Civic Intelligence

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

990 • Fiscal year 2021 • EIN 38-1524350

Jan 01, 2021 to Dec 31, 2021 • Filed on Nov 04, 2022

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

66th percentile

0.91x

Higher debt load relative to assets than 66% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Liabilities / Revenue

16th percentile

15.75x

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

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Net Margin

52nd percentile

18%

Higher net margin than 52% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Top Officer Pay

67th percentile

$475,058

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Asset Growth

93rd percentile

21%

Faster asset growth than 93% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2020 to 2021

Revenue Growth

93rd percentile

20%

Faster revenue growth than 93% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets66th percentile

Assets

Up

$896,646,295

Up $154,239,361 (+21%) from 2020

Net Assets

Up

$80,146,226

Up $6,764,987 (+9.2%) from 2020

Liabilities

Up

$816,500,069

Up $147,474,374 (+22%) from 2020

Revenue And Expenses
Liabilities / Revenue16th percentileNet Margin52nd percentile

Revenue

Up

$51,854,069

Up $8,647,211 (+20%) from 2020

Expenses

Up

$42,435,257

Up $5,733,626 (+16%) from 2020

Net Income

Up

$9,418,812

Up $2,913,585 (+45%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth93rd 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

2021

Assets$896,646,295
Liabilities$816,500,069
Net Assets$80,146,226
Open 2021 Filing

Operations Trend

Revenue Growth93rd 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

2021

Revenue$51,854,069
Expenses$42,435,257
Net Income$9,418,812
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Nov 4, 2022
Return Version
2021v4.2
Gross Receipts
$51,897,395
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$513,826,472$597,964,102▲ $84,137,630
Investments in Publicly Traded Securities$108,270,343$152,934,018▲ $44,663,675
Rtn Earn Endowment Incm Other Fnds$73,381,239$80,146,226▲ $6,764,987
Savings and Temporary Cash Investments$28,098,227$39,813,011▲ $11,714,784
Land, Buildings, and Equipment, Net$35,440,269$38,619,400▲ $3,179,131
Investments Other Securities$9,838,937$21,899,103▲ $12,060,166
Cash and Non-Interest-Bearing Accounts$15,631,712$14,530,076▼ $1,101,636
Receivables From Officers Etc$6,194,364$6,338,692▲ $144,328
Accounts Receivable$2,320,295$3,333,929▲ $1,013,634
Intangible Assets$1,335,856$1,001,891▼ $333,965
Prepaid Expenses and Deferred Charges$856,400$969,029▲ $112,629
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$742,406,934$896,646,295▲ $154,239,361
Other Assets Total$20,594,059$19,243,044▼ $1,351,015
Liabilities
Other Liabilities$662,546,433$810,576,256▲ $148,029,823
Accounts Payable and Accrued Expenses$6,479,262$5,923,813▼ $555,449
Total Liabilities$669,025,695$816,500,069▲ $147,474,374
Net Assets / Fund Balance
Total Net Assets Fund Balance$73,381,239$80,146,226▲ $6,764,987
Total Liabilities and Net Assets / Fund Balance$742,406,934$896,646,295▲ $154,239,361

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$28,309,741$727,758$29,037,499
Equipment$5,426,394$1,436,734$6,863,128
Land$4,565,693-$4,565,693
Other Land Buildings$288,684$13,756$302,440
Leasehold Improvements$28,888$8,208$37,096
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Andrew KempfCEOFT$363,167$111,891$475,058
Karl PagelSVP FinanceFT$145,409$97,156$242,565
Brent SimonsMortgage Loan OriginatorFT$35,302$202,172$237,474
Darrin Van LooMortgage ConsultantFT$37,717$189,924$227,641
Geoff StreitVP Commercial LendingFT$86,217$129,095$215,312
Zach EychanerSVP It/innovationFT$142,526$45,621$188,147

Board Members and Trustees

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

Highest Paid Contractors

ContractorServicesLocationCompensation
Pine Street Development One LLCAdmin Center Construction11123 BUGAI RD, Traverse City, MI 49684$3,994,092
Q2 SoftwareOnline BankingPO BOX 205970, Dallas, TX 75320-5970$988,463
Interphase InteriorsFurniture For New Admin Building35 OAKES ST SW 5TH FLOOR, Grand Rapids, MI 49503$585,946
Informa Business Systems INCItms, Service Agreements, Receipt Paper5170 HARTSHORN DRIVE, Flushing, MI 48433$530,364
Jack Henry And AssociatesEmployee/member ServicesPO BOX 609, Monett, MO 65708$438,169
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$48,450,192
Investment Income
$1,831,994
Other Revenue
$1,571,883
Change in Net Assets
$9,418,812
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$25,078,725
Salaries, Compensation, and Employee Benefits$14,063,656
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,690,380
Office Expenses---$10,082,418
Benefits to Members---$3,292,876
Depreciation Depletion---$2,186,455
Occupancy---$2,067,248
Fees for Services Other---$1,669,443
Other Employee Benefits---$1,234,582
Advertising---$1,025,961
Pension Plan Contributions---$838,891
Payroll Taxes---$824,745
Current Officers, Directors, Trustees, and Key Employees---$475,058
Conferences and Meetings---$220,940
Fees for Services Accounting---$37,188
Travel---$10,846
Interest---$2,193
Other Expenses---$-83,132
Total Functional Expenses$0$0$0$42,435,257
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$6,194,364$6,338,692▲ $144,328
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$292,142,190
Share Drafts$265,293,066
Money Market Shares$160,454,057
Share Certificates$63,419,918
Ira Certificates$25,416,221
All Other Shares$3,850,804
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
Karl Pagel
Title
CFO
Phone
2319292000
Signed
2022-11-04
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
319
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 2017 and beyond.”

Raw XML AppendixShowing 400 of 619 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/PersonNm1BRYAN LINDFORS
IRS990/Form990PartVIISectionAGrp/PersonNm2CHARLES HAGUE
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN JACK HODGE
IRS990/Form990PartVIISectionAGrp/PersonNm4MATILYN MATTIE MEADOWS
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/PersonNm12GEOFF STREIT
IRS990/Form990PartVIISectionAGrp/PersonNm13KARL PAGEL
IRS990/Form990PartVIISectionAGrp/PersonNm14ZACH EYCHANER
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9395548
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10194978
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11186232
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12175005
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13161704
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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/TitleTxt12VP COMMERCIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP IT/INNOVATION
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IRS990/FormationYr01954
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IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
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IRS990/GainOrLossGrp/SecuritiesAmt0-43326
IRS990/GamingActivitiesInd00
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GrossReceiptsAmt051897395
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndivRcvdGreaterThan100KCnt012
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/IntangibleAssetsGrp/BOYAmt01335856
IRS990/IntangibleAssetsGrp/EOYAmt01001891
IRS990/InterestGrp/TotalAmt02193
IRS990/InvestmentIncomeGrp/ExclusionAmt01844015
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01844015
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IRS990/IRPDocumentCnt01525
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt038619400
IRS990/LandBldgEquipCostOrOtherBssAmt040805856
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt043326
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
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IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE FINANCIAL SERVICES TO MEMBERS WITH A COMMON BOND.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt073381239
IRS990/NetAssetsOrFundBalancesEOYAmt080146226
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-12021
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-12021
IRS990/NetUnrelatedBusTxblIncmAmt098503
IRS990/NetUnrlzdGainsLossesInvstAmt0-2653824
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02067248
IRS990/OfficeExpensesGrp/TotalAmt010082418
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt020594059
IRS990/OtherAssetsTotalGrp/EOYAmt019243044
IRS990/OtherChangesInNetAssetsAmt0-1
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01234582
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2OPERATING FEES
IRS990/OtherExpensesGrp/Desc3MISC OPERATING EXPENSES
IRS990/OtherExpensesGrp/TotalAmt03938975
IRS990/OtherExpensesGrp/TotalAmt13773910
IRS990/OtherExpensesGrp/TotalAmt2146280
IRS990/OtherExpensesGrp/TotalAmt3-83132
IRS990/OtherLiabilitiesGrp/BOYAmt0662546433
IRS990/OtherLiabilitiesGrp/EOYAmt0810576256
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER NON-INTEREST INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01571883
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01571883
IRS990/OtherRevenueTotalAmt01571883
IRS990/OtherSalariesAndWagesGrp/TotalAmt010690380
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0513826472
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0597964102
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0824745
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0838891
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0856400
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0969029
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/RelatedOrExemptFuncIncomeAmt032600379
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt19933855
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt25658571
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt032600379
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt19933855
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt25915958
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0257387
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 12/31/21 WAS 48,046.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt03338529
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01346392
IRS990/PYOtherExpensesAmt020332623
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt041860466
IRS990/PYRevenuesLessExpensesAmt06505227
IRS990/PYSalariesCompEmpBnftPaidAmt013030479
IRS990/PYTotalExpensesAmt036701631
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt043206858
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt06194364
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt06338692
IRS990/ReconcilationRevenueExpnssAmt09418812
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt073381239
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt080146226
IRS990/SavingsAndTempCashInvstGrp/BOYAmt028098227
IRS990/SavingsAndTempCashInvstGrp/EOYAmt039813011
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt028309741
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0727758
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt029037499
IRS990ScheduleD/EquipmentGrp/BookValueAmt05426394
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01436734
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06863128
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt04565693
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04565693
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt028888
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt08208
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt037096
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0288684
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt013756
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0302440
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0265293066
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1292142190
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2160454057
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt363419918
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt425416221
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt53850804
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 2017 AND BEYOND.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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IRS990ScheduleD/TotalLiabilityAmt0810576256
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
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IRS990/ScheduleJRequiredInd01
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt235302
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt337717
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt486217
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5142526

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$896,646,295
Liabilities
$816,500,069
Net assets
$80,146,226
Revenue
$51,854,069
Expenses
$42,435,257
Net income
$9,418,812
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
Peer Organizations

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