Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2020 • EIN 38-1543701

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 09, 2021

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

52nd percentile

0.90x

Higher debt load relative to assets than 52% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Liabilities / Revenue

23rd percentile

16.18x

Higher debt load relative to revenue than 23% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Net Margin

55th percentile

11%

Higher net margin than 55% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Top Officer Pay

59th percentile

$232,116

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Asset Growth

81st percentile

21%

Faster asset growth than 81% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Revenue Growth

83rd percentile

4.1%

Faster revenue growth than 83% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Up

$232,510,221

Up $41,013,859 (+21%) from 2019

Net Assets

Up

$23,512,643

Up $1,550,463 (+7.1%) from 2019

Liabilities

Up

$208,997,578

Up $39,463,396 (+23%) from 2019

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin55th percentile

Revenue

Up

$12,917,654

Up $506,740 (+4.1%) from 2019

Expenses

Up

$11,472,354

Up $93,306 (+0.8%) from 2019

Net Income

Up

$1,445,300

Up $413,434 (+40%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth81st 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

2020

Assets$232,510,221
Liabilities$208,997,578
Net Assets$23,512,643
Open 2020 Filing

Operations Trend

Revenue Growth83rd 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

2020

Revenue$12,917,654
Expenses$11,472,354
Net Income$1,445,300
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 9, 2021
Return Version
2020v4.1
Gross Receipts
$12,917,654
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$152,891,250$156,782,539▲ $3,891,289
Rtn Earn Endowment Incm Other Fnds$21,962,180$23,512,643▲ $1,550,463
Investments Other Securities$11,384,313$21,414,706▲ $10,030,393
Investments in Publicly Traded Securities$6,342,526$18,766,219▲ $12,423,693
Savings and Temporary Cash Investments$4,343,420$17,893,646▲ $13,550,226
Land, Buildings, and Equipment, Net$6,124,202$7,569,159▲ $1,444,957
Receivables From Officers Etc$1,533,840$1,552,846▲ $19,006
Cash and Non-Interest-Bearing Accounts$1,946,769$1,339,141▼ $607,628
Prepaid Expenses and Deferred Charges$742,535$940,310▲ $197,775
Accounts Receivable$999,558$505,128▼ $494,430
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$191,496,362$232,510,221▲ $41,013,859
Other Assets Total$5,187,949$5,746,527▲ $558,578
Liabilities
Other Liabilities$167,498,023$206,713,708▲ $39,215,685
Accounts Payable and Accrued Expenses$2,036,159$2,283,870▲ $247,711
Total Liabilities$169,534,182$208,997,578▲ $39,463,396
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,962,180$23,512,643▲ $1,550,463
Total Liabilities and Net Assets / Fund Balance$191,496,362$232,510,221▲ $41,013,859

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,587,631$1,927,316$5,514,947
Land$3,505,115-$3,505,115
Equipment$476,413$925,762$1,402,175
Other Securities$20,000,000--
Compensation and Service Providers
Top Officer Pay59th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Matthew LahmanCEOFT$161,854$70,262$232,116
Amber StevensCFOFT$120,642$27,296$147,938
Sheldon FaworskiCOOFT$120,165$27,328$147,493
Richard BakerVP of LendingFT$112,096$12,427$124,523

Board Members and Trustees

NameTitle
David StuutBoard Chair
Joseph MartinBoard Vice Chair
Erik NordAssociate Board Member Non Voting Member
Rod MasonAssociate Board Member Non Voting Member
Ben DanielsonBoard Member
Brian SackettBoard Member
Jodi K MilksBoard Member
Rudy CallenBoard Member
Michelle ShinevareBoard Secretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu AnswersCore Data Processor6000 28TH ST SE STE 100, Grand Rapids, MI 49546$449,011
PscuAtm/debit Processor560 CARILLON PARKWAY, St Petersburg, FL 33716$418,455
Visa InternationalCredit/debit Card BrandingPO BOX 742233, Los Angeles, CA 90074$273,074
AunalyticsIt Infastructure460 STULL ST SUITE 200, South Bend, IN 46601$258,331
FisCredit Card Processing3031 N ROCKY POINT, Tampa, FL 33607$101,231
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,249,646
Investment Income
$448,448
Other Revenue
$219,560
Change in Net Assets
$1,445,300

Audited Revenue Reconciliation

Revenue per Audited Statements
$12,917,654
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$12,917,654
Total Revenue per Form 990
$12,917,654
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,658,877
Salaries, Compensation, and Employee Benefits$4,813,477
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,894,561
Other Employee Benefits---$1,061,243
Interest---$986,963
Information Technology---$903,186
Office Expenses---$477,762
Other Expenses---$401,128
Current Officers, Directors, Trustees, and Key Employees---$380,054
Occupancy---$302,599
Fees for Services Other---$289,211
All Other Expenses---$278,440
Payroll Taxes---$276,939
Advertising---$244,939
Depreciation Depletion---$231,394
Pension Plan Contributions---$200,680
Fees for Services Accounting---$88,899
Travel---$79,558
Insurance---$47,261
Conferences and Meetings---$25,465
Payments to Affiliates---$22,090
Fees for Services Legal---$345
Total Functional Expenses$0$0$0$11,472,354

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$11,472,354
Total Expenses per Audited Statements$11,472,354
Total Expenses per Form 990$11,472,354
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$1,533,840$1,552,846▲ $19,006
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$206,713,708
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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 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 A, Line 7B

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

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

“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 2020. 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 2020.”

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
Matt Lahman
Title
CEO
Phone
2693827800
Signed
2021-11-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Matt Lahman
Formed
1954
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
96
Volunteers
9

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

“Maintenance 229,182. Miscellaneous 39,465. Fraud/forgeries/overdraft losses 9,793.”

FORM 990, PART XI, LINE 9:

“Retiree health benefits 158 - oci -176,342. Shared branching settlement 17,949.”

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. There are no revenue or expense items reported in the audited financial statements that are not reported in form 990.”

Form 990, Part XII, Line 2C

“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute (irc section 501(c)(14), from federal and state income taxes.”

Raw XML AppendixShowing 400 of 525 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/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9120642
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10198662
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11120165
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12112096
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/TitleTxt0BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7ASSOCIATE BOARD MEMBER NON VOTING MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8ASSOCIATE BOARD MEMBER NON VOTING MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11COO
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF LENDING
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt012917654
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0903186
IRS990/InsuranceGrp/TotalAmt047261
IRS990/InterestGrp/TotalAmt0986963
IRS990/InvestmentIncomeGrp/ExclusionAmt0448448
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0448448
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt011384313
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt021414706
IRS990/InvestmentsPubTradedSecGrp/BOYAmt06342526
IRS990/InvestmentsPubTradedSecGrp/EOYAmt018766219
IRS990/IRPDocumentCnt04371
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02853078
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06124202
IRS990/LandBldgEquipBasisNetGrp/EOYAmt07569159
IRS990/LandBldgEquipCostOrOtherBssAmt010422237
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO BUILD RELATIONSHIPS AND CULTIVATE FINANCIAL WELLNESS, EMPOWERING PEOPLE TO FOCUS ON WHAT MATTERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt021962180
IRS990/NetAssetsOrFundBalancesEOYAmt023512643
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0263556
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0302599
IRS990/OfficeExpensesGrp/TotalAmt0477762
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05187949
IRS990/OtherAssetsTotalGrp/EOYAmt05746527
IRS990/OtherChangesInNetAssetsAmt0-158393
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01061243
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2ATM EXPENSE
IRS990/OtherExpensesGrp/Desc3VISA/PLASTIC CARD EXPEN
IRS990/OtherExpensesGrp/TotalAmt01247283
IRS990/OtherExpensesGrp/TotalAmt1572871
IRS990/OtherExpensesGrp/TotalAmt2459483
IRS990/OtherExpensesGrp/TotalAmt3401128
IRS990/OtherLiabilitiesGrp/BOYAmt0167498023
IRS990/OtherLiabilitiesGrp/EOYAmt0206713708
IRS990/OtherRevenueMiscGrp/BusinessCd0520000
IRS990/OtherRevenueMiscGrp/Desc0FINANCE AND INSURANCE
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0219560
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0219560
IRS990/OtherRevenueTotalAmt0219560
IRS990/OtherSalariesAndWagesGrp/TotalAmt02894561
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0152891250
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0156782539
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt022090
IRS990/PayrollTaxesGrp/TotalAmt0276939
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0200680
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0742535
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0940310
IRS990/PrincipalOfficerNm0MATT LAHMAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07808824
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14440822
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07808824
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14440822
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 18,000 MEMBERS WITH CREDIT CARD, VEHICLE, REAL ESTATE, UNSECURED, BUSINESS AND LINE OF CREDIT LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER ATM & DEBIT CARD, CHECK CASHING, WIRE TRANSFER, COURTESY PAY, MONEY ORDERS, CASHIER CHECKS, ELECTRONIC BANKING, FINANCIAL COUNSELING, INVESTMENT AND INSURANCE PROGRAMS TO ALL ELIGIBLE MEMBERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0664290
IRS990/PYOtherExpensesAmt07351086
IRS990/PYOtherRevenueAmt0279426
IRS990/PYProgramServiceRevenueAmt011467198
IRS990/PYRevenuesLessExpensesAmt01031866
IRS990/PYSalariesCompEmpBnftPaidAmt04027962
IRS990/PYTotalExpensesAmt011379048
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012410914
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01533840
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01552846
IRS990/ReconcilationRevenueExpnssAmt01445300
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt021962180
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt023512643
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04343420
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017893646
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03587631
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01927316
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05514947
IRS990ScheduleD/EquipmentGrp/BookValueAmt0476413
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0925762
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01402175
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt011472354
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt03505115
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03505115
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0206713708
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0501536
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1498700
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2229200
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3185270
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt420000000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CUSO INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1ALLOYA PERPETUAL CONTRIBUTION
IRS990ScheduleD/OtherSecuritiesGrp/Desc2FHLB CAPITAL STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc3FHLB CMS ACCOUNT
IRS990ScheduleD/OtherSecuritiesGrp/Desc4CORPORATE CENTRAL CU LIBOR INV ACCOUNT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt012917654
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, BY STATUTE (IRC SECTION 501(C)(14), FROM FEDERAL AND STATE INCOME TAXES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07569159
IRS990ScheduleD/TotalBookValueSecuritiesAmt021414706
IRS990ScheduleD/TotalExpensesPerForm990Amt011472354
IRS990ScheduleD/TotalLiabilityAmt0206713708
IRS990ScheduleD/TotalRevenuePerForm990Amt012917654
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt012917654
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt011472354
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/DiscretionarySpendingAcctInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0161854
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount027808
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt015744
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt017710
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt09000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MATTHEW LAHMAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0232116
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0SAM'S CLUB MEMBERSHIP WITH 8 CARDS FOR THE MANAGEMENT TEAM. BRONSON ATHLETIC CLUB MEMBERSHIP, HEALTH CLUB MEMBERSHIP FOR MATT LAHMAN, PRESIDENT AND CEO.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1MATTHEW LAHMAN PARTICIPATED IN A SPLIT DOLLAR COLLATERAL INSURANCE SUPPLEMENTAL RETIREMENT PLAN. THE LOAN RELATED TO THIS PLAN IS REPORTED ON SCHEDULE L.

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$232,510,221
Liabilities
$208,997,578
Net assets
$23,512,643
Revenue
$12,917,654
Expenses
$11,472,354
Net income
$1,445,300
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
2020Detailed filing. Detailed filing data is available for this year.$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
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