Civic Intelligence

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

990 • Fiscal year 2019 • EIN 38-1449622

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 13, 2020

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

64th percentile

0.90x

Higher debt load relative to assets than 64% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Liabilities / Revenue

53rd percentile

16.71x

Higher debt load relative to revenue than 53% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Net Margin

75th percentile

19%

Higher net margin than 75% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Top Officer Pay

79th percentile

$297,562

Higher top officer pay than 79% of similar nonprofits.

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

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Asset Growth

82nd percentile

8.4%

Faster asset growth than 82% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Revenue Growth

35th percentile

6.2%

Faster revenue growth than 35% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$221,708,515

Up $17,236,212 (+8.4%) from 2018

Net Assets

Up

$22,656,022

Up $2,980,597 (+15%) from 2018

Liabilities

Up

$199,052,493

Up $14,255,615 (+7.7%) from 2018

Revenue And Expenses
Liabilities / Revenue53rd percentileNet Margin75th percentile

Revenue

Up

$11,912,517

Up $698,129 (+6.2%) from 2018

Expenses

Up

$9,633,479

Up $453,270 (+4.9%) from 2018

Net Income

Up

$2,279,038

Up $244,859 (+12%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth82nd 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

2019

Assets$221,708,515
Liabilities$199,052,493
Net Assets$22,656,022
Open 2019 Filing

Operations Trend

Revenue Growth35th 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

2019

Revenue$11,912,517
Expenses$9,633,479
Net Income$2,279,038
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 13, 2020
Return Version
2019v5.1
Gross Receipts
$13,028,517
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$117,651,556$118,611,045▲ $959,489
Investments in Publicly Traded Securities$34,483,609$37,264,806▲ $2,781,197
Savings and Temporary Cash Investments$28,732,979$32,759,465▲ $4,026,486
Rtn Earn Endowment Incm Other Fnds$19,675,425$22,656,022▲ $2,980,597
Investments Other Securities$13,262,600$17,257,600▲ $3,995,000
Land, Buildings, and Equipment, Net$3,739,633$3,655,070▼ $84,563
Cash and Non-Interest-Bearing Accounts$2,280,662$3,153,806▲ $873,144
Accounts Receivable$771,924$968,269▲ $196,345
Prepaid Expenses and Deferred Charges$254,976$233,157▼ $21,819
Intangible Assets$41,051$25,980▼ $15,071
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$204,472,303$221,708,515▲ $17,236,212
Other Assets Total$3,253,313$7,779,317▲ $4,526,004
Liabilities
Other Liabilities$182,335,471$195,882,478▲ $13,547,007
Accounts Payable and Accrued Expenses$2,461,407$3,170,015▲ $708,608
Total Liabilities$184,796,878$199,052,493▲ $14,255,615
Net Assets / Fund Balance
Total Net Assets Fund Balance$19,675,425$22,656,022▲ $2,980,597
Total Liabilities and Net Assets / Fund Balance$204,472,303$221,708,515▲ $17,236,212

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,766,418$1,398,656$3,165,074
Equipment$562,785$1,570,146$2,132,931
Land$1,325,867-$1,325,867
Leasehold Improvements$0$135,077$135,077
Other Securities$16,295,000--
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stephen GrechCEOFT$215,815$81,747$297,562
Mark RadwanskiCFOFT$145,721$55,995$201,716
Susan Rafko-bayerSVP COOFT$124,904$42,749$167,653
Michelle MicallefSVP CLOFT$103,043$25,842$128,885

Board Members and Trustees

NameTitle
Michael MillerChairperson
Gary SievertVice Chairperson
Connie OchsDirector
Maria ZagorskiDirector
Robert DegraerDirector
Jennifer PoupardSecretary
Kenneth StrittTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FisCredit/debit Card Processor601 RIVERSIDE AVENUE, Jacksonville, FL 32204$1,095,016
Cu AnswersData Processing6000 28TH SE STE 100, Grand Rapids, MI 49546$626,945
DieboldAtm Processing5995 MAYFAIR ROAD, North Canton, OH 44720$294,177
James S Jacobs ArchitectBuilding Architect25 WASHINGTON STREET, Monroe, MI 48161$236,625
PscuCredit/debit Card Processor560 CARILLON PARKWAY, St Petersburg, FL 33716$197,649
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,815,242
Investment Income
$2,036,229
Other Revenue
$61,046
Change in Net Assets
$2,279,038

Audited Revenue Reconciliation

Revenue per Audited Statements
$11,912,517
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$11,912,517
Total Revenue per Form 990
$11,912,517
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,009,422
Salaries, Compensation, and Employee Benefits$4,624,057
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,735,453
Other Employee Benefits---$780,877
Information Technology---$521,386
Current Officers, Directors, Trustees, and Key Employees---$499,278
Office Expenses---$448,874
Interest---$436,754
Pension Plan Contributions---$343,765
Occupancy---$319,327
Depreciation Depletion---$286,840
Fees for Services Other---$278,478
Payroll Taxes---$264,684
All Other Expenses---$161,548
Advertising---$151,171
Other Expenses---$147,700
Travel---$120,943
Insurance---$107,897
Fees for Services Legal---$107,752
Fees for Services Accounting---$49,306
Payments to Affiliates---$23,425
Total Functional Expenses$0$0$0$9,633,479

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,633,479
Total Expenses per Audited Statements$9,633,479
Total Expenses per Form 990$9,633,479
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$195,882,478
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
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 performance reviews and review of marketplace salary data. The board conduct the review of the ceo.”

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
Kristine Brenner
Title
CEO
Phone
7342423222
Signed
2020-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kristine Brenner
Formed
1953
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
95
Volunteers
8

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 168,014. Other professional fees 110,464.”

Form 990, Part IX, Line 24E

“Loss on disposal of building 147,617. Atm expense 13,931.”

FORM 990, PART XI, LINE 9:

“Net change in actuarial losses on post-retirement benefit plan -194,334.”

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 open audit period is for the three year period ended december 31,2019.”

Raw XML AppendixShowing 400 of 520 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/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CFO
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IRS990/Form990PartVIISectionAGrp/TitleTxt10SVP CLO
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IRS990/GrantsToOrganizationsInd00
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IRS990/InsuranceGrp/TotalAmt0107897
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IRS990/MoreThan5000KToOrgInd00
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IRS990/NetUnrlzdGainsLossesInvstAmt0895893
IRS990/NondeductibleContributionsInd00
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IRS990/OfficeExpensesGrp/TotalAmt0448874
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03253313
IRS990/OtherAssetsTotalGrp/EOYAmt07779317
IRS990/OtherChangesInNetAssetsAmt0-194334
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0780877
IRS990/OtherExpensesGrp/Desc0DEBIT/CREDIT EXPENSE
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2EQUIPMENT/BUILDING MAIN
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
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IRS990/OtherExpensesGrp/TotalAmt1266583
IRS990/OtherExpensesGrp/TotalAmt2258050
IRS990/OtherExpensesGrp/TotalAmt3147700
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IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0ATM INCOME
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IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt061046
IRS990/OtherRevenueTotalAmt061046
IRS990/OtherSalariesAndWagesGrp/TotalAmt02735453
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0117651556
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0118611045
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt023425
IRS990/PayrollTaxesGrp/TotalAmt0264684
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0343765
IRS990/PoliticalCampaignActyInd00
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0233157
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IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
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IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHER
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13937862
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05877380
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13937862
IRS990/ProgSrvcAccomActy2Grp/Desc0CARD SERVICES
IRS990/ProgSrvcAccomActy3Grp/Desc0COURTESY PAY
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IRS990/PYOtherRevenueAmt0111196
IRS990/PYProgramServiceRevenueAmt09927170
IRS990/PYRevenuesLessExpensesAmt02034179
IRS990/PYSalariesCompEmpBnftPaidAmt04400410
IRS990/PYTotalExpensesAmt09180209
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt011214388
IRS990/ReconcilationRevenueExpnssAmt02279038
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt019675425
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt022656022
IRS990/SavingsAndTempCashInvstGrp/BOYAmt028732979
IRS990/SavingsAndTempCashInvstGrp/EOYAmt032759465
IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt01398656
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03165074
IRS990ScheduleD/EquipmentGrp/BookValueAmt0562785
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01570146
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02132931
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt09633479
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01325867
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01325867
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0135077
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0135077
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0195882478
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0395800
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1566800
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt216295000
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/RevenueSubtotalAmt011912517
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 OPEN AUDIT PERIOD IS FOR THE THREE YEAR PERIOD ENDED DECEMBER 31,2019.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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IRS990ScheduleD/TotalBookValueSecuritiesAmt017257600
IRS990ScheduleD/TotalExpensesPerForm990Amt09633479
IRS990ScheduleD/TotalLiabilityAmt0195882478
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2124904
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt015157
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt122189
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt212991
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt124949
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt219550
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt114609
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt24958
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$221,708,515
Liabilities
$199,052,493
Net assets
$22,656,022
Revenue
$11,912,517
Expenses
$9,633,479
Net income
$2,279,038
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
Peer Organizations

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