Liabilities / Assets
92nd percentile
Higher debt load relative to assets than 92% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.92x
Liabilities / Revenue
52nd percentile
Higher debt load relative to revenue than 52% of similar nonprofits.
Net Margin
23rd percentile
Higher net margin than 23% of similar nonprofits.
Top Officer Pay
93rd percentile
Higher top officer pay than 93% of similar nonprofits.
Top officer pay equals 3.7% of source-year revenue.
Asset Growth
38th percentile
Faster asset growth than 38% of similar nonprofits.
Revenue Growth
87th percentile
Faster revenue growth than 87% of similar nonprofits.
Balance Sheet
Assets
Up$206,393,819
Up $5,639,508 (+2.8%) from 2013
Net Assets
Up$16,308,356
Up $1,774,221 (+12%) from 2013
Liabilities
Up$190,085,463
Up $3,865,287 (+2.1%) from 2013
Revenue And Expenses
Revenue
Up$10,325,815
Up $879,867 (+9.3%) from 2013
Expenses
Up$9,746,983
Up $1,047,437 (+12%) from 2013
Net Income
Down$578,832
Down $167,570 (-22%) from 2013
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2014 to Dec 31, 2014
- Signed
- Oct 15, 2015
- Return Version
- 2014v5.0
- Gross Receipts
- $28,424,413
Mission and Program Overview
Mission
Provides a variety of financial services to its members. Its primary deposit products are share accounts, certificates of deposit and share draft accounts, while its primary loan products are single family residence and consumer loans.
Provides a variety of financial services to its members. Its primary deposit products are share accounts, certificates of deposits and share draft accounts, while its primary loan products are single family residence and consumer loans.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $106,353,801 | $142,699,224 | ▲ $36,345,423 |
| Investments in Publicly Traded Securities | $58,825,889 | $37,970,744 | ▼ $20,855,145 |
| Rtn Earn Endowment Incm Other Fnds | $14,534,135 | $16,308,356 | ▲ $1,774,221 |
| Investments Other Securities | $22,909,554 | $10,403,558 | ▼ $12,505,996 |
| Land, Buildings, and Equipment, Net | $6,868,125 | $7,019,605 | ▲ $151,480 |
| Cash and Non-Interest-Bearing Accounts | $1,050,785 | $1,363,739 | ▲ $312,954 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $200,754,311 | $206,393,819 | ▲ $5,639,508 |
| Other Assets Total | $4,746,157 | $6,936,949 | ▲ $2,190,792 |
| Liabilities | |||
| Other Liabilities | $186,102,590 | $189,896,468 | ▲ $3,793,878 |
| Accounts Payable and Accrued Expenses | $117,586 | $188,995 | ▲ $71,409 |
| Total Liabilities | $186,220,176 | $190,085,463 | ▲ $3,865,287 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $14,534,135 | $16,308,356 | ▲ $1,774,221 |
| Total Liabilities and Net Assets / Fund Balance | $200,754,311 | $206,393,819 | ▲ $5,639,508 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $4,209,450 | $2,202,240 | $6,411,690 |
| Other Land Buildings | $1,250,631 | $3,402,703 | $4,653,334 |
| Land | $1,542,496 | - | $1,542,496 |
| Leasehold Improvements | $17,028 | $204,520 | $221,548 |
| Other Securities | $515,012 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Gary Williams | President/CEO/treasurer | FT | $203,779 | $180,548 | $384,327 |
| Scott Ward | Chief Operating Officer/executive Vice President | FT | $163,784 | $67,800 | $231,584 |
| Scott Ward | Chief Operating Officer/executive Vi | - | $142,889 | $88,695 | $231,584 |
| Beth Peters | Vice President of Lending | FT | $101,391 | $19,972 | $121,363 |
| Eric Hohler | Vice President of Finance | FT | $95,965 | $20,614 | $116,579 |
Board Members and Trustees
| Name | Title |
|---|---|
| Vincent Accardo | Chairman |
| Gregory Patient | Vice Chairman |
| Dale Maristuen | Director |
| James Debilzan | Director |
| Mary Diggs | Director |
| Richard Ebel | Director |
| Timothy Savoy | Director |
| William Rupp | Director |
| Patrick Forsyth | Secretary |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $9,478,556
- Investment Income
- $805,309
- Other Revenue
- $41,950
- Change in Net Assets
- $578,832
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $5,966,739 |
| Salaries, Compensation, and Employee Benefits | $3,780,244 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $2,354,108 |
| Office Expenses | - | - | - | $1,475,592 |
| Fees for Services Other | - | - | - | $1,166,011 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $720,362 |
| Depreciation Depletion | - | - | - | $480,251 |
| Occupancy | - | - | - | $441,598 |
| Other Employee Benefits | - | - | - | $401,981 |
| Other Expenses | - | - | - | $339,163 |
| Payroll Taxes | - | - | - | $213,493 |
| Travel | - | - | - | $193,815 |
| All Other Expenses | - | - | - | $154,362 |
| Pension Plan Contributions | - | - | - | $90,300 |
| Fees for Services Management | - | - | - | $69,000 |
| Insurance | - | - | - | $45,985 |
| Fees for Services Legal | - | - | - | $20,390 |
| Fees for Services Accounting | - | - | - | $18,000 |
| Total Functional Expenses | $0 | $0 | $0 | $9,746,983 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Shares and Draft Accounts | $92,568,938 |
| Other Share Accounts | $86,795,491 |
| Retirement Accounts | $8,808,413 |
| 457(f) Liability | $972,280 |
| Other Liabilties | $736,771 |
| Accrued Interest | $14,575 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Backup withholding compliance
- Yes
- Business relationship with family members
- No
- Business relationship with organization members
- No
- Material changes to governing documents
- No
- Compensation from other sources disclosed
- No
- CEO compensation reviewed
- Yes
- Other officer compensation reviewed
- Yes
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- No
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“All account holders at this credit union are members of the organization.”
Form 990, Part VI, Section B, Line 11
“Form 990 is prepared with information provided to the credit union's cpa firm. The vice president - finance reviews a draft of the return, and approves the final version for presentation to the board after any necessary revisions have been made.”
Form 990, Part VI, Section B, Line 12C
“The bylaws of the organization prohibit any officer, director, committee member or employee of the credit union from participating in any manner in the deliberation upon or determination of any loan, investment or any other matter affecting his/her financial interest or the financial interest of any organization other than unity one credit union in which he/she is directly or indirectly interested. Furthermore, the business conduct policy of the credit union forbids directors, committee members, employees or agents from putting themselves in a position where their interests could be in conflict with the best interests of the credit union. No credit union director, committee member, employee or agent shall directly or through a controlled entity be a supplier to, or a purchase from, the credit union of goods or services unlike those offered to the public. Employees of the credit union monitor compliance with the bylaws and policies.”
Form 990, Part VI, Section B, Line 15
“The president/ceo's salary is determined by the personnel committee or the board of directors after consideration of the salary survey material provided by the credit union executive society. The full board approves the salary and any raises. Other officer compensation is also determined by the personnel committee based on salary surveys.”
Form 990, Part VI, Section C, Line 19
“Unity one credit union makes its governing documents and policies available upon request. The financial statements are available on its website.”
Filing and Contact Details
Filer
- Filer Name
- Unity One Credit Union
- EIN
- 41-0447515
- Phone
- 8173063112
- Address
- 6701 BURLINGTON BOULEVARD, FORT WORTH, TX 76131
Signing Officer
- Name
- Gary Williams
- Title
- President & CEO
- Phone
- 8173063112
- Signed
- 2015-10-15
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Gary Williams
- Formed
- 1927
- Legal Domicile
- TX
- Voting Board Members
- 8
- Independent Board Members
- 8
- Employees
- 94
- Volunteers
- 11
Preparer
- Firm
- Cliftonlarsonallen Llp
- Address
- 801 CHERRY STREET SUITE 1400, FORT WORTH, TX 76102
- Preparer
- Michaela J Cromar CPA
- Phone
- 8178775000
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 11G
“Outside processing 886,869. System security 45,085. Branch security 44,764. Other 189,293.”
Raw XML AppendixShowing 400 of 479 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/Desc | 0 | LOANS: PROVIDING CONSUMER LOANS OF ALL TYPES, INCLUDING VEHICLE LOANS, UNSECURED LOANS, AND CREDIT CARDS. ALSO OFFERING RESIDENTIAL MORTGAGES AND SMALL BUSINESS LOANS. |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | PRESIDENT/CEO/TREASURER |
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| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 48762 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 18049836 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | PROVIDES A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS. ITS PRIMARY DEPOSIT PRODUCTS ARE SHARE ACCOUNTS, CERTIFICATES OF DEPOSIT AND SHARE DRAFT ACCOUNTS, WHILE ITS PRIMARY LOAN PRODUCTS ARE SINGLE FAMILY RESIDENCE AND CONSUMER LOANS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 14534135 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 16308356 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -73861 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -73861 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -97810 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 1195389 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 441598 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 1475592 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 4746157 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 6936949 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 401981 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 2 | EDUCATION AND TRAINING |
| IRS990/OtherExpensesGrp/Desc | 3 | INTEREST ON MEMBER DEPO |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 756982 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 405594 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 399996 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 339163 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 186102590 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 189896468 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 524114 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 524298 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | ATM FEES |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | EXTENDED WARRANTIES |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | OTHER INCOME |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 31332 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 875 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 52 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 31332 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 1 | 875 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 2 | 52 |
| IRS990/OtherRevenueTotalAmt | 0 | 32259 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 2354108 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 106353801 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 142699224 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 213493 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 90300 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | GARY WILLIAMS |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 525990 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 524298 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON MEMBER LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OPERATING INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | GAP INSURANCE |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 7163824 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2160268 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 125223 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 29241 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 7163824 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2160268 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 125223 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 29241 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | SHARE SAVINGS ACCOUNTS: PROVIDING SHARE SAVINGS ACCOUNTS TO MEMBERS, OFFERING SPECIAL SHARE SAVINGS ACCOUNTS TO MINORS. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | CHECKING ACCOUNTS: PROVIDING CHECKING ACCOUNTS WITH VARYING FEATURES. OFFERING BENEFITS SUCH AS ATM ACCESS, DEBIT CARDS AS WELL AS ON-LINE BENEFITS SUCH AS BILL PAYING. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 988844 |
| IRS990/PYOtherExpensesAmt | 0 | 5181548 |
| IRS990/PYOtherRevenueAmt | 0 | 46870 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 8410234 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 746402 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 3517998 |
| IRS990/PYTotalExpensesAmt | 0 | 8699546 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 9445948 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 578832 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 9691 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 9691 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 14534135 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 16308356 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 4209450 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 2202240 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 6411690 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1542496 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1542496 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 17028 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 204520 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 221548 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 1250631 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 3402703 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 4653334 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 736771 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 92568938 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 8808413 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 86795491 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 14575 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 5 | 972280 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | OTHER LIABILTIES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | SHARES AND DRAFT ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | RETIREMENT ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | OTHER SHARE ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | ACCRUED INTEREST |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 5 | 457(F) LIABILITY |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 4299031 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 3732304 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 1857211 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 515012 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | OTHER INVESTMENTS IN CORP CREDIT UNIONS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | DEPOSITS IN BANKS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | NCUA SHARE INSURANCE DEPOSIT |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | DEPOSITS AND PAID IN CAPITAL |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | F |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 7019605 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 10403558 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 189896468 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 142889 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 203779 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 20895 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 45921 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 44135 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 1 | 114992 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 23665 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 1 | 19635 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | SCOTT WARD |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 1 | GARY WILLIAMS |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CHIEF OPERATING OFFICER/EXECUTIVE VI |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 1 | PRESIDENT/CEO/TREASURER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 231584 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 1 | 384327 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SubstantiationRequiredInd | 0 | 1 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | BOARD MEMBERS ARE PERMITTED TO BRING THEIR SPOUSES TO BOARD MEETINGS. THE ASSOCIATION WILL REIMBURSE FOR THE AIRFARE OF THE MEMBERS AND THEIR SPOUSES WHEN EXPENSE REIMBURSEMENT FORMS AND SUBSTANTIATION ARE PROVIDED. TYPICAL REMIBURSEMENT AMOUNTS ARE LESS THAN $500 FOR SPOUSAL TRAVEL. |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 1 | THE PRESIDENT/CEO'S SALARY IS DETERMINED BY THE PERSONNEL COMMITTEE OF THE BOARD OF DIRECTORS AFTER CONSIDERATION OF THE SALARY SURVEY MATERIAL PROVIDED BY THE CREDIT UNION EXECUTIVE SOCIETY. THE FULL BOARD APPROVES THE SALARY AND ANY RAISES. OTHER OFFICER COMPENSATION IS ALSO DETERMINED BY THE PERSONNEL COMMITTEE BASED ON SALARY SURVEYS. |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 2 | GARY WILLIAMS SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN LISTED ON PART II $99,624. SCOTT WARD SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN LISTED ON PART II $33,866. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 1A |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART I, LINE 3 |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | PART I, LINE 4B |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 1 |
| IRS990ScheduleJ/TravelForCompanionsInd | 0 | X |
| IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd | 0 | 1 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | ALL ACCOUNT HOLDERS AT THIS CREDIT UNION ARE MEMBERS OF THE ORGANIZATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | FORM 990 IS PREPARED WITH INFORMATION PROVIDED TO THE CREDIT UNION'S CPA FIRM. THE VICE PRESIDENT - FINANCE REVIEWS A DRAFT OF THE RETURN, AND APPROVES THE FINAL VERSION FOR PRESENTATION TO THE BOARD AFTER ANY NECESSARY REVISIONS HAVE BEEN MADE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE BYLAWS OF THE ORGANIZATION PROHIBIT ANY OFFICER, DIRECTOR, COMMITTEE MEMBER OR EMPLOYEE OF THE CREDIT UNION FROM PARTICIPATING IN ANY MANNER IN THE DELIBERATION UPON OR DETERMINATION OF ANY LOAN, INVESTMENT OR ANY OTHER MATTER AFFECTING HIS/HER FINANCIAL INTEREST OR THE FINANCIAL INTEREST OF ANY ORGANIZATION OTHER THAN UNITY ONE CREDIT UNION IN WHICH HE/SHE IS DIRECTLY OR INDIRECTLY INTERESTED. FURTHERMORE, THE BUSINESS CONDUCT POLICY OF THE CREDIT UNION FORBIDS DIRECTORS, COMMITTEE MEMBERS, EMPLOYEES OR AGENTS FROM PUTTING THEMSELVES IN A POSITION WHERE THEIR INTERESTS COULD BE IN CONFLICT WITH THE BEST INTERESTS OF THE CREDIT UNION. NO CREDIT UNION DIRECTOR, COMMITTEE MEMBER, EMPLOYEE OR AGENT SHALL DIRECTLY OR THROUGH A CONTROLLED ENTITY BE A SUPPLIER TO, OR A PURCHASE FROM, THE CREDIT UNION OF GOODS OR SERVICES UNLIKE THOSE OFFERED TO THE PUBLIC. EMPLOYEES OF THE CREDIT UNION MONITOR COMPLIANCE WITH THE BYLAWS AND POLICIES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE PRESIDENT/CEO'S SALARY IS DETERMINED BY THE PERSONNEL COMMITTEE OR THE BOARD OF DIRECTORS AFTER CONSIDERATION OF THE SALARY SURVEY MATERIAL PROVIDED BY THE CREDIT UNION EXECUTIVE SOCIETY. THE FULL BOARD APPROVES THE SALARY AND ANY RAISES. OTHER OFFICER COMPENSATION IS ALSO DETERMINED BY THE PERSONNEL COMMITTEE BASED ON SALARY SURVEYS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | UNITY ONE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AND POLICIES AVAILABLE UPON REQUEST. THE FINANCIAL STATEMENTS ARE AVAILABLE ON ITS WEBSITE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | OUTSIDE PROCESSING 886,869. SYSTEM SECURITY 45,085. BRANCH SECURITY 44,764. OTHER 189,293. |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $206,393,819
- Liabilities
- $190,085,463
- Net assets
- $16,308,356
- Revenue
- $10,325,815
- Expenses
- $9,746,983
- Net income
- $578,832