Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2016 • EIN 38-0893210

Jan 01, 2016 to Dec 31, 2016 • Filed on Sep 09, 2017

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

0.89x

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

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

36th percentile

17.05x

Higher debt load relative to revenue than 36% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

22nd percentile

7.9%

Higher net margin than 22% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

33rd percentile

$333,561

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 1.0% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

41st percentile

5.2%

Faster asset growth than 41% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

12th percentile

0.8%

Faster revenue growth than 12% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$631,710,317

Up $31,314,894 (+5.2%) from 2015

Net Assets

Up

$71,625,014

Up $2,233,471 (+3.2%) from 2015

Liabilities

Up

$560,085,303

Up $29,081,423 (+5.5%) from 2015

Revenue And Expenses
Liabilities / Revenue36th percentileNet Margin22nd percentile

Revenue

Up

$32,848,903

Up $268,664 (+0.8%) from 2015

Expenses

Up

$30,259,432

Up $638,110 (+2.2%) from 2015

Net Income

Down

$2,589,471

Down $369,446 (-12%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth41st 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

2016

Assets$631,710,317
Liabilities$560,085,303
Net Assets$71,625,014
Open 2016 Filing

Operations Trend

Revenue Growth12th 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

2016

Revenue$32,848,903
Expenses$30,259,432
Net Income$2,589,471
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Sep 9, 2017
Return Version
2016v3.0
Gross Receipts
$33,043,652
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$379,259,070$374,899,151▼ $4,359,919
Investments in Publicly Traded Securities$101,478,739$152,465,125▲ $50,986,386
Rtn Earn Endowment Incm Other Fnds$69,391,543$71,625,014▲ $2,233,471
Savings and Temporary Cash Investments$59,955,185$34,335,419▼ $25,619,766
Land, Buildings, and Equipment, Net$21,423,567$21,410,792▼ $12,775
Investments Other Securities$7,809,869$13,312,500▲ $5,502,631
Cash and Non-Interest-Bearing Accounts$8,033,854$9,074,755▲ $1,040,901
Prepaid Expenses and Deferred Charges$1,398,136$1,233,282▼ $164,854
Accounts Receivable$385,046$370,121▼ $14,925
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$600,395,423$631,710,317▲ $31,314,894
Other Assets Total$20,651,957$24,609,172▲ $3,957,215
Liabilities
Other Liabilities$522,627,914$550,963,976▲ $28,336,062
Accounts Payable and Accrued Expenses$8,375,966$9,121,327▲ $745,361
Total Liabilities$531,003,880$560,085,303▲ $29,081,423
Net Assets / Fund Balance
Total Net Assets Fund Balance$69,391,543$71,625,014▲ $2,233,471
Total Liabilities and Net Assets / Fund Balance$600,395,423$631,710,317▲ $31,314,894

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$14,831,665$4,632,194$19,463,859
Equipment$2,869,321$6,386,736$9,256,057
Land$3,709,806-$3,709,806
Compensation and Service Providers
Top Officer Pay33rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patrick SpykeCEOFT$268,770$64,791$333,561
Robin FrucciCEOFT$165,369$36,205$201,574
Brian WixsonCIOFT$128,114$42,195$170,309
Tamela McphersonCFOFT$136,286$27,271$163,557
Sharon GillisonSVP-human ResourcesFT$128,316$31,008$159,324
Donald KillianControllerFT$114,051$40,231$154,282
Nassim FrangleVP CollectionsFT$102,381$12,363$114,744

Board Members and Trustees

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

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu Cooperative Systems INCAtm & Card Processing9692 HAVEN AVE, Rancho Cucamonga, CA 91730$1,340,692
Member Driven TechnologiesCore System Platform7415 CHICAGO ROAD, Warren, MI 48092$1,193,990
PscuCredit Processing560 CARILLON PARKWAY, St Petersburg, FL 33716$673,647
Smith And Johnson AttorneyLegal ServicesPO BOX 705, Traverse City, MI 49685$631,529
Informa Business Systems INCItm & Atm Sales And Service5170 HARTSHORN DRIVE, Flushing, MI 48433$601,454
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$28,875,087
Investment Income
$2,455,059
Other Revenue
$1,518,757
Change in Net Assets
$2,589,471

Audited Revenue Reconciliation

Revenue per Audited Statements
$32,848,903
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$32,848,903
Total Revenue per Form 990
$32,848,903
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,643,391
Salaries, Compensation, and Employee Benefits$13,616,041
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,087,072
Interest---$2,237,469
Other Employee Benefits---$1,999,976
Information Technology---$1,767,372
Office Expenses---$1,330,398
Depreciation Depletion---$1,171,522
Pension Plan Contributions---$1,054,597
Other Expenses---$1,051,479
Advertising---$801,371
Payroll Taxes---$775,704
Current Officers, Directors, Trustees, and Key Employees---$698,692
Occupancy---$634,930
All Other Expenses---$377,203
Fees for Services Accounting---$265,220
Conferences and Meetings---$172,822
Insurance---$124,838
Fees for Services Other---$116,541
Payments to Affiliates---$71,528
Fees for Services Management---$53,355
Fees for Services Legal---$47,069
Travel---$46,880
Fees for Service Investment Mgmnt Fees---$360
Total Functional Expenses$0$0$0$30,259,432

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$30,259,432
Total Expenses per Audited Statements$30,259,432
Total Expenses per Form 990$30,259,432
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$550,963,976
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

“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 A, Line 7B

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11B

“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

“An independent compensation database is used comprised of salary comparisons throughout the region of similarly asset sized financial institutions. Pro ratio measures are compared to market to determine where current salaries align. Recommendations for salary adjustments are made by hr to the appropriate decision makers, based on where the salary aligns and performance evaluation of the individual from the supervisor.”

Form 990, Part VI, Section C, Line 19

“The financial statements are available upon request. The governing documents and conflict of interest policy are not made available to the public.”

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
2017-09-09
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
172
Volunteers
17

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 -92,893. Reclassification adjustment for pension amort. Exp included in net earnings -142,237.”

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, 2013.”

Raw XML AppendixShowing 400 of 578 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/PersonNm9PATRICK SPYKE
IRS990/Form990PartVIISectionAGrp/PersonNm10TAMELA MCPHERSON
IRS990/Form990PartVIISectionAGrp/PersonNm11BRIAN WIXSON
IRS990/Form990PartVIISectionAGrp/PersonNm12DONALD KILLIAN
IRS990/Form990PartVIISectionAGrp/PersonNm13SHARON GILLISON
IRS990/Form990PartVIISectionAGrp/PersonNm14NASSIM FRANGLE
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13134581
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IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD SECRETARY
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IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP-HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP COLLECTIONS
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IRS990/InfoInScheduleOPartXIInd0X
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IRS990/InsuranceGrp/TotalAmt0124838
IRS990/InterestGrp/TotalAmt02237469
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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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt071625014
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt051651
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt051651
IRS990/NetUnrelatedBusTxblIncmAmt0-377
IRS990/NetUnrlzdGainsLossesInvstAmt0-120870
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0634930
IRS990/OfficeExpensesGrp/TotalAmt01330398
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt020651957
IRS990/OtherAssetsTotalGrp/EOYAmt024609172
IRS990/OtherChangesInNetAssetsAmt0-235130
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01999976
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT AND CREDIT CARD E
IRS990/OtherExpensesGrp/Desc2MAINTENANCE
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt03059100
IRS990/OtherExpensesGrp/TotalAmt12104905
IRS990/OtherExpensesGrp/TotalAmt21209029
IRS990/OtherExpensesGrp/TotalAmt31051479
IRS990/OtherLiabilitiesGrp/BOYAmt0522627914
IRS990/OtherLiabilitiesGrp/EOYAmt0550963976
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/Desc0EQUITY IN EARNINGS OF CUSO'S
IRS990/OtherRevenueMiscGrp/Desc1NON-MEMBER ATM
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01424930
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01424930
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt193827
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt093827
IRS990/OtherRevenueTotalAmt01518757
IRS990/OtherSalariesAndWagesGrp/TotalAmt09087072
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0379259070
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0374899151
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt071528
IRS990/PayrollTaxesGrp/TotalAmt0775704
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01054597
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01398136
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01233282
IRS990/PrincipalOfficerNm0PATRICK SPYKE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt19651201
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt019223886
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt19651201
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/PYOtherExpensesAmt016084444
IRS990/PYOtherRevenueAmt01842594
IRS990/PYProgramServiceRevenueAmt028902043
IRS990/PYRevenuesLessExpensesAmt02958917
IRS990/PYSalariesCompEmpBnftPaidAmt013536878
IRS990/PYTotalExpensesAmt029621322
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt032580239
IRS990/ReconcilationRevenueExpnssAmt02589471
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
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IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt071625014
IRS990/SavingsAndTempCashInvstGrp/BOYAmt059955185
IRS990/SavingsAndTempCashInvstGrp/EOYAmt034335419
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt014831665
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04632194
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt019463859
IRS990ScheduleD/EquipmentGrp/BookValueAmt02869321
IRS990ScheduleD/EquipmentGrp/DepreciationAmt06386736
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt09256057
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt030259432
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt03709806
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03709806
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0550963976
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER'S SHARES
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IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt032848903
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, 2013.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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IRS990ScheduleD/TotalLiabilityAmt0550963976
IRS990ScheduleD/TotalRevenuePerForm990Amt032848903
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IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt030259432
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1268770
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2136286
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3128114
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4114051
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5128316
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount016073
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount19113
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount26791
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount36437
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount45954
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount56265
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt50

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$631,710,317
Liabilities
$560,085,303
Net assets
$71,625,014
Revenue
$32,848,903
Expenses
$30,259,432
Net income
$2,589,471
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