Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2013 • EIN 38-1602298

Jan 01, 2013 to Dec 31, 2013 • Filed on Jun 16, 2014

Organization ProfileWWW.TBACU.COM

View Organization Page

PO Box 1049Traverse City, MI 49685-1049

(231) 946-7090

Siviq Scores

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

Liabilities / Assets

17th percentile

0.86x

Higher debt load relative to assets than 17% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

60th percentile

19.30x

Higher debt load relative to revenue than 60% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

91st percentile

24%

Higher net margin than 91% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

64th percentile

$219,584

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Asset Growth

24th percentile

0.4%

Faster asset growth than 24% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$160,011,259

Up $587,894 (+0.4%) from 2012

Net Assets

Up

$22,222,470

Up $1,717,708 (+8.4%) from 2012

Liabilities

Down

$137,788,789

Down $1,129,814 (-0.8%) from 2012

Revenue And Expenses
Liabilities / Revenue60th percentileNet Margin91st percentile

Revenue

$7,139,922

No earlier filing loaded for comparison.

Expenses

Up

$5,437,023

Up $151,070 (+2.9%) from 2012

Net Income

$1,702,899

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth24th percentile

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

$400M$300M$200M$100M$0Assets 2010: $139,597,783Liabilities 2010: $124,276,658Net Assets 2010: $15,321,1252010Assets 2011: $146,751,427Liabilities 2011: $128,570,536Net Assets 2011: $18,180,8912011Assets 2012: $159,423,365Liabilities 2012: $138,918,603Net Assets 2012: $20,504,7622012Assets 2013: $160,011,259Liabilities 2013: $137,788,789Net Assets 2013: $22,222,4702013Assets 2014: $179,863,612Liabilities 2014: $156,451,662Net Assets 2014: $23,411,9502014Assets 2015: $174,661,281Liabilities 2015: $148,561,563Net Assets 2015: $26,099,7182015Assets 2016: $191,325,200Liabilities 2016: $163,379,320Net Assets 2016: $27,945,8802016Assets 2017: $205,341,026Liabilities 2017: $175,753,465Net Assets 2017: $29,587,5612017Assets 2018: $218,594,615Liabilities 2018: $186,880,339Net Assets 2018: $31,714,2762018Assets 2019: $231,267,119Liabilities 2019: $197,448,074Net Assets 2019: $33,819,0452019Assets 2020: $279,941,839Liabilities 2020: $244,357,615Net Assets 2020: $35,584,2242020Assets 2021: $332,481,629Liabilities 2021: $293,226,049Net Assets 2021: $39,255,5802021Assets 2022: $344,647,354Liabilities 2022: $301,785,227Net Assets 2022: $42,862,1272022Assets 2023: $346,552,080Liabilities 2023: $299,684,699Net Assets 2023: $46,867,3812023Assets 2024: $368,914,484Liabilities 2024: $317,706,705Net Assets 2024: $51,207,7792024

Highlighted filing

2013

Assets$160,011,259
Liabilities$137,788,789
Net Assets$22,222,470
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0Expenses 2010: $6,892,8092010Expenses 2011: $5,733,1712011Expenses 2012: $5,285,9532012Revenue 2013: $7,139,922Expenses 2013: $5,437,023Net Income 2013: $1,702,8992013Revenue 2014: $7,674,136Expenses 2014: $5,921,444Net Income 2014: $1,752,6922014Revenue 2015: $7,691,815Expenses 2015: $6,075,377Net Income 2015: $1,616,4382015Revenue 2016: $8,488,205Expenses 2016: $6,648,154Net Income 2016: $1,840,0512016Revenue 2017: $9,171,648Expenses 2017: $7,517,735Net Income 2017: $1,653,9132017Revenue 2018: $10,364,334Expenses 2018: $8,213,505Net Income 2018: $2,150,8292018Revenue 2019: $10,899,094Expenses 2019: $8,842,554Net Income 2019: $2,056,5402019Revenue 2020: $11,309,058Expenses 2020: $9,643,221Net Income 2020: $1,665,8372020Revenue 2021: $11,959,829Expenses 2021: $8,343,991Net Income 2021: $3,615,8382021Revenue 2022: $12,556,006Expenses 2022: $9,525,692Net Income 2022: $3,030,3142022Revenue 2023: $17,795,248Expenses 2023: $12,527,027Net Income 2023: $5,268,2212023Revenue 2024: $20,758,463Expenses 2024: $16,169,434Net Income 2024: $4,589,0292024

Highlighted filing

2013

Revenue$7,139,922
Expenses$5,437,023
Net Income$1,702,899
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jun 16, 2014
Return Version
2013v3.0
Gross Receipts
$7,875,976
Mission and Program Overview

Mission

To serve the community and build trusted relationships.

To provide financial services to member owners with a common bond

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$108,976,100$111,577,295▲ $2,601,195
Investments Other Securities$28,159,850$27,288,953▼ $870,897
Rtn Earn Endowment Incm Other Fnds$20,504,762$22,222,470▲ $1,717,708
Investments Program Related$12,555,735$9,346,760▼ $3,208,975
Land, Buildings, and Equipment, Net$5,465,657$6,115,576▲ $649,919
Cash and Non-Interest-Bearing Accounts$1,168,393$980,442▼ $187,951
Prepaid Expenses and Deferred Charges$57,440$198,200▲ $140,760
Accounts Receivable$758,054$127,074▼ $630,980
Savings and Temporary Cash Investments$11,679$10,907▼ $772
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$159,423,365$160,011,259▲ $587,894
Other Assets Total$2,270,457$4,366,052▲ $2,095,595
Liabilities
Other Liabilities$136,377,037$134,094,947▼ $2,282,090
Accounts Payable and Accrued Expenses$2,541,566$3,693,842▲ $1,152,276
Total Liabilities$138,918,603$137,788,789▼ $1,129,814
Net Assets / Fund Balance
Total Net Assets Fund Balance$20,504,762$22,222,470▲ $1,717,708
Total Liabilities and Net Assets / Fund Balance$159,423,365$160,011,259▲ $587,894

Asset Categories

AssetBook ValueDepreciationBasis
Land$3,444,152-$3,444,152
Buildings$1,532,337$955,653$2,487,990
Equipment$402,691$614,831$1,017,522
Other Land Buildings$736,396$0$736,396
Investment Program Related Org$9,346,760--
Leasehold Improvements$0$0$0
Other Securities$83,950--
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Karen E BrownePresident/CEOFT$139,983$79,601$219,584
Scott M WillmottCFO until 8/31/13FT$57,640$13,224$70,864
Robin WybengaCFO from 9/15/13FT$21,239$180$21,419

Board Members and Trustees

NameTitle
Katherine Walker-TelmaChairperson
Stephen MertenVice Chairperson
Robert WitkopDirector
Adam BevierDirector from 10/13
Eric DreierDirector from 8/13
Douglas SchroederDirector until 10/13
Cindy BerckDirector until 4/13
Robert WarnerSecretary
Kathleen Maisonville-DouglasTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,757,934
Investment Income
$381,988
Other Revenue
$0
Change in Net Assets
$1,702,899

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,199,575
Revenue Not Reported on Financial Statements
$-59,653
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-59,653
Total Revenue per Audited Statements
$7,199,575
Total Revenue per Form 990
$7,139,922
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,150,547
Salaries, Compensation, and Employee Benefits$2,286,476
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,462,991
Office Expenses---$536,279
Interest---$488,276
Current Officers, Directors, Trustees, and Key Employees---$311,867
Occupancy---$278,177
Pension Plan Contributions---$209,708
Depreciation Depletion---$187,822
Insurance---$184,015
Information Technology---$179,126
Advertising---$175,635
Other Employee Benefits---$173,275
Payroll Taxes---$128,635
Fees for Services Other---$109,104
Other Expenses---$40,870
Conferences and Meetings---$30,708
All Other Expenses---$22,546
Fees for Services Accounting---$21,473
Travel---$20,969
Fees for Services Legal---$19,097
Total Functional Expenses$0$0$0$5,437,023

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$5,495,220
Expenses per Audited Statements$5,437,023
Total Expenses per Form 990$5,437,023
Expenses Not Reported on Form 990$58,197
Expenses Not Reported on Financial Statements$0
Other Expense Adjustments$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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$134,094,947
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
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
No
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

“The Board of Directors are elected by the membership at the Annual Meeting. Each Board member is elected for a three year term.”

Form 990, Part VI, Section A, Line 7B

“Credit Union decisions that are subject to membership approval are by-law changes.”

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

“The Form 990 is presented at a Board of Directors meeting prior to submission to the IRS.”

Form 990, Part VI, Section B, Line 15

“The Board of Director's Compensation Committee completes a performance appraisal of the President/CEO annually. Salary increases are based on performance of pre-determined goals and company financial targets. The President/CEO performs annual evaluations of the Chief Financial Officer. Salary increases are based on overall performance. Both review processes were completed in 2013.”

Form 990, Part VI, Section C, Line 19

“Financial Statements are posted in the Credit Union lobby. Other documents and policies are available for review upon request.”

Filing and Contact Details

Filer

EIN
38-1602298
Phone
2319467090

Signing Officer

Name
Karen E Browne
Title
President/CEO
Phone
2319467090
Signed
2014-06-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Karen E Browne
Formed
1955
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
52
Volunteers
9

Preparer

Preparer
Denise Luckenbacher
Phone
5862961155
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Membership Fees: $14,809.”

Financial Statement Notes

Schedule D, Part XI, Line 4B

“Loss on Sale of Other Real Estate Owned shown as income on 990, Expense on Financial Statements: $ -59,654: Rounding: $ 1. Total to Schedule D, Part XI, Line 4b: $ -59,653.”

Schedule D, Part XII, Line 2D

“Loss on Sale of Other real Estate Owned as Income on 990, expense on Financial Statements: $ 59,654: Post Retirement Adjustment on Audited Financial Statements: $ -1,457; Total to Schedule D, Part XII, Line 2d: $ 58,197.”

Raw XML AppendixShowing 400 of 513 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/PersonNm2Stephen Merten
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IRS990/Form990PartVIISectionAGrp/PersonNm4Robert Warner
IRS990/Form990PartVIISectionAGrp/PersonNm5Douglas Schroeder
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IRS990/Form990PartVIISectionAGrp/PersonNm7Adam Bevier
IRS990/Form990PartVIISectionAGrp/PersonNm8Eric Dreier
IRS990/Form990PartVIISectionAGrp/PersonNm9Karen E Browne
IRS990/Form990PartVIISectionAGrp/PersonNm10Scott M Willmott
IRS990/Form990PartVIISectionAGrp/PersonNm11Robin Wybenga
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director until 4/13
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director until 10/13
IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director from 10/13
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director from 8/13
IRS990/Form990PartVIISectionAGrp/TitleTxt9President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO until 8/31/13
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO from 9/15/13
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IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0The Credit Union is committed to serving the community by building trusted relationships, providing customized financial products, advocating financial literacy and encouraging volunteerism.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt020504762
IRS990/NetAssetsOrFundBalancesEOYAmt022222470
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-59654
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-59654
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-36228
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0278177
IRS990/OfficeExpensesGrp/TotalAmt0536279
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02270457
IRS990/OtherAssetsTotalGrp/EOYAmt04366052
IRS990/OtherChangesInNetAssetsAmt014809
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0173275
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2Miscellaneous Expense
IRS990/OtherExpensesGrp/Desc3Examination Fee
IRS990/OtherExpensesGrp/TotalAmt0632797
IRS990/OtherExpensesGrp/TotalAmt1176436
IRS990/OtherExpensesGrp/TotalAmt247217
IRS990/OtherExpensesGrp/TotalAmt340870
IRS990/OtherLiabilitiesGrp/BOYAmt0136377037
IRS990/OtherLiabilitiesGrp/EOYAmt0134094947
IRS990/OtherOrganizationDsc0Credit Union
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IRS990/OtherSalariesAndWagesGrp/TotalAmt01462991
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0108976100
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0111577295
IRS990/PartialLiquidationInd00
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IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0209708
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt057440
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0198200
IRS990/PrincipalOfficerNm0Karen E Browne
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05382203
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11329504
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05382203
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11375731
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt146227
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide 9,687 loans including vehicle, overdraft protection, mortgage, home equity, signature, credit card and recreational vehicle loans.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt00
IRS990/ProgSrvcAccomActy3Grp/Desc0Offer automated teller machines, debit cards, money orders, safe deposit boxes, bill payment, travelers checks and various insurance programs.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0441731
IRS990/PYOtherExpensesAmt03177285
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt07083930
IRS990/PYRevenuesLessExpensesAmt02239708
IRS990/PYSalariesCompEmpBnftPaidAmt02108668
IRS990/PYTotalExpensesAmt05285953
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07525661
IRS990/ReconcilationRevenueExpnssAmt01702899
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt020504762
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt022222470
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011679
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010907
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01532337
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0955653
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02487990
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0402691
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0614831
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01017522
IRS990ScheduleD/ExpensesNotReportedAmt058197
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt05437023
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt09346760
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Corporate Credit Unions
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt03444152
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03444152
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt058197
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0736396
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0736396
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0134094947
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-59653
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt022863000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1427500
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2100
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt35000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt495000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt53814403
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt683950
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Certificates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/Desc1FHLB Capital Stock
IRS990ScheduleD/OtherSecuritiesGrp/Desc2Co-Op Network Stock
IRS990ScheduleD/OtherSecuritiesGrp/Desc3Xtend Stock
IRS990ScheduleD/OtherSecuritiesGrp/Desc4CU*Answers Investments
IRS990ScheduleD/OtherSecuritiesGrp/Desc5Other Investments
IRS990ScheduleD/OtherSecuritiesGrp/Desc6CUSG Shares
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd6C
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IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-59653
IRS990ScheduleD/RevenueSubtotalAmt07199575
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Loss on Sale of Other Real Estate Owned shown as income on 990, Expense on Financial Statements: $ -59,654: Rounding: $ 1. Total to Schedule D, Part XI, Line 4b: $ -59,653.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1Loss on Sale of Other real Estate Owned as Income on 990, expense on Financial Statements: $ 59,654: Post Retirement Adjustment on Audited Financial Statements: $ -1,457; Total to Schedule D, Part XII, Line 2d: $ 58,197.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part XI, Line 4b
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Schedule D, Part XII, Line 2d
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06115576
IRS990ScheduleD/TotalBookValueProgramRltdAmt09346760
IRS990ScheduleD/TotalBookValueSecuritiesAmt027288953
IRS990ScheduleD/TotalExpensesPerForm990Amt05437023
IRS990ScheduleD/TotalLiabilityAmt0134094947
IRS990ScheduleD/TotalRevenuePerForm990Amt07139922
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt07199575
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt05495220
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0139983
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount023500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt034585

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$160,011,259
Liabilities
$137,788,789
Net assets
$22,222,470
Revenue
$7,139,922
Expenses
$5,437,023
Net income
$1,702,899
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$369$318$51.2$20.8$16.2$4.59
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$347$300$46.9$17.8$12.5$5.27
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$345$302$42.9$12.6$9.53$3.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$332$293$39.3$12.0$8.34$3.62
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$280$244$35.6$11.3$9.64$1.67
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$231$197$33.8$10.9$8.84$2.06
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$219$187$31.7$10.4$8.21$2.15
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$205$176$29.6$9.17$7.52$1.65
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$191$163$27.9$8.49$6.65$1.84
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$175$149$26.1$7.69$6.08$1.62
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$180$156$23.4$7.67$5.92$1.75
2013Detailed filing. Detailed filing data is available for this year.$160$138$22.2$7.14$5.44$1.70
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$159$139$20.5$5.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$147$129$18.2$5.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$140$124$15.3$6.89
Peer Organizations

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