Liabilities / Assets
84th percentile
Higher debt load relative to assets than 84% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
84th percentile
Higher debt load relative to assets than 84% of similar nonprofits.
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
70th percentile
Faster asset growth than 70% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Assets
Up$13,110,167
Up $671,991 (+5.4%) from 2010
Net Assets
Down$1,136,593
Down $89,589 (-7.3%) from 2010
Liabilities
Up$11,973,574
Up $761,580 (+6.8%) from 2010
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$660,966
Down $76,065 (-10%) from 2010
Net Income
-
No earlier filing loaded for comparison.
To provide financial services to member owners with a common bond.
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/AccountantCompileOrReview | 0 | false |
| IRS990/AccountsPayableAccruedExpenses/BOY | 0 | 34922 |
| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 48357 |
| IRS990/AccountsReceivable/EOY | 0 | 0 |
| IRS990/ActivitiesConductedPartnership | 0 | false |
| IRS990/Activity2/Description | 0 | The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2011 was 576. |
| IRS990/ActivityOrMissionDescription | 0 | To provide financial services to member owners with a common bond. |
| IRS990/Advertising/Total | 0 | 20462 |
| IRS990/AllAffiliatesIncluded | 0 | false |
| IRS990/AllOtherExpenses/Total | 0 | 7961 |
| IRS990/AnnualDisclosureCoveredPersons | 0 | true |
| IRS990/AuditCommittee | 0 | true |
| IRS990/BenefitsPaidToMembersCY | 0 | 0 |
| IRS990/BenefitsToMembers/Total | 0 | 0 |
| IRS990/BsnssRltnshpThruFamilyMember | 0 | false |
| IRS990/BsnssRltnshpWithOrganization | 0 | false |
| IRS990/CashNonInterestBearing/BOY | 0 | 261124 |
| IRS990/CashNonInterestBearing/EOY | 0 | 227229 |
| IRS990/ChangesToOrganizingDocs | 0 | false |
| IRS990/CollectionsOfArt | 0 | false |
| IRS990/CompCurrentOfficersDirectors/Total | 0 | 116259 |
| IRS990/CompDisqualPersons/Total | 0 | 0 |
| IRS990/CompensationFromOtherSources | 0 | false |
| IRS990/CompensationProcessCEO | 0 | true |
| IRS990/CompensationProcessOther | 0 | true |
| IRS990/ComplianceWithBackupWitholding | 0 | true |
| IRS990/ConferencesMeetings/Total | 0 | 0 |
| IRS990/ConflictOfInterestPolicy | 0 | true |
| IRS990/ConservationEasements | 0 | false |
| IRS990/ConsolidatedAuditFinancialStmt | 0 | false |
| IRS990/ContributionsGrantsCurrentYear | 0 | 0 |
| IRS990/CreditCounseling | 0 | false |
| IRS990/DecisionsSubjectToApproval | 0 | true |
| IRS990/DeductibleContributionsOfArt | 0 | false |
| IRS990/DeductibleNonCashContributions | 0 | false |
| IRS990/DelegationOfManagementDuties | 0 | false |
| IRS990/DepreciationDepletion/Total | 0 | 0 |
| IRS990/DescribedIn501C3 | 0 | false |
| IRS990/Description | 0 | The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members at 12/31/2011 was 2,363. |
| IRS990/DisregardedEntity | 0 | false |
| IRS990/DistributionToDonor | 0 | false |
| IRS990/DocumentRetentionPolicy | 0 | true |
| IRS990/DonorAdvisedFunds | 0 | false |
| IRS990/DoNotFollowSFAS117 | 0 | X |
| IRS990/ElectionOfBoardMembers | 0 | true |
| IRS990/EmploymentTaxReturnsFiled | 0 | true |
| IRS990/EscrowAccount | 0 | false |
| IRS990/ExcessBenefitTransaction | 0 | false |
| IRS990/ExcessBusinessHoldings | 0 | false |
| IRS990/FamilyOrBusinessRelationship | 0 | false |
| IRS990/FederalGrantAuditPerformed | 0 | false |
| IRS990/FederalGrantAuditRequired | 0 | false |
| IRS990/FeesForServicesAccounting/Total | 0 | 16857 |
| IRS990/FeesForServicesInvstMgmntFees/Total | 0 | 0 |
| IRS990/FeesForServicesLegal/Total | 0 | 0 |
| IRS990/FeesForServicesLobbying/Total | 0 | 0 |
| IRS990/FeesForServicesManagement/Total | 0 | 0 |
| IRS990/FeesForServicesOther/Total | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/Total | 0 | 0 |
| IRS990/FiledLieu1041 | 0 | false |
| IRS990/FinancialStatementSeparate | 0 | X |
| IRS990/ForeignActivities | 0 | false |
| IRS990/ForeignFinancialAccount | 0 | false |
| IRS990/ForeignGrants/Total | 0 | 0 |
| IRS990/ForeignOffice | 0 | false |
| IRS990/Form720Filed | 0 | false |
| IRS990/Form8886TFiled | 0 | false |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 0 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 1 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 2 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 3 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 4 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 5 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 6 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 7 | 40.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 8 | 40.00 |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 0 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 1 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 2 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 3 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 4 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 5 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 6 | X |
| IRS990/Form990PartVIISectionA/NamePerson | 0 | Arzo Smith |
| IRS990/Form990PartVIISectionA/NamePerson | 1 | James Shereda Sr |
| IRS990/Form990PartVIISectionA/NamePerson | 2 | Thomas Guswiler |
| IRS990/Form990PartVIISectionA/NamePerson | 3 | Marie Cilluffo |
| IRS990/Form990PartVIISectionA/NamePerson | 4 | James A Lentz |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | Dennis O'Meara |
| IRS990/Form990PartVIISectionA/NamePerson | 6 | Frances Schulte |
| IRS990/Form990PartVIISectionA/NamePerson | 7 | Mary Corey |
| IRS990/Form990PartVIISectionA/NamePerson | 8 | Frances Pierce |
| IRS990/Form990PartVIISectionA/Officer | 0 | X |
| IRS990/Form990PartVIISectionA/Officer | 1 | X |
| IRS990/Form990PartVIISectionA/OtherCompensation | 0 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 1 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 2 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 3 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 4 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 5 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 6 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 7 | 4500 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 8 | 4500 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 7 | 33946 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 8 | 73313 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 7 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 8 | 0 |
| IRS990/Form990PartVIISectionA/Title | 0 | Director |
| IRS990/Form990PartVIISectionA/Title | 1 | Director |
| IRS990/Form990PartVIISectionA/Title | 2 | Director |
| IRS990/Form990PartVIISectionA/Title | 3 | Secretary |
| IRS990/Form990PartVIISectionA/Title | 4 | Treasurer |
| IRS990/Form990PartVIISectionA/Title | 5 | Vice President |
| IRS990/Form990PartVIISectionA/Title | 6 | President |
| IRS990/Form990PartVIISectionA/Title | 7 | Assistant Mgr |
| IRS990/Form990PartVIISectionA/Title | 8 | CEO |
| IRS990/Form990ProvidedToGoverningBody | 0 | false |
| IRS990/Form990-TFiled | 0 | true |
| IRS990/FormersListed | 0 | false |
| IRS990/FSAudited | 0 | true |
| IRS990/FundraisingActivities | 0 | false |
| IRS990/Gaming | 0 | false |
| IRS990/GrantsAndSimilarAmntsCY | 0 | 0 |
| IRS990/GrantsToDomesticIndividuals/Total | 0 | 0 |
| IRS990/GrantsToDomesticOrgs/Total | 0 | 0 |
| IRS990/GrantsToIndividuals | 0 | false |
| IRS990/GrantsToOrganizations | 0 | false |
| IRS990/GrantToRelatedPerson | 0 | false |
| IRS990/GrossReceipts | 0 | 571377 |
| IRS990/GroupReturnForAffiliates | 0 | false |
| IRS990/Hospital | 0 | false |
| IRS990/IncomeFromInvestBondProceeds/TotalRevenueColumn | 0 | 0 |
| IRS990/IndependentAuditFinancialStmt | 0 | true |
| IRS990/IndoorTanningServices | 0 | false |
| IRS990/InfoInScheduleOPartVI | 0 | X |
| IRS990/InformationTechnology/Total | 0 | 28753 |
| IRS990/Insurance/Total | 0 | 32264 |
| IRS990/IntangibleAssets/EOY | 0 | 0 |
| IRS990/Interest/Total | 0 | 11797 |
| IRS990/InventoriesForSaleOrUse/EOY | 0 | 0 |
| IRS990/InvestmentIncomeCurrentYear | 0 | 152219 |
| IRS990/InvestmentIncomePriorYear | 0 | 205248 |
| IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome | 0 | 152219 |
| IRS990/InvestmentIncome/TotalRevenueColumn | 0 | 152219 |
| IRS990/InvestmentInJointVenture | 0 | false |
| IRS990/InvestmentsOtherSecurities/BOY | 0 | 4068181 |
| IRS990/InvestmentsOtherSecurities/EOY | 0 | 5065800 |
| IRS990/InvestmentsProgramRelated/EOY | 0 | 0 |
| IRS990/InvestmentsPubTradedSecurities/EOY | 0 | 0 |
| IRS990/InvestTaxExemptBonds | 0 | false |
| IRS990/LandBldgEquipmentAccumDeprec | 0 | 576624 |
| IRS990/LandBuildingsEquipmentBasis | 0 | 577178 |
| IRS990/LandBuildingsEquipmentBasisNet/BOY | 0 | 554 |
| IRS990/LandBuildingsEquipmentBasisNet/EOY | 0 | 554 |
| IRS990/LicensedMoreThanOneState | 0 | false |
| IRS990/LoanToOfficerOrDQP | 0 | true |
| IRS990/LobbyingActivities | 0 | false |
| IRS990/LocalChapters | 0 | false |
| IRS990/MaterialDiversionOrMisuse | 0 | false |
| IRS990/MembersOrStockholders | 0 | true |
| IRS990/MethodOfAccountingAccrual | 0 | X |
| IRS990/MinutesOfCommittees | 0 | true |
| IRS990/MinutesOfGoverningBody | 0 | true |
| IRS990/MissionDescription | 0 | To provide financial services to member owners with a common bond. |
| IRS990/MoreThan5000KToIndividuals | 0 | false |
| IRS990/MoreThan5000KToOrganizations | 0 | false |
| IRS990/NbrIndependentVotingMembers | 0 | 7 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 7 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 7 |
| IRS990/NetAssetsOrFundBalancesBOY | 0 | 1226182 |
| IRS990/NetAssetsOrFundBalancesEOY | 0 | 1136593 |
| IRS990/NetGainOrLossInvestments/TotalRevenueColumn | 0 | 0 |
| IRS990/NetIncomeFromFundraisingEvents/TotalRevenueColumn | 0 | 0 |
| IRS990/NetIncomeFromGaming/TotalRevenueColumn | 0 | 0 |
| IRS990/NetIncomeOrLoss/TotalRevenueColumn | 0 | 0 |
| IRS990/NetRentalIncomeOrLoss/TotalRevenueColumn | 0 | 0 |
| IRS990/NonDeductibleContributions | 0 | false |
| IRS990/NonDeductibleDisclosure | 0 | false |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 245 |
| IRS990/NumberIndependentVotingMembers | 0 | 7 |
| IRS990/NumberIndividualsGT100K | 0 | 0 |
| IRS990/NumberOfContractorsGT100K | 0 | 0 |
| IRS990/NumberOfEmployees | 0 | 9 |
| IRS990/NumberW2GIncluded | 0 | 0 |
| IRS990/Occupancy/Total | 0 | 17117 |
| IRS990/OfficeExpenses/Total | 0 | 74885 |
| IRS990/OfficerEntityWithBsnssRltnshp | 0 | false |
| IRS990/OfficerMailingAddress | 0 | false |
| IRS990/OnBehalfOfIssuer | 0 | false |
| IRS990/Organization501c | 0 | X |
| IRS990/OtherAssetsTotal/BOY | 0 | 149363 |
| IRS990/OtherAssetsTotal/EOY | 0 | 192334 |
| IRS990/OtherEmployeeBenefits/Total | 0 | 17781 |
| IRS990/OtherExpensePriorYear | 0 | 443000 |
| IRS990/OtherExpensesCurrentYear | 0 | 373139 |
| IRS990/OtherExpenses/Description | 0 | Provision for Loan Losses |
| IRS990/OtherExpenses/Description | 1 | Postage and Shipping |
| IRS990/OtherExpenses/Description | 2 | NCUA Stabilization Expense |
| IRS990/OtherExpenses/Description | 3 | Loan Servicing Expenses |
| IRS990/OtherExpenses/Description | 4 | ATM Expense |
| IRS990/OtherExpenses/Total | 0 | 20000 |
| IRS990/OtherExpenses/Total | 1 | 13198 |
| IRS990/OtherExpenses/Total | 2 | 31746 |
| IRS990/OtherExpenses/Total | 3 | 58015 |
| IRS990/OtherExpenses/Total | 4 | 35240 |
| IRS990/OtherLiabilities/BOY | 0 | 11177072 |
| IRS990/OtherLiabilities/EOY | 0 | 11925217 |
| IRS990/OtherNotesLoansReceivableNet/BOY | 0 | 4392831 |
| IRS990/OtherNotesLoansReceivableNet/EOY | 0 | 3644537 |
| IRS990/OtherRevenueCurrentYear | 0 | 6372 |
| IRS990/OtherRevenueMisc/BusinessCode | 0 | 524298 |
| IRS990/OtherRevenueMisc/Description | 0 | Insurance Handling Fees |
| IRS990/OtherRevenueMisc/TotalRevenueColumn | 0 | 6372 |
| IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue | 0 | 6372 |
| IRS990/OtherRevenuePriorYear | 0 | 6214 |
| IRS990/OtherSalariesAndWages/Total | 0 | 116554 |
| IRS990/PartialLiquidation | 0 | false |
| IRS990/PaymentsToAffiliates/Total | 0 | 0 |
| IRS990/PayrollTaxes/Total | 0 | 18573 |
| IRS990/PensionPlanContributions/Total | 0 | 18660 |
| IRS990/PledgesAndGrantsReceivable/EOY | 0 | 0 |
| IRS990/PoliciesReferenceChapters | 0 | false |
| IRS990/PoliticalActivities | 0 | false |
| IRS990/PrepaidExpensesDeferredCharges/BOY | 0 | 20029 |
| IRS990/PrepaidExpensesDeferredCharges/EOY | 0 | 42036 |
| IRS990/PriorExcessBenefitTransaction | 0 | false |
| IRS990/ProfessionalFundraising | 0 | false |
| IRS990/ProgramServiceRevenue/BusinessCode | 0 | 522100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 1 | 522100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 2 | 522100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 3 | 522100 |
| IRS990/ProgramServiceRevenueCY | 0 | 412786 |
| IRS990/ProgramServiceRevenue/Description | 0 | Other Miscellaneous Opera |
| IRS990/ProgramServiceRevenue/Description | 1 | Member ATM fees |
| IRS990/ProgramServiceRevenue/Description | 2 | Interest on Loans |
| IRS990/ProgramServiceRevenue/Description | 3 | Interchange Income |
| IRS990/ProgramServiceRevenue/Description | 4 | Fees & Charges |
| IRS990/ProgramServiceRevenuePriorYear | 0 | 447124 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 2182 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 1 | 29230 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 2 | 275312 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 3 | 51015 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 4 | 55047 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 0 | 2182 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 1 | 29230 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 2 | 275312 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 3 | 51015 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 4 | 55047 |
| IRS990/ProhibitedTaxShelterTrans | 0 | false |
| IRS990/ReceivablesFromDisqualPersons/EOY | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtc/EOY | 0 | 0 |
| IRS990/ReconcilationRevenueExpenses | 0 | -89589 |
| IRS990/RegularMonitoringEnforcement | 0 | true |
| IRS990/RelatedEntity | 0 | false |
| IRS990/RelatedOrgControlledEntity | 0 | false |
| IRS990/ReportFin48Footnote | 0 | false |
| IRS990/ReportInvestOthSecurities | 0 | true |
| IRS990/ReportLandBldgEquip | 0 | true |
| IRS990/ReportOtherAssets | 0 | false |
| IRS990/ReportOtherLiabilities | 0 | true |
| IRS990/ReportProgRelInvest | 0 | false |
| IRS990/RetainedEarningsEndowmentEtc/BOY | 0 | 1226182 |
| IRS990/RetainedEarningsEndowmentEtc/EOY | 0 | 1136593 |
| IRS990/RevenuesLessExpensesCY | 0 | -89589 |
| IRS990/RevenuesLessExpensesPriorYear | 0 | -78445 |
| IRS990/RoyaltiesRevenue/TotalRevenueColumn | 0 | 0 |
| IRS990/Royalties/Total | 0 | 0 |
| IRS990/SalariesEtcCurrentYear | 0 | 287827 |
| IRS990/SalariesEtcPriorYear | 0 | 294031 |
| IRS990/SavingsAndTempCashInvestments/BOY | 0 | 3546094 |
| IRS990/SavingsAndTempCashInvestments/EOY | 0 | 3937677 |
| IRS990/ScheduleBRequired | 0 | false |
| IRS990ScheduleD/Equipment/Depreciation | 0 | 433888 |
| IRS990ScheduleD/Equipment/OtherCostOrOtherBasis | 0 | 433888 |
| IRS990ScheduleD/ExcessOrDeficitForYear | 0 | -89589 |
| IRS990ScheduleD/ExcessOrDeficitPerFS | 0 | -89589 |
| IRS990ScheduleD/ExpensesSubtotal | 0 | 660966 |
| IRS990ScheduleD/LeaseholdImprovements/Depreciation | 0 | 92919 |
| IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis | 0 | 92919 |
| IRS990ScheduleD/OtherLandBuildings/BookValue | 0 | 554 |
| IRS990ScheduleD/OtherLandBuildings/Depreciation | 0 | 49817 |
| IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis | 0 | 50371 |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 11925217 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | Member Shares |
| IRS990ScheduleD/RevenueSubtotal | 0 | 571377 |
| IRS990ScheduleD/TotalExpenses | 0 | 660966 |
| IRS990ScheduleD/TotalExpensesPerForm990 | 0 | 660966 |
| IRS990ScheduleD/TotalOfAmounts | 0 | 11925217 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 554 |
| IRS990ScheduleD/TotalOfBookValueSecurities | 0 | 5065800 |
| IRS990ScheduleD/TotalRevenue | 0 | 571377 |
| IRS990ScheduleD/TotalRevenuePerForm990 | 0 | 571377 |
| IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt | 0 | 660966 |
| IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt | 0 | 571377 |
| IRS990/ScheduleJRequired | 0 | false |
| IRS990ScheduleL/LoanTable/ApprovedByBoard | 0 | true |
| IRS990ScheduleL/LoanTable/Default | 0 | false |
| IRS990ScheduleL/LoanTable/LoanFromOrganization | 0 | X |
| IRS990ScheduleL/LoanTable/NameBusiness/BusinessNameLine1 | 0 | No loans requiring reporting |
| IRS990ScheduleL/LoanTable/PurposeOfLoan | 0 | per 10/21/11 Instructions |
| IRS990ScheduleL/LoanTable/WrittenAgreement | 0 | true |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | Mergers, bylaw changes, charter changes and field of membership changes are voted on by entire membership. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 5 | Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 6 | Section 501(c)14 Credit Union is composed of members. |
| IRS990ScheduleO/GeneralExplanation/Identifier | 0 | Form 990, Part VI, Line 19 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 1 | Form 990, Part VI, Line 15b |
| IRS990ScheduleO/GeneralExplanation/Identifier | 2 | Form 990, Part VI, Line 12c |
| IRS990ScheduleO/GeneralExplanation/Identifier | 3 | Form 990, Part VI, Line 11 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 4 | Form 990, Part VI, Line 7b |
| IRS990ScheduleO/GeneralExplanation/Identifier | 5 | Form 990, Part VI, Line 7a |
| IRS990ScheduleO/GeneralExplanation/Identifier | 6 | Form 990, Part VI, Line 6 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | Form 990, Part VI, Line 19: Other Organization Documents Publicly Available |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 3 | Form 990, Part VI, Line 11: Form 990 Review Process |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 4 | Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 5 | Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 6 | Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder |
| IRS990/ScheduleORequired | 0 | true |
| IRS990/School | 0 | false |
| IRS990/SignificantChange | 0 | false |
| IRS990/SignificantNewProgramServices | 0 | false |
| IRS990/StateLegalDomicile | 0 | MI |
| IRS990/SubjectToProxyTax | 0 | false |
| IRS990/TaxableDistributions | 0 | false |
| IRS990/TaxablePartyNotification | 0 | false |
| IRS990/TaxExemptBonds | 0 | false |
| IRS990/Terminated | 0 | false |
| IRS990/TermOrPermanentEndowments | 0 | false |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | 18720 Thirteen Mile Road |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | Roseville |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | MI |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 48066 |
| IRS990/TheBooksAreInCareOf/NamePerson | 0 | Frances Pierce |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 5867739112 |
| IRS990/TotalAssets/BOY | 0 | 12438176 |
| IRS990/TotalAssetsBOY | 0 | 12438176 |
| IRS990/TotalAssets/EOY | 0 | 13110167 |
| IRS990/TotalAssetsEOY | 0 | 13110167 |
| IRS990/TotalCompGT150K | 0 | false |
| IRS990/TotalContributions | 0 | 0 |
| IRS990/TotalExpensesCurrentYear | 0 | 660966 |
| IRS990/TotalExpensesPriorYear | 0 | 737031 |
| IRS990/TotalFunctionalExpenses/Fundraising | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ManagementAndGeneral | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ProgramServices | 0 | 0 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 660966 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 6372 |
| IRS990/TotalLiabilities/BOY | 0 | 11211994 |
| IRS990/TotalLiabilitiesBOY | 0 | 11211994 |
| IRS990/TotalLiabilities/EOY | 0 | 11973574 |
| IRS990/TotalLiabilitiesEOY | 0 | 11973574 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 12438176 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 13110167 |
| IRS990/TotalNbrEmployees | 0 | 9 |
| IRS990/TotalNbrVolunteers | 0 | 13 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | 1226182 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | 1136593 |
| IRS990/TotalOtherCompensation | 0 | 9000 |
| IRS990/TotalOtherRevenue | 0 | 6372 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProgramServiceRevenue | 0 | 412786 |
| IRS990/TotalReportableCompFromOrg | 0 | 107259 |
| IRS990/TotalRevenueCurrentYear | 0 | 571377 |
| IRS990/TotalRevenuePriorYear | 0 | 658586 |
| IRS990/TotalRevenue/RelatedOrExemptFunctionIncome | 0 | 565005 |
| IRS990/TotalRevenue/TotalRevenueColumn | 0 | 571377 |
| IRS990/TotalRevenue/UnrelatedBusinessRevenue | 0 | 6372 |
| IRS990/TransactionRelatedEntity | 0 | false |
| IRS990/TransfersToExemptNonChrtblOrg | 0 | false |
| IRS990/TravelEntrtnmntPublicOfficials/Total | 0 | 0 |
| IRS990/Travel/Total | 0 | 4844 |
| IRS990/TypeOfOrganizationCorporation | 0 | X |
| IRS990/UnrelatedBusinessIncome | 0 | true |
| IRS990/UponRequest | 0 | X |
| IRS990/WebSite | 0 | www.arccu.com |
| IRS990/WhistleblowerPolicy | 0 | false |
| IRS990/WrittenPolicyOrProcedure | 0 | false |
| IRS990/YearFormation | 0 | 1966 |
| ReturnHeader/BuildTS | 0 | 2016-02-24 21:20:13Z |
| ReturnHeader/Filer/EIN | 0 | 381861541 |
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Displayed year
2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.