,353,8832018Assets 2019: $746,558,780Liabilities 2019: $658,694,389Net Assets 2019: $87,864,3912019Assets 2020: $848,413,090Liabilities 2020: $754,878,495Net Assets 2020: $93,534,5952020Assets 2021: $943,734,939Liabilities 2021: $840,679,903Net Assets 2021: $103,055,0362021Assets 2022: $986,262,376Liabilities 2022: $883,830,199Net Assets 2022: $102,432,1772022Assets 2023: $1,029,416,440Liabilities 2023: $924,112,202Net Assets 2023: $105,304,2382023Assets 2024: $1,129,173,408Liabilities 2024: $915,774,042Net Assets 2024: $213,399,3662024

Highlighted filing

2015

Assets$600,395,423
Liabilities$531,003,880
Net Assets$69,391,543
Open 2015 Filing

Operations Trend

Revenue Growth68th percentile

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

$200M$150M$100M$50M$0Revenue 2013: $26,858,934Expenses 2013: $24,594,687Net Income 2013: $2,264,2472013Revenue 2014: $30,044,228Expenses 2014: $27,301,910Net Income 2014: $2,742,3182014Revenue 2015: $32,580,239Expenses 2015: $29,621,322Net Income 2015: $2,958,9172015Revenue 2016: $32,848,903Expenses 2016: $30,259,432Net Income 2016: $2,589,4712016Revenue 2017: $33,764,503Expenses 2017: $30,764,927Net Income 2017: $2,999,5762017Revenue 2018: $38,286,566Expenses 2018: $32,982,472Net Income 2018: $5,304,0942018Revenue 2019: $43,479,866Expenses 2019: $35,430,696Net Income 2019: $8,049,1702019Revenue 2020: $44,633,555Expenses 2020: $37,978,336Net Income 2020: $6,655,2192020Revenue 2021: $46,684,897Expenses 2021: $37,007,507Net Income 2021: $9,677,3902021Revenue 2022: $51,596,579Expenses 2022: $43,349,555Net Income 2022: $8,247,0242022Revenue 2023: $64,543,625Expenses 2023: $57,206,143Net Income 2023: $7,337,4822023Revenue 2024: $177,489,649Expenses 2024: $69,496,099Net Income 2024: $107,993,5502024

Highlighted filing

2015

Revenue$32,580,239
Expenses$29,621,322
Net Income$2,958,917
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 19, 2016
Return Version
2015v2.1
Gross Receipts
$102,633,393
Mission and Program Overview

Mission

While promoting the credit union philosophy, we are committed to providing financial services for the changing needs of our members and helping them obtain personal financial security.

Cooperative financial institution - credit union providing loans and savings products and services to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$346,873,916$379,259,070▲ $32,385,154
Investments Other Securities$139,978,695$109,288,608▼ $30,690,087
Rtn Earn Endowment Incm Other Fnds$67,667,896$69,391,543▲ $1,723,647
Savings and Temporary Cash Investments$36,741,827$59,955,185▲ $23,213,358
Land, Buildings, and Equipment, Net$20,433,585$21,423,567▲ $989,982
Cash and Non-Interest-Bearing Accounts$8,889,551$8,033,854▼ $855,697
Prepaid Expenses and Deferred Charges$1,158,334$1,398,136▲ $239,802
Accounts Receivable$569,929$385,046▼ $184,883
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$573,814,707$600,395,423▲ $26,580,716
Other Assets Total$19,168,870$20,651,957▲ $1,483,087
Liabilities
Other Liabilities$493,209,306$522,627,914▲ $29,418,608
Accounts Payable and Accrued Expenses$12,937,505$8,375,966▼ $4,561,539
Total Liabilities$506,146,811$531,003,880▲ $24,857,069
Net Assets / Fund Balance
Total Net Assets Fund Balance$67,667,896$69,391,543▲ $1,723,647
Total Liabilities and Net Assets / Fund Balance$573,814,707$600,395,423▲ $26,580,716

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$14,105,002$4,193,444$18,298,446
Equipment$2,800,516$7,029,544$9,830,060
Land$4,518,049-$4,518,049
Other Securities$483,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robin FrucciCEOFT$324,626$69,888$394,514
Patrick SpykeEvpFT$178,370$51,768$230,138
Brian WixsonCIOFT$125,155$45,187$170,342
Tamela McphersonCFOFT$133,304$28,728$162,032
Donald KillianControllerFT$112,714$43,775$156,489
Sharon GillisonSVP-human ResourcesFT$122,682$26,619$149,301
Nassim FrangleSenior Team CollectionsFT$102,144$17,397$119,541

Board Members and Trustees

NameTitle
Harold FosterBoard President
Melvin PlaceBoard Vice-president
John LewisBoard Member
Paulette WarrenBoard Member
Tom CulpepperBoard Member
Tom MartinsonBoard Secretary
Jere AuvenshineBoard Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu Cooperative Systems INCAtm & Card Processing9692 HAVEN AVE, Rancho Cucamonga, CA 91730$1,104,464
PscuCredit Processing560 CARILLON PARKWAY, St Petersburg, FL 33716$648,027
Sentinel Technologies INCNetwork Services2550 WARRENVILLE ROAD, Downers Grove, IL 60515$546,584
Member Driven TechnologiesCore System Platform7415 CHICAGO ROAD, Warren, MI 48092$449,553
Harmon Management LLCConstruction417 COPPERSMITH DRIVE, Mason, MI 48854$427,729
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$28,902,043
Investment Income
$1,835,602
Other Revenue
$1,842,594
Change in Net Assets
$2,958,917

Audited Revenue Reconciliation

Revenue per Audited Statements
$32,580,239
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$32,580,239
Total Revenue per Form 990
$32,580,239
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,084,444
Salaries, Compensation, and Employee Benefits$13,536,878
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$8,402,753
All Other Expenses---$2,407,787
Other Employee Benefits---$1,771,921
Current Officers, Directors, Trustees, and Key Employees---$1,504,864
Office Expenses---$1,493,568
Occupancy---$1,263,018
Pension Plan Contributions---$1,105,394
Depreciation Depletion---$956,192
Other Expenses---$951,113
Advertising---$835,389
Payroll Taxes---$751,946
Travel---$244,510
Interest---$170,690
Fees for Services Accounting---$143,001
Insurance---$119,167
Fees for Services Other---$61,202
Fees for Services Legal---$28,487
Total Functional Expenses$0$0$0$29,621,322

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$29,621,322
Total Expenses per Audited Statements$29,621,322
Total Expenses per Form 990$29,621,322
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
MEMBER'S SHARES$522,627,914
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

“The credit union membership elects the board of directors which govern the operations of the credit union.”

Form 990, Part VI, Section B, Line 11

“The ceo and cfo will review the 990 prior to filing.”

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

“Annual disclosure statements are completed.”

Form 990, Part VI, Section B, Line 15

“Annual wage and benefit compensation comparisons are obtained from independent third parties. The ceo has an annual review by the board of directors. Key employees have an annual review by the ceo.”

Form 990, Part VI, Section C, Line 19

“The financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Lafcu
EIN
38-0893210
Phone
5176226600
Address
106 N MARKETPLACE BOULEVARD, LANSING, MI 48917

Signing Officer

Name
Patrick Spyke
Title
CEO
Phone
5176226600
Signed
2016-08-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Patrick Spyke
Formed
1936
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
170
Volunteers
20

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Robert Parks CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net unrealized losses on postretirement benefits -738,016.”

FORM 990, PART XII, LINE 2C:

“The organization has a committee that assumes responsibility for the oversight of the audit of its financial statements and the selection of an independent accountant. This process has not changed from previous years.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute, from federal and state income taxes. 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 remains subject to examination for income tax returns for years ending after december 31, 2012.”

Raw XML AppendixShowing 400 of 560 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/TitleTxt0BOARD PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt10CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP-HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt13SENIOR TEAM COLLECTIONS
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IRS990/GrantToRelatedPersonInd00
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IRS990/InfoInScheduleOPartXIIInd0X
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IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WHILE PROMOTING THE CREDIT UNION PHILOSOPHY, WE ARE COMMITTED TO PROVIDING FINANCIAL SERVICES FOR THE CHANGING NEEDS OF OUR MEMBERS AND HELPING THEM OBTAIN PERSONAL FINANCIAL SECURITY.
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IRS990/OfficeExpensesGrp/TotalAmt01493568
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IRS990/OperateHospitalInd00
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IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt019168870
IRS990/OtherAssetsTotalGrp/EOYAmt020651957
IRS990/OtherChangesInNetAssetsAmt0-738016
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01771921
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1INTEREST AND DIVIDEND E
IRS990/OtherExpensesGrp/Desc2DEBIT AND CREDIT CARD E
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt03663300
IRS990/OtherExpensesGrp/TotalAmt12185030
IRS990/OtherExpensesGrp/TotalAmt21561990
IRS990/OtherExpensesGrp/TotalAmt3951113
IRS990/OtherLiabilitiesGrp/BOYAmt0493209306
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IRS990/OtherRevenueMiscGrp/BusinessCd0522100
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IRS990/OtherRevenueMiscGrp/Desc0EQUITY IN EARNINGS OF CUSO'S
IRS990/OtherRevenueMiscGrp/Desc1NON-MEMBER ATM
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01767891
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01767891
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt174703
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt074703
IRS990/OtherRevenueTotalAmt01842594
IRS990/OtherSalariesAndWagesGrp/TotalAmt08402753
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0346873916
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0379259070
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0751946
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01105394
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01158334
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01398136
IRS990/PrincipalOfficerNm0PATRICK SPYKE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt19246884
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt019655159
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt19246884
IRS990/ProgSrvcAccomActy2Grp/Desc0LENDING PRODUCTS - LOAN STAFFING AND SUPPORT SERVICES, COLLECTION STAFFING.
IRS990/ProgSrvcAccomActy3Grp/Desc0CASH OPERATIONS - 50% BRANCH OPERATIONS, SUPPORT SERVICES - ACCOUNTING.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
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IRS990/PYOtherRevenueAmt0685100
IRS990/PYProgramServiceRevenueAmt027341243
IRS990/PYRevenuesLessExpensesAmt02742318
IRS990/PYSalariesCompEmpBnftPaidAmt012991789
IRS990/PYTotalExpensesAmt027301910
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt030044228
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IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
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IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt036741827
IRS990/SavingsAndTempCashInvstGrp/EOYAmt059955185
IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt04193444
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt018298446
IRS990ScheduleD/EquipmentGrp/BookValueAmt02800516
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07029544
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt09830060
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
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IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt04518049
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04518049
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0522627914
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER'S SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt097685959
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt13792780
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt27326869
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3483000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AVAILABLE FOR SALE
IRS990ScheduleD/OtherSecuritiesGrp/Desc1HELD TO MATURITY
IRS990ScheduleD/OtherSecuritiesGrp/Desc2INVESTMENT IN CUSO'S
IRS990ScheduleD/OtherSecuritiesGrp/Desc3FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
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IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
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IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt032580239
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES. 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 REMAINS SUBJECT TO EXAMINATION FOR INCOME TAX RETURNS FOR YEARS ENDING AFTER DECEMBER 31, 2012.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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IRS990ScheduleD/TotalBookValueSecuritiesAmt0109288608
IRS990ScheduleD/TotalExpensesPerForm990Amt029621322
IRS990ScheduleD/TotalLiabilityAmt0522627914
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IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
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IRS990ScheduleJ/CompensationSurveyInd0X
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1178370
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2133304
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3125155
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4112714
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount014509
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount26270
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount36030
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount45641
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$600,395,423
Liabilities
$531,003,880
Net assets
$69,391,543
Revenue
$32,580,239
Expenses
$29,621,322
Net income
$2,958,917
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,129$916$213$177$69.5$108
2023Detailed filing. Detailed filing data is available for this year.$1,029$924$105$64.5$57.2$7.34
2022Detailed filing. Detailed filing data is available for this year.$986$884$102$51.6$43.3$8.25
2021Detailed filing. Detailed filing data is available for this year.$944$841$103$46.7$37.0$9.68
2020Detailed filing. Detailed filing data is available for this year.$848$755$93.5$44.6$38.0$6.66
2019Detailed filing. Detailed filing data is available for this year.$747$659$87.9$43.5$35.4$8.05
2018Detailed filing. Detailed filing data is available for this year.$694$614$79.4$38.3$33.0$5.30
2017Detailed filing. Detailed filing data is available for this year.$645$571$73.8$33.8$30.8$3.00
2016Detailed filing. Detailed filing data is available for this year.$632$560$71.6$32.8$30.3$2.59
2015Detailed filing. Detailed filing data is available for this year.$600$531$69.4$32.6$29.6$2.96
2014Detailed filing. Detailed filing data is available for this year.$574$506$67.7$30.0$27.3$2.74
2013Detailed filing. Detailed filing data is available for this year.$561$496$65.2$26.9$24.6$2.26