Civic Intelligence

Credit Unions Chartered in the State of Michigan Monroe Community Credit Union

990 • Fiscal year 2014 • EIN 38-1449622

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 03, 2015

Organization ProfileWWW.MCCCU.ORG
PO Box 1307Monroe, MI 48161

(734) 242-3222

Siviq Scores

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

Liabilities / Assets

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

35th percentile

16.67x

Higher debt load relative to revenue than 35% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

58th percentile

12%

Higher net margin than 58% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

72nd percentile

$242,418

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 2.8% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

63rd percentile

4.9%

Faster asset growth than 63% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

39th percentile

0.6%

Faster revenue growth than 39% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$160,918,889

Up $7,589,078 (+4.9%) from 2013

Net Assets

Up

$14,014,308

Up $847,646 (+6.4%) from 2013

Liabilities

Up

$146,904,581

Up $6,741,432 (+4.8%) from 2013

Revenue And Expenses
Liabilities / Revenue35th percentileNet Margin58th percentile

Revenue

Up

$8,810,154

Up $53,607 (+0.6%) from 2013

Expenses

Down

$7,747,211

Down $83,198 (-1.1%) from 2013

Net Income

Up

$1,062,943

Up $136,805 (+15%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth63rd percentile

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

$400M$300M$200M$100M$0Assets 2010: $140,199,519Liabilities 2010: $130,126,476Net Assets 2010: $10,073,0432010Assets 2011: $153,279,637Liabilities 2011: $142,587,153Net Assets 2011: $10,692,4842011Assets 2012: $152,600,460Liabilities 2012: $140,554,341Net Assets 2012: $12,046,1192012Assets 2013: $153,329,811Liabilities 2013: $140,163,149Net Assets 2013: $13,166,6622013Assets 2014: $160,918,889Liabilities 2014: $146,904,581Net Assets 2014: $14,014,3082014Assets 2015: $176,609,614Liabilities 2015: $160,948,694Net Assets 2015: $15,660,9202015Assets 2016: $187,050,883Liabilities 2016: $170,098,265Net Assets 2016: $16,952,6182016Assets 2017: $193,061,765Liabilities 2017: $174,741,953Net Assets 2017: $18,319,8122017Assets 2018: $204,472,303Liabilities 2018: $184,796,878Net Assets 2018: $19,675,4252018Assets 2019: $221,708,515Liabilities 2019: $199,052,493Net Assets 2019: $22,656,0222019Assets 2020: $276,514,623Liabilities 2020: $251,977,949Net Assets 2020: $24,536,6742020Assets 2021: $313,354,238Liabilities 2021: $287,953,230Net Assets 2021: $25,401,0082021Assets 2022: $328,301,890Liabilities 2022: $306,469,587Net Assets 2022: $21,832,3032022Assets 2023: $339,911,186Liabilities 2023: $311,189,286Net Assets 2023: $28,721,9002023Assets 2024: $365,217,624Liabilities 2024: $330,128,027Net Assets 2024: $35,089,5972024

Highlighted filing

2014

Assets$160,918,889
Liabilities$146,904,581
Net Assets$14,014,308
Open 2014 Filing

Operations Trend

Revenue Growth39th percentile

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

$30M$20M$10M$0Expenses 2010: $9,245,6362010Expenses 2011: $8,654,0312011Expenses 2012: $8,466,2902012Revenue 2013: $8,756,547Expenses 2013: $7,830,409Net Income 2013: $926,1382013Revenue 2014: $8,810,154Expenses 2014: $7,747,211Net Income 2014: $1,062,9432014Revenue 2015: $9,994,772Expenses 2015: $9,293,157Net Income 2015: $701,6152015Revenue 2016: $10,248,683Expenses 2016: $9,753,734Net Income 2016: $494,9492016Revenue 2017: $10,553,075Expenses 2017: $8,888,230Net Income 2017: $1,664,8452017Revenue 2018: $11,214,388Expenses 2018: $9,180,209Net Income 2018: $2,034,1792018Revenue 2019: $11,912,517Expenses 2019: $9,633,479Net Income 2019: $2,279,0382019Revenue 2020: $11,091,707Expenses 2020: $10,058,051Net Income 2020: $1,033,6562020Revenue 2021: $12,144,673Expenses 2021: $9,902,021Net Income 2021: $2,242,6522021Revenue 2022: $13,744,255Expenses 2022: $10,866,903Net Income 2022: $2,877,3522022Revenue 2023: $17,587,630Expenses 2023: $13,004,407Net Income 2023: $4,583,2232023Revenue 2024: $20,422,600Expenses 2024: $15,859,895Net Income 2024: $4,562,7052024

Highlighted filing

2014

Revenue$8,810,154
Expenses$7,747,211
Net Income$1,062,943
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 3, 2015
Return Version
2014v5.0
Gross Receipts
$19,215,896
Mission and Program Overview

Mission

A member owned, quality service oriented institution, positioned to meet the financial needs of our members in a personable and courteous manner.

A member owned, quality service oriented financial institution, positioned to meet the financial needs of our members in a personable and courteous manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$85,082,103$95,010,924▲ $9,928,821
Savings and Temporary Cash Investments$19,362,232$16,049,055▼ $3,313,177
Rtn Earn Endowment Incm Other Fnds$13,166,662$14,014,308▲ $847,646
Cash and Non-Interest-Bearing Accounts$3,224,448$5,087,861▲ $1,863,413
Land, Buildings, and Equipment, Net$3,634,294$3,623,871▼ $10,423
Investments Other Securities$3,926,042$2,999,679▼ $926,363
Accounts Receivable$641,030$333,600▼ $307,430
Prepaid Expenses and Deferred Charges$164,442$243,266▲ $78,824
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$153,329,811$160,918,889▲ $7,589,078
Other Assets Total$37,295,220$37,570,633▲ $275,413
Liabilities
Other Liabilities$138,724,704$145,422,306▲ $6,697,602
Accounts Payable and Accrued Expenses$1,438,445$1,482,275▲ $43,830
Total Liabilities$140,163,149$146,904,581▲ $6,741,432
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,166,662$14,014,308▲ $847,646
Total Liabilities and Net Assets / Fund Balance$153,329,811$160,918,889▲ $7,589,078

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$403,243$4,399,832$4,803,075
Buildings$2,107,564$1,582,536$3,690,100
Land$1,041,293-$1,041,293
Other Land Buildings$71,771-$71,771
Other Assets Org$536,300--
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael NewmanCEOFT$171,346$71,072$242,418
Mark RadwanskiCFOFT$108,619$26,799$135,418

Board Members and Trustees

NameTitle
Robert DegraerChairman
Michael MillerVice Chairman
Aundrea ArmstrongDirector
Jennifer PoupardDirector
Molly SmithDirector
Virginia EverettDirector (left 1/2014)
Larry BennettDirector (left 4/2014)
Daniel StefanskiDirector (left 6/2014)
Barry KinseySecretary
Matthew HehlTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,987,985
Investment Income
$737,748
Other Revenue
$84,421
Change in Net Assets
$1,062,943

Audited Revenue Reconciliation

Revenue per Audited Statements
$8,793,704
Revenue Not Reported on Financial Statements
$16,450
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$16,450
Total Revenue per Audited Statements
$8,793,704
Total Revenue per Form 990
$8,810,154
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,294,669
Salaries, Compensation, and Employee Benefits$3,452,542
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,140,770
All Other Expenses---$750,559
Information Technology---$596,789
Other Employee Benefits---$568,157
Current Officers, Directors, Trustees, and Key Employees---$377,836
Depreciation Depletion---$350,271
Office Expenses---$317,314
Occupancy---$269,775
Other Expenses---$247,533
Payroll Taxes---$230,133
Pension Plan Contributions---$135,646
Advertising---$110,846
Travel---$81,585
Insurance---$59,770
Fees for Services Other---$58,637
Fees for Services Accounting---$54,200
Fees for Services Legal---$52,330
Conferences and Meetings---$3,945
Total Functional Expenses$0$0$0$7,747,211

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$7,747,211
Expenses per Audited Statements$7,730,761
Total Expenses per Audited Statements$7,730,761
Expenses Not Reported on Financial Statements$16,450
Other Expense Adjustments$16,450
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
Members Shares$145,422,306
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 4

“The credit union's charter was expanded from one to ten counties during the year.”

Form 990, Part VI, Section A, Line 6

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

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

“Members of the credit union can elect members of the governing body.”

Form 990, Part VI, Section B, Line 11

“Return is diligently reviewed by proper authority before finalizing and submitting.”

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

“Forms are reviewed by compliance officer and added to employee/director third party account relationships.”

Form 990, Part VI, Section B, Line 15

“Salaries paid are based on the results of an industry compensation survey compiled by the credit union national association.”

Form 990, Part VI, Section C, Line 19

“Financial statements are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State of
EIN
38-1449622
Phone
7342423222
Address
PO BOX 1307, MONROE, MI 48161

Signing Officer

Name
Michael Newman
Title
President and CEO
Phone
7342423222
Signed
2015-11-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Newman
Formed
1953
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
97
Volunteers
7

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Joseph Zito CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Unrealized gain on post/ret and unrealized holdings -87,282.”

FORM 990, PART XII, LINE 2C:

“We have a committee that assumes responsibility for the oversight of the audit of its financial statements and selection of an independent accountant. Our process has not changed from the prior year.”

Financial Statement Notes

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 condition or results of operations. The credit union's income tax filings are subject to audit by various taxing authorities and open tax periods include 2011 - 2014.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Loss on insurance settlement 16,450.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Loss on insurance settlement 16,450.”

Raw XML AppendixShowing 400 of 469 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/ActivityOrMissionDesc0A MEMBER OWNED, QUALITY SERVICE ORIENTED FINANCIAL INSTITUTION, POSITIONED TO MEET THE FINANCIAL NEEDS OF OUR MEMBERS IN A PERSONABLE AND COURTEOUS MANNER.
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IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0673349
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt03926042
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02999679
IRS990/IRPDocumentCnt02822
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05982368
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03634294
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03623871
IRS990/LandBldgEquipCostOrOtherBssAmt09606239
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0150000
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt010255742
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A MEMBER OWNED, QUALITY SERVICE ORIENTED FINANCIAL INSTITUTION, POSITIONED TO MEET THE FINANCIAL NEEDS OF OUR MEMBERS IN A PERSONABLE AND COURTEOUS MANNER.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt013166662
IRS990/NetAssetsOrFundBalancesEOYAmt014014308
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt064399
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt064399
IRS990/NetUnrelatedBusTxblIncmAmt063411
IRS990/NetUnrlzdGainsLossesInvstAmt0-128015
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0269775
IRS990/OfficeExpensesGrp/TotalAmt0317314
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt037295220
IRS990/OtherAssetsTotalGrp/EOYAmt037570633
IRS990/OtherChangesInNetAssetsAmt0-87282
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0568157
IRS990/OtherExpensesGrp/Desc0DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc3VISA EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0596974
IRS990/OtherExpensesGrp/TotalAmt1463500
IRS990/OtherExpensesGrp/TotalAmt2280641
IRS990/OtherExpensesGrp/TotalAmt3247533
IRS990/OtherLiabilitiesGrp/BOYAmt0138724704
IRS990/OtherLiabilitiesGrp/EOYAmt0145422306
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/Desc0ATM INCOME
IRS990/OtherRevenueMiscGrp/Desc1BROKERAGE INCOME
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt077357
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt17064
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt077357
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt17064
IRS990/OtherRevenueTotalAmt084421
IRS990/OtherSalariesAndWagesGrp/TotalAmt02140770
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt085082103
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt095010924
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0230133
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0135646
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0164442
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0243266
IRS990/PrincipalOfficerNm0MICHAEL NEWMAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04832409
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13155576
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04832409
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13155576
IRS990/ProgSrvcAccomActy2Grp/Desc0CARD SERVICES
IRS990/ProgSrvcAccomActy3Grp/Desc0COURTESY PAY
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0650201
IRS990/PYOtherExpensesAmt04538156
IRS990/PYOtherRevenueAmt0339914
IRS990/PYProgramServiceRevenueAmt07766432
IRS990/PYRevenuesLessExpensesAmt0926138
IRS990/PYSalariesCompEmpBnftPaidAmt03292253
IRS990/PYTotalExpensesAmt07830409
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08756547
IRS990/ReconcilationRevenueExpnssAmt01062943
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt013166662
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014014308
IRS990/SavingsAndTempCashInvstGrp/BOYAmt019362232
IRS990/SavingsAndTempCashInvstGrp/EOYAmt016049055
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02107564
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01582536
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03690100
IRS990ScheduleD/EquipmentGrp/BookValueAmt0403243
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04399832
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04803075
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt016450
IRS990ScheduleD/ExpensesSubtotalAmt07730761
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01041293
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01041293
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt033705000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1325065
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2377000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3320426
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt41464760
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt5842082
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt6536300
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ACCRUED INTEREST REC.
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2FHLB STOCK
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3OTHER ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4NCUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5INVESTMENT IN CUSO
IRS990ScheduleD/OtherAssetsOrgGrp/Desc6MEMBER PERPETUAL CAPITAL CONTRIBUTION
IRS990ScheduleD/OtherExpensesNotIncludedAmt016450
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt071771
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt071771
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0145422306
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/OtherRevenuesNotIncludedAmt016450
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt016450
IRS990ScheduleD/RevenueSubtotalAmt08793704
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE 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 CONDITION OR RESULTS OF OPERATIONS. THE CREDIT UNION'S INCOME TAX FILINGS ARE SUBJECT TO AUDIT BY VARIOUS TAXING AUTHORITIES AND OPEN TAX PERIODS INCLUDE 2011 - 2014.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1LOSS ON INSURANCE SETTLEMENT 16,450.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2LOSS ON INSURANCE SETTLEMENT 16,450.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03623871
IRS990ScheduleD/TotalBookValueOtherAssetsAmt037570633
IRS990ScheduleD/TotalExpensesPerForm990Amt07747211
IRS990ScheduleD/TotalLiabilityAmt0145422306
IRS990ScheduleD/TotalRevenuePerForm990Amt08810154
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt08793704
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt07730761
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0171346
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount030962
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt012438
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt016648
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt011024
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHAEL NEWMAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0242418
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0CEO PAYS TAX ON THE INTEREST ON HIS COLLATERAL SPLIT DOLLAR PLAN BASED ON THE BLENDED ANNUAL TAX RATE IN EFFECT. THIS GETS ADDED TO HIS W-2. HE IS THEN REIMBURSED THROUGH PAYROLL FOR HIS TAXES PAID AT 30% OF THE INCOME AMOUNT.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1A
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION'S CHARTER WAS EXPANDED FROM ONE TO TEN COUNTIES DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EVERY INDIVIDUAL THAT HAS AN ACCOUNT WITH THE CREDIT UNION IS A MEMBER OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS OF THE CREDIT UNION CAN ELECT MEMBERS OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3RETURN IS DILIGENTLY REVIEWED BY PROPER AUTHORITY BEFORE FINALIZING AND SUBMITTING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FORMS ARE REVIEWED BY COMPLIANCE OFFICER AND ADDED TO EMPLOYEE/DIRECTOR THIRD PARTY ACCOUNT RELATIONSHIPS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5SALARIES PAID ARE BASED ON THE RESULTS OF AN INDUSTRY COMPENSATION SURVEY COMPILED BY THE CREDIT UNION NATIONAL ASSOCIATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7UNREALIZED GAIN ON POST/RET AND UNREALIZED HOLDINGS -87,282.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8WE HAVE A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT ACCOUNTANT. OUR PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$160,918,889
Liabilities
$146,904,581
Net assets
$14,014,308
Revenue
$8,810,154
Expenses
$7,747,211
Net income
$1,062,943
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$365$330$35.1$20.4$15.9$4.56
2023Detailed filing. Detailed filing data is available for this year.$340$311$28.7$17.6$13.0$4.58
2022Detailed filing. Detailed filing data is available for this year.$328$306$21.8$13.7$10.9$2.88
2021Detailed filing. Detailed filing data is available for this year.$313$288$25.4$12.1$9.90$2.24
2020Detailed filing. Detailed filing data is available for this year.$277$252$24.5$11.1$10.1$1.03
2019Detailed filing. Detailed filing data is available for this year.$222$199$22.7$11.9$9.63$2.28
2018Detailed filing. Detailed filing data is available for this year.$204$185$19.7$11.2$9.18$2.03
2017Detailed filing. Detailed filing data is available for this year.$193$175$18.3$10.6$8.89$1.66
2016Detailed filing. Detailed filing data is available for this year.$187$170$17.0$10.2$9.75$0.49
2015Detailed filing. Detailed filing data is available for this year.$177$161$15.7$9.99$9.29$0.70
2014Detailed filing. Detailed filing data is available for this year.$161$147$14.0$8.81$7.75$1.06
2013Detailed filing. Detailed filing data is available for this year.$153$140$13.2$8.76$7.83$0.93
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$153$141$12.0$8.47
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$153$143$10.7$8.65
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$140$130$10.1$9.25