Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2014 • EIN 38-1438667

Jan 01, 2014 to Dec 31, 2014 • Filed on Oct 09, 2015

Organization ProfileWWW.CONSUMERSCU.ORG

View Organization Page

7040 Stadium DriveOshtemo, MI 49077-0525

(269) 345-7804

Siviq Scores

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

Liabilities / Assets

65th percentile

0.90x

Higher debt load relative to assets than 65% of similar nonprofits.

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

Liabilities / Revenue

17th percentile

14.05x

Higher debt load relative to revenue than 17% of similar nonprofits.

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

Net Margin

78th percentile

21%

Higher net margin than 78% of similar nonprofits.

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

Top Officer Pay

85th percentile

$641,249

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

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

Asset Growth

93rd percentile

17%

Faster asset growth than 93% of similar nonprofits.

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

Revenue Growth

85th percentile

9.4%

Faster revenue growth than 85% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets65th percentile

Assets

Up

$587,472,564

Up $85,419,439 (+17%) from 2013

Net Assets

Up

$56,795,908

Up $8,025,520 (+16%) from 2013

Liabilities

Up

$530,676,656

Up $77,393,919 (+17%) from 2013

Revenue And Expenses
Liabilities / Revenue17th percentileNet Margin78th percentile

Revenue

Up

$37,783,410

Up $3,246,458 (+9.4%) from 2013

Expenses

Up

$29,757,890

Up $1,825,646 (+6.5%) from 2013

Net Income

Up

$8,025,520

Up $1,420,812 (+22%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth93rd percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $352,828,373Liabilities 2010: $321,300,600Net Assets 2010: $31,527,7732010Assets 2011: $364,238,000Liabilities 2011: $330,496,833Net Assets 2011: $33,741,1672011Assets 2012: $430,623,843Liabilities 2012: $388,458,163Net Assets 2012: $42,165,6802012Assets 2013: $502,053,125Liabilities 2013: $453,282,737Net Assets 2013: $48,770,3882013Assets 2014: $587,472,564Liabilities 2014: $530,676,656Net Assets 2014: $56,795,9082014Assets 2015: $676,198,799Liabilities 2015: $610,852,438Net Assets 2015: $65,346,3612015Assets 2016: $809,890,682Liabilities 2016: $734,127,160Net Assets 2016: $75,763,5222016Assets 2017: $934,275,386Liabilities 2017: $846,261,747Net Assets 2017: $88,013,6392017Assets 2018: $1,092,793,146Liabilities 2018: $992,393,579Net Assets 2018: $100,399,5672018Assets 2019: $1,242,455,564Liabilities 2019: $1,126,308,486Net Assets 2019: $116,147,0782019Assets 2020: $1,476,727,502Liabilities 2020: $1,339,887,600Net Assets 2020: $136,839,9022020Assets 2021: $1,803,218,783Liabilities 2021: $1,638,240,761Net Assets 2021: $164,978,0222021Assets 2022: $2,031,988,351Liabilities 2022: $1,843,965,051Net Assets 2022: $188,023,3002022Assets 2023: $2,206,395,595Liabilities 2023: $2,003,843,255Net Assets 2023: $202,552,3402023Assets 2024: $2,421,874,191Liabilities 2024: $2,197,443,226Net Assets 2024: $224,430,9652024

Highlighted filing

2014

Assets$587,472,564
Liabilities$530,676,656
Net Assets$56,795,908
Open 2014 Filing

Operations Trend

Revenue Growth85th percentile

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

$200M$150M$100M$50M$0Expenses 2010: $28,816,9582010Expenses 2011: $26,796,3862011Expenses 2012: $23,604,9832012Revenue 2013: $34,536,952Expenses 2013: $27,932,244Net Income 2013: $6,604,7082013Revenue 2014: $37,783,410Expenses 2014: $29,757,890Net Income 2014: $8,025,5202014Revenue 2015: $42,934,409Expenses 2015: $34,383,956Net Income 2015: $8,550,4532015Revenue 2016: $49,668,739Expenses 2016: $39,251,578Net Income 2016: $10,417,1612016Revenue 2017: $56,872,419Expenses 2017: $44,622,302Net Income 2017: $12,250,1172017Revenue 2018: $68,117,784Expenses 2018: $55,731,856Net Income 2018: $12,385,9282018Revenue 2019: $82,426,936Expenses 2019: $66,679,425Net Income 2019: $15,747,5112019Revenue 2020: $95,997,052Expenses 2020: $75,304,228Net Income 2020: $20,692,8242020Revenue 2021: $105,757,638Expenses 2021: $77,619,518Net Income 2021: $28,138,1202021Revenue 2022: $106,396,713Expenses 2022: $83,351,435Net Income 2022: $23,045,2782022Revenue 2023: $132,085,885Expenses 2023: $110,953,066Net Income 2023: $21,132,8192023Revenue 2024: $160,612,923Expenses 2024: $138,734,298Net Income 2024: $21,878,6252024

Highlighted filing

2014

Revenue$37,783,410
Expenses$29,757,890
Net Income$8,025,520
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Oct 9, 2015
Return Version
2014v5.0
Gross Receipts
$38,742,446
Mission and Program Overview

Mission

To provide quality and innovative financial products and services that contribute to the economic and social well-being of our membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$419,682,191$495,031,694▲ $75,349,503
Rtn Earn Endowment Incm Other Fnds$48,770,388$56,795,908▲ $8,025,520
Savings and Temporary Cash Investments$40,416,961$44,105,730▲ $3,688,769
Land, Buildings, and Equipment, Net$21,860,674$23,519,461▲ $1,658,787
Cash and Non-Interest-Bearing Accounts$6,702,213$9,243,761▲ $2,541,548
Investments Other Securities$2,109,896$3,432,895▲ $1,322,999
Prepaid Expenses and Deferred Charges$833,971$538,882▼ $295,089
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$502,053,125$587,472,564▲ $85,419,439
Other Assets Total$10,447,219$11,600,141▲ $1,152,922
Liabilities
Other Liabilities$410,303,304$479,952,187▲ $69,648,883
Mortgage Notes Payable Secured by Investment Property$39,000,000$46,000,000▲ $7,000,000
Accounts Payable and Accrued Expenses$3,979,433$3,833,205▼ $146,228
Escrow Account Liability$0$891,264▲ $891,264
Total Liabilities$453,282,737$530,676,656▲ $77,393,919
Net Assets / Fund Balance
Total Net Assets Fund Balance$48,770,388$56,795,908▲ $8,025,520
Total Liabilities and Net Assets / Fund Balance$502,053,125$587,472,564▲ $85,419,439

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,909,142$2,277,908$12,187,050
Equipment$2,941,943$8,786,835$11,728,778
Land$8,000,008-$8,000,008
Other Land Buildings$1,960,424-$1,960,424
Leasehold Improvements$707,944$327,221$1,035,165
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kit SnyderCEOFT$350,600$290,649$641,249
Scott SylvesterCOOFT$167,541$100,228$267,769
Steve HowardCFOFT$124,022$80,766$204,788
Steve OwensCLOFT$116,943$79,559$196,502
Shawn PremerChroFT$97,732$65,959$163,691
Lynne Jarman-johnsonCMOFT$122,769$21,392$144,161
Jeff VisserCSOFT$111,115$29,709$140,824

Board Members and Trustees

NameTitle
Brad LawtonChairperson
Rodney AdamsVice Chairperson
Brent BassettDirector
Frank EagleDirector
Stephanie MorleyDirector
Kevin McphersonDirector (part Year)
Kim ShookDirector (part Year)
Nancy ThompsonDirector (part Year)
PATRICK O'CONNORSecretary
Daniel CrandallTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Lennon Miller O'connor & BartosiewiczLegal Services151 SOUTH ROSE STREET, Kalamazoo, MI 49007$202,708
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$37,726,705
Investment Income
$56,705
Other Revenue
$0
Change in Net Assets
$8,025,520

Audited Revenue Reconciliation

Revenue per Audited Statements
$37,946,140
Revenue Not Reported on Financial Statements
$-162,730
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-162,730
Total Revenue per Audited Statements
$37,946,140
Total Revenue per Form 990
$37,783,410
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,656,336
Salaries, Compensation, and Employee Benefits$13,101,554
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,175,446
Office Expenses---$2,884,033
Other Employee Benefits---$1,684,132
Depreciation Depletion---$1,436,287
Information Technology---$1,168,030
Advertising---$1,123,084
Occupancy---$1,013,866
Payroll Taxes---$855,610
Current Officers, Directors, Trustees, and Key Employees---$846,037
Interest---$807,029
Pension Plan Contributions---$540,329
Other Expenses---$471,585
Fees for Services Legal---$345,957
All Other Expenses---$286,924
Travel---$135,952
Conferences and Meetings---$117,809
Insurance---$53,580
Fees for Services Accounting---$52,163
Total Functional Expenses$0$0$0$29,757,890

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$29,920,620
Expenses per Audited Statements$29,757,890
Total Expenses per Form 990$29,757,890
Expenses Not Reported on Form 990$162,730
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
Member Shares$479,952,187
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Each individual that has an account with the credit union is a member.”

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

“Each member is allowed to vote for the governing body at the annual meeting.”

Form 990, Part VI, Section B, Line 11

“The form 990 will not be provided to the organization's governing body for review prior to filing. Members of management will review the 990 prior to filing.”

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

“The organization uses independent compensation consultants and compensation surveys to determine compensation of top management officials. Compensation is approved by the board of directors and the compensation committee. All discussions and decisions are documented in the board minutes. The most recent year this process was undertaken was 2014.”

Form 990, Part VI, Section C, Line 19

“Documents that are open to public inspection are available upon request.”

Filing and Contact Details

Filer

Filer Name
Consumers Credit Union
EIN
38-1438667
Phone
2693457804
Address
7040 STADIUM DRIVE, OSHTEMO, MI 49077-0525

Signing Officer

Name
Kit Snyder
Title
CEO
Phone
2693457804
Signed
2015-10-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kit Snyder
Formed
1951
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
228
Volunteers
7

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 XII, LINE 2C:

“Audit oversight 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 $1,781,000 and $1,553,000 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 income taxes on income related to the exempt purpose of the credit union. The credit union is a state-chartered credit union described in internal revenue code ("irc") section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. Many states have similar laws. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been an issue for many years. In 2007, the internal revenue service ("irs") issued a series of technical advice memoranda ("tam") to a number of state-chartered credit unions located throughout the country. In these tams, the irs ruled certain products and services to be subject to taxation as unrelated business income. In light of the tams, the credit union has assessed its activities and any potential federal or state income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purpose is not expected to have a material effect on the credit union's financial position or results of operations.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Loss on other real estate owned -162,730.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Loss on other real estate owned 162,730.”

Raw XML AppendixShowing 400 of 554 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/ReportableCompFromOrgAmt16122769
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/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR (PART YEAR)
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR (PART YEAR)
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR (PART YEAR)
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt13COO
IRS990/Form990PartVIISectionAGrp/TitleTxt14CSO
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHRO
IRS990/Form990PartVIISectionAGrp/TitleTxt16CMO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01951
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-162730
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0796306
IRS990/GrossReceiptsAmt038742446
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01168030
IRS990/InsuranceGrp/TotalAmt053580
IRS990/InterestGrp/TotalAmt0807029
IRS990/InvestmentIncomeGrp/ExclusionAmt0219435
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0219435
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt02109896
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt03432895
IRS990/IRPDocumentCnt022661
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt011391964
IRS990/LandBldgEquipBasisNetGrp/BOYAmt021860674
IRS990/LandBldgEquipBasisNetGrp/EOYAmt023519461
IRS990/LandBldgEquipCostOrOtherBssAmt034911425
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0959036
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE QUALITY AND INNOVATIVE FINANCIAL PRODUCTS AND SERVICES THAT CONTRIBUTE TO THE ECONOMIC AND SOCIAL WELL-BEING OF OUR MEMBERSHIP.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt039000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt046000000
IRS990/NetAssetsOrFundBalancesBOYAmt048770388
IRS990/NetAssetsOrFundBalancesEOYAmt056795908
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-162730
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-162730
IRS990/NetUnrelatedBusTxblIncmAmt0-58197
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01013866
IRS990/OfficeExpensesGrp/TotalAmt02884033
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt010447219
IRS990/OtherAssetsTotalGrp/EOYAmt011600141
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01684132
IRS990/OtherExpensesGrp/Desc0INTEREST AND DIVIDENDS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS EXPENSE
IRS990/OtherExpensesGrp/TotalAmt02984058
IRS990/OtherExpensesGrp/TotalAmt12475979
IRS990/OtherExpensesGrp/TotalAmt21300000
IRS990/OtherExpensesGrp/TotalAmt3471585
IRS990/OtherLiabilitiesGrp/BOYAmt0410303304
IRS990/OtherLiabilitiesGrp/EOYAmt0479952187
IRS990/OtherSalariesAndWagesGrp/TotalAmt09175446
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0419682191
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0495031694
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0855610
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0540329
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0833971
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0538882
IRS990/PrincipalOfficerNm0KIT SNYDER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2SALE OF LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt021930512
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt115121900
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2563731
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt021930512
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt115232462
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2563731
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0110562
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0-19558
IRS990/PYOtherExpensesAmt015690273
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt034556510
IRS990/PYRevenuesLessExpensesAmt06604708
IRS990/PYSalariesCompEmpBnftPaidAmt012241971
IRS990/PYTotalExpensesAmt027932244
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt034536952
IRS990/ReconcilationRevenueExpnssAmt08025520
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt048770388
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt056795908
IRS990/SavingsAndTempCashInvstGrp/BOYAmt040416961
IRS990/SavingsAndTempCashInvstGrp/EOYAmt044105730
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt09909142
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02277908
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt012187050
IRS990ScheduleD/EquipmentGrp/BookValueAmt02941943
IRS990ScheduleD/EquipmentGrp/DepreciationAmt08786835
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt011728778
IRS990ScheduleD/ExpensesNotReportedAmt0162730
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt029757890
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt08000008
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt08000008
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0707944
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0327221
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01035165
IRS990ScheduleD/OtherExpensesIncludedAmt0162730
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01960424
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01960424
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0479952187
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-162730
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-162730
IRS990ScheduleD/RevenueSubtotalAmt037946140
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 INCOME TAXES ON INCOME RELATED TO THE EXEMPT PURPOSE OF THE CREDIT UNION. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE ("IRC") SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AN ISSUE FOR MANY YEARS. IN 2007, THE INTERNAL REVENUE SERVICE ("IRS") ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2LOSS ON OTHER REAL ESTATE OWNED -162,730.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3LOSS ON OTHER REAL ESTATE OWNED 162,730.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc3PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt023519461
IRS990ScheduleD/TotalExpensesPerForm990Amt029757890
IRS990ScheduleD/TotalLiabilityAmt0479952187
IRS990ScheduleD/TotalRevenuePerForm990Amt037783410
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt037946140
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt029920620
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/FirstClassOrCharterTravelInd0X
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0350600
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1124022
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2116943
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3167541
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt497732
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0152010
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount149406
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount244647
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount365316
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount437409
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10

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Filings

Displayed year

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

Open filing
Assets
$587,472,564
Liabilities
$530,676,656
Net assets
$56,795,908
Revenue
$37,783,410
Expenses
$29,757,890
Net income
$8,025,520
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,422$2,197$224$161$139$21.9
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,206$2,004$203$132$111$21.1
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,032$1,844$188$106$83.4$23.0
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,803$1,638$165$106$77.6$28.1
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,477$1,340$137$96.0$75.3$20.7
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,242$1,126$116$82.4$66.7$15.7
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,093$992$100$68.1$55.7$12.4
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$934$846$88.0$56.9$44.6$12.3
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$810$734$75.8$49.7$39.3$10.4
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$676$611$65.3$42.9$34.4$8.55
2014Detailed filing. Detailed filing data is available for this year.$587$531$56.8$37.8$29.8$8.03
2013Detailed filing. Detailed filing data is available for this year.$502$453$48.8$34.5$27.9$6.60
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$431$388$42.2$23.6
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$364$330$33.7$26.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$353$321$31.5$28.8