Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2015 • EIN 38-1987607

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 23, 2016

Organization ProfileDDCCU.COM
34857 S Townline RdDrummond Island, MI 49726

(906) 493-5263

Siviq Scores

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

Liabilities / Assets

60th percentile

0.89x

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

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

64th percentile

22.60x

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

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

11th percentile

-3.2%

Higher net margin than 11% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

15th percentile

$54,542

Higher top officer pay than 15% of similar nonprofits.

Top officer pay equals 4.4% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

5th percentile

-3.9%

Faster asset growth than 5% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

46th percentile

0.8%

Faster revenue growth than 46% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets60th percentile

Assets

Down

$31,594,611

Down $1,269,164 (-3.9%) from 2014

Net Assets

Down

$3,524,575

Down $63,116 (-1.8%) from 2014

Liabilities

Down

$28,070,036

Down $1,206,048 (-4.1%) from 2014

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin11th percentile

Revenue

Up

$1,241,775

Up $9,693 (+0.8%) from 2014

Expenses

Up

$1,281,633

Up $223,299 (+21%) from 2014

Net Income

Down

-$39,858

Down $213,606 (-123%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth5th percentile

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

$60M$40M$20M$0Assets 2010: $32,230,947Liabilities 2010: $29,241,927Net Assets 2010: $2,989,0202010Assets 2011: $30,228,107Liabilities 2011: $27,004,243Net Assets 2011: $3,223,8642011Assets 2012: $29,771,218Liabilities 2012: $26,424,240Net Assets 2012: $3,346,9782012Assets 2013: $31,417,060Liabilities 2013: $28,003,117Net Assets 2013: $3,413,9432013Assets 2014: $32,863,775Liabilities 2014: $29,276,084Net Assets 2014: $3,587,6912014Assets 2015: $31,594,611Liabilities 2015: $28,070,036Net Assets 2015: $3,524,5752015Assets 2016: $31,878,331Liabilities 2016: $28,000,555Net Assets 2016: $3,877,7762016Assets 2017: $32,789,446Liabilities 2017: $28,929,506Net Assets 2017: $3,859,9402017Assets 2018: $32,785,455Liabilities 2018: $28,474,515Net Assets 2018: $4,310,9402018Assets 2019: $33,526,133Liabilities 2019: $28,471,142Net Assets 2019: $5,054,9912019Assets 2020: $39,219,890Liabilities 2020: $33,714,046Net Assets 2020: $5,505,8442020Assets 2021: $44,208,077Liabilities 2021: $38,889,061Net Assets 2021: $5,319,0162021Assets 2022: $43,137,692Liabilities 2022: $38,464,656Net Assets 2022: $4,673,0362022Assets 2023: $38,561,038Liabilities 2023: $32,965,886Net Assets 2023: $5,595,1522023Assets 2024: $36,684,119Liabilities 2024: $30,483,236Net Assets 2024: $6,200,8832024

Highlighted filing

2015

Assets$31,594,611
Liabilities$28,070,036
Net Assets$3,524,575
Open 2015 Filing

Operations Trend

Revenue Growth46th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,214,3432010Expenses 2011: $1,101,2372011Expenses 2012: $1,219,8742012Revenue 2013: $1,154,273Expenses 2013: $1,087,308Net Income 2013: $66,9652013Revenue 2014: $1,232,082Expenses 2014: $1,058,334Net Income 2014: $173,7482014Revenue 2015: $1,241,775Expenses 2015: $1,281,633Net Income 2015: -$39,8582015Revenue 2016: $1,318,855Expenses 2016: $995,524Net Income 2016: $323,3312016Revenue 2017: $1,291,741Expenses 2017: $1,234,471Net Income 2017: $57,2702017Revenue 2018: $1,363,698Expenses 2018: $841,591Net Income 2018: $522,1072018Revenue 2019: $1,413,744Expenses 2019: $1,038,323Net Income 2019: $375,4212019Revenue 2020: $1,347,100Expenses 2020: $1,087,626Net Income 2020: $259,4742020Revenue 2021: $1,224,914Expenses 2021: $1,103,464Net Income 2021: $121,4502021Revenue 2022: $1,424,838Expenses 2022: $1,145,514Net Income 2022: $279,3242022Revenue 2023: $1,936,310Expenses 2023: $1,237,635Net Income 2023: $698,6752023Revenue 2024: $1,633,579Expenses 2024: $1,287,027Net Income 2024: $346,5522024

Highlighted filing

2015

Revenue$1,241,775
Expenses$1,281,633
Net Income-$39,858
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 23, 2016
Return Version
2015v2.1
Gross Receipts
$1,241,775
Mission and Program Overview

Mission

Promotion of thrift and providing low cost credit for its members through mutual and nonprofit operations.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$15,577,298$15,822,985▲ $245,687
Savings and Temporary Cash Investments$15,647,229$14,032,620▼ $1,614,609
Rtn Earn Endowment Incm Other Fnds$3,587,691$3,524,575▼ $63,116
Cash and Non-Interest-Bearing Accounts$488,430$651,329▲ $162,899
Land, Buildings, and Equipment, Net$413,563$393,424▼ $20,139
Receivables From Officers Etc$171,879$151,364▼ $20,515
Prepaid Expenses and Deferred Charges$50,640$37,123▼ $13,517
Total Assets$32,863,775$31,594,611▼ $1,269,164
Other Assets Total$514,736$505,766▼ $8,970
Liabilities
Other Liabilities$29,182,829$27,500,986▼ $1,681,843
Unsecured Notes Loans Payable-$450,000-
Accounts Payable and Accrued Expenses$93,255$119,050▲ $25,795
Total Liabilities$29,276,084$28,070,036▼ $1,206,048
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,587,691$3,524,575▼ $63,116
Total Liabilities and Net Assets / Fund Balance$32,863,775$31,594,611▼ $1,269,164

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$312,873$298,709-
Land$27,719--
Equipment$52,832$377,880-
Compensation and Service Providers
Top Officer Pay15th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Hilary FountainManager / CeFT$48,280$6,262$54,542

Board Members and Trustees

NameTitle
Eldon SeamanChairperson
Craig MillerVice Chairpe
Blaine TischerBoard Member
Hubert HolmbergBoard Member
Michael MacdonaldBoard Member
Michael SkinnerBoard Member
Murray FountainSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$982,263
Investment Income
$190,512
Other Revenue
$69,000
Change in Net Assets
$-39,858
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$899,005
Salaries, Compensation, and Employee Benefits$382,628
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$232,373--$232,373
Interest$195,471--$195,471
All Other Expenses$195,063--$195,063
Depreciation Depletion$53,986--$53,986
Other Employee Benefits$49,466--$49,466
Current Officers, Directors, Trustees, and Key Employees$48,280--$48,280
Other Expenses$39,830--$39,830
Payroll Taxes$29,450--$29,450
Pension Plan Contributions$23,059--$23,059
Occupancy$18,299--$18,299
Office Expenses$13,255--$13,255
Fees for Services Accounting$12,450--$12,450
Conferences and Meetings$2,540--$2,540
Total Functional Expenses$1,281,633$0$0$1,281,633
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$171,879$151,364▼ $20,515
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES AND SAVINGS$27,504,710
Shared Branching Settlement$-3,724
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
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“Form 990 is reviewed by management and a copy is provided to public upon request.”

Form 990, Page 6, Part VI, Line 15A

“Form 990 part vi section b line 15a) reviewed quarterly by the board of directors.”

Form 990, Page 6, Part VI, Line 19

“Financials are posted on the bulletin board and available upon request.”

Filing and Contact Details

Filer

Filer Name
Detour Drummond Community Credit Un
EIN
38-1987607
Address
34857 S TOWNLINE RD, DRUMMOND ISLAND, MI 49726

Signing Officer

Name
Hilary Fountain
Title
Manager / CEO
Phone
9064935263
Signed
2016-04-23

Organization Details

Principal Officer
Hilary Fountain
Formed
1960
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
1
Employees
9

Preparer

Firm
Andersontackman & Company Plc
Address
16978 S RILEY AVE, KINCHELOE, MI 49788
Preparer
Amber Mack CPA
Phone
9064955952
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Atm fees 29,043 0 0 credit card expense 28,441 0 0 loan processing -oreo 28,137 0 0 insurances 21,297 0 0 officials 17,949 0 0 consultant fees 15,793 0 0 educational and promotion 15,094 0 0 communications 13,206 0 0 examination fees 10,805 0 0 other 5,037 0 0 collection 3,242 0 0 association dues 2,979 0 0 credit bureau fees 2,869 0 0 member insurance 1,101 0 0 cash over/short 70 0 0”

Raw XML AppendixShowing 400 of 429 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/BOYAmt093255
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0119050
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROMOTION OF THRIFT AND PROVIDING LOW COST CREDIT FOR ITS MEMBERS THROUGH MUTUAL AND NONPROFIT OPERATIONS.
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0195063
IRS990/AllOtherExpensesGrp/TotalAmt0195063
IRS990/BooksInCareOfDetail/PersonNm0SUSAN VIILO
IRS990/BooksInCareOfDetail/PhoneNum09064935263
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt034857 S TOWNLINE ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0DRUMMOND ISLAND
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049726
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0488430
IRS990/CashNonInterestBearingGrp/EOYAmt0651329
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt048280
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt048280
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt02540
IRS990/ConferencesMeetingsGrp/TotalAmt02540
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0190512
IRS990/CYOtherExpensesAmt0899005
IRS990/CYOtherRevenueAmt069000
IRS990/CYProgramServiceRevenueAmt0982263
IRS990/CYRevenuesLessExpensesAmt0-39858
IRS990/CYSalariesCompEmpBnftPaidAmt0382628
IRS990/CYTotalExpensesAmt01281633
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01241775
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt053986
IRS990/DepreciationDepletionGrp/TotalAmt053986
IRS990/Desc0PROMOTION OF THRIFT AND PROVIDING LOW COST CREDIT FOR ITS MEMBERS THROUGH MUTUAL AND NONPROFIT OPERATION.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt09
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt01281633
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt012450
IRS990/FeesForServicesAccountingGrp/TotalAmt012450
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/OtherCompensationAmt76262
IRS990/Form990PartVIISectionAGrp/PersonNm0ELDON SEAMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1CRAIG MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm2MURRAY FOUNTAIN
IRS990/Form990PartVIISectionAGrp/PersonNm3HUBERT HOLMBERG
IRS990/Form990PartVIISectionAGrp/PersonNm4BLAINE TISCHER
IRS990/Form990PartVIISectionAGrp/PersonNm5MICHAEL SKINNER
IRS990/Form990PartVIISectionAGrp/PersonNm6MICHAEL MACDONALD
IRS990/Form990PartVIISectionAGrp/PersonNm7HILARY FOUNTAIN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt748280
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/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPE
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TR
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7MANAGER / CE
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01960
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01241775
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/ProgramServicesAmt0195471
IRS990/InterestGrp/TotalAmt0195471
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0190512
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0190512
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt0532
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0676589
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0413563
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0393424
IRS990/LandBldgEquipCostOrOtherBssAmt01070013
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROMOTION OF THRIFT AND PROVIDING LOW COST CREDIT FOR ITS MEMBERS THROUGH MUTUAL AND NONPROFIT OPERATIONS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03587691
IRS990/NetAssetsOrFundBalancesEOYAmt03524575
IRS990/NetUnrlzdGainsLossesInvstAmt0-23258
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt018299
IRS990/OccupancyGrp/TotalAmt018299
IRS990/OfficeExpensesGrp/ProgramServicesAmt013255
IRS990/OfficeExpensesGrp/TotalAmt013255
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0514736
IRS990/OtherAssetsTotalGrp/EOYAmt0505766
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt049466
IRS990/OtherEmployeeBenefitsGrp/TotalAmt049466
IRS990/OtherExpensesGrp/Desc0LOSS ON ASSET SALE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2DATA PROCESSING
IRS990/OtherExpensesGrp/Desc3TRAVELERS SERVICE CHARGE
IRS990/OtherExpensesGrp/ProgramServicesAmt0147625
IRS990/OtherExpensesGrp/ProgramServicesAmt1145377
IRS990/OtherExpensesGrp/ProgramServicesAmt275109
IRS990/OtherExpensesGrp/ProgramServicesAmt339830
IRS990/OtherExpensesGrp/TotalAmt0147625
IRS990/OtherExpensesGrp/TotalAmt1145377
IRS990/OtherExpensesGrp/TotalAmt275109
IRS990/OtherExpensesGrp/TotalAmt339830
IRS990/OtherLiabilitiesGrp/BOYAmt029182829
IRS990/OtherLiabilitiesGrp/EOYAmt027500986
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/Desc0INTERCHANGE INCOME
IRS990/OtherRevenueMiscGrp/Desc1MISCELLANEOUS
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt038044
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt130956
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt038044
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt130956
IRS990/OtherRevenueTotalAmt069000
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0232373
IRS990/OtherSalariesAndWagesGrp/TotalAmt0232373
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt015577298
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt015822985
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt029450
IRS990/PayrollTaxesGrp/TotalAmt029450
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt023059
IRS990/PensionPlanContributionsGrp/TotalAmt023059
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt050640
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt037123
IRS990/PrincipalOfficerNm0HILARY FOUNTAIN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0930946
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt151317
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0930946
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt151317
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0185492
IRS990/PYOtherExpensesAmt0697660
IRS990/PYOtherRevenueAmt067691
IRS990/PYProgramServiceRevenueAmt0978899
IRS990/PYRevenuesLessExpensesAmt0173748
IRS990/PYSalariesCompEmpBnftPaidAmt0360674
IRS990/PYTotalExpensesAmt01058334
IRS990/PYTotalRevenueAmt01232082
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0171879
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0151364
IRS990/ReconcilationRevenueExpnssAmt0-39858
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03587691
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03524575
IRS990/SavingsAndTempCashInvstGrp/BOYAmt015647229
IRS990/SavingsAndTempCashInvstGrp/EOYAmt014032620
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0312873
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0298709
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0611582
IRS990ScheduleD/EquipmentGrp/BookValueAmt052832
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0377880
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0430712
IRS990ScheduleD/LandGrp/BookValueAmt027719
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt027719
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt027504710
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1-3724
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES AND SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARED BRANCHING SETTLEMENT
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0393424
IRS990ScheduleD/TotalLiabilityAmt027500986
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt042594
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt129693
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt221498
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt316877
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt416477
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt58734
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt65452
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt73748
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt83148
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt93143
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/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/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/LoanPurposeTxt0MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6PERSONAL LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7TRACTOR LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8BOAT LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9PERSONAL LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0143300
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt193000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt225500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt330000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt440280
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt517000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt66000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt720000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt814000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt93000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0CRAIG MILLER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1ELDON SEAMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2CRAIG MILLER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3MICHAEL SKINNER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4MURRAY FOUNTAIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5MICHAEL MACDONALD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6CRAIG MILLER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7BLAINE TISCHER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8BLAINE TISCHER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9MURRAY FOUNTAIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0VICE CHAIR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2VICE CHAIR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4TREASURER/SECRETARY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6VICE CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt9SECRETARY/TREASURER
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/TotalBalanceDueAmt0151364
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 IS REVIEWED BY MANAGEMENT AND A COPY IS PROVIDED TO PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FORM 990 PART VI SECTION B LINE 15A) REVIEWED QUARTERLY BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FINANCIALS ARE POSTED ON THE BULLETIN BOARD AND AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ATM FEES 29,043 0 0 CREDIT CARD EXPENSE 28,441 0 0 LOAN PROCESSING -OREO 28,137 0 0 INSURANCES 21,297 0 0 OFFICIALS 17,949 0 0 CONSULTANT FEES 15,793 0 0 EDUCATIONAL AND PROMOTION 15,094 0 0 COMMUNICATIONS 13,206 0 0 EXAMINATION FEES 10,805 0 0 OTHER 5,037 0 0 COLLECTION 3,242 0 0 ASSOCIATION DUES 2,979 0 0 CREDIT BUREAU FEES 2,869 0 0 MEMBER INSURANCE 1,101 0 0 CASH OVER/SHORT 70 0 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART IX, LINE 24E
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt032863775
IRS990/TotalAssetsEOYAmt031594611
IRS990/TotalAssetsGrp/BOYAmt032863775
IRS990/TotalAssetsGrp/EOYAmt031594611
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01281633
IRS990/TotalFunctionalExpensesGrp/TotalAmt01281633
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt029276084
IRS990/TotalLiabilitiesEOYAmt028070036
IRS990/TotalLiabilitiesGrp/BOYAmt029276084
IRS990/TotalLiabilitiesGrp/EOYAmt028070036
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03587691
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03524575
IRS990/TotalOtherCompensationAmt06262
IRS990/TotalProgramServiceExpensesAmt01281633
IRS990/TotalProgramServiceRevenueAmt0982263
IRS990/TotalReportableCompFromOrgAmt048280
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01241775
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01241775
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt032863775
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt031594611
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0450000
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$31,594,611
Liabilities
$28,070,036
Net assets
$3,524,575
Revenue
$1,241,775
Expenses
$1,281,633
Net income
-$39,858
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.7$30.5$6.20$1.63$1.29$0.35
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.6$33.0$5.60$1.94$1.24$0.70
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.1$38.5$4.67$1.42$1.15$0.28
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$44.2$38.9$5.32$1.22$1.10$0.12
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$39.2$33.7$5.51$1.35$1.09$0.26
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.5$28.5$5.05$1.41$1.04$0.38
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.8$28.5$4.31$1.36$0.84$0.52
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.8$28.9$3.86$1.29$1.23$0.06
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.9$28.0$3.88$1.32$1.00$0.32
2015Detailed filing. Detailed filing data is available for this year.$31.6$28.1$3.52$1.24$1.28$0.04
2014Detailed filing. Detailed filing data is available for this year.$32.9$29.3$3.59$1.23$1.06$0.17
2013Detailed filing. Detailed filing data is available for this year.$31.4$28.0$3.41$1.15$1.09$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.8$26.4$3.35$1.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.2$27.0$3.22$1.10
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.2$29.2$2.99$1.21