Civic Intelligence

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

990 • Fiscal year 2015 • EIN 38-1449622

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 14, 2016

Organization ProfileWWW.MCCCU.ORG
715 N Telegraph RoadMonroe, MI 48162

(734) 242-3222

Siviq Scores

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

Liabilities / Assets

76th percentile

0.91x

Higher debt load relative to assets than 76% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

28th percentile

16.10x

Higher debt load relative to revenue than 28% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

30th percentile

7.0%

Higher net margin than 30% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

77th percentile

$266,710

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Asset Growth

84th percentile

9.8%

Faster asset growth than 84% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

88th percentile

13%

Faster revenue growth than 88% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$176,609,614

Up $15,690,725 (+9.8%) from 2014

Net Assets

Up

$15,660,920

Up $1,646,612 (+12%) from 2014

Liabilities

Up

$160,948,694

Up $14,044,113 (+9.6%) from 2014

Revenue And Expenses
Liabilities / Revenue28th percentileNet Margin30th percentile

Revenue

Up

$9,994,772

Up $1,184,618 (+13%) from 2014

Expenses

Up

$9,293,157

Up $1,545,946 (+20%) from 2014

Net Income

Down

$701,615

Down $361,328 (-34%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth84th 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

2015

Assets$176,609,614
Liabilities$160,948,694
Net Assets$15,660,920
Open 2015 Filing

Operations Trend

Revenue Growth88th 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

2015

Revenue$9,994,772
Expenses$9,293,157
Net Income$701,615
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 14, 2016
Return Version
2015v2.1
Gross Receipts
$23,974,809
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$95,010,924$104,707,848▲ $9,696,924
Savings and Temporary Cash Investments$16,049,055$22,545,397▲ $6,496,342
Rtn Earn Endowment Incm Other Fnds$14,014,308$15,660,920▲ $1,646,612
Cash and Non-Interest-Bearing Accounts$5,087,861$4,907,408▼ $180,453
Land, Buildings, and Equipment, Net$3,623,871$3,474,235▼ $149,636
Investments Other Securities$2,999,679$2,301,019▼ $698,660
Accounts Receivable$333,600$635,259▲ $301,659
Prepaid Expenses and Deferred Charges$243,266$219,541▼ $23,725
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$160,918,889$176,609,614▲ $15,690,725
Other Assets Total$37,570,633$37,818,907▲ $248,274
Liabilities
Other Liabilities$145,422,306$159,575,045▲ $14,152,739
Accounts Payable and Accrued Expenses$1,482,275$1,373,649▼ $108,626
Total Liabilities$146,904,581$160,948,694▲ $14,044,113
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,014,308$15,660,920▲ $1,646,612
Total Liabilities and Net Assets / Fund Balance$160,918,889$176,609,614▲ $15,690,725

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,012,150$1,611,979$3,624,129
Equipment$510,837$1,061,944$1,572,781
Land$926,886-$926,886
Other Land Buildings$24,362-$24,362
Other Assets Org$566,800--
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael NewmanCEOFT$165,000$101,710$266,710
Mark RadwanskiCFOFT$112,259$27,296$139,555

Board Members and Trustees

NameTitle
Robert DegraerChairman
Michael MillerVice Chairman
Dolores EvansDirector
Gary SievertDirector
Jennifer PoupardDirector
Molly SmithDirector (resigned 3/18/15)
Aundrea ArmstrongDirector (resigned 6/24/15)
Barry KinseySecretary
Matthew HehlTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,070,514
Investment Income
$674,993
Other Revenue
$249,265
Change in Net Assets
$701,615

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,994,772
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$9,994,772
Total Revenue per Form 990
$9,994,772
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,426,306
Salaries, Compensation, and Employee Benefits$3,866,851
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,396,992
All Other Expenses---$800,140
Information Technology---$677,026
Other Employee Benefits---$674,928
Current Officers, Directors, Trustees, and Key Employees---$406,265
Office Expenses---$356,079
Depreciation Depletion---$331,409
Occupancy---$300,297
Payroll Taxes---$244,256
Other Expenses---$239,902
Pension Plan Contributions---$144,410
Advertising---$132,774
Fees for Services Legal---$121,684
Travel---$83,902
Insurance---$70,676
Fees for Services Other---$62,109
Fees for Services Accounting---$57,784
Conferences and Meetings---$4,014
Total Functional Expenses$0$0$0$9,293,157

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,293,157
Total Expenses per Audited Statements$9,293,157
Total Expenses per Form 990$9,293,157
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
Members Shares$159,575,045
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
No
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 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

“990 is prepared by 3rd party and a draft return is then sent to the cfo for review and final approval.”

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

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

Form 990, Part VI, Section B, Line 15

“Salaries are paid 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
715 N TELEGRAPH ROAD, MONROE, MI 48162

Signing Officer

Name
Michael Newman
Title
President and CEO
Phone
7342423222
Signed
2016-11-14
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
103
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 -42,082. Capital acquired from rrmcu merger 930,000.”

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 2012 - 2015.”

Raw XML AppendixShowing 400 of 459 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/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR (RESIGNED 3/18/15)
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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/NetAssetsOrFundBalancesBOYAmt014014308
IRS990/NetAssetsOrFundBalancesEOYAmt015660920
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-9237
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-9237
IRS990/NetUnrelatedBusTxblIncmAmt067764
IRS990/NetUnrlzdGainsLossesInvstAmt057079
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0300297
IRS990/OfficeExpensesGrp/TotalAmt0356079
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt037570633
IRS990/OtherAssetsTotalGrp/EOYAmt037818907
IRS990/OtherChangesInNetAssetsAmt0887918
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0674928
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc2VISA EXPENSE
IRS990/OtherExpensesGrp/Desc3EQUIPMENT/BUILDING MAIN
IRS990/OtherExpensesGrp/TotalAmt01243300
IRS990/OtherExpensesGrp/TotalAmt1669843
IRS990/OtherExpensesGrp/TotalAmt2275367
IRS990/OtherExpensesGrp/TotalAmt3239902
IRS990/OtherLiabilitiesGrp/BOYAmt0145422306
IRS990/OtherLiabilitiesGrp/EOYAmt0159575045
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2525990
IRS990/OtherRevenueMiscGrp/Desc0GAIN ON BARGAIN PURCHASE
IRS990/OtherRevenueMiscGrp/Desc1ATM INCOME
IRS990/OtherRevenueMiscGrp/Desc2BROKERAGE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0159254
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0159254
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt178379
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt211632
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt078379
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt111632
IRS990/OtherRevenueTotalAmt0249265
IRS990/OtherSalariesAndWagesGrp/TotalAmt02396992
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt095010924
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0104707848
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0244256
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0144410
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0243266
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0219541
IRS990/PrincipalOfficerNm0MICHAEL NEWMAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05625743
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13444771
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05625743
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13444771
IRS990/ProgSrvcAccomActy2Grp/Desc0CARD SERVICES
IRS990/ProgSrvcAccomActy3Grp/Desc0COURTESY PAY
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0737748
IRS990/PYOtherExpensesAmt04294669
IRS990/PYOtherRevenueAmt084421
IRS990/PYProgramServiceRevenueAmt07987985
IRS990/PYRevenuesLessExpensesAmt01062943
IRS990/PYSalariesCompEmpBnftPaidAmt03452542
IRS990/PYTotalExpensesAmt07747211
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08810154
IRS990/ReconcilationRevenueExpnssAmt0701615
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014014308
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt015660920
IRS990/SavingsAndTempCashInvstGrp/BOYAmt016049055
IRS990/SavingsAndTempCashInvstGrp/EOYAmt022545397
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02012150
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01611979
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03624129
IRS990ScheduleD/EquipmentGrp/BookValueAmt0510837
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01061944
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01572781
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt09293157
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0926886
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0926886
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt033920000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1353953
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2319500
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3262394
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt41551172
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt5845088
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt6566800
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/OtherLandBuildingsGrp/BookValueAmt024362
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt024362
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0159575045
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt09994772
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 2012 - 2015.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03474235
IRS990ScheduleD/TotalBookValueOtherAssetsAmt037818907
IRS990ScheduleD/TotalExpensesPerForm990Amt09293157
IRS990ScheduleD/TotalLiabilityAmt0159575045
IRS990ScheduleD/TotalRevenuePerForm990Amt09994772
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09994772
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt09293157
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0165000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount057831
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt011994
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt016696
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt015189
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHAEL NEWMAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0266710
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/ExplanationTxt0EVERY INDIVIDUAL THAT HAS AN ACCOUNT WITH THE CREDIT UNION IS A MEMBER OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE CREDIT UNION CAN ELECT MEMBERS OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2990 IS PREPARED BY 3RD PARTY AND A DRAFT RETURN IS THEN SENT TO THE CFO FOR REVIEW AND FINAL APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DISCLOSURE FORMS ARE REVIEWED BY COMPLIANCE OFFICER AND ADDED TO EMPLOYEE/DIRECTOR THIRD PARTY ACCOUNT RELATIONSHIPS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SALARIES ARE PAID BASED ON THE RESULTS OF AN INDUSTRY COMPENSATION SURVEY COMPILED BY THE CREDIT UNION NATIONAL ASSOCIATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6UNREALIZED GAIN ON POST/RET AND UNREALIZED HOLDINGS -42,082. CAPITAL ACQUIRED FROM RRMCU MERGER 930,000.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7WE 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 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0160918889
IRS990/TotalAssetsEOYAmt0176609614
IRS990/TotalAssetsGrp/BOYAmt0160918889
IRS990/TotalAssetsGrp/EOYAmt0176609614
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt0103

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$176,609,614
Liabilities
$160,948,694
Net assets
$15,660,920
Revenue
$9,994,772
Expenses
$9,293,157
Net income
$701,615
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