Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2015 • EIN 38-1543701

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 04, 2016

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

43rd percentile

0.89x

Higher debt load relative to assets than 43% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

20th percentile

14.72x

Higher debt load relative to revenue than 20% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

54th percentile

12%

Higher net margin than 54% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

43rd percentile

$183,537

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Asset Growth

88th percentile

12%

Faster asset growth than 88% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

82nd percentile

11%

Faster revenue growth than 82% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$163,458,448

Up $16,890,430 (+12%) from 2014

Net Assets

Up

$18,020,933

Up $1,117,043 (+6.6%) from 2014

Liabilities

Up

$145,437,515

Up $15,773,387 (+12%) from 2014

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin54th percentile

Revenue

Up

$9,879,931

Up $949,020 (+11%) from 2014

Expenses

Up

$8,724,900

Up $378,059 (+4.5%) from 2014

Net Income

Up

$1,155,031

Up $570,961 (+98%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth88th 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

2015

Assets$163,458,448
Liabilities$145,437,515
Net Assets$18,020,933
Open 2015 Filing

Operations Trend

Revenue Growth82nd 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

2015

Revenue$9,879,931
Expenses$8,724,900
Net Income$1,155,031
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 4, 2016
Return Version
2015v2.1
Gross Receipts
$29,190,127
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$86,012,964$127,291,566▲ $41,278,602
Investments Other Securities$46,250,734$20,317,953▼ $25,932,781
Rtn Earn Endowment Incm Other Fnds$16,903,890$18,020,933▲ $1,117,043
Land, Buildings, and Equipment, Net$6,383,452$6,180,108▼ $203,344
Cash and Non-Interest-Bearing Accounts$1,752,063$2,680,080▲ $928,017
Accounts Receivable$838,368$881,214▲ $42,846
Prepaid Expenses and Deferred Charges$133,251$877,413▲ $744,162
Receivables From Officers Etc$450,000$500,000▲ $50,000
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$146,568,018$163,458,448▲ $16,890,430
Other Assets Total$4,747,186$4,730,114▼ $17,072
Liabilities
Other Liabilities$127,373,789$140,986,840▲ $13,613,051
Accounts Payable and Accrued Expenses$2,290,339$4,450,675▲ $2,160,336
Total Liabilities$129,664,128$145,437,515▲ $15,773,387
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,903,890$18,020,933▲ $1,117,043
Total Liabilities and Net Assets / Fund Balance$146,568,018$163,458,448▲ $16,890,430

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,169,962$1,346,019$5,515,981
Land$1,726,565-$1,726,565
Other Land Buildings$283,581$332,460$616,041
Other Securities$10,482,570--
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rudy CallenCEO/treasurerFT$141,676$41,861$183,537
Matthew LahmanCOOFT$112,547$8,520$121,067
Amber StevensCFOFT$89,927$10,487$100,414

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$470,161
Cu AnswersCore Data Processor6000 28TH ST SE STE 100, Grand Rapids, MI 49546$345,286
FisVisa Processor3031 N ROCKY POINT, Tampa, FL 33607$163,804
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,282,973
Investment Income
$157,352
Other Revenue
$439,606
Change in Net Assets
$1,155,031
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,556,084
Salaries, Compensation, and Employee Benefits$3,168,816
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,962,746
All Other Expenses---$947,538
Other Expenses---$658,618
Occupancy---$549,518
Other Employee Benefits---$411,565
Current Officers, Directors, Trustees, and Key Employees---$405,018
Office Expenses---$237,606
Payroll Taxes---$208,034
Pension Plan Contributions---$181,453
Advertising---$128,889
Depreciation Depletion---$112,006
Conferences and Meetings---$72,394
Travel---$67,527
Interest---$64,052
Information Technology---$45,874
Fees for Services Other---$44,169
Fees for Services Accounting---$14,337
Fees for Services Legal---$771
Total Functional Expenses$0$0$0$8,724,900
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$500,000▲ $50,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$140,986,840
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 2015. 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 2015.”

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
Phone
2693827800
Signed
2016-11-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Matt Lahman
Formed
1954
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
6
Employees
80
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 IX, Line 24E

“Provision for loan losses 614,738. Atm expense 74,606. Fraud/forgeries/overdraft losses 55,613. Rental/maintenance furn & equip 51,070. Misc operating expense 50,208. Miscellaneous 39,984. Shared branch expense 27,074. Share draft expenses 23,045. Cash over/short 5,607. Donations 5,577. Member insurance expense 16.”

FORM 990, PART XI, LINE 9:

“Retiree health benefits 158 - oci -56,069. Shared branching settlement -48,588.”

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 461 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/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt062470
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt062470
IRS990/MissionDesc0TO PROVIDE AND PROMOTE A WIDE RANGE OF FINANCIAL SERVICES TO HELP OUR MEMBERS GAIN PERSONAL FINANCIAL SUCCESS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt016903890
IRS990/NetAssetsOrFundBalancesEOYAmt018020933
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-297572
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-297572
IRS990/NetUnrelatedBusTxblIncmAmt0-199273
IRS990/NetUnrlzdGainsLossesInvstAmt066669
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0549518
IRS990/OfficeExpensesGrp/TotalAmt0237606
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04747186
IRS990/OtherAssetsTotalGrp/EOYAmt04730114
IRS990/OtherChangesInNetAssetsAmt0-104657
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0411565
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1COST OF COMPLIANCY
IRS990/OtherExpensesGrp/Desc2CREDIT/DEBIT CARD EXPEN
IRS990/OtherExpensesGrp/Desc3INTEREST/DIVIDEND EXPEN
IRS990/OtherExpensesGrp/TotalAmt01141997
IRS990/OtherExpensesGrp/TotalAmt1783399
IRS990/OtherExpensesGrp/TotalAmt2687389
IRS990/OtherExpensesGrp/TotalAmt3658618
IRS990/OtherLiabilitiesGrp/BOYAmt0127373789
IRS990/OtherLiabilitiesGrp/EOYAmt0140986840
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/TotalRevenueColumnAmt0182634
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1103876
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt290626
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0182634
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt1103876
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt290626
IRS990/OtherRevenueTotalAmt0439606
IRS990/OtherSalariesAndWagesGrp/TotalAmt01962746
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt086012964
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0127291566
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0208034
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0181453
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0133251
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0877413
IRS990/PrincipalOfficerNm0MATT LAHMAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06742495
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12540478
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06742495
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12540478
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 11,203 CREDIT CARDS, VEHICLES, 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, ELECTRONIC BANKING, FINANCIAL COUNSELING, INVESTMENTS AND INSURANCE PROGRAMS TO ALL ELIGIBLE MEMBERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01013758
IRS990/PYOtherExpensesAmt05057073
IRS990/PYOtherRevenueAmt0418016
IRS990/PYProgramServiceRevenueAmt07499137
IRS990/PYRevenuesLessExpensesAmt0584070
IRS990/PYSalariesCompEmpBnftPaidAmt03289768
IRS990/PYTotalExpensesAmt08346841
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08930911
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0450000
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0500000
IRS990/ReconcilationRevenueExpnssAmt01155031
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt016903890
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt018020933
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04169962
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01346019
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05515981
IRS990ScheduleD/LandGrp/BookValueAmt01726565
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01726565
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0283581
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0332460
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0616041
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0140986840
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0389197
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt17466513
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2-404356
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt32384029
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt410482570
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CUSO INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MORTGAGE BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc2INVESTMENT VALUATION RESERVE
IRS990ScheduleD/OtherSecuritiesGrp/Desc3CCU HIGH YIELD DAILY
IRS990ScheduleD/OtherSecuritiesGrp/Desc4SBA INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06180108
IRS990ScheduleD/TotalBookValueSecuritiesAmt020317953
IRS990ScheduleD/TotalLiabilityAmt0140986840
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0141676
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount011093
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt09152
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt021616
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RUDY CALLEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/TREASURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0183537
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 $500,000.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1A
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0500000
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/TotalBalanceDueAmt0500000
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 2015. 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 2015.
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/ExplanationTxt5PROVISION FOR LOAN LOSSES 614,738. ATM EXPENSE 74,606. FRAUD/FORGERIES/OVERDRAFT LOSSES 55,613. RENTAL/MAINTENANCE FURN & EQUIP 51,070. MISC OPERATING EXPENSE 50,208. MISCELLANEOUS 39,984. SHARED BRANCH EXPENSE 27,074. SHARE DRAFT EXPENSES 23,045. CASH OVER/SHORT 5,607. DONATIONS 5,577. MEMBER INSURANCE EXPENSE 16.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6RETIREE HEALTH BENEFITS 158 - OCI -56,069. SHARED BRANCHING SETTLEMENT -48,588.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7AUDITED 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 IX, LINE 24E
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2B:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0146568018
IRS990/TotalAssetsEOYAmt0163458448
IRS990/TotalAssetsGrp/BOYAmt0146568018

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$163,458,448
Liabilities
$145,437,515
Net assets
$18,020,933
Revenue
$9,879,931
Expenses
$8,724,900
Net income
$1,155,031
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
2015Detailed filing. Detailed filing data is available for this year.$163$145$18.0$9.88$8.72$1.16
2014Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$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