Civic Intelligence

Credit Unions Chartered in the State of Michigan 4 Front Credit Union

990 • Fiscal year 2019 • EIN 38-1524350

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 30, 2020

Organization Profilewww.4frontcu.com

View Organization Page

PO Box 795Traverse City, MI 49685

(231) 929-2000

Siviq Scores

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

Liabilities / Assets

43rd percentile

0.88x

Higher debt load relative to assets than 43% of similar nonprofits.

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

Liabilities / Revenue

13th percentile

12.62x

Higher debt load relative to revenue than 13% of similar nonprofits.

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

Net Margin

38th percentile

12%

Higher net margin than 38% of similar nonprofits.

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

Top Officer Pay

48th percentile

$412,144

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

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

Asset Growth

67th percentile

8.6%

Faster asset growth than 67% of similar nonprofits.

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

Revenue Growth

81st percentile

14%

Faster revenue growth than 81% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$560,363,272

Up $44,303,389 (+8.6%) from 2018

Net Assets

Up

$65,568,626

Up $6,351,896 (+11%) from 2018

Liabilities

Up

$494,794,646

Up $37,951,493 (+8.3%) from 2018

Revenue And Expenses
Liabilities / Revenue13th percentileNet Margin38th percentile

Revenue

Up

$39,221,324

Up $4,922,980 (+14%) from 2018

Expenses

Up

$34,435,623

Up $5,994,352 (+21%) from 2018

Net Income

Down

$4,785,701

Down $1,071,372 (-18%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth67th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $185,622,015Liabilities 2010: $167,951,128Net Assets 2010: $17,670,8872010Assets 2011: $196,644,636Liabilities 2011: $177,793,583Net Assets 2011: $18,851,0532011Assets 2012: $210,458,876Liabilities 2012: $190,311,653Net Assets 2012: $20,147,2232012Assets 2013: $218,300,807Liabilities 2013: $197,583,494Net Assets 2013: $20,717,3132013Assets 2014: $228,412,401Liabilities 2014: $205,351,989Net Assets 2014: $23,060,4122014Assets 2015: $426,862,483Liabilities 2015: $380,489,183Net Assets 2015: $46,373,3002015Assets 2016: $458,969,484Liabilities 2016: $408,738,972Net Assets 2016: $50,230,5122016Assets 2017: $488,650,887Liabilities 2017: $434,541,083Net Assets 2017: $54,109,8042017Assets 2018: $516,059,883Liabilities 2018: $456,843,153Net Assets 2018: $59,216,7302018Assets 2019: $560,363,272Liabilities 2019: $494,794,646Net Assets 2019: $65,568,6262019Assets 2020: $742,406,934Liabilities 2020: $669,025,695Net Assets 2020: $73,381,2392020Assets 2021: $896,646,295Liabilities 2021: $816,500,069Net Assets 2021: $80,146,2262021Assets 2022: $1,009,844,526Liabilities 2022: $933,681,311Net Assets 2022: $76,163,2152022Assets 2023: $1,086,820,765Liabilities 2023: $1,004,190,107Net Assets 2023: $82,630,6582023Assets 2024: $1,028,814,833Liabilities 2024: $943,339,336Net Assets 2024: $85,475,4972024

Highlighted filing

2019

Assets$560,363,272
Liabilities$494,794,646
Net Assets$65,568,626
Open 2019 Filing

Operations Trend

Revenue Growth81st percentile

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

$80M$60M$40M$20M$0-$20MExpenses 2010: $12,014,0912010Expenses 2011: $11,540,2002011Expenses 2012: $10,777,9912012Revenue 2013: $11,103,410Expenses 2013: $9,742,358Net Income 2013: $1,361,0522013Revenue 2014: $12,068,256Expenses 2014: $10,729,566Net Income 2014: $1,338,6902014Revenue 2015: $22,492,717Expenses 2015: $21,023,834Net Income 2015: $1,468,8832015Revenue 2016: $25,240,982Expenses 2016: $21,208,895Net Income 2016: $4,032,0872016Revenue 2017: $28,236,946Expenses 2017: $24,268,196Net Income 2017: $3,968,7502017Revenue 2018: $34,298,344Expenses 2018: $28,441,271Net Income 2018: $5,857,0732018Revenue 2019: $39,221,324Expenses 2019: $34,435,623Net Income 2019: $4,785,7012019Revenue 2020: $43,206,858Expenses 2020: $36,701,631Net Income 2020: $6,505,2272020Revenue 2021: $51,854,069Expenses 2021: $42,435,257Net Income 2021: $9,418,8122021Revenue 2022: $56,680,662Expenses 2022: $45,227,865Net Income 2022: $11,452,7972022Revenue 2023: $72,347,605Expenses 2023: $68,221,104Net Income 2023: $4,126,5012023Revenue 2024: $76,251,267Expenses 2024: $76,831,381Net Income 2024: -$580,1142024

Highlighted filing

2019

Revenue$39,221,324
Expenses$34,435,623
Net Income$4,785,701
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 30, 2020
Return Version
2019v5.0
Gross Receipts
$65,210,519
Mission and Program Overview

Mission

To provide financial services to members with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$411,210,805$431,828,562▲ $20,617,757
Rtn Earn Endowment Incm Other Fnds$59,216,730$65,568,626▲ $6,351,896
Investments in Publicly Traded Securities$47,868,861$51,070,325▲ $3,201,464
Land, Buildings, and Equipment, Net$19,209,232$23,971,194▲ $4,761,962
Savings and Temporary Cash Investments$1,803,236$10,124,388▲ $8,321,152
Investments Other Securities$3,356,448$7,424,453▲ $4,068,005
Cash and Non-Interest-Bearing Accounts$7,712,146$6,567,529▼ $1,144,617
Receivables From Officers Etc$5,915,117$6,052,939▲ $137,822
Accounts Receivable$1,540,239$4,636,206▲ $3,095,967
Intangible Assets$2,003,784$1,669,820▼ $333,964
Prepaid Expenses and Deferred Charges$701,472$984,051▲ $282,579
Pledges and Grants Receivable$0--
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0--
Cap Stk Tr Prin Current Funds$0--
Inventories for Sale or Use$0--
Loans From Officers Directors$0$0→ $0
Total Assets$516,059,883$560,363,272▲ $44,303,389
Other Assets Total$14,738,543$16,033,805▲ $1,295,262
Liabilities
Other Liabilities$428,343,500$483,992,110▲ $55,648,610
Accounts Payable and Accrued Expenses$6,402,653$5,802,536▼ $600,117
Mortgage Notes Payable Secured by Investment Property$22,097,000$5,000,000▼ $17,097,000
Grants Payable$0--
Unsecured Notes Loans Payable$0--
Deferred Revenue$0--
Escrow Account Liability$0--
Tax Exempt Bond Liabilities$0--
Total Liabilities$456,843,153$494,794,646▲ $37,951,493
Net Assets / Fund Balance
Net Assets With Donor Restrictions$0--
Net Assets Without Donor Restrictions$0--
Total Net Assets Fund Balance$59,216,730$65,568,626▲ $6,351,896
Total Liabilities and Net Assets / Fund Balance$516,059,883$560,363,272▲ $44,303,389

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,239,979$521,272$10,761,251
Leasehold Improvements$4,566,290$1,612,596$6,178,886
Equipment$4,729,074$9,060$4,738,134
Land$4,411,048-$4,411,048
Other Land Buildings$24,803$1,307$26,110
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
-CEOFT$318,749$93,395$412,144
-PresidentFT$263,046$76,302$339,348
-VP Commercial LendingFT$84,222$167,888$252,110
-Mortgage ConsultantFT$37,488$152,274$189,762
-VP LendingFT$127,159$35,816$162,975
-Senior Vice President OperationsFT$110,868$30,902$141,770
-VP Human ResourcesFT$115,807$8,284$124,091

Board Members and Trustees

NameTitle
-Chairman
-Vice Chair
-Director
-Secretary
-Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Pine Street Development One LLCAdmin Center Construction11123 Bugai Rd, Traverse City, MI 49684$2,181,402
Integrated ArchitectureDesign, Professional Services4090 Lake Drive SE, Grand Rapids, MI 49546$759,006
Q2 SoftwareOnline BankingPO BOX 205970, Dallas, TX 75320-5970$747,489
Informa Business Systems INCITMS, Service Agreements, Receipt Paper, Safe5170 Hartshorn Drive, Flushing, MI 48433$394,282
Doxim INCMember Statement/Notice generation and mailing747 E Whitcomb Avenue, Madison Heights, MI 48071$385,472
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$37,134,282
Investment Income
$2,100,023
Other Revenue
$-12,981
Change in Net Assets
$4,785,701
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$20,944,280
Salaries, Compensation, and Employee Benefits$13,476,139
Grants and Similar Amounts Paid$15,204
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,087,636
Office Expenses---$3,296,549
Interest---$2,959,044
Depreciation Depletion---$2,144,235
Other Employee Benefits---$1,535,731
Other Expenses---$1,074,881
Occupancy---$889,668
Advertising---$876,582
Payroll Taxes---$798,143
Current Officers, Directors, Trustees, and Key Employees$0$0$0$751,492
All Other Expenses$0$0$0$670,521
Fees for Services Other$0$0$0$614,596
Pension Plan Contributions---$303,137
Information Technology---$221,973
Insurance---$153,475
Conferences and Meetings---$61,931
Payments to Affiliates---$41,249
Travel---$37,931
Fees for Services Accounting---$37,450
Grants to Domestic Orgs---$15,204
Total Functional Expenses$0$0$0$34,435,623
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$5,915,117$6,052,939▲ $137,822
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$150,051,017
Checking$129,293,090
Money Market Shares$99,380,734
Share Certificates$65,459,323
Ira Accounts$26,117,731
All Other Shares$13,690,215
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6 Classes of members or stockholders

“The credit union has a single class of members with equal rights of ownership, governance, and voting.”

Form 990, Part VI, Line 7A Members or stockholders electing members of governing body

“Members vote and elect board members at the annual meeting.”

Form 990, Part VI, Line 7B Decisions requiring approval by members or stockholders

“Members of the Credit Union have the right to approve governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the Credit Union as they occur.”

Form 990, Part VI, Line 11B Review of form 990 by governing body

“Management reviews the tax returns prior to filing with the IRS.”

Form 990, Part VI, Line 12C Conflict of interest policy

“The organization's officer, directors, trustees, and key employees are required to disclose actual or potential conflicts they may have with the organization. If a conflict arises, the respective board member will abstain from any related discussion, vote, or similar action on the matter. Management reserves the right to determine when an employee's activities represent a conflict of interest and to take whatever action is appropriate to resolve the situation.”

Form 990, Part VI, Line 15A Process to establish compensation of top management official

“The CEO receives a performance appraisal from the entire board and then the compensation committee makes a recommendation to the board for compensation based on the results of the appraisal. Wage ranges are set based on compensable factors using Compease (a company that looks at national, regional, state and area compensation surveys). This process takes place annually, and is documented in Compensation Committee minutes. Results are reported to the board, but the details are in the Compensation Committee minutes.”

Form 990, Part VI, Line 15B Process to establish compensation of other employees

“The President receives a performance appraisal from the entire board and then the compensation committee makes a recommendation to the board for compensation based on the results of the appraisal. Wage ranges are set based on compensable factors using Compease (a company that looks at national, regional, state and area compensation surveys). For other officers and key employees- performance appraisals are conducted by either the President or the CEO with compensation levels also set using Compease. This process takes place annually, and is documented in Compensation Committee minutes. Results are reported to the board, but the details are in the Compensation Committee minutes.”

Form 990, Part VI, Line 19 Required documents available to the public

“Monthly financials and other governing documents are available for review upon request at the Credit Union's main offices at 101 N. Park St., Traverse City, MI.”

Form 990, Part VI, Section B, Line 12A Conflict of Interest Policy

“For employees - the Conflict of Interest language is included in Employee Handbook which each new employee must read and sign acknowledge that they understand they must comply. The Board of Directors sign a conflict of interest policy when they first become a board member. The policy states that they must report any conflicts of interest.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State of Michigan 4 Front Credit Union
EIN
38-1524350
Phone
2319292000
Address
PO Box 795, Traverse City, MI 49685
Doing Business As
4 Front Credit Union

Signing Officer

Name
Andrew Kempf
Title
President
Signed
2020-10-30
Discuss with paid preparer
Yes

Organization Details

Formed
1954
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
255
Volunteers
9

Preparer

Firm
Crowe Llp
Address
9600 Brownsboro Road Suite 400, Louisville, KY 40241-1122
Preparer
Kim Scifres
Phone
5023263996
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C Committee for oversight of audit

“The credit union's financial statement audit is performed by independent accountants for the twelve-months ended March 31. There are no revenue/expense items that are included in the audited financial that would not be reported in Form 990. 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

Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote

“THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL TAXES ON INCOME RELATED TO THE EXEMPT PURPOSE OF THE CREDIT UNION. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE ("IRC") SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AN ISSUE FOR MANY YEARS. THE INTERNAL REVENUE SERVICE ("IRS") ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL CONDITION OR RESULTS OF OPERATIONS. THE CREDIT UNION'S INCOME TAX FILINGS ARE SUBJECT TO AUDIT BY VARIOUS TAXING AUTHORITIES AND OPEN TAX PERIODS INCLUDE 2016 and beyond.”

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IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt0Bryan Lindfors
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt1Charles Hague
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt2Michael Slater
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt3Todd Rohrback
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt4Brian Ausdemore
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt5Julie Kosloskey
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt6Larry Fay
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt7Peggy Harold
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt8Walt Coyle
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt9Andy Kempf
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt10David Leusink
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt11Darrin R Van Loo
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt12Geoffrey Streit
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt13Heather Carey
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt14Jason Acosta
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt15Shelley DeYoung
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt1Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt3Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9President
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11Mortgage Consultant
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt14Senior Vice President Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP Human Resources
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IRS990/GainOrLossGrp/SecuritiesAmt0450575
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IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
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IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt026275563
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IRS990/IncludeFIN48FootnoteInd0true
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IRS990/InsuranceGrp/TotalAmt0153475
IRS990/IntangibleAssetsGrp/BOYAmt02003784
IRS990/IntangibleAssetsGrp/EOYAmt01669820
IRS990/InterestGrp/TotalAmt02959044
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt01665288
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01665288
IRS990/InvestmentInJointVentureInd0false
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt07424453
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt051070325
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt023971194
IRS990/LandBldgEquipCostOrOtherBssAmt026115429
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0164207
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt025824988
IRS990/LoanOutstandingInd0true
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
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IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt00
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0To provide financial services to members with a common bond.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt022097000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt05000000
IRS990/NetAssetsOrFundBalancesBOYAmt059216730
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IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0434735
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IRS990/NetUnrlzdGainsLossesInvstAmt01566195
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IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0889668
IRS990/OfficeExpensesGrp/TotalAmt03296549
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt014738543
IRS990/OtherAssetsTotalGrp/EOYAmt016033805
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01535731
IRS990/OtherExpensesGrp/Desc0debit/credit expenses
IRS990/OtherExpensesGrp/Desc1loan servicing
IRS990/OtherExpensesGrp/Desc2provision for loan loss
IRS990/OtherExpensesGrp/Desc3maintenance
IRS990/OtherExpensesGrp/TotalAmt03113519
IRS990/OtherExpensesGrp/TotalAmt12766362
IRS990/OtherExpensesGrp/TotalAmt21984314
IRS990/OtherExpensesGrp/TotalAmt31074881
IRS990/OtherLiabilitiesGrp/BOYAmt0428343500
IRS990/OtherLiabilitiesGrp/EOYAmt0483992110
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1524298
IRS990/OtherRevenueMiscGrp/Desc0Other
IRS990/OtherRevenueMiscGrp/Desc1Insurance Reimbursement
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt06517
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1-19498
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt06517
IRS990/OtherRevenueTotalAmt0-12981
IRS990/OtherSalariesAndWagesGrp/TotalAmt010087636
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IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0701472
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0984051
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Andrew Kempf
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0interest on loans
IRS990/ProgramServiceRevenueGrp/Desc1Fees & Charges
IRS990/ProgramServiceRevenueGrp/Desc2Other Program Service Revenue
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15612168
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt25555674
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0148322
IRS990/ProgSrvcAccomActy2Grp/Desc0The credit union provides a variety of loans to members including real estate, credit card, vehicle and others. The total number of loans outstanding at 12/31/19 was 47,679.
IRS990/ProhibitedTaxShelterTransInd0false
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IRS990/PYOtherRevenueAmt055814
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IRS990/PYSalariesCompEmpBnftPaidAmt010842759
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IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt034298344
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IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
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IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt06052939
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IRS990/RelatedEntityInd0false
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IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt065568626
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01803236
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010124388

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$560,363,272
Liabilities
$494,794,646
Net assets
$65,568,626
Revenue
$39,221,324
Expenses
$34,435,623
Net income
$4,785,701
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,029$943$85.5$76.3$76.8$0.58
2023Detailed filing. Detailed filing data is available for this year.$1,087$1,004$82.6$72.3$68.2$4.13
2022Detailed filing. Detailed filing data is available for this year.$1,010$934$76.2$56.7$45.2$11.5
2021Detailed filing. Detailed filing data is available for this year.$897$817$80.1$51.9$42.4$9.42
2020Detailed filing. Detailed filing data is available for this year.$742$669$73.4$43.2$36.7$6.51
2019Detailed filing. Detailed filing data is available for this year.$560$495$65.6$39.2$34.4$4.79
2018Detailed filing. Detailed filing data is available for this year.$516$457$59.2$34.3$28.4$5.86
2017Detailed filing. Detailed filing data is available for this year.$489$435$54.1$28.2$24.3$3.97
2016Detailed filing. Detailed filing data is available for this year.$459$409$50.2$25.2$21.2$4.03
2015Detailed filing. Detailed filing data is available for this year.$427$380$46.4$22.5$21.0$1.47
2014Detailed filing. Detailed filing data is available for this year.$228$205$23.1$12.1$10.7$1.34
2013Detailed filing. Detailed filing data is available for this year.$218$198$20.7$11.1$9.74$1.36
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$210$190$20.1$10.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$197$178$18.9$11.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$186$168$17.7$12.0