Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2019 • EIN 38-1438667

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 03, 2020

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

80th percentile

0.91x

Higher debt load relative to assets than 80% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Liabilities / Revenue

11th percentile

13.66x

Higher debt load relative to revenue than 11% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Net Margin

63rd percentile

19%

Higher net margin than 63% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Top Officer Pay

88th percentile

$2,030,783

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 2.5% of source-year revenue.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Asset Growth

85th percentile

14%

Faster asset growth than 85% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Revenue Growth

92nd percentile

21%

Faster revenue growth than 92% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Assets

Up

$1,242,455,564

Up $149,662,418 (+14%) from 2018

Net Assets

Up

$116,147,078

Up $15,747,511 (+16%) from 2018

Liabilities

Up

$1,126,308,486

Up $133,914,907 (+13%) from 2018

Revenue

Up

$82,426,936

Up $14,309,152 (+21%) from 2018

Expenses

Up

$66,679,425

Up $10,947,569 (+20%) from 2018

Net Income

Up

$15,747,511

Up $3,361,583 (+27%) from 2018

Historical Trend

Balance Sheet Trend

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

2019

Assets$1,242,455,564
Liabilities$1,126,308,486
Net Assets$116,147,078

Operations Trend

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

2019

Revenue$82,426,936
Expenses$66,679,425
Net Income$15,747,511
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 3, 2020
Return Version
2019v5.1
Gross Receipts
$82,800,165
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$960,938,229$1,106,841,020▲ $145,902,791
Rtn Earn Endowment Incm Other Fnds$100,399,567$116,147,078▲ $15,747,511
Land, Buildings, and Equipment, Net$71,294,243$72,712,425▲ $1,418,182
Savings and Temporary Cash Investments$10,679,282$17,835,005▲ $7,155,723
Cash and Non-Interest-Bearing Accounts$20,463,217$13,229,821▼ $7,233,396
Investments Other Securities$5,055,338$4,716,704▼ $338,634
Prepaid Expenses and Deferred Charges$1,241,374$1,932,760▲ $691,386
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,092,793,146$1,242,455,564▲ $149,662,418
Other Assets Total$23,121,463$25,187,829▲ $2,066,366
Liabilities
Other Liabilities$879,108,282$1,001,874,603▲ $122,766,321
Mortgage Notes Payable Secured by Investment Property$105,000,000$115,000,000▲ $10,000,000
Accounts Payable and Accrued Expenses$6,733,450$7,756,567▲ $1,023,117
Escrow Account Liability$1,551,847$1,677,316▲ $125,469
Total Liabilities$992,393,579$1,126,308,486▲ $133,914,907
Net Assets / Fund Balance
Total Net Assets Fund Balance$100,399,567$116,147,078▲ $15,747,511
Total Liabilities and Net Assets / Fund Balance$1,092,793,146$1,242,455,564▲ $149,662,418

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$48,790,161$4,794,986$53,585,147
Equipment$9,139,560$11,397,494$20,537,054
Land$9,342,838-$9,342,838
Other Land Buildings$4,801,118-$4,801,118
Leasehold Improvements$638,748$502,184$1,140,932
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kit SnyderCEOFT$551,900$1,478,883$2,030,783
Steve HowardCFOFT$208,736$217,949$426,685
Scott SylvesterCOOFT$233,784$175,898$409,682
Steve OwensCLOFT$174,796$158,232$333,028
Shawn PremerChroFT$144,399$123,669$268,068
Jeffery VisserCSOFT$123,052$108,400$231,452
Lynne Jarman-johnsonCMOFT$116,595$103,956$220,551
John MurphyVPFT$119,205$91,769$210,974
Lindsay LandVPFT$122,016$42,219$164,235
Gary FergusonVPFT$112,295$39,974$152,269
Glen KellamManagerFT$129,655$13,591$143,246
Scott AdamsVPFT$118,852$12,964$131,816

Board Members and Trustees

NameTitle
Brent BassettChairperson
Kevin McphersonDirector
Nancy ThompsonDirector
Nick ZaferDirector
Rodney AdamsDirector
PATRICK O'CONNORSecretary
Kim ShookTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Lennon Miller O'connor & BartoziewiczLegal Services151 S ROSE ST STE 900, Kalamazoo, MI 49007$224,561
Dixon Lawn CareLawn Services815 E CROSSTOWN PKWY SUITE 254, Kalamazoo, MI 49001$108,070
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$81,402,268
Investment Income
$1,024,668
Other Revenue
$0
Change in Net Assets
$15,747,511

Audited Revenue Reconciliation

Revenue per Audited Statements
$82,426,936
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$82,426,936
Total Revenue per Form 990
$82,426,936
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$41,344,903
Salaries, Compensation, and Employee Benefits$25,334,522
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$16,723,061
Office Expenses---$5,004,724
Depreciation Depletion---$3,922,427
Current Officers, Directors, Trustees, and Key Employees---$3,285,906
Interest---$2,562,991
Other Employee Benefits---$2,479,057
Information Technology---$2,446,870
Occupancy---$2,249,746
Pension Plan Contributions---$1,450,962
Payroll Taxes---$1,395,536
Advertising---$1,192,145
Other Expenses---$1,057,674
Fees for Services Legal---$595,168
All Other Expenses---$197,561
Travel---$183,240
Conferences and Meetings---$102,172
Fees for Services Accounting---$67,177
Insurance---$56,072
Total Functional Expenses$0$0$0$66,679,425

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$66,679,425
Total Expenses per Audited Statements$66,679,425
Total Expenses per Form 990$66,679,425
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$1,001,874,603
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 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
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 the top management official. Ceo 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 2018.

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
2020-11-03
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
323
Volunteers
7

Preparer

Firm
Plante & Moran Pllc
Address
750 TRADE CENTRE WAY STE 300, PORTAGE, MI 49002
Preparer
Kenley Penner CPA
Phone
2695674500
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 $1,520,000 and $1,211,000 of receivables from current officers, directors, trustees, key employees, and highest compensated employees for 2019 and 2018, 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.

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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt180
IRS990/Form990PartVIISectionAGrp/PersonNm0KIT SNYDER
IRS990/Form990PartVIISectionAGrp/PersonNm1SCOTT SYLVESTER
IRS990/Form990PartVIISectionAGrp/PersonNm2STEVE HOWARD
IRS990/Form990PartVIISectionAGrp/PersonNm3STEVE OWENS
IRS990/Form990PartVIISectionAGrp/PersonNm4SHAWN PREMER
IRS990/Form990PartVIISectionAGrp/PersonNm5JEFFERY VISSER
IRS990/Form990PartVIISectionAGrp/PersonNm6LYNNE JARMAN-JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm7JOHN MURPHY
IRS990/Form990PartVIISectionAGrp/PersonNm8LINDSAY LAND
IRS990/Form990PartVIISectionAGrp/PersonNm9GLEN KELLAM
IRS990/Form990PartVIISectionAGrp/PersonNm10GARY FERGUSON
IRS990/Form990PartVIISectionAGrp/PersonNm11SCOTT ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm12BRENT BASSETT
IRS990/Form990PartVIISectionAGrp/PersonNm13PATRICK O'CONNOR
IRS990/Form990PartVIISectionAGrp/PersonNm14KIM SHOOK
IRS990/Form990PartVIISectionAGrp/PersonNm15RODNEY ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm16KEVIN MCPHERSON
IRS990/Form990PartVIISectionAGrp/PersonNm17NANCY THOMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm18NICK ZAFER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt01721773
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1365264
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2320095
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3272397
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4226764
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5194967
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6184645
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7181205
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8136157
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9129655
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10124928
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11118852
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
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/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1COO
IRS990/Form990PartVIISectionAGrp/TitleTxt2CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt3CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHRO
IRS990/Form990PartVIISectionAGrp/TitleTxt5CSO
IRS990/Form990PartVIISectionAGrp/TitleTxt6CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP
IRS990/Form990PartVIISectionAGrp/TitleTxt9MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt13SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt14TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01951
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt080526
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0453755
IRS990/GrossReceiptsAmt082800165
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt015
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02446870
IRS990/InsuranceGrp/TotalAmt056072
IRS990/InterestGrp/TotalAmt02562991
IRS990/InvestmentIncomeGrp/ExclusionAmt0944142
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0944142
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt05055338
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt04716704
IRS990/IRPDocumentCnt040042
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt016694664
IRS990/LandBldgEquipBasisNetGrp/BOYAmt071294243
IRS990/LandBldgEquipBasisNetGrp/EOYAmt072712425
IRS990/LandBldgEquipCostOrOtherBssAmt089407089
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0373229
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/BOYAmt0105000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0115000000
IRS990/NetAssetsOrFundBalancesBOYAmt0100399567
IRS990/NetAssetsOrFundBalancesEOYAmt0116147078
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt080526
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt080526
IRS990/NetUnrelatedBusTxblIncmAmt0-64713
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02249746
IRS990/OfficeExpensesGrp/TotalAmt05004724
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt023121463
IRS990/OtherAssetsTotalGrp/EOYAmt025187829
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02479057
IRS990/OtherExpensesGrp/Desc0INTEREST AND DIVIDENDS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3AMORTIZATION OF MORTGAG
IRS990/OtherExpensesGrp/TotalAmt011595315
IRS990/OtherExpensesGrp/TotalAmt16000000
IRS990/OtherExpensesGrp/TotalAmt24111621
IRS990/OtherExpensesGrp/TotalAmt31057674
IRS990/OtherLiabilitiesGrp/BOYAmt0879108282
IRS990/OtherLiabilitiesGrp/EOYAmt01001874603
IRS990/OtherSalariesAndWagesGrp/TotalAmt016723061
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0960938229
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01106841020
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01395536
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01450962
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01241374
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01932760
IRS990/PrincipalOfficerNm0KIT SNYDER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2SALE OF LOANS
IRS990/ProgramServiceRevenueGrp/Desc3INSURANCE COMISSIONS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt051686222
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt125813831
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt23617653
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt051686222
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt126095142
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23617653
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt33251
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0281311
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt13251
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0233579
IRS990/PYOtherExpensesAmt033270508
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt067884205
IRS990/PYRevenuesLessExpensesAmt012385928
IRS990/PYSalariesCompEmpBnftPaidAmt022461348
IRS990/PYTotalExpensesAmt055731856
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt068117784
IRS990/ReconcilationRevenueExpnssAmt015747511
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0100399567
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0116147078
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010679282
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017835005
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt048790161
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04794986
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt053585147
IRS990ScheduleD/EquipmentGrp/BookValueAmt09139560
IRS990ScheduleD/EquipmentGrp/DepreciationAmt011397494
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt020537054
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt066679425
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt09342838
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt09342838
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0638748
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0502184
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01140932
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt04801118
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt04801118
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01001874603
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt082426936

Document Assets

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Filings

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
2019Detailed filing. Detailed filing data is available for this year.$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