Liabilities / Assets
39th percentile
Higher debt load relative to assets than 39% of similar nonprofits.
Credit Unions Chartered in the State of Michigan
990 • Fiscal year 2013 • EIN 38-1543701
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.89x
Liabilities / Revenue
23rd percentile
Higher debt load relative to revenue than 23% of similar nonprofits.
Net Margin
53rd percentile
Higher net margin than 53% of similar nonprofits.
Top Officer Pay
65th percentile
Higher top officer pay than 65% of similar nonprofits.
Top officer pay equals 2.5% of source-year revenue.
Asset Growth
70th percentile
Faster asset growth than 70% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Up$141,888,092
Up $6,298,859 (+4.6%) from 2012
Net Assets
Down$15,966,263
Down $247,921 (-1.5%) from 2012
Liabilities
Up$125,921,829
Up $6,546,780 (+5.5%) from 2012
Revenue And Expenses
Revenue
$8,775,945
No earlier filing loaded for comparison.
Expenses
Up$7,810,120
Up $418,920 (+5.7%) from 2012
Net Income
$965,825
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Oct 23, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $10,691,689
Mission and Program Overview
Mission
To provide and promote a wide range of financial services to help our members gain personal financial success.
To provide financial services to member owners with a common bond.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $69,529,351 | $75,503,524 | ▲ $5,974,173 |
| Investments Other Securities | $40,642,719 | $51,281,131 | ▲ $10,638,412 |
| Rtn Earn Endowment Incm Other Fnds | $16,214,184 | $15,966,263 | ▼ $247,921 |
| Investments Program Related | $11,008,721 | - | - |
| Land, Buildings, and Equipment, Net | $6,482,167 | $6,665,799 | ▲ $183,632 |
| Cash and Non-Interest-Bearing Accounts | $2,950,860 | $2,760,395 | ▼ $190,465 |
| Accounts Receivable | $482,314 | $629,034 | ▲ $146,720 |
| Prepaid Expenses and Deferred Charges | $119,824 | $79,988 | ▼ $39,836 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $135,589,233 | $141,888,092 | ▲ $6,298,859 |
| Other Assets Total | $4,373,277 | $4,968,221 | ▲ $594,944 |
| Liabilities | |||
| Other Liabilities | $117,935,259 | $124,727,030 | ▲ $6,791,771 |
| Accounts Payable and Accrued Expenses | $1,439,790 | $1,194,799 | ▼ $244,991 |
| Total Liabilities | $119,375,049 | $125,921,829 | ▲ $6,546,780 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $16,214,184 | $15,966,263 | ▼ $247,921 |
| Total Liabilities and Net Assets / Fund Balance | $135,589,233 | $141,888,092 | ▲ $6,298,859 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $4,464,196 | $1,044,454 | $5,508,650 |
| Land | $1,726,565 | - | $1,726,565 |
| Other Land Buildings | $475,038 | $354,704 | $829,742 |
| Other Securities | $250,000 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Rudy Callen | CEO/treasurer | FT | $137,537 | $84,519 | $222,056 |
| Amber Stevens | CFO | FT | $73,906 | $7,146 | $81,052 |
Board Members and Trustees
| Name | Title |
|---|---|
| David Stuut | Chairman |
| Joseph Martin | Vice Chairman |
| Ben Danielson | Board Member |
| Carol Leipzig | Board Member |
| Robert Moore | Board Member |
| Ronald Nemedi | Secretary |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Vantiv Holding LLC | Atm/debit Card Processor | - | $469,803 |
| Fiserv Credit Union Solutions | Core Data Processor | - | $257,970 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $7,165,353
- Investment Income
- $1,073,513
- Other Revenue
- $537,079
- Change in Net Assets
- $965,825
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $4,782,076 |
| Salaries, Compensation, and Employee Benefits | $3,028,044 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,983,077 |
| Occupancy | - | - | - | $466,663 |
| Other Employee Benefits | - | - | - | $443,888 |
| Other Expenses | - | - | - | $425,979 |
| All Other Expenses | - | - | - | $405,533 |
| Office Expenses | - | - | - | $393,118 |
| Fees for Services Other | - | - | - | $335,789 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $303,108 |
| Payroll Taxes | - | - | - | $196,405 |
| Fees for Services Accounting | - | - | - | $188,314 |
| Advertising | - | - | - | $185,199 |
| Depreciation Depletion | - | - | - | $159,834 |
| Pension Plan Contributions | - | - | - | $101,566 |
| Conferences and Meetings | - | - | - | $82,051 |
| Insurance | - | - | - | $42,653 |
| Travel | - | - | - | $28,830 |
| Fees for Services Legal | - | - | - | $801 |
| Interest | - | - | - | $21 |
| Total Functional Expenses | $0 | $0 | $0 | $7,810,120 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Shares | $124,727,030 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- No
- 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
- No
- 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 are nominated and then elected by mail vote by the membership. Results of the mail vote are announced at the annual meeting. Each board member is elected for a 3 year term.”
Form 990, Part VI, Section B, Line 11
“The form 990 is thoroughly reviewed by the director of finance and the ceo prior to filing. A copy is made available to the board of directors for review.”
Form 990, Part VI, Section B, Line 15
“The compensation committee is made up of selected board of directors members, which use compensation surveys to approve compensation for the ceo. The last compensation review was performed in 2013. Key employee compensation is determined by reviews conducted by the ceo and human resources and are approved by the board of directors. The last compensation review was performed in 2013.”
Form 990, Part VI, Section C, Line 19
“Monthly financial statements are posted in the credit union's lobbies. The governing documents and the conflict of interest policy are available upon request at the main office.”
Filing and Contact Details
Filer
- EIN
- 38-1543701
- Phone
- 2693827800
Signing Officer
- Name
- Rudy Callen
- Title
- CEO/treasurer
- Phone
- 2693827800
- Signed
- 2014-10-23
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Rudy Callen
- Formed
- 1954
- Legal Domicile
- Mi
- Voting Board Members
- 7
- Independent Board Members
- 6
- Employees
- 78
- Volunteers
- 0
Preparer
- Preparer
- Robert Parks CPA
- Phone
- 2482443000
Supplemental Narrative
Additional Explanations
Form 990, Part III, Line 3
“In september of 2013 kalsee underwent a core processing conversion. During the preparation of the conversion we recognized that our previous core processor did not charge our members overdraft advance fees for any recurring debit card transactions that occurred on each members account. The new core processor will not have this feature thus our members will experience an increase of fee application for those transactions that previously were not recognized. This increased our overdraft advance income $8,000 to $10,000 per month during september 2013 through december 2013.”
FORM 990, PART XI, LINE 9:
“Retiree health benefits 158 - oci 176,315. Split dollar csv adjustment -64,112.”
FORM 990, PART XII, LINE 2B:
“Audited financial statements are done on a fiscal year end and tax reporting is required on a calendar year end.”
Raw XML AppendixShowing 400 of 445 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/AccountsReceivableGrp/BOYAmt | 0 | 482314 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 629034 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND. |
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| IRS990/BooksInCareOfDetail/USAddress/City | 0 | KALAMAZOO |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 490033006 |
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| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2760395 |
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| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 0 | OH |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 1 | IL |
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| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode | 1 | 606756958 |
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| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1 | 1 | FISERV CREDIT UNION SOLUTIONS |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | ATM/DEBIT CARD PROCESSOR |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | CORE DATA PROCESSOR |
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| IRS990/CYTotalExpensesAmt | 0 | 7810120 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
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| IRS990/DeductibleArtContributionInd | 0 | 0 |
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| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 159834 |
| IRS990/Desc | 0 | PROVIDE 21,924 MEMBERS WITH SAVINGS, CHECKING, CLUB, MONEY MARKET, INDIVIDUAL RETIREMENT AND CERTIFICATES OF DEPOSIT ACCOUNTS TOTALING $124,727,029.66. |
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| IRS990/EmployeeCnt | 0 | 78 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
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| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
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| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 801 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 335789 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 60.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 45.00 |
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| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 1745696 |
| IRS990/GrossReceiptsAmt | 0 | 10691689 |
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| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1036674 |
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| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
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| IRS990/MethodOfAccountingAccrualInd | 0 | X |
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| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 40228 |
| IRS990/MissionDesc | 0 | TO PROVIDE AND PROMOTE A WIDE RANGE OF FINANCIAL SERVICES TO HELP OUR MEMBERS GAIN PERSONAL FINANCIAL SUCCESS. |
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| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
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| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 15966263 |
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| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -1325949 |
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| IRS990/OccupancyGrp/TotalAmt | 0 | 466663 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 393118 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
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| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 4968221 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 112203 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 443888 |
| IRS990/OtherExpensesGrp/Desc | 0 | CREDIT/DEBIT CARD EXPEN |
| IRS990/OtherExpensesGrp/Desc | 1 | INTEREST/DIVIDEND EXPEN |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 817734 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 725236 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 524321 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 425979 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 117935259 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 124727030 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | FINANCIAL SERVICES |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | SHARED BRANCH SERVICES |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | NON-MEMBER ATM FEES |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 319321 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 112867 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 64663 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 319321 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 1 | 112867 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 2 | 64663 |
| IRS990/OtherRevenueTotalAmt | 0 | 537079 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1983077 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 69529351 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 75503524 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 196405 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 101566 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 119824 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 79988 |
| IRS990/PrincipalOfficerNm | 0 | RUDY CALLEN |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES/CHARGES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4991777 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2173576 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 4991777 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2173576 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | PROVIDE 7,572 CREDIT CARD, VEHICLE, REAL ESTATE, CONSTRUCTION, UNSECURED, BUSINESS, AND LINE OF CREDIT LOANS. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | OFFER ATM AND DEBIT CARDS, CHECK CASHING, WIRE TRANSFERS, COURTESY PAY, MONEY ORDERS, TRAVEL CARDS, ELECTRONIC BANKING, FINANCIAL COUNSELING, INVESTMENTS AND INSURANCE PROGRAMS TO ALL ELIGIBLE MEMBERS. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1174308 |
| IRS990/PYOtherExpensesAmt | 0 | 4612460 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 7022630 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 805738 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2778740 |
| IRS990/PYTotalExpensesAmt | 0 | 7391200 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 8196938 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 965825 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 0 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 16214184 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 15966263 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 4464196 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1044454 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 5508650 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1726565 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1726565 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 475038 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 354704 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 829742 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 124727030 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 385677 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 33917994 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 750000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 14139328 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 4 | 250000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 5 | -550660 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 6 | 2138792 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 7 | 250000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | CUSO INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | MORTGAGE BACKED SECURITIES |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | CERTIFICATES OF DEPOSITS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | CORPORATE NOTES |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 4 | AGENCIES |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 5 | INVESTMENT VALUATION RESERVE |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 6 | CCU HIGH YIELD DAILY |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 7 | ALLOYA REG D ACCOUNT |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 4 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 5 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 6 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 7 | F |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 6665799 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 51281131 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 124727030 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/ClubDuesOrFeesInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 137537 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 3926 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 61277 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 19316 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | RUDY CALLEN |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO/TREASURER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 222056 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SubstantiationRequiredInd | 0 | 1 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | BEACON CLUB MEMBERSHIP - THIS MEMBERSHIP IS FOR KEY EMPLOYEE'S TO TAKE CLIENTS TO LUNCH/DINNER FOR BUSINESS PURPOSES ONLY. IN THE EVENT A KEY EMPLOYEE UTILIZES THE ACCOUNT FOR PERSONAL REASONS, THEY ARE RESPONSIBLE FOR THE COSTS. KALSEE PAYS $50 ANNUALLY FOR 10 EMPLOYEES WHICH INCLUDE THE CEO, COO, CFO, AND THE BOARD OF DIRECTORS. |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 1 | RUDY CALLEN, CEO, PARTICIPATES IN A SPLIT DOLLAR LIFE INSURANCE PLAN WITH A CASH VALUE OF $335,887. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 1A |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART I, LINE 4B |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 1 |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd | 0 | 1 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | IN SEPTEMBER OF 2013 KALSEE UNDERWENT A CORE PROCESSING CONVERSION. DURING THE PREPARATION OF THE CONVERSION WE RECOGNIZED THAT OUR PREVIOUS CORE PROCESSOR DID NOT CHARGE OUR MEMBERS OVERDRAFT ADVANCE FEES FOR ANY RECURRING DEBIT CARD TRANSACTIONS THAT OCCURRED ON EACH MEMBERS ACCOUNT. THE NEW CORE PROCESSOR WILL NOT HAVE THIS FEATURE THUS OUR MEMBERS WILL EXPERIENCE AN INCREASE OF FEE APPLICATION FOR THOSE TRANSACTIONS THAT PREVIOUSLY WERE NOT RECOGNIZED. THIS INCREASED OUR OVERDRAFT ADVANCE INCOME $8,000 TO $10,000 PER MONTH DURING SEPTEMBER 2013 THROUGH DECEMBER 2013. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE AND VOTING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | BOARD MEMBERS ARE NOMINATED AND THEN ELECTED BY MAIL VOTE BY THE MEMBERSHIP. RESULTS OF THE MAIL VOTE ARE ANNOUNCED AT THE ANNUAL MEETING. EACH BOARD MEMBER IS ELECTED FOR A 3 YEAR TERM. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE FORM 990 IS THOROUGHLY REVIEWED BY THE DIRECTOR OF FINANCE AND THE CEO PRIOR TO FILING. A COPY IS MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE COMPENSATION COMMITTEE IS MADE UP OF SELECTED BOARD OF DIRECTORS MEMBERS, WHICH USE COMPENSATION SURVEYS TO APPROVE COMPENSATION FOR THE CEO. THE LAST COMPENSATION REVIEW WAS PERFORMED IN 2013. KEY EMPLOYEE COMPENSATION IS DETERMINED BY REVIEWS CONDUCTED BY THE CEO AND HUMAN RESOURCES AND ARE APPROVED BY THE BOARD OF DIRECTORS. THE LAST COMPENSATION REVIEW WAS PERFORMED IN 2013. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION'S LOBBIES. THE GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST AT THE MAIN OFFICE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | RETIREE HEALTH BENEFITS 158 - OCI 176,315. SPLIT DOLLAR CSV ADJUSTMENT -64,112. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | AUDITED FINANCIAL STATEMENTS ARE DONE ON A FISCAL YEAR END AND TAX REPORTING IS REQUIRED ON A CALENDAR YEAR END. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART III, LINE 3 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART XI, LINE 9: |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART XII, LINE 2B: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 1 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 135589233 |
| IRS990/TotalAssetsEOYAmt | 0 | 141888092 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 135589233 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 141888092 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalEmployeeCnt | 0 | 78 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 7810120 |
| IRS990/TotalGrossUBIAmt | 0 | 537079 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 119375049 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 125921829 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 119375049 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 125921829 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 16214184 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 15966263 |
| IRS990/TotalOtherCompensationAmt | 0 | 87739 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 7165353 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 215369 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 1073513 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 7165353 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $141,888,092
- Liabilities
- $125,921,829
- Net assets
- $15,966,263
- Revenue
- $8,775,945
- Expenses
- $7,810,120
- Net income
- $965,825