Civic Intelligence

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

990 • Fiscal year 2017 • EIN 38-1449622

Jan 01, 2017 to Dec 31, 2017 • Filed on Oct 19, 2018

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

68th percentile

0.91x

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

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

39th percentile

16.56x

Higher debt load relative to revenue than 39% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

73rd percentile

16%

Higher net margin than 73% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

57th percentile

$221,786

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

42nd percentile

3.2%

Faster asset growth than 42% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Revenue Growth

28th percentile

3.0%

Faster revenue growth than 28% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$193,061,765

Up $6,010,882 (+3.2%) from 2016

Net Assets

Up

$18,319,812

Up $1,367,194 (+8.1%) from 2016

Liabilities

Up

$174,741,953

Up $4,643,688 (+2.7%) from 2016

Revenue And Expenses
Liabilities / Revenue39th percentileNet Margin73rd percentile

Revenue

Up

$10,553,075

Up $304,392 (+3.0%) from 2016

Expenses

Down

$8,888,230

Down $865,504 (-8.9%) from 2016

Net Income

Up

$1,664,845

Up $1,169,896 (+236%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth42nd 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

2017

Assets$193,061,765
Liabilities$174,741,953
Net Assets$18,319,812
Open 2017 Filing

Operations Trend

Revenue Growth28th 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

2017

Revenue$10,553,075
Expenses$8,888,230
Net Income$1,664,845
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Oct 19, 2018
Return Version
2017v2.3
Gross Receipts
$10,553,075
Mission and Program Overview

Mission

Monroe county community credit union is a critical part of the communities we serve. As a not-for-profit financial institution, our day job is to provide exceptional banking services to each and every member of our credit union, but our real passion is to make an impact in the lives of each and every member of our community. Together with our employees, volunteers, and members, we don't just serve the community, we are the community.

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$108,608,945$114,380,567▲ $5,771,622
Investments in Publicly Traded Securities$30,098,498$31,523,470▲ $1,424,972
Savings and Temporary Cash Investments$23,243,822$23,448,711▲ $204,889
Rtn Earn Endowment Incm Other Fnds$16,952,618$18,319,812▲ $1,367,194
Investments Other Securities$12,858,700$12,766,600▼ $92,100
Land, Buildings, and Equipment, Net$3,325,528$3,799,649▲ $474,121
Cash and Non-Interest-Bearing Accounts$4,191,317$2,819,798▼ $1,371,519
Accounts Receivable$1,255,485$766,625▼ $488,860
Prepaid Expenses and Deferred Charges$194,218$255,194▲ $60,976
Intangible Assets$76,371$58,711▼ $17,660
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$187,050,883$193,061,765▲ $6,010,882
Other Assets Total$3,197,999$3,242,440▲ $44,441
Liabilities
Other Liabilities$168,623,157$173,279,275▲ $4,656,118
Accounts Payable and Accrued Expenses$1,475,108$1,462,678▼ $12,430
Total Liabilities$170,098,265$174,741,953▲ $4,643,688
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,952,618$18,319,812▲ $1,367,194
Total Liabilities and Net Assets / Fund Balance$187,050,883$193,061,765▲ $6,010,882

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,952,531$1,417,662$3,370,193
Equipment$364,709$1,316,700$1,681,409
Land$1,357,795-$1,357,795
Leasehold Improvements$124,614$10,463$135,077
Other Securities$11,804,000--
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mark RadwanskiCFO & Interim CEOFT$165,424$56,362$221,786
David MillerwiseCommercial Loan OfficerFT$116,033$30,938$146,971
Susan Rafko-bayerCompliance OfficerFT$106,499$18,572$125,071
Michael NewmanCEOFT$88,764$11,893$100,657
Stephen GrechCEOFT$29,469$2,592$32,061

Board Members and Trustees

NameTitle
Barry KinseyChairman
Michael MillerVice Chairman
Connie OchsDirector
Kenneth StrittDirector
Robert DegraerDirector
Gary SievertSecretary
Jennifer PoupardTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FisCredit/debit Card Processor601 RIVERSIDE AVENUE, Jacksonville, FL 32204$1,081,631
Cu AnswersCore System Processor6000 28TH SE STE 100, Grand Rapids, MI 49546$607,436
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,460,661
Investment Income
$1,009,813
Other Revenue
$82,601
Change in Net Assets
$1,664,845

Audited Revenue Reconciliation

Revenue per Audited Statements
$10,553,075
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$10,553,075
Total Revenue per Form 990
$10,553,075
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,887,410
Salaries, Compensation, and Employee Benefits$4,000,820
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,564,201
Other Employee Benefits---$612,160
Office Expenses---$519,643
Information Technology---$518,012
Current Officers, Directors, Trustees, and Key Employees---$354,504
Occupancy---$323,700
Payroll Taxes---$253,947
Depreciation Depletion---$233,848
Fees for Services Other---$226,527
Pension Plan Contributions---$216,008
Other Expenses---$194,921
Interest---$172,775
Travel---$166,503
Advertising---$149,472
Fees for Services Legal---$123,249
Insurance---$82,552
Fees for Services Accounting---$65,531
Payments to Affiliates---$31,505
All Other Expenses---$16,463
Total Functional Expenses$0$0$0$8,888,230

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,888,230
Total Expenses per Audited Statements$8,888,230
Total Expenses per Form 990$8,888,230
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$173,279,275
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
Yes
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 A, Line 7B

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11B

“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

“The credit union's conflict of interest policy and governing documents are not made available to the public. 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
Stephen Grech
Title
CEO
Phone
7342423222
Signed
2018-10-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Stephen Grech
Formed
1953
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
104
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 IX, Line 11G

“Consulting fees 92,483. Other professional fees 134,044.”

FORM 990, PART XI, LINE 9:

“Unrealized gain on post/ret and unrealized holdings 23,246.”

FORM 990, PART XII, LINE 2C:

“We have a committee comprised of the board of directors 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 2014 - 2017.”

Raw XML AppendixShowing 400 of 475 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/PersonNm0ROBERT DEGRAER
IRS990/Form990PartVIISectionAGrp/PersonNm1MICHAEL MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm2GARY SIEVERT
IRS990/Form990PartVIISectionAGrp/PersonNm3BARRY KINSEY
IRS990/Form990PartVIISectionAGrp/PersonNm4JENNIFER POUPARD
IRS990/Form990PartVIISectionAGrp/PersonNm5CONNIE OCHS
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO & INTERIM CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10COMMERCIAL LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11COMPLIANCE OFFICER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt010553075
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0518012
IRS990/InsuranceGrp/TotalAmt082552
IRS990/IntangibleAssetsGrp/BOYAmt076371
IRS990/IntangibleAssetsGrp/EOYAmt058711
IRS990/InterestGrp/TotalAmt0172775
IRS990/InvestmentIncomeGrp/ExclusionAmt01009813
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01009813
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt012858700
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt012766600
IRS990/InvestmentsPubTradedSecGrp/BOYAmt030098498
IRS990/InvestmentsPubTradedSecGrp/EOYAmt031523470
IRS990/IRPDocumentCnt03226
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02744825
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03325528
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03799649
IRS990/LandBldgEquipCostOrOtherBssAmt06544474
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
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/NetAssetsOrFundBalancesBOYAmt016952618
IRS990/NetAssetsOrFundBalancesEOYAmt018319812
IRS990/NetUnrelatedBusTxblIncmAmt064695
IRS990/NetUnrlzdGainsLossesInvstAmt0-320897
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0323700
IRS990/OfficeExpensesGrp/TotalAmt0519643
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03197999
IRS990/OtherAssetsTotalGrp/EOYAmt03242440
IRS990/OtherChangesInNetAssetsAmt023246
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0612160
IRS990/OtherExpensesGrp/Desc0DEBIT/CREDIT EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3EQUIPMENT/BUILDING MAIN
IRS990/OtherExpensesGrp/TotalAmt01159322
IRS990/OtherExpensesGrp/TotalAmt1679900
IRS990/OtherExpensesGrp/TotalAmt2223487
IRS990/OtherExpensesGrp/TotalAmt3194921
IRS990/OtherLiabilitiesGrp/BOYAmt0168623157
IRS990/OtherLiabilitiesGrp/EOYAmt0173279275
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/Desc0ATM INCOME
IRS990/OtherRevenueMiscGrp/Desc1BROKERAGE INCOME
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt081041
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11560
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt081041
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt11560
IRS990/OtherRevenueTotalAmt082601
IRS990/OtherSalariesAndWagesGrp/TotalAmt02564201
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0108608945
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0114380567
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt031505
IRS990/PayrollTaxesGrp/TotalAmt0253947
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0216008
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0194218
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0255194
IRS990/PrincipalOfficerNm0STEPHEN GRECH
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05736420
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13724241
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05736420
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13724241
IRS990/ProgSrvcAccomActy2Grp/Desc0CARD SERVICES
IRS990/ProgSrvcAccomActy3Grp/Desc0COURTESY PAY
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0817271
IRS990/PYOtherExpensesAmt05695742
IRS990/PYOtherRevenueAmt088306
IRS990/PYProgramServiceRevenueAmt09343106
IRS990/PYRevenuesLessExpensesAmt0494949
IRS990/PYSalariesCompEmpBnftPaidAmt04057992
IRS990/PYTotalExpensesAmt09753734
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt010248683
IRS990/ReconcilationRevenueExpnssAmt01664845
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt016952618
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt018319812
IRS990/SavingsAndTempCashInvstGrp/BOYAmt023243822
IRS990/SavingsAndTempCashInvstGrp/EOYAmt023448711
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01952531
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01417662
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03370193
IRS990ScheduleD/EquipmentGrp/BookValueAmt0364709
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01316700
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01681409
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt08888230
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01357795
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01357795
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0124614
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt010463
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0135077
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0173279275
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0395800
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1566800
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt211804000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc1PERPETUAL CONTRIBUTED CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc2LONG TERM CDS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt010553075
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 2014 - 2017.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03799649
IRS990ScheduleD/TotalBookValueSecuritiesAmt012766600
IRS990ScheduleD/TotalExpensesPerForm990Amt08888230
IRS990ScheduleD/TotalLiabilityAmt0173279275
IRS990ScheduleD/TotalRevenuePerForm990Amt010553075
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt010553075
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08888230
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0165424
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount010000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt017221
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt022005
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt07136
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MARK RADWANSKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CFO & INTERIM CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0221786
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE CEO, MICHAEL NEWMAN, PAID TAX ON THE INTEREST ON HIS COLLATERAL SPLIT DOLLAR PLAN BASED ON THE BLENDED ANNUAL TAX RATE IN EFFECT. THIS WAS ADDED TO HIS W-2. HE WAS 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/ExplanationTxt2MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3990 IS PREPARED BY 3RD PARTY AND A DRAFT RETURN IS THEN SENT TO THE CFO FOR REVIEW AND FINAL APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DISCLOSURE FORMS ARE REVIEWED BY COMPLIANCE OFFICER AND ADDED TO EMPLOYEE/DIRECTOR THIRD PARTY ACCOUNT RELATIONSHIPS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5SALARIES ARE PAID BASED ON THE RESULTS OF AN INDUSTRY COMPENSATION SURVEY COMPILED BY THE CREDIT UNION NATIONAL ASSOCIATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION'S CONFLICT OF INTEREST POLICY AND GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CONSULTING FEES 92,483. OTHER PROFESSIONAL FEES 134,044.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8UNREALIZED GAIN ON POST/RET AND UNREALIZED HOLDINGS 23,246.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9WE HAVE A COMMITTEE COMPRISED OF THE BOARD OF DIRECTORS 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 A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
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 IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$193,061,765
Liabilities
$174,741,953
Net assets
$18,319,812
Revenue
$10,553,075
Expenses
$8,888,230
Net income
$1,664,845
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