Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2014 • EIN 38-1231023

Jan 01, 2014 to Dec 31, 2014 • Filed on May 11, 2015

Organization ProfileWWW.HONORCU.COM

View Organization Page

2920 Lakeview AvenueSt Joseph, MI 49085

(269) 983-6357

Siviq Scores

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

Liabilities / Assets

47th percentile

0.89x

Higher debt load relative to assets than 47% of similar nonprofits.

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

Liabilities / Revenue

44th percentile

17.54x

Higher debt load relative to revenue than 44% of similar nonprofits.

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

Net Margin

74th percentile

19%

Higher net margin than 74% of similar nonprofits.

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

Top Officer Pay

30th percentile

$304,102

Higher top officer pay than 30% of similar nonprofits.

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

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

Asset Growth

97th percentile

27%

Faster asset growth than 97% of similar nonprofits.

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

Revenue Growth

96th percentile

21%

Faster revenue growth than 96% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$598,991,686

Up $126,473,562 (+27%) from 2013

Net Assets

Up

$64,468,013

Up $14,023,393 (+28%) from 2013

Liabilities

Up

$534,523,673

Up $112,450,169 (+27%) from 2013

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin74th percentile

Revenue

Up

$30,476,651

Up $5,217,815 (+21%) from 2013

Expenses

Up

$24,620,104

Up $4,462,191 (+22%) from 2013

Net Income

Up

$5,856,547

Up $755,624 (+15%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth97th 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

2014

Assets$598,991,686
Liabilities$534,523,673
Net Assets$64,468,013
Open 2014 Filing

Operations Trend

Revenue Growth96th percentile

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

2014

Revenue$30,476,651
Expenses$24,620,104
Net Income$5,856,547
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 11, 2015
Return Version
2014v5.0
Gross Receipts
$57,263,863
Mission and Program Overview

Mission

Providing solutions for financial success.

To provide financial services to residents of the state of michigan.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$311,354,627$424,046,425▲ $112,691,798
Investments Other Securities$112,550,366$126,375,597▲ $13,825,231
Rtn Earn Endowment Incm Other Fnds$50,444,620$64,468,013▲ $14,023,393
Land, Buildings, and Equipment, Net$13,221,762$17,445,345▲ $4,223,583
Cash and Non-Interest-Bearing Accounts$6,710,011$8,946,753▲ $2,236,742
Savings and Temporary Cash Investments$18,530,945$6,673,082▼ $11,857,863
Prepaid Expenses and Deferred Charges$385,408$686,989▲ $301,581
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$472,518,124$598,991,686▲ $126,473,562
Other Assets Total$9,765,005$14,817,495▲ $5,052,490
Liabilities
Other Liabilities$415,253,805$505,709,867▲ $90,456,062
Mortgage Notes Payable Secured by Investment Property$4,000,000$24,900,000▲ $20,900,000
Accounts Payable and Accrued Expenses$2,100,428$3,064,940▲ $964,512
Escrow Account Liability$719,271$848,866▲ $129,595
Total Liabilities$422,073,504$534,523,673▲ $112,450,169
Net Assets / Fund Balance
Total Net Assets Fund Balance$50,444,620$64,468,013▲ $14,023,393
Total Liabilities and Net Assets / Fund Balance$472,518,124$598,991,686▲ $126,473,562

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,760,286$3,463,134$14,223,420
Equipment$2,068,240$3,987,894$6,056,134
Land$2,872,444-$2,872,444
Other Land Buildings$1,744,375-$1,744,375
Other Securities$3,915,600--
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Scott McfarlandCEO/presidentFT$225,650$78,452$304,102
Mary Jean UnruhVice President of FinanceFT$118,463$40,823$159,286
Thomas KempfVice President of LendingFT$123,278$14,163$137,441
William KulichVice President of ItFT$117,103$15,690$132,793
Kent FigyVice President of Member ServiceFT$104,100$25,361$129,461
Kathy BurdickVice President of HrFT$105,440$17,034$122,474
Shari WeberChief Administrative OfficerFT$100,860$18,383$119,243

Board Members and Trustees

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

Highest Paid Contractors

ContractorServicesLocationCompensation
Ec Moore Development LLCConstruction/maintenance117 WEST FERRY STREET, Berrien Springs, MI 49103$1,677,458
Cu AnswersData Processing6000 28TH ST SE 100, Grand Rapids, MI 49546$932,725
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$28,750,365
Investment Income
$1,667,966
Other Revenue
$58,320
Change in Net Assets
$5,856,547

Audited Revenue Reconciliation

Revenue per Audited Statements
$30,475,606
Revenue Not Reported on Financial Statements
$1,045
Revenue Not Reported on Form 990
$1,765,829
Other Revenue Adjustments
$1,045
Total Revenue per Audited Statements
$32,241,435
Total Revenue per Form 990
$30,476,651
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,721,582
Salaries, Compensation, and Employee Benefits$11,898,522
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,705,402
Other Employee Benefits---$2,217,183
Depreciation Depletion---$1,253,413
All Other Expenses---$1,210,141
Occupancy---$1,117,618
Information Technology---$1,000,985
Office Expenses---$914,805
Advertising---$912,941
Payroll Taxes---$778,169
Other Expenses---$772,095
Pension Plan Contributions---$734,380
Current Officers, Directors, Trustees, and Key Employees---$463,388
Fees for Services Legal---$214,539
Fees for Services Other---$190,470
Conferences and Meetings---$157,214
Interest---$134,704
Travel---$123,072
Insurance---$96,256
Fees for Service Investment Mgmnt Fees---$94,458
Fees for Services Accounting---$70,461
Total Functional Expenses$0$0$0$24,620,104

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$24,620,104
Total Expenses per Form 990$24,620,104
Total Expenses per Audited Statements$24,619,059
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$-1,045
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$505,709,867
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
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 4

“The credit union changed its charter during 2014 to change the area served to the state of michigan.”

Form 990, Part VI, Section A, Line 6

“The credit union currently has approximately 55,000 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 2014.”

Form 990, Part VI, Section C, Line 19

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

Filing and Contact Details

Filer

Filer Name
Honor Credit Union
EIN
38-1231023
Phone
2699836357
Address
2920 LAKEVIEW AVENUE, ST JOSEPH, MI 49085

Signing Officer

Name
Scott Mcfarland
Title
CEO
Phone
2699836357
Signed
2015-05-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Scott Mcfarland
Formed
1934
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
274
Volunteers
9

Preparer

Firm
Plante & Moran Pllc
Address
511 RENAISSANCE DRIVE SUITE 120, ST JOSEPH, MI 49085
Preparer
Kenley Penner CPA
Phone
2699828000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Acquired equity on business acquisition 5,207,625. Bargain purchase gain 1,765,829.”

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 $2,400,000 and $2,279,000 of receivables from current officers, directors, trustees, key employees, and highest compensated employees for 2014 and 2013, 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, 2014 and 2013, 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 2011.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Bargain purchase gain 1,765,829.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Gain on sale of foreclosed assets 15,653. Loss on sale of foreclosed assets -14,608.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Gain on sale of foreclosed assets -15,653. Loss on sale of foreclosed assets 14,608.”

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/Form990PartVIISectionAGrp/PersonNm10SCOTT MCFARLAND
IRS990/Form990PartVIISectionAGrp/PersonNm11MARY JEAN UNRUH
IRS990/Form990PartVIISectionAGrp/PersonNm12THOMAS KEMPF
IRS990/Form990PartVIISectionAGrp/PersonNm13WILLIAM KULICH
IRS990/Form990PartVIISectionAGrp/PersonNm14KATHY BURDICK
IRS990/Form990PartVIISectionAGrp/PersonNm15KENT FIGY
IRS990/Form990PartVIISectionAGrp/PersonNm16SHARI WEBER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10262640
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11138457
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12123278
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13117103
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14105440
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15104100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16100860
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/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
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 (PART YEAR)
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO/PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE PRESIDENT OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE PRESIDENT OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE PRESIDENT OF IT
IRS990/Form990PartVIISectionAGrp/TitleTxt14VICE PRESIDENT OF HR
IRS990/Form990PartVIISectionAGrp/TitleTxt15VICE PRESIDENT OF MEMBER SERVICE
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF ADMINISTRATIVE OFFICER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-158678
IRS990/GainOrLossGrp/SecuritiesAmt035878
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0648956
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt026015456
IRS990/GrossReceiptsAmt057263863
IRS990/GrossRentsGrp/RealAmt058320
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01000985
IRS990/InsuranceGrp/TotalAmt096256
IRS990/InterestGrp/TotalAmt0134704
IRS990/InvestmentIncomeGrp/ExclusionAmt01790766
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01790766
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0112550366
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0126375597
IRS990/IRPDocumentCnt09072
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07451028
IRS990/LandBldgEquipBasisNetGrp/BOYAmt013221762
IRS990/LandBldgEquipBasisNetGrp/EOYAmt017445345
IRS990/LandBldgEquipCostOrOtherBssAmt024896373
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0807634
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt025979578
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/BOYAmt04000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt024900000
IRS990/NetAssetsOrFundBalancesBOYAmt050444620
IRS990/NetAssetsOrFundBalancesEOYAmt064468013
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-122800
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-122800
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt058320
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt058320
IRS990/NetUnrelatedBusTxblIncmAmt0-143439
IRS990/NetUnrlzdGainsLossesInvstAmt01193392
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01117618
IRS990/OfficeExpensesGrp/TotalAmt0914805
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09765005
IRS990/OtherAssetsTotalGrp/EOYAmt014817495
IRS990/OtherChangesInNetAssetsAmt06973454
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02217183
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/TotalAmt01727348
IRS990/OtherExpensesGrp/TotalAmt11467102
IRS990/OtherExpensesGrp/TotalAmt21263960
IRS990/OtherExpensesGrp/TotalAmt3772095
IRS990/OtherLiabilitiesGrp/BOYAmt0415253805
IRS990/OtherLiabilitiesGrp/EOYAmt0505709867
IRS990/OtherSalariesAndWagesGrp/TotalAmt07705402
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0311354627
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0424046425
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0778169
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0734380
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0385408
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0686989
IRS990/PrincipalOfficerNm0SCOTT MCFARLAND
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt018295385
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt110287994
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt018295385
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt110454980
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0166986
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01215241
IRS990/PYOtherExpensesAmt010591189
IRS990/PYOtherRevenueAmt041729
IRS990/PYProgramServiceRevenueAmt024001866
IRS990/PYRevenuesLessExpensesAmt05100923
IRS990/PYSalariesCompEmpBnftPaidAmt09566724
IRS990/PYTotalExpensesAmt020157913
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt025258836
IRS990/ReconcilationRevenueExpnssAmt05856547
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt058320
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt050444620
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt064468013
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018530945
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06673082
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt010760286
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03463134
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt014223420
IRS990ScheduleD/EquipmentGrp/BookValueAmt02068240
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03987894
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06056134
IRS990ScheduleD/ExpensesNotReportedAmt0-1045
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt024620104
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt02872444
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02872444
IRS990ScheduleD/OtherExpensesIncludedAmt0-1045
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01744375
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01744375
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0505709867
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES AND SAVINGS
IRS990ScheduleD/OtherRevenueAmt01765829
IRS990ScheduleD/OtherRevenuesNotIncludedAmt01045
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt065783427
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt122973289
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt29925896
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt315245772
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt48531613
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt53915600
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
IRS990ScheduleD/RevenueNotReportedAmt01765829
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt01045
IRS990ScheduleD/RevenueSubtotalAmt030475606
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, 2014 AND 2013, 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 2011.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2BARGAIN PURCHASE GAIN 1,765,829.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3GAIN ON SALE OF FORECLOSED ASSETS 15,653. LOSS ON SALE OF FORECLOSED ASSETS -14,608.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt4GAIN ON SALE OF FORECLOSED ASSETS -15,653. LOSS ON SALE OF FORECLOSED ASSETS 14,608.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc3PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc4PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt017445345
IRS990ScheduleD/TotalBookValueSecuritiesAmt0126375597

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$598,991,686
Liabilities
$534,523,673
Net assets
$64,468,013
Revenue
$30,476,651
Expenses
$24,620,104
Net income
$5,856,547
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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