Civic Intelligence

Credit Unions Chartered in the State of Michigan Extra Credit Union

990 • Fiscal year 2018 • EIN 38-1536749

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 12, 2019

Organization ProfileWWW.EXTRACREDITUNION.ORG

View Organization Page

6611 Chicago RoadWarren, MI 48092

(586) 276-3000

Siviq Scores

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

Liabilities / Assets

74th percentile

0.91x

Higher debt load relative to assets than 74% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Liabilities / Revenue

11th percentile

11.89x

Higher debt load relative to revenue than 11% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Net Margin

40th percentile

11%

Higher net margin than 40% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Top Officer Pay

95th percentile

$476,191

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Asset Growth

62nd percentile

4.3%

Faster asset growth than 62% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2018

Revenue Growth

89th percentile

19%

Faster revenue growth than 89% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$231,278,409

Up $9,501,492 (+4.3%) from 2017

Net Assets

Up

$21,582,892

Up $1,247,960 (+6.1%) from 2017

Liabilities

Up

$209,695,517

Up $8,253,532 (+4.1%) from 2017

Revenue And Expenses
Liabilities / Revenue11th percentileNet Margin40th percentile

Revenue

Up

$17,630,120

Up $2,798,676 (+19%) from 2017

Expenses

Up

$15,670,873

Up $2,711,223 (+21%) from 2017

Net Income

Up

$1,959,247

Up $87,453 (+4.7%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth62nd percentile

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

$400M$300M$200M$100M$0Assets 2011: $194,960,167Liabilities 2011: $180,847,355Net Assets 2011: $14,112,8122011Assets 2012: $192,872,029Liabilities 2012: $178,211,291Net Assets 2012: $14,660,7382012Assets 2013: $192,662,177Liabilities 2013: $177,410,421Net Assets 2013: $15,251,7562013Assets 2014: $194,765,047Liabilities 2014: $178,096,476Net Assets 2014: $16,668,5712014Assets 2015: $202,273,212Liabilities 2015: $184,822,740Net Assets 2015: $17,450,4722015Assets 2016: $213,866,541Liabilities 2016: $195,448,310Net Assets 2016: $18,418,2312016Assets 2017: $221,776,917Liabilities 2017: $201,441,985Net Assets 2017: $20,334,9322017Assets 2018: $231,278,409Liabilities 2018: $209,695,517Net Assets 2018: $21,582,8922018Assets 2019: $236,332,868Liabilities 2019: $210,000,041Net Assets 2019: $26,332,8272019Assets 2020: $290,366,632Liabilities 2020: $256,671,264Net Assets 2020: $33,695,3682020Assets 2021: $324,083,688Liabilities 2021: $288,008,427Net Assets 2021: $36,075,2612021Assets 2022: $314,332,667Liabilities 2022: $283,177,656Net Assets 2022: $31,155,0112022Assets 2023: $311,717,527Liabilities 2023: $274,068,248Net Assets 2023: $37,649,2792023Assets 2024: $317,846,583Liabilities 2024: $273,294,423Net Assets 2024: $44,552,1602024

Highlighted filing

2018

Assets$231,278,409
Liabilities$209,695,517
Net Assets$21,582,892
Open 2018 Filing

Operations Trend

Revenue Growth89th percentile

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

$30M$20M$10M$0Expenses 2011: $10,168,9602011Expenses 2012: $9,580,4892012Revenue 2013: $11,224,981Expenses 2013: $10,042,824Net Income 2013: $1,182,1572013Revenue 2014: $11,016,578Expenses 2014: $9,861,368Net Income 2014: $1,155,2102014Revenue 2015: $11,294,391Expenses 2015: $10,467,291Net Income 2015: $827,1002015Revenue 2016: $12,694,585Expenses 2016: $11,164,913Net Income 2016: $1,529,6722016Revenue 2017: $14,831,444Expenses 2017: $12,959,650Net Income 2017: $1,871,7942017Revenue 2018: $17,630,120Expenses 2018: $15,670,873Net Income 2018: $1,959,2472018Revenue 2019: $19,034,085Expenses 2019: $16,286,151Net Income 2019: $2,747,9342019Revenue 2020: $19,980,667Expenses 2020: $13,847,394Net Income 2020: $6,133,2732020Revenue 2021: $18,894,161Expenses 2021: $13,912,428Net Income 2021: $4,981,7332021Revenue 2022: $20,868,717Expenses 2022: $16,640,278Net Income 2022: $4,228,4392022Revenue 2023: $24,218,411Expenses 2023: $19,212,785Net Income 2023: $5,005,6262023Revenue 2024: $26,104,511Expenses 2024: $21,905,872Net Income 2024: $4,198,6392024

Highlighted filing

2018

Revenue$17,630,120
Expenses$15,670,873
Net Income$1,959,247
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 12, 2019
Return Version
2018v3.1
Gross Receipts
$18,166,738
Mission and Program Overview

Mission

To enhance the financial well-being of members and potential members by providing quality, value, and convenience in our products and services which promotes member confidence and loyalty while maintaining financial stability.

To enhance the finanical well-being for members and potential members by providing quality, value, and conveniene in our products and services which promotes member confidence and loyalty while maintaining financial stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$123,849,673$123,432,925▼ $416,748
Investments Other Securities$71,040,651$71,811,505▲ $770,854
Rtn Earn Endowment Incm Other Fnds$20,334,932$21,582,892▲ $1,247,960
Investments Program Related$11,045,733$10,853,513▼ $192,220
Savings and Temporary Cash Investments$3,034,483$8,802,344▲ $5,767,861
Land, Buildings, and Equipment, Net$6,781,725$6,540,442▼ $241,283
Receivables From Officers Etc-$3,762,164-
Cash and Non-Interest-Bearing Accounts$1,762,491$1,674,834▼ $87,657
Prepaid Expenses and Deferred Charges$522,694$519,189▼ $3,505
Accounts Receivable$759,396$491,990▼ $267,406
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$221,776,917$231,278,409▲ $9,501,492
Other Assets Total$2,980,071$3,389,503▲ $409,432
Liabilities
Other Liabilities$199,310,918$208,092,800▲ $8,781,882
Accounts Payable and Accrued Expenses$2,131,067$1,602,717▼ $528,350
Total Liabilities$201,441,985$209,695,517▲ $8,253,532
Net Assets / Fund Balance
Total Net Assets Fund Balance$20,334,932$21,582,892▲ $1,247,960
Total Liabilities and Net Assets / Fund Balance$221,776,917$231,278,409▲ $9,501,492

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,820,117$3,844,422$8,664,539
Equipment$1,079,687$3,242,624$4,322,311
Land$640,638-$640,638
Leasehold Improvements$0$301,118$301,118
Other Securities$71,811,505--
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Deidra WilliamsCEOFT$346,573$129,618$476,191
Kristin KasinecVP of FinanceFT$149,651$56,055$205,706
Carol ViscontiVP of Member ServicesFT$111,487$44,775$156,262
James McqueenVP of OperationsFT$118,665$20,174$138,839
Stacey ComiskaFinance ManagerFT$102,054$23,226$125,280

Board Members and Trustees

NameTitle
Anne CovertChairperson
Donald SlagelVice Chairperson
Jason ZirnisAssoc. Board Member
Claudia MullinBoard Member
John PermaloffBoard Member
Phillip JankowskiBoard Member
Tammy FindlaySecretary
Matthew DanielsTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Member Driven TechnologiesData Processing30230 ORCHARD LAKE RD, Orchard Lake, MI 48334$639,051
Auto ExamGps Units17555 EL CAMINO REAL, Houston, TX 77058$374,364
Butler Butler & Rowse-oberle PllcLegal And Collections24525 HARPER AVE, St Clair Shores, MI 48080$163,111
Tipping PointMarketingP O BOX 80632, Rochester, MI 48308$124,316
US Signal LLCIt Services201 IONIA AVE SW, Grand Rapids, MI 49503$106,559
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$15,834,958
Investment Income
$1,795,162
Other Revenue
$0
Change in Net Assets
$1,959,247

Audited Revenue Reconciliation

Revenue per Audited Statements
$17,755,782
Revenue Not Reported on Financial Statements
$-125,662
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-125,662
Total Revenue per Audited Statements
$17,755,782
Total Revenue per Form 990
$17,630,120
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,907,772
Salaries, Compensation, and Employee Benefits$5,743,101
Grants and Similar Amounts Paid$20,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,907,346
Information Technology---$788,412
Other Employee Benefits---$717,761
Current Officers, Directors, Trustees, and Key Employees---$612,897
Depreciation Depletion---$607,313
Fees for Services Other---$516,142
Office Expenses---$484,909
Occupancy---$467,717
Payroll Taxes---$353,396
Interest---$352,502
Advertising---$269,937
Fees for Services Legal---$173,631
Conferences and Meetings---$170,925
Pension Plan Contributions---$151,701
Other Expenses---$140,384
Insurance---$72,449
Fees for Services Accounting---$60,423
Grants to Domestic Individuals---$20,000
Total Functional Expenses$0$0$0$15,670,873

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$15,796,535
Expenses per Audited Statements$15,670,873
Total Expenses per Form 990$15,670,873
Expenses Not Reported on Form 990$125,662
Expenses Not Reported on Financial Statements$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

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$3,762,164-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$208,092,800
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 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

“Board members can be nominated by current board memebers or by a petition signed by 50 members. Board members are elected by a majority ballot vote if necessary for a three year term.”

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

“Credit union decisions that are subject to membership approval are mergers, charter changes, dissolution of the credit union, conversion of the credit union to a bank, mutual savings bank, or mutual savings association, stock savings bank, or stock savings and loan association.”

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

“A review is conducted by the president/ceo and vp of finance prior to submission to the irs. The returns are made available to the board of directors for review.”

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

“Each director is required to sign an oath of office in march annually. Oath #7 states the director will report to the president/ceo any conflicts of interest, or potential conflicts of interest, as they would directly impact extra cresit union.”

Form 990, Part VI, Section B, Line 15

“The board of directors utilizes a review and compensation software specifically for the president/ceo's annual review. Other officers and/or key employees reviews are completed utilizing a performance software tool. Salary information is compared to industry averages utilizing a software tool. All officers and/or key employee reviews are reviewed and approved by the president/ceo.”

Form 990, Part VI, Section C, Line 19

“Each director is required to sign an oath of office in march annually. Oath #7 states the director will report to the president/ceo any conflicts of interest, or potential conflicts of interest. As they would impact extra credit union.”

Filing and Contact Details

Filer

Filer Name
Extra Credit Union
EIN
38-1536749
Phone
5862763000
Address
6611 CHICAGO ROAD, WARREN, MI 48092
Doing Business As
Extra Credit Union

Signing Officer

Name
Kristin Kasinec
Title
VP Finance
Phone
5862763125
Signed
2019-11-12

Organization Details

Principal Officer
Deidra Williams
Formed
1954
Legal Domicile
Mi
Voting Board Members
8
Independent Board Members
8
Employees
106
Volunteers
9

Preparer

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

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The organization has a committee that assumes responsibility for the oversight of the audit of its financial statements and the selection of an independent accountant. This process has not changed from previous years.”

Financial Statement Notes

PART X, LINE 2:

“Income taxes extra credit union is exempt, by statute, from federal income 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. In 2007, 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 open audit period is for the three year period ended december 31, 2018.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Loss on sale of assets included in expense within audited the financial statements, but reported net of revenues within form 990. -125,662.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Loss on sale of assets included in expense within audited the financial statements, but reported net of revenues within form 990. 125,662.”

Raw XML AppendixShowing 400 of 559 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/ActivityOrMissionDesc0TO ENHANCE THE FINANICAL WELL-BEING FOR MEMBERS AND POTENTIAL MEMBERS BY PROVIDING QUALITY, VALUE, AND CONVENIENE IN OUR PRODUCTS AND SERVICES WHICH PROMOTES MEMBER CONFIDENCE AND LOYALTY WHILE MAINTAINING FINANCIAL STABILITY.
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IRS990/Form990PartVIISectionAGrp/PersonNm3CLAUDIA MULLIN
IRS990/Form990PartVIISectionAGrp/PersonNm4MATTHEW DANIELS
IRS990/Form990PartVIISectionAGrp/PersonNm5JOHN PERMALOFF
IRS990/Form990PartVIISectionAGrp/PersonNm6PHILLIP JANKOWSKI
IRS990/Form990PartVIISectionAGrp/PersonNm7JASON ZIRNIS
IRS990/Form990PartVIISectionAGrp/PersonNm8DEIDRA WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm9KRISTIN KASINEC
IRS990/Form990PartVIISectionAGrp/PersonNm10JAMES MCQUEEN
IRS990/Form990PartVIISectionAGrp/PersonNm11CAROL VISCONTI
IRS990/Form990PartVIISectionAGrp/PersonNm12STACEY COMISKA
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/ReportableCompFromOrgAmt8441691
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9179997
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10118665
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11135611
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12102054
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/TitleTxt0VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7ASSOC. BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP OF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OF MEMBER SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt12FINANCE MANAGER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-125662
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt020000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0410956
IRS990/GrossReceiptsAmt018166738
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt05
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0788412
IRS990/InsuranceGrp/TotalAmt072449
IRS990/InterestGrp/TotalAmt0352502
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01920824
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01920824
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt071040651
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt071811505
IRS990/InvestmentsProgramRelatedGrp/BOYAmt011045733
IRS990/InvestmentsProgramRelatedGrp/EOYAmt010853513
IRS990/IRPDocumentCnt03258
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07388164
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06781725
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06540442
IRS990/LandBldgEquipCostOrOtherBssAmt013928606
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0536618
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO ENHANCE THE FINANCIAL WELL-BEING OF MEMERS AND POTENTIAL MEMBERS BY PROVIDING QUALITY, VALUE, AND CONVENIENCE IN OUR PRODUCTS AND SERVICES WHICH PROMOTES MEMBER CONFIDENCE AND LOYALTY WHILE MAINTAINING FINANCIAL STABILITY
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt020334932
IRS990/NetAssetsOrFundBalancesEOYAmt021582892
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-125662
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-125662
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-711287
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0467717
IRS990/OfficeExpensesGrp/TotalAmt0484909
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02980071
IRS990/OtherAssetsTotalGrp/EOYAmt03389503
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0717761
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT CARD
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3OTHER EXPENSE
IRS990/OtherExpensesGrp/TotalAmt04174127
IRS990/OtherExpensesGrp/TotalAmt1851930
IRS990/OtherExpensesGrp/TotalAmt2776971
IRS990/OtherExpensesGrp/TotalAmt3140384
IRS990/OtherLiabilitiesGrp/BOYAmt0199310918
IRS990/OtherLiabilitiesGrp/EOYAmt0208092800
IRS990/OtherSalariesAndWagesGrp/TotalAmt03907346
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0123849673
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0123432925
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0353396
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0151701
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0522694
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0519189
IRS990/PrincipalOfficerNm0DEIDRA WILLIAMS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3523000
IRS990/ProgramServiceRevenueGrp/BusinessCd4900099
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc3FINANCIAL PLANNING INCOME
IRS990/ProgramServiceRevenueGrp/Desc4NON-MEMBER ATM FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt010149026
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13316494
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22283625
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt010149026
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13316494
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22283625
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt376985
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt48828
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt076985
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt18828
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 15,559 LOANS INCLUDING VEHICLE, PERSONAL, MORTGAGE, RECREATIONAL VEHICLE, AND HOME EQUITY LOANS TOTALING $131,056,203.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, INTERNATIONAL REMITTANCES, BILL PAYER, STUDENT SCHOLARSHIPS, OVERDRAFT PROTECTION/COURTESY PAY, FINANCIAL EDUCATION AND COUNSELING AND VARIOUS INSURANCE AND INVESTMENT PROGRAMS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01659947
IRS990/PYOtherExpensesAmt07882074
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt013171497
IRS990/PYRevenuesLessExpensesAmt01871794
IRS990/PYSalariesCompEmpBnftPaidAmt05077576
IRS990/PYTotalExpensesAmt012959650
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt014831444
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt03762164
IRS990/ReconcilationRevenueExpnssAmt01959247
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt020334932
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt021582892
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03034483
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08802344
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04820117
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03844422
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08664539
IRS990ScheduleD/EquipmentGrp/BookValueAmt01079687
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03242624
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04322311
IRS990ScheduleD/ExpensesNotReportedAmt0125662
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt015670873
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/FundsAndOtherAccountsGrantsAmt020000
IRS990ScheduleD/FundsAndOtherAccountsHeldCnt018
IRS990ScheduleD/LandGrp/BookValueAmt0640638
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0640638
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0301118
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0301118
IRS990ScheduleD/OtherExpensesIncludedAmt0125662
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0208092800
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-125662
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt071811505
IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-125662
IRS990ScheduleD/RevenueSubtotalAmt017755782
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0INCOME TAXES EXTRA CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL INCOME 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. IN 2007, 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 OPEN AUDIT PERIOD IS FOR THE THREE YEAR PERIOD ENDED DECEMBER 31, 2018.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1LOSS ON SALE OF ASSETS INCLUDED IN EXPENSE WITHIN AUDITED THE FINANCIAL STATEMENTS, BUT REPORTED NET OF REVENUES WITHIN FORM 990. -125,662.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2LOSS ON SALE OF ASSETS INCLUDED IN EXPENSE WITHIN AUDITED THE FINANCIAL STATEMENTS, BUT REPORTED NET OF REVENUES WITHIN FORM 990. 125,662.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06540442
IRS990ScheduleD/TotalBookValueSecuritiesAmt071811505
IRS990ScheduleD/TotalExpensesPerForm990Amt015670873
IRS990ScheduleD/TotalLiabilityAmt0208092800
IRS990ScheduleD/TotalRevenuePerForm990Amt017630120
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt017755782
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt015796535
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt010000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt110000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt1GRANTS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt010
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt18
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0SCHOLARSHIP RECIPIENTS COMPLETE APPLICATIONS AND ARE SELECTED BY A JUDGING COMMITTEE BASED ON A NUMBER OF CRITERIA. ALL APPLICATIONS AND SUPPORTING DOCUMENTS WILL BE KEPT CONFIDENTIAL, BECOME THE PROPERTY OF THE CREDIT UNION AND WILL NOT BE RETURNED.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0346573
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1149651
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2111487
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount095118
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount130346

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$231,278,409
Liabilities
$209,695,517
Net assets
$21,582,892
Revenue
$17,630,120
Expenses
$15,670,873
Net income
$1,959,247
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$318$273$44.6$26.1$21.9$4.20
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$312$274$37.6$24.2$19.2$5.01
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$314$283$31.2$20.9$16.6$4.23
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$324$288$36.1$18.9$13.9$4.98
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$290$257$33.7$20.0$13.8$6.13
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$236$210$26.3$19.0$16.3$2.75
2018Detailed filing. Detailed filing data is available for this year.$231$210$21.6$17.6$15.7$1.96
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$222$201$20.3$14.8$13.0$1.87
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$214$195$18.4$12.7$11.2$1.53
2015Detailed filing. Detailed filing data is available for this year.$202$185$17.5$11.3$10.5$0.83
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$195$178$16.7$11.0$9.86$1.16
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$193$177$15.3$11.2$10.0$1.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$193$178$14.7$9.58
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$195$181$14.1$10.2