Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2013 • EIN 38-1231023

Jan 01, 2013 to Dec 31, 2013 • Filed on May 12, 2014

Organization ProfileWWW.HONORCU.COM

View Organization Page

2920 Lakeview AvenueBerrien Sprgs, MI 49085

(269) 983-6357

Siviq Scores

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

Liabilities / Assets

46th percentile

0.89x

Higher debt load relative to assets than 46% of similar nonprofits.

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

Liabilities / Revenue

39th percentile

16.71x

Higher debt load relative to revenue than 39% of similar nonprofits.

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

Net Margin

76th percentile

20%

Higher net margin than 76% of similar nonprofits.

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

Top Officer Pay

33rd percentile

$302,209

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

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

Asset Growth

85th percentile

9.2%

Faster asset growth than 85% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets46th percentile

Assets

Up

$472,518,124

Up $39,807,708 (+9.2%) from 2012

Net Assets

Up

$50,444,620

Up $3,281,473 (+7.0%) from 2012

Liabilities

Up

$422,073,504

Up $36,526,235 (+9.5%) from 2012

Revenue And Expenses
Liabilities / Revenue39th percentileNet Margin76th percentile

Revenue

$25,258,836

No earlier filing loaded for comparison.

Expenses

Up

$20,157,913

Up $1,469,812 (+7.9%) from 2012

Net Income

$5,100,923

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth85th percentile

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

$2.0B$1.5B$1.0B$500M$0Assets 2011: $321,006,734Liabilities 2011: $282,618,007Net Assets 2011: $38,388,7272011Assets 2012: $432,710,416Liabilities 2012: $385,547,269Net Assets 2012: $47,163,1472012Assets 2013: $472,518,124Liabilities 2013: $422,073,504Net Assets 2013: $50,444,6202013Assets 2014: $598,991,686Liabilities 2014: $534,523,673Net Assets 2014: $64,468,0132014Assets 2015: $664,782,324Liabilities 2015: $593,767,567Net Assets 2015: $71,014,7572015Assets 2016: $712,966,023Liabilities 2016: $636,670,547Net Assets 2016: $76,295,4762016Assets 2017: $852,520,992Liabilities 2017: $757,330,790Net Assets 2017: $95,190,2022017Assets 2018: $934,030,474Liabilities 2018: $828,770,549Net Assets 2018: $105,259,9252018Assets 2019: $1,009,278,982Liabilities 2019: $890,810,067Net Assets 2019: $118,468,9152019Assets 2020: $1,214,960,101Liabilities 2020: $1,079,988,759Net Assets 2020: $134,971,3422020Assets 2021: $1,437,451,566Liabilities 2021: $1,285,589,145Net Assets 2021: $151,862,4212021Assets 2022: $1,585,559,927Liabilities 2022: $1,442,962,820Net Assets 2022: $142,597,1072022Assets 2023: $1,701,973,478Liabilities 2023: $1,537,891,407Net Assets 2023: $164,082,0712023Assets 2024: $1,705,014,823Liabilities 2024: $1,519,352,936Net Assets 2024: $185,661,8872024

Highlighted filing

2013

Assets$472,518,124
Liabilities$422,073,504
Net Assets$50,444,620
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150M$100M$50M$0Expenses 2011: $14,215,2272011Expenses 2012: $18,688,1012012Revenue 2013: $25,258,836Expenses 2013: $20,157,913Net Income 2013: $5,100,9232013Revenue 2014: $30,476,651Expenses 2014: $24,620,104Net Income 2014: $5,856,5472014Revenue 2015: $36,570,015Expenses 2015: $29,868,248Net Income 2015: $6,701,7672015Revenue 2016: $43,216,020Expenses 2016: $37,658,842Net Income 2016: $5,557,1782016Revenue 2017: $49,336,526Expenses 2017: $40,922,549Net Income 2017: $8,413,9772017Revenue 2018: $60,329,871Expenses 2018: $49,616,444Net Income 2018: $10,713,4272018Revenue 2019: $69,079,578Expenses 2019: $57,783,763Net Income 2019: $11,295,8152019Revenue 2020: $75,345,313Expenses 2020: $61,331,077Net Income 2020: $14,014,2362020Revenue 2021: $81,953,482Expenses 2021: $60,781,210Net Income 2021: $21,172,2722021Revenue 2022: $90,533,570Expenses 2022: $71,155,529Net Income 2022: $19,378,0412022Revenue 2023: $113,682,685Expenses 2023: $94,196,589Net Income 2023: $19,486,0962023Revenue 2024: $127,936,925Expenses 2024: $111,515,012Net Income 2024: $16,421,9132024

Highlighted filing

2013

Revenue$25,258,836
Expenses$20,157,913
Net Income$5,100,923
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 12, 2014
Return Version
2013v3.0
Gross Receipts
$45,907,143
Mission and Program Overview

Mission

Providing solutions for financial success.

To serve the people of allegan, barry, berrien, branch, calhoun, cass, kalamazoo, kent, muskegon, newaygo, oceana, ottawa, st. Joseph and van buren counties by providing financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$281,513,733$311,354,627▲ $29,840,894
Investments Other Securities$97,940,152$112,550,366▲ $14,610,214
Rtn Earn Endowment Incm Other Fnds$47,163,147$50,444,620▲ $3,281,473
Savings and Temporary Cash Investments$22,733,102$18,530,945▼ $4,202,157
Land, Buildings, and Equipment, Net$12,033,520$13,221,762▲ $1,188,242
Cash and Non-Interest-Bearing Accounts$7,361,817$6,710,011▼ $651,806
Prepaid Expenses and Deferred Charges$263,093$385,408▲ $122,315
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$432,710,416$472,518,124▲ $39,807,708
Other Assets Total$10,864,999$9,765,005▼ $1,099,994
Liabilities
Other Liabilities$383,094,732$415,253,805▲ $32,159,073
Mortgage Notes Payable Secured by Investment Property$0$4,000,000▲ $4,000,000
Accounts Payable and Accrued Expenses$2,452,537$2,100,428▼ $352,109
Escrow Account Liability$0$719,271▲ $719,271
Total Liabilities$385,547,269$422,073,504▲ $36,526,235
Net Assets / Fund Balance
Total Net Assets Fund Balance$47,163,147$50,444,620▲ $3,281,473
Total Liabilities and Net Assets / Fund Balance$432,710,416$472,518,124▲ $39,807,708

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,485,987$2,425,933$10,911,920
Equipment$1,917,004$3,252,414$5,169,418
Land$2,334,944-$2,334,944
Leasehold Improvements$433,541$503,610$937,151
Other Land Buildings$50,286-$50,286
Other Securities$3,422,579--
Compensation and Service Providers
Top Officer Pay33rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Scott McfarlandCEO/presidentFT$222,083$80,126$302,209
Mary Jean UnruhVP of FinanceFT$116,349$39,157$155,506
Thomas KempfVice PresidentFT$123,242$13,377$136,619
William KulichVice PresidentFT$109,597$22,898$132,495
Marilyn ArendVP of Retail DeliveryFT$114,599$17,265$131,864
Kent FigyVice PresidentFT$102,197$21,175$123,372
Kathy BurdickVice PresidentFT$100,896$16,266$117,162

Board Members and Trustees

NameTitle
Larry OlsonBoard Chairman
Brian BrownBoard Vice-chairman
Dana SlocumDirector
Gil GuzmanDirector
Richard AtwellDirector
Ronald GriesingerDirector
Scott CarterDirector
Tim HoyleDirector
Ron WillgingDirector (part Year)
Mimi ElwellSecretary
Mark FryTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Ec Moore Development LLCConstruction/maintenance-$964,283
Cu AnswersData Processing-$912,516
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$24,001,866
Investment Income
$1,215,241
Other Revenue
$41,729
Change in Net Assets
$5,100,923

Audited Revenue Reconciliation

Revenue per Audited Statements
$25,276,748
Revenue Not Reported on Financial Statements
$-17,912
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-17,912
Total Revenue per Audited Statements
$25,276,748
Total Revenue per Form 990
$25,258,836
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,591,189
Salaries, Compensation, and Employee Benefits$9,566,724
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$6,124,579
Other Employee Benefits---$1,675,509
Occupancy---$1,171,316
All Other Expenses---$1,046,665
Depreciation Depletion---$974,589
Office Expenses---$845,383
Information Technology---$792,403
Advertising---$744,243
Pension Plan Contributions---$682,116
Payroll Taxes---$626,805
Other Expenses---$608,169
Current Officers, Directors, Trustees, and Key Employees---$457,715
Fees for Services Other---$173,691
Travel---$118,233
Conferences and Meetings---$89,677
Fees for Service Investment Mgmnt Fees---$89,256
Insurance---$82,683
Fees for Services Accounting---$77,058
Fees for Services Legal---$50,838
Interest---$6,370
Total Functional Expenses$0$0$0$20,157,913

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$20,175,825
Expenses per Audited Statements$20,157,913
Total Expenses per Form 990$20,157,913
Expenses Not Reported on Form 990$17,912
Expenses Not Reported on Financial Statements$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES AND SAVINGS$415,253,805
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

“The credit union currently has approximately 43,000 members.”

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

“The members of the credit union are responsible for electing the board of directors.”

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

“The members of the credit union must approve a merger into another credit union. All other decisions are made by the board of directors.”

Form 990, Part VI, Section B, Line 11

“Before the 990 was filed, an electronic copy of the draft was sent to the board of directors and vp of finance, via email, for their review. All of the board members were given the opportunity to contact the credit union's management with any questions or concerns they had regarding the form 990 return.”

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

“Audit link is a service we use to monitor all employee and board member accounts. Accounts are monitored weekly by audit link and a report is sent to human resources with the findings, human resources does a review of accounts and investigates if needed. Compliance with the conflict of interest policy is monitored through discussions at the board level. If a conflict arises the affected board member will abstain from voting.”

Form 990, Part VI, Section B, Line 15

“The board of directors has approved the use of comp ease software for assisting with compensation for all employees. Compensation for the ceo, other officers, and key employees is approved by both human resources and the board of directors. The process was last completed during 2013.”

Form 990, Part VI, Section C, Line 19

“Governing documents and financial statements are available upon request.”

Filing and Contact Details

Filer

EIN
38-1231023
Phone
2699836357

Signing Officer

Name
Scott Mcfarland
Title
CEO
Phone
2699836357
Signed
2014-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Scott Mcfarland
Formed
1934
Legal Domicile
Mi
Voting Board Members
10
Independent Board Members
10
Employees
221
Volunteers
10

Preparer

Preparer
Kenley Penner CPA
Phone
2699828000
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The board of directors has established the supervisory committee which is responsible for the oversight of the audit review and the selection of an independent auditor. The supervisory committee approves an independent auditor each year and meets to review the independent auditor's report after the audit is complete. The process has not changed from the prior year.”

FORM 990, PART X, LINE 5 AND SCHEDULE L:

“Schedule l is not required for loans receivable balances on form 990, part x, line 5 if the loans are made by the credit union to the directors, officers, and key employees on the same terms offered to other members of the credit union. Therefore, the credit union has included approximately $2,279,000 and $1,923,000 of receivables from current officers, directors, trustees, key employees, and highest compensated employees for 2013 and 2012, respectively, within form 990, part x, line 7.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union holds amounts in escrow accounts for real estate taxes and home insurance related to home mortgage loans.”

PART X, LINE 2:

“The credit union is exempt, by statute, from federal and state income taxes. However, the credit union is subject to unrelated business income tax. The net unrelated business income tax is immaterial to the financial statements as a whole. Accounting principles generally accepted in the united states of america require management to evaluate tax positions taken by the credit union and recognize a tax liability if the credit union has taken an uncertain position that more likely than not would not be sustained upon examination by the irs or other applicable taxing authorities. Management has analyzed the tax positions taken by the credit union and has concluded that as of december 31, 2013 and 2011, there are no uncertain positions taken or expected to be taken that would require recognition of a liability or disclosure in the financial statements. The credit union is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. Management believes it is no longer subject to income tax examinations for years prior to 2010.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Gain on sale of foreclosed assets 32,824. Loss on sale of foreclosed assets -50,736.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Gain on sale of foreclosed assets -32,824. Loss on sale of foreclosed assets 50,736.”

Raw XML AppendixShowing 400 of 541 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/ActivityOrMissionDesc0TO SERVE THE PEOPLE OF ALLEGAN, BARRY, BERRIEN, BRANCH, CALHOUN, CASS, KALAMAZOO, KENT, MUSKEGON, NEWAYGO, OCEANA, OTTAWA, ST. JOSEPH AND VAN BUREN COUNTIES BY PROVIDING FINANCIAL SERVICES.
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IRS990/Form990PartVIISectionAGrp/PersonNm3MARK FRY
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IRS990/Form990PartVIISectionAGrp/PersonNm14KATHY BURDICK
IRS990/Form990PartVIISectionAGrp/PersonNm15KENT FIGY
IRS990/Form990PartVIISectionAGrp/PersonNm16THOMAS KEMPF
IRS990/Form990PartVIISectionAGrp/PersonNm17WILLIAM KULICH
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11260021
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12132103
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13114599
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16123242
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17109597
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
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IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE-CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR (PART YEAR)
IRS990/Form990PartVIISectionAGrp/TitleTxt11CEO/PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF RETAIL DELIVERY
IRS990/Form990PartVIISectionAGrp/TitleTxt14VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt15VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt16VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt17VICE PRESIDENT
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IRS990/Form990TFiledInd01
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IRS990/GainOrLossGrp/SecuritiesAmt0735
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt020187946
IRS990/GrossReceiptsAmt045907143
IRS990/GrossRentsGrp/RealAmt041729
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IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0792403
IRS990/InsuranceGrp/TotalAmt082683
IRS990/InterestGrp/TotalAmt06370
IRS990/InvestmentIncomeGrp/ExclusionAmt01351525
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01351525
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IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt020187211
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROVIDING SOLUTIONS FOR FINANCIAL SUCCESS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt04000000
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IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-136284
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-136284
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt041729
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt041729
IRS990/NetUnrelatedBusTxblIncmAmt0-70621
IRS990/NetUnrlzdGainsLossesInvstAmt0-1819450
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01171316
IRS990/OfficeExpensesGrp/TotalAmt0845383
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt010864999
IRS990/OtherAssetsTotalGrp/EOYAmt09765005
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01675509
IRS990/OtherExpensesGrp/Desc0INTEREST PAID ON MEMBER
IRS990/OtherExpensesGrp/Desc1CREDIT AND DEBIT CARD F
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt01624399
IRS990/OtherExpensesGrp/TotalAmt11197813
IRS990/OtherExpensesGrp/TotalAmt2898403
IRS990/OtherExpensesGrp/TotalAmt3608169
IRS990/OtherLiabilitiesGrp/BOYAmt0383094732
IRS990/OtherLiabilitiesGrp/EOYAmt0415253805
IRS990/OtherSalariesAndWagesGrp/TotalAmt06124579
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0281513733
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0311354627
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0626805
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0682116
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0263093
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0385408
IRS990/PrincipalOfficerNm0SCOTT MCFARLAND
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt015408129
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt18336534
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt015408129
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt18593737
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0257203
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01148548
IRS990/PYOtherExpensesAmt010199194
IRS990/PYOtherRevenueAmt042903
IRS990/PYProgramServiceRevenueAmt024799555
IRS990/PYRevenuesLessExpensesAmt07302905
IRS990/PYSalariesCompEmpBnftPaidAmt08488907
IRS990/PYTotalExpensesAmt018688101
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt025991006
IRS990/ReconcilationRevenueExpnssAmt05100923
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt041729
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt047163147
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt050444620
IRS990/SavingsAndTempCashInvstGrp/BOYAmt022733102
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018530945
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt08485987
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02425933
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt010911920
IRS990ScheduleD/EquipmentGrp/BookValueAmt01917004
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03252414
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05169418
IRS990ScheduleD/ExpensesNotReportedAmt017912
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt020157913
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt02334944
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02334944
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0433541
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0503610
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0937151
IRS990ScheduleD/OtherExpensesIncludedAmt017912
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt050286
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt050286
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0415253805
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES AND SAVINGS
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-17912
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt050797136
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt123345843
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt213377153
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt312206910
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt49400745
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt53422579
IRS990ScheduleD/OtherSecuritiesGrp/Desc0U.S. GOVERNMENT AND FEDERAL AGENCY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MORTGAGE-BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc2NEGOTIABLE CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc3STATE AND MUNICIPAL BONDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc4COLLATERALIZED MORTGAGE OBLIGATIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc5CORPORATE BONDS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5F
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IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-17912
IRS990ScheduleD/RevenueSubtotalAmt025276748
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS AMOUNTS IN ESCROW ACCOUNTS FOR REAL ESTATE TAXES AND HOME INSURANCE RELATED TO HOME MORTGAGE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES. HOWEVER, THE CREDIT UNION IS SUBJECT TO UNRELATED BUSINESS INCOME TAX. THE NET UNRELATED BUSINESS INCOME TAX IS IMMATERIAL TO THE FINANCIAL STATEMENTS AS A WHOLE. ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REQUIRE MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE CREDIT UNION AND RECOGNIZE A TAX LIABILITY IF THE CREDIT UNION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY THE IRS OR OTHER APPLICABLE TAXING AUTHORITIES. MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE CREDIT UNION AND HAS CONCLUDED THAT AS OF DECEMBER 31, 2013 AND 2011, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY OR DISCLOSURE IN THE FINANCIAL STATEMENTS. THE CREDIT UNION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. MANAGEMENT BELIEVES IT IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR YEARS PRIOR TO 2010.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2GAIN ON SALE OF FORECLOSED ASSETS 32,824. LOSS ON SALE OF FORECLOSED ASSETS -50,736.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3GAIN ON SALE OF FORECLOSED ASSETS -32,824. LOSS ON SALE OF FORECLOSED ASSETS 50,736.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$472,518,124
Liabilities
$422,073,504
Net assets
$50,444,620
Revenue
$25,258,836
Expenses
$20,157,913
Net income
$5,100,923
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,705$1,519$186$128$112$16.4
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,702$1,538$164$114$94.2$19.5
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,586$1,443$143$90.5$71.2$19.4
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,437$1,286$152$82.0$60.8$21.2
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,215$1,080$135$75.3$61.3$14.0
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,009$891$118$69.1$57.8$11.3
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$934$829$105$60.3$49.6$10.7
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$853$757$95.2$49.3$40.9$8.41
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$713$637$76.3$43.2$37.7$5.56
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$665$594$71.0$36.6$29.9$6.70
2014Detailed filing. Detailed filing data is available for this year.$599$535$64.5$30.5$24.6$5.86
2013Detailed filing. Detailed filing data is available for this year.$473$422$50.4$25.3$20.2$5.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$433$386$47.2$18.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$321$283$38.4$14.2
Peer Organizations

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