Civic Intelligence

Prime Financial Credit Union

EIN 39-0477300 • 501(c)14 • Cudahy, WI

Profile

The credit union offers its members financial solutions including a variety of saving, checking, investment and lending programs. Members rely on pfcu to not only assist them in growing their savings but to help them save money when needing to borrow funds.

Refreshing map…

5656 South Packard AvenueCudahy, WI 53110

www.primefinancialcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

63rd percentile

0.90x

Higher debt load relative to assets than 63% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

16th percentile

11.57x

Higher debt load relative to revenue than 16% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

45th percentile

11%

Higher net margin than 45% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

62nd percentile

$258,429

Higher top officer pay than 62% of similar nonprofits.

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

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

56th percentile

3.5%

Faster asset growth than 56% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

80th percentile

21%

Faster revenue growth than 80% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Assets

$154,162,580

No earlier filing loaded for comparison.

Liabilities

$139,003,262

No earlier filing loaded for comparison.

Net Assets

$15,159,318

No earlier filing loaded for comparison.

Revenue

$12,014,626

No earlier filing loaded for comparison.

Expenses

$10,749,750

No earlier filing loaded for comparison.

Net Income

$1,264,876

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2010: $134,878,809Liabilities 2010: $129,620,188Net Assets 2010: $5,258,6212010Assets 2011: $124,600,162Liabilities 2011: $118,807,296Net Assets 2011: $5,792,8662011Assets 2012: $118,845,988Liabilities 2012: $112,132,457Net Assets 2012: $6,713,5312012Assets 2013: $105,812,050Liabilities 2013: $98,417,465Net Assets 2013: $7,394,5852013Assets 2014: $108,773,609Liabilities 2014: $100,473,621Net Assets 2014: $8,299,9882014Assets 2015: $110,711,672Liabilities 2015: $102,004,751Net Assets 2015: $8,706,9212015Assets 2017: $109,507,519Liabilities 2017: $100,147,605Net Assets 2017: $9,359,9142017Assets 2018: $109,273,878Liabilities 2018: $99,407,874Net Assets 2018: $9,866,0042018Assets 2019: $113,060,146Liabilities 2019: $102,410,106Net Assets 2019: $10,650,0402019Assets 2020: $131,652,247Liabilities 2020: $120,864,600Net Assets 2020: $10,787,6472020Assets 2021: $141,769,276Liabilities 2021: $130,645,464Net Assets 2021: $11,123,8122021Assets 2022: $147,174,712Liabilities 2022: $133,905,609Net Assets 2022: $13,269,1032022Assets 2024: $154,162,580Liabilities 2024: $139,003,262Net Assets 2024: $15,159,3182024

Highlighted filing

2024

Assets$154,162,580
Liabilities$139,003,262
Net Assets$15,159,318

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$15M$10M$5.0M$0Expenses 2010: $10,968,2672010Expenses 2011: $7,946,4622011Expenses 2012: $6,719,3772012Revenue 2013: $6,817,477Expenses 2013: $6,136,423Net Income 2013: $681,0542013Revenue 2014: $6,673,631Expenses 2014: $5,768,228Net Income 2014: $905,4032014Revenue 2015: $5,872,190Expenses 2015: $5,465,257Net Income 2015: $406,9332015Revenue 2017: $5,821,940Expenses 2017: $5,578,574Net Income 2017: $243,3662017Revenue 2018: $6,445,848Expenses 2018: $5,939,758Net Income 2018: $506,0902018Revenue 2019: $7,054,850Expenses 2019: $6,270,814Net Income 2019: $784,0362019Revenue 2020: $6,727,241Expenses 2020: $6,589,634Net Income 2020: $137,6072020Revenue 2021: $6,962,704Expenses 2021: $6,626,539Net Income 2021: $336,1652021Revenue 2022: $10,039,036Expenses 2022: $7,893,738Net Income 2022: $2,145,2982022Revenue 2024: $12,014,626Expenses 2024: $10,749,750Net Income 2024: $1,264,8762024

Highlighted filing

2024

Revenue$12,014,626
Expenses$10,749,750
Net Income$1,264,876

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$154$139$15.2$12.0$10.7$1.26
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.$147$134$13.3$10.0$7.89$2.15
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$142$131$11.1$6.96$6.63$0.34
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$132$121$10.8$6.73$6.59$0.14
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$113$102$10.7$7.05$6.27$0.78
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$109$99.4$9.87$6.45$5.94$0.51
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$110$100$9.36$5.82$5.58$0.24
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.$111$102$8.71$5.87$5.47$0.41
2014Detailed filing. Detailed filing data is available for this year.$109$100$8.30$6.67$5.77$0.91
2013Detailed filing. Detailed filing data is available for this year.$106$98.4$7.39$6.82$6.14$0.68
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$119$112$6.71$6.72
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$125$119$5.79$7.95
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$135$130$5.26$11.0
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Aug 30, 2023
Return Version
2022v5.0
Gross Receipts
$10,042,632
Mission and Program Overview

Mission

The credit union offers its members financial solutions including a variety of savings, checking, investment and lending programs. Members rely on pfcu to not only assist them in growing their savings but to help them save money when needing to borrow funds.

Prime financial credit union is dedicated to improving the financial well-being of its members by providing innovative, competitive, and high-quality services and products.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$105,188,913$117,523,266▲ $12,334,353
Cash and Non-Interest-Bearing Accounts$25,676,429$15,568,063▼ $10,108,366
Cap Stk Tr Prin Current Funds$6,723,703$6,723,703→ $0
Rtn Earn Endowment Incm Other Fnds$4,400,109$6,545,400▲ $2,145,291
Land, Buildings, and Equipment, Net$5,409,901$5,653,200▲ $243,299
Savings and Temporary Cash Investments$2,508,066$4,012,066▲ $1,504,000
Accounts Receivable$11,896$1,175,438▲ $1,163,542
Prepaid Expenses and Deferred Charges$493,348$551,231▲ $57,883
Investments Program Related$275,899$279,199▲ $3,300
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$141,769,276$147,174,712▲ $5,405,436
Other Assets Total$2,204,824$2,412,249▲ $207,425
Liabilities
Other Liabilities$128,598,880$132,415,003▲ $3,816,123
Accounts Payable and Accrued Expenses$2,046,584$1,490,606▼ $555,978
Total Liabilities$130,645,464$133,905,609▲ $3,260,145
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,123,812$13,269,103▲ $2,145,291
Total Liabilities and Net Assets / Fund Balance$141,769,276$147,174,712▲ $5,405,436

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,727,815$2,357,761$6,085,576
Equipment$389,260$3,801,717$4,190,977
Land$919,625-$919,625
Other Land Buildings$614,003-$614,003
Leasehold Improvements$2,497$130,418$132,915
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christine MoczynskiCEOFT$176,690$45,408$222,098
Colleen JakubowskiCOOFT$129,931$4,917$134,848
Amy MillerChief Experience OfficerFT$100,091$23,767$123,858
David BienemanCFOFT$103,766$10,827$114,593

Board Members and Trustees

NameTitle
Thomas BoltonChair
Kelly MartykaVice Chair
Janet ClearyDirector
Randy PerryDirector
Thomas PechacekDirector
Eric MooreSecretary
Dennis DegraveTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,266,136
Program Service Revenue
$6,983,711
Investment Income
$372,471
Other Revenue
$1,416,718
Change in Net Assets
$2,145,298

Audited Revenue Reconciliation

Revenue per Audited Statements
$10,039,036
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$10,039,036
Total Revenue per Form 990
$10,039,036
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,206,298
Salaries, Compensation, and Employee Benefits$3,687,440
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,738,977
Occupancy---$632,747
Information Technology---$567,669
Office Expenses---$469,782
Other Employee Benefits---$360,191
Current Officers, Directors, Trustees, and Key Employees---$297,377
Depreciation Depletion---$281,802
Payroll Taxes---$224,051
Fees for Services Other---$212,178
Advertising---$123,510
Other Expenses---$113,945
Fees for Services Legal---$83,992
Fees for Services Accounting---$72,351
Pension Plan Contributions---$66,844
Conferences and Meetings---$65,419
Payments to Affiliates---$34,192
Insurance---$18,733
Travel---$6,804
All Other Expenses---$-38,535
Total Functional Expenses$0$0$0$7,893,738

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$7,893,738
Total Expenses per Audited Statements$7,893,738
Total Expenses per Form 990$7,893,738
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

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

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$132,415,003
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
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

This organization is a credit union. Therefore, in order to open an account, an individual must become a member of the credit union.

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

Members of the credit union have the right to elect one or more members of the organizations governing body, whether periodically, or as vacancies arise or otherwise.

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

Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.

Form 990, Part VI, Section B, Line 11B

The ceo and director of accounting will review form 990 prior to filing with the irs. A copy will also be provided to the board of directors.

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

The policies surrounding the credit union's code of ethics, along with outside employment, are monitored and enforced by the human resources department with the assistance of the management team.

Form 990, Part VI, Section B, Line 15

The board of directors-personnel committee sets the salary for the ceo annually. The ceo determines proper compensation for the executive management team with an overall salary budget approved annually by the board of directors. In addition, compensation surveys are used as comparable data to generate appropriate compensation figures.

Form 990, Part VI, Section C, Line 19

UPON REQUEST

Filing and Contact Details

Filer

Filer Name
Prime Financial Credit Union
EIN
39-0477300
Phone
4144864500
Address
5656 SOUTH PACKARD AVENUE, CUDAHY, WI 53110

Signing Officer

Name
Christine Moczynski
Title
CEO
Phone
4144864500
Signed
2023-08-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christine Moczynski
Formed
1923
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
78
Volunteers
7

Preparer

Firm
Hawkins Ash Cpas Llp
Address
520 N BROADWAY SUITE 250, GREEN BAY, WI 54303
Preparer
Jeffrey Danen
Phone
9203369850
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

ROUNDING -7.

Financial Statement Notes

PART X, LINE 2:

Gaap requires management to evaluate tax positions taken by the credit union and recognize a tax liability (or asset) if the credit union has taken an uncertain position that more likely than not would be sustained upon examination by a taxing authority. Management has analyzed the tax positions taken by the credit union and has concluded that as of december 31, 2022, there are no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements. The credit union is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The credit union will recognize future accrued interest and penalties related to unrecognized tax benefits in income tax expense if incurred.

Raw XML AppendixShowing 400 of 456 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02046584
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01490606
IRS990/AccountsReceivableGrp/BOYAmt011896
IRS990/AccountsReceivableGrp/EOYAmt01175438
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0PRIME FINANCIAL CREDIT UNION IS DEDICATED TO IMPROVING THE FINANCIAL WELL-BEING OF ITS MEMBERS BY PROVIDING INNOVATIVE, COMPETITIVE, AND HIGH-QUALITY SERVICES AND PRODUCTS.
IRS990/AdvertisingGrp/TotalAmt0123510
IRS990/AllOtherExpensesGrp/TotalAmt0-38535
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
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IRS990/BooksInCareOfDetail/PhoneNum04144864602
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt05656 S PACKARD AVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0CUDAHY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd053110
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IRS990/BusinessRlnWithFamMemInd00
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IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt06723703
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IRS990/CashNonInterestBearingGrp/EOYAmt015568063
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IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt065419
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IRS990/ConservationEasementsInd00
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IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/DelegationOfMgmtDutiesInd00
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IRS990/Desc0PRIME FINANCIAL CREDIT UNION IS THE AUTHENTIC FINANCIAL PARTNER OF CHOICE FOR A GROWING MEMBERSHIP THAT WISHES TO EXPERIENCE PERSONAL FINANCIAL SUCCESS.
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/PersonNm5RANDY PERRY
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IRS990/Form990PartVIISectionAGrp/PersonNm7CHRISTINE MOCZYNSKI
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9COO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF EXPERIENCE OFFICER
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IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GrossRentsGrp/RealAmt016975
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0567669
IRS990/InsuranceGrp/TotalAmt018733
IRS990/InvestmentIncomeGrp/ExclusionAmt0376067
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0376067
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0275899
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0279199
IRS990/IRPDocumentCnt01884
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt06289896
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05409901
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05653200
IRS990/LandBldgEquipCostOrOtherBssAmt011943096
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt03596
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PRIME FINANCIAL CREDIT UNION IS DEDICATED TO IMPROVING THE FINANCIAL WELL-BEING OF ITS MEMBERS BY PROVIDING INNOVATIVE, COMPETITIVE, AND HIGH-QUALITY SERVICES AND PRODUCTS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt011123812
IRS990/NetAssetsOrFundBalancesEOYAmt013269103
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-3596
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-3596
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt016975
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt016975
IRS990/NetUnrelatedBusTxblIncmAmt011751
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0632747
IRS990/OfficeExpensesGrp/TotalAmt0469782
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02204824
IRS990/OtherAssetsTotalGrp/EOYAmt02412249
IRS990/OtherChangesInNetAssetsAmt0-7
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0360191
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2DIVIDENDS ON SHARES
IRS990/OtherExpensesGrp/Desc3OTHER EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0864171
IRS990/OtherExpensesGrp/TotalAmt1555382
IRS990/OtherExpensesGrp/TotalAmt2142156
IRS990/OtherExpensesGrp/TotalAmt3113945
IRS990/OtherLiabilitiesGrp/BOYAmt0128598880
IRS990/OtherLiabilitiesGrp/EOYAmt0132415003
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0EMPLOYEE RETENTION CREDIT
IRS990/OtherRevenueMiscGrp/Desc1OTHER INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01326832
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt172911
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01326832
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt172911
IRS990/OtherRevenueTotalAmt01399743
IRS990/OtherSalariesAndWagesGrp/TotalAmt02738977
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0105188913
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0117523266
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt034192
IRS990/PayrollTaxesGrp/TotalAmt0224051
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt066844
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0493348
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0551231
IRS990/PrincipalOfficerNm0CHRISTINE MOCZYNSKI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3INSURANCE COMMISSIONS
IRS990/ProgramServiceRevenueGrp/Desc4OTHER OPERATING
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05035965
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11289314
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2439050
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3161007
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4734
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05035965
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11316024
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2439050
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3190839
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt41833
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt026710
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt129832
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt21099
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt097180
IRS990/PYOtherExpensesAmt03325406
IRS990/PYOtherRevenueAmt0398247
IRS990/PYProgramServiceRevenueAmt06467277
IRS990/PYRevenuesLessExpensesAmt0336165
IRS990/PYSalariesCompEmpBnftPaidAmt03301133
IRS990/PYTotalExpensesAmt06626539
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt06962704
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt02145298
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt016975
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04400109
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06545400
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02508066
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04012066
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03727815
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02357761
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06085576
IRS990ScheduleD/EquipmentGrp/BookValueAmt0389260
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03801717
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04190977
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt07893738
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0919625
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0919625
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt02497
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0130418
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0132915
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0614003
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0614003
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0132415003
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND DEPOSITS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt010039036
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0GAAP REQUIRES MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE CREDIT UNION AND RECOGNIZE A TAX LIABILITY (OR ASSET) IF THE CREDIT UNION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD BE SUSTAINED UPON EXAMINATION BY A TAXING AUTHORITY. MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE CREDIT UNION AND HAS CONCLUDED THAT AS OF DECEMBER 31, 2022, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY (OR ASSET) OR DISCLOSURE IN THE FINANCIAL STATEMENTS. THE CREDIT UNION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE CREDIT UNION WILL RECOGNIZE FUTURE ACCRUED INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS IN INCOME TAX EXPENSE IF INCURRED.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05653200
IRS990ScheduleD/TotalExpensesPerForm990Amt07893738
IRS990ScheduleD/TotalLiabilityAmt0132415003
IRS990ScheduleD/TotalRevenuePerForm990Amt010039036
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt010039036
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt07893738
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0176690
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount016921
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt05501
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt022986
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CHRISTINE MOCZYNSKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0222098
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THIS ORGANIZATION IS A CREDIT UNION. THEREFORE, IN ORDER TO OPEN AN ACCOUNT, AN INDIVIDUAL MUST BECOME A MEMBER OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATIONS GOVERNING BODY, WHETHER PERIODICALLY, OR AS VACANCIES ARISE OR OTHERWISE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CEO AND DIRECTOR OF ACCOUNTING WILL REVIEW FORM 990 PRIOR TO FILING WITH THE IRS. A COPY WILL ALSO BE PROVIDED TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE POLICIES SURROUNDING THE CREDIT UNION'S CODE OF ETHICS, ALONG WITH OUTSIDE EMPLOYMENT, ARE MONITORED AND ENFORCED BY THE HUMAN RESOURCES DEPARTMENT WITH THE ASSISTANCE OF THE MANAGEMENT TEAM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS-PERSONNEL COMMITTEE SETS THE SALARY FOR THE CEO ANNUALLY. THE CEO DETERMINES PROPER COMPENSATION FOR THE EXECUTIVE MANAGEMENT TEAM WITH AN OVERALL SALARY BUDGET APPROVED ANNUALLY BY THE BOARD OF DIRECTORS. IN ADDITION, COMPENSATION SURVEYS ARE USED AS COMPARABLE DATA TO GENERATE APPROPRIATE COMPENSATION FIGURES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ROUNDING -7.
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 11B
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 XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0141769276
IRS990/TotalAssetsEOYAmt0147174712
IRS990/TotalAssetsGrp/BOYAmt0141769276
IRS990/TotalAssetsGrp/EOYAmt0147174712
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalContributionsAmt01266136
IRS990/TotalEmployeeCnt078
IRS990/TotalFunctionalExpensesGrp/TotalAmt07893738
IRS990/TotalGrossUBIAmt057641
IRS990/TotalLiabilitiesBOYAmt0130645464
IRS990/TotalLiabilitiesEOYAmt0133905609
IRS990/TotalLiabilitiesGrp/BOYAmt0130645464

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