Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2017 • EIN 38-1438667

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 07, 2018

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.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

21st percentile

14.88x

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

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

83rd percentile

22%

Higher net margin than 83% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

94th percentile

$939,257

Higher top officer pay than 94% of similar nonprofits.

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

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

94th percentile

15%

Faster asset growth than 94% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

85th percentile

15%

Faster revenue growth than 85% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$934,275,386

Up $124,384,704 (+15%) from 2016

Net Assets

Up

$88,013,639

Up $12,250,117 (+16%) from 2016

Liabilities

Up

$846,261,747

Up $112,134,587 (+15%) from 2016

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin83rd percentile

Revenue

Up

$56,872,419

Up $7,203,680 (+15%) from 2016

Expenses

Up

$44,622,302

Up $5,370,724 (+14%) from 2016

Net Income

Up

$12,250,117

Up $1,832,956 (+18%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth94th 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

2017

Assets$934,275,386
Liabilities$846,261,747
Net Assets$88,013,639
Open 2017 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

2017

Revenue$56,872,419
Expenses$44,622,302
Net Income$12,250,117
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 7, 2018
Return Version
2017v2.3
Gross Receipts
$58,311,571
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$731,827,582$830,048,757▲ $98,221,175
Rtn Earn Endowment Incm Other Fnds$75,763,522$88,013,639▲ $12,250,117
Land, Buildings, and Equipment, Net$47,247,470$66,609,001▲ $19,361,531
Cash and Non-Interest-Bearing Accounts$10,450,650$12,681,772▲ $2,231,122
Investments Other Securities$3,716,251$4,865,191▲ $1,148,940
Prepaid Expenses and Deferred Charges$949,953$1,040,057▲ $90,104
Savings and Temporary Cash Investments$757,220$1,003,078▲ $245,858
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$809,890,682$934,275,386▲ $124,384,704
Other Assets Total$14,941,556$18,027,530▲ $3,085,974
Liabilities
Other Liabilities$657,813,281$755,672,963▲ $97,859,682
Mortgage Notes Payable Secured by Investment Property$70,443,489$81,672,929▲ $11,229,440
Accounts Payable and Accrued Expenses$4,580,808$7,550,529▲ $2,969,721
Escrow Account Liability$1,289,582$1,365,326▲ $75,744
Total Liabilities$734,127,160$846,261,747▲ $112,134,587
Net Assets / Fund Balance
Total Net Assets Fund Balance$75,763,522$88,013,639▲ $12,250,117
Total Liabilities and Net Assets / Fund Balance$809,890,682$934,275,386▲ $124,384,704

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$45,676,803$2,907,437$48,584,240
Equipment$8,662,144$11,926,344$20,588,488
Land$8,943,860-$8,943,860
Other Land Buildings$2,399,545-$2,399,545
Leasehold Improvements$926,649$151,580$1,078,229
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kit SnyderCEOFT$433,700$505,557$939,257
Scott SylvesterCOOFT$194,852$125,582$320,434
Steve HowardCFOFT$161,620$131,861$293,481
Steve OwensCLOFT$135,754$109,597$245,351
Shawn PremerChroFT$121,271$90,230$211,501
Lynne Jarman-johnsonCMOFT$101,954$89,054$191,008
Jeffery VisserCSOFT$103,886$77,691$181,577

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$190,504
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$56,804,592
Investment Income
$67,827
Other Revenue
$0
Change in Net Assets
$12,250,117

Audited Revenue Reconciliation

Revenue per Audited Statements
$57,128,911
Revenue Not Reported on Financial Statements
$-256,492
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-256,492
Total Revenue per Audited Statements
$57,128,911
Total Revenue per Form 990
$56,872,419
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$24,858,134
Salaries, Compensation, and Employee Benefits$19,764,168
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$14,305,545
Office Expenses---$4,369,357
Depreciation Depletion---$2,286,260
Other Employee Benefits---$1,930,101
Occupancy---$1,685,131
Information Technology---$1,642,518
Interest---$1,464,925
Current Officers, Directors, Trustees, and Key Employees---$1,232,737
Pension Plan Contributions---$1,152,054
Payroll Taxes---$1,143,731
Advertising---$1,079,865
Other Expenses---$587,306
Fees for Services Legal---$397,266
Travel---$205,261
All Other Expenses---$189,881
Conferences and Meetings---$139,419
Insurance---$59,139
Fees for Services Accounting---$18,391
Total Functional Expenses$0$0$0$44,622,302

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$44,878,794
Expenses per Audited Statements$44,622,302
Total Expenses per Form 990$44,622,302
Expenses Not Reported on Form 990$256,492
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$755,672,963
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 2017.”

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
2018-11-07
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
324
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 $1,530,000 and $1,860,000 of receivables from current officers, directors, trustees, key employees, and highest compensated employees for 2017 and 2016, 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 -256,492.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Loss on other real estate owned 256,492.”

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/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8657940
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9226457
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10203531
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11276081
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12173138
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13146494
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14148416
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/TitleTxt14CSO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01951
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-256492
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt01182660
IRS990/GrossReceiptsAmt058311571
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt011
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01642518
IRS990/InsuranceGrp/TotalAmt059139
IRS990/InterestGrp/TotalAmt01464925
IRS990/InvestmentIncomeGrp/ExclusionAmt0324319
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0324319
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt03716251
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt04865191
IRS990/IRPDocumentCnt033062
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt014985361
IRS990/LandBldgEquipBasisNetGrp/BOYAmt047247470
IRS990/LandBldgEquipBasisNetGrp/EOYAmt066609001
IRS990/LandBldgEquipCostOrOtherBssAmt081594362
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt01439152
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/BOYAmt070443489
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt081672929
IRS990/NetAssetsOrFundBalancesBOYAmt075763522
IRS990/NetAssetsOrFundBalancesEOYAmt088013639
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-256492
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-256492
IRS990/NetUnrelatedBusTxblIncmAmt0-15647
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01685131
IRS990/OfficeExpensesGrp/TotalAmt04369357
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt014941556
IRS990/OtherAssetsTotalGrp/EOYAmt018027530
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01930101
IRS990/OtherExpensesGrp/Desc0INTEREST AND DIVIDENDS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3AMORTIZATION OF MORTGAG
IRS990/OtherExpensesGrp/TotalAmt05431381
IRS990/OtherExpensesGrp/TotalAmt12962034
IRS990/OtherExpensesGrp/TotalAmt22340000
IRS990/OtherExpensesGrp/TotalAmt3587306
IRS990/OtherLiabilitiesGrp/BOYAmt0657813281
IRS990/OtherLiabilitiesGrp/EOYAmt0755672963
IRS990/OtherSalariesAndWagesGrp/TotalAmt014305545
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0731827582
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0830048757
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01143731
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01152054
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0949953
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01040057
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/RelatedOrExemptFuncIncomeAmt034238505
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt120370562
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21993672
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt034238505
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt120572415
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21993672
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0201853
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt063627
IRS990/PYOtherExpensesAmt021798661
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt049605112
IRS990/PYRevenuesLessExpensesAmt010417161
IRS990/PYSalariesCompEmpBnftPaidAmt017452917
IRS990/PYTotalExpensesAmt039251578
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt049668739
IRS990/ReconcilationRevenueExpnssAmt012250117
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt075763522
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt088013639
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0757220
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01003078
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt045676803
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02907437
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt048584240
IRS990ScheduleD/EquipmentGrp/BookValueAmt08662144
IRS990ScheduleD/EquipmentGrp/DepreciationAmt011926344
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt020588488
IRS990ScheduleD/ExpensesNotReportedAmt0256492
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt044622302
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt08943860
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt08943860
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0926649
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0151580
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01078229
IRS990ScheduleD/OtherExpensesIncludedAmt0256492
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt02399545
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt02399545
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0755672963
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-256492
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-256492
IRS990ScheduleD/RevenueSubtotalAmt057128911
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 -256,492.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3LOSS ON OTHER REAL ESTATE OWNED 256,492.
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/TotalBookValueLandBuildingsAmt066609001
IRS990ScheduleD/TotalExpensesPerForm990Amt044622302
IRS990ScheduleD/TotalLiabilityAmt0755672963
IRS990ScheduleD/TotalRevenuePerForm990Amt056872419
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt057128911
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt044878794
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/FirstClassOrCharterTravelInd0X
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0433700
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1161620
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2135754
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3194852
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4121271
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5101954
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt6103886
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0220715
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount164837
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount267777
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount381229
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount451867
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount544540
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount644530
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt40

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$934,275,386
Liabilities
$846,261,747
Net assets
$88,013,639
Revenue
$56,872,419
Expenses
$44,622,302
Net income
$12,250,117
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
2017Detailed filing. Detailed filing data is available for this year.$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