Civic Intelligence

Fort Community Credit Union

990 • Fiscal year 2016 • EIN 39-0851648

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 17, 2017

Organization Profilewww.fortcommunity.com

View Organization Page

PO Box 160Fort Atkinson, WI 53538

(920) 563-7305

Siviq Scores

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

Liabilities / Assets

24th percentile

0.87x

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

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

78th percentile

21.44x

Higher debt load relative to revenue than 78% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

92nd percentile

26%

Higher net margin than 92% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

82nd percentile

$293,184

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 3.2% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

52nd percentile

4.7%

Faster asset growth than 52% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

57th percentile

6.4%

Faster revenue growth than 57% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets24th percentile

Assets

$230,047,599

No earlier filing loaded for comparison.

Net Assets

$30,946,500

No earlier filing loaded for comparison.

Liabilities

$199,101,099

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin92nd percentile

Revenue

$9,287,984

No earlier filing loaded for comparison.

Expenses

$6,902,052

No earlier filing loaded for comparison.

Net Income

$2,385,932

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth52nd percentile

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

$400M$300M$200M$100M$0Assets 2010: $171,649,442Liabilities 2010: $149,194,406Net Assets 2010: $22,455,0362010Assets 2011: $176,952,198Liabilities 2011: $153,606,934Net Assets 2011: $23,345,2642011Assets 2012: $184,152,968Liabilities 2012: $160,288,286Net Assets 2012: $23,864,6822012Assets 2013: $196,652,881Liabilities 2013: $171,712,691Net Assets 2013: $24,940,1902013Assets 2014: $205,416,516Liabilities 2014: $178,529,207Net Assets 2014: $26,887,3092014Assets 2016: $230,047,599Liabilities 2016: $199,101,099Net Assets 2016: $30,946,5002016Assets 2017: $238,016,353Liabilities 2017: $204,050,530Net Assets 2017: $33,965,8232017Assets 2018: $242,438,317Liabilities 2018: $206,366,161Net Assets 2018: $36,072,1562018Assets 2019: $259,032,231Liabilities 2019: $218,787,283Net Assets 2019: $40,244,9482019Assets 2020: $314,376,984Liabilities 2020: $271,505,216Net Assets 2020: $42,871,7682020Assets 2021: $350,222,028Liabilities 2021: $306,455,642Net Assets 2021: $43,766,3862021Assets 2022: $346,847,400Liabilities 2022: $309,976,026Net Assets 2022: $36,871,3742022

Highlighted filing

2016

Assets$230,047,599
Liabilities$199,101,099
Net Assets$30,946,500
Open 2016 Filing

Operations Trend

Revenue Growth57th percentile

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

$15M$10M$5.0M$0Expenses 2010: $6,960,3822010Expenses 2011: $7,618,9252011Expenses 2012: $7,058,4892012Revenue 2013: $7,723,849Expenses 2013: $6,565,668Net Income 2013: $1,158,1812013Revenue 2014: $8,135,626Expenses 2014: $6,452,680Net Income 2014: $1,682,9462014Revenue 2016: $9,287,984Expenses 2016: $6,902,052Net Income 2016: $2,385,9322016Revenue 2017: $10,187,772Expenses 2017: $7,633,659Net Income 2017: $2,554,1132017Revenue 2018: $11,383,700Expenses 2018: $8,921,650Net Income 2018: $2,462,0502018Revenue 2019: $12,759,732Expenses 2019: $10,221,314Net Income 2019: $2,538,4182019Revenue 2020: $12,868,876Expenses 2020: $10,949,669Net Income 2020: $1,919,2072020Revenue 2021: $12,826,463Expenses 2021: $10,714,046Net Income 2021: $2,112,4172021Revenue 2022: $12,052,203Expenses 2022: $11,266,675Net Income 2022: $785,5282022

Highlighted filing

2016

Revenue$9,287,984
Expenses$6,902,052
Net Income$2,385,932
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 17, 2017
Return Version
2016v3.0
Gross Receipts
$9,501,172
Mission and Program Overview

Mission

To help every member be in a better Financial Position than when we met them.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$125,462,208$140,970,484▲ $15,508,276
Savings and Temporary Cash Investments$78,660,684$73,754,154▼ $4,906,530
Rtn Earn Endowment Incm Other Fnds$28,892,102$30,946,500▲ $2,054,398
Investments Program Related$6,487,529$6,661,172▲ $173,643
Land, Buildings, and Equipment, Net$4,472,034$5,714,969▲ $1,242,935
Cash and Non-Interest-Bearing Accounts$2,385,398$1,308,427▼ $1,076,971
Prepaid Expenses and Deferred Charges$252,766$148,748▼ $104,018
Accounts Receivable$686,319$73,601▼ $612,718
Total Assets$219,648,004$230,047,599▲ $10,399,595
Other Assets Total$1,241,066$1,416,044▲ $174,978
Liabilities
Other Liabilities$188,028,483$195,936,024▲ $7,907,541
Accounts Payable and Accrued Expenses$2,727,419$3,116,298▲ $388,879
Mortgage Notes Payable Secured by Investment Property-$48,777-
Total Liabilities$190,755,902$199,101,099▲ $8,345,197
Net Assets / Fund Balance
Total Net Assets Fund Balance$28,892,102$30,946,500▲ $2,054,398
Total Liabilities and Net Assets / Fund Balance$219,648,004$230,047,599▲ $10,399,595

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,244,608$1,646,138$4,890,746
Equipment$497,976$2,720,505$3,218,481
Other Land Buildings$1,173,485-$1,173,485
Land$798,900-$798,900
Investment Program Related Org$1,201,658--
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ronald VogelCEOFT$264,070$29,114$293,184
Richard AustinSVP FinanceCFOFT$212,960$80,224$184,218
James SimdonSVP LendingFT$118,302$17,568$135,870
Susan JohnsonPresidentFT$123,344$12,158$135,502
Danielle FrawleyChief Retail OfficerFT$93,908$11,178$105,086
Edmund JiongcoFormer VPCFO-$130,000$90,036$35,818
Dianne ButtSecretary-$825-$825
Ernest WitzkeDirector-$825-$825
Gregory KeatingVice Chair-$825-$825
Phillip RistowDirector-$825-$825
Collin W StevensDirector-$750-$750
Craig NevermannChair-$750-$750
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,063,480
Investment Income
$1,142,002
Other Revenue
$82,502
Change in Net Assets
$2,385,932
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,608,885
Salaries, Compensation, and Employee Benefits$3,293,167
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,908,135
Current Officers, Directors, Trustees, and Key Employees---$770,958
Information Technology---$742,098
Other Expenses-$410,572-$410,572
Advertising---$358,004
Office Expenses---$323,293
Depreciation Depletion---$280,017
Pension Plan Contributions---$225,148
Other Employee Benefits---$198,925
Payroll Taxes---$190,001
Occupancy---$170,769
All Other Expenses---$133,944
Insurance---$57,563
Payments to Affiliates---$47,792
Conferences and Meetings---$27,274
Fees for Service Investment Mgmnt Fees---$23,031
Fees for Services Accounting---$19,934
Fees for Services Other---$15,452
Travel---$5,252
Total Functional Expenses$0$0$0$6,902,052
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$194,193,572
Deferred Compensation$1,500,728
Other Deferred Credits$200,624
Accrued Dividends$41,100
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“The organization is consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).”

Member election for additional members Part VI line 7A

“The Board of Directors is elected by the membership utilizing their one vote per member.”

Governing body decisions Part VI line 7B

“Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organizations bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).”

Form 990 governing body review Part VI line 11

“The CFO and Board of Directors review the Form 990 at the April Board Meeting”

Conflict of interest policy compliance Part VI line 12C

“The Policy is Board approved and signed by all employees.”

CEO executive director top management comp Part VI line 15A

“The Board of Directors approve the CEO & President salary. The President approves all other Officers or key employee salaries using the Board approved salary budget.”

Other officer or key employee compensation Part VI line 15B

“The Board of Directors approve the CEO salary. The CEO approves all other Officers or key employees using the Board approved salary budget.”

Governing documents etc available to public Part VI line 19

“Financial Statements are posted on the Credit Union website and available in the Main and Branch Office lobbies. All other governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Fort Community Credit Union
EIN
39-0851648
Address
PO Box 160, Fort Atkinson, WI 53538

Signing Officer

Name
Richard Austin
Title
SVP FinanceCFO
Phone
9205637305
Signed
2017-04-17
Discuss with paid preparer
No

Organization Details

Principal Officer
Ronald Vogel
Formed
1940
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
6
Employees
74
Volunteers
6

Preparer

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
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IRS990/OccupancyGrp/TotalAmt0170769
IRS990/OfficeExpensesGrp/TotalAmt0323293
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01241066
IRS990/OtherAssetsTotalGrp/EOYAmt01416044
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0198925
IRS990/OtherExpensesGrp/Desc0Dividends on Shares
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2Loan Servicing Exp
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0908434
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt185456
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2410572
IRS990/OtherExpensesGrp/TotalAmt0908434
IRS990/OtherExpensesGrp/TotalAmt185456
IRS990/OtherExpensesGrp/TotalAmt2410572
IRS990/OtherLiabilitiesGrp/BOYAmt0188028483
IRS990/OtherLiabilitiesGrp/EOYAmt0195936024
IRS990/OtherSalariesAndWagesGrp/TotalAmt01908135
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0125462208
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0140970484
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt047792
IRS990/PayrollTaxesGrp/TotalAmt0190001
IRS990/PensionPlanContributionsGrp/TotalAmt0225148
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0252766
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0148748
IRS990/PrincipalOfficerNm0Ronald Vogel
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Member AccountLoan Inc
IRS990/ProgramServiceRevenueGrp/Desc2Insurance Sales
IRS990/ProgramServiceRevenueGrp/Desc3InterchangeDebit Card
IRS990/ProgramServiceRevenueGrp/Desc4Non-Member ATM Fees
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05758910
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11069782
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2149160
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt31037269
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05758910
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11069782
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2149160
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31037269
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt46709
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt06709
IRS990/ProgSrvcAccomActy2Grp/Desc0We have deposit, transaction, and investment accounts with 19,047 members at 12/31. During 2016, we opened 731 new deposit, transaction and investment accounts.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0959955
IRS990/PYOtherExpensesAmt03492462
IRS990/PYOtherRevenueAmt099666
IRS990/PYProgramServiceRevenueAmt07672157
IRS990/PYRevenuesLessExpensesAmt02126429
IRS990/PYSalariesCompEmpBnftPaidAmt03112887
IRS990/PYTotalExpensesAmt06605349
IRS990/PYTotalRevenueAmt08731778
IRS990/ReconcilationRevenueExpnssAmt02385932
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt063397
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt019105
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt019105
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt028892102
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt030946500
IRS990/SavingsAndTempCashInvstGrp/BOYAmt078660684
IRS990/SavingsAndTempCashInvstGrp/EOYAmt073754154
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt03244608
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01646138
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04890746
IRS990ScheduleD/EquipmentGrp/BookValueAmt0497976
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02720505
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03218481
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt01768285
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt13690729
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2500
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt31201658
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1FCCU - Target Plan
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2WISCUB - CUSO
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3Corp Central CU - MCS & PIC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/LandGrp/BookValueAmt0798900
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0798900
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01173485
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01173485
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0194193572
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11500728
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2200624
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt341100
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Deferred Compensation
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Other Deferred Credits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Accrued Dividends
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05714969
IRS990ScheduleD/TotalBookValueProgramRltdAmt06661172
IRS990ScheduleD/TotalLiabilityAmt0195936024
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0130000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1212960
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount032500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount151110
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt013537
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt121032
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt08181
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt18082
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt035818
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Edmund Jiongco
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Richard Austin
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2Ronald Vogel
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Former VPCFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1SVP FinanceCFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt035818
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1184218
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2293184
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The organization is consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors is elected by the membership utilizing their one vote per member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organizations bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The CFO and Board of Directors review the Form 990 at the April Board Meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Policy is Board approved and signed by all employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Board of Directors approve the CEO & President salary. The President approves all other Officers or key employee salaries using the Board approved salary budget.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The Board of Directors approve the CEO salary. The CEO approves all other Officers or key employees using the Board approved salary budget.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Financial Statements are posted on the Credit Union website and available in the Main and Branch Office lobbies. All other governing documents are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0219648004
IRS990/TotalAssetsEOYAmt0230047599
IRS990/TotalAssetsGrp/BOYAmt0219648004
IRS990/TotalAssetsGrp/EOYAmt0230047599
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt074
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$230,047,599
Liabilities
$199,101,099
Net assets
$30,946,500
Revenue
$9,287,984
Expenses
$6,902,052
Net income
$2,385,932
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$347$310$36.9$12.1$11.3$0.79
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$350$306$43.8$12.8$10.7$2.11
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$314$272$42.9$12.9$10.9$1.92
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$259$219$40.2$12.8$10.2$2.54
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$242$206$36.1$11.4$8.92$2.46
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$238$204$34.0$10.2$7.63$2.55
2016Detailed filing. Detailed filing data is available for this year.$230$199$30.9$9.29$6.90$2.39
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$205$179$26.9$8.14$6.45$1.68
2013Detailed filing. Detailed filing data is available for this year.$197$172$24.9$7.72$6.57$1.16
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$184$160$23.9$7.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$177$154$23.3$7.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$172$149$22.5$6.96
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