Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2014 • EIN 38-1543701

Jan 01, 2014 to Dec 31, 2014 • Filed on Aug 07, 2015

Organization ProfileWWW.KALSEE.COM
2501 MillcorkKalamazoo, MI 49001

(269) 382-7800

Siviq Scores

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

Liabilities / Assets

38th percentile

0.88x

Higher debt load relative to assets than 38% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

21st percentile

14.52x

Higher debt load relative to revenue than 21% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

27th percentile

6.5%

Higher net margin than 27% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

40th percentile

$175,481

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

46th percentile

3.3%

Faster asset growth than 46% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

48th percentile

1.8%

Faster revenue growth than 48% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$146,568,018

Up $4,679,926 (+3.3%) from 2013

Net Assets

Up

$16,903,890

Up $937,627 (+5.9%) from 2013

Liabilities

Up

$129,664,128

Up $3,742,299 (+3.0%) from 2013

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin27th percentile

Revenue

Up

$8,930,911

Up $154,966 (+1.8%) from 2013

Expenses

Up

$8,346,841

Up $536,721 (+6.9%) from 2013

Net Income

Down

$584,070

Down $381,755 (-40%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth46th percentile

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

$300M$200M$100M$0Assets 2010: $118,159,760Liabilities 2010: $103,695,230Net Assets 2010: $14,464,5302010Assets 2011: $129,105,055Liabilities 2011: $114,160,563Net Assets 2011: $14,944,4922011Assets 2012: $135,589,233Liabilities 2012: $119,375,049Net Assets 2012: $16,214,1842012Assets 2013: $141,888,092Liabilities 2013: $125,921,829Net Assets 2013: $15,966,2632013Assets 2014: $146,568,018Liabilities 2014: $129,664,128Net Assets 2014: $16,903,8902014Assets 2015: $163,458,448Liabilities 2015: $145,437,515Net Assets 2015: $18,020,9332015Assets 2016: $167,146,802Liabilities 2016: $149,183,331Net Assets 2016: $17,963,4712016Assets 2017: $176,318,387Liabilities 2017: $156,978,932Net Assets 2017: $19,339,4552017Assets 2018: $186,031,636Liabilities 2018: $165,209,282Net Assets 2018: $20,822,3542018Assets 2019: $191,496,362Liabilities 2019: $169,534,182Net Assets 2019: $21,962,1802019Assets 2020: $232,510,221Liabilities 2020: $208,997,578Net Assets 2020: $23,512,6432020Assets 2021: $266,232,925Liabilities 2021: $242,344,344Net Assets 2021: $23,888,5812021Assets 2022: $264,926,490Liabilities 2022: $245,475,651Net Assets 2022: $19,450,8392022Assets 2023: $275,464,551Liabilities 2023: $254,869,621Net Assets 2023: $20,594,9302023Assets 2024: $277,482,700Liabilities 2024: $253,977,278Net Assets 2024: $23,505,4222024

Highlighted filing

2014

Assets$146,568,018
Liabilities$129,664,128
Net Assets$16,903,890
Open 2014 Filing

Operations Trend

Revenue Growth48th percentile

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

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $7,110,4792010Expenses 2011: $6,909,2382011Expenses 2012: $7,391,2002012Revenue 2013: $8,775,945Expenses 2013: $7,810,120Net Income 2013: $965,8252013Revenue 2014: $8,930,911Expenses 2014: $8,346,841Net Income 2014: $584,0702014Revenue 2015: $9,879,931Expenses 2015: $8,724,900Net Income 2015: $1,155,0312015Revenue 2016: $11,091,664Expenses 2016: $11,296,930Net Income 2016: -$205,2662016Revenue 2017: $11,787,191Expenses 2017: $10,715,405Net Income 2017: $1,071,7862017Revenue 2018: $12,089,796Expenses 2018: $10,491,508Net Income 2018: $1,598,2882018Revenue 2019: $12,410,914Expenses 2019: $11,379,048Net Income 2019: $1,031,8662019Revenue 2020: $12,917,654Expenses 2020: $11,472,354Net Income 2020: $1,445,3002020Revenue 2021: $13,287,278Expenses 2021: $11,991,465Net Income 2021: $1,295,8132021Revenue 2022: $14,420,939Expenses 2022: $12,816,575Net Income 2022: $1,604,3642022Revenue 2023: $17,529,917Expenses 2023: $16,109,936Net Income 2023: $1,419,9812023Revenue 2024: $19,119,292Expenses 2024: $17,884,799Net Income 2024: $1,234,4932024

Highlighted filing

2014

Revenue$8,930,911
Expenses$8,346,841
Net Income$584,070
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Aug 7, 2015
Return Version
2014v5.0
Gross Receipts
$31,728,575
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
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$75,503,524$86,012,964▲ $10,509,440
Investments Other Securities$51,281,131$46,250,734▼ $5,030,397
Rtn Earn Endowment Incm Other Fnds$15,966,263$16,903,890▲ $937,627
Land, Buildings, and Equipment, Net$6,665,799$6,383,452▼ $282,347
Cash and Non-Interest-Bearing Accounts$2,760,395$1,752,063▼ $1,008,332
Accounts Receivable$629,034$838,368▲ $209,334
Receivables From Officers Etc-$450,000-
Prepaid Expenses and Deferred Charges$79,988$133,251▲ $53,263
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$141,888,092$146,568,018▲ $4,679,926
Other Assets Total$4,968,221$4,747,186▼ $221,035
Liabilities
Other Liabilities$124,727,030$127,373,789▲ $2,646,759
Accounts Payable and Accrued Expenses$1,194,799$2,290,339▲ $1,095,540
Total Liabilities$125,921,829$129,664,128▲ $3,742,299
Net Assets / Fund Balance
Total Net Assets Fund Balance$15,966,263$16,903,890▲ $937,627
Total Liabilities and Net Assets / Fund Balance$141,888,092$146,568,018▲ $4,679,926

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,299,869$1,201,967$5,501,836
Land$1,726,565-$1,726,565
Other Land Buildings$357,018$294,304$651,322
Other Securities$27,451,460--
Compensation and Service Providers
Top Officer Pay40th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rudy CallenCEO/treasurerFT$138,206$37,275$175,481
Mathew LahmanCOOFT$98,355$25,485$123,840
Amber StevensCFOFT$82,283$6,508$88,791

Board Members and Trustees

NameTitle
David StuutChairman
Joseph MartinVice Chairman
Ben DanielsonBoard Member
Michelle ShinevareBoard Member
Robert MooreBoard Member
Ronald NemediSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Vantiv Holding LLCAtm/debit Card Processor8500 GOVERNORS HILL DRIVE, Symmes Township, OH 45249$511,479
Cu AnswersCore Data Processor6000 28TH ST SE STE100, Grand Rapids, MI 49546$468,674
FisVisa Processor3031 N ROCKY POINT, Tampa, FL 33607$202,702
Mms MortgageMortgage Lender38275 TWELVE MILE RD STE 100, Farmington Hills, MI 48331$112,024
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,499,137
Investment Income
$1,013,758
Other Revenue
$418,016
Change in Net Assets
$584,070
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,057,073
Salaries, Compensation, and Employee Benefits$3,289,768
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,005,391
Other Expenses---$631,507
Occupancy---$525,030
Other Employee Benefits---$471,345
Current Officers, Directors, Trustees, and Key Employees---$388,112
Office Expenses---$354,363
All Other Expenses---$295,980
Pension Plan Contributions---$222,081
Advertising---$206,146
Payroll Taxes---$202,839
Depreciation Depletion---$156,710
Conferences and Meetings---$121,358
Fees for Services Other---$112,288
Fees for Services Accounting---$61,580
Insurance---$43,721
Travel---$37,031
Information Technology---$11,250
Fees for Services Legal---$2,750
Interest---$1,987
Total Functional Expenses$0$0$0$8,346,841
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-$450,000-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$127,373,789
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 cfo 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 2014. 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 2014.”

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

Filer Name
Kalsee Credit Union
EIN
38-1543701
Phone
2693827800
Address
2501 MILLCORK, KALAMAZOO, MI 49001

Signing Officer

Name
Rudy Callen
Title
CEO/treasurer
Phone
2693827800
Signed
2015-08-07
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
73
Volunteers
0

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Robert Parks CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Retiree health benefits 158 - oci 71,754. Split dollar csv adjustment 64,113. Shared branching settlement 138,056.”

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 468 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/LandBldgEquipBasisNetGrp/EOYAmt06383452
IRS990/LandBldgEquipCostOrOtherBssAmt07879723
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0264678
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt022532986
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt040742
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt040742
IRS990/MissionDesc0TO PROVIDE AND PROMOTE A WIDE RANGE OF FINANCIAL SERVICES TO HELP OUR MEMBERS GAIN PERSONAL FINANCIAL SUCCESS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt015966263
IRS990/NetAssetsOrFundBalancesEOYAmt016903890
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-40796
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-40796
IRS990/NetUnrelatedBusTxblIncmAmt0-156161
IRS990/NetUnrlzdGainsLossesInvstAmt079634
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0525030
IRS990/OfficeExpensesGrp/TotalAmt0354363
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04968221
IRS990/OtherAssetsTotalGrp/EOYAmt04747186
IRS990/OtherChangesInNetAssetsAmt0273923
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0471345
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1CREDIT/DEBIT CARD EXPEN
IRS990/OtherExpensesGrp/Desc2INTEREST/DIVIDEND EXPEN
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt01060148
IRS990/OtherExpensesGrp/TotalAmt1744855
IRS990/OtherExpensesGrp/TotalAmt2690369
IRS990/OtherExpensesGrp/TotalAmt3631507
IRS990/OtherLiabilitiesGrp/BOYAmt0124727030
IRS990/OtherLiabilitiesGrp/EOYAmt0127373789
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2525990
IRS990/OtherRevenueMiscGrp/Desc0FINANCIAL SERVICES
IRS990/OtherRevenueMiscGrp/Desc1SHARED BRANCH SERVICES
IRS990/OtherRevenueMiscGrp/Desc2NON-MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0192956
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1106821
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt277497
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0192956
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt1106821
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt277497
IRS990/OtherRevenueTotalAmt0418016
IRS990/OtherSalariesAndWagesGrp/TotalAmt02005391
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt075503524
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt086012964
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0202839
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0222081
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt079988
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0133251
IRS990/PrincipalOfficerNm0RUDY CALLEN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05089795
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12409342
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05089795
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12409342
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 8,633 CREDIT CARD, VEHICLE, REAL ESTATE, CONSTRUCTION, UNSECURED, BUSINESS, AND LINE OF CREDIT LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER 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/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01073513
IRS990/PYOtherExpensesAmt04782076
IRS990/PYOtherRevenueAmt0537079
IRS990/PYProgramServiceRevenueAmt07165353
IRS990/PYRevenuesLessExpensesAmt0965825
IRS990/PYSalariesCompEmpBnftPaidAmt03028044
IRS990/PYTotalExpensesAmt07810120
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08775945
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0450000
IRS990/ReconcilationRevenueExpnssAmt0584070
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt015966263
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt016903890
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04299869
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01201967
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05501836
IRS990ScheduleD/LandGrp/BookValueAmt01726565
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01726565
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0357018
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0294304
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0651322
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0127373789
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0386232
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt113628675
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt25255038
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3-471025
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt4354
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt527451460
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CUSO INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MORTGAGE BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CORPORATE NOTES
IRS990ScheduleD/OtherSecuritiesGrp/Desc3INVESTMENT VALUATION RESERVE
IRS990ScheduleD/OtherSecuritiesGrp/Desc4CCU HIGH YIELD DAILY
IRS990ScheduleD/OtherSecuritiesGrp/Desc5SBA INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06383452
IRS990ScheduleD/TotalBookValueSecuritiesAmt046250734
IRS990ScheduleD/TotalLiabilityAmt0127373789
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0138206
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount07309
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt08617
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt021349
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RUDY CALLEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/TREASURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0175481
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0BEACON 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. ALSO SAM'S CLUB MEMBERSHIPS - 8 CARDS FOR MANAGEMENT TEAM.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1RUDY CALLEN, CEO, PARTICIPATES IN A SPLIT DOLLAR LIFE INSURANCE PLAN WITH A CASH VALUE OF $450,000.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1A
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0450000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SPLIT DOLLAR LIFE INSURANCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0500000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0RUDY CALLEN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO AND TREASURER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt0450000
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE AND VOTING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD 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/ExplanationTxt2THE FORM 990 IS THOROUGHLY REVIEWED BY THE CFO AND THE CEO PRIOR TO FILING. A COPY IS MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 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 2014. 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 2014.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MONTHLY 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/ExplanationTxt5RETIREE HEALTH BENEFITS 158 - OCI 71,754. SPLIT DOLLAR CSV ADJUSTMENT 64,113. SHARED BRANCHING SETTLEMENT 138,056.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6AUDITED FINANCIAL STATEMENTS ARE DONE ON A FISCAL YEAR END AND TAX REPORTING IS REQUIRED ON A CALENDAR YEAR END.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XII, LINE 2B:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$146,568,018
Liabilities
$129,664,128
Net assets
$16,903,890
Revenue
$8,930,911
Expenses
$8,346,841
Net income
$584,070
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$277$254$23.5$19.1$17.9$1.23
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$275$255$20.6$17.5$16.1$1.42
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$265$245$19.5$14.4$12.8$1.60
2021Detailed filing. Detailed filing data is available for this year.$266$242$23.9$13.3$12.0$1.30
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$233$209$23.5$12.9$11.5$1.45
2019Detailed filing. Detailed filing data is available for this year.$191$170$22.0$12.4$11.4$1.03
2018Detailed filing. Detailed filing data is available for this year.$186$165$20.8$12.1$10.5$1.60
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$176$157$19.3$11.8$10.7$1.07
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$167$149$18.0$11.1$11.3$0.21
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$163$145$18.0$9.88$8.72$1.16
2014Detailed filing. Detailed filing data is available for this year.$147$130$16.9$8.93$8.35$0.58
2013Detailed filing. Detailed filing data is available for this year.$142$126$16.0$8.78$7.81$0.97
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$136$119$16.2$7.39
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$129$114$14.9$6.91
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$118$104$14.5$7.11