Civic Intelligence

Northwoods Community Credit Union

EIN 39-1020766 • 501(c)14 • Park Falls, WI

View Organization Page

Profile

Providing financial security and outstanding service for our members.

PO Box 369Park Falls, WI 54552

www.northwoodscu.com

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.91x

Higher debt load relative to assets than 82% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2022

Liabilities / Revenue

92nd percentile

25.32x

Higher debt load relative to revenue than 92% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2022

Net Margin

46th percentile

11%

Higher net margin than 46% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

32nd percentile

-1.5%

Faster asset growth than 32% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2022

Revenue Growth

38th percentile

8.5%

Faster revenue growth than 38% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets82nd percentile

Using 2022 Form 990 data because the latest 2024 filing does not report standard financial totals.

Assets

Down

$94,055,781

Down $1,468,723 (-1.5%) from 2021

Liabilities

Down

$85,894,709

Down $1,597,721 (-1.8%) from 2021

Net Assets

Up

$8,161,072

Up $128,998 (+1.6%) from 2021

Operations
Liabilities / Revenue92nd percentileNet Margin46th percentile

Revenue

Up

$3,391,900

Up $265,984 (+8.5%) from 2021

Expenses

Down

$3,030,402

Down $89,348 (-2.9%) from 2021

Net Income

Up

$361,498

Up $355,332 (+5763%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth32nd percentile

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

$100M$50M$0Assets 2010: $65,801,526Liabilities 2010: $57,306,894Net Assets 2010: $8,494,6322010Assets 2011: $69,036,582Liabilities 2011: $60,251,720Net Assets 2011: $8,784,8622011Assets 2012: $77,698,231Liabilities 2012: $68,676,093Net Assets 2012: $9,022,1382012Assets 2014: $78,002,236Liabilities 2014: $69,891,689Net Assets 2014: $8,110,5472014Assets 2015: $74,086,231Liabilities 2015: $66,264,776Net Assets 2015: $7,821,4552015Assets 2016: $71,900,792Liabilities 2016: $64,593,088Net Assets 2016: $7,307,7042016Assets 2017: $70,633,934Liabilities 2017: $62,943,097Net Assets 2017: $7,690,8372017Assets 2018: $70,720,451Liabilities 2018: $62,863,429Net Assets 2018: $7,857,0222018Assets 2020: $87,936,269Liabilities 2020: $79,861,393Net Assets 2020: $8,074,8762020Assets 2021: $95,524,504Liabilities 2021: $87,492,430Net Assets 2021: $8,032,0742021Assets 2022: $94,055,781Liabilities 2022: $85,894,709Net Assets 2022: $8,161,0722022

Latest loaded filing

2022

Assets$94,055,781
Liabilities$85,894,709
Net Assets$8,161,072
Open 2022 Filing

Operations Trend

Revenue Growth38th percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $3,076,8472010Expenses 2011: $3,119,2752011Expenses 2012: $3,079,0302012Revenue 2014: $2,825,547Expenses 2014: $2,973,583Net Income 2014: -$148,0362014Revenue 2015: $2,771,112Expenses 2015: $3,059,172Net Income 2015: -$288,0602015Revenue 2016: $2,630,536Expenses 2016: $3,146,464Net Income 2016: -$515,9282016Revenue 2017: $2,773,569Expenses 2017: $2,396,066Net Income 2017: $377,5032017Revenue 2018: $3,155,250Expenses 2018: $2,985,817Net Income 2018: $169,4332018Revenue 2020: $3,201,489Expenses 2020: $3,188,114Net Income 2020: $13,3752020Revenue 2021: $3,125,916Expenses 2021: $3,119,750Net Income 2021: $6,1662021Revenue 2022: $3,391,900Expenses 2022: $3,030,402Net Income 2022: $361,4982022

Latest loaded filing

2022

Revenue$3,391,900
Expenses$3,030,402
Net Income$361,498
Open 2022 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
-
Liabilities
-
Net assets
-
Revenue
-
Expenses
-
Net income
-
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.
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$94.1$85.9$8.16$3.39$3.03$0.36
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$95.5$87.5$8.03$3.13$3.12$0.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$87.9$79.9$8.07$3.20$3.19$0.01
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$70.7$62.9$7.86$3.16$2.99$0.17
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$70.6$62.9$7.69$2.77$2.40$0.38
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$71.9$64.6$7.31$2.63$3.15$0.52
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$74.1$66.3$7.82$2.77$3.06$0.29
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$78.0$69.9$8.11$2.83$2.97$0.15
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$77.7$68.7$9.02$3.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$69.0$60.3$8.78$3.12
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$65.8$57.3$8.49$3.08
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
May 7, 2023
Return Version
2022v5.0
Gross Receipts
$3,503,076
Mission and Program Overview

Mission

Providing financial security and outstanding service for our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$54,605,183$63,323,086▲ $8,717,903
Investments Program Related$20,304,910$15,919,390▼ $4,385,520
Savings and Temporary Cash Investments$16,090,801$8,954,846▼ $7,135,955
Rtn Earn Endowment Incm Other Fnds$8,032,074$8,161,072▲ $128,998
Land, Buildings, and Equipment, Net$2,289,745$2,210,322▼ $79,423
Cash and Non-Interest-Bearing Accounts$1,024,355$1,211,340▲ $186,985
Prepaid Expenses and Deferred Charges$190,448$305,677▲ $115,229
Total Assets$95,524,504$94,055,781▼ $1,468,723
Other Assets Total$1,019,062$2,131,120▲ $1,112,058
Liabilities
Other Liabilities$86,484,409$84,933,036▼ $1,551,373
Accounts Payable and Accrued Expenses$805,750$733,761▼ $71,989
Escrow Account Liability$202,271$227,912▲ $25,641
Total Liabilities$87,492,430$85,894,709▼ $1,597,721
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,032,074$8,161,072▲ $128,998
Total Liabilities and Net Assets / Fund Balance$95,524,504$94,055,781▼ $1,468,723

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,514,258$946,457$2,460,715
Equipment$89,825$924,386$1,014,211
Land$606,239-$606,239
Investment Program Related Org$1,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sally ZoeschPresident/ceFT$99,443$44,982$144,425
Teresa GehrmanExec Vice PrFT$84,347$38,301$122,648
Mirand WachowskiVP LendingFT$55,823$4,429$60,252

Board Members and Trustees

NameTitle
Chris SimonChair
Roger StrandVice Chair
Darla IshamDirector
Jennifer EuclideDirector
Jim BraunDirector
Margaret MorganSecretary
Joan CooleyTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
First Datafiserv Processing INCDebit Card Proc1100 CARR ROAD, Wilmington, DE 19809$244,274
Share OneCore System1790 KRIBY PKWY 200, Memphis, TN 38138$117,571
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,146,553
Investment Income
$225,211
Other Revenue
$20,136
Change in Net Assets
$361,498
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,530,521
Other Expenses$1,496,271
Grants and Similar Amounts Paid$3,610
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$843,905
Office Expenses---$638,567
Other Employee Benefits---$322,366
Information Technology---$242,942
Current Officers, Directors, Trustees, and Key Employees---$239,613
Occupancy---$137,207
Depreciation Depletion---$106,399
Payroll Taxes---$78,024
Pension Plan Contributions---$46,613
Advertising---$34,267
Insurance---$32,142
Fees for Services Other---$28,140
Fees for Services Accounting---$19,800
Conferences and Meetings---$19,669
Fees for Services Legal---$16,684
Other Expenses---$15,349
Grants to Domestic Individuals---$3,610
Travel---$2,827
Interest---$15
Total Functional Expenses$0$0$0$3,030,402
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
Member Shares & Deposits$85,160,948
Escrow Accts to Line 21 Bal Sheet$-227,912
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 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, Page 6, Part VI, Line 6

“The organization has members. To be a member one must have a share (savings) account at the credit union.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the credit union members. Each member has one vote.”

Form 990, Page 6, Part VI, Line 7B

“A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.”

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

“Management provides necessary data to independent cpa who prepares the return. The president/ceo reviews the return for accuracy, and then authorizes cpa to e-file the approved return. The return is made available to the board after it has been been filed.”

Form 990, Page 6, Part VI, Line 12C

“Policy is reviewed with employees at hire, annually, and if needed throughout the year. Policy reviewed with the board of directors annually and/or as needed throughout the year.”

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

“The board of directors personnel committee (excluding the president) performs a review and makes a recommendation for compensation for the president. This is included in the budget for the following year. The budget is presented to the full board. Approval of the budget is documented in the board minutes.”

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

“The president reviews the compensation for the employees and presents her recommendations to the personnel committee which consists of four board members and the president. Compensation amounts are included in the budget for the following year. The budget is presented to the full board. Approval of the budget is documented in the board minutes.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and conflict of interest policy are available upon request. Financial statements are posted at least annually in our physical offices.”

Filing and Contact Details

Filer

Filer Name
Northwoods Community Credit Union
EIN
39-1020766
Phone
7157623208
Address
PO BOX 369, PARK FALLS, WI 54552

Signing Officer

Name
Sally Zoesch
Title
President/CEO
Phone
7157623208
Signed
2023-05-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sally Zoesch
Formed
1953
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
32
Volunteers
20

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“The credit union holds funds in escrow accounts for property taxes and homeowners insurance related to mortgage loans.”

Raw XML AppendixShowing 400 of 419 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
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IRS990/ActivityOrMissionDesc0PROVIDING FINANCIAL SECURITY AND OUTSTANDING SERVICE FOR OUR MEMBERS.
IRS990/AdvertisingGrp/TotalAmt034267
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0SALLY ZOESCH
IRS990/BooksInCareOfDetail/PhoneNum07157623208
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 369
IRS990/BooksInCareOfDetail/USAddress/CityNm0PARK FALLS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd054552
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
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IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0239613
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt019669
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0244274
IRS990/ContractorCompensationGrp/CompensationAmt1117571
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IRS990/ContractorCompensationGrp/ServicesDesc1CORE SYSTEM
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
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IRS990/CYOtherExpensesAmt01496271
IRS990/CYOtherRevenueAmt020136
IRS990/CYProgramServiceRevenueAmt03146553
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IRS990/CYSalariesCompEmpBnftPaidAmt01530521
IRS990/CYTotalExpensesAmt03030402
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03391900
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0106399
IRS990/Desc0THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 1,197 NEW DEPOSIT ACCOUNTS IN 2022. AS OF 12/31/22 WE HAD 8,564 MEMBERS.
IRS990/DescribedInSection501c3Ind0false
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IRS990/ElectionOfBoardMembersInd0true
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CE
IRS990/Form990PartVIISectionAGrp/TitleTxt1EXEC VICE PR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
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IRS990/MissionDesc0PROVIDING FINANCIAL SECURITY AND OUTSTANDING SERVICE FOR OUR MEMBERS.
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IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION LOAN LOSS ADJST
IRS990/OtherExpensesGrp/Desc2DIVIDENDS EXPENSE
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IRS990/OtherExpensesGrp/TotalAmt122581
IRS990/OtherExpensesGrp/TotalAmt215349
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IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER MEMBER RELATED REVENUE
IRS990/ProgramServiceRevenueGrp/Desc2MEMBER FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3FEE & INSURANCE INCOME
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IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 1,190 LOANS DURING 2022. AS OF 12/31/22 WE HAD 4,704 LOANS RECEIVABLE.
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IRS990ScheduleD/EquipmentGrp/BookValueAmt089825
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0924386
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt42227
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt51000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0OTHER INVESTEMENTS W/MATURITY > 1 YR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1AFS INVESTMNTS W/ MATURITY > 1 YEAR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2CAPITAL ACCOUNTS CORPORATE CU
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3FHLB STOCK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4CSCU INVESTMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5WISCUB
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0606239
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt085160948
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1-227912
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ESCROW ACCTS TO LINE 21 BAL SHEET
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS FUNDS IN ESCROW ACCOUNTS FOR PROPERTY TAXES AND HOMEOWNERS INSURANCE RELATED TO MORTGAGE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02210322
IRS990ScheduleD/TotalBookValueProgramRltdAmt015919390
IRS990ScheduleD/TotalLiabilityAmt084933036
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT PROVIDES NECESSARY DATA TO INDEPENDENT CPA WHO PREPARES THE RETURN. THE PRESIDENT/CEO REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES CPA TO E-FILE THE APPROVED RETURN. THE RETURN IS MADE AVAILABLE TO THE BOARD AFTER IT HAS BEEN BEEN FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4POLICY IS REVIEWED WITH EMPLOYEES AT HIRE, ANNUALLY, AND IF NEEDED THROUGHOUT THE YEAR. POLICY REVIEWED WITH THE BOARD OF DIRECTORS ANNUALLY AND/OR AS NEEDED THROUGHOUT THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS PERSONNEL COMMITTEE (EXCLUDING THE PRESIDENT) PERFORMS A REVIEW AND MAKES A RECOMMENDATION FOR COMPENSATION FOR THE PRESIDENT. THIS IS INCLUDED IN THE BUDGET FOR THE FOLLOWING YEAR. THE BUDGET IS PRESENTED TO THE FULL BOARD. APPROVAL OF THE BUDGET IS DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE PRESIDENT REVIEWS THE COMPENSATION FOR THE EMPLOYEES AND PRESENTS HER RECOMMENDATIONS TO THE PERSONNEL COMMITTEE WHICH CONSISTS OF FOUR BOARD MEMBERS AND THE PRESIDENT. COMPENSATION AMOUNTS ARE INCLUDED IN THE BUDGET FOR THE FOLLOWING YEAR. THE BUDGET IS PRESENTED TO THE FULL BOARD. APPROVAL OF THE BUDGET IS DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED AT LEAST ANNUALLY IN OUR PHYSICAL OFFICES.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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ReturnHeader/BusinessOfficerGrp/SignatureDt02023-05-07
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