Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2019 • EIN 38-1480245

Jan 01, 2019 to Dec 31, 2019 • Filed on Sep 01, 2020

Organization ProfileWWW.BLUEOXCU.ORG
115 Riverside DrBattle Creek, MI 49015

(800) 648-8035

Siviq Scores

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

Liabilities / Assets

77th percentile

0.91x

Higher debt load relative to assets than 77% of similar nonprofits.

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

Liabilities / Revenue

38th percentile

15.10x

Higher debt load relative to revenue than 38% of similar nonprofits.

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

Net Margin

3rd percentile

-1.8%

Higher net margin than 3% of similar nonprofits.

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

Top Officer Pay

80th percentile

$299,911

Higher top officer pay than 80% of similar nonprofits.

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

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

Asset Growth

44th percentile

3.7%

Faster asset growth than 44% of similar nonprofits.

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

Revenue Growth

13th percentile

2.4%

Faster revenue growth than 13% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets77th percentile

Assets

Up

$179,407,752

Up $6,361,593 (+3.7%) from 2018

Net Assets

Up

$16,925,406

Up $447,308 (+2.7%) from 2018

Liabilities

Up

$162,482,346

Up $5,914,285 (+3.8%) from 2018

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin3rd percentile

Revenue

Up

$10,762,798

Up $252,967 (+2.4%) from 2018

Expenses

Up

$10,958,538

Up $1,072,996 (+11%) from 2018

Net Income

Down

-$195,740

Down $820,029 (-131%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth44th 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

2019

Assets$179,407,752
Liabilities$162,482,346
Net Assets$16,925,406
Open 2019 Filing

Operations Trend

Revenue Growth13th 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

2019

Revenue$10,762,798
Expenses$10,958,538
Net Income-$195,740
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Sep 1, 2020
Return Version
2019v5.1
Gross Receipts
$10,885,396
Mission and Program Overview

Mission

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. We expanded our ability to provide state of the art delivery channels by converting our core data processing services in 2008.

Blueox credit union's mission is to provide quality financial services that will improve and make a difference in the lives of our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$106,843,234$114,319,827▲ $7,476,593
Savings and Temporary Cash Investments$13,811,750$25,384,357▲ $11,572,607
Rtn Earn Endowment Incm Other Fnds$16,478,098$16,925,406▲ $447,308
Investments in Publicly Traded Securities$23,313,910$15,867,843▼ $7,446,067
Investments Other Securities$16,049,007$9,633,689▼ $6,415,318
Land, Buildings, and Equipment, Net$3,753,154$5,196,521▲ $1,443,367
Cash and Non-Interest-Bearing Accounts$2,575,975$2,471,835▼ $104,140
Intangible Assets$464,692$376,651▼ $88,041
Prepaid Expenses and Deferred Charges$119,090$225,140▲ $106,050
Accounts Receivable$75,078$65,445▼ $9,633
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$173,046,159$179,407,752▲ $6,361,593
Other Assets Total$6,040,269$5,866,444▼ $173,825
Liabilities
Other Liabilities$155,043,018$161,228,547▲ $6,185,529
Accounts Payable and Accrued Expenses$1,525,043$1,253,799▼ $271,244
Total Liabilities$156,568,061$162,482,346▲ $5,914,285
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,478,098$16,925,406▲ $447,308
Total Liabilities and Net Assets / Fund Balance$173,046,159$179,407,752▲ $6,361,593

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,079,039$1,531,002$5,610,041
Equipment$567,646$2,936,147$3,503,793
Land$511,439-$511,439
Other Land Buildings$38,397$237,110$275,507
Leasehold Improvements$0$6,581$6,581
Other Securities$393,100--
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
F GodfreyCEOFT$188,323$111,588$299,911
S CobbPresidentFT$150,888$66,957$217,845
M FaurotVP LendingFT$86,819$81,222$168,041
R EnglishVP Real Estate/commercialFT$102,116$37,995$140,111

Board Members and Trustees

NameTitle
J StantonDirector/chairperson
A MumfordDirector/vice Chairperson
J JohnsonVice President
D HicksDirector
D VoshellDirector
F HetherwickDirector
J MassDirector
J RattiDirector
M DutcherDirector
M WallaceDirector
R HarveyDirector
J KirkpatrickDirector/secretary
D DittmerDirector/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CuanswersCore Processor6000 28TH STREET SUITE 100, Grand Rapids, MI 49546$636,895
FisDebit/credit Processor601 RIVERSIDE AVE, Jacksonville, FL 32202$375,279
Cu Cooperative SystemsDebit Card Processing9692 HAVEN AVENUE, Rancho Cucamonga, CA 91730$293,358
KasasaRewards Checking416 SETON CENTER PKWY STE 300, Austin, TX 78759$132,486
Vantiv-worldpay-fisCredit Card Processing601 RIVERSIDE AVE, Jacksonville, FL 32204$115,355
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,631,942
Investment Income
$1,130,856
Other Revenue
$0
Change in Net Assets
$-195,740

Audited Revenue Reconciliation

Revenue per Audited Statements
$10,762,798
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$10,762,798
Total Revenue per Form 990
$10,762,798
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,438,570
Salaries, Compensation, and Employee Benefits$4,519,968
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,808,916
Interest---$861,913
Other Employee Benefits---$635,572
Office Expenses---$520,600
Current Officers, Directors, Trustees, and Key Employees---$517,756
Information Technology---$429,204
Advertising---$345,676
Depreciation Depletion---$318,441
Payroll Taxes---$286,377
Pension Plan Contributions---$271,347
Other Expenses---$232,477
All Other Expenses---$203,706
Occupancy---$194,374
Fees for Services Other---$171,123
Conferences and Meetings---$145,320
Fees for Services Legal---$141,685
Travel---$79,519
Insurance---$46,663
Fees for Services Accounting---$35,319
Payments to Affiliates---$22,257
Total Functional Expenses$0$0$0$10,958,538

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$10,958,538
Total Expenses per Audited Statements$10,958,538
Total Expenses per Form 990$10,958,538
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
Shares$64,920,428
Money Market$40,253,581
Certificates$28,276,332
Share Drafts$25,359,802
Ira Shares$2,418,404
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

“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 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

“Upon receipt of the completed form 990, management reviews the document for accuracy and reasonableness. Once this review is completed, the governing body is infomed that the form has been filed with the irs and a copy is available upon request.”

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 15

“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 ncua's website via the 5300 call report filing.”

Filing and Contact Details

Filer

Filer Name
Blueox Credit Union
EIN
38-1480245
Phone
8006488035
Address
115 RIVERSIDE DR, BATTLE CREEK, MI 49015

Signing Officer

Name
Douglas J Orth
Title
President/CEO
Phone
2699657281
Signed
2020-09-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Fran Godfrey
Formed
1936
Legal Domicile
Mi
Voting Board Members
11
Independent Board Members
11
Employees
108
Volunteers
12

Preparer

Firm
Doeren Mayhew
Address
12060 S W 129TH COURT STE 201, MIAMI, FL 33186-4582
Preparer
Douglas J Orth
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“With the change in the michigan credit union act, we were able to eliminate the external supervisory committee. The supervisory committee is now comprised of members of blueox credit union's board of directors.”

Financial Statement Notes

PART X, LINE 2:

“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.”

Raw XML AppendixShowing 400 of 578 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/PersonNm3R HARVEY
IRS990/Form990PartVIISectionAGrp/PersonNm4A MUMFORD
IRS990/Form990PartVIISectionAGrp/PersonNm5D VOSHELL
IRS990/Form990PartVIISectionAGrp/PersonNm6J STANTON
IRS990/Form990PartVIISectionAGrp/PersonNm7J RATTI
IRS990/Form990PartVIISectionAGrp/PersonNm8M WALLACE
IRS990/Form990PartVIISectionAGrp/PersonNm9M DUTCHER
IRS990/Form990PartVIISectionAGrp/PersonNm10J MASS
IRS990/Form990PartVIISectionAGrp/PersonNm11F HETHERWICK
IRS990/Form990PartVIISectionAGrp/PersonNm12F GODFREY
IRS990/Form990PartVIISectionAGrp/PersonNm13J JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm14S COBB
IRS990/Form990PartVIISectionAGrp/PersonNm15M FAUROT
IRS990/Form990PartVIISectionAGrp/PersonNm16R ENGLISH
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14151646
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15141489
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR/SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR/VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR/CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt14PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP REAL ESTATE/COMMERCIAL
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IRS990/Form990TFiledInd01
IRS990/FormationYr01936
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
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IRS990/GamingActivitiesInd00
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GrossReceiptsAmt010885396
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0429204
IRS990/InsuranceGrp/TotalAmt046663
IRS990/IntangibleAssetsGrp/BOYAmt0464692
IRS990/IntangibleAssetsGrp/EOYAmt0376651
IRS990/InterestGrp/TotalAmt0861913
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01104731
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01104731
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt016049007
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt09633689
IRS990/InvestmentsPubTradedSecGrp/BOYAmt023313910
IRS990/InvestmentsPubTradedSecGrp/EOYAmt015867843
IRS990/IRPDocumentCnt03827
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04710840
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03753154
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05196521
IRS990/LandBldgEquipCostOrOtherBssAmt09907361
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0122598
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0BLUEOX CREDIT UNION WAS FOUNDED UPON THE SEVEN COOPERATIVE PRINCIPLES BASED IN THE PHILOSOPHY OF COOPERATION AND THE CENTRAL VALUES OF EQUALITY, EQUITY AND MUTUAL SELF-HELP. BLUEOX CREDIT UNION'S MISSION STATEMENT ILLUSTRATES THE BROTHERHOOD OF MAN THROUGH PEOPLE WORKING TOGETHER TO ACHIEVE A BETTER LIFE FOR THEMSELVES AND THEIR COMMUNITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt016478098
IRS990/NetAssetsOrFundBalancesEOYAmt016925406
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt026125
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt026125
IRS990/NetUnrelatedBusTxblIncmAmt018495
IRS990/NetUnrlzdGainsLossesInvstAmt0643048
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0194374
IRS990/OfficeExpensesGrp/TotalAmt0520600
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06040269
IRS990/OtherAssetsTotalGrp/EOYAmt05866444
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0635572
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1ATM/BANK SERVICE CHARGE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3REPAIRS MAINTENANCE
IRS990/OtherExpensesGrp/TotalAmt01201412
IRS990/OtherExpensesGrp/TotalAmt11008366
IRS990/OtherExpensesGrp/TotalAmt2480515
IRS990/OtherExpensesGrp/TotalAmt3232477
IRS990/OtherLiabilitiesGrp/BOYAmt0155043018
IRS990/OtherLiabilitiesGrp/EOYAmt0161228547
IRS990/OtherSalariesAndWagesGrp/TotalAmt02808916
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0106843234
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0114319827
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt022257
IRS990/PayrollTaxesGrp/TotalAmt0286377
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0271347
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0119090
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0225140
IRS990/PrincipalOfficerNm0FRAN GODFREY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/BusinessCd4525990
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2MECHANICAL REPAIR WARRANTY FEES
IRS990/ProgramServiceRevenueGrp/Desc3NON MEMBER ATM INCOME
IRS990/ProgramServiceRevenueGrp/Desc4SHARED BRANCHING
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06419961
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13177482
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06419961
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13177482
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt221200
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt311660
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt41639
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt021200
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt111660
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt21639
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01061460
IRS990/PYOtherExpensesAmt05614762
IRS990/PYOtherRevenueAmt0592981
IRS990/PYProgramServiceRevenueAmt08855390
IRS990/PYRevenuesLessExpensesAmt0624289
IRS990/PYSalariesCompEmpBnftPaidAmt04270780
IRS990/PYTotalExpensesAmt09885542
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt010509831
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt025384357
IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05610041
IRS990ScheduleD/EquipmentGrp/BookValueAmt0567646
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02936147
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03503793
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt010958538
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0511439
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0511439
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt06581
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt06581
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt038397
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0237110
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0275507
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt025359802
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt164920428
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt240253581
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32418404
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt428276332
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0333200
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt18189489
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2717900

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$179,407,752
Liabilities
$162,482,346
Net assets
$16,925,406
Revenue
$10,762,798
Expenses
$10,958,538
Net income
-$195,740
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