Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2017 • EIN 38-1514946

Jan 01, 2017 to Dec 31, 2017 • Filed on Oct 23, 2018

Organization ProfileWWW.SECURITYCU.ORG

View Organization Page

5255 Security Park BlvdHolly, MI 48442

(810) 235-2322

Siviq Scores

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

Liabilities / Assets

79th percentile

0.91x

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

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

37th percentile

16.75x

Higher debt load relative to revenue than 37% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

8th percentile

3.6%

Higher net margin than 8% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

92nd percentile

$828,182

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 3.7% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

11th percentile

1.0%

Faster asset growth than 11% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

37th percentile

6.6%

Faster revenue growth than 37% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$415,381,893

Up $4,111,941 (+1.0%) from 2016

Net Assets

Up

$37,083,699

Up $1,024,294 (+2.8%) from 2016

Liabilities

Up

$378,298,194

Up $3,087,647 (+0.8%) from 2016

Revenue And Expenses
Liabilities / Revenue37th percentileNet Margin8th percentile

Revenue

Up

$22,586,424

Up $1,389,780 (+6.6%) from 2016

Expenses

Up

$21,781,938

Up $2,056,949 (+10%) from 2016

Net Income

Down

$804,486

Down $667,169 (-45%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

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

$800M$600M$400M$200M$0Assets 2010: $356,887,242Liabilities 2010: $327,683,982Net Assets 2010: $29,203,2602010Assets 2011: $355,801,669Liabilities 2011: $327,695,726Net Assets 2011: $28,105,9432011Assets 2012: $357,433,050Liabilities 2012: $328,500,108Net Assets 2012: $28,932,9422012Assets 2013: $380,950,718Liabilities 2013: $350,275,460Net Assets 2013: $30,675,2582013Assets 2014: $382,709,524Liabilities 2014: $349,432,077Net Assets 2014: $33,277,4472014Assets 2015: $406,245,681Liabilities 2015: $370,909,335Net Assets 2015: $35,336,3462015Assets 2016: $411,269,952Liabilities 2016: $375,210,547Net Assets 2016: $36,059,4052016Assets 2017: $415,381,893Liabilities 2017: $378,298,194Net Assets 2017: $37,083,6992017Assets 2018: $420,236,602Liabilities 2018: $383,170,975Net Assets 2018: $37,065,6272018Assets 2019: $445,821,034Liabilities 2019: $405,565,254Net Assets 2019: $40,255,7802019Assets 2020: $541,296,388Liabilities 2020: $497,746,620Net Assets 2020: $43,549,7682020Assets 2021: $601,751,923Liabilities 2021: $555,915,107Net Assets 2021: $45,836,8162021Assets 2022: $624,480,675Liabilities 2022: $583,476,701Net Assets 2022: $41,003,9742022Assets 2023: $638,584,325Liabilities 2023: $593,869,029Net Assets 2023: $44,715,2962023Assets 2024: $637,849,652Liabilities 2024: $587,356,323Net Assets 2024: $50,493,3292024

Highlighted filing

2017

Assets$415,381,893
Liabilities$378,298,194
Net Assets$37,083,699
Open 2017 Filing

Operations Trend

Revenue Growth37th percentile

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

$60M$40M$20M$0-$20MExpenses 2010: $24,204,0052010Revenue 2011: $19,296,389Expenses 2011: $20,393,706Net Income 2011: -$1,097,3172011Expenses 2012: $17,757,9442012Revenue 2013: $18,920,270Expenses 2013: $17,180,195Net Income 2013: $1,740,0752013Revenue 2014: $18,384,437Expenses 2014: $16,830,092Net Income 2014: $1,554,3452014Revenue 2015: $19,285,252Expenses 2015: $17,223,970Net Income 2015: $2,061,2822015Revenue 2016: $21,196,644Expenses 2016: $19,724,989Net Income 2016: $1,471,6552016Revenue 2017: $22,586,424Expenses 2017: $21,781,938Net Income 2017: $804,4862017Revenue 2018: $23,588,396Expenses 2018: $22,352,754Net Income 2018: $1,235,6422018Revenue 2019: $26,163,596Expenses 2019: $24,229,303Net Income 2019: $1,934,2932019Revenue 2020: $27,011,920Expenses 2020: $25,008,443Net Income 2020: $2,003,4772020Revenue 2021: $27,633,370Expenses 2021: $23,514,257Net Income 2021: $4,119,1132021Revenue 2022: $29,269,007Expenses 2022: $25,015,361Net Income 2022: $4,253,6462022Revenue 2023: $35,342,586Expenses 2023: $32,208,152Net Income 2023: $3,134,4342023Revenue 2024: $40,160,457Expenses 2024: $36,856,950Net Income 2024: $3,303,5072024

Highlighted filing

2017

Revenue$22,586,424
Expenses$21,781,938
Net Income$804,486
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Oct 23, 2018
Return Version
2017v2.3
Gross Receipts
$32,880,148
Mission and Program Overview

Mission

We are our members' trusted, secure financial cooperative dedicated to providing exceptional value, personalized service, and convenience.

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$274,718,961$302,785,183▲ $28,066,222
Investments Other Securities$70,814,596$37,438,319▼ $33,376,277
Rtn Earn Endowment Incm Other Fnds$36,059,405$37,083,699▲ $1,024,294
Land, Buildings, and Equipment, Net$20,407,167$27,648,322▲ $7,241,155
Savings and Temporary Cash Investments$13,409,923$17,648,044▲ $4,238,121
Investments in Publicly Traded Securities$7,518,909$9,398,791▲ $1,879,882
Cash and Non-Interest-Bearing Accounts$9,345,923$8,402,264▼ $943,659
Investments Program Related$7,987,833$4,360,394▼ $3,627,439
Prepaid Expenses and Deferred Charges$567,120$678,490▲ $111,370
Accounts Receivable$1,557,739$640,967▼ $916,772
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$411,269,952$415,381,893▲ $4,111,941
Other Assets Total$4,941,781$6,381,119▲ $1,439,338
Liabilities
Other Liabilities$370,025,929$371,257,118▲ $1,231,189
Accounts Payable and Accrued Expenses$5,184,618$7,041,076▲ $1,856,458
Total Liabilities$375,210,547$378,298,194▲ $3,087,647
Net Assets / Fund Balance
Total Net Assets Fund Balance$36,059,405$37,083,699▲ $1,024,294
Total Liabilities and Net Assets / Fund Balance$411,269,952$415,381,893▲ $4,111,941

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$14,662,467$3,421,412$18,083,879
Equipment$3,373,181$5,450,449$8,823,630
Land$8,392,245-$8,392,245
Leasehold Improvements$1,220,429$559,382$1,779,811
Other Securities$1,139,827--
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christopher EstesPresident/CEOFT$289,480$538,702$828,182
Chad MerrihewSVP/COOFT$128,184$67,659$195,843
Joseph ReganVP ItFT$113,255$30,080$143,335
Chris BowmanVP AccountingFT$109,065$31,577$140,642
Jay YaxVP Hr & ComplianceFT$102,299$30,890$133,189

Board Members and Trustees

NameTitle
Kennith ScottChairperson
John TruchanVice Chairperson
Donald HenryDirector
Joseph NiedzwieckiDirector
Donald SorensenDirector Until 3/18
Jessie CollinsDirector Until 3/18
Lauren EmmonsDirector Until 3/18
Ron DodgeDirector Until 3/18
Tom CrooksDirector Until 3/18
Vic CarpenterDirector Until 3/18
Wilda FoyDirector Until 3/18
Richard HazelSecretary
Phil ThickTreasurer 3/18-current
Gerald DemariaTreasurer Until 3/18

Highest Paid Contractors

ContractorServicesLocationCompensation
Siwek ConstructionConstruction5020 PILGRIM ROAD, Flint, MI 48507$6,496,419
FiservMc Debit Fees75 REMITTANCE DR SUITE 6956, Chicago, IL 60675$1,367,451
Jack Henry & Associates INCComputers/hardware/softwarePO BOX 609, Monett, MO 65708$1,024,380
Nbs Commercial InteriorsInterior Design56973 RELIABLE PARKWAY, Chicago, IL 60686$482,239
DieboldHardware/softwarePO BOX 643543, Pittsburgh, PA 15264$342,408
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$20,716,133
Investment Income
$1,870,291
Other Revenue
$0
Change in Net Assets
$804,486

Audited Revenue Reconciliation

Revenue per Audited Statements
$22,426,774
Revenue Not Reported on Financial Statements
$159,650
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$159,650
Total Revenue per Audited Statements
$22,426,774
Total Revenue per Form 990
$22,586,424
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,475,138
Salaries, Compensation, and Employee Benefits$8,306,800
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,296,129
Office Expenses---$3,085,288
Depreciation Depletion---$1,309,692
Other Employee Benefits---$1,302,114
Occupancy---$1,052,079
Current Officers, Directors, Trustees, and Key Employees---$968,824
Advertising---$799,071
Information Technology---$522,884
Payroll Taxes---$506,575
Interest---$378,919
Pension Plan Contributions---$233,158
Insurance---$204,447
Other Expenses---$90,385
Conferences and Meetings---$83,693
Travel---$73,964
Fees for Services Accounting---$59,400
Fees for Services Other---$53,945
Fees for Services Legal---$41,064
All Other Expenses---$21,674
Total Functional Expenses$0$0$0$21,781,938

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$21,781,938
Total Expenses per Form 990$21,781,938
Total Expenses per Audited Statements$21,622,288
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$-159,650
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 and Deposits$371,257,118
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 a single class of members, with equal rights of ownership, governance, and voting.”

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

“Members elect members of the governing body each year at the annual meeting. Board of directors members are elected for three year terms.”

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

“Decisions of the governing body that are subject to membership approval are mergers into another institution and charter changes.”

Form 990, Part VI, Section A, Line 8B

“The organization has no committees.”

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

“A review is completed by the vp accounting prior to submission to the irs.”

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

“Upon election or appointment, the board of directors sign an oath of office that includes a conflict of interest statement. Management signs a conflict of interest policy annually and is reviewed by the president/ceo.”

Form 990, Part VI, Section B, Line 15

“The board of directors reviews the president/ceo performance and approves compensation. This is documented in the minutes and credit union executive society (cues), as well as the national association of credit union chairmen ceo salary survey. The president/ceo reviews all executive compensation using the credit union executive society (cues) guide and documentation is retained in their personnel files.”

Form 990, Part VI, Section C, Line 19

“The financial statements are posted in the lobby of each office. Other documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Security Credit Union
EIN
38-1514946
Phone
8102352322
Address
5255 SECURITY PARK BLVD, HOLLY, MI 48442

Signing Officer

Name
Christopher L Bowman
Title
VP Accounting
Phone
8102352322
Signed
2018-10-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christopher Estes
Formed
1955
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
6
Employees
45
Volunteers
14

Preparer

Firm
Doeren Mayhew
Address
305 W BIG BEAVER ROAD, TROY, MI 48084
Preparer
Jack Tracy CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Unrecognized retirement costs 15,241.”

Form 990, Part XII, Line 2C

“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute (irc section 501(c)14), from federal and state income taxes.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Gain on equity investment included within expenses in audited financial statements, but reported in statement of revenue in form 990 196,463. Loss on sale of oreo included within expenses in audited financial statements, but reported in statement of revenue in form 990 -36,813.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Gain on equity investment included within expenses in audited financial statements, but reported in statement of revenue in form 990 -196,463. Loss on sale of oreo included within expenses in audited financial statements, but reported in statement of revenue in form 990 36,813.”

Raw XML AppendixShowing 400 of 566 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/OtherCompensationAmt1830890
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IRS990/Form990PartVIISectionAGrp/PersonNm3GERALD DEMARIA
IRS990/Form990PartVIISectionAGrp/PersonNm4VIC CARPENTER
IRS990/Form990PartVIISectionAGrp/PersonNm5TOM CROOKS
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IRS990/Form990PartVIISectionAGrp/PersonNm7LAUREN EMMONS
IRS990/Form990PartVIISectionAGrp/PersonNm8WILDA FOY
IRS990/Form990PartVIISectionAGrp/PersonNm9DONALD HENRY
IRS990/Form990PartVIISectionAGrp/PersonNm10JOSEPH NIEDZWIECKI
IRS990/Form990PartVIISectionAGrp/PersonNm11DONALD SORENSEN
IRS990/Form990PartVIISectionAGrp/PersonNm12PHIL THICK
IRS990/Form990PartVIISectionAGrp/PersonNm13JESSIE COLLINS
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IRS990/Form990PartVIISectionAGrp/PersonNm15CHRIS BOWMAN
IRS990/Form990PartVIISectionAGrp/PersonNm16CHAD MERRIHEW
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IRS990/Form990PartVIISectionAGrp/PersonNm18JAY YAX
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15109065
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16142812
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17113255
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18102299
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER UNTIL 3/18
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR UNTIL 3/18
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR UNTIL 3/18
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR UNTIL 3/18
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR UNTIL 3/18
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR UNTIL 3/18
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR UNTIL 3/18
IRS990/Form990PartVIISectionAGrp/TitleTxt12TREASURER 3/18-CURRENT
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR UNTIL 3/18
IRS990/Form990PartVIISectionAGrp/TitleTxt14PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP HR & COMPLIANCE
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0154075
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt010447799
IRS990/GrossReceiptsAmt032880148
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt05
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0522884
IRS990/InsuranceGrp/TotalAmt0204447
IRS990/InterestGrp/TotalAmt0378919
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01716216
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01716216
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt070814596
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt037438319
IRS990/InvestmentsProgramRelatedGrp/BOYAmt07987833
IRS990/InvestmentsProgramRelatedGrp/EOYAmt04360394
IRS990/InvestmentsPubTradedSecGrp/BOYAmt07518909
IRS990/InvestmentsPubTradedSecGrp/EOYAmt09398791
IRS990/IRPDocumentCnt05724
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09431243
IRS990/LandBldgEquipBasisNetGrp/BOYAmt020407167
IRS990/LandBldgEquipBasisNetGrp/EOYAmt027648322
IRS990/LandBldgEquipCostOrOtherBssAmt037079565
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt010293724
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE ARE OUR MEMBERS' TRUSTED, SECURE FINANCIAL COOPERATIVE DEDICATED TO PROVIDING EXCEPTIONAL VALUE, PERSONALIZED SERVICE, AND CONVENIENCE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt036059405
IRS990/NetAssetsOrFundBalancesEOYAmt037083699
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0154075
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0154075
IRS990/NetUnrelatedBusTxblIncmAmt0-276583
IRS990/NetUnrlzdGainsLossesInvstAmt0204567
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01052079
IRS990/OfficeExpensesGrp/TotalAmt03085288
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04941781
IRS990/OtherAssetsTotalGrp/EOYAmt06381119
IRS990/OtherChangesInNetAssetsAmt015241
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01302114
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2OTHER OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc3OPERATING FEE
IRS990/OtherExpensesGrp/TotalAmt03035825
IRS990/OtherExpensesGrp/TotalAmt12314522
IRS990/OtherExpensesGrp/TotalAmt2348286
IRS990/OtherExpensesGrp/TotalAmt390385
IRS990/OtherLiabilitiesGrp/BOYAmt0370025929
IRS990/OtherLiabilitiesGrp/EOYAmt0371257118
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt05296129
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0274718961
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0302785183
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0506575
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0233158
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0567120
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0678490
IRS990/PrincipalOfficerNm0CHRISTOPHER ESTES
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3NON-MEMBER ATM INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt013715975
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt16790212
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt013715975
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt16790212
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2112846
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt397100
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0112846
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt197100
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 28,306 LOANS, INCLUDING VEHICLE, BUSINESS, FIRST MORTGAGE, HOME EQUITY, LINE OF CREDIT, AND UNSECURED LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER AUTOMATED TELLER MACHINES, WIRE TRANSFERS, MONEY ORDERS, HOME BANKING, MOBILE BANKING, AND VARIOUS INSURANCE PROGRAMS.
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IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt018992167
IRS990/PYRevenuesLessExpensesAmt01471655
IRS990/PYSalariesCompEmpBnftPaidAmt07650390
IRS990/PYTotalExpensesAmt019724989
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt021196644
IRS990/ReconcilationRevenueExpnssAmt0804486
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt036059405
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt037083699
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013409923
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017648044
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt014662467
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03421412
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt018083879
IRS990ScheduleD/EquipmentGrp/BookValueAmt03373181
IRS990ScheduleD/EquipmentGrp/DepreciationAmt05450449
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt08823630
IRS990ScheduleD/ExpensesNotReportedAmt0-159650
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt021781938
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt08392245
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt08392245
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01220429
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0559382
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01779811
IRS990ScheduleD/OtherExpensesIncludedAmt0-159650
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0371257118
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES AND DEPOSITS
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0159650
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt036298492
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11139827

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$415,381,893
Liabilities
$378,298,194
Net assets
$37,083,699
Revenue
$22,586,424
Expenses
$21,781,938
Net income
$804,486
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$638$587$50.5$40.2$36.9$3.30
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$639$594$44.7$35.3$32.2$3.13
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$624$583$41.0$29.3$25.0$4.25
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$602$556$45.8$27.6$23.5$4.12
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$541$498$43.5$27.0$25.0$2.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$446$406$40.3$26.2$24.2$1.93
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$420$383$37.1$23.6$22.4$1.24
2017Detailed filing. Detailed filing data is available for this year.$415$378$37.1$22.6$21.8$0.80
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$411$375$36.1$21.2$19.7$1.47
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$406$371$35.3$19.3$17.2$2.06
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$383$349$33.3$18.4$16.8$1.55
2013Detailed filing. Detailed filing data is available for this year.$381$350$30.7$18.9$17.2$1.74
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$357$329$28.9$17.8
2011Summary only. Only limited summary data is available for this year.$356$328$28.1$19.3$20.4$1.10
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$357$328$29.2$24.2