Civic Intelligence

Ely Area Credit Union

990 • Fiscal year 2015 • EIN 41-0237440

Jan 01, 2015 to Dec 31, 2015 • Filed on May 17, 2016

Organization Profileelyareacu.org

View Organization Page

2 East Chapman StreetEly, MN 55731

(218) 365-3131

Siviq Scores

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

Liabilities / Assets

6th percentile

0.00x

Higher debt load relative to assets than 6% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

6th percentile

0.11x

Higher debt load relative to revenue than 6% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

89th percentile

20%

Higher net margin than 89% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

47th percentile

$71,141

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 8.8% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

94th percentile

12%

Faster asset growth than 94% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

78th percentile

6.1%

Faster revenue growth than 78% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets6th percentile

Assets

Up

$22,919,071

Up $2,475,161 (+12%) from 2014

Net Assets

Up

$22,831,828

Up $20,615,825 (+930%) from 2014

Liabilities

Down

$87,243

Down $18,140,664 (-100%) from 2014

Revenue And Expenses
Liabilities / Revenue6th percentileNet Margin89th percentile

Revenue

Up

$809,302

Up $46,227 (+6.1%) from 2014

Expenses

Up

$648,161

Up $6,863 (+1.1%) from 2014

Net Income

Up

$161,141

Up $39,364 (+32%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth94th percentile

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

$80M$60M$40M$20M$0Assets 2010: $18,175,808Liabilities 2010: $16,338,866Net Assets 2010: $1,836,9422010Assets 2011: $18,499,750Liabilities 2011: $16,580,991Net Assets 2011: $1,918,7592011Assets 2012: $18,045,666Liabilities 2012: $16,021,412Net Assets 2012: $2,024,2542012Assets 2013: $19,964,400Liabilities 2013: $17,870,174Net Assets 2013: $2,094,2262013Assets 2014: $20,443,910Liabilities 2014: $18,227,907Net Assets 2014: $2,216,0032014Assets 2015: $22,919,071Liabilities 2015: $87,243Net Assets 2015: $22,831,8282015Assets 2016: $38,443,560Liabilities 2016: $15,363Net Assets 2016: $38,428,1972016Assets 2017: $38,713,785Liabilities 2017: $24,697Net Assets 2017: $38,689,0882017Assets 2018: $43,270,252Liabilities 2018: $42,050Net Assets 2018: $43,228,2022018Assets 2019: $43,758,560Liabilities 2019: $64,579Net Assets 2019: $43,693,9812019Assets 2020: $54,365,317Liabilities 2020: $33,165Net Assets 2020: $54,332,1522020Assets 2021: $63,210,679Liabilities 2021: $43,168Net Assets 2021: $63,167,5112021Assets 2022: $63,688,645Liabilities 2022: $89,235Net Assets 2022: $63,599,4102022Assets 2023: $64,991,016Liabilities 2023: $41,570Net Assets 2023: $64,949,4462023Assets 2024: $67,400,425Liabilities 2024: $62,138Net Assets 2024: $67,338,2872024Assets 2025: $73,171,414Liabilities 2025: $65,964Net Assets 2025: $73,105,4502025

Highlighted filing

2015

Assets$22,919,071
Liabilities$87,243
Net Assets$22,831,828
Open 2015 Filing

Operations Trend

Revenue Growth78th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $849,5522010Expenses 2011: $664,3062011Expenses 2012: $631,2812012Revenue 2013: $727,464Expenses 2013: $657,492Net Income 2013: $69,9722013Revenue 2014: $763,075Expenses 2014: $641,298Net Income 2014: $121,7772014Revenue 2015: $809,302Expenses 2015: $648,161Net Income 2015: $161,1412015Revenue 2016: $1,217,918Expenses 2016: $953,366Net Income 2016: $264,5522016Revenue 2017: $1,387,861Expenses 2017: $1,126,970Net Income 2017: $260,8912017Revenue 2018: $1,602,634Expenses 2018: $1,228,337Net Income 2018: $374,2972018Revenue 2019: $1,798,838Expenses 2019: $1,333,059Net Income 2019: $465,7792019Revenue 2020: $1,790,717Expenses 2020: $1,208,143Net Income 2020: $582,5742020Revenue 2021: $1,880,737Expenses 2021: $1,363,430Net Income 2021: $517,3072021Revenue 2022: $1,866,322Expenses 2022: $1,434,423Net Income 2022: $431,8992022Revenue 2023: $2,330,009Expenses 2023: $1,373,789Net Income 2023: $956,2202023Revenue 2024: $2,947,398Expenses 2024: $1,662,042Net Income 2024: $1,285,3562024Revenue 2025: $3,505,301Expenses 2025: $1,797,104Net Income 2025: $1,708,1972025

Highlighted filing

2015

Revenue$809,302
Expenses$648,161
Net Income$161,141
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 17, 2016
Return Version
2015v2.1
Gross Receipts
$809,302
Mission and Program Overview

Mission

As a member-owned financial cooperative, we will develope and offer competitive product lines that meet member needs while maintaining asset strength and be a full service organization that satisfies the financial needs of the membership.

As a member-owned financial cooperative, we will develope and offer competitive product lines that meet members needs while maintaining asset strength and be a full service organization that satisfies the needs of the membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$22,670,687$22,831,828▲ $161,141
Savings and Temporary Cash Investments$10,398,134$10,931,325▲ $533,191
Other Notes and Loans Receivable, Net$11,685,171$10,658,868▼ $1,026,303
Cash and Non-Interest-Bearing Accounts$124,397$593,571▲ $469,174
Land, Buildings, and Equipment, Net$417,306$418,978▲ $1,672
Receivables From Officers Etc-$110,196-
Prepaid Expenses and Deferred Charges$14,169$25,098▲ $10,929
Total Assets$22,863,975$22,919,071▲ $55,096
Other Assets Total$224,798$181,035▼ $43,763
Liabilities
Accounts Payable and Accrued Expenses$193,288$87,243▼ $106,045
Total Liabilities$193,288$87,243▼ $106,045
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,670,687$22,831,828▲ $161,141
Total Liabilities and Net Assets / Fund Balance$22,863,975$22,919,071▲ $55,096

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$274,814-$274,814
Land$96,527-$96,527
Equipment$47,637-$47,637
Other Assets Org$181,035--
Compensation and Service Providers
Top Officer Pay47th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mark KrekelbergTreasuermanagerFT$71,141$71,141
Anthony GornikBoar President-$193$193
Barbara MathewsBoard Vice President-$182$182
Lolita SchnitziusSupervisory Committee Chair-$150$150
Judy NiemelaDirector-$148$148
Scott AndersonDirector-$138$138
Gerald FinkDirector-$98$98
Amy SoderbergSupervisory Committee Member-$42$42
Katherine OjalaSupervisory Committee Member-$42$42
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$696,593
Investment Income
$100,453
Other Revenue
$12,256
Change in Net Assets
$161,141

Audited Revenue Reconciliation

Revenue per Audited Statements
$809,302
Total Revenue per Audited Statements
$809,302
Total Revenue per Form 990
$809,302
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$362,163
Salaries, Compensation, and Employee Benefits$285,998
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$176,446--$176,446
Other Salaries and Wages$125,764--$125,764
Current Officers, Directors, Trustees, and Key Employees$71,141--$71,141
Other Employee Benefits$69,439--$69,439
Depreciation Depletion$50,476--$50,476
Fees for Services Other$31,636--$31,636
Office Expenses$30,395--$30,395
Occupancy$22,757--$22,757
Other Expenses$20,301--$20,301
Payroll Taxes$19,654--$19,654
Advertising$11,633--$11,633
Fees for Services Accounting$7,832--$7,832
Conferences and Meetings$1,993--$1,993
Travel$450--$450
Total Functional Expenses$648,161$0$0$648,161

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$648,161
Total Expenses per Audited Statements$648,161
Total Expenses per Form 990$648,161
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$110,196-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“Any person that conforms to the bylaws of the credit union and has at least $5 in a share account is known as a member.”

Member election for additional members Part VI line 7A

“Any member of the credit union may elect members of the governing body at the annual meeting.”

Form 990 governing body review Part VI line 11

“The manager looks over the 990 report prior to signing and filing.”

Governing documents etc available to public Part VI line 19

“The governing documents are available to the public upon request and are posted in the lobby of of the credit union located at 2 east chapman street.”

Filing and Contact Details

Filer

Filer Name
Ely Area Credit Union
EIN
41-0237440
Address
2 EAST CHAPMAN STREET, ELY, MN 55731

Signing Officer

Name
Mark Krekelberg
Title
Treasuermgr
Phone
2183653131
Signed
2016-05-17
Discuss with paid preparer
No

Organization Details

Principal Officer
Mark Krekelberg
Formed
1938
Legal Domicile
Mn
Voting Board Members
5
Independent Board Members
5
Employees
6

Preparer

Firm
D&D Accounting Inc
Address
747 East Sheridan Street, Ely, MN 55731
Preparer
Tina Foster
Phone
2183654853
Supplemental Narrative

Additional Explanations

List of other expenses Part IX line 24E

“A list of other expenses are attached to the 990 on the overflow statement.”

Raw XML AppendixShowing 400 of 455 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/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2421
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt010900
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1935
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2421
IRS990/OtherRevenueTotalAmt012256
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0125764
IRS990/OtherSalariesAndWagesGrp/TotalAmt0125764
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011685171
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt010658868
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt019654
IRS990/PayrollTaxesGrp/TotalAmt019654
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt014169
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt025098
IRS990/PrincipalOfficerNm0MARK KREKELBERG
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522291
IRS990/ProgramServiceRevenueGrp/BusinessCd2522291
IRS990/ProgramServiceRevenueGrp/BusinessCd3522291
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2VISA INCOME
IRS990/ProgramServiceRevenueGrp/Desc3CLS AND CREDIT CARD INT
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0531340
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt163057
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt290894
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt311302
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0531340
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt163057
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt290894
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt311302
IRS990/ProgSrvcAccomActy2Grp/Desc0LIFE SAVINGS LIFE INSURANCE WHICH PROVIDES LIFE INSURANCE PRPTECTION TO THE MEMBERS BASED ON THE AMOUNT OF THEIR SAVINGS ACCOUNTS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt020748
IRS990/PYInvestmentIncomeAmt086515
IRS990/PYOtherExpensesAmt0323256
IRS990/PYProgramServiceRevenueAmt0676560
IRS990/PYRevenuesLessExpensesAmt0121777
IRS990/PYSalariesCompEmpBnftPaidAmt0297294
IRS990/PYTotalExpensesAmt0641298
IRS990/PYTotalRevenueAmt0763075
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0110196
IRS990/ReconcilationRevenueExpnssAmt0161141
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt022670687
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt022831828
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010398134
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010931325
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0274814
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0274814
IRS990ScheduleD/EquipmentGrp/BookValueAmt047637
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt047637
IRS990ScheduleD/ExpensesSubtotalAmt0648161
IRS990ScheduleD/LandGrp/BookValueAmt096527
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt096527
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0181035
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUASIF
IRS990ScheduleD/RevenueSubtotalAmt0809302
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0418978
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0181035
IRS990ScheduleD/TotalExpensesPerForm990Amt0648161
IRS990ScheduleD/TotalRevenuePerForm990Amt0809302
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0809302
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0648161
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt03114
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt136891
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt22355
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt312066
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt410704
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt57634
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt67958
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt729474
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2CONSOLIDATION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4SNOWMOBILE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5MOTORCYCLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6CONSOLADATION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt040000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt145000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt26000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt316000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt411000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt58280
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt68681
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt730000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JUDY NIEMELA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1GERALD FINK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2BARBARA MATHEWS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3MARK KREKELBERG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4ANTHONY GORNIK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5GERALD FINK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6MARK KREKLEBERG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7MARK KREKELBERG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2BOARD VICE PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3TREASUER MGR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4BOARD PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6TREASUERMGR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7TREASUERMGR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/TotalBalanceDueAmt0110196
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ANY PERSON THAT CONFORMS TO THE BYLAWS OF THE CREDIT UNION AND HAS AT LEAST $5 IN A SHARE ACCOUNT IS KNOWN AS A MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ANY MEMBER OF THE CREDIT UNION MAY ELECT MEMBERS OF THE GOVERNING BODY AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE MANAGER LOOKS OVER THE 990 REPORT PRIOR TO SIGNING AND FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE GOVERNING DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST AND ARE POSTED IN THE LOBBY OF OF THE CREDIT UNION LOCATED AT 2 EAST CHAPMAN STREET.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A LIST OF OTHER EXPENSES ARE ATTACHED TO THE 990 ON THE OVERFLOW STATEMENT.
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/FormAndLineReferenceDesc2Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4List of other expenses Part IX line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt022863975
IRS990/TotalAssetsEOYAmt022919071
IRS990/TotalAssetsGrp/BOYAmt022863975
IRS990/TotalAssetsGrp/EOYAmt022919071
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$22,919,071
Liabilities
$87,243
Net assets
$22,831,828
Revenue
$809,302
Expenses
$648,161
Net income
$161,141
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$73.2$0.07$73.1$3.51$1.80$1.71
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$67.4$0.06$67.3$2.95$1.66$1.29
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$65.0$0.04$64.9$2.33$1.37$0.96
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$63.7$0.09$63.6$1.87$1.43$0.43
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$63.2$0.04$63.2$1.88$1.36$0.52
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$54.4$0.03$54.3$1.79$1.21$0.58
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.8$0.06$43.7$1.80$1.33$0.47
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.3$0.04$43.2$1.60$1.23$0.37
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.7$0.02$38.7$1.39$1.13$0.26
2016Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$38.4$0.02$38.4$1.22$0.95$0.26
2015Detailed filing. Detailed filing data is available for this year.$22.9$0.09$22.8$0.81$0.65$0.16
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.4$18.2$2.22$0.76$0.64$0.12
2013Detailed filing. Detailed filing data is available for this year.$20.0$17.9$2.09$0.73$0.66$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.0$16.0$2.02$0.63
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.5$16.6$1.92$0.66
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.2$16.3$1.84$0.85