Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2021 • EIN 38-0893210

Jan 01, 2021 to Dec 31, 2021 • Filed on Nov 17, 2022

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

34th percentile

0.89x

Higher debt load relative to assets than 34% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Liabilities / Revenue

29th percentile

18.01x

Higher debt load relative to revenue than 29% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Net Margin

64th percentile

21%

Higher net margin than 64% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Top Officer Pay

61st percentile

$443,629

Higher top officer pay than 61% of similar nonprofits.

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

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Asset Growth

50th percentile

11%

Faster asset growth than 50% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2020 to 2021

Revenue Growth

57th percentile

4.6%

Faster revenue growth than 57% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets34th percentile

Assets

Up

$943,734,939

Up $95,321,849 (+11%) from 2020

Net Assets

Up

$103,055,036

Up $9,520,441 (+10%) from 2020

Liabilities

Up

$840,679,903

Up $85,801,408 (+11%) from 2020

Revenue And Expenses
Liabilities / Revenue29th percentileNet Margin64th percentile

Revenue

Up

$46,684,897

Up $2,051,342 (+4.6%) from 2020

Expenses

Down

$37,007,507

Down $970,829 (-2.6%) from 2020

Net Income

Up

$9,677,390

Up $3,022,171 (+45%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth50th 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

2021

Assets$943,734,939
Liabilities$840,679,903
Net Assets$103,055,036
Open 2021 Filing

Operations Trend

Revenue Growth57th 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

2021

Revenue$46,684,897
Expenses$37,007,507
Net Income$9,677,390
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Nov 17, 2022
Return Version
2021v4.2
Gross Receipts
$46,788,367
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$599,523,132$657,609,504▲ $58,086,372
Rtn Earn Endowment Incm Other Fnds$93,534,595$103,055,036▲ $9,520,441
Investments in Publicly Traded Securities$18,236,440$101,213,784▲ $82,977,344
Savings and Temporary Cash Investments$124,278,636$69,840,038▼ $54,438,598
Cash and Non-Interest-Bearing Accounts$26,927,023$43,728,490▲ $16,801,467
Land, Buildings, and Equipment, Net$19,867,609$20,165,656▲ $298,047
Investments Other Securities$24,698,807$15,672,944▼ $9,025,863
Accounts Receivable$4,261,759$2,464,181▼ $1,797,578
Prepaid Expenses and Deferred Charges$1,807,119$1,994,048▲ $186,929
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$848,413,090$943,734,939▲ $95,321,849
Other Assets Total$28,812,565$31,046,294▲ $2,233,729
Liabilities
Other Liabilities$737,414,982$822,911,375▲ $85,496,393
Accounts Payable and Accrued Expenses$12,463,513$17,768,528▲ $5,305,015
Mortgage Notes Payable Secured by Investment Property$5,000,000$0▼ $5,000,000
Total Liabilities$754,878,495$840,679,903▲ $85,801,408
Net Assets / Fund Balance
Total Net Assets Fund Balance$93,534,595$103,055,036▲ $9,520,441
Total Liabilities and Net Assets / Fund Balance$848,413,090$943,734,939▲ $95,321,849

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,375,146$6,978,530$20,353,676
Equipment$3,038,204$9,076,560$12,114,764
Land$3,752,306-$3,752,306
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patrick SpykeCEOFT$380,986$62,643$443,629
James MchaleChief Financial OfficerFT$152,330$42,008$194,338
Kelly Ellsworth-etchisonChief Marketing Ofcr./chief Diversity Ofcr.FT$165,584$25,290$190,874
Kelly Ellsworth-etchisonChief Marketing Ofcr./chief Diversit-$159,279$31,595$190,874
Jason SmithChief Lending OfficerFT$140,002$38,465$178,467
Angela RuzinskyChief Membership OfficerFT$128,376$38,654$167,030
Robyn HowellChief Human Resource OfficerFT$119,149$40,702$159,851
Emily JannerethChief Technology OfficerFT$134,260$20,037$154,297
Kimberly AustinDirector CollectionsFT$119,756$3,043$122,799

Board Members and Trustees

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

Highest Paid Contractors

ContractorServicesLocationCompensation
Informa Business Systems INCItm Equipment/service5170 HARTSHORN DR, Flushing, MI 48433$2,186,860
Cu Cooperative Systems INCCard Processing9692 HAVEN AVE, Rancho Cucamonga, CA 91730$1,828,265
MdtCore System Processing30230 ORCHARD LAKE RD, Farmington Hills, MI 48334$1,788,124
Smith & Johnson Attorneys PCLegal/collection ServicessPO BOX 705, Traverse City, MI 49685$545,934
Marquis Software Solutions INCMarketing DataPO BOX 660919 DEPT 730069, Dallas, TX 75266$371,179
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$43,377,911
Investment Income
$1,255,284
Other Revenue
$2,051,702
Change in Net Assets
$9,677,390

Audited Revenue Reconciliation

Revenue per Audited Statements
$46,684,897
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$46,684,897
Total Revenue per Form 990
$46,684,897
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,135,441
Salaries, Compensation, and Employee Benefits$14,859,066
Grants and Similar Amounts Paid$13,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,477,661
Interest---$3,994,558
Information Technology---$2,570,443
Office Expenses---$2,359,049
Other Employee Benefits---$1,952,261
Pension Plan Contributions---$1,831,611
Other Expenses---$1,637,843
Depreciation Depletion---$1,243,337
All Other Expenses---$972,561
Current Officers, Directors, Trustees, and Key Employees---$828,841
Advertising---$787,767
Payroll Taxes---$768,692
Occupancy---$427,126
Fees for Services Other---$298,946
Fees for Services Accounting---$175,566
Insurance---$140,735
Travel---$86,144
Payments to Affiliates---$73,572
Fees for Services Legal---$46,090
Grants to Domestic Individuals---$13,000
Conferences and Meetings---$355
Total Functional Expenses$0$0$0$37,007,507

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$37,007,507
Total Expenses per Audited Statements$37,007,507
Total Expenses per Form 990$37,007,507
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
Share Accounts$258,626,676
Money Market$241,651,244
Term Share and Ira Certificates$160,165,922
Share Draft$153,615,945
Ira Share Accounts$8,851,588
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 35% controlled entity
No
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
2022-11-17
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
188
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 IX, Line 11G

“Outside consulting 220,902. Is consultants 39,974. Member budget counseling 29,781. Printing & mailing services 8,289.”

Form 990, Part IX, Line 24E

“Miscellaneous 587,890. Atm expenses 195,749. Training/development/educations 188,922.”

FORM 990, PART XI, LINE 9:

“Post-retirement benefit plan gains (losses) 117,373. Reclassification adjustment for post-retirement amortization expense included in net earnings 309,096.”

FORM 990, PART XII, LINE 2C:

“The organization has a committee that assumes responsibility for the oversight of the audit of the 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. Generally, tax years from 2018 through the current year remain open to examination.”

Raw XML AppendixShowing 400 of 616 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/PersonNm1MELVIN PLACE
IRS990/Form990PartVIISectionAGrp/PersonNm2JERE AUVENSHINE
IRS990/Form990PartVIISectionAGrp/PersonNm3TOM MARTINSON
IRS990/Form990PartVIISectionAGrp/PersonNm4TOM CULPEPPER
IRS990/Form990PartVIISectionAGrp/PersonNm5RANDY FREEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6PAULETTE WARREN
IRS990/Form990PartVIISectionAGrp/PersonNm7PATRICK SPYKE
IRS990/Form990PartVIISectionAGrp/PersonNm8JAMES MCHALE
IRS990/Form990PartVIISectionAGrp/PersonNm9KELLY ELLSWORTH-ETCHISON
IRS990/Form990PartVIISectionAGrp/PersonNm10JASON SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm11ANGELA RUZINSKY
IRS990/Form990PartVIISectionAGrp/PersonNm12EMILY JANNERETH
IRS990/Form990PartVIISectionAGrp/PersonNm13KIMBERLY AUSTIN
IRS990/Form990PartVIISectionAGrp/PersonNm14ROBYN HOWELL
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7398964
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8160947
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9165584
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10147006
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11139103
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12142288
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13119756
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14129780
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
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/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF MARKETING OFCR./CHIEF DIVERSITY OFCR.
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF MEMBERSHIP OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF TECHNOLOGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR COLLECTIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF HUMAN RESOURCE OFFICER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt09080
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt013000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0112550
IRS990/GrossReceiptsAmt046788367
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt09
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02570443
IRS990/InsuranceGrp/TotalAmt0140735
IRS990/InterestGrp/TotalAmt03994558
IRS990/InvestmentIncomeGrp/ExclusionAmt01246204
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01246204
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt024698807
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt015672944
IRS990/InvestmentsPubTradedSecGrp/BOYAmt018236440
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0101213784
IRS990/IRPDocumentCnt015517
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt016055090
IRS990/LandBldgEquipBasisNetGrp/BOYAmt019867609
IRS990/LandBldgEquipBasisNetGrp/EOYAmt020165656
IRS990/LandBldgEquipCostOrOtherBssAmt036220746
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0103470
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
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
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt05000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt093534595
IRS990/NetAssetsOrFundBalancesEOYAmt0103055036
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt09080
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt09080
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-583418
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0427126
IRS990/OfficeExpensesGrp/TotalAmt02359049
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt028812565
IRS990/OtherAssetsTotalGrp/EOYAmt031046294
IRS990/OtherChangesInNetAssetsAmt0426469
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01952261
IRS990/OtherExpensesGrp/Desc0DEBIT AND CREDIT CARD E
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3MAINTENANCE
IRS990/OtherExpensesGrp/TotalAmt02851017
IRS990/OtherExpensesGrp/TotalAmt12698800
IRS990/OtherExpensesGrp/TotalAmt21771532
IRS990/OtherExpensesGrp/TotalAmt31637843
IRS990/OtherLiabilitiesGrp/BOYAmt0737414982
IRS990/OtherLiabilitiesGrp/EOYAmt0822911375
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1520000
IRS990/OtherRevenueMiscGrp/Desc0EQUITY IN EARNINGS OF CUSO'S
IRS990/OtherRevenueMiscGrp/Desc1FINANCE & INSURANCE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01938284
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01938284
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1113418
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0113418
IRS990/OtherRevenueTotalAmt02051702
IRS990/OtherSalariesAndWagesGrp/TotalAmt09477661
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0599523132
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0657609504
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt073572
IRS990/PayrollTaxesGrp/TotalAmt0768692
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01831611
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01807119
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01994048
IRS990/PrincipalOfficerNm0PATRICK SPYKE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES, CHARGES, OTHER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt030809036
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt112568875
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt030809036
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt112568875
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/PYGrantsAndSimilarPaidAmt023458
IRS990/PYInvestmentIncomeAmt01389581
IRS990/PYOtherExpensesAmt022813557
IRS990/PYOtherRevenueAmt03627452
IRS990/PYProgramServiceRevenueAmt039616522
IRS990/PYRevenuesLessExpensesAmt06655219
IRS990/PYSalariesCompEmpBnftPaidAmt015141321
IRS990/PYTotalExpensesAmt037978336
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt044633555
IRS990/ReconcilationRevenueExpnssAmt09677390
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt093534595
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0103055036
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0124278636
IRS990/SavingsAndTempCashInvstGrp/EOYAmt069840038
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt013375146
IRS990ScheduleD/BuildingsGrp/DepreciationAmt06978530
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt020353676
IRS990ScheduleD/EquipmentGrp/BookValueAmt03038204
IRS990ScheduleD/EquipmentGrp/DepreciationAmt09076560
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt012114764
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt037007507
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt03752306
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03752306
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0258626676
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1153615945
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2241651244
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt38851588
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4160165922
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4TERM SHARE AND IRA CERTIFICATES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt046684897
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. GENERALLY, TAX YEARS FROM 2018 THROUGH THE CURRENT YEAR REMAIN OPEN TO EXAMINATION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt020165656
IRS990ScheduleD/TotalExpensesPerForm990Amt037007507
IRS990ScheduleD/TotalLiabilityAmt0822911375
IRS990ScheduleD/TotalRevenuePerForm990Amt046684897
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt046684897
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt037007507
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt013000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt07
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0THE AMOUNTS PAID TO THE ORGANIZATIONS ARE CONSIDERED DONATIONS, NOT GRANTS, SO THERE IS NO MONITORING.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0380986

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$943,734,939
Liabilities
$840,679,903
Net assets
$103,055,036
Revenue
$46,684,897
Expenses
$37,007,507
Net income
$9,677,390
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