Civic Intelligence

Hpc Credit Union

EIN 38-1362849 • 501(c)14 • Alpena, MI

Profile

To serve and promote members' personal financial success and to continue the credit union philosophy of people helping people.

1234 W Chisholm StAlpena, MI 49707

hpccu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

26th percentile

0.87x

Higher debt load relative to assets than 26% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Liabilities / Revenue

94th percentile

25.37x

Higher debt load relative to revenue than 94% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Net Margin

15th percentile

2.0%

Higher net margin than 15% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

12th percentile

-3.5%

Faster asset growth than 12% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Revenue Growth

77th percentile

23%

Faster revenue growth than 77% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets26th percentile

Assets

Down

$153,945,735

Down $4,071,156 (-2.6%) from 2023

Liabilities

Down

$132,387,672

Down $5,369,804 (-3.9%) from 2023

Net Assets

Up

$21,558,063

Up $1,298,648 (+6.4%) from 2023

Operations
Liabilities / Revenue94th percentileNet Margin15th percentile

Revenue

Up

$6,826,736

Up $1,397,109 (+26%) from 2023

Expenses

Up

$5,528,088

Up $208,966 (+3.9%) from 2023

Net Income

Up

$1,298,648

Up $1,188,143 (+1075%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2010: $114,108,214Liabilities 2010: $101,616,009Net Assets 2010: $12,492,2052010Assets 2011: $112,860,356Liabilities 2011: $100,305,031Net Assets 2011: $12,555,3252011Assets 2012: $112,576,032Liabilities 2012: $99,385,259Net Assets 2012: $13,190,7732012Assets 2013: $113,266,039Liabilities 2013: $99,262,227Net Assets 2013: $14,003,8122013Assets 2014: $114,652,260Liabilities 2014: $99,909,725Net Assets 2014: $14,742,5352014Assets 2015: $117,539,163Liabilities 2015: $102,214,334Net Assets 2015: $15,324,8292015Assets 2016: $121,629,676Liabilities 2016: $105,739,870Net Assets 2016: $15,889,8062016Assets 2017: $124,073,933Liabilities 2017: $107,514,572Net Assets 2017: $16,559,3612017Assets 2018: $121,792,993Liabilities 2018: $104,228,838Net Assets 2018: $17,564,1552018Assets 2019: $123,370,577Liabilities 2019: $104,792,435Net Assets 2019: $18,578,1422019Assets 2020: $143,285,850Liabilities 2020: $124,046,044Net Assets 2020: $19,239,8062020Assets 2021: $158,654,438Liabilities 2021: $138,607,713Net Assets 2021: $20,046,7252021Assets 2022: $163,735,432Liabilities 2022: $143,586,522Net Assets 2022: $20,148,9102022Assets 2023: $158,016,891Liabilities 2023: $137,757,476Net Assets 2023: $20,259,4152023Assets 2024: $153,945,735Liabilities 2024: $132,387,672Net Assets 2024: $21,558,0632024

Highlighted filing

2024

Assets$153,945,735
Liabilities$132,387,672
Net Assets$21,558,063
Open 2024 Filing

Operations Trend

Revenue Growth77th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $3,789,2052010Expenses 2011: $3,531,5682011Revenue 2012: $3,429,696Expenses 2012: $2,794,248Net Income 2012: $635,4482012Revenue 2013: $3,169,384Expenses 2013: $2,356,345Net Income 2013: $813,0392013Revenue 2014: $3,074,331Expenses 2014: $2,335,608Net Income 2014: $738,7232014Revenue 2015: $3,044,577Expenses 2015: $2,462,283Net Income 2015: $582,2942015Revenue 2016: $3,094,330Expenses 2016: $2,529,353Net Income 2016: $564,9772016Revenue 2017: $3,310,033Expenses 2017: $2,640,478Net Income 2017: $669,5552017Revenue 2018: $3,879,019Expenses 2018: $2,874,225Net Income 2018: $1,004,7942018Revenue 2019: $4,242,783Expenses 2019: $3,228,796Net Income 2019: $1,013,9872019Revenue 2020: $4,224,932Expenses 2020: $3,563,268Net Income 2020: $661,6642020Revenue 2021: $4,477,208Expenses 2021: $3,670,250Net Income 2021: $806,9582021Revenue 2022: $4,415,579Expenses 2022: $4,313,394Net Income 2022: $102,1852022Revenue 2023: $5,429,627Expenses 2023: $5,319,122Net Income 2023: $110,5052023Revenue 2024: $6,826,736Expenses 2024: $5,528,088Net Income 2024: $1,298,6482024

Highlighted filing

2024

Revenue$6,826,736
Expenses$5,528,088
Net Income$1,298,648
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$153,945,735
Liabilities
$132,387,672
Net assets
$21,558,063
Revenue
$6,826,736
Expenses
$5,528,088
Net income
$1,298,648
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$154$132$21.6$6.83$5.53$1.30
2023Detailed filing. Detailed filing data is available for this year.$158$138$20.3$5.43$5.32$0.11
2022Detailed filing. Detailed filing data is available for this year.$164$144$20.1$4.42$4.31$0.10
2021Detailed filing. Detailed filing data is available for this year.$159$139$20.0$4.48$3.67$0.81
2020Detailed filing. Detailed filing data is available for this year.$143$124$19.2$4.22$3.56$0.66
2019Detailed filing. Detailed filing data is available for this year.$123$105$18.6$4.24$3.23$1.01
2018Detailed filing. Detailed filing data is available for this year.$122$104$17.6$3.88$2.87$1.00
2017Summary only. Only limited summary data is available for this year.$124$108$16.6$3.31$2.64$0.67
2016Detailed filing. Detailed filing data is available for this year.$122$106$15.9$3.09$2.53$0.56
2015Detailed filing. Detailed filing data is available for this year.$118$102$15.3$3.04$2.46$0.58
2014Detailed filing. Detailed filing data is available for this year.$115$99.9$14.7$3.07$2.34$0.74
2013Detailed filing. Detailed filing data is available for this year.$113$99.3$14.0$3.17$2.36$0.81
2012Summary only. Only limited summary data is available for this year.$113$99.4$13.2$3.43$2.79$0.64
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$113$100$12.6$3.53
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$114$102$12.5$3.79
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 29, 2025
Return Version
2024v5.1
Gross Receipts
$6,826,736
Mission and Program Overview

Mission

To serve and promote member's personal financial success and to continue the Credit Union philosophy of "People Helping People".

To serve and promote members' personal financial success and to continue the credit union philosophy of people helping people.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$76,868,472$90,193,214▲ $13,324,742
Savings and Temporary Cash Investments$39,257,429$37,996,083▼ $1,261,346
Rtn Earn Endowment Incm Other Fnds$20,259,415$21,558,063▲ $1,298,648
Investments Other Securities$35,069,193$12,271,097▼ $22,798,096
Investments in Publicly Traded Securities-$7,631,000-
Land, Buildings, and Equipment, Net$2,230,086$2,071,154▼ $158,932
Cash and Non-Interest-Bearing Accounts$2,206,583$1,755,368▼ $451,215
Accounts Receivable$617,013$226,752▼ $390,261
Prepaid Expenses and Deferred Charges$144,199$119,591▼ $24,608
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$158,016,891$153,945,735▼ $4,071,156
Other Assets Total$1,623,916$1,681,476▲ $57,560
Liabilities
Other Liabilities$136,523,363$131,876,687▼ $4,646,676
Accounts Payable and Accrued Expenses$1,234,113$510,985▼ $723,128
Total Liabilities$137,757,476$132,387,672▼ $5,369,804
Net Assets / Fund Balance
Total Net Assets Fund Balance$20,259,415$21,558,063▲ $1,298,648
Total Liabilities and Net Assets / Fund Balance$158,016,891$153,945,735▼ $4,071,156

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,303,330$875,328$2,178,658
Other Land Buildings$459,046$1,551,136$2,010,182
Land$308,778-$308,778
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dennis WernerCEOFT$182,021$46,486$228,507
Julie HansenCFOFT$131,608$53,628$185,236
Thomas HendricksVice PresidentFT$130,929$41,681$172,610
Christine CurleyCOOFT$78,181$19,296$97,477

Board Members and Trustees

NameTitle
Jon BensonChairman
Andrew LampDirector
Mark LeeDirector
Mary CrittendenDirector
Robert IlsleyDirector
William MischleySecretary
James MalaskiTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CuanswersData Processing6000 28TH STREET SE, Grand Rapids, MI 49546$249,558
Redrock Information Security LLCIt/network Services1101 40TH ST SE, Grand Rapids, MI 49508$203,069
Diebold Nixdorf INCAtm Services350 ORCHARD AVE NE, North Canton, OH 44720$155,927
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,945,193
Investment Income
$1,874,691
Other Revenue
$6,852
Change in Net Assets
$1,298,648
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,145,588
Salaries, Compensation, and Employee Benefits$2,382,500
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,308,199
Other Salaries and Wages---$1,271,120
Current Officers, Directors, Trustees, and Key Employees---$683,830
Office Expenses---$416,710
Information Technology---$266,309
Advertising---$233,287
Other Employee Benefits---$186,430
Depreciation Depletion---$163,690
Occupancy---$158,076
Payroll Taxes---$152,795
Travel---$123,267
Pension Plan Contributions---$88,325
Fees for Services Legal---$18,316
Insurance---$17,440
Payments to Affiliates---$12,260
Other Expenses---$-457,575
Total Functional Expenses$0$0$0$5,528,088
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$131,852,411
Other Liabilities$24,276
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
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

“Section 501(c)(14) credit union is composed of members.”

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

“Members vote on bylaws and charter changes. Members vote and elect board members at annual meeting.”

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

“Mergers and bylaw changes are voted on by entire membership.”

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

“Management reviews tax returns and forwards us form 8879-te to tax preparer. Board of directors reviews filed tax return at next scheduled meeting.”

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

“Employee loans are mangement approved. Management loans are board approved. Loans to board members are approved by the board with the lendee obstaining.”

Form 990, Part VI, Section B, Line 15A

“Executive and employee salaries are board reviewed and approved. Board of directors are volunteers and not compensated.”

Form 990, Part VI, Section B, Line 15B

“Employee salaries are board reviewed and approved.”

Form 990, Part VI, Section C, Line 19

“Credit union bylaws are available upon request at the credit unions main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance form 5300 call report are available at ncua.gov for all federally insured credit unions.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State
EIN
38-1362849
Phone
9893544698
Address
1234 W CHISHOLM ST, ALPENA, MI 49707

Signing Officer

Name
Dennis Werner
Title
CEO
Signed
2025-04-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dennis Werner
Formed
1950
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
39
Volunteers
9

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Donald E Lingerfelt
Phone
8005225820
Raw XML AppendixShowing 400 of 465 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/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt3COO
IRS990/Form990PartVIISectionAGrp/TitleTxt4Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt9Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
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IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
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IRS990/OccupancyGrp/TotalAmt0158076
IRS990/OfficeExpensesGrp/TotalAmt0416710
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IRS990/OperateHospitalInd0false
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IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01623916
IRS990/OtherAssetsTotalGrp/EOYAmt01681476
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0186430
IRS990/OtherExpensesGrp/Desc0PROF. & OUTSIDE
IRS990/OtherExpensesGrp/Desc1LOAN SERVICE EXPENSE
IRS990/OtherExpensesGrp/Desc2OTHER
IRS990/OtherExpensesGrp/Desc3PROVISION FOR CREDIT LOSSES
IRS990/OtherExpensesGrp/TotalAmt0425713
IRS990/OtherExpensesGrp/TotalAmt1397310
IRS990/OtherExpensesGrp/TotalAmt262586
IRS990/OtherExpensesGrp/TotalAmt3-457575
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt090193214
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IRS990/PoliticalCampaignActyInd0false
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0119591
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IRS990/ProgramServiceRevenueGrp/Desc0FEES AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INSURANCE SALES
IRS990/ProgramServiceRevenueGrp/Desc2LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc3SHARED BRANCHING
IRS990/ProgramServiceRevenueGrp/Desc4WARRANTY SALES
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14446274
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt18318
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt24446274
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt413600
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt09801
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt18318
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IRS990/PYInvestmentIncomeAmt01598392
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt03237911
IRS990/PYProgramServiceRevenueAmt03831235
IRS990/PYRevenuesLessExpensesAmt0110505
IRS990/PYSalariesCompEmpBnftPaidAmt02081211
IRS990/PYTotalExpensesAmt05319122
IRS990/PYTotalRevenueAmt05429627
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt01298648
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/RoyaltiesGrp/TotalAmt00
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt037996083
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt0875328
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IRS990ScheduleD/LandGrp/BookValueAmt0308778
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0308778
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0459046
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt01551136
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt02010182
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0131852411
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt124276
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OTHER LIABILITIES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02071154
IRS990ScheduleD/TotalBookValueSecuritiesAmt012271097
IRS990ScheduleD/TotalLiabilityAmt0131876687
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IRS990/ScheduleJRequiredInd0true
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1131608
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2130929
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount015000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount112000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount212000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt020069
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt114774
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt214828
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt02620
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt126062
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt214061
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt08797
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt1792
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt2792
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DENNIS WERNER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1JULIE HANSEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2THOMAS HENDRICKS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2Vice President
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1185236
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2172610
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SECTION 501(C)(14) CREDIT UNION IS COMPOSED OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS VOTE ON BYLAWS AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS AT ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MERGERS AND BYLAW CHANGES ARE VOTED ON BY ENTIRE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-TE TO TAX PREPARER. BOARD OF DIRECTORS REVIEWS FILED TAX RETURN AT NEXT SCHEDULED MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EMPLOYEE LOANS ARE MANGEMENT APPROVED. MANAGEMENT LOANS ARE BOARD APPROVED. LOANS TO BOARD MEMBERS ARE APPROVED BY THE BOARD WITH THE LENDEE OBSTAINING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE VOLUNTEERS AND NOT COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CREDIT UNION BYLAWS ARE AVAILABLE UPON REQUEST AT THE CREDIT UNIONS MAIN OFFICE. QUARTERLY FINANCIAL STATEMENTS ARE DISPLAYED IN THE LOBBY WHICH IS ACCESSIBLE TO THE GENERAL PUBLIC. QUARTERLY FINANCIAL PERFORMANCE FORM 5300 CALL REPORT ARE AVAILABLE AT NCUA.GOV FOR ALL FEDERALLY INSURED CREDIT UNIONS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, Line 19
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0158016891
IRS990/TotalAssetsEOYAmt0153945735

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