Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2018 • EIN 38-1686050

Jan 01, 2018 to Dec 31, 2018 • Filed on Oct 17, 2019

Organization ProfileWWW.ADVIACU.ORG

View Organization Page

550 S Riverview DriveParchment, MI 49004

(269) 382-9845

Siviq Scores

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

Liabilities / Assets

64th percentile

0.90x

Higher debt load relative to assets than 64% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Liabilities / Revenue

18th percentile

15.23x

Higher debt load relative to revenue than 18% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Net Margin

5th percentile

8.9%

Higher net margin than 5% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Top Officer Pay

78th percentile

$1,258,843

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Asset Growth

30th percentile

3.9%

Faster asset growth than 30% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Revenue Growth

26th percentile

11%

Faster revenue growth than 26% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$1,749,022,744

Up $65,063,873 (+3.9%) from 2017

Net Assets

Up

$176,268,066

Up $8,290,294 (+4.9%) from 2017

Liabilities

Up

$1,572,754,678

Up $56,773,579 (+3.7%) from 2017

Revenue And Expenses
Liabilities / Revenue18th percentileNet Margin5th percentile

Revenue

Up

$103,296,533

Up $9,993,439 (+11%) from 2017

Expenses

Up

$94,062,565

Up $13,468,527 (+17%) from 2017

Net Income

Down

$9,233,968

Down $3,475,088 (-27%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth30th percentile

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

$4.0B$3.0B$2.0B$1.0B$0Assets 2010: $221,263,524Liabilities 2010: $202,319,102Net Assets 2010: $18,944,4222010Assets 2011: $244,582,475Liabilities 2011: $222,793,566Net Assets 2011: $21,788,9092011Assets 2012: $264,059,441Liabilities 2012: $236,618,164Net Assets 2012: $27,441,2772012Assets 2013: $275,995,408Liabilities 2013: $248,749,321Net Assets 2013: $27,246,0872013Assets 2014: $1,086,987,705Liabilities 2014: $957,257,844Net Assets 2014: $129,729,8612014Assets 2015: $1,184,075,054Liabilities 2015: $1,044,831,277Net Assets 2015: $139,243,7772015Assets 2016: $1,347,691,760Liabilities 2016: $1,197,264,593Net Assets 2016: $150,427,1672016Assets 2017: $1,683,958,871Liabilities 2017: $1,515,981,099Net Assets 2017: $167,977,7722017Assets 2018: $1,749,022,744Liabilities 2018: $1,572,754,678Net Assets 2018: $176,268,0662018Assets 2019: $2,084,525,233Liabilities 2019: $1,891,291,454Net Assets 2019: $193,233,7792019Assets 2020: $2,425,158,521Liabilities 2020: $2,206,779,831Net Assets 2020: $218,378,6902020Assets 2021: $2,694,606,066Liabilities 2021: $2,452,064,821Net Assets 2021: $242,541,2452021Assets 2022: $2,892,338,087Liabilities 2022: $2,650,318,240Net Assets 2022: $242,019,8472022Assets 2023: $2,987,053,945Liabilities 2023: $2,713,958,533Net Assets 2023: $273,095,4122023Assets 2024: $3,443,898,869Liabilities 2024: $3,146,646,222Net Assets 2024: $297,252,6472024

Highlighted filing

2018

Assets$1,749,022,744
Liabilities$1,572,754,678
Net Assets$176,268,066
Open 2018 Filing

Operations Trend

Revenue Growth26th percentile

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

$300M$200M$100M$0Expenses 2010: $18,867,4432010Expenses 2011: $13,742,8562011Expenses 2012: $12,366,2322012Revenue 2013: $16,624,567Expenses 2013: $15,113,719Net Income 2013: $1,510,8482013Revenue 2014: $56,812,837Expenses 2014: $52,779,984Net Income 2014: $4,032,8532014Revenue 2015: $65,178,226Expenses 2015: $54,195,375Net Income 2015: $10,982,8512015Revenue 2016: $73,790,081Expenses 2016: $62,247,562Net Income 2016: $11,542,5192016Revenue 2017: $93,303,094Expenses 2017: $80,594,038Net Income 2017: $12,709,0562017Revenue 2018: $103,296,533Expenses 2018: $94,062,565Net Income 2018: $9,233,9682018Revenue 2019: $113,766,194Expenses 2019: $99,620,913Net Income 2019: $14,145,2812019Revenue 2020: $119,439,670Expenses 2020: $101,627,456Net Income 2020: $17,812,2142020Revenue 2021: $117,215,527Expenses 2021: $85,384,828Net Income 2021: $31,830,6992021Revenue 2022: $137,191,450Expenses 2022: $105,425,178Net Income 2022: $31,766,2722022Revenue 2023: $183,144,775Expenses 2023: $148,159,132Net Income 2023: $34,985,6432023Revenue 2024: $216,111,117Expenses 2024: $194,591,712Net Income 2024: $21,519,4052024

Highlighted filing

2018

Revenue$103,296,533
Expenses$94,062,565
Net Income$9,233,968
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Oct 17, 2019
Return Version
2018v3.1
Gross Receipts
$104,212,623
Mission and Program Overview

Mission

Provide competitive deposit and loan products to our membership base.

To provide financial advantages to our members through the offering of a full range of financial products and services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,368,899,779$1,397,015,845▲ $28,116,066
Rtn Earn Endowment Incm Other Fnds$167,977,772$176,268,066▲ $8,290,294
Investments in Publicly Traded Securities$105,696,911$114,141,751▲ $8,444,840
Savings and Temporary Cash Investments$48,498,949$90,794,313▲ $42,295,364
Investments Other Securities$63,013,095$42,406,176▼ $20,606,919
Land, Buildings, and Equipment, Net$28,843,403$28,955,959▲ $112,556
Cash and Non-Interest-Bearing Accounts$17,056,505$20,755,157▲ $3,698,652
Intangible Assets$18,463,102$17,339,016▼ $1,124,086
Receivables From Officers Etc$8,571,565$9,683,317▲ $1,111,752
Accounts Receivable-$2,932,904-
Prepaid Expenses and Deferred Charges$2,634,156$2,287,721▼ $346,435
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,683,958,871$1,749,022,744▲ $65,063,873
Other Assets Total$22,281,406$22,710,585▲ $429,179
Liabilities
Other Liabilities$1,392,101,229$1,493,163,602▲ $101,062,373
Mortgage Notes Payable Secured by Investment Property$107,096,340$60,300,000▼ $46,796,340
Accounts Payable and Accrued Expenses$16,783,530$19,291,076▲ $2,507,546
Total Liabilities$1,515,981,099$1,572,754,678▲ $56,773,579
Net Assets / Fund Balance
Total Net Assets Fund Balance$167,977,772$176,268,066▲ $8,290,294
Total Liabilities and Net Assets / Fund Balance$1,683,958,871$1,749,022,744▲ $65,063,873

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$16,206,051$5,786,680$21,992,731
Equipment$5,860,574$11,237,068$17,097,642
Land$6,182,167-$6,182,167
Leasehold Improvements$707,167$217,632$924,799
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cheryl KoncsolPresident/CEOFT$569,233$689,610$1,258,843
Kristin MarschnerEvp of Risk ManageFT$205,032$226,980$432,012
Jeffrey FielderEvp of FinanceFT$222,440$156,196$378,636
Raymond BlackEvp of Member Service & MaFT$199,039$124,872$323,911
Timothy MerwinEvp of LendingFT$186,673$119,665$306,338
Thomas OehlerVP of Commercial LendingFT$177,246$95,325$272,571
Steven KlitzingRegional Vice PresidnetFT$167,236$82,500$249,736
Marion BrennerVP of Branch Experience SuFT$139,037$83,584$222,621
Linden Buck IiVP of Indirect RelationshiFT$110,490$101,029$211,519
James HoustonRegional Vice PresidnetFT$141,001$68,503$209,504
Donna KalmetaSecretary/bod-$7,553-$7,553

Board Members and Trustees

NameTitle
Marty DoornChairman/bod
Nicole KalmbachV. Chair/bod
Mike SegalDirector
Rich SeimDirector
Julie BirmanDirector/bod
Danielle StreedTreasurer/bod

Highest Paid Contractors

ContractorServicesLocationCompensation
James And Matthew CompanyMarketing & Printing Exp2 SHAKER RD STE D220, Shirley, MA 01464$1,672,070
Jack Henry & Associates INCSoftware ProviderPO BOX 609, Monett, MO 65708$1,242,327
Commercial ContractorsBuilding Contractors16745 COMSTOCK STREET, Grand Haven, MI 49417$1,223,015
Q2 E BankingSoftware ProviderPO BOX 205970, Dallas, TX 75320$1,034,924
Lending Solutions ConsultingLending Services2200 POINT BLVD, Elgin, IL 60123$953,381
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$98,634,642
Investment Income
$4,661,891
Other Revenue
$0
Change in Net Assets
$9,233,968

Audited Revenue Reconciliation

Revenue per Audited Statements
$103,296,533
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$103,296,533
Total Revenue per Form 990
$103,296,533
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$55,163,909
Salaries, Compensation, and Employee Benefits$38,898,656
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$27,742,647
Interest---$13,648,017
Office Expenses---$8,102,343
Other Employee Benefits---$4,065,018
Information Technology---$3,515,987
Depreciation Depletion---$3,337,021
Current Officers, Directors, Trustees, and Key Employees---$2,707,293
Occupancy---$2,608,425
Advertising---$2,488,280
Pension Plan Contributions---$2,271,322
Payroll Taxes---$2,112,376
Other Expenses---$2,101,253
All Other Expenses---$1,816,319
Travel---$677,054
Fees for Services Legal---$436,932
Fees for Services Management---$299,462
Insurance---$277,611
Fees for Services Other---$245,825
Payments to Affiliates---$89,731
Fees for Services Accounting---$67,821
Fees for Service Investment Mgmnt Fees---$42,051
Total Functional Expenses$0$0$0$94,062,565

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$94,062,565
Total Expenses per Audited Statements$94,062,565
Total Expenses per Form 990$94,062,565
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$8,571,565$9,683,317▲ $1,111,752
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Money Market$426,713,220
Certificates$400,180,338
Share Draft$337,752,326
Savings and Club$291,419,593
Ira Certificates$37,098,125
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
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 members.”

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

“The members are allowed to elect directors of the governing body.”

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 990 is prepared by an independent and experienced cpa firm. Prior to filing, the form 990 is reviewed by the credit union's ceo, evp of finance, vp of finance & internal audit manager. Once reviewed and approved, form 990 is filed with the irs. Management then informs the credit union's board that the form 990 has been completed and filed, making it available to them upon request.”

Form 990, Part VI, Section B, Line 12C

“Conflict of interest policy is signed every year at the annual meeting. At the beginning of every board meeting, board members are asked if there are potential or actual conflicts with any of the board items. Directors abstain from any voting where a conflict exists.”

Form 990, Part VI, Section B, Line 15

“A committee of the board prepares a written evaluation of the ceo and obtains comparable surveys.”

Form 990, Part VI, Section C, Line 19

“Records are made available in accordance with the michigan credit union act and ncua rules and regulations.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the
EIN
38-1686050
Phone
2693829845
Address
550 S RIVERVIEW DRIVE, PARCHMENT, MI 49004
Doing Business As
Advia Credit Union

Signing Officer

Name
Jeff Fielder
Title
Evp of Finance
Phone
8442384228
Signed
2019-10-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cheryl Koncsol
Formed
1935
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
702
Volunteers
10

Preparer

Firm
Doeren Mayhew
Address
12060 S W 129TH COURT STE 201, MIAMI, FL 33186-4582
Preparer
Douglas J Orth
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Other operating expenses 997,021. Maintenance 489,945. Training/business development 329,353.”

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 from most federal, state, and local taxes under the provisions of the internal revenue code and state tax laws. The income taxes topic of the fasb asc clarifies accounting for uncertainty in income taxes reported in the financial statements. The interpretation provides criteria for assessment of individual tax positions and a process for recognition and measurement of uncertain tax positions. Tax positions are evaluated on whether they meet the "more likely than not" standard for sustainability upon examination by tax authorities. The credit union is a state-chartered credit union as defined in internal revenue code (irc) section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities directly related to its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (ubi) derived by state-chartered credit unions. Beginning in march 2008, the internal revenue service (irs) released technical advice memorandums (tams) to specific state-chartered credit unions specifying the revenue sources subject to unrelated business income tax (ubit). Ubi may also be subject to tax in certain states. Management has assessed the credit union's activities and any potential federal or state income tax liability and determined that the credit union has no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Additionally, no interest and penalties have been recorded in the accompanying financial statements related to uncertain tax positions. Currently, the 2016, 2015, and 2014 federal income tax returns are open for examination by the irs. The filing years open for examination by the state, if applicable, may be equal to, greater than or less than the years open for examination by the irs.”

Raw XML AppendixShowing 400 of 718 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/OtherCompensationAmt1072112
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1226421
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1619259
IRS990/Form990PartVIISectionAGrp/PersonNm0MARTY DOORN
IRS990/Form990PartVIISectionAGrp/PersonNm1JULIE BIRMAN
IRS990/Form990PartVIISectionAGrp/PersonNm2DANIELLE STREED
IRS990/Form990PartVIISectionAGrp/PersonNm3NICOLE KALMBACH
IRS990/Form990PartVIISectionAGrp/PersonNm4MIKE SEGAL
IRS990/Form990PartVIISectionAGrp/PersonNm5DONNA KALMETA
IRS990/Form990PartVIISectionAGrp/PersonNm6RICH SEIM
IRS990/Form990PartVIISectionAGrp/PersonNm7CHERYL KONCSOL
IRS990/Form990PartVIISectionAGrp/PersonNm8JEFFREY FIELDER
IRS990/Form990PartVIISectionAGrp/PersonNm9KRISTIN MARSCHNER
IRS990/Form990PartVIISectionAGrp/PersonNm10RAYMOND BLACK
IRS990/Form990PartVIISectionAGrp/PersonNm11TIMOTHY MERWIN
IRS990/Form990PartVIISectionAGrp/PersonNm12LINDEN BUCK II
IRS990/Form990PartVIISectionAGrp/PersonNm13THOMAS OEHLER
IRS990/Form990PartVIISectionAGrp/PersonNm14STEVEN KLITZING
IRS990/Form990PartVIISectionAGrp/PersonNm15MARION BRENNER
IRS990/Form990PartVIISectionAGrp/PersonNm16JAMES HOUSTON
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8286320
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9348879
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10251799
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12185098
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15193254
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16190245
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN/BOD
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR/BOD
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER/BOD
IRS990/Form990PartVIISectionAGrp/TitleTxt3V. CHAIR/BOD
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5SECRETARY/BOD
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8EVP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt9EVP OF RISK MANAGE
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP OF MEMBER SERVICE & MA
IRS990/Form990PartVIISectionAGrp/TitleTxt11EVP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF INDIRECT RELATIONSHI
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF COMMERCIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt14REGIONAL VICE PRESIDNET
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP OF BRANCH EXPERIENCE SU
IRS990/Form990PartVIISectionAGrp/TitleTxt16REGIONAL VICE PRESIDNET
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01935
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IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0190511
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt01106601
IRS990/GrossReceiptsAmt0104212623
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt037
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt03515987
IRS990/InsuranceGrp/TotalAmt0277611
IRS990/IntangibleAssetsGrp/BOYAmt018463102
IRS990/IntangibleAssetsGrp/EOYAmt017339016
IRS990/InterestGrp/TotalAmt013648017
IRS990/InvestmentIncomeGrp/ExclusionAmt04471380
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04471380
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt063013095
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt042406176
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0105696911
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IRS990/IRPDocumentCnt048432
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt017241380
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IRS990/LandBldgEquipCostOrOtherBssAmt046197339
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0916090
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROVIDE COMPETITIVE DEPOSIT AND LOAN PRODUCTS TO OUR MEMBERSHIP BASE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt0107096340
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt060300000
IRS990/NetAssetsOrFundBalancesBOYAmt0167977772
IRS990/NetAssetsOrFundBalancesEOYAmt0176268066
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0190511
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0190511
IRS990/NetUnrelatedBusTxblIncmAmt075211
IRS990/NetUnrlzdGainsLossesInvstAmt0-943674
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02608425
IRS990/OfficeExpensesGrp/TotalAmt08102343
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt022281406
IRS990/OtherAssetsTotalGrp/EOYAmt022710585
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt04065018
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1ATM EXPENSES
IRS990/OtherExpensesGrp/Desc2DEBIT/CREDIT CARD EXPEN
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt09372861
IRS990/OtherExpensesGrp/TotalAmt13270591
IRS990/OtherExpensesGrp/TotalAmt22766325
IRS990/OtherExpensesGrp/TotalAmt32101253
IRS990/OtherLiabilitiesGrp/BOYAmt01392101229
IRS990/OtherLiabilitiesGrp/EOYAmt01493163602
IRS990/OtherSalariesAndWagesGrp/TotalAmt027742647
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01368899779
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01397015845
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt089731
IRS990/PayrollTaxesGrp/TotalAmt02112376
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt02271322
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02634156
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02287721
IRS990/PrincipalOfficerNm0CHERYL KONCSOL
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/Desc0INCOME FROM LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc3NON-MEMBER ATM FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt069806017
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt114737092
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt213761468
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt069806017
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt114737092
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt213761468
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3330065
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0330065
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03904838
IRS990/PYOtherExpensesAmt049780823
IRS990/PYOtherRevenueAmt0233874
IRS990/PYProgramServiceRevenueAmt089164382
IRS990/PYRevenuesLessExpensesAmt012709056
IRS990/PYSalariesCompEmpBnftPaidAmt030813215
IRS990/PYTotalExpensesAmt080594038
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt093303094
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt08571565
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt09683317
IRS990/ReconcilationRevenueExpnssAmt09233968
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0176268066
IRS990/SavingsAndTempCashInvstGrp/BOYAmt048498949
IRS990/SavingsAndTempCashInvstGrp/EOYAmt090794313
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt016206051
IRS990ScheduleD/BuildingsGrp/DepreciationAmt05786680
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt021992731
IRS990ScheduleD/EquipmentGrp/BookValueAmt05860574
IRS990ScheduleD/EquipmentGrp/DepreciationAmt011237068
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt017097642
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt094062565
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt06182167
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt06182167
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0707167
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0217632
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0924799
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0291419593
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1426713220
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2337752326
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3400180338
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt437098125
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SAVINGS AND CLUB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA CERTIFICATES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0103296533
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE TAX LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE (IRS) RELEASED TECHNICAL ADVICE MEMORANDUMS (TAMS) TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2016, 2015, AND 2014 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt028955959
IRS990ScheduleD/TotalExpensesPerForm990Amt094062565

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,749,022,744
Liabilities
$1,572,754,678
Net assets
$176,268,066
Revenue
$103,296,533
Expenses
$94,062,565
Net income
$9,233,968
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,444$3,147$297$216$195$21.5
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,987$2,714$273$183$148$35.0
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,892$2,650$242$137$105$31.8
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,695$2,452$243$117$85.4$31.8
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,425$2,207$218$119$102$17.8
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,085$1,891$193$114$99.6$14.1
2018Detailed filing. Detailed filing data is available for this year.$1,749$1,573$176$103$94.1$9.23
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,684$1,516$168$93.3$80.6$12.7
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,348$1,197$150$73.8$62.2$11.5
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,184$1,045$139$65.2$54.2$11.0
2014Summary only. Only limited summary data is available for this year.$1,087$957$130$56.8$52.8$4.03
2013Detailed filing. Detailed filing data is available for this year.$276$249$27.2$16.6$15.1$1.51
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$264$237$27.4$12.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$245$223$21.8$13.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$221$202$18.9$18.9