Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2014 • EIN 38-1093900

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 05, 2015

Organization Profilewww.vibecreditunion.com

View Organization Page

44575 West 12 Mile RoadNovi, MI 48377

(248) 735-9500

Siviq Scores

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

Liabilities / Assets

10th percentile

0.84x

Higher debt load relative to assets than 10% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Liabilities / Revenue

43rd percentile

17.42x

Higher debt load relative to revenue than 43% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Net Margin

47th percentile

14%

Higher net margin than 47% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Top Officer Pay

78th percentile

$528,043

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Asset Growth

11th percentile

0.8%

Faster asset growth than 11% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Revenue Growth

11th percentile

-4.3%

Faster revenue growth than 11% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets10th percentile

Assets

Up

$419,313,861

Up $3,208,067 (+0.8%) from 2013

Net Assets

Up

$68,310,968

Up $2,673,248 (+4.1%) from 2013

Liabilities

Up

$351,002,893

Up $534,819 (+0.2%) from 2013

Revenue And Expenses
Liabilities / Revenue43rd percentileNet Margin47th percentile

Revenue

Down

$20,152,141

Down $912,146 (-4.3%) from 2013

Expenses

Down

$17,312,768

Down $2,146,664 (-11%) from 2013

Net Income

Up

$2,839,373

Up $1,234,518 (+77%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

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

$600M$400M$200M$0Assets 2010: $457,135,793Liabilities 2010: $393,633,524Net Assets 2010: $63,502,2692010Assets 2011: $433,388,873Liabilities 2011: $373,146,284Net Assets 2011: $60,242,5892011Assets 2012: $424,489,782Liabilities 2012: $360,746,899Net Assets 2012: $63,742,8832012Assets 2013: $416,105,794Liabilities 2013: $350,468,074Net Assets 2013: $65,637,7202013Assets 2014: $419,313,861Liabilities 2014: $351,002,893Net Assets 2014: $68,310,9682014Assets 2015: $472,715,230Liabilities 2015: $403,185,265Net Assets 2015: $69,529,9652015Assets 2016: $517,323,472Liabilities 2016: $447,451,344Net Assets 2016: $69,872,1282016Assets 2017: $529,146,744Liabilities 2017: $457,302,643Net Assets 2017: $71,844,1012017

Highlighted filing

2014

Assets$419,313,861
Liabilities$351,002,893
Net Assets$68,310,968
Open 2014 Filing

Operations Trend

Revenue Growth11th percentile

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

$30M$20M$10M$0Expenses 2010: $27,359,9742010Expenses 2011: $27,356,1572011Expenses 2012: $19,153,7912012Revenue 2013: $21,064,287Expenses 2013: $19,459,432Net Income 2013: $1,604,8552013Revenue 2014: $20,152,141Expenses 2014: $17,312,768Net Income 2014: $2,839,3732014Revenue 2015: $20,798,604Expenses 2015: $19,643,137Net Income 2015: $1,155,4672015Revenue 2016: $21,958,468Expenses 2016: $21,282,701Net Income 2016: $675,7672016Revenue 2017: $23,738,462Expenses 2017: $22,180,793Net Income 2017: $1,557,6692017

Highlighted filing

2014

Revenue$20,152,141
Expenses$17,312,768
Net Income$2,839,373
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 5, 2015
Return Version
2014v5.0
Gross Receipts
$20,806,823
Mission and Program Overview

Mission

To enhance the financial well-being of our members.

Provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$238,061,550$263,967,502▲ $25,905,952
Investments Other Securities$140,469,809$117,591,516▼ $22,878,293
Rtn Earn Endowment Incm Other Fnds$65,637,720$68,310,968▲ $2,673,248
Investments Program Related$12,150,214$11,630,572▼ $519,642
Land, Buildings, and Equipment, Net$11,733,349$11,569,682▼ $163,667
Cash and Non-Interest-Bearing Accounts$4,201,512$4,213,870▲ $12,358
Accounts Receivable$514,435$719,415▲ $204,980
Prepaid Expenses and Deferred Charges$363,416$562,258▲ $198,842
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$416,105,794$419,313,861▲ $3,208,067
Other Assets Total$8,611,509$9,059,046▲ $447,537
Liabilities
Other Liabilities$342,507,780$342,628,546▲ $120,766
Accounts Payable and Accrued Expenses$7,960,294$8,374,347▲ $414,053
Total Liabilities$350,468,074$351,002,893▲ $534,819
Net Assets / Fund Balance
Total Net Assets Fund Balance$65,637,720$68,310,968▲ $2,673,248
Total Liabilities and Net Assets / Fund Balance$416,105,794$419,313,861▲ $3,208,067

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,185,185$5,767,805$10,952,990
Equipment$1,318,604$4,832,513$6,151,117
Land$4,439,514-$4,439,514
Leasehold Improvements$626,379$444,897$1,071,276
Other Land Buildings$0$0$0
Other Securities$5,248,000--
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Thomas ReaganPresident/CEOFT$403,235$124,808$528,043
Ronald LangEvp/CFOFT$264,983$106,579$371,562
Paul MazurVP/isFT$125,475$30,557$156,032
Craig LarsonVP/LendingFT$120,430$24,099$144,529
Tyler RossVP/MarketingFT$113,389$22,045$135,434

Board Members and Trustees

NameTitle
David CowlesChairman
Stephen WestbrooksVice Chairman
Christa MurphyDirector
Michael IvanicsDirector
Terry McKinleySecretary
John BarrettTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Holzman Corkery PLLCLegal28366 Franklin Road, Southfield, MI 48034$130,224
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$18,174,203
Investment Income
$1,976,788
Other Revenue
$1,150
Change in Net Assets
$2,839,373

Audited Revenue Reconciliation

Revenue per Audited Statements
$20,100,476
Revenue Not Reported on Financial Statements
$51,665
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$51,665
Total Revenue per Audited Statements
$20,100,476
Total Revenue per Form 990
$20,152,141
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,010,366
Salaries, Compensation, and Employee Benefits$8,302,402
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,861,127
Office Expenses---$1,869,458
Current Officers, Directors, Trustees, and Key Employees---$1,335,600
Other Employee Benefits---$1,264,801
Occupancy---$1,098,292
Depreciation Depletion---$1,014,330
Interest---$870,216
Payroll Taxes---$572,498
Advertising---$293,031
Pension Plan Contributions---$268,376
Conferences and Meetings---$200,575
Insurance---$124,127
Other Expenses---$119,383
Fees for Services Other---$101,161
Fees for Services Accounting---$28,218
Fees for Services Legal---$21,050
All Other Expenses---$-249,700
Total Functional Expenses$0$0$0$17,312,768

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$17,312,768
Total Expenses per Form 990$17,312,768
Total Expenses per Audited Statements$17,261,103
Expenses Not Reported on Financial Statements$0
Other Expense Adjustments$0
Expenses Not Reported on Form 990$-51,665
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$342,628,546
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
Yes
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 4

“A Field of Membership expansion was approved to include all of the lower peninsula of Michigan.”

Form 990, Part VI, Section A, Line 6

“The Credit Union has a single class of members with equal rights of ownership, governance and voting.”

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

“The Board of Directors is elected based on an open ballot for 3 year terms.”

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

“Credit Union decisions that are subject to membership approval are Board of Director elections, merger into another credit union, and charter changes. Field of Membership changes and By-Law changes must be reported to the membership at the annual meeting.”

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

“A review is conducted by the Internal Auditor and EVP/CFO prior to submission to the IRS. The returns are made available to the Board of Directors for review.”

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

“Directors must attest that they have no conflicts of interest on an annual basis.”

Form 990, Part VI, Section B, Line 15

“The full Board prepares an evaluation of the President/CEO annually. Each Board member completes the evaluation form in writing. The Board Secretary compiles the results and prepares a consolidated evaluation. Salary is based on credit union President/CEO salary surveys and determined by credit union size, complexity and performance. A credit union consulting firm is utilized to obtain this information. The President/CEO prepares and conducts the evaluation process for key employees. The evaluation process is delegated to the EVP/CFO for certain key employees, with final review performed by the President/CEO. Those salaries are based on available salary survey information and are performance based. The last compensation review was completed in 2014.”

Form 990, Part VI, Section C, Line 19

“Financial Statements are posted in the Credit Union lobby. Other documents and policies are available upon request.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State of Michigan
EIN
38-1093900
Phone
2487359500
Address
44575 West 12 Mile Road, Novi, MI 48377

Signing Officer

Name
Ronald W Lang
Title
Evp/CFO
Phone
2487359500
Signed
2015-11-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Thomas Reagan
Formed
1936
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
6
Employees
154
Volunteers
6

Preparer

Firm
Cindrich Mahalak & Co
Address
31215 Jefferson Ave, St Clair Shores, MI 48082
Preparer
Roy Griffor Jr
Phone
5862961155
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in Other Comprehensive Income -166,125”

Financial Statement Notes

Schedule D, Part XI, Line 4B

“Investment adjustment included in income on 990, in non-operating on FS $-57,522 Sale of Assets in income on 990, in non-operating on FS $109,187.”

Schedule D, Part XII, Line 2D

“Investment adjustment included in income on 990, in non-operating on FS 57,522 Sale of Assets in income on 990, in non-operating on FS -109,187”

Raw XML AppendixShowing 400 of 558 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/PersonNm7Ronald Lang
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Treasurer
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IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt6President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt7EVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP/Marketing
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IRS990/NetAssetsOrFundBalancesBOYAmt065637720
IRS990/NetAssetsOrFundBalancesEOYAmt068310968
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0109187
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0109187
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt01150
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt01150
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01098292
IRS990/OfficeExpensesGrp/TotalAmt01869458
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08611509
IRS990/OtherAssetsTotalGrp/EOYAmt09059046
IRS990/OtherChangesInNetAssetsAmt0-166125
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01264801
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Strategic Initiative Expense
IRS990/OtherExpensesGrp/Desc2Miscellaneous Operating Expense
IRS990/OtherExpensesGrp/Desc3Examination Fees/Association Dues
IRS990/OtherExpensesGrp/TotalAmt02018532
IRS990/OtherExpensesGrp/TotalAmt11165202
IRS990/OtherExpensesGrp/TotalAmt2336491
IRS990/OtherExpensesGrp/TotalAmt3119383
IRS990/OtherLiabilitiesGrp/BOYAmt0342507780
IRS990/OtherLiabilitiesGrp/EOYAmt0342628546
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt04861127
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0238061550
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0263967502
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0572498
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0268376
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0363416
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0562258
IRS990/PrincipalOfficerNm0Thomas Reagan
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest
IRS990/ProgramServiceRevenueGrp/Desc1Fee/Other Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012378243
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt15743382
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012378243
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15795960
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt152578
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide 15,811 loans including Vehicle, Recreational Vehicle, Mobile Home, Line of Credit, Credit Card, Home Equity, Mortgage, Business and Share Secured loans.
IRS990/ProgSrvcAccomActy3Grp/Desc0Offer Automated Teller Machines, Debit Card, Travelers Checks, Bill Payment, Courtesy Pay, Money Orders and various insurance programs.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02568680
IRS990/PYOtherExpensesAmt011846120
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt018495607
IRS990/PYRevenuesLessExpensesAmt01604855
IRS990/PYSalariesCompEmpBnftPaidAmt07613312
IRS990/PYTotalExpensesAmt019459432
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt021064287
IRS990/ReconcilationRevenueExpnssAmt02839373
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt01150
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt065637720
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt068310968
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt05185185
IRS990ScheduleD/BuildingsGrp/DepreciationAmt05767805
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt010952990
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt01318604
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04832513
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06151117
IRS990ScheduleD/ExpensesNotReportedAmt0-51665
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt017312768
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt04439514
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04439514
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0626379
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0444897
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01071276
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt0-51665
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0342628546
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt051665
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt032180891
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1300
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3100
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt480162224
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt55248000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Investments
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Co-Op Network Stock
IRS990ScheduleD/OtherSecuritiesGrp/Desc2Visa Stock
IRS990ScheduleD/OtherSecuritiesGrp/Desc3CU Partnership
IRS990ScheduleD/OtherSecuritiesGrp/Desc4Federal Agency Securities
IRS990ScheduleD/OtherSecuritiesGrp/Desc5Certificates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5C
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt051665
IRS990ScheduleD/RevenueSubtotalAmt020100476
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Investment adjustment included in income on 990, in non-operating on FS $-57,522 Sale of Assets in income on 990, in non-operating on FS $109,187.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1Investment adjustment included in income on 990, in non-operating on FS 57,522 Sale of Assets in income on 990, in non-operating on FS -109,187
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part XI, Line 4b
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Schedule D, Part XII, Line 2d
IRS990ScheduleD/TotalBookValueLandBuildingsAmt011569682
IRS990ScheduleD/TotalBookValueSecuritiesAmt0117591516
IRS990ScheduleD/TotalExpensesPerForm990Amt017312768
IRS990ScheduleD/TotalLiabilityAmt0342628546
IRS990ScheduleD/TotalRevenuePerForm990Amt020152141
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt020100476
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt017261103
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0403235
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1264983
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2125475
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount26500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$419,313,861
Liabilities
$351,002,893
Net assets
$68,310,968
Revenue
$20,152,141
Expenses
$17,312,768
Net income
$2,839,373
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$529$457$71.8$23.7$22.2$1.56
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$517$447$69.9$22.0$21.3$0.68
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$473$403$69.5$20.8$19.6$1.16
2014Detailed filing. Detailed filing data is available for this year.$419$351$68.3$20.2$17.3$2.84
2013Detailed filing. Detailed filing data is available for this year.$416$350$65.6$21.1$19.5$1.60
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$424$361$63.7$19.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$433$373$60.2$27.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$457$394$63.5$27.4