Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2020 • EIN 38-1489465

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 15, 2021

Organization Profilewww.embers.org

View Organization Page

601 S McClellan AveMarquette, MI 49855

(906) 228-7080

Siviq Scores

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

Liabilities / Assets

22nd percentile

0.87x

Higher debt load relative to assets than 22% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

89th percentile

25.04x

Higher debt load relative to revenue than 89% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Net Margin

21st percentile

6.0%

Higher net margin than 21% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

75th percentile

$571,105

Higher top officer pay than 75% of similar nonprofits.

Top officer pay equals 3.6% of source-year revenue.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Asset Growth

99th percentile

95%

Faster asset growth than 99% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Revenue Growth

98th percentile

41%

Faster revenue growth than 98% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets22nd percentile

Assets

Up

$456,299,976

Up $221,841,314 (+95%) from 2019

Net Assets

Up

$58,607,087

Up $25,785,223 (+79%) from 2019

Liabilities

Up

$397,692,889

Up $196,056,091 (+97%) from 2019

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin21st percentile

Revenue

Up

$15,884,770

Up $4,655,837 (+41%) from 2019

Expenses

Up

$14,931,153

Up $4,574,237 (+44%) from 2019

Net Income

Up

$953,617

Up $81,600 (+9.4%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth99th percentile

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

$600M$400M$200M$0Assets 2010: $120,323,291Liabilities 2010: $102,916,222Net Assets 2010: $17,407,0692010Assets 2011: $126,548,725Liabilities 2011: $107,529,670Net Assets 2011: $19,019,0552011Assets 2012: $137,968,916Liabilities 2012: $118,249,524Net Assets 2012: $19,719,3922012Assets 2013: $138,252,939Liabilities 2013: $118,369,589Net Assets 2013: $19,883,3502013Assets 2014: $145,690,383Liabilities 2014: $124,645,584Net Assets 2014: $21,044,7992014Assets 2015: $155,985,194Liabilities 2015: $133,399,438Net Assets 2015: $22,585,7562015Assets 2016: $163,458,437Liabilities 2016: $139,643,604Net Assets 2016: $23,814,8332016Assets 2017: $164,256,454Liabilities 2017: $138,870,157Net Assets 2017: $25,386,2972017Assets 2018: $176,724,593Liabilities 2018: $149,741,300Net Assets 2018: $26,983,2932018Assets 2019: $234,458,662Liabilities 2019: $201,636,798Net Assets 2019: $32,821,8642019Assets 2020: $456,299,976Liabilities 2020: $397,692,889Net Assets 2020: $58,607,0872020Assets 2021: $491,728,057Liabilities 2021: $434,047,021Net Assets 2021: $57,681,0362021Assets 2022: $485,631,668Liabilities 2022: $441,781,591Net Assets 2022: $43,850,0772022Assets 2023: $515,551,996Liabilities 2023: $466,876,540Net Assets 2023: $48,675,4562023Assets 2024: $548,839,668Liabilities 2024: $494,764,522Net Assets 2024: $54,075,1462024

Highlighted filing

2020

Assets$456,299,976
Liabilities$397,692,889
Net Assets$58,607,087
Open 2020 Filing

Operations Trend

Revenue Growth98th percentile

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

$30M$20M$10M$0Expenses 2010: $4,498,0232010Expenses 2011: $4,407,1042011Expenses 2012: $4,504,5462012Revenue 2013: $5,796,088Expenses 2013: $4,743,875Net Income 2013: $1,052,2132013Revenue 2014: $5,962,984Expenses 2014: $4,839,434Net Income 2014: $1,123,5502014Revenue 2015: $6,422,938Expenses 2015: $4,793,802Net Income 2015: $1,629,1362015Revenue 2016: $7,140,029Expenses 2016: $5,510,151Net Income 2016: $1,629,8782016Revenue 2017: $7,741,477Expenses 2017: $5,956,855Net Income 2017: $1,784,6222017Revenue 2018: $8,594,695Expenses 2018: $6,371,090Net Income 2018: $2,223,6052018Revenue 2019: $11,228,933Expenses 2019: $10,356,916Net Income 2019: $872,0172019Revenue 2020: $15,884,770Expenses 2020: $14,931,153Net Income 2020: $953,6172020Revenue 2021: $19,135,519Expenses 2021: $16,204,713Net Income 2021: $2,930,8062021Revenue 2022: $21,128,039Expenses 2022: $18,149,828Net Income 2022: $2,978,2112022Revenue 2023: $25,332,798Expenses 2023: $22,632,248Net Income 2023: $2,700,5502023Revenue 2024: $29,891,836Expenses 2024: $27,837,493Net Income 2024: $2,054,3432024

Highlighted filing

2020

Revenue$15,884,770
Expenses$14,931,153
Net Income$953,617
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 15, 2021
Return Version
2020v4.0
Gross Receipts
$15,884,770
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$137,705,972$234,135,500▲ $96,429,528
Savings and Temporary Cash Investments$37,391,342$104,026,210▲ $66,634,868
Investments in Publicly Traded Securities$35,532,696$82,965,481▲ $47,432,785
Rtn Earn Endowment Incm Other Fnds$32,821,864$58,607,087▲ $25,785,223
Land, Buildings, and Equipment, Net$8,393,731$13,494,298▲ $5,100,567
Cash and Non-Interest-Bearing Accounts$2,567,643$5,087,512▲ $2,519,869
Intangible Assets$478,318$4,666,576▲ $4,188,258
Investments Other Securities$7,222,267$4,331,430▼ $2,890,837
Prepaid Expenses and Deferred Charges$336,642$446,203▲ $109,561
Accounts Receivable$-371$80,785▲ $81,156
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Inventories for Sale or Use-$0-
Total Assets$234,458,662$456,299,976▲ $221,841,314
Other Assets Total$4,830,422$7,065,981▲ $2,235,559
Liabilities
Other Liabilities$198,975,607$389,080,689▲ $190,105,082
Accounts Payable and Accrued Expenses$2,661,191$8,612,200▲ $5,951,009
Total Liabilities$201,636,798$397,692,889▲ $196,056,091
Net Assets / Fund Balance
Total Net Assets Fund Balance$32,821,864$58,607,087▲ $25,785,223
Total Liabilities and Net Assets / Fund Balance$234,458,662$456,299,976▲ $221,841,314

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,551,777$1,950,468$12,502,245
Land$1,528,584-$1,528,584
Equipment$653,824$825,634$1,479,458
Other Land Buildings$685,585$659,226$1,344,811
Leasehold Improvements$74,528$249,781$324,309
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tom BlakeCEOFT$518,639$52,466$571,105
Matt NordVP COM LendingFT$160,732$29,416$190,148
David BlackVP/COOFT$153,538$29,321$182,859
Brenda LippensPresidentFT$120,887$46,113$167,000
Debbie DanielkiewiczVP Loan AdminFT$106,162$36,523$142,685
Justin StoreCisoFT$108,300$18,678$126,978
Suanne DebskiEvp/COOFT$52,953$10,672$63,625

Board Members and Trustees

NameTitle
Sandra Villa-MogushChairperson
Scott JamiesonVice Chair
Andrew WasilewskiDirector
Brian KulbiedaDirector
Gail AnthonyDirector
Jody JaegerDirector
Keith LynchDirector
Leonard AngeliDirector
Mark CanaleDirector
Randy VanPortflietDirector
William FernsSecretary/Treas

Highest Paid Contractors

ContractorServicesLocationCompensation
Cross General Contracting IncGeneral ContractingE8693 M28 W, Munising, MI 49862$2,350,498
Member Driven TechnologiesData Processing30230 Orchard Lake Road, Farmington Hills, MI 48334$832,994
Small Business Assc of MIGroup Health InsrPO Box 140167, Grand Rapids, MI 49514$609,348
JHA Card Processing SolutionsPlastic Card Proc.1100 Olive Way Suite 320, Seattle, WA 98101$453,321
MasterCardPlastic Card Network2000 Purchase St, Purchase, NY 10577$376,299
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,395,128
Investment Income
$1,489,642
Other Revenue
$0
Change in Net Assets
$953,617
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,148,508
Salaries, Compensation, and Employee Benefits$6,782,645
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,164,789
Office Expenses---$1,595,125
Current Officers, Directors, Trustees, and Key Employees---$1,444,400
Interest---$908,286
Depreciation Depletion---$636,406
Other Employee Benefits---$567,282
Occupancy---$462,507
Other Expenses---$431,681
Payroll Taxes---$357,991
Information Technology---$356,939
Advertising---$261,916
Pension Plan Contributions---$248,183
Conferences and Meetings---$163,071
Fees for Services Legal---$140,786
Fees for Services Other---$112,512
All Other Expenses---$105,655
Insurance---$71,204
Fees for Services Accounting---$2,000
Total Functional Expenses$0$0$0$14,931,153
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Share & Deposit Accounts$389,080,686
Rounding$3
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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, Line 6: Explanation of Classes of Members or Shareholder

“Section 501c(14) Credit Union is composed of members.”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Mergers are voted on by entire membership.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.”

Filing and Contact Details

Filer

Filer Name
Embers Credit Union
EIN
38-1489465
Phone
9062287080
Address
601 S McClellan Ave, Marquette, MI 49855

Signing Officer

Name
David Black
Title
VP/COO
Signed
2021-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tom Blake
Formed
1953
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
91
Volunteers
12

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Patrick Haughey
Phone
8005225820
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Increases

“Equity Acquired in Merger = $23863433”

Raw XML AppendixShowing 400 of 550 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/PersonNm1Matt Nord
IRS990/Form990PartVIISectionAGrp/PersonNm2David Black
IRS990/Form990PartVIISectionAGrp/PersonNm3Brenda Lippens
IRS990/Form990PartVIISectionAGrp/PersonNm4Debbie Danielkiewicz
IRS990/Form990PartVIISectionAGrp/PersonNm5Justin Store
IRS990/Form990PartVIISectionAGrp/PersonNm6Suanne Debski
IRS990/Form990PartVIISectionAGrp/PersonNm7Scott Jamieson
IRS990/Form990PartVIISectionAGrp/PersonNm8Sandra Villa-Mogush
IRS990/Form990PartVIISectionAGrp/PersonNm9William Ferns
IRS990/Form990PartVIISectionAGrp/PersonNm10Mark Canale
IRS990/Form990PartVIISectionAGrp/PersonNm11Jody Jaeger
IRS990/Form990PartVIISectionAGrp/PersonNm12Leonard Angeli
IRS990/Form990PartVIISectionAGrp/PersonNm13Brian Kulbieda
IRS990/Form990PartVIISectionAGrp/PersonNm14Gail Anthony
IRS990/Form990PartVIISectionAGrp/PersonNm15Andrew Wasilewski
IRS990/Form990PartVIISectionAGrp/PersonNm16Keith Lynch
IRS990/Form990PartVIISectionAGrp/PersonNm17Randy VanPortfliet
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1160732
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2153538
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3120887
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4106162
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5108300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt652953
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1VP Com Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt2VP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt3President
IRS990/Form990PartVIISectionAGrp/TitleTxt4VP Loan Admin
IRS990/Form990PartVIISectionAGrp/TitleTxt5CISO
IRS990/Form990PartVIISectionAGrp/TitleTxt6EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt7Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt8Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt9Secretary/Treas
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990PartVIISectionAGrp/TitleTxt15Director
IRS990/Form990PartVIISectionAGrp/TitleTxt16Director
IRS990/Form990PartVIISectionAGrp/TitleTxt17Director
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IRS990/Form990TFiledInd0true
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt015884770
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0356939
IRS990/InsuranceGrp/TotalAmt071204
IRS990/IntangibleAssetsGrp/BOYAmt0478318
IRS990/IntangibleAssetsGrp/EOYAmt04666576
IRS990/InterestGrp/TotalAmt0908286
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01489642
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01489642
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt07222267
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt04331430
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt035532696
IRS990/InvestmentsPubTradedSecGrp/EOYAmt082965481
IRS990/IRPDocumentCnt08408
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03685109
IRS990/LandBldgEquipBasisNetGrp/BOYAmt08393731
IRS990/LandBldgEquipBasisNetGrp/EOYAmt013494298
IRS990/LandBldgEquipCostOrOtherBssAmt017179407
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Provide financial services and products to members.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetAssetsOrFundBalancesEOYAmt058607087
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0968173
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0462507
IRS990/OfficeExpensesGrp/TotalAmt01595125
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04830422
IRS990/OtherAssetsTotalGrp/EOYAmt07065981
IRS990/OtherChangesInNetAssetsAmt023863433
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0567282
IRS990/OtherExpensesGrp/Desc0Merger Expenses
IRS990/OtherExpensesGrp/Desc1Misc other
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expenses
IRS990/OtherExpensesGrp/Desc3ATM-Debit Card Program Exp
IRS990/OtherExpensesGrp/TotalAmt01334557
IRS990/OtherExpensesGrp/TotalAmt1872366
IRS990/OtherExpensesGrp/TotalAmt2693497
IRS990/OtherExpensesGrp/TotalAmt3431681
IRS990/OtherLiabilitiesGrp/BOYAmt0198975607
IRS990/OtherLiabilitiesGrp/EOYAmt0389080689
IRS990/OtherRevenueMiscGrp/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/Desc0Income from Insurance
IRS990/OtherRevenueMiscGrp/Desc1Non-Member ATM Fees
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt04164789
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0137705972
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0234135500
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0357991
IRS990/PensionPlanContributionsGrp/TotalAmt0248183
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0336642
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0446203
IRS990/PrincipalOfficerNm0Tom Blake
IRS990/ProfessionalFundraisingInd0false
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IRS990/ProgramServiceRevenueGrp/Desc1Income from Insurance
IRS990/ProgramServiceRevenueGrp/Desc2Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc3Non-Member ATM Fees
IRS990/ProgramServiceRevenueGrp/Desc4Other Program Revenue
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt18418890
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22600801
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03324415
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt126151
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt28418890
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt324871
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt42600801
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0348
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt126151
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt224871
IRS990/ProgSrvcAccomActy2Grp/Desc0The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2020 was 18,363.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt01799986
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt06715233
IRS990/PYProgramServiceRevenueAmt09428947
IRS990/PYRevenuesLessExpensesAmt0872017
IRS990/PYSalariesCompEmpBnftPaidAmt03641683
IRS990/PYTotalExpensesAmt010356916
IRS990/PYTotalRevenueAmt011228933
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0953617
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt032821864

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$456,299,976
Liabilities
$397,692,889
Net assets
$58,607,087
Revenue
$15,884,770
Expenses
$14,931,153
Net income
$953,617
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$549$495$54.1$29.9$27.8$2.05
2023Detailed filing. Detailed filing data is available for this year.$516$467$48.7$25.3$22.6$2.70
2022Detailed filing. Detailed filing data is available for this year.$486$442$43.9$21.1$18.1$2.98
2021Detailed filing. Detailed filing data is available for this year.$492$434$57.7$19.1$16.2$2.93
2020Detailed filing. Detailed filing data is available for this year.$456$398$58.6$15.9$14.9$0.95
2019Detailed filing. Detailed filing data is available for this year.$234$202$32.8$11.2$10.4$0.87
2018Summary only. Only limited summary data is available for this year.$177$150$27.0$8.59$6.37$2.22
2017Detailed filing. Detailed filing data is available for this year.$164$139$25.4$7.74$5.96$1.78
2016Detailed filing. Detailed filing data is available for this year.$163$140$23.8$7.14$5.51$1.63
2015Detailed filing. Detailed filing data is available for this year.$156$133$22.6$6.42$4.79$1.63
2014Detailed filing. Detailed filing data is available for this year.$146$125$21.0$5.96$4.84$1.12
2013Detailed filing. Detailed filing data is available for this year.$138$118$19.9$5.80$4.74$1.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$138$118$19.7$4.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$127$108$19.0$4.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$120$103$17.4$4.50