Civic Intelligence

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

990 • Fiscal year 2020 • EIN 38-1524350

Jan 01, 2020 to Dec 31, 2020 • Filed on Aug 31, 2021

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

55th percentile

0.90x

Higher debt load relative to assets than 55% of similar nonprofits.

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

Liabilities / Revenue

16th percentile

15.48x

Higher debt load relative to revenue than 16% of similar nonprofits.

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

Net Margin

72nd percentile

15%

Higher net margin than 72% of similar nonprofits.

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

Top Officer Pay

57th percentile

$447,140

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 1.0% of source-year revenue.

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

Asset Growth

97th percentile

32%

Faster asset growth than 97% of similar nonprofits.

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

Revenue Growth

87th percentile

10%

Faster revenue growth than 87% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$742,406,934

Up $182,043,662 (+32%) from 2019

Net Assets

Up

$73,381,239

Up $7,812,613 (+12%) from 2019

Liabilities

Up

$669,025,695

Up $174,231,049 (+35%) from 2019

Revenue And Expenses
Liabilities / Revenue16th percentileNet Margin72nd percentile

Revenue

Up

$43,206,858

Up $3,985,534 (+10%) from 2019

Expenses

Up

$36,701,631

Up $2,266,008 (+6.6%) from 2019

Net Income

Up

$6,505,227

Up $1,719,526 (+36%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth97th 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

2020

Assets$742,406,934
Liabilities$669,025,695
Net Assets$73,381,239
Open 2020 Filing

Operations Trend

Revenue Growth87th 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

2020

Revenue$43,206,858
Expenses$36,701,631
Net Income$6,505,227
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Aug 31, 2021
Return Version
2020v4.1
Gross Receipts
$43,252,193
Mission and Program Overview

Mission

To provide financial services to members with a common bond

To provide financial services to members with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$431,828,562$513,826,472▲ $81,997,910
Investments in Publicly Traded Securities$51,070,325$108,270,343▲ $57,200,018
Rtn Earn Endowment Incm Other Fnds$65,568,626$73,381,239▲ $7,812,613
Land, Buildings, and Equipment, Net$23,971,194$35,440,269▲ $11,469,075
Savings and Temporary Cash Investments$10,124,388$28,098,227▲ $17,973,839
Cash and Non-Interest-Bearing Accounts$6,567,529$15,631,712▲ $9,064,183
Investments Other Securities$7,424,453$9,838,937▲ $2,414,484
Receivables From Officers Etc$6,052,939$6,194,364▲ $141,425
Accounts Receivable$4,636,206$2,320,295▼ $2,315,911
Intangible Assets$1,669,820$1,335,856▼ $333,964
Prepaid Expenses and Deferred Charges$984,051$856,400▼ $127,651
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$560,363,272$742,406,934▲ $182,043,662
Other Assets Total$16,033,805$20,594,059▲ $4,560,254
Liabilities
Other Liabilities$483,992,110$662,546,433▲ $178,554,323
Accounts Payable and Accrued Expenses$5,802,536$6,479,262▲ $676,726
Mortgage Notes Payable Secured by Investment Property$5,000,000--
Total Liabilities$494,794,646$669,025,695▲ $174,231,049
Net Assets / Fund Balance
Total Net Assets Fund Balance$65,568,626$73,381,239▲ $7,812,613
Total Liabilities and Net Assets / Fund Balance$560,363,272$742,406,934▲ $182,043,662

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$16,509,217$9,786$16,519,003
Buildings$9,998,075$574,358$10,572,433
Equipment$4,406,147$1,394,988$5,801,135
Land$4,507,449-$4,507,449
Leasehold Improvements$19,381$5,422$24,803
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Andrew KempfCEOFT$336,265$110,875$447,140
Brent SimonsMortgage Loan OriginatorFT$35,002$206,848$241,850
Darrin Van LooMortgage ConsultantFT$37,784$179,027$216,811
Heather CareySVP LendingFT$138,599$23,040$161,639
Karl PagelSVP FinanceFT$142,978$17,949$160,927
Geoff StreitVP Commercial LendingFT$85,297$65,843$151,140

Board Members and Trustees

NameTitle
Todd RohrbackChairman of the Board
Bryan LindforsVice Chairman
Brian AusdemoreDirector
Julie KosloskeyDirector
Michael Skyler FortDirector
Mike SlaterDirector
Peggy HaroldDirector
Charles HagueSecretary
John Jack HodgeTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Pine Street Development One LLCAdmin Center Construction11123 BUGAI RD, Traverse City, MI 49684$10,822,041
Q2 SoftwareOnline BankingPO BOX 205970, Dallas, TX 75320-5970$856,798
Jack Henry And AssociatesEmployee/member ServicesPO BOX 609, Monett, MO 65708$511,755
Interphase InteriorsFurniture For New Admin Building35 OAKES ST SW 5TH FLOOR, Grand Rapids, MI 49503$458,046
Informa Business Systems INCItms, Service Agreements, Receipt Paper5170 HARTSHORN DRIVE, Flushing, MI 48433$430,082
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$41,860,466
Investment Income
$1,346,392
Other Revenue
$0
Change in Net Assets
$6,505,227
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$20,332,623
Salaries, Compensation, and Employee Benefits$13,030,479
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons---$10,007,295
Office Expenses---$8,173,876
Benefits to Members---$3,338,529
Depreciation Depletion---$1,984,555
Occupancy---$1,333,637
Other Employee Benefits---$1,056,522
Advertising---$886,795
Pension Plan Contributions---$790,575
Payroll Taxes---$728,947
Fees for Services Other---$643,228
Current Officers, Directors, Trustees, and Key Employees---$447,140
Other Expenses---$203,612
Conferences and Meetings---$125,998
All Other Expenses---$116,400
Interest---$65,828
Travel---$46,182
Fees for Services Accounting---$29,500
Total Functional Expenses$0$0$0$36,701,631
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$6,052,939$6,194,364▲ $141,425
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Drafts$218,604,935
Regular Shares$218,232,052
Money Market Shares$122,564,497
Share Certificates$57,501,166
Ira Certificates$25,081,189
All Other Shares$20,562,594
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, 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 vote and elect board members at annual meeting.”

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

“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, Section B, Line 11B

“Management reviews the tax return prior to filing with the irs.”

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

“The organization's officer, directors, trustees, and key employees are required to disclose actual or potential conflict's 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, Section B, Line 15

“Part vi, line 15a: 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. In addition to compease, coparability data was provided to the compensation committeee/board from gallagher executive compensation analysis. Part vi, line 15b the board receives a salary and wage budget for review/approval, the data is not employee specific.”

Form 990, Part VI, Section C, Line 19

“Monthly financials and other governing documents are available for review upon request at the credit unions main offices at 101 n. Park st., traverse city, mi”

Filing and Contact Details

Filer

Filer Name
4front Credit Union
EIN
38-1524350
Phone
2319292000
Address
PO BOX 795, TRAVERSE CITY, MI 49685

Signing Officer

Name
Andrew Kempf
Title
CEO
Phone
2319292000
Signed
2021-08-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Andrew Kempf
Formed
1954
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
254
Volunteers
9

Preparer

Firm
Cliftonlarsonallen Llp
Address
109 N MAIN STREET SUITE 200, AUSTIN, MN 55912
Preparer
Tanya Medgaarden
Phone
5074347000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“ROUNDING -1.”

Financial Statement Notes

PART X, LINE 2:

“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.”

Raw XML AppendixShowing 400 of 616 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/OtherCompensationAmt1316164
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1415335
IRS990/Form990PartVIISectionAGrp/PersonNm0TODD ROHRBACK
IRS990/Form990PartVIISectionAGrp/PersonNm1BRYAN LINDFORS
IRS990/Form990PartVIISectionAGrp/PersonNm2CHARLES HAGUE
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN JACK HODGE
IRS990/Form990PartVIISectionAGrp/PersonNm4PEGGY HAROLD
IRS990/Form990PartVIISectionAGrp/PersonNm5JULIE KOSLOSKEY
IRS990/Form990PartVIISectionAGrp/PersonNm6BRIAN AUSDEMORE
IRS990/Form990PartVIISectionAGrp/PersonNm7MIKE SLATER
IRS990/Form990PartVIISectionAGrp/PersonNm8MICHAEL SKYLER FORT
IRS990/Form990PartVIISectionAGrp/PersonNm9ANDREW KEMPF
IRS990/Form990PartVIISectionAGrp/PersonNm10BRENT SIMONS
IRS990/Form990PartVIISectionAGrp/PersonNm11DARRIN VAN LOO
IRS990/Form990PartVIISectionAGrp/PersonNm12KARL PAGEL
IRS990/Form990PartVIISectionAGrp/PersonNm13HEATHER CAREY
IRS990/Form990PartVIISectionAGrp/PersonNm14GEOFF STREIT
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9370411
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10207963
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11196095
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12149797
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13145475
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14135805
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
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
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10MORTGAGE LOAN ORIGINATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11MORTGAGE CONSULTANT
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP COMMERCIAL LENDING
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-45335
IRS990/GainOrLossGrp/SecuritiesAmt018420
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt018420
IRS990/GrossReceiptsAmt043252193
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt012
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/IntangibleAssetsGrp/BOYAmt01669820
IRS990/IntangibleAssetsGrp/EOYAmt01335856
IRS990/InterestGrp/TotalAmt065828
IRS990/InvestmentIncomeGrp/ExclusionAmt01373307
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01373307
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt07424453
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt09838937
IRS990/InvestmentsPubTradedSecGrp/BOYAmt051070325
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0108270343
IRS990/IRPDocumentCnt016895
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01984554
IRS990/LandBldgEquipBasisNetGrp/BOYAmt023971194
IRS990/LandBldgEquipBasisNetGrp/EOYAmt035440269
IRS990/LandBldgEquipCostOrOtherBssAmt037424823
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt045335
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE FINANCIAL SERVICES TO MEMBERS WITH A COMMON BOND.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt05000000
IRS990/NetAssetsOrFundBalancesBOYAmt065568626
IRS990/NetAssetsOrFundBalancesEOYAmt073381239
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-26915
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-26915
IRS990/NetUnrelatedBusTxblIncmAmt051272
IRS990/NetUnrlzdGainsLossesInvstAmt01307387
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01333637
IRS990/OfficeExpensesGrp/TotalAmt08173876
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt016033805
IRS990/OtherAssetsTotalGrp/EOYAmt020594059
IRS990/OtherChangesInNetAssetsAmt0-1
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01056522
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2MISC OPERATING EXPENSES
IRS990/OtherExpensesGrp/Desc3OTHER NON-OPERATING EXP
IRS990/OtherExpensesGrp/TotalAmt03494613
IRS990/OtherExpensesGrp/TotalAmt12685521
IRS990/OtherExpensesGrp/TotalAmt2542878
IRS990/OtherExpensesGrp/TotalAmt3203612
IRS990/OtherLiabilitiesGrp/BOYAmt0483992110
IRS990/OtherLiabilitiesGrp/EOYAmt0662546433
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0431828562
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0513826472
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0728947
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0790575
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0984051
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0856400
IRS990/PrincipalOfficerNm0ANDREW KEMPF
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER PROGRAM SERVICE REVENUE
IRS990/ProgramServiceRevenueGrp/Desc2FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt028455712
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt18411734
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt24771046
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt028455712
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt18411734
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt24993020
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0221974
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARDS, VEHICLE AND OTHERS. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/20 WAS 47,580.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt015204
IRS990/PYInvestmentIncomeAmt02100023
IRS990/PYOtherExpensesAmt020944280
IRS990/PYOtherRevenueAmt0-12981
IRS990/PYProgramServiceRevenueAmt037134282
IRS990/PYRevenuesLessExpensesAmt04785701
IRS990/PYSalariesCompEmpBnftPaidAmt013476139
IRS990/PYTotalExpensesAmt034435623
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt039221324
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt06052939
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt06194364
IRS990/ReconcilationRevenueExpnssAmt06505227
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt065568626
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt073381239
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010124388
IRS990/SavingsAndTempCashInvstGrp/EOYAmt028098227
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt09998075
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0574358
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt010572433
IRS990ScheduleD/EquipmentGrp/BookValueAmt04406147
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01394988
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05801135
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt04507449
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04507449
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt019381
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt05422
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt024803
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt016509217
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt09786
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt016519003
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0218604935
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1218232052
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2122564497
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt357501166
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt425081189
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt520562594
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MONEY MARKET SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5ALL OTHER SHARES
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE 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.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt035440269
IRS990ScheduleD/TotalLiabilityAmt0662546433
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0336265
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt135002
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt237784
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3138599
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4142978
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt585297
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount034146
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount1172961
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount2158311

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Filings

Displayed year

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

Open filing
Assets
$742,406,934
Liabilities
$669,025,695
Net assets
$73,381,239
Revenue
$43,206,858
Expenses
$36,701,631
Net income
$6,505,227
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