Civic Intelligence

Guardian Credit Union

990 • Fiscal year 2013 • EIN 39-0334442

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 17, 2014

Organization ProfileWWW.GUARDIANCU.ORG

View Organization Page

4501 West Greenfield AvenueOak Creek, WI 53214

(414) 546-7450

Siviq Scores

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

Liabilities / Assets

94th percentile

0.93x

Higher debt load relative to assets than 94% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

25th percentile

14.55x

Higher debt load relative to revenue than 25% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

26th percentile

5.2%

Higher net margin than 26% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

90th percentile

$325,709

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Asset Growth

47th percentile

2.4%

Faster asset growth than 47% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2012 to 2013

Revenue Growth

21st percentile

-7.0%

Faster revenue growth than 21% of similar nonprofits.

2013 filings • $100M-$250M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets94th percentile

Assets

Up

$230,958,646

Up $5,514,431 (+2.4%) from 2012

Net Assets

Up

$16,658,144

Up $763,752 (+4.8%) from 2012

Liabilities

Up

$214,300,502

Up $4,750,679 (+2.3%) from 2012

Revenue And Expenses
Liabilities / Revenue25th percentileNet Margin26th percentile

Revenue

Down

$14,724,330

Down $1,102,919 (-7.0%) from 2012

Expenses

Down

$13,960,578

Down $1,205,864 (-8.0%) from 2012

Net Income

Up

$763,752

Up $102,945 (+16%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth47th percentile

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

$300M$200M$100M$0Assets 2010: $227,274,206Liabilities 2010: $212,358,752Net Assets 2010: $14,915,4542010Assets 2011: $232,742,105Liabilities 2011: $217,508,520Net Assets 2011: $15,233,5852011Assets 2012: $225,444,215Liabilities 2012: $209,549,823Net Assets 2012: $15,894,3922012Assets 2013: $230,958,646Liabilities 2013: $214,300,502Net Assets 2013: $16,658,1442013Assets 2014: $236,869,206Liabilities 2014: $219,888,571Net Assets 2014: $16,980,6352014Assets 2015: $212,166,149Liabilities 2015: $199,317,384Net Assets 2015: $12,848,7652015Assets 2017: $220,969,713Liabilities 2017: $209,367,101Net Assets 2017: $11,602,6122017Assets 2018: $218,385,051Liabilities 2018: $205,827,561Net Assets 2018: $12,557,4902018Assets 2019: $220,222,269Liabilities 2019: $206,536,353Net Assets 2019: $13,685,9162019Assets 2020: $258,616,027Liabilities 2020: $243,210,438Net Assets 2020: $15,405,5892020Assets 2021: $291,729,738Liabilities 2021: $274,897,983Net Assets 2021: $16,831,7552021Assets 2022: $299,131,621Liabilities 2022: $280,635,110Net Assets 2022: $18,496,5112022Assets 2024: $284,248,790Liabilities 2024: $262,042,199Net Assets 2024: $22,206,5912024

Highlighted filing

2013

Assets$230,958,646
Liabilities$214,300,502
Net Assets$16,658,144
Open 2013 Filing

Operations Trend

Revenue Growth21st percentile

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

$20M$10M$0-$10MExpenses 2010: $18,797,5632010Revenue 2011: $14,781,534Expenses 2011: $14,463,403Net Income 2011: $318,1312011Revenue 2012: $15,827,249Expenses 2012: $15,166,442Net Income 2012: $660,8072012Revenue 2013: $14,724,330Expenses 2013: $13,960,578Net Income 2013: $763,7522013Revenue 2014: $12,620,114Expenses 2014: $12,297,623Net Income 2014: $322,4912014Revenue 2015: $11,233,892Expenses 2015: $15,365,760Net Income 2015: -$4,131,8682015Revenue 2017: $12,463,293Expenses 2017: $14,110,914Net Income 2017: -$1,647,6212017Revenue 2018: $12,999,926Expenses 2018: $12,045,047Net Income 2018: $954,8792018Revenue 2019: $12,475,827Expenses 2019: $11,347,405Net Income 2019: $1,128,4222019Revenue 2020: $12,472,112Expenses 2020: $10,752,439Net Income 2020: $1,719,6732020Revenue 2021: $12,852,827Expenses 2021: $11,426,661Net Income 2021: $1,426,1662021Revenue 2022: $13,498,485Expenses 2022: $11,833,729Net Income 2022: $1,664,7562022Revenue 2024: $17,242,708Expenses 2024: $15,721,920Net Income 2024: $1,520,7882024

Highlighted filing

2013

Revenue$14,724,330
Expenses$13,960,578
Net Income$763,752
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 17, 2014
Return Version
2013v3.0
Gross Receipts
$17,119,469
Mission and Program Overview

Mission

Guardian credit union is a not for profit member owned financial cooperative dedicated to being the member's primary financial institution by providing superior, comprehensive, courteous and prompt services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$167,064,827$169,833,693▲ $2,768,866
Rtn Earn Endowment Incm Other Fnds$15,894,392$16,658,144▲ $763,752
Land, Buildings, and Equipment, Net$13,982,384$14,458,108▲ $475,724
Savings and Temporary Cash Investments$11,664,964$12,082,928▲ $417,964
Investments Program Related$10,442,392$9,740,285▼ $702,107
Cash and Non-Interest-Bearing Accounts$3,673,537$4,639,562▲ $966,025
Prepaid Expenses and Deferred Charges$3,059,035$3,853,086▲ $794,051
Intangible Assets$248,639--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$225,444,215$230,958,646▲ $5,514,431
Other Assets Total$15,308,437$16,350,984▲ $1,042,547
Liabilities
Other Liabilities$179,053,142$183,459,024▲ $4,405,882
Mortgage Notes Payable Secured by Investment Property$29,500,000$29,500,000→ $0
Accounts Payable and Accrued Expenses$903,288$1,242,939▲ $339,651
Escrow Account Liability$93,393$98,539▲ $5,146
Total Liabilities$209,549,823$214,300,502▲ $4,750,679
Net Assets / Fund Balance
Total Net Assets Fund Balance$15,894,392$16,658,144▲ $763,752
Total Liabilities and Net Assets / Fund Balance$225,444,215$230,958,646▲ $5,514,431

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,511,998$3,292,034$12,804,032
Equipment$2,506,190$4,063,794$6,569,984
Land$2,439,920-$2,439,920
Other Assets Org$5,932,087--
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Steve WessonCEO/treasurerFT$242,907$82,802$325,709
Kevin NitkaCFOFT$140,028$70,242$210,270
Douglas MillerSecretary-$3,900-$3,900
Robert JelinekChairman-$3,900-$3,900
Darci MiddaughDirector-$3,300-$3,300
Jonathan RiganoVice-chairman-$3,300-$3,300
Robert GibbonsDirector Emeritus-$3,300-$3,300
Warren SladkyDirector-$3,300-$3,300
William LatourDirector-$3,300-$3,300
John BosbousDirector-$1,800-$1,800
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$13,927,287
Investment Income
$-439,645
Other Revenue
$1,236,688
Change in Net Assets
$763,752
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,142,690
Salaries, Compensation, and Employee Benefits$5,331,106
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,733,777
Office Expenses---$2,431,254
Interest---$1,306,063
Depreciation Depletion---$742,863
Occupancy---$629,795
Current Officers, Directors, Trustees, and Key Employees---$562,079
Other Employee Benefits---$559,981
Benefits to Members---$486,782
Payroll Taxes---$420,109
Advertising---$332,087
Fees for Services Other---$233,514
Insurance---$149,868
Travel---$79,123
Pension Plan Contributions---$55,160
Other Expenses---$38,294
Total Functional Expenses$0$0$0$13,960,578
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$183,459,024
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has members who are owners of the credit union and annually elect members of the governing body. All members have the same voting rights.”

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

“Members vote annually to elect the governing body.”

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

“Decisions of the governing body subject to approval by members include merger or name change.”

Form 990, Part VI, Section B, Line 11

“The form 990 is added to the monthly board meeting agenda and reviewed by the board of directors prior to filing.”

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

“The credit union has employees sign a conflict of interest statement on an annual basis. If a conflict of interest were to be discovered during the course of the year, it would be reported by our vp of audit and compliance to the audit committee of guardian credit union.”

Form 990, Part VI, Section B, Line 15

“The process for determining compensation for top management officials, officers, and key employess is based on market reviews for credit unions in our region and based on asset size. This process was last completed in 2013.”

Form 990, Part VI, Section C, Line 19

“Financial statements are available to the public upon request.”

Filing and Contact Details

Filer

EIN
39-0334442
Phone
4145467450

Signing Officer

Name
Steve Wesson
Title
CEO
Phone
4145467450
Signed
2014-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steve Wesson
Formed
1934
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
158
Volunteers
8

Preparer

Preparer
Lowell Foster
Phone
5074347000
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2B:

“As allowed by state regulatory authorities, the audit is done as of june 30. The reporting period for the audit, therefore, does not match the reporting period for the 990.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union services first mortgage loans sold. Custodial escrow balances are maintained in connection with these loans.”

Raw XML AppendixShowing 400 of 438 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/OtherRevenueTotalAmt01236688
IRS990/OtherSalariesAndWagesGrp/TotalAmt03733777
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0167064827
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0169833693
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0420109
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt055160
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt03059035
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03853086
IRS990/PrincipalOfficerNm0STEVE WESSON
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06762747
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13858842
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt23258433
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06762747
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13906107
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23258433
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt047265
IRS990/ProgSrvcAccomActy2Grp/Desc0WE HAVE OVER $121 MILLION IN CONSUMER LOANS OUTSTANDING. IN ADDITION, WE SERVICE OVER $333 MILLION IN 1ST MORTGAGE LOANS INCLUDING $12 MILLION IN COMMERCIAL REAL ESTATE LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0WE HAVE TOTAL DEPOSITS IN EXCESS OF $183 MILLION INCLUDING REGULAR SAVINGS, CHECKING, CERTIFICATES OF DEPOSIT, IRA'S, HEALTH SAVINGS ACCOUNTS, CHRISTMAS CLUB AND YOUTH SAVINGS ACCOUNTS. 15,275 OF OUR MEMBERS HAVE A CHECKING ACCOUNT WITH US WHICH IS 45% OF OUR TOTAL MEMBERSHIP. MANY OF OUR CHECKING ACCOUNT MEMBERS USE DIRECT DEPOSIT AND OTHER ELECTRONIC DELIVERY CHANNELS SUCH AS INTERNET BANKING AND BILL PAYMENT.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0713609
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0-25483
IRS990/PYOtherExpensesAmt09230827
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt015852732
IRS990/PYRevenuesLessExpensesAmt0660807
IRS990/PYSalariesCompEmpBnftPaidAmt05222006
IRS990/PYTotalExpensesAmt015166442
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt015827249
IRS990/ReconcilationRevenueExpnssAmt0763752
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt015894392
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt016658144
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011664964
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012082928
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt09511998
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03292034
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt012804032
IRS990ScheduleD/EquipmentGrp/BookValueAmt02506190
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04063794
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06569984
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt02439920
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02439920
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt07205776
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1892220
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt21873344
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3447557
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt45932087
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0FORECLOSED ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1LOANS HELD FOR SALE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ACCRUED INTEREST INCOME
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4OTHER ASSETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0183459024
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION SERVICES FIRST MORTGAGE LOANS SOLD. CUSTODIAL ESCROW BALANCES ARE MAINTAINED IN CONNECTION WITH THESE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt014458108
IRS990ScheduleD/TotalBookValueOtherAssetsAmt016350984
IRS990ScheduleD/TotalLiabilityAmt0183459024
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0242907
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1140028
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt052426
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt139203
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt030376
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt131039
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0STEVE WESSON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1KEVIN NITKA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/TREASURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0325709
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1210270
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THERE IS A VEHICLE ALLOWANCE FOR THE CEO.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1STEVE WESSON, CEO - PARTICIPATED IN SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN KEVIN NITKA, CFO - PARTICIPATED IN SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1A
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS WHO ARE OWNERS OF THE CREDIT UNION AND ANNUALLY ELECT MEMBERS OF THE GOVERNING BODY. ALL MEMBERS HAVE THE SAME VOTING RIGHTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS VOTE ANNUALLY TO ELECT THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DECISIONS OF THE GOVERNING BODY SUBJECT TO APPROVAL BY MEMBERS INCLUDE MERGER OR NAME CHANGE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS ADDED TO THE MONTHLY BOARD MEETING AGENDA AND REVIEWED BY THE BOARD OF DIRECTORS PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION HAS EMPLOYEES SIGN A CONFLICT OF INTEREST STATEMENT ON AN ANNUAL BASIS. IF A CONFLICT OF INTEREST WERE TO BE DISCOVERED DURING THE COURSE OF THE YEAR, IT WOULD BE REPORTED BY OUR VP OF AUDIT AND COMPLIANCE TO THE AUDIT COMMITTEE OF GUARDIAN CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PROCESS FOR DETERMINING COMPENSATION FOR TOP MANAGEMENT OFFICIALS, OFFICERS, AND KEY EMPLOYESS IS BASED ON MARKET REVIEWS FOR CREDIT UNIONS IN OUR REGION AND BASED ON ASSET SIZE. THIS PROCESS WAS LAST COMPLETED IN 2013.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7AS ALLOWED BY STATE REGULATORY AUTHORITIES, THE AUDIT IS DONE AS OF JUNE 30. THE REPORTING PERIOD FOR THE AUDIT, THEREFORE, DOES NOT MATCH THE REPORTING PERIOD FOR THE 990.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2B:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0225444215
IRS990/TotalAssetsEOYAmt0230958646
IRS990/TotalAssetsGrp/BOYAmt0225444215
IRS990/TotalAssetsGrp/EOYAmt0230958646
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt0158
IRS990/TotalFunctionalExpensesGrp/TotalAmt013960578
IRS990/TotalGrossUBIAmt047265
IRS990/TotalLiabilitiesBOYAmt0209549823
IRS990/TotalLiabilitiesEOYAmt0214300502
IRS990/TotalLiabilitiesGrp/BOYAmt0209549823
IRS990/TotalLiabilitiesGrp/EOYAmt0214300502
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt015894392
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt016658144
IRS990/TotalOtherCompensationAmt0153044
IRS990/TotalProgramServiceRevenueAmt013927287
IRS990/TotalReportableCompFromOrgAmt0409035
IRS990/TotalRevenueGrp/ExclusionAmt0-439645
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt015116710
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt014724330
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt047265
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0225444215
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0230958646
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt079123

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$230,958,646
Liabilities
$214,300,502
Net assets
$16,658,144
Revenue
$14,724,330
Expenses
$13,960,578
Net income
$763,752
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$284$262$22.2$17.2$15.7$1.52
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$299$281$18.5$13.5$11.8$1.66
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$292$275$16.8$12.9$11.4$1.43
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$259$243$15.4$12.5$10.8$1.72
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$220$207$13.7$12.5$11.3$1.13
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$218$206$12.6$13.0$12.0$0.95
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$221$209$11.6$12.5$14.1$1.65
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$212$199$12.8$11.2$15.4$4.13
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$237$220$17.0$12.6$12.3$0.32
2013Detailed filing. Detailed filing data is available for this year.$231$214$16.7$14.7$14.0$0.76
2012Summary only. Only limited summary data is available for this year.$225$210$15.9$15.8$15.2$0.66
2011Summary only. Only limited summary data is available for this year.$233$218$15.2$14.8$14.5$0.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$227$212$14.9$18.8