Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2019 • EIN 38-1515480

Jan 01, 2019 to Dec 31, 2019 • Filed on Jul 16, 2020

Organization ProfileWWW.WANIGAS.COM

View Organization Page

1837 Bagley StSaginaw, MI 48601

(989) 799-9800

Siviq Scores

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

Liabilities / Assets

17th percentile

0.85x

Higher debt load relative to assets than 17% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

41st percentile

15.54x

Higher debt load relative to revenue than 41% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

42nd percentile

13%

Higher net margin than 42% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

35th percentile

$367,439

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

29th percentile

4.1%

Faster asset growth than 29% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

18th percentile

4.7%

Faster revenue growth than 18% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$338,938,733

Up $13,311,150 (+4.1%) from 2018

Net Assets

Up

$49,641,967

Up $4,018,828 (+8.8%) from 2018

Liabilities

Up

$289,296,766

Up $9,292,322 (+3.3%) from 2018

Revenue And Expenses
Liabilities / Revenue41st percentileNet Margin42nd percentile

Revenue

Up

$18,618,496

Up $828,577 (+4.7%) from 2018

Expenses

Up

$16,251,625

Up $1,554,707 (+11%) from 2018

Net Income

Down

$2,366,871

Down $726,130 (-23%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth29th 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

2019

Assets$338,938,733
Liabilities$289,296,766
Net Assets$49,641,967
Open 2019 Filing

Operations Trend

Revenue Growth18th percentile

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

2019

Revenue$18,618,496
Expenses$16,251,625
Net Income$2,366,871
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jul 16, 2020
Return Version
2019v5.1
Gross Receipts
$18,618,496
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.

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$211,628,665$216,717,835▲ $5,089,170
Investments Other Securities$81,973,293$89,868,909▲ $7,895,616
Rtn Earn Endowment Incm Other Fnds$45,623,139$49,641,967▲ $4,018,828
Cash and Non-Interest-Bearing Accounts$8,292,846$8,182,761▼ $110,085
Land, Buildings, and Equipment, Net$5,301,846$5,496,250▲ $194,404
Savings and Temporary Cash Investments$4,365,606$5,022,711▲ $657,105
Receivables From Officers Etc$1,321,028$1,356,700▲ $35,672
Accounts Receivable$1,569,110$602,528▼ $966,582
Prepaid Expenses and Deferred Charges$335,268$423,907▲ $88,639
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$325,627,583$338,938,733▲ $13,311,150
Other Assets Total$10,839,921$11,267,132▲ $427,211
Liabilities
Other Liabilities$272,024,574$284,869,968▲ $12,845,394
Accounts Payable and Accrued Expenses$5,340,450$4,426,798▼ $913,652
Mortgage Notes Payable Secured by Investment Property$2,639,420--
Total Liabilities$280,004,444$289,296,766▲ $9,292,322
Net Assets / Fund Balance
Total Net Assets Fund Balance$45,623,139$49,641,967▲ $4,018,828
Total Liabilities and Net Assets / Fund Balance$325,627,583$338,938,733▲ $13,311,150

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,646,420$3,138,661$7,785,081
Equipment$458,005$613,627$1,071,632
Land$391,825-$391,825
Other Securities$600,000--
Compensation and Service Providers
Top Officer Pay35th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bernard D WilliamsCEOFT$242,539$124,900$367,439
TAMMY A O'LEARYDirector of LendingFT$121,123$55,602$176,725
Lisa ShoemakerMortgage Operations ManageFT$111,868$57,730$169,598
Jay Julius Peitsch SrCFOFT$102,981$54,459$157,440
Jeanine MilneInformation Systems ManageFT$115,819$24,901$140,720

Board Members and Trustees

NameTitle
Gerald LittleChairperson
Michael BallsVice Chairperson
Gus AlexanderDirector
Jalynn HopkinsDirector
Lisa WilsonDirector
Mike MalmoDirector
Valorie GreenSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
It Group LLCData Processing Services7415 CHICAGO RD, Warren, MI 48092$796,430
Real Estate Appraisal Solutions LLCReal Estate Appraisal3150 LIVERNOIS RD, Troy, MI 48083$138,267
Yeo & Yeo Consulting LLCIt Services5300 BAY RD STE 200, Saginaw, MI 48605$135,115
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$16,327,619
Investment Income
$2,290,877
Other Revenue
$0
Change in Net Assets
$2,366,871

Audited Revenue Reconciliation

Revenue per Audited Statements
$18,618,496
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$18,618,496
Total Revenue per Form 990
$18,618,496
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,521,156
Salaries, Compensation, and Employee Benefits$6,730,469
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,564,593
Office Expenses---$1,959,028
Interest---$1,845,689
Other Employee Benefits---$904,677
Information Technology---$819,346
Advertising---$593,264
Current Officers, Directors, Trustees, and Key Employees---$524,879
Depreciation Depletion---$513,765
Occupancy---$497,898
Fees for Services Other---$431,061
Payroll Taxes---$401,915
Pension Plan Contributions---$334,405
Conferences and Meetings---$267,059
Other Expenses---$160,159
Insurance---$95,362
All Other Expenses---$94,378
Travel---$27,809
Total Functional Expenses$0$0$0$16,251,625

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$16,251,625
Total Expenses per Audited Statements$16,251,625
Total Expenses per Form 990$16,251,625
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
-Son of Supervisory MemberSponsorship of Summer Music ConcertNo$15,000
-Spouse of Mortgage ManagerEmbroidering of ShirtsNo$42

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,321,028$1,356,700▲ $35,672
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$284,869,968
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
Yes
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 2

“The organization paid $15,000 to sponsor the summer music concert, an event in which the son of one of the organizations' supervisory committee members participates. Eastedge graphics, spouse of mortgage manager, embroidered t-shirts for the credit union for $42.”

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

“The board of directors is elected by membership ballot vote. Each board member is elected for a three year term.”

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

“Credit union decisions that are subject to membership approval are mergers and change in charter.”

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

“A review is conducted by the ceo and cfo prior to submission to the irs to ensure completeness and accuracy. This information is reviewed by the board of directors prior to submission. The accounting department maintains the 990 tax return and supporting documentation.”

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

“The policy is made available to all staff.”

Form 990, Part VI, Section B, Line 15

“The credit union adopted a market-value driven compensation strategy. In simple terms, wanigas credit union uses 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 2019.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union lobby. Other documents and policies are available for review upon written request.”

Filing and Contact Details

Filer

Filer Name
Wanigas Credit Union
EIN
38-1515480
Phone
9897999800
Address
1837 BAGLEY ST, SAGINAW, MI 48601

Signing Officer

Name
Bernard D Williams
Title
Chief Executive Officer
Phone
9897999800
Signed
2020-07-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bernard D Williams
Formed
1952
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
6
Employees
96
Volunteers
11

Preparer

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

Additional Explanations

Form 990, Part IX, Line 11G

“Other professional services 431,061.”

Form 990, Part IX, Line 24E

“Examination fee/association dues 94,378.”

FORM 990, PART XI, LINE 9:

“Post-retirement oci 153,108. -”

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 from federal and state income taxes, but still may be subject to unrelated business income tax (ubit). Unrelated business income is income from a trade or business regularly carried on by a tax exempt organization that is not substantially related to the organization's exempt purposes.”

Raw XML AppendixShowing 400 of 562 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990/GrantsToOrganizationsInd00
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IRS990/IncludeFIN48FootnoteInd01
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IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A 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.
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IRS990/MoreThan5000KToOrgInd00
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IRS990/OfficeExpensesGrp/TotalAmt01959028
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt010839921
IRS990/OtherAssetsTotalGrp/EOYAmt011267132
IRS990/OtherChangesInNetAssetsAmt0153108
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0904677
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS OPERATING
IRS990/OtherExpensesGrp/Desc3FRAUD LOSSES
IRS990/OtherExpensesGrp/TotalAmt01072568
IRS990/OtherExpensesGrp/TotalAmt1866665
IRS990/OtherExpensesGrp/TotalAmt2277105
IRS990/OtherExpensesGrp/TotalAmt3160159
IRS990/OtherLiabilitiesGrp/BOYAmt0272024574
IRS990/OtherLiabilitiesGrp/EOYAmt0284869968
IRS990/OtherOrganizationDsc0CREDIT UNION
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0211628665
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0216717835
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0401915
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0334405
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0335268
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0423907
IRS990/PrincipalOfficerNm0BERNARD D WILLIAMS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/BusinessCd4517000
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATM FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3UNRELATED INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc4UNRELATED SPRINT INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt011115446
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt15155070
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011115446
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15155070
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt237614
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt319328
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4161
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt037614
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt119328
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt2161
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 24,959 LOANS INCLUDING VEHICLE, SIGNATURE, RECREATIONAL VEHICLE, STUDENT, MORTGAGE, HOME EQUITY, OVERDRAFT PRIVILEGE, OVERDRAFT PROTECTION, AND CREDIT CARD LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER AUTOMATED TELLER MACHINES, SAFE DEPOSIT BOXES, WIRE TRANSFERS, MONEY ORDERS, DEBIT CARDS, AND VARIOUS INSURANCE PROGRAMS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01786830
IRS990/PYOtherExpensesAmt08083870
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt016003089
IRS990/PYRevenuesLessExpensesAmt03093001
IRS990/PYSalariesCompEmpBnftPaidAmt06613048
IRS990/PYTotalExpensesAmt014696918
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt017789919
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01321028
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01356700
IRS990/ReconcilationRevenueExpnssAmt02366871
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt045623139
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt049641967
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04365606
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05022711
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04646420
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03138661
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07785081
IRS990ScheduleD/EquipmentGrp/BookValueAmt0458005
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0613627
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01071632
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt016251625
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0391825
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0391825
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0284869968
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt05952000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt182302208
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21014700
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt31
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt4600000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1AVAILABLE FOR SALE INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc3VISA STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc4ALLOYA CORPORATE PERPETUAL CONTRIBUTED CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt018618496
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL AND STATE INCOME TAXES, BUT STILL MAY BE SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). UNRELATED BUSINESS INCOME IS INCOME FROM A TRADE OR BUSINESS REGULARLY CARRIED ON BY A TAX EXEMPT ORGANIZATION THAT IS NOT SUBSTANTIALLY RELATED TO THE ORGANIZATION'S EXEMPT PURPOSES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05496250
IRS990ScheduleD/TotalBookValueSecuritiesAmt089868909
IRS990ScheduleD/TotalExpensesPerForm990Amt016251625
IRS990ScheduleD/TotalLiabilityAmt0284869968
IRS990ScheduleD/TotalRevenuePerForm990Amt018618496
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt018618496
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt016251625
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0242539
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1102981
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2121123
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3111868
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount076792
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount120672
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount225970
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount322930
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt019600
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt19383
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt210949
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt39915
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt017520
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt120237
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt23720
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt320680
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$338,938,733
Liabilities
$289,296,766
Net assets
$49,641,967
Revenue
$18,618,496
Expenses
$16,251,625
Net income
$2,366,871
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
2019Detailed filing. Detailed filing data is available for this year.$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