Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2014 • EIN 38-1480245

Jan 01, 2014 to Dec 31, 2014 • Filed on Sep 10, 2015

Organization ProfileWWW.UNITEDECU.COM
PO Box 1160Battle Creek, MI 49016-1160

(800) 648-8035

Siviq Scores

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

Liabilities / Assets

65th percentile

0.90x

Higher debt load relative to assets than 65% of similar nonprofits.

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

Liabilities / Revenue

79th percentile

21.98x

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

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

Net Margin

67th percentile

14%

Higher net margin than 67% of similar nonprofits.

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

Top Officer Pay

15th percentile

$128,832

Higher top officer pay than 15% of similar nonprofits.

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

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

Asset Growth

19th percentile

0.7%

Faster asset growth than 19% of similar nonprofits.

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

Revenue Growth

74th percentile

6.0%

Faster revenue growth than 74% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets65th percentile

Assets

Up

$117,226,701

Up $865,772 (+0.7%) from 2013

Net Assets

Up

$11,165,989

Up $1,269,792 (+13%) from 2013

Liabilities

Down

$106,060,712

Down $404,020 (-0.4%) from 2013

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin67th percentile

Revenue

Up

$4,824,417

Up $271,051 (+6.0%) from 2013

Expenses

Up

$4,139,232

Up $181,610 (+4.6%) from 2013

Net Income

Up

$685,185

Up $89,441 (+15%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth19th percentile

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

$400M$300M$200M$100M$0Assets 2010: $104,333,910Liabilities 2010: $95,312,341Net Assets 2010: $9,021,5692010Assets 2011: $110,174,603Liabilities 2011: $100,259,960Net Assets 2011: $9,914,6432011Assets 2012: $113,537,909Liabilities 2012: $102,832,454Net Assets 2012: $10,705,4552012Assets 2013: $116,360,929Liabilities 2013: $106,464,732Net Assets 2013: $9,896,1972013Assets 2014: $117,226,701Liabilities 2014: $106,060,712Net Assets 2014: $11,165,9892014Assets 2015: $125,129,903Liabilities 2015: $113,563,958Net Assets 2015: $11,565,9452015Assets 2016: $143,005,495Liabilities 2016: $129,631,992Net Assets 2016: $13,373,5032016Assets 2017: $141,418,411Liabilities 2017: $127,685,946Net Assets 2017: $13,732,4652017Assets 2018: $173,046,159Liabilities 2018: $156,568,061Net Assets 2018: $16,478,0982018Assets 2019: $179,407,752Liabilities 2019: $162,482,346Net Assets 2019: $16,925,4062019Assets 2020: $215,814,531Liabilities 2020: $198,313,463Net Assets 2020: $17,501,0682020Assets 2021: $224,804,382Liabilities 2021: $206,588,993Net Assets 2021: $18,215,3892021Assets 2022: $222,746,006Liabilities 2022: $204,744,291Net Assets 2022: $18,001,7152022Assets 2023: $224,315,902Liabilities 2023: $204,073,087Net Assets 2023: $20,242,8152023Assets 2024: $364,563,300Liabilities 2024: $327,812,474Net Assets 2024: $36,750,8262024

Highlighted filing

2014

Assets$117,226,701
Liabilities$106,060,712
Net Assets$11,165,989
Open 2014 Filing

Operations Trend

Revenue Growth74th percentile

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

$30M$20M$10M$0-$10MExpenses 2010: $4,896,8192010Expenses 2011: $4,779,1752011Expenses 2012: $4,369,7942012Revenue 2013: $4,553,366Expenses 2013: $3,957,622Net Income 2013: $595,7442013Revenue 2014: $4,824,417Expenses 2014: $4,139,232Net Income 2014: $685,1852014Revenue 2015: $4,761,554Expenses 2015: $4,369,479Net Income 2015: $392,0752015Revenue 2016: $5,538,876Expenses 2016: $4,940,754Net Income 2016: $598,1222016Revenue 2017: $6,507,194Expenses 2017: $6,023,150Net Income 2017: $484,0442017Revenue 2018: $10,509,831Expenses 2018: $9,885,542Net Income 2018: $624,2892018Revenue 2019: $10,762,798Expenses 2019: $10,958,538Net Income 2019: -$195,7402019Revenue 2020: $11,872,214Expenses 2020: $11,747,035Net Income 2020: $125,1792020Revenue 2021: $12,892,279Expenses 2021: $11,999,280Net Income 2021: $892,9992021Revenue 2022: $13,169,848Expenses 2022: $12,477,470Net Income 2022: $692,3782022Revenue 2023: $18,467,433Expenses 2023: $15,279,739Net Income 2023: $3,187,6942023Revenue 2024: $24,499,429Expenses 2024: $23,650,396Net Income 2024: $849,0332024

Highlighted filing

2014

Revenue$4,824,417
Expenses$4,139,232
Net Income$685,185
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Sep 10, 2015
Return Version
2014v5.0
Gross Receipts
$15,782,691
Mission and Program Overview

Mission

"blueox credit union is the bridge that gives people hope that tomorrow can be a better day." blueox credit union is made up of honest people whose sole purpose is to take care of the financial needs of our members.

United educational credit union is the bridge that gives people hope that tomorrow can be a better day. Uecu is made up of honest people whose sole purpose is to take care of the financial needs of our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$46,996,854$46,374,769▼ $622,085
Investments in Publicly Traded Securities$36,196,722$37,602,613▲ $1,405,891
Investments Other Securities$16,460,337$16,417,569▼ $42,768
Rtn Earn Endowment Incm Other Fnds$9,896,197$11,165,989▲ $1,269,792
Savings and Temporary Cash Investments$10,378,685$10,426,743▲ $48,058
Cash and Non-Interest-Bearing Accounts$2,205,433$2,217,097▲ $11,664
Land, Buildings, and Equipment, Net$1,627,931$1,562,708▼ $65,223
Accounts Receivable$311,609$302,539▼ $9,070
Prepaid Expenses and Deferred Charges$88,488$107,148▲ $18,660
Total Assets$116,360,929$117,226,701▲ $865,772
Other Assets Total$2,094,870$2,215,515▲ $120,645
Liabilities
Other Liabilities$105,427,465$105,205,736▼ $221,729
Accounts Payable and Accrued Expenses$1,037,267$854,976▼ $182,291
Total Liabilities$106,464,732$106,060,712▼ $404,020
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,896,197$11,165,989▲ $1,269,792
Total Liabilities and Net Assets / Fund Balance$116,360,929$117,226,701▲ $865,772

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$943,059$1,166,366$2,109,425
Equipment$201,590$1,521,284$1,708,008
Land$418,059-$589,573
Other Securities$230,000--
Compensation and Service Providers
Top Officer Pay15th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
F GodfreyPresident/CEOFT$101,209$27,623$128,832
J JohnsonVice PresidentFT$78,307$25,729$104,036

Board Members and Trustees

NameTitle
J StantonChairman
A MumfordVice Chairman
D HicksDirector
D VoshellDirector
M WallaceDirector
R HarveyDirector
P FrederickAssist Treasurer
R StinsonSecretary
D DittmerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CuanswersCore Processor6000 28TH STREET SUITE 100, Grand Rapids, MI 49546$316,209
Cu Cooperative SystemsAtm/debit Services9692 HAVEN AVENUE, Rancho Cucamonga, CA 91730$169,128
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,754,567
Investment Income
$1,069,850
Other Revenue
$0
Change in Net Assets
$685,185

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,824,417
Total Revenue per Audited Statements
$4,824,417
Total Revenue per Form 990
$4,824,417
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,398,767
Salaries, Compensation, and Employee Benefits$1,740,465
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,010,194--$1,010,194
Other Expenses$735,132--$735,132
Interest$461,054--$461,054
Other Employee Benefits$310,463--$310,463
Office Expenses$285,120--$285,120
Current Officers, Directors, Trustees, and Key Employees$232,868--$232,868
Information Technology$161,493--$161,493
Depreciation Depletion$158,350--$158,350
Advertising$142,718--$142,718
Occupancy$113,179--$113,179
Fees for Services Other$112,187--$112,187
Payroll Taxes$108,610--$108,610
Pension Plan Contributions$78,330--$78,330
Insurance$50,185--$50,185
Fees for Services Accounting$47,500--$47,500
Conferences and Meetings$47,431--$47,431
Fees for Services Management$30,198--$30,198
Fees for Services Legal$21,754--$21,754
Payments to Affiliates$20,794--$20,794
Travel$11,672--$11,672
Total Functional Expenses$4,139,232$0$0$4,139,232

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,139,232
Total Expenses per Audited Statements$4,139,232
Total Expenses per Form 990$4,139,232
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
Shares$36,253,653
Share Drafts$25,773,968
Ira Shares$25,490,632
Federal income taxes$15,715,530
Money Market$1,971,953
Certificates-
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

“The credit union has members.”

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

“The credit union membership may participate in the election of officials.”

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

“Members of the credit union have the right to approve the governing bodys 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 11A

“Upon receipt of the completed form 990, management reviews the document for accuracy and reasonableness. Once this review is completed, the form 990 is submitted to the board of directors of united educational credit union prior to the document being filed.”

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

“A list of related parties is compiled. Employees who are authorized to transact where a conflict might occur are restricted.”

Form 990, Part VI, Section B, Line 15AB

“The personnel committee of the board of directors reviews and approves the compensation.”

Form 990, Part VI, Section C, Line 19

“Governing documents and conflict of interest policies are not made available to the public. Financial statements are made available to the public on the ncuas website via the 5300 call report filing.”

Filing and Contact Details

Filer

Filer Name
United Educational Credit Union
EIN
38-1480245
Phone
8006488035
Address
PO BOX 1160, BATTLE CREEK, MI 49016-1160

Signing Officer

Name
Frances Godfrey
Title
Presidentceo
Signed
2015-09-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Frances Godfrey
Formed
1936
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
37
Volunteers
13

Preparer

Firm
ORTH CHAKLER MURNANE AND CO CPAs
Address
12060 SW 129 COURT SUITE 201, MIAMI, FL 33186
Preparer
Douglas Orth
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Reclassification adjustment for gains on available-for-sale investments included in net income.”

Financial Statement Notes

X 2

“THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE MORE LIKELY THAN NOT STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN THE INTERNAL REVENUE CODE IRC SECTION 501C14. AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON UNRELATED BUSINESS INCOME UBI DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE IRS RELEASED TECHNNICAL ADVICE MEMORANDUMS TAMs TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX UBIT. UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNIONS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2013, 2012, AND 2011 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.”

Raw XML AppendixShowing 400 of 454 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/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt7SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE PRESIDENT
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IRS990/MissionDesc0UNITED EDUCATIONAL CREDIT UNION IS THE BRIDGE THAT GIVES PEOPLE HOPE THAT TOMORROW CAN BE A BETTER DAY. UECU IS MADE UP OF HONEST PEOPLE WHOSE SOLE PURPOSE IS TO TAKE CARE OF THE FINANCIAL NEEDS OF OUR MEMBERS.
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IRS990/OtherOrganizationDsc0CREDIT UNION
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IRS990/PrincipalOfficerNm0FRANCES GODFREY
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IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHER INCOME
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt425490632
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0401543
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt115337326
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2448700
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3230000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/OtherSecuritiesGrp/Desc2FEDERAL HOME LOAN BANK STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc3CERTIFICATES OF DEPOSIT - LONG TERM
IRS990ScheduleD/OtherSecuritiesGrp/Desc4CENTRAL CORPORTE CREDIT UNION PERPETUAL CONTRIBUTED CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc5INVESTMENTS IN CUSOs
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE MORE LIKELY THAN NOT STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN THE INTERNAL REVENUE CODE IRC SECTION 501C14. AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON UNRELATED BUSINESS INCOME UBI DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE IRS RELEASED TECHNNICAL ADVICE MEMORANDUMS TAMs TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX UBIT. UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNIONS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2013, 2012, AND 2011 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0X 2
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IRS990ScheduleD/TotalBookValueSecuritiesAmt016417569
IRS990ScheduleD/TotalExpensesPerForm990Amt04139232
IRS990ScheduleD/TotalLiabilityAmt0105205736
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN THE ELECTION OF OFFICIALS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODYS 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/ExplanationTxt3UPON RECEIPT OF THE COMPLETED FORM 990, MANAGEMENT REVIEWS THE DOCUMENT FOR ACCURACY AND REASONABLENESS. ONCE THIS REVIEW IS COMPLETED, THE FORM 990 IS SUBMITTED TO THE BOARD OF DIRECTORS OF UNITED EDUCATIONAL CREDIT UNION PRIOR TO THE DOCUMENT BEING FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A LIST OF RELATED PARTIES IS COMPILED. EMPLOYEES WHO ARE AUTHORIZED TO TRANSACT WHERE A CONFLICT MIGHT OCCUR ARE RESTRICTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PERSONNEL COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE NOT MADE AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC ON THE NCUAS WEBSITE VIA THE 5300 CALL REPORT FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7RECLASSIFICATION ADJUSTMENT FOR GAINS ON AVAILABLE-FOR-SALE INVESTMENTS INCLUDED IN NET INCOME.
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 11A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15AB
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, Line 9
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IRS990/TotalGrossUBIAmt010309

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Filings

Displayed year

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

Open filing
Assets
$117,226,701
Liabilities
$106,060,712
Net assets
$11,165,989
Revenue
$4,824,417
Expenses
$4,139,232
Net income
$685,185
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$365$328$36.8$24.5$23.7$0.85
2023Detailed filing. Detailed filing data is available for this year.$224$204$20.2$18.5$15.3$3.19
2022Detailed filing. Detailed filing data is available for this year.$223$205$18.0$13.2$12.5$0.69
2021Detailed filing. Detailed filing data is available for this year.$225$207$18.2$12.9$12.0$0.89
2020Detailed filing. Detailed filing data is available for this year.$216$198$17.5$11.9$11.7$0.13
2019Detailed filing. Detailed filing data is available for this year.$179$162$16.9$10.8$11.0$0.20
2018Detailed filing. Detailed filing data is available for this year.$173$157$16.5$10.5$9.89$0.62
2017Detailed filing. Detailed filing data is available for this year.$141$128$13.7$6.51$6.02$0.48
2016Detailed filing. Detailed filing data is available for this year.$143$130$13.4$5.54$4.94$0.60
2015Summary only. Only limited summary data is available for this year.$125$114$11.6$4.76$4.37$0.39
2014Detailed filing. Detailed filing data is available for this year.$117$106$11.2$4.82$4.14$0.69
2013Detailed filing. Detailed filing data is available for this year.$116$106$9.90$4.55$3.96$0.60
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$114$103$10.7$4.37
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$110$100$9.91$4.78
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$104$95.3$9.02$4.90