Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2017 • EIN 38-1406340

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 11, 2018

Organization ProfileWWW.THELOCALCREDITUNION.COM

View Organization Page

39139 Mound RoadSterling Heights, MI 48310

(586) 264-1212

Siviq Scores

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

Liabilities / Assets

23rd percentile

0.85x

Higher debt load relative to assets than 23% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Liabilities / Revenue

45th percentile

18.32x

Higher debt load relative to revenue than 45% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Net Margin

40th percentile

7.4%

Higher net margin than 40% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Top Officer Pay

86th percentile

$206,687

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 4.8% of source-year revenue.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Asset Growth

21st percentile

0.1%

Faster asset growth than 21% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Revenue Growth

98th percentile

23%

Faster revenue growth than 98% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets23rd percentile

Assets

Up

$92,953,529

Up $55,119 (+0.1%) from 2016

Net Assets

Up

$13,714,109

Up $402,546 (+3.0%) from 2016

Liabilities

Down

$79,239,420

Down $347,427 (-0.4%) from 2016

Revenue And Expenses
Liabilities / Revenue45th percentileNet Margin40th percentile

Revenue

Up

$4,326,376

Up $804,317 (+23%) from 2016

Expenses

Up

$4,005,724

Up $546,537 (+16%) from 2016

Net Income

Up

$320,652

Up $257,780 (+410%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth21st percentile

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

$150M$100M$50M$0Assets 2010: $99,035,342Liabilities 2010: $88,721,746Net Assets 2010: $10,313,5962010Assets 2011: $103,322,158Liabilities 2011: $92,047,030Net Assets 2011: $11,275,1282011Assets 2012: $105,828,963Liabilities 2012: $92,358,509Net Assets 2012: $13,470,4542012Assets 2013: $98,298,295Liabilities 2013: $86,437,589Net Assets 2013: $11,860,7062013Assets 2014: $94,746,103Liabilities 2014: $81,087,910Net Assets 2014: $13,658,1932014Assets 2015: $94,321,282Liabilities 2015: $80,876,818Net Assets 2015: $13,444,4642015Assets 2016: $92,898,410Liabilities 2016: $79,586,847Net Assets 2016: $13,311,5632016Assets 2017: $92,953,529Liabilities 2017: $79,239,420Net Assets 2017: $13,714,1092017Assets 2018: $90,749,164Liabilities 2018: $77,157,515Net Assets 2018: $13,591,6492018Assets 2019: $96,044,155Liabilities 2019: $81,244,287Net Assets 2019: $14,799,8682019Assets 2020: $108,248,779Liabilities 2020: $92,613,198Net Assets 2020: $15,635,5812020Assets 2021: $111,102,892Liabilities 2021: $96,179,949Net Assets 2021: $14,922,9432021Assets 2022: $107,543,903Liabilities 2022: $95,781,089Net Assets 2022: $11,762,8142022Assets 2023: $106,015,170Liabilities 2023: $93,422,662Net Assets 2023: $12,592,5082023Assets 2024: $102,891,778Liabilities 2024: $89,030,069Net Assets 2024: $13,861,7092024

Highlighted filing

2017

Assets$92,953,529
Liabilities$79,239,420
Net Assets$13,714,109
Open 2017 Filing

Operations Trend

Revenue Growth98th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $4,286,5492010Expenses 2011: $3,919,0792011Expenses 2012: $3,740,1072012Revenue 2013: $3,744,875Expenses 2013: $3,349,192Net Income 2013: $395,6832013Revenue 2014: $3,276,903Expenses 2014: $3,064,477Net Income 2014: $212,4262014Revenue 2015: $3,235,688Expenses 2015: $3,303,802Net Income 2015: -$68,1142015Revenue 2016: $3,522,059Expenses 2016: $3,459,187Net Income 2016: $62,8722016Revenue 2017: $4,326,376Expenses 2017: $4,005,724Net Income 2017: $320,6522017Revenue 2018: $4,604,765Expenses 2018: $4,333,298Net Income 2018: $271,4672018Revenue 2019: $4,809,238Expenses 2019: $4,466,724Net Income 2019: $342,5142019Revenue 2020: $4,603,095Expenses 2020: $4,402,458Net Income 2020: $200,6372020Revenue 2021: $4,726,169Expenses 2021: $4,435,369Net Income 2021: $290,8002021Revenue 2022: $4,896,131Expenses 2022: $4,552,199Net Income 2022: $343,9322022Revenue 2023: $5,229,098Expenses 2023: $5,061,470Net Income 2023: $167,6282023Revenue 2024: $5,651,272Expenses 2024: $5,350,420Net Income 2024: $300,8522024

Highlighted filing

2017

Revenue$4,326,376
Expenses$4,005,724
Net Income$320,652
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 11, 2018
Return Version
2017v2.3
Gross Receipts
$5,301,203
Mission and Program Overview

Mission

To provide our members with an innovative and quality full service financial system.

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$42,820,179$47,972,566▲ $5,152,387
Investments in Publicly Traded Securities$41,655,007$38,903,631▼ $2,751,376
Rtn Earn Endowment Incm Other Fnds$13,311,563$13,714,109▲ $402,546
Savings and Temporary Cash Investments$4,843,247$2,317,041▼ $2,526,206
Cash and Non-Interest-Bearing Accounts$736,237$823,576▲ $87,339
Investments Other Securities$741,800$741,800→ $0
Land, Buildings, and Equipment, Net$251,998$299,869▲ $47,871
Prepaid Expenses and Deferred Charges$197,047$181,203▼ $15,844
Receivables From Officers Etc$144,539$138,897▼ $5,642
Accounts Receivable$44,789$89,224▲ $44,435
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$92,898,410$92,953,529▲ $55,119
Other Assets Total$1,463,567$1,485,722▲ $22,155
Liabilities
Other Liabilities$78,645,853$78,322,694▼ $323,159
Accounts Payable and Accrued Expenses$940,994$916,726▼ $24,268
Total Liabilities$79,586,847$79,239,420▼ $347,427
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,311,563$13,714,109▲ $402,546
Total Liabilities and Net Assets / Fund Balance$92,898,410$92,953,529▲ $55,119

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$191,164$498,672$689,836
Buildings$96,434$464,562$560,996
Land$12,271-$12,271
Compensation and Service Providers
Top Officer Pay86th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Joseph HallmanPresident/CEOFT$166,682$40,005$206,687
H Frank Voelker IiAccounting ManagerFT$67,277$14,418$81,695

Board Members and Trustees

NameTitle
Joseph CusenzaChairperson
Jimmie ColeV. Chairperson
Carl MalfitanoDirector
Michael WagnerDirector
Robert GowatchDirector
Kenneth JurinicSecretary
Nicole DidiaTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Co-op Financial Services INCAtm And Shared Branching Services9692 HAVEN AVE, Rancho Cucamonga, CA 91730-5891$331,171
Corelation INCCore Software2305 HISTORIC DECATUR RD STE 300, San Diego, CA 92106-6073$124,143
Wescom Resources GroupSoftware License, Maintenance, And Profe5601 E LA PALMA AVE, Anaheim, CA 92807-2109$115,968
John M Floyd & AssociatesConsulting Services125 N BURNETT DR, Baytown, TX 77520-1103$110,257
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,353,419
Investment Income
$972,957
Other Revenue
$0
Change in Net Assets
$320,652

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,326,376
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$4,326,376
Total Revenue per Form 990
$4,326,376
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,480,386
Salaries, Compensation, and Employee Benefits$1,525,338
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$785,413
Interest---$523,127
Other Employee Benefits---$288,959
Current Officers, Directors, Trustees, and Key Employees---$288,382
Information Technology---$287,229
Office Expenses---$216,557
Fees for Services Other---$169,130
Advertising---$132,150
Payroll Taxes---$91,911
Depreciation Depletion---$82,895
Pension Plan Contributions---$70,673
Other Expenses---$63,603
All Other Expenses---$59,355
Conferences and Meetings---$42,215
Fees for Service Investment Mgmnt Fees---$34,634
Occupancy---$28,893
Insurance---$24,675
Fees for Services Legal---$14,646
Total Functional Expenses$0$0$0$4,005,724

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,005,724
Total Expenses per Audited Statements$4,005,724
Total Expenses per Form 990$4,005,724
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$144,539$138,897▼ $5,642
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$78,322,694
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 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 are nominated or elected by membership vote when there are additional candidates. Each board member is elected for a three year term.”

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

“Credit union decisions that are subject to membership approval are those dictated by the michigan credit union act and bylaws.”

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

“A review is conducted by the president/ceo, accounting manager, and the board of directors prior to submission to the irs.”

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

“Employees, board of directors, and supervisory committee members are required annually to review the policy and sign a conflict of interest acknowledgement form.”

Form 990, Part VI, Section B, Line 15

“Compensation surveys are used for management increases and these are based on performance. The last compensation review was performed in 2017. The board of directors approves compensation adjustments for all credit union employees.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union lobby. Other documents and policies are available for review upon request.”

Filing and Contact Details

Filer

Filer Name
The Local Credit Union
EIN
38-1406340
Phone
5862641212
Address
39139 MOUND ROAD, STERLING HEIGHTS, MI 48310

Signing Officer

Name
Joseph Hallman
Title
President/CEO
Phone
5862641212
Signed
2018-11-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joseph Hallman
Formed
1949
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
23
Volunteers
11

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
John Miller
Phone
2482443000
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“MISCELLANEOUS 59,355.”

Form 990, Part XII, Line 2C

“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt by statute from federal and state income taxes, but still may be subject to unrelated business income tax (ubit). Unrelated business income is income from a trade or business regularly carried on by a tax exempt organization that is not substantially related to the organization's exempt purposes.”

Raw XML AppendixShowing 400 of 516 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.

Path#Value
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3JOHN M FLOYD & ASSOCIATES
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IRS990/Form990PartVIISectionAGrp/TitleTxt1V. CHAIRPERSON
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IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990/InformationTechnologyGrp/TotalAmt0287229
IRS990/InsuranceGrp/TotalAmt024675
IRS990/InterestGrp/TotalAmt0523127
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0913367
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0913367
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0741800
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0741800
IRS990/InvestmentsPubTradedSecGrp/BOYAmt041655007
IRS990/InvestmentsPubTradedSecGrp/EOYAmt038903631
IRS990/IRPDocumentCnt01074
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0963234
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0251998
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0299869
IRS990/LandBldgEquipCostOrOtherBssAmt01263103
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt071363
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0903464
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE OUR MEMBERS WITH AN INNOVATIVE AND QUALITY FULL SERVICE FINANCIAL SYSTEM.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt013311563
IRS990/NetAssetsOrFundBalancesEOYAmt013714109
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt059590
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt059590
IRS990/NetUnrelatedBusTxblIncmAmt0-47211
IRS990/NetUnrlzdGainsLossesInvstAmt081894
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt028893
IRS990/OfficeExpensesGrp/TotalAmt0216557
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01463567
IRS990/OtherAssetsTotalGrp/EOYAmt01485722
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0288959
IRS990/OtherExpensesGrp/Desc0ATM EXPENSES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3SHARED BRANCHING
IRS990/OtherExpensesGrp/TotalAmt0299741
IRS990/OtherExpensesGrp/TotalAmt1273542
IRS990/OtherExpensesGrp/TotalAmt2227994
IRS990/OtherExpensesGrp/TotalAmt363603
IRS990/OtherLiabilitiesGrp/BOYAmt078645853
IRS990/OtherLiabilitiesGrp/EOYAmt078322694
IRS990/OtherSalariesAndWagesGrp/TotalAmt0785413
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt042820179
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt047972566
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt091911
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt070673
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0197047
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0181203
IRS990/PrincipalOfficerNm0JOSEPH HALLMAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/BusinessCd4524298
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHER
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATMS
IRS990/ProgramServiceRevenueGrp/Desc3SHARED BRANCHING
IRS990/ProgramServiceRevenueGrp/Desc4INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02061698
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11261662
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02061698
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11261662
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt216912
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt312747
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4400
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt016912
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt112747
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt2400
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 3,529 LOANS INCLUDING VEHICLE, SIGNATURE, CREDIT CARD, MORTGAGE, HOME EQUITY, OVERDRAFT PROTECTION AND RECREATIONAL VEHICLE.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, CHECK CASHING, MONEY ORDERS, BILL PAYMENTS, WIRE TRANSFERS AND VARIOUS INSURANCE PROGRAMS TO OUR MEMBERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01011896
IRS990/PYOtherExpensesAmt02105593
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02510163
IRS990/PYRevenuesLessExpensesAmt062872
IRS990/PYSalariesCompEmpBnftPaidAmt01353594
IRS990/PYTotalExpensesAmt03459187
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03522059
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0144539
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0138897
IRS990/ReconcilationRevenueExpnssAmt0320652
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt013311563
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt013714109
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04843247
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02317041
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt096434
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0464562
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0560996
IRS990ScheduleD/EquipmentGrp/BookValueAmt0191164
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0498672
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0689836
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt04005724
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt012271
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt012271
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt078322694
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt04326376
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL AND STATE INCOME TAXES, BUT STILL MAY BE SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). UNRELATED BUSINESS INCOME IS INCOME FROM A TRADE OR BUSINESS REGULARLY CARRIED ON BY A TAX EXEMPT ORGANIZATION THAT IS NOT SUBSTANTIALLY RELATED TO THE ORGANIZATION'S EXEMPT PURPOSES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0299869
IRS990ScheduleD/TotalExpensesPerForm990Amt04005724
IRS990ScheduleD/TotalLiabilityAmt078322694
IRS990ScheduleD/TotalRevenuePerForm990Amt04326376
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04326376
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt04005724
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0166682
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount03001
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt012766
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt024238
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOSEPH HALLMAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0206687
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt02440
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt120642
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt211303
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt380647
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt411907
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt510971
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt6987
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0USED VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1USED VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2USED VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3FIRST MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4USED VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5CERTIFICATE SECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6CERTIFICATE SECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt012621
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt125548
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt213868
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt393268
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt428889
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt523900
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt65000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JOSEPH HALLMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1JOSEPH HALLMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2JOSEPH HALLMAN

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$92,953,529
Liabilities
$79,239,420
Net assets
$13,714,109
Revenue
$4,326,376
Expenses
$4,005,724
Net income
$320,652
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$103$89.0$13.9$5.65$5.35$0.30
2023Detailed filing. Detailed filing data is available for this year.$106$93.4$12.6$5.23$5.06$0.17
2022Detailed filing. Detailed filing data is available for this year.$108$95.8$11.8$4.90$4.55$0.34
2021Detailed filing. Detailed filing data is available for this year.$111$96.2$14.9$4.73$4.44$0.29
2020Detailed filing. Detailed filing data is available for this year.$108$92.6$15.6$4.60$4.40$0.20
2019Detailed filing. Detailed filing data is available for this year.$96.0$81.2$14.8$4.81$4.47$0.34
2018Detailed filing. Detailed filing data is available for this year.$90.7$77.2$13.6$4.60$4.33$0.27
2017Detailed filing. Detailed filing data is available for this year.$93.0$79.2$13.7$4.33$4.01$0.32
2016Detailed filing. Detailed filing data is available for this year.$92.9$79.6$13.3$3.52$3.46$0.06
2015Detailed filing. Detailed filing data is available for this year.$94.3$80.9$13.4$3.24$3.30$0.07
2014Detailed filing. Detailed filing data is available for this year.$94.7$81.1$13.7$3.28$3.06$0.21
2013Detailed filing. Detailed filing data is available for this year.$98.3$86.4$11.9$3.74$3.35$0.40
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$106$92.4$13.5$3.74
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$103$92.0$11.3$3.92
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$99.0$88.7$10.3$4.29