Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2016 • EIN 38-1438667

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 14, 2017

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

68th percentile

0.91x

Higher debt load relative to assets than 68% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

21st percentile

14.78x

Higher debt load relative to revenue than 21% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

86th percentile

21%

Higher net margin than 86% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

98th percentile

$2,053,888

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 4.1% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

98th percentile

20%

Faster asset growth than 98% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

89th percentile

16%

Faster revenue growth than 89% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$809,890,682

Up $133,691,883 (+20%) from 2015

Net Assets

Up

$75,763,522

Up $10,417,161 (+16%) from 2015

Liabilities

Up

$734,127,160

Up $123,274,722 (+20%) from 2015

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin86th percentile

Revenue

Up

$49,668,739

Up $6,734,330 (+16%) from 2015

Expenses

Up

$39,251,578

Up $4,867,622 (+14%) from 2015

Net Income

Up

$10,417,161

Up $1,866,708 (+22%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth98th 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

2016

Assets$809,890,682
Liabilities$734,127,160
Net Assets$75,763,522
Open 2016 Filing

Operations Trend

Revenue Growth89th 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

2016

Revenue$49,668,739
Expenses$39,251,578
Net Income$10,417,161
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 14, 2017
Return Version
2016v3.0
Gross Receipts
$50,299,942
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$601,767,931$731,827,582▲ $130,059,651
Rtn Earn Endowment Incm Other Fnds$65,346,361$75,763,522▲ $10,417,161
Land, Buildings, and Equipment, Net$27,766,210$47,247,470▲ $19,481,260
Cash and Non-Interest-Bearing Accounts$15,163,969$10,450,650▼ $4,713,319
Investments Other Securities$3,724,701$3,716,251▼ $8,450
Prepaid Expenses and Deferred Charges$732,812$949,953▲ $217,141
Savings and Temporary Cash Investments$13,905,197$757,220▼ $13,147,977
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$676,198,799$809,890,682▲ $133,691,883
Other Assets Total$13,137,979$14,941,556▲ $1,803,577
Liabilities
Other Liabilities$557,854,448$657,813,281▲ $99,958,833
Mortgage Notes Payable Secured by Investment Property$48,000,000$70,443,489▲ $22,443,489
Accounts Payable and Accrued Expenses$3,957,978$4,580,808▲ $622,830
Escrow Account Liability$1,040,012$1,289,582▲ $249,570
Total Liabilities$610,852,438$734,127,160▲ $123,274,722
Net Assets / Fund Balance
Total Net Assets Fund Balance$65,346,361$75,763,522▲ $10,417,161
Total Liabilities and Net Assets / Fund Balance$676,198,799$809,890,682▲ $133,691,883

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$18,521,254-$18,521,254
Buildings$15,408,325$2,913,781$18,322,106
Equipment$4,851,467$11,108,331$15,959,798
Land$7,834,008-$7,834,008
Leasehold Improvements$632,416$445,813$1,078,229
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kit SnyderCEOFT$401,300$1,652,588$2,053,888
Scott SylvesterCOOFT$177,908$113,264$291,172
Steve HowardCFOFT$139,453$121,433$260,886
Steve OwensCLOFT$125,212$91,231$216,443
Shawn PremerChroFT$110,630$78,433$189,063
John MurphyVPFT$96,100$72,176$168,276
Lynne Jarman-johnsonCMOFT$96,899$69,729$166,628

Board Members and Trustees

NameTitle
Brad LawtonChairperson
Brent BassettVice Chairperson
Nick ZaferAssociate Director
Kevin McphersonDirector
Nancy ThompsonDirector
Rodney AdamsDirector
PATRICK O'CONNORSecretary
Kim ShookTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Early Lennon Crocker & Barticz PLCLegal Services900 Comerica Building 151 S Rose S, Kalamazoo, MI 49007$146,683
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$49,605,112
Investment Income
$63,627
Other Revenue
$0
Change in Net Assets
$10,417,161

Audited Revenue Reconciliation

Revenue per Audited Statements
$49,824,219
Revenue Not Reported on Financial Statements
$-155,480
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-155,480
Total Revenue per Audited Statements
$49,824,219
Total Revenue per Form 990
$49,668,739
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$21,798,661
Salaries, Compensation, and Employee Benefits$17,452,917
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$11,556,743
Office Expenses---$3,927,546
Current Officers, Directors, Trustees, and Key Employees---$2,314,775
Depreciation Depletion---$2,017,451
Other Employee Benefits---$1,767,791
Information Technology---$1,566,392
Occupancy---$1,335,339
Interest---$1,042,055
Payroll Taxes---$1,029,109
Advertising---$1,005,984
Pension Plan Contributions---$784,499
Other Expenses---$504,074
Fees for Services Legal---$322,131
Travel---$188,151
All Other Expenses---$174,510
Conferences and Meetings---$137,417
Fees for Services Accounting---$89,637
Insurance---$54,976
Total Functional Expenses$0$0$0$39,251,578

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$39,407,058
Expenses per Audited Statements$39,251,578
Total Expenses per Form 990$39,251,578
Expenses Not Reported on Form 990$155,480
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$657,813,281
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
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 11B

“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 2016.”

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
Steve Howard
Title
CFO
Phone
2693457804
Signed
2017-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steve Howard
Formed
1951
Legal Domicile
Mi
Voting Board Members
8
Independent Board Members
8
Employees
296
Volunteers
8

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 $1,860,000 and $1,770,000 of receivables from current officers, directors, trustees, key employees, and highest compensated employees for 2016 and 2015, 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 -155,480.”

Part XII, Line 2D - Other Adjustments:

“Loss on other real estate owned 155,480.”

Raw XML AppendixShowing 400 of 597 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/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt81768904
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9194869
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10175151
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11247334
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12154961
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13134968
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14137339
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/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7ASSOCIATE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt11COO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHRO
IRS990/Form990PartVIISectionAGrp/TitleTxt13CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01951
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-155480
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0475723
IRS990/GrossReceiptsAmt050299942
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01566392
IRS990/InsuranceGrp/TotalAmt054976
IRS990/InterestGrp/TotalAmt01042055
IRS990/InvestmentIncomeGrp/ExclusionAmt0219107
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0219107
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt03724701
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt03716251
IRS990/IRPDocumentCnt027599
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt014467925
IRS990/LandBldgEquipBasisNetGrp/BOYAmt027766210
IRS990/LandBldgEquipBasisNetGrp/EOYAmt047247470
IRS990/LandBldgEquipCostOrOtherBssAmt061715395
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0631203
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/BOYAmt048000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt070443489
IRS990/NetAssetsOrFundBalancesBOYAmt065346361
IRS990/NetAssetsOrFundBalancesEOYAmt075763522
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-155480
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-155480
IRS990/NetUnrelatedBusTxblIncmAmt0-8910
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01335339
IRS990/OfficeExpensesGrp/TotalAmt03927546
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt013137979
IRS990/OtherAssetsTotalGrp/EOYAmt014941556
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01767791
IRS990/OtherExpensesGrp/Desc0INTEREST AND DIVIDENDS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3AMORTIZATION OF MORTGAG
IRS990/OtherExpensesGrp/TotalAmt04279585
IRS990/OtherExpensesGrp/TotalAmt12993413
IRS990/OtherExpensesGrp/TotalAmt22160000
IRS990/OtherExpensesGrp/TotalAmt3504074
IRS990/OtherLiabilitiesGrp/BOYAmt0557854448
IRS990/OtherLiabilitiesGrp/EOYAmt0657813281
IRS990/OtherSalariesAndWagesGrp/TotalAmt011556743
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0601767931
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0731827582
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01029109
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0784499
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0732812
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0949953
IRS990/PrincipalOfficerNm0STEVE HOWARD
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/RelatedOrExemptFuncIncomeAmt029092086
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt118421348
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21949419
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt029092086
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt118563607
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21949419
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0142259
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0126795
IRS990/PYOtherExpensesAmt019090737
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt042807614
IRS990/PYRevenuesLessExpensesAmt08550453
IRS990/PYSalariesCompEmpBnftPaidAmt015293219
IRS990/PYTotalExpensesAmt034383956
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt042934409
IRS990/ReconcilationRevenueExpnssAmt010417161
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt065346361
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt075763522
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013905197
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0757220
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt015408325
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02913781
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt018322106
IRS990ScheduleD/EquipmentGrp/BookValueAmt04851467
IRS990ScheduleD/EquipmentGrp/DepreciationAmt011108331
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt015959798
IRS990ScheduleD/ExpensesNotReportedAmt0155480
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt039251578
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt07834008
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt07834008
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0632416
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0445813
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01078229
IRS990ScheduleD/OtherExpensesIncludedAmt0155480
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt018521254
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt018521254
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0657813281
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-155480
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-155480
IRS990ScheduleD/RevenueSubtotalAmt049824219
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 -155,480.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3LOSS ON OTHER REAL ESTATE OWNED 155,480.
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/TotalBookValueLandBuildingsAmt047247470
IRS990ScheduleD/TotalExpensesPerForm990Amt039251578
IRS990ScheduleD/TotalLiabilityAmt0657813281
IRS990ScheduleD/TotalRevenuePerForm990Amt049668739
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt049824219
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt039407058
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/FirstClassOrCharterTravelInd0X
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0401300
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1139453
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2125212
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3177908
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4110630
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt596899
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt696100
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0254215
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount155416
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount249939
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount369426
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount444331
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount538069
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount641239
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt40

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$809,890,682
Liabilities
$734,127,160
Net assets
$75,763,522
Revenue
$49,668,739
Expenses
$39,251,578
Net income
$10,417,161
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
2016Detailed filing. Detailed filing data is available for this year.$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