Civic Intelligence

Unity One Credit Union

990 • Fiscal year 2016 • EIN 41-0447515

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 05, 2017

6701 Burlington BoulevardFort Worth, TX 76131

(817) 306-3112

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Up

$230,513,378

Up $12,916,050 (+5.9%) from 2015

Net Assets

Up

$17,693,466

Up $499,441 (+2.9%) from 2015

Liabilities

Up

$212,819,912

Up $12,416,609 (+6.2%) from 2015

Revenue And Expenses

Revenue

Up

$12,285,986

Up $790,341 (+6.9%) from 2015

Expenses

Up

$11,815,473

Up $1,068,147 (+9.9%) from 2015

Net Income

Down

$470,513

Down $277,806 (-37%) from 2015

Historical Trend

Balance Sheet Trend

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

$400M$300M$200M$100M$0Assets 2010: $162,881,541Liabilities 2010: $151,438,868Net Assets 2010: $11,442,6732010Assets 2011: $167,473,220Liabilities 2011: $155,113,958Net Assets 2011: $12,359,2622011Assets 2012: $190,178,308Liabilities 2012: $177,377,354Net Assets 2012: $12,800,9542012Assets 2013: $200,754,311Liabilities 2013: $186,220,176Net Assets 2013: $14,534,1352013Assets 2014: $206,393,819Liabilities 2014: $190,085,463Net Assets 2014: $16,308,3562014Assets 2015: $217,597,328Liabilities 2015: $200,403,303Net Assets 2015: $17,194,0252015Assets 2016: $230,513,378Liabilities 2016: $212,819,912Net Assets 2016: $17,693,4662016Assets 2017: $243,135,491Liabilities 2017: $225,173,124Net Assets 2017: $17,962,3672017Assets 2018: $241,989,220Liabilities 2018: $223,513,069Net Assets 2018: $18,476,1512018Assets 2019: $247,321,051Liabilities 2019: $228,075,413Net Assets 2019: $19,245,6382019Assets 2020: $281,299,640Liabilities 2020: $261,603,154Net Assets 2020: $19,696,4862020Assets 2021: $307,107,463Liabilities 2021: $287,305,745Net Assets 2021: $19,801,7182021Assets 2022: $300,046,301Liabilities 2022: $290,767,357Net Assets 2022: $9,278,9442022Assets 2023: $285,879,166Liabilities 2023: $276,030,720Net Assets 2023: $9,848,4462023Assets 2024: $290,035,161Liabilities 2024: $280,411,590Net Assets 2024: $9,623,5712024

Highlighted filing

2016

Assets$230,513,378
Liabilities$212,819,912
Net Assets$17,693,466

Operations Trend

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

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $8,290,8922010Revenue 2011: $8,984,296Expenses 2011: $8,448,969Net Income 2011: $535,3272011Expenses 2012: $8,177,4882012Revenue 2013: $9,445,948Expenses 2013: $8,699,546Net Income 2013: $746,4022013Revenue 2014: $10,325,815Expenses 2014: $9,746,983Net Income 2014: $578,8322014Revenue 2015: $11,495,645Expenses 2015: $10,747,326Net Income 2015: $748,3192015Revenue 2016: $12,285,986Expenses 2016: $11,815,473Net Income 2016: $470,5132016Revenue 2017: $12,632,665Expenses 2017: $12,355,577Net Income 2017: $277,0882017Revenue 2018: $13,156,031Expenses 2018: $12,405,887Net Income 2018: $750,1442018Revenue 2019: $13,189,466Expenses 2019: $12,941,134Net Income 2019: $248,3322019Revenue 2020: $12,426,980Expenses 2020: $12,358,849Net Income 2020: $68,1312020Revenue 2021: $12,194,283Expenses 2021: $10,387,181Net Income 2021: $1,807,1022021Revenue 2022: $13,037,693Expenses 2022: $10,970,008Net Income 2022: $2,067,6852022Revenue 2023: $16,759,480Expenses 2023: $14,164,401Net Income 2023: $2,595,0792023Revenue 2024: $16,533,928Expenses 2024: $16,678,773Net Income 2024: -$144,8452024

Highlighted filing

2016

Revenue$12,285,986
Expenses$11,815,473
Net Income$470,513
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 5, 2017
Return Version
2016v3.0
Gross Receipts
$15,285,986
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
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$160,860,798$188,291,292▲ $27,430,494
Rtn Earn Endowment Incm Other Fnds$17,194,025$17,693,466▲ $499,441
Investments in Publicly Traded Securities$23,205,640$14,732,346▼ $8,473,294
Investments Other Securities$17,767,126$11,531,925▼ $6,235,201
Land, Buildings, and Equipment, Net$7,459,158$7,462,263▲ $3,105
Cash and Non-Interest-Bearing Accounts$1,323,364$965,866▼ $357,498
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$217,597,328$230,513,378▲ $12,916,050
Other Assets Total$6,981,242$7,529,686▲ $548,444
Liabilities
Other Liabilities$200,244,119$212,567,761▲ $12,323,642
Accounts Payable and Accrued Expenses$159,184$252,151▲ $92,967
Total Liabilities$200,403,303$212,819,912▲ $12,416,609
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,194,025$17,693,466▲ $499,441
Total Liabilities and Net Assets / Fund Balance$217,597,328$230,513,378▲ $12,916,050

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,909,758$2,501,933$6,411,691
Other Land Buildings$1,783,267$3,787,622$5,570,889
Land$1,542,496-$1,542,496
Leasehold Improvements$226,742$46,686$273,428
Other Securities$515,012--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gary WilliamsPresident/CEO/treasurerFT$238,734$138,404$377,138
Scott WardChief Operating Officer/exFT$164,182$84,219$248,401
Beth PetersVice President of LendingFT$110,774$15,204$125,978
Eric HohlerVice President of FinanceFT$105,717$17,558$123,275

Board Members and Trustees

NameTitle
Vincent AccardoChairman
Gregory PatientVice Chairman
Dale MaristuenDirector
Mary DiggsDirector
Richard EbelDirector
Timothy SavoyDirector
William RuppDirector
Patrick ForsythSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,848,311
Investment Income
$394,280
Other Revenue
$43,395
Change in Net Assets
$470,513
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,095,841
Salaries, Compensation, and Employee Benefits$4,719,632
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,024,947
Office Expenses---$1,277,501
Fees for Services Other---$1,257,623
Current Officers, Directors, Trustees, and Key Employees---$774,506
Occupancy---$581,785
Depreciation Depletion---$546,188
Other Employee Benefits---$536,917
Other Expenses---$450,000
Payroll Taxes---$263,674
All Other Expenses---$156,867
Pension Plan Contributions---$119,588
Travel---$107,400
Fees for Services Management---$36,000
Insurance---$24,805
Fees for Services Accounting---$18,000
Total Functional Expenses$0$0$0$11,815,473
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

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

Other Reported Liabilities

LiabilityAmount
Shares and Draft Accounts$106,142,199
Other Share Accounts$96,698,668
Retirement Accounts$7,952,270
457(f) Liability$928,856
Other Liabilities$814,448
Accrued Interest$31,320
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 1

The executive committee of unity one credit union has the authority to approve or deny loan requests by board members and the ceo. It also has the authority to administer the nonqualified deferred compensation plans that the credit union has put in place for two of its executives.

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 11B

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. Compensation was last reviewed in february of 2016.

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
2017-10-05
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
110
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 951,842. System security 51,610. Branch security 58,240. Other 182,464. Legal fees 13,467.

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IRS990/OtherLiabilitiesGrp/EOYAmt0212567761
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1524114
IRS990/OtherRevenueMiscGrp/Desc0ATM FEES
IRS990/OtherRevenueMiscGrp/Desc1EXTENDED WARRANTIES
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt025615
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11925
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt025615
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt11925
IRS990/OtherRevenueTotalAmt027540
IRS990/OtherSalariesAndWagesGrp/TotalAmt03024947
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0160860798
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0188291292
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0263674
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0119588
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0GARY WILLIAMS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc3GAP INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt09560699
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12147289
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt291573
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt348750
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt09560699
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12147289
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt291573
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt348750
IRS990/ProgSrvcAccomActy2Grp/Desc0SHARE SAVINGS ACCOUNTS: PROVIDING SHARE SAVINGS ACCOUNTS TO MEMBERS, OFFERING SPECIAL SHARE SAVINGS ACCOUNTS TO MINORS.
IRS990/ProgSrvcAccomActy3Grp/Desc0CHECKING 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/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0508655
IRS990/PYOtherExpensesAmt06555620
IRS990/PYOtherRevenueAmt046728
IRS990/PYProgramServiceRevenueAmt010940262
IRS990/PYRevenuesLessExpensesAmt0748319
IRS990/PYSalariesCompEmpBnftPaidAmt04191706
IRS990/PYTotalExpensesAmt010747326
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt011495645
IRS990/ReconcilationRevenueExpnssAmt0470513
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt015855
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt015855
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt017194025
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt017693466
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03909758
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02501933
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06411691
IRS990ScheduleD/LandGrp/BookValueAmt01542496
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01542496
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0226742
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt046686
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0273428
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01783267
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt03787622
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt05570889
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0814448
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1106142199
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt27952270
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt396698668
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt431320
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5928856
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES AND DRAFT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2RETIREMENT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3OTHER SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4ACCRUED INTEREST
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5457(F) LIABILITY
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt08896514
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1123944
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21996455
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3515012
IRS990ScheduleD/OtherSecuritiesGrp/Desc0OTHER INVESTMENTS IN CORP CREDIT UNIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1DEPOSITS IN BANKS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2NCUA SHARE INSURANCE DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc3DEPOSITS AND PAID IN CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07462263
IRS990ScheduleD/TotalBookValueSecuritiesAmt011531925
IRS990ScheduleD/TotalLiabilityAmt0212567761
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0164182
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1238734
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount016880
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount137097
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt037565
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt175955
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt029774
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt125352
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0SCOTT WARD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1GARY WILLIAMS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CHIEF OPERATING OFFICER/EX
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1PRESIDENT/CEO/TREASURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0248401
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1377138
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0BOARD 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/ExplanationTxt1THE 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/ExplanationTxt2GARY WILLIAMS - SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN - NO DISTRIBUTIONS IN 2016; SCOTT WARD - SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN - NO DISTRIBUTIONS IN 2016
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1A
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc2PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE EXECUTIVE COMMITTEE OF UNITY ONE CREDIT UNION HAS THE AUTHORITY TO APPROVE OR DENY LOAN REQUESTS BY BOARD MEMBERS AND THE CEO. IT ALSO HAS THE AUTHORITY TO ADMINISTER THE NONQUALIFIED DEFERRED COMPENSATION PLANS THAT THE CREDIT UNION HAS PUT IN PLACE FOR TWO OF ITS EXECUTIVES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL ACCOUNT HOLDERS AT THIS CREDIT UNION ARE MEMBERS OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 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/ExplanationTxt3THE 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/ExplanationTxt4THE 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. COMPENSATION WAS LAST REVIEWED IN FEBRUARY OF 2016.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5UNITY ONE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AND POLICIES AVAILABLE UPON REQUEST. THE FINANCIAL STATEMENTS ARE AVAILABLE ON ITS WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OUTSIDE PROCESSING 951,842. SYSTEM SECURITY 51,610. BRANCH SECURITY 58,240. OTHER 182,464. LEGAL FEES 13,467.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$290$280$9.62$16.5$16.7$0.14
2023Detailed filing. Detailed filing data is available for this year.$286$276$9.85$16.8$14.2$2.60
2022Detailed filing. Detailed filing data is available for this year.$300$291$9.28$13.0$11.0$2.07
2021Detailed filing. Detailed filing data is available for this year.$307$287$19.8$12.2$10.4$1.81
2020Detailed filing. Detailed filing data is available for this year.$281$262$19.7$12.4$12.4$0.07
2019Detailed filing. Detailed filing data is available for this year.$247$228$19.2$13.2$12.9$0.25
2018Detailed filing. Detailed filing data is available for this year.$242$224$18.5$13.2$12.4$0.75
2017Detailed filing. Detailed filing data is available for this year.$243$225$18.0$12.6$12.4$0.28
2016Detailed filing. Detailed filing data is available for this year.$231$213$17.7$12.3$11.8$0.47
2015Detailed filing. Detailed filing data is available for this year.$218$200$17.2$11.5$10.7$0.75
2014Detailed filing. Detailed filing data is available for this year.$206$190$16.3$10.3$9.75$0.58
2013Detailed filing. Detailed filing data is available for this year.$201$186$14.5$9.45$8.70$0.75
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$190$177$12.8$8.18
2011Summary only. Only limited summary data is available for this year.$167$155$12.4$8.98$8.45$0.54
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$163$151$11.4$8.29