Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2011 • EIN 38-1515480

Jan 01, 2011 to Dec 31, 2011 • Filed on Aug 13, 2012

Organization Profilewww.wanigas.com

View Organization Page

1837 Bagley Street48601
Siviq Scores

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

Liabilities / Assets

42nd percentile

0.89x

Higher debt load relative to assets than 42% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

66th percentile

7.2%

Faster asset growth than 66% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Up

$263,240,306

Up $17,681,650 (+7.2%) from 2010

Net Assets

Up

$28,297,099

Up $2,459,059 (+9.5%) from 2010

Liabilities

Up

$234,943,207

Up $15,222,591 (+6.9%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$13,144,485

Up $237,521 (+1.8%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth66th percentile

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

$400M$300M$200M$100M$0Assets 2010: $245,558,656Liabilities 2010: $219,720,616Net Assets 2010: $25,838,0402010Assets 2011: $263,240,306Liabilities 2011: $234,943,207Net Assets 2011: $28,297,0992011Assets 2012: $269,001,764Liabilities 2012: $237,500,143Net Assets 2012: $31,501,6212012Assets 2013: $286,886,808Liabilities 2013: $253,408,593Net Assets 2013: $33,478,2152013Assets 2014: $298,255,800Liabilities 2014: $261,150,791Net Assets 2014: $37,105,0092014Assets 2015: $306,565,515Liabilities 2015: $266,690,031Net Assets 2015: $39,875,4842015Assets 2016: $326,110,499Liabilities 2016: $284,185,052Net Assets 2016: $41,925,4472016Assets 2017: $319,404,298Liabilities 2017: $275,494,620Net Assets 2017: $43,909,6782017Assets 2018: $325,627,583Liabilities 2018: $280,004,444Net Assets 2018: $45,623,1392018Assets 2019: $338,938,733Liabilities 2019: $289,296,766Net Assets 2019: $49,641,9672019Assets 2020: $389,774,873Liabilities 2020: $335,606,800Net Assets 2020: $54,168,0732020

Highlighted filing

2011

Assets$263,240,306
Liabilities$234,943,207
Net Assets$28,297,099
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$20M$15M$10M$5.0M$0Expenses 2010: $12,906,9642010Expenses 2011: $13,144,4852011Expenses 2012: $12,433,8452012Revenue 2013: $14,892,258Expenses 2013: $11,787,586Net Income 2013: $3,104,6722013Revenue 2014: $15,194,890Expenses 2014: $11,724,533Net Income 2014: $3,470,3572014Revenue 2015: $15,739,713Expenses 2015: $12,770,157Net Income 2015: $2,969,5562015Revenue 2016: $16,642,141Expenses 2016: $13,797,653Net Income 2016: $2,844,4882016Revenue 2017: $16,857,036Expenses 2017: $14,429,899Net Income 2017: $2,427,1372017Revenue 2018: $17,789,919Expenses 2018: $14,696,918Net Income 2018: $3,093,0012018Revenue 2019: $18,618,496Expenses 2019: $16,251,625Net Income 2019: $2,366,8712019Revenue 2020: $19,217,947Expenses 2020: $15,901,807Net Income 2020: $3,316,1402020

Highlighted filing

2011

Revenue-
Expenses$13,144,485
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Aug 13, 2012
Return Version
2011v1.2
Gross Receipts
$15,334,277
Mission and Program Overview

Mission

A member-owned financial cooperative dedicated to providing a full range of quality financial products and services that meet the ever-changing needs of our membership.

Major Activities

Activity 2
Provide 17,630 loans including Vehicle, Signature, Recreational Vehicle, Student, Mortgage, Home Equity, Overdraft Privilege, Overdraft Protection and Credit Card loans.
Activity 3
Offer Automated Teller Machines, Safe Deposit Boxes, Wire Transfers, Money Orders, Debit Cards and various insurance programs.
Filing and Contact Details

Filer

EIN
38-1515480
Raw XML AppendixShowing 400 of 499 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.

Path#Value
IRS990/AccountantCompileOrReview00
IRS990/AccountsPayableAccruedExpenses/BOY03155088
IRS990/AccountsPayableAccruedExpenses/EOY03164240
IRS990/ActivitiesConductedPartnership00
IRS990/Activity2/Description0Provide 17,630 loans including Vehicle, Signature, Recreational Vehicle, Student, Mortgage, Home Equity, Overdraft Privilege, Overdraft Protection and Credit Card loans.
IRS990/Activity2/Expense00
IRS990/Activity2/Grants00
IRS990/Activity2/Revenue00
IRS990/Activity3/Description0Offer Automated Teller Machines, Safe Deposit Boxes, Wire Transfers, Money Orders, Debit Cards and various insurance programs.
IRS990/Activity3/Expense00
IRS990/Activity3/Grants00
IRS990/Activity3/Revenue00
IRS990/ActivityOrMissionDescription0To provide financial services to member owners with a common bond.
IRS990/AddressPrincipalOfficerUS/AddressLine101837 Bagley Street
IRS990/AddressPrincipalOfficerUS/City0Saginaw
IRS990/AddressPrincipalOfficerUS/State0MI
IRS990/AddressPrincipalOfficerUS/ZIPCode048601
IRS990/Advertising/Total0300470
IRS990/AllOtherExpenses/Total055949
IRS990/AnnualDisclosureCoveredPersons01
IRS990/AuditCommittee01
IRS990/BenefitsPaidToMembersCY00
IRS990/BenefitsPaidToMembersPriorYear00
IRS990/BsnssRltnshpThruFamilyMember00
IRS990/BsnssRltnshpWithOrganization00
IRS990/CapStckTrstPrinCurrentFunds/BOY00
IRS990/CapStckTrstPrinCurrentFunds/EOY00
IRS990/CashNonInterestBearing/BOY07672125
IRS990/CashNonInterestBearing/EOY07980859
IRS990/ChangesToOrganizingDocs00
IRS990/CollectionsOfArt00
IRS990/CompCurrentOfficersDirectors/Total0666108
IRS990/CompensationFromOtherSources00
IRS990/CompensationProcessCEO01
IRS990/CompensationProcessOther01
IRS990/ComplianceWithBackupWitholding01
IRS990/ConferencesMeetings/Total0214746
IRS990/ConflictOfInterestPolicy01
IRS990/ConservationEasements00
IRS990/ConsolidatedAuditFinancialStmt00
IRS990/ContributionsGrantsCurrentYear00
IRS990/ContributionsGrantsPriorYear00
IRS990/CreditCounseling00
IRS990/DecisionsSubjectToApproval01
IRS990/DeductibleContributionsOfArt00
IRS990/DeductibleNonCashContributions00
IRS990/DelegationOfManagementDuties00
IRS990/DepreciationDepletion/Total0407910
IRS990/DescribedIn501C300
IRS990/Description0Provide 26,838 members with Regular Shares, Vacation, Christmas Club, Cash Management, Business, IRA and Certificate of Deposit accounts totaling 51,936.
IRS990/DisregardedEntity00
IRS990/DocumentRetentionPolicy01
IRS990/DonorAdvisedFunds00
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers01
IRS990/EmploymentTaxReturnsFiled01
IRS990/Expense00
IRS990/FamilyOrBusinessRelationship00
IRS990/FederalGrantAuditRequired00
IRS990/FeesForServicesOther/Total0296114
IRS990/FinancialStatementSeparate0X
IRS990/ForeignActivities00
IRS990/ForeignFinancialAccount00
IRS990/ForeignOffice00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek01
IRS990/Form990PartVIISectionA/AverageHoursPerWeek11
IRS990/Form990PartVIISectionA/AverageHoursPerWeek21
IRS990/Form990PartVIISectionA/AverageHoursPerWeek31
IRS990/Form990PartVIISectionA/AverageHoursPerWeek41
IRS990/Form990PartVIISectionA/AverageHoursPerWeek51
IRS990/Form990PartVIISectionA/AverageHoursPerWeek61
IRS990/Form990PartVIISectionA/AverageHoursPerWeek740
IRS990/Form990PartVIISectionA/AverageHoursPerWeek840
IRS990/Form990PartVIISectionA/AverageHoursPerWeek940
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1040
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee0X
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/NamePerson0Gerald Little
IRS990/Form990PartVIISectionA/NamePerson1Larry Gosen
IRS990/Form990PartVIISectionA/NamePerson2Oscar Gonzales
IRS990/Form990PartVIISectionA/NamePerson3Michael Balls
IRS990/Form990PartVIISectionA/NamePerson4Sheldon Matthews
IRS990/Form990PartVIISectionA/NamePerson5Steve Jurik
IRS990/Form990PartVIISectionA/NamePerson6Valorie Green
IRS990/Form990PartVIISectionA/NamePerson7Jay Julius Peitsch Sr
IRS990/Form990PartVIISectionA/NamePerson8Bernard D Williams
IRS990/Form990PartVIISectionA/NamePerson9Tammy A OLeary
IRS990/Form990PartVIISectionA/NamePerson10Kristine Bauer
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation727461
IRS990/Form990PartVIISectionA/OtherCompensation846457
IRS990/Form990PartVIISectionA/OtherCompensation928565
IRS990/Form990PartVIISectionA/OtherCompensation1021127
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization796810
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization8223401
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization9106140
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10109147
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs80
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs90
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs100
IRS990/Form990PartVIISectionA/Title0Director
IRS990/Form990PartVIISectionA/Title1Director
IRS990/Form990PartVIISectionA/Title2Chairperson
IRS990/Form990PartVIISectionA/Title3Vice Chairperson
IRS990/Form990PartVIISectionA/Title4Director
IRS990/Form990PartVIISectionA/Title5Secretary
IRS990/Form990PartVIISectionA/Title6Treasurer
IRS990/Form990PartVIISectionA/Title7CFO
IRS990/Form990PartVIISectionA/Title8CEO
IRS990/Form990PartVIISectionA/Title9Director of Lending
IRS990/Form990PartVIISectionA/Title10I.S. Manager
IRS990/Form990ProvidedToGoverningBody00
IRS990/Form990-TFiled01
IRS990/FormersListed00
IRS990/FSAudited01
IRS990/FundraisingActivities00
IRS990/GainOrLoss/Other022681
IRS990/GainOrLoss/Securities00
IRS990/Gaming00
IRS990/Grants00
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsAndSimilarAmntsPriorYear00
IRS990/GrantsToIndividuals00
IRS990/GrantsToOrganizations00
IRS990/GrantToRelatedPerson00
IRS990/GrossAmountSalesAssets/Other0503400
IRS990/GrossAmountSalesAssets/Securities00
IRS990/GrossReceipts015334277
IRS990/GroupReturnForAffiliates00
IRS990/Hospital00
IRS990/IncomeFromInvestBondProceeds/ExclusionAmount00
IRS990/IncomeFromInvestBondProceeds/RelatedOrExemptFunctionIncome00
IRS990/IncomeFromInvestBondProceeds/TotalRevenueColumn00
IRS990/IncomeFromInvestBondProceeds/UnrelatedBusinessRevenue00
IRS990/IndependentAuditFinancialStmt00
IRS990/IndoorTanningServices00
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/InformationTechnology/Total0253894
IRS990/Insurance/Total0606878
IRS990/Interest/Total01571276
IRS990/InvestmentIncomeCurrentYear01753623
IRS990/InvestmentIncome/ExclusionAmount00
IRS990/InvestmentIncomePriorYear01777797
IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome01730942
IRS990/InvestmentIncome/TotalRevenueColumn01730942
IRS990/InvestmentIncome/UnrelatedBusinessRevenue00
IRS990/InvestmentInJointVenture00
IRS990/InvestmentsOtherSecurities/BOY068647416
IRS990/InvestmentsOtherSecurities/EOY074990118
IRS990/InvestmentsProgramRelated/BOY06101
IRS990/InvestmentsProgramRelated/EOY0561666
IRS990/LandBldgEquipmentAccumDeprec02521004
IRS990/LandBuildingsEquipmentBasis07134621
IRS990/LandBuildingsEquipmentBasisNet/BOY04384396
IRS990/LandBuildingsEquipmentBasisNet/EOY04613617
IRS990/LessCostOthBasisSalesExpenses/Other0480719
IRS990/LessCostOthBasisSalesExpenses/Securities00
IRS990/LoanToOfficerOrDQP01
IRS990/LocalChapters01
IRS990/MaterialDiversionOrMisuse00
IRS990/MembersOrStockholders01
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees01
IRS990/MinutesOfGoverningBody01
IRS990/MissionDescription0A member-owned financial cooperative dedicated to providing a full range of quality financial products and services that meet the ever-changing needs of our membership.
IRS990/MoreThan5000KToIndividuals00
IRS990/MoreThan5000KToOrganizations00
IRS990/MortNotesPyblSecuredInvestProp/BOY06635321
IRS990/MortNotesPyblSecuredInvestProp/EOY08128892
IRS990/NameOfPrincipalOfficerPerson0Bernard D Williams
IRS990/NbrIndependentVotingMembers07
IRS990/NbrVotingGoverningBodyMembers07
IRS990/NbrVotingMembersGoverningBody07
IRS990/NetAssetsOrFundBalancesBOY025838040
IRS990/NetAssetsOrFundBalancesEOY028297099
IRS990/NetGainOrLossInvestments/ExclusionAmount00
IRS990/NetGainOrLossInvestments/RelatedOrExemptFunctionIncome022681
IRS990/NetGainOrLossInvestments/TotalRevenueColumn022681
IRS990/NetGainOrLossInvestments/UnrelatedBusinessRevenue00
IRS990/NetUnrelatedBusinessTxblIncome0-2408
IRS990/NonDeductibleContributions00
IRS990/NumberFormsTransmittedWith109606918
IRS990/NumberIndependentVotingMembers07
IRS990/NumberIndividualsGT100K03
IRS990/NumberOfContractorsGT100K00
IRS990/NumberOfEmployees0111
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total0370158
IRS990/OfficeExpenses/Total01528701
IRS990/OfficerEntityWithBsnssRltnshp00
IRS990/OfficerMailingAddress00
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY05508944
IRS990/OtherAssetsTotal/EOY03798378
IRS990/OtherEmployeeBenefits/Total0879090
IRS990/OtherExpensePriorYear07427837
IRS990/OtherExpensesCurrentYear07299310
IRS990/OtherExpenses/Description0Provision for Loan Loss
IRS990/OtherExpenses/Description1Loan Servicing
IRS990/OtherExpenses/Description2Miscellaneous Operating
IRS990/OtherExpenses/Description3Foreclosure Expenses
IRS990/OtherExpenses/Total0804559
IRS990/OtherExpenses/Total1650228
IRS990/OtherExpenses/Total2116722
IRS990/OtherExpenses/Total399608
IRS990/OtherLiabilities/BOY0209930207
IRS990/OtherLiabilities/EOY0223650075
IRS990/OtherNotesLoansReceivableNet/BOY0158940093
IRS990/OtherNotesLoansReceivableNet/EOY0168544431
IRS990/OtherRevenueCurrentYear00
IRS990/OtherRevenuePriorYear00
IRS990/OtherSalariesAndWages/Total03718804
IRS990/PaidInCapSrplsLandBldgEqpFund/BOY00
IRS990/PaidInCapSrplsLandBldgEqpFund/EOY00
IRS990/PartialLiquidation00
IRS990/PayrollTaxes/Total0334966
IRS990/PensionPlanContributions/Total0246207
IRS990/PledgesAndGrantsReceivable/EOY02437626
IRS990/PoliciesReferenceChapters01
IRS990/PoliticalActivities00
IRS990/PrepaidExpensesDeferredCharges/BOY0366889
IRS990/PrepaidExpensesDeferredCharges/EOY0298499
IRS990/ProfessionalFundraising00
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenue/BusinessCode2517000
IRS990/ProgramServiceRevenueCY013099935
IRS990/ProgramServiceRevenue/Description0Loan Interest
IRS990/ProgramServiceRevenue/Description1Fee Income
IRS990/ProgramServiceRevenue/Description2Other Income
IRS990/ProgramServiceRevenue/ExclusionAmount00
IRS990/ProgramServiceRevenue/ExclusionAmount10
IRS990/ProgramServiceRevenue/ExclusionAmount20
IRS990/ProgramServiceRevenuePriorYear013228158
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome09670447
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome11898950
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome21481318
IRS990/ProgramServiceRevenue/TotalRevenueColumn09670447
IRS990/ProgramServiceRevenue/TotalRevenueColumn11939068
IRS990/ProgramServiceRevenue/TotalRevenueColumn21490420
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue00
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue140118
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue29102
IRS990/ProhibitedTaxShelterTrans00
IRS990/ReceivablesFromOfficersEtc/BOY031042
IRS990/ReceivablesFromOfficersEtc/EOY014307
IRS990/ReconcilationOtherChanges0749986
IRS990/ReconcilationRevenueExpenses01709073
IRS990/RegularMonitoringEnforcement01
IRS990/RelatedEntity00
IRS990/RelatedOrgControlledEntity00
IRS990/RentalIncomeOrLoss/Personal00
IRS990/RentalIncomeOrLoss/Real00
IRS990/ReportFin48Footnote00
IRS990/ReportInvestOthSecurities01
IRS990/ReportLandBldgEquip01
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities01
IRS990/ReportProgRelInvest00
IRS990/RetainedEarningsEndowmentEtc/BOY025838040
IRS990/RetainedEarningsEndowmentEtc/EOY028297099
IRS990/Revenue00
IRS990/RevenuesLessExpensesCY01709073
IRS990/RevenuesLessExpensesPriorYear02098991
IRS990/RoyaltiesRevenue/ExclusionAmount00
IRS990/RoyaltiesRevenue/RelatedOrExemptFunctionIncome00
IRS990/RoyaltiesRevenue/TotalRevenueColumn00
IRS990/RoyaltiesRevenue/UnrelatedBusinessRevenue00
IRS990/SalariesEtcCurrentYear05845175
IRS990/SalariesEtcPriorYear05479127
IRS990/SavingsAndTempCashInvestments/BOY01650
IRS990/SavingsAndTempCashInvestments/EOY0805
IRS990/ScheduleBRequired00
IRS990ScheduleD/Buildings/BookValue03406645
IRS990ScheduleD/Buildings/Depreciation02124255
IRS990ScheduleD/Buildings/InvestmentCostOrOtherBasis00
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis05530900
IRS990ScheduleD/Equipment/BookValue0715147
IRS990ScheduleD/Equipment/Depreciation0396749
IRS990ScheduleD/Equipment/InvestmentCostOrOtherBasis00
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis01111896
IRS990ScheduleD/Land/BookValue0491825
IRS990ScheduleD/Land/InvestmentCostOrOtherBasis00
IRS990ScheduleD/Land/OtherCostOrOtherBasis0491825
IRS990ScheduleD/LeaseholdImprovements/BookValue00
IRS990ScheduleD/LeaseholdImprovements/Depreciation00
IRS990ScheduleD/LeaseholdImprovements/InvestmentCostOrOtherBasis00
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis00
IRS990ScheduleD/OtherLandBuildings/BookValue00
IRS990ScheduleD/OtherLandBuildings/Depreciation00
IRS990ScheduleD/OtherLandBuildings/InvestmentCostOrOtherBasis00
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis00
IRS990ScheduleD/OtherLiabilities/Amount0223650075
IRS990ScheduleD/OtherLiabilities/Description0Member Shares
IRS990ScheduleD/OtherSecurities/BookValue023072000
IRS990ScheduleD/OtherSecurities/BookValue151042217
IRS990ScheduleD/OtherSecurities/BookValue2875901
IRS990ScheduleD/OtherSecurities/Description0CD Investments
IRS990ScheduleD/OtherSecurities/Description1AFS Investments
IRS990ScheduleD/OtherSecurities/Description2FHLB & Visa Stock
IRS990ScheduleD/OtherSecurities/MethodOfValuation0C
IRS990ScheduleD/OtherSecurities/MethodOfValuation1F
IRS990ScheduleD/OtherSecurities/MethodOfValuation2C
IRS990ScheduleD/TotalOfAmounts0223650075
IRS990ScheduleD/TotalOfBookValueLandBuildings04613617
IRS990ScheduleD/TotalOfBookValueSecurities074990118
IRS990ScheduleJ/BoardOrCommitteeApproval0X
IRS990ScheduleJ/CompensationSurvey0X
IRS990ScheduleJ/EquityBasedCompArrangement00
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0208252
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg06462
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg015787
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation0Companion travel is provided for the CEO.
IRS990ScheduleJ/Form990ScheduleJPartIII/Identifier0SchJ_P01_S00_L01a
IRS990ScheduleJ/Form990ScheduleJPartIII/ReturnReference0Schedule J, Part I, Line 1a
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0Bernard D Williams
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg030670
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg08687
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0269858
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990ScheduleJ/IndependentConsultant0X
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SubstantiationRequired01
IRS990ScheduleJ/SupplementalNonqualRetirePlan00
IRS990ScheduleJ/TravelForCompanions0X
IRS990ScheduleJ/WrittenPolicyReTAndEExpenses01
IRS990ScheduleL/LoanTable/ApprovedByBoard01
IRS990ScheduleL/LoanTable/BalanceDue014307
IRS990ScheduleL/LoanTable/Default00
IRS990ScheduleL/LoanTable/LoanFromOrganization0X
IRS990ScheduleL/LoanTable/NamePerson0Tammy OLeary Director of Lending
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount021173
IRS990ScheduleL/LoanTable/PurposeOfLoan0Auto
IRS990ScheduleL/LoanTable/WrittenAgreement01
IRS990ScheduleL/TotalBalanceDue014307
IRS990ScheduleO/GeneralExplanation/Explanation0Audited Financial Statements were completed as of March 31. The Credit Union's tax year ends December 31, therefore Schedule D, Parts XI, XII and XIII cannot be completed.
IRS990ScheduleO/GeneralExplanation/Explanation1The Credit Union has a single class of members with equal rights of ownership, governance and voting.
IRS990ScheduleO/GeneralExplanation/Explanation2The Board of Directors is elected by membership ballot vote. Each Board member is elected for a three year term.
IRS990ScheduleO/GeneralExplanation/Explanation3The Credit Union decisions that are subject to approval are mergers and change in charter.
IRS990ScheduleO/GeneralExplanation/Explanation4A review is conducted by the CEO and CFO prior to submission to the IRS to ensure completeness and accuracy. The accounting department maintains the 990 Tax Return and supporting documentation, The returns are made available to the Board of Directors for review.
IRS990ScheduleO/GeneralExplanation/Explanation5The policy is made available to all staff.
IRS990ScheduleO/GeneralExplanation/Explanation6The Credit Union adopted a market-value driven compensation strategy. They use market value and job content to set a market rate for each position. Managers can then use this input to make salary decisions. Overall application is approved by the Board of Directors. The last review was performed in 2011.
IRS990ScheduleO/GeneralExplanation/Explanation7Financial Statements are posted in the Credit Union lobby. Other documents and policies are available for review upon written request.
IRS990ScheduleO/GeneralExplanation/Explanation8Post Retirement Adjustment: $749,986
IRS990ScheduleO/GeneralExplanation/Identifier0F990_P04_S00_L12a
IRS990ScheduleO/GeneralExplanation/Identifier1F990_P06_S0A_L06
IRS990ScheduleO/GeneralExplanation/Identifier2F990_P06_S0A_L07a
IRS990ScheduleO/GeneralExplanation/Identifier3F990_P06_S0A_L07b
IRS990ScheduleO/GeneralExplanation/Identifier4F990_P06_S0B_L11b
IRS990ScheduleO/GeneralExplanation/Identifier5F990_P06_S0B_L12c
IRS990ScheduleO/GeneralExplanation/Identifier6F990_P06_S0B_L15
IRS990ScheduleO/GeneralExplanation/Identifier7F990_P06_S0C_L19
IRS990ScheduleO/GeneralExplanation/Identifier8F990_P11_S00_L05
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part IV, Line 12a
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/GeneralExplanation/ReturnReference7Form 990, Part VI, Section C, Line 19

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$263,240,306
Liabilities
$234,943,207
Net assets
$28,297,099
Revenue
-
Expenses
$13,144,485
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$390$336$54.2$19.2$15.9$3.32
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$339$289$49.6$18.6$16.3$2.37
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$326$280$45.6$17.8$14.7$3.09
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$319$275$43.9$16.9$14.4$2.43
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$326$284$41.9$16.6$13.8$2.84
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$307$267$39.9$15.7$12.8$2.97
2014Detailed filing. Detailed filing data is available for this year.$298$261$37.1$15.2$11.7$3.47
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$287$253$33.5$14.9$11.8$3.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$269$238$31.5$12.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$263$235$28.3$13.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$246$220$25.8$12.9