Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2013 • EIN 38-1644983

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 04, 2014

Organization ProfileWWW.TCCU.US

View Organization Page

25155 Goddard RdTaylor, MI 48180

(800) 291-3003

Siviq Scores

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

Liabilities / Assets

88th percentile

0.92x

Higher debt load relative to assets than 88% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

55th percentile

18.90x

Higher debt load relative to revenue than 55% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

23rd percentile

2.7%

Higher net margin than 23% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

63rd percentile

$141,777

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 5.3% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

67th percentile

4.0%

Faster asset growth than 67% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M 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 / Assets88th percentile

Assets

Up

$54,937,055

Up $2,122,896 (+4.0%) from 2012

Net Assets

Down

$4,420,717

Down $409,453 (-8.5%) from 2012

Liabilities

Up

$50,516,338

Up $2,532,349 (+5.3%) from 2012

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin23rd percentile

Revenue

$2,672,705

No earlier filing loaded for comparison.

Expenses

Down

$2,599,784

Down $82,149 (-3.1%) from 2012

Net Income

$72,921

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth67th percentile

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

$150M$100M$50M$0Assets 2010: $46,337,035Liabilities 2010: $41,935,160Net Assets 2010: $4,401,8752010Assets 2011: $49,209,946Liabilities 2011: $44,912,672Net Assets 2011: $4,297,2742011Assets 2012: $52,814,159Liabilities 2012: $47,983,989Net Assets 2012: $4,830,1702012Assets 2013: $54,937,055Liabilities 2013: $50,516,338Net Assets 2013: $4,420,7172013Assets 2014: $57,571,509Liabilities 2014: $53,047,848Net Assets 2014: $4,523,6612014Assets 2015: $59,384,250Liabilities 2015: $54,940,169Net Assets 2015: $4,444,0812015Assets 2016: $62,384,588Liabilities 2016: $57,583,148Net Assets 2016: $4,801,4402016Assets 2017: $64,822,938Liabilities 2017: $59,616,167Net Assets 2017: $5,206,7712017Assets 2018: $66,761,800Liabilities 2018: $60,830,374Net Assets 2018: $5,931,4262018Assets 2019: $71,206,658Liabilities 2019: $63,762,881Net Assets 2019: $7,443,7772019Assets 2020: $88,488,211Liabilities 2020: $79,912,276Net Assets 2020: $8,575,9352020Assets 2021: $99,005,378Liabilities 2021: $89,871,178Net Assets 2021: $9,134,2002021Assets 2022: $98,918,041Liabilities 2022: $91,959,054Net Assets 2022: $6,958,9872022Assets 2023: $98,616,930Liabilities 2023: $88,996,503Net Assets 2023: $9,620,4272023Assets 2024: $100,755,781Liabilities 2024: $88,726,804Net Assets 2024: $12,028,9772024

Highlighted filing

2013

Assets$54,937,055
Liabilities$50,516,338
Net Assets$4,420,717
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $3,158,3712010Expenses 2011: $2,822,9522011Expenses 2012: $2,681,9332012Revenue 2013: $2,672,705Expenses 2013: $2,599,784Net Income 2013: $72,9212013Revenue 2014: $2,585,195Expenses 2014: $2,555,405Net Income 2014: $29,7902014Revenue 2015: $2,770,690Expenses 2015: $2,645,468Net Income 2015: $125,2222015Revenue 2016: $2,985,759Expenses 2016: $2,781,376Net Income 2016: $204,3832016Revenue 2017: $3,118,645Expenses 2017: $2,670,210Net Income 2017: $448,4352017Revenue 2018: $3,605,332Expenses 2018: $2,633,358Net Income 2018: $971,9742018Revenue 2019: $3,927,374Expenses 2019: $2,887,066Net Income 2019: $1,040,3082019Revenue 2020: $3,883,019Expenses 2020: $2,881,889Net Income 2020: $1,001,1302020Revenue 2021: $4,019,004Expenses 2021: $2,917,659Net Income 2021: $1,101,3452021Revenue 2022: $4,439,149Expenses 2022: $3,233,987Net Income 2022: $1,205,1622022Revenue 2023: $5,537,345Expenses 2023: $3,755,114Net Income 2023: $1,782,2312023Revenue 2024: $6,386,205Expenses 2024: $4,516,842Net Income 2024: $1,869,3632024

Highlighted filing

2013

Revenue$2,672,705
Expenses$2,599,784
Net Income$72,921
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 4, 2014
Return Version
2013v3.0
Gross Receipts
$5,863,118
Mission and Program Overview

Mission

To provide competitive deposit and loan products to the membership base according to the michigan credit union act.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$26,998,620$28,637,634▲ $1,639,014
Other Notes and Loans Receivable, Net$16,221,265$16,130,197▼ $91,068
Savings and Temporary Cash Investments$6,244,089$6,568,275▲ $324,186
Rtn Earn Endowment Incm Other Fnds$4,830,170$4,420,717▼ $409,453
Cash and Non-Interest-Bearing Accounts$1,264,089$1,360,702▲ $96,613
Land, Buildings, and Equipment, Net$322,470$340,871▲ $18,401
Accounts Receivable$454,795$230,625▼ $224,170
Prepaid Expenses and Deferred Charges$90,415$85,989▼ $4,426
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$52,814,159$54,937,055▲ $2,122,896
Other Assets Total$1,218,416$1,582,762▲ $364,346
Liabilities
Other Liabilities$47,491,048$50,133,475▲ $2,642,427
Accounts Payable and Accrued Expenses$492,941$382,863▼ $110,078
Total Liabilities$47,983,989$50,516,338▲ $2,532,349
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,830,170$4,420,717▼ $409,453
Total Liabilities and Net Assets / Fund Balance$52,814,159$54,937,055▲ $2,122,896

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$92,793$1,003,220$1,096,013
Equipment$66,735$633,193$699,928
Buildings$0$657,380$657,380
Leasehold Improvements$48,402$219,643$268,045
Land$132,941-$132,941
Other Securities$28,637,634--
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Philip MatousPresidentFT$123,504$18,273$141,777
Theresa WrightVice-presidentFT$76,683$18,669$95,352
Kathleen AndoAccounting ManagerFT$60,024$17,645$77,669

Board Members and Trustees

NameTitle
Robert MerrimanChairperson
Ronald BrittVice-chairperson
Dawn Fuhrman Left 31013Director
Donald MyersDirector
Gerald ThomasDirector
Wayne AveryDirector
ANNETTE O'CONNELLCredit Committee
John DanielCredit Committee
Gail CastleSecretary
Charles JonesSupervisory Committee
John DeloSupervisory Committee
Nancy MyersSupervisory Committee
Kenneth NelsonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,000,147
Investment Income
$623,203
Other Revenue
$49,355
Change in Net Assets
$72,921
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,358,451
Salaries, Compensation, and Employee Benefits$1,241,333
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$610,977
Office Expenses---$417,420
Current Officers, Directors, Trustees, and Key Employees---$314,798
Other Employee Benefits---$210,448
Occupancy---$75,852
Payroll Taxes---$75,668
Fees for Services Accounting---$62,935
Fees for Services Other---$51,451
All Other Expenses---$50,485
Insurance---$45,925
Advertising---$44,134
Depreciation Depletion---$34,936
Interest---$30,331
Other Expenses---$30,045
Pension Plan Contributions---$29,442
Conferences and Meetings---$20,123
Total Functional Expenses$0$0$0$2,599,784
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$49,322,890
Deferred Compensation$746,480
Other Accrued Liabilities$64,105
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Other officer compensation reviewed
No
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

“Every individual that has an account with our credit union is considered a member.”

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

“Credit union members elect members of the governing body each year at the annual meeting.”

Form 990, Part VI, Section B, Line 11

“No, the organization's governing body did not receive a copy of the form 990 before it was filed. The form 990 is reviewed by the accounting manager prior to filing.”

Form 990, Part VI, Section C, Line 19

“The organization makes it's form 990 available to the public upon request. Financial statements are posted each month on a board in our lobby available to the public.”

Filing and Contact Details

Filer

EIN
38-1644983
Phone
8002913003

Signing Officer

Name
Phillip Matous
Title
President
Phone
8002913003
Signed
2014-11-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Merriman
Formed
1960
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
24
Volunteers
13

Preparer

Preparer
Joseph Zito CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net unrealized loss on sfas no. 158 -15,072.”

FORM 990, PART XII, LINE 2B:

“Audited financial statements are prepared on a fiscal year basis but tax reporting is required on a calendar year-end.”

Raw XML AppendixShowing 400 of 435 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0492941
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IRS990/AccountsReceivableGrp/EOYAmt0230625
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE COMPETITIVE DEPOSIT AND LOAN PRODUCTS TO THE MEMBERSHIP BASE ACCORDING TO THE MICHIGAN CREDIT UNION ACT.
IRS990/AdvertisingGrp/TotalAmt044134
IRS990/AllOtherExpensesGrp/TotalAmt050485
IRS990/AnnualDisclosureCoveredPrsnInd01
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IRS990/BooksInCareOfDetail/USAddress/City0TAYLOR
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IRS990/Form990PartVIISectionAGrp/PersonNm2KENNETH NELSON
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IRS990/Form990PartVIISectionAGrp/PersonNm4GERALD THOMAS
IRS990/Form990PartVIISectionAGrp/PersonNm5WAYNE AVERY
IRS990/Form990PartVIISectionAGrp/PersonNm6DAWN FUHRMAN LEFT 31013
IRS990/Form990PartVIISectionAGrp/PersonNm7JOHN DANIEL
IRS990/Form990PartVIISectionAGrp/PersonNm8ANNETTE O'CONNELL
IRS990/Form990PartVIISectionAGrp/PersonNm9CHARLES JONES
IRS990/Form990PartVIISectionAGrp/PersonNm10JOHN DELO
IRS990/Form990PartVIISectionAGrp/PersonNm11DONALD MYERS
IRS990/Form990PartVIISectionAGrp/PersonNm12NANCY MYERS
IRS990/Form990PartVIISectionAGrp/PersonNm13PHILIP MATOUS
IRS990/Form990PartVIISectionAGrp/PersonNm14THERESA WRIGHT
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IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CREDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt8CREDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt13PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt14VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt15ACCOUNTING MANAGER
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/LoanOutstandingInd00
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IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE COMPETITIVE DEPOSIT AND LOAN PRODUCTS TO THE MEMBERSHIP BASE ACCORDING TO THE MICHIGAN CREDIT UNION ACT.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt04830170
IRS990/NetAssetsOrFundBalancesEOYAmt04420717
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0124085
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0124085
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-467302
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt075852
IRS990/OfficeExpensesGrp/TotalAmt0417420
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01218416
IRS990/OtherAssetsTotalGrp/EOYAmt01582762
IRS990/OtherChangesInNetAssetsAmt0-15072
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0210448
IRS990/OtherExpensesGrp/Desc0DATA PROCESSING EXPENSE
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2EDUCATION EXPENSES
IRS990/OtherExpensesGrp/Desc3NCUA INSURANCE
IRS990/OtherExpensesGrp/TotalAmt0237999
IRS990/OtherExpensesGrp/TotalAmt1226130
IRS990/OtherExpensesGrp/TotalAmt230685
IRS990/OtherExpensesGrp/TotalAmt330045
IRS990/OtherLiabilitiesGrp/BOYAmt047491048
IRS990/OtherLiabilitiesGrp/EOYAmt050133475
IRS990/OtherRevenueMiscGrp/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2525990
IRS990/OtherRevenueMiscGrp/Desc0INSURANCE PRODUCTS
IRS990/OtherRevenueMiscGrp/Desc1MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/Desc2ATM NON-MEMBER FEES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt011216
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt034523
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt111216
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt23616
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt034523
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt13616
IRS990/OtherRevenueTotalAmt049355
IRS990/OtherSalariesAndWagesGrp/TotalAmt0610977
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt016221265
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt016130197
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt075668
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt029442
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt090415
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt085989
IRS990/PrincipalOfficerNm0ROBERT MERRIMAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01108657
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1891490
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01108657
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1891490
IRS990/ProgSrvcAccomActy2Grp/Desc0ATM
IRS990/ProgSrvcAccomActy3Grp/Desc0SERVICE CENTER
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0739854
IRS990/PYOtherExpensesAmt01449502
IRS990/PYOtherRevenueAmt036524
IRS990/PYProgramServiceRevenueAmt02039094
IRS990/PYRevenuesLessExpensesAmt0133539
IRS990/PYSalariesCompEmpBnftPaidAmt01232431
IRS990/PYTotalExpensesAmt02681933
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02815472
IRS990/ReconcilationRevenueExpnssAmt072921
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04830170
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04420717
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06244089
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06568275
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0657380
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0657380
IRS990ScheduleD/EquipmentGrp/BookValueAmt066735
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0633193
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0699928
IRS990ScheduleD/LandGrp/BookValueAmt0132941
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0132941
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt048402
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0219643
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0268045
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt092793
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt01003220
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01096013
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt049322890
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt164105
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2746480
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OTHER ACCRUED LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2DEFERRED COMPENSATION
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt028637634
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CORPORATE BONDS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0340871
IRS990ScheduleD/TotalBookValueSecuritiesAmt028637634
IRS990ScheduleD/TotalLiabilityAmt050133475
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EVERY INDIVIDUAL THAT HAS AN ACCOUNT WITH OUR CREDIT UNION IS CONSIDERED A MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION MEMBERS ELECT MEMBERS OF THE GOVERNING BODY EACH YEAR AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO, THE ORGANIZATION'S GOVERNING BODY DID NOT RECEIVE A COPY OF THE FORM 990 BEFORE IT WAS FILED. THE FORM 990 IS REVIEWED BY THE ACCOUNTING MANAGER PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION MAKES IT'S FORM 990 AVAILABLE TO THE PUBLIC UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED EACH MONTH ON A BOARD IN OUR LOBBY AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NET UNREALIZED LOSS ON SFAS NO. 158 -15,072.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5AUDITED FINANCIAL STATEMENTS ARE PREPARED ON A FISCAL YEAR BASIS BUT 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 C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XII, LINE 2B:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt052814159
IRS990/TotalAssetsEOYAmt054937055
IRS990/TotalAssetsGrp/BOYAmt052814159
IRS990/TotalAssetsGrp/EOYAmt054937055
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt024
IRS990/TotalFunctionalExpensesGrp/TotalAmt02599784
IRS990/TotalGrossUBIAmt038139
IRS990/TotalLiabilitiesBOYAmt047983989
IRS990/TotalLiabilitiesEOYAmt050516338
IRS990/TotalLiabilitiesGrp/BOYAmt047983989
IRS990/TotalLiabilitiesGrp/EOYAmt050516338
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04830170
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04420717
IRS990/TotalOtherCompensationAmt054587
IRS990/TotalProgramServiceRevenueAmt02000147
IRS990/TotalReportableCompFromOrgAmt0260211
IRS990/TotalRevenueGrp/ExclusionAmt0623203
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02011363
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02672705
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt038139
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt052814159
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt054937055
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$54,937,055
Liabilities
$50,516,338
Net assets
$4,420,717
Revenue
$2,672,705
Expenses
$2,599,784
Net income
$72,921
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$101$88.7$12.0$6.39$4.52$1.87
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$98.6$89.0$9.62$5.54$3.76$1.78
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$98.9$92.0$6.96$4.44$3.23$1.21
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$99.0$89.9$9.13$4.02$2.92$1.10
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$88.5$79.9$8.58$3.88$2.88$1.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.2$63.8$7.44$3.93$2.89$1.04
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$66.8$60.8$5.93$3.61$2.63$0.97
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$64.8$59.6$5.21$3.12$2.67$0.45
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$62.4$57.6$4.80$2.99$2.78$0.20
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$59.4$54.9$4.44$2.77$2.65$0.13
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$57.6$53.0$4.52$2.59$2.56$0.03
2013Detailed filing. Detailed filing data is available for this year.$54.9$50.5$4.42$2.67$2.60$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.8$48.0$4.83$2.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.2$44.9$4.30$2.82
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.3$41.9$4.40$3.16