Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2017 • EIN 38-1706265

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 13, 2018

Organization ProfileCHIPPEWACOUNTYCU.COM
402 West Spruce StreetSault Ste Marie, MI 49783

(906) 632-3134

Siviq Scores

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

Liabilities / Assets

67th percentile

0.89x

Higher debt load relative to assets than 67% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Liabilities / Revenue

24th percentile

15.83x

Higher debt load relative to revenue than 24% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Net Margin

13th percentile

0.4%

Higher net margin than 13% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Top Officer Pay

18th percentile

$70,368

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 4.5% of source-year revenue.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Asset Growth

2nd percentile

-6.9%

Faster asset growth than 2% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Revenue Growth

49th percentile

4.8%

Faster revenue growth than 49% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets67th percentile

Assets

Down

$27,430,399

Down $2,047,229 (-6.9%) from 2016

Net Assets

Down

$2,917,893

Down $13,179 (-0.4%) from 2016

Liabilities

Down

$24,512,506

Down $2,034,050 (-7.7%) from 2016

Revenue And Expenses
Liabilities / Revenue24th percentileNet Margin13th percentile

Revenue

Up

$1,548,227

Up $70,732 (+4.8%) from 2016

Expenses

Down

$1,542,504

Down $182,558 (-11%) from 2016

Net Income

Up

$5,723

Up $253,290 (+102%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

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

$40M$30M$20M$10M$0Assets 2010: $22,637,169Liabilities 2010: $19,716,042Net Assets 2010: $2,921,1272010Assets 2011: $24,499,191Liabilities 2011: $21,538,483Net Assets 2011: $2,960,7082011Assets 2012: $25,481,173Liabilities 2012: $22,458,273Net Assets 2012: $3,022,9002012Assets 2013: $27,196,360Liabilities 2013: $23,842,886Net Assets 2013: $3,353,4742013Assets 2015: $28,427,538Liabilities 2015: $25,200,044Net Assets 2015: $3,227,4942015Assets 2016: $29,477,628Liabilities 2016: $26,546,556Net Assets 2016: $2,931,0722016Assets 2017: $27,430,399Liabilities 2017: $24,512,506Net Assets 2017: $2,917,8932017Assets 2018: $27,444,991Liabilities 2018: $24,357,396Net Assets 2018: $3,087,5952018Assets 2019: $28,468,897Liabilities 2019: $25,196,213Net Assets 2019: $3,272,6842019Assets 2020: $33,778,426Liabilities 2020: $30,327,431Net Assets 2020: $3,450,9952020Assets 2021: $38,046,639Liabilities 2021: $34,362,334Net Assets 2021: $3,684,3052021Assets 2022: $38,175,294Liabilities 2022: $34,343,795Net Assets 2022: $3,831,4992022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2017

Assets$27,430,399
Liabilities$24,512,506
Net Assets$2,917,893
Open 2017 Filing

Operations Trend

Revenue Growth49th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,302,4362010Expenses 2011: $1,256,3152011Expenses 2012: $1,284,9572012Revenue 2013: $1,450,450Expenses 2013: $1,352,394Net Income 2013: $98,0562013Revenue 2015: $1,546,448Expenses 2015: $1,556,892Net Income 2015: -$10,4442015Revenue 2016: $1,477,495Expenses 2016: $1,725,062Net Income 2016: -$247,5672016Revenue 2017: $1,548,227Expenses 2017: $1,542,504Net Income 2017: $5,7232017Revenue 2018: $1,605,671Expenses 2018: $1,435,969Net Income 2018: $169,7022018Revenue 2019: $1,697,172Expenses 2019: $1,512,083Net Income 2019: $185,0892019Revenue 2020: $1,727,935Expenses 2020: $1,549,624Net Income 2020: $178,3112020Revenue 2021: $1,798,174Expenses 2021: $1,564,869Net Income 2021: $233,3052021Revenue 2022: $1,839,231Expenses 2022: $1,692,037Net Income 2022: $147,1942022Revenue 2023: $2,107,665Expenses 2023: $1,825,437Net Income 2023: $282,2282023

Highlighted filing

2017

Revenue$1,548,227
Expenses$1,542,504
Net Income$5,723
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 13, 2018
Return Version
2017v2.3
Gross Receipts
$1,548,227
Mission and Program Overview

Mission

Michigan chartered credit union furnishing cooperative financial services to members as provided by public act 285

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$18,697,685$18,658,336▼ $39,349
Investments Other Securities$6,977,372$6,340,086▼ $637,286
Land, Buildings, and Equipment, Net$1,171,123$1,103,718▼ $67,405
Savings and Temporary Cash Investments$1,412,351$350,859▼ $1,061,492
Cash and Non-Interest-Bearing Accounts$407,880$297,726▼ $110,154
Prepaid Expenses and Deferred Charges$145,816$160,810▲ $14,994
Receivables From Officers Etc$132,917$90,686▼ $42,231
Total Assets$29,477,628$27,430,399▼ $2,047,229
Other Assets Total$532,484$428,178▼ $104,306
Liabilities
Other Liabilities$26,328,953$24,249,344▼ $2,079,609
Accounts Payable and Accrued Expenses$217,603$263,162▲ $45,559
Total Liabilities$26,546,556$24,512,506▼ $2,034,050
Net Assets / Fund Balance
Unrestricted Net Assets$2,931,072$2,917,893▼ $13,179
Total Net Assets Fund Balance$2,931,072$2,917,893▼ $13,179
Total Liabilities and Net Assets / Fund Balance$29,477,628$27,430,399▼ $2,047,229

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$942,750$174,748-
Land$21,004--
Equipment$39,042$268,980-
Leasehold Improvements$100,922$9,581-
Other Securities$185,358--
Compensation and Service Providers
Top Officer Pay18th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Connie ToensingCEOFT$70,368$70,368

Board Members and Trustees

NameTitle
Tom LuomaBoard Presid
Jenny PetermanDirector
Roy NasonDirector
Thomas PinkDirector
Laurie GierkeSecretary
Jeannie MastersonTreasurer
Judith WalshVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,438,459
Investment Income
$98,174
Other Revenue
$11,594
Change in Net Assets
$5,723
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,009,447
Salaries, Compensation, and Employee Benefits$533,057
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$722,880
Other Salaries and Wages---$351,747
Depreciation Depletion---$71,625
Current Officers, Directors, Trustees, and Key Employees---$69,367
Other Employee Benefits---$56,956
Fees for Services Other---$53,948
Occupancy---$49,904
Payroll Taxes---$45,321
Interest---$41,642
Advertising---$26,801
Conferences and Meetings---$13,164
Pension Plan Contributions---$9,666
Other Expenses---$4,448
Total Functional Expenses$0$0$0$1,542,504
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$132,917$90,686▼ $42,231
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$12,155,404
Checking$4,447,008
Preferred Savings$3,593,383
Certificate of Deposit$2,356,312
Club$1,136,418
Ira$546,702
Accrued Interest$11,188
State Income Tax Payable$2,244
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Other officer compensation reviewed
No
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, Page 6, Part VI, Line 6

“ORGANIZED WITH MEMBERS.”

Form 990, Page 6, Part VI, Line 7A

“Members are nominated and voted on at the annual meeting.”

Form 990, Page 6, Part VI, Line 7B

“Organization name change is subject to approval.”

Form 990, Page 6, Part VI, Line 11B

“Ceo reviews 990 prior to filing.”

Form 990, Page 6, Part VI, Line 19

“Financials are posted in the lobby of all offices and handed out upon request.”

Filing and Contact Details

Filer

Filer Name
Chippewa County Credit Union
EIN
38-1706265
Phone
9066323134
Address
402 WEST SPRUCE STREET, SAULT STE MARIE, MI 49783

Signing Officer

Name
Connie Toensing
Title
CEO
Phone
9066323134
Signed
2018-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Connie Toensing
Formed
1955
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
0
Employees
24

Preparer

Firm
Andersontackman & Company Plc
Address
16978 S RILEY AVE, KINCHELOE, MI 49788
Preparer
Amber Mack CPA
Phone
9064955952
Raw XML AppendixShowing 400 of 478 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0217603
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0263162
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0MICHIGAN CHARTERED CREDIT UNION FURNISHING COOPERATIVE FINANCIAL SERVICES TO MEMBERS AS PROVIDED BY PUBLIC ACT 285
IRS990/AdvertisingGrp/TotalAmt026801
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0CHIPPEWA COUNTY CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum09066323134
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0402 W SPRUCE ST
IRS990/BooksInCareOfDetail/USAddress/CityNm0SAULT STE MARIE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049783
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0407880
IRS990/CashNonInterestBearingGrp/EOYAmt0297726
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt069367
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt013164
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt098174
IRS990/CYOtherExpensesAmt01009447
IRS990/CYOtherRevenueAmt011594
IRS990/CYProgramServiceRevenueAmt01438459
IRS990/CYRevenuesLessExpensesAmt05723
IRS990/CYSalariesCompEmpBnftPaidAmt0533057
IRS990/CYTotalExpensesAmt01542504
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01548227
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt071625
IRS990/Desc0MICHIGAN CHARTERED CREDIT UNION (STATE CHARTERED) FURNISHING COOPERATIVE FINANCIAL SERVICES TO MEMBERS AS PROVIDED BY PUBLIC ACT 285
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt024
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesOtherGrp/TotalAmt053948
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0TOM LUOMA
IRS990/Form990PartVIISectionAGrp/PersonNm1JUDITH WALSH
IRS990/Form990PartVIISectionAGrp/PersonNm2LAURIE GIERKE
IRS990/Form990PartVIISectionAGrp/PersonNm3JEANNIE MASTERSON
IRS990/Form990PartVIISectionAGrp/PersonNm4ROY NASON
IRS990/Form990PartVIISectionAGrp/PersonNm5JENNY PETERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6THOMAS PINK
IRS990/Form990PartVIISectionAGrp/PersonNm7CONNIE TOENSING
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt770368
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/TitleTxt0BOARD PRESID
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01548227
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/TotalAmt041642
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt098174
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt098174
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt06977372
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt06340086
IRS990/IRPDocumentCnt0435
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0453309
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01171123
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01103718
IRS990/LandBldgEquipCostOrOtherBssAmt01557027
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0MICHIGAN CHARTERED CREDIT UNION FURNISHING COOPERATIVE FINANCIAL SERVICES TO MEMBERS AS PROVIDED BY PUBLIC ACT 285
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02931072
IRS990/NetAssetsOrFundBalancesEOYAmt02917893
IRS990/NetUnrelatedBusTxblIncmAmt0-12199
IRS990/NetUnrlzdGainsLossesInvstAmt0-18902
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt049904
IRS990/OfficeExpensesGrp/TotalAmt0722880
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0532484
IRS990/OtherAssetsTotalGrp/EOYAmt0428178
IRS990/OtherEmployeeBenefitsGrp/TotalAmt056956
IRS990/OtherExpensesGrp/Desc0NON OPERATING
IRS990/OtherExpensesGrp/Desc1ASSOCIATION DUES
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt018902
IRS990/OtherExpensesGrp/TotalAmt16133
IRS990/OtherExpensesGrp/TotalAmt24448
IRS990/OtherLiabilitiesGrp/BOYAmt026328953
IRS990/OtherLiabilitiesGrp/EOYAmt024249344
IRS990/OtherOrganizationDsc0COOPERATIVE
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1524298
IRS990/OtherRevenueMiscGrp/BusinessCd2525990
IRS990/OtherRevenueMiscGrp/Desc0NON MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/Desc1SALES OF NON-LOAN INSURANCE
IRS990/OtherRevenueMiscGrp/Desc2DIVIDENDS
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt04246
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt14026
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt23322
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt04246
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt14026
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt23322
IRS990/OtherRevenueTotalAmt011594
IRS990/OtherSalariesAndWagesGrp/TotalAmt0351747
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt018697685
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt018658336
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt045321
IRS990/PensionPlanContributionsGrp/TotalAmt09666
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0145816
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0160810
IRS990/PrincipalOfficerNm0CONNIE TOENSING
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2MEMBER FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0988473
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1281794
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2168192
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0988473
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1281794
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2168192
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt050966
IRS990/PYOtherExpensesAmt01191916
IRS990/PYOtherRevenueAmt014045
IRS990/PYProgramServiceRevenueAmt01412484
IRS990/PYRevenuesLessExpensesAmt0-247567
IRS990/PYSalariesCompEmpBnftPaidAmt0533146
IRS990/PYTotalExpensesAmt01725062
IRS990/PYTotalRevenueAmt01477495
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0132917
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt090686
IRS990/ReconcilationRevenueExpnssAmt05723
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01412351
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0350859
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0942750
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0174748
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01117498
IRS990ScheduleD/EquipmentGrp/BookValueAmt039042
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0268980
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0308022
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt0685
IRS990ScheduleD/LandGrp/BookValueAmt021004
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt021004
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0100922
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt09581
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0110503
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt012155404
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt14447008
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt23593383
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32356312
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41136418
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5546702
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt611188
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt72244
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CHECKING
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2PREFERRED SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3CERTIFICATE OF DEPOSIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4CLUB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5IRA
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6ACCRUED INTEREST
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7STATE INCOME TAX PAYABLE
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt05904000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1250728
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2185358
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1STOCK BASED INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2STOCK OWNED BY CREDIT UNION
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01103718
IRS990ScheduleD/TotalBookValueSecuritiesAmt06340086
IRS990ScheduleD/TotalLiabilityAmt024249344
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt022863
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt121962
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt216216
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt311261
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt45042
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt54538
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt63652
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt71824
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt81544
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt91453
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt10170
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11161
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd11false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SUMMER HOME
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4VACANT LAND
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5CREDIT CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8VISA LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10RV
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt031000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt130723
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt234552
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt357619
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt410400
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt55000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt610000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt72250
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt83000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt95000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt108030
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt118910
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JUDITH WALSH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1CONNIE TOENSING
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2JEANNIE MASTERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3CONNIE TOENSING
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4JEANNIE MASTERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5JEANNIE MASTERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6TOM LUOMA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7JENNY PETERMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8CONNIE L TOENSING
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9THOMAS PINK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10CONNIE TOENSING
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm11ROY NASON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0VICE CHAIR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt9BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt10CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt11BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11true
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0CONNIE TOENSING FROM 8,030 170 RV ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT ROY NASON FROM 8,910 161 VISA ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE L, PART II
IRS990ScheduleL/TotalBalanceDueAmt090686
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ORGANIZED WITH MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ARE NOMINATED AND VOTED ON AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ORGANIZATION NAME CHANGE IS SUBJECT TO APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CEO REVIEWS 990 PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FINANCIALS ARE POSTED IN THE LOBBY OF ALL OFFICES AND HANDED OUT UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$27,430,399
Liabilities
$24,512,506
Net assets
$2,917,893
Revenue
$1,548,227
Expenses
$1,542,504
Net income
$5,723
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$2.11$1.83$0.28
2022Detailed filing. Detailed filing data is available for this year.$38.2$34.3$3.83$1.84$1.69$0.15
2021Detailed filing. Detailed filing data is available for this year.$38.0$34.4$3.68$1.80$1.56$0.23
2020Detailed filing. Detailed filing data is available for this year.$33.8$30.3$3.45$1.73$1.55$0.18
2019Detailed filing. Detailed filing data is available for this year.$28.5$25.2$3.27$1.70$1.51$0.19
2018Detailed filing. Detailed filing data is available for this year.$27.4$24.4$3.09$1.61$1.44$0.17
2017Detailed filing. Detailed filing data is available for this year.$27.4$24.5$2.92$1.55$1.54$0.01
2016Detailed filing. Detailed filing data is available for this year.$29.5$26.5$2.93$1.48$1.73$0.25
2015Detailed filing. Detailed filing data is available for this year.$28.4$25.2$3.23$1.55$1.56$0.01
2013Detailed filing. Detailed filing data is available for this year.$27.2$23.8$3.35$1.45$1.35$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.5$22.5$3.02$1.28
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.5$21.5$2.96$1.26
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.6$19.7$2.92$1.30