Civic Intelligence

Credit Unions Chartered in the State of Michigan Extra Credit Union

990 • Fiscal year 2022 • EIN 38-1536749

Jan 01, 2022 to Dec 31, 2022 • Filed on Nov 15, 2023

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

37th percentile

0.90x

Higher debt load relative to assets than 37% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Liabilities / Revenue

9th percentile

13.57x

Higher debt load relative to revenue than 9% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Net Margin

66th percentile

20%

Higher net margin than 66% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Top Officer Pay

78th percentile

$561,475

Higher top officer pay than 78% of similar nonprofits.

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

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Asset Growth

9th percentile

-3.0%

Faster asset growth than 9% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Revenue Growth

48th percentile

10%

Faster revenue growth than 48% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets37th percentile

Assets

Down

$314,332,667

Down $9,751,021 (-3.0%) from 2021

Net Assets

Down

$31,155,011

Down $4,920,250 (-14%) from 2021

Liabilities

Down

$283,177,656

Down $4,830,771 (-1.7%) from 2021

Revenue And Expenses
Liabilities / Revenue9th percentileNet Margin66th percentile

Revenue

Up

$20,868,717

Up $1,974,556 (+10%) from 2021

Expenses

Up

$16,640,278

Up $2,727,850 (+20%) from 2021

Net Income

Down

$4,228,439

Down $753,294 (-15%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth9th 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

2022

Assets$314,332,667
Liabilities$283,177,656
Net Assets$31,155,011
Open 2022 Filing

Operations Trend

Revenue Growth48th 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

2022

Revenue$20,868,717
Expenses$16,640,278
Net Income$4,228,439
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 15, 2023
Return Version
2022v5.0
Gross Receipts
$20,868,717
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 financial well-being for 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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$128,450,524$153,507,375▲ $25,056,851
Investments Other Securities$135,857,991$127,475,600▼ $8,382,391
Rtn Earn Endowment Incm Other Fnds$36,075,261$31,155,011▼ $4,920,250
Receivables From Officers Etc$3,945,204$7,047,474▲ $3,102,270
Land, Buildings, and Equipment, Net$5,995,391$5,700,704▼ $294,687
Investments Program Related$10,578,195$5,538,700▼ $5,039,495
Savings and Temporary Cash Investments$32,319,306$5,179,994▼ $27,139,312
Cash and Non-Interest-Bearing Accounts$1,468,044$1,762,508▲ $294,464
Accounts Receivable$843,147$673,270▼ $169,877
Prepaid Expenses and Deferred Charges$696,907$659,149▼ $37,758
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$324,083,688$314,332,667▼ $9,751,021
Other Assets Total$3,928,979$6,787,893▲ $2,858,914
Liabilities
Other Liabilities$285,844,411$280,453,752▼ $5,390,659
Accounts Payable and Accrued Expenses$2,164,016$2,723,904▲ $559,888
Total Liabilities$288,008,427$283,177,656▼ $4,830,771
Net Assets / Fund Balance
Total Net Assets Fund Balance$36,075,261$31,155,011▼ $4,920,250
Total Liabilities and Net Assets / Fund Balance$324,083,688$314,332,667▼ $9,751,021

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,181,317$4,686,765$8,868,082
Equipment$878,749$4,195,208$5,073,957
Land$640,638-$640,638
Other Securities$127,475,600--
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Deidra WilliamsCEOFT$366,342$195,133$561,475
Kristin KasinecVP of FinanceFT$198,269$100,279$298,548
James McqueenVP of Member ServicesFT$160,627$84,323$244,950
Stacey ComiskaAvp FinanceFT$116,477$58,298$174,775
Mary Kay OsgoodAvp of RiskFT$103,566$50,681$154,247
Carrie RobertsonAvp Member ServiceFT$121,961$26,588$148,549
Paul ShammasIt ManagerFT$130,763$14,774$145,537

Board Members and Trustees

NameTitle
Anne CovertChairperson
Donald SlagelVice Chairperson
Claudia MullinBoard Member
David RomanBoard Member
Michael StroudBoard Member
John PermaloffSecretary
Phillip JankowskiTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Member Driven TechnologiesIt Hosting Services30230 ORCHARD LAKE RD, Farmington Hills, MI 48334$683,063
US Signal Company LLCIt Hosting Services201 IONIA AVE SW, Grand Rapids, MI 49503$240,608
Auto ExamGps/warranties17555 EL CAMINO REAL, Houston, TX 77058$215,350
Diebold IncorporatedIvt VendorPO BOX 643543, Pittsburgh, PA 15264-3543$181,918
Butler Butler & Rowse-oberle PllcbutlerCollection Attorney24525 HARPER AVE STE 2, St Clair Shores, MI 48080$148,149
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$18,550,296
Investment Income
$2,318,421
Other Revenue
$0
Change in Net Assets
$4,228,439

Audited Revenue Reconciliation

Revenue per Audited Statements
$20,868,717
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$20,868,717
Total Revenue per Form 990
$20,868,717
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,912,974
Salaries, Compensation, and Employee Benefits$7,708,308
Grants and Similar Amounts Paid$18,996
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,795,369
Other Employee Benefits---$1,389,192
Information Technology---$1,014,169
Current Officers, Directors, Trustees, and Key Employees---$860,023
Depreciation Depletion---$538,218
Occupancy---$505,600
Fees for Services Other---$495,887
Office Expenses---$478,293
Interest---$449,216
Payroll Taxes---$429,210
Other Expenses---$354,003
Advertising---$323,168
Conferences and Meetings---$268,581
Pension Plan Contributions---$234,514
All Other Expenses---$176,089
Fees for Services Legal---$175,815
Insurance---$91,366
Fees for Services Accounting---$67,640
Grants to Domestic Individuals---$18,996
Total Functional Expenses$0$0$0$16,640,278

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$16,640,278
Total Expenses per Audited Statements$16,640,278
Total Expenses per Form 990$16,640,278
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

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

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$3,945,204$7,047,474▲ $3,102,270
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$280,453,752
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, 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 members 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 credit 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

“Financial statements are posted in the credit union lobby. The conflict of interest policy and governing documents are available for review upon request.”

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
2023-11-15

Organization Details

Principal Officer
Deidra Williams
Formed
1954
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
94
Volunteers
7

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 IX, Line 11G

“Professional services 495,887.”

Form 990, Part IX, Line 24E

“OTHER EXPENSE 176,089.”

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:

“The credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.”

Raw XML AppendixShowing 400 of 600 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 FINANCIAL WELL-BEING FOR 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.
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IRS990/Form990PartVIISectionAGrp/PersonNm7DEIDRA WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm8KRISTIN KASINEC
IRS990/Form990PartVIISectionAGrp/PersonNm9JAMES MCQUEEN
IRS990/Form990PartVIISectionAGrp/PersonNm10STACEY COMISKA
IRS990/Form990PartVIISectionAGrp/PersonNm11MARY KAY OSGOOD
IRS990/Form990PartVIISectionAGrp/PersonNm12PAUL SHAMMAS
IRS990/Form990PartVIISectionAGrp/PersonNm13CARRIE ROBERTSON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7518992
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8263048
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9214167
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10143757
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11128165
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12130763
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13121961
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/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP OF MEMBER SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt10AVP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt11AVP OF RISK
IRS990/Form990PartVIISectionAGrp/TitleTxt12IT MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt13AVP MEMBER SERVICE
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt018996
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt020868717
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01014169
IRS990/InsuranceGrp/TotalAmt091366
IRS990/InterestGrp/TotalAmt0449216
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02318421
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02318421
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0135857991
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0127475600
IRS990/InvestmentsProgramRelatedGrp/BOYAmt010578195
IRS990/InvestmentsProgramRelatedGrp/EOYAmt05538700
IRS990/IRPDocumentCnt03725
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08881973
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05995391
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05700704
IRS990/LandBldgEquipCostOrOtherBssAmt014582677
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt036075261
IRS990/NetAssetsOrFundBalancesEOYAmt031155011
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-9148689
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0505600
IRS990/OfficeExpensesGrp/TotalAmt0478293
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03928979
IRS990/OtherAssetsTotalGrp/EOYAmt06787893
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01389192
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3CREDIT CARD EXPENSE
IRS990/OtherExpensesGrp/TotalAmt02267151
IRS990/OtherExpensesGrp/TotalAmt11085974
IRS990/OtherExpensesGrp/TotalAmt2621804
IRS990/OtherExpensesGrp/TotalAmt3354003
IRS990/OtherLiabilitiesGrp/BOYAmt0285844411
IRS990/OtherLiabilitiesGrp/EOYAmt0280453752
IRS990/OtherSalariesAndWagesGrp/TotalAmt04795369
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0128450524
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0153507375
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0429210
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0234514
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0696907
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0659149
IRS990/PrincipalOfficerNm0DEIDRA WILLIAMS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2520000
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEES, CHARGES, & OTHER
IRS990/ProgramServiceRevenueGrp/Desc2FINANCE & INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt011397011
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt17061742
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011397011
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt17061742
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt291543
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt091543
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE LOANS INCLUDING VEHICLE, PERSONAL, MORTGAGE, RECREATIONAL VEHICLE, AND HOME EQUITY LOANS TOTALING $157,961,574.
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/PYGrantsAndSimilarPaidAmt017990
IRS990/PYInvestmentIncomeAmt01797518
IRS990/PYOtherExpensesAmt06757197
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt017096643
IRS990/PYRevenuesLessExpensesAmt04981733
IRS990/PYSalariesCompEmpBnftPaidAmt07137241
IRS990/PYTotalExpensesAmt013912428
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt018894161
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt03945204
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt07047474
IRS990/ReconcilationRevenueExpnssAmt04228439
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt036075261
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt031155011
IRS990/SavingsAndTempCashInvstGrp/BOYAmt032319306
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05179994
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04181317
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04686765
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08868082
IRS990ScheduleD/EquipmentGrp/BookValueAmt0878749
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04195208
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05073957
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt016640278
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0640638
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0640638
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0280453752
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0127475600
IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt020868717
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05700704
IRS990ScheduleD/TotalBookValueSecuritiesAmt0127475600
IRS990ScheduleD/TotalExpensesPerForm990Amt016640278
IRS990ScheduleD/TotalLiabilityAmt0280453752
IRS990ScheduleD/TotalRevenuePerForm990Amt020868717
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt020868717
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt016640278
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt010000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt18996
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt1GRANTS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt010
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt19
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. EMPLOYEE GRANT PROGRAM ALLOWS ALL SCHOOL STAFF MEMBERS THE OPPORTUNITY TO APPLY FOR FUNDS THEY WOULD USE TO PAY FOR SCHOOL ACTIVITIES, EQUIPMENT, PROJECTS, SUPPLIES, ETC. OUTSIDE OF THE NORMAL OPERATING BUDGET. THE SCHOOL (OR SCHOOL DISTRICT) WILL BE RESPONSIBLE FOR DISTRIBUTING THE FUNDS TO THE GRANT WINNER IN THE TIMELINE INDICATED UNDER SUBMISSION TIMELINE.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0366342
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1198269
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2160627
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3116477
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4103566
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0152650
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount164779
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount253540
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount327280
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount424599
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$314,332,667
Liabilities
$283,177,656
Net assets
$31,155,011
Revenue
$20,868,717
Expenses
$16,640,278
Net income
$4,228,439
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
2022Detailed filing. Detailed filing data is available for this year.$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
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$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
Peer Organizations

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