Civic Intelligence

Virginia Coop Credit Union

EIN 41-0665606 • 501(c)14 • Virginia, MN

Profile

Virginia coop credit union is a member owned cooperative that provides safe, high quality product lines that satisfy our members financial needs while promoting financial education.

811 4th St NVirginia, MN 55792

n/A

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.90x

Higher debt load relative to assets than 73% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

52nd percentile

16.26x

Higher debt load relative to revenue than 52% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

90th percentile

28%

Higher net margin than 90% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

51st percentile

$115,101

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 5.1% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

43rd percentile

-0.1%

Faster asset growth than 43% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

70th percentile

16%

Faster revenue growth than 70% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Assets

Down

$40,646,048

Down $35,255 (-0.1%) from 2023

Liabilities

Down

$36,597,480

Down $657,096 (-1.8%) from 2023

Net Assets

Up

$4,048,568

Up $621,841 (+18%) from 2023

Revenue

Up

$2,250,952

Up $307,090 (+16%) from 2023

Expenses

Down

$1,629,111

Down $99,944 (-5.8%) from 2023

Net Income

Up

$621,841

Up $407,034 (+189%) from 2023

Trend Graphs

Balance Sheet Trend

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

$60M$40M$20M$0Assets 2012: $19,295,161Liabilities 2012: $17,784,257Net Assets 2012: $1,510,9042012Assets 2013: $19,265,903Liabilities 2013: $17,663,640Net Assets 2013: $1,602,2632013Assets 2014: $19,970,175Liabilities 2014: $18,284,376Net Assets 2014: $1,685,7992014Assets 2015: $21,872,022Liabilities 2015: $20,084,806Net Assets 2015: $1,787,2162015Assets 2016: $22,961,150Liabilities 2016: $21,057,243Net Assets 2016: $1,903,9072016Assets 2017: $23,976,474Liabilities 2017: $21,914,148Net Assets 2017: $2,062,3262017Assets 2018: $26,083,685Liabilities 2018: $23,755,066Net Assets 2018: $2,328,6192018Assets 2019: $26,781,533Liabilities 2019: $24,251,754Net Assets 2019: $2,529,7792019Assets 2020: $33,430,313Liabilities 2020: $30,792,983Net Assets 2020: $2,637,3302020Assets 2021: $39,570,819Liabilities 2021: $36,745,057Net Assets 2021: $2,825,7622021Assets 2022: $41,502,102Liabilities 2022: $38,290,182Net Assets 2022: $3,211,9202022Assets 2023: $40,681,303Liabilities 2023: $37,254,576Net Assets 2023: $3,426,7272023Assets 2024: $40,646,048Liabilities 2024: $36,597,480Net Assets 2024: $4,048,5682024

Highlighted filing

2024

Assets$40,646,048
Liabilities$36,597,480
Net Assets$4,048,568

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2012: $738,906Expenses 2012: $808,074Net Income 2012: -$69,1682012Revenue 2013: $822,028Expenses 2013: $730,669Net Income 2013: $91,3592013Revenue 2014: $869,018Expenses 2014: $785,482Net Income 2014: $83,5362014Revenue 2015: $894,994Expenses 2015: $793,577Net Income 2015: $101,4172015Revenue 2016: $1,058,420Expenses 2016: $941,729Net Income 2016: $116,6912016Revenue 2017: $1,062,772Expenses 2017: $904,353Net Income 2017: $158,4192017Revenue 2018: $1,249,126Expenses 2018: $982,833Net Income 2018: $266,2932018Revenue 2019: $1,334,349Expenses 2019: $1,133,189Net Income 2019: $201,1602019Revenue 2020: $1,296,256Expenses 2020: $1,188,705Net Income 2020: $107,5512020Revenue 2021: $1,401,452Expenses 2021: $1,213,020Net Income 2021: $188,4322021Revenue 2022: $1,678,062Expenses 2022: $1,291,904Net Income 2022: $386,1582022Revenue 2023: $1,943,862Expenses 2023: $1,729,055Net Income 2023: $214,8072023Revenue 2024: $2,250,952Expenses 2024: $1,629,111Net Income 2024: $621,8412024

Highlighted filing

2024

Revenue$2,250,952
Expenses$1,629,111
Net Income$621,841

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.6$36.6$4.05$2.25$1.63$0.62
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.7$37.3$3.43$1.94$1.73$0.21
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.5$38.3$3.21$1.68$1.29$0.39
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$39.6$36.7$2.83$1.40$1.21$0.19
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.4$30.8$2.64$1.30$1.19$0.11
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.8$24.3$2.53$1.33$1.13$0.20
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.1$23.8$2.33$1.25$0.98$0.27
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.0$21.9$2.06$1.06$0.90$0.16
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.0$21.1$1.90$1.06$0.94$0.12
2015Detailed filing. Detailed filing data is available for this year.$21.9$20.1$1.79$0.89$0.79$0.10
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.0$18.3$1.69$0.87$0.79$0.08
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$19.3$17.7$1.60$0.82$0.73$0.09
2012Summary only. Only limited summary data is available for this year.$19.3$17.8$1.51$0.74$0.81$0.07
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
Jul 11, 2023
Return Version
2022v5.0
Gross Receipts
$1,678,062
Mission and Program Overview

Mission

Virginia coop credit union is a member owned cooperative that provides safe, high quality product lines that satisfy our members financial needs while promoting financial education.

We are a member owned cooperative credit union which provides quality and competitive financial products and services to satisfy our members financial needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$20,078,532$26,774,470▲ $6,695,938
Investments Other Securities$6,770,000$6,865,000▲ $95,000
Savings and Temporary Cash Investments$10,496,525$5,392,429▼ $5,104,096
Rtn Earn Endowment Incm Other Fnds$2,432,512$2,818,670▲ $386,158
Land, Buildings, and Equipment, Net$1,349,758$1,256,305▼ $93,453
Cash and Non-Interest-Bearing Accounts$258,559$400,350▲ $141,791
Cap Stk Tr Prin Current Funds$393,250$393,250→ $0
Prepaid Expenses and Deferred Charges$186,518$327,928▲ $141,410
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$39,570,819$41,502,102▲ $1,931,283
Other Assets Total$430,927$485,620▲ $54,693
Liabilities
Other Liabilities$36,556,097$38,198,397▲ $1,642,300
Accounts Payable and Accrued Expenses$188,960$91,785▼ $97,175
Total Liabilities$36,745,057$38,290,182▲ $1,545,125
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,825,762$3,211,920▲ $386,158
Total Liabilities and Net Assets / Fund Balance$39,570,819$41,502,102▲ $1,931,283

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$734,098$143,847$877,945
Equipment$181,923$387,688$569,611
Leasehold Improvements$158,175$71,129$229,304
Land$166,092-$166,092
Other Land Buildings$16,017-$16,017
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Donald RauschPresident/CEOFT$92,249$92,249

Board Members and Trustees

NameTitle
Kaija GirouxChair - S. Comm
Robert HendersonChairman
Mark SnidarichVice Chair
Anthony MenartBoard Member
James OberstarBoard Member
Steven BadanjakBoard Member
Mark MaddenS. Committee
Nicole SquiresS. Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,558,859
Investment Income
$104,803
Other Revenue
$14,400
Change in Net Assets
$386,158
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$829,094
Salaries, Compensation, and Employee Benefits$457,948
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$228,488$57,122-$285,610
All Other Expenses$144,998$24,724-$169,722
Current Officers, Directors, Trustees, and Key Employees$73,799$18,450-$92,249
Depreciation Depletion$55,769$13,942-$69,711
Office Expenses$45,756$15,252-$61,008
Other Employee Benefits$40,283$10,071-$50,354
Other Expenses$34,565--$34,565
Payroll Taxes$23,788$5,947-$29,735
Fees for Services Legal$11,649$11,649-$23,298
Fees for Services Accounting$11,486$11,458-$22,944
Advertising$19,474--$19,474
Conferences and Meetings-$9,970-$9,970
Travel-$8,941-$8,941
Benefits to Members$4,862--$4,862
Total Functional Expenses$1,104,378$187,526$0$1,291,904
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$38,198,397
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

Membership at virigina coop credit union is comprised of persons who own a share in any virginia, mn based cooperative.

Form 990, Part VI, Section A, Line 7A

Board members are elected by the membership at the annual meeting. Each member has one vote.

Form 990, Part VI, Section A, Line 7B

The bylaws may be amended by a vote of the members using processes set forth in the bylaws or the board may amend the bylaws by two-thirds vote and report the amendments at the next annual meeting.

Form 990, Part VI, Section B, Line 11B

The ceo reviewed a draft of the 990 before it was filed.

Form 990, Part VI, Section B, Line 15A

Analysis was done by comparing salaries of other local credit unions of comparable size and scope. Approved by the board.

Form 990, Part VI, Section C, Line 19

Financial statements are posted in our lobby. Other policies and documents are available to the public upon reasonable requests.

Filing and Contact Details

Filer

Filer Name
Virginia Coop Credit Union
EIN
41-0665606
Phone
2187415644
Address
811 4TH ST N, VIRGINIA, MN 55792

Signing Officer

Name
Donald Rausch
Title
President/CEO
Signed
2023-07-11
Discuss with paid preparer
Yes

Organization Details

Formed
1937
Legal Domicile
Mn
Voting Board Members
6
Independent Board Members
5
Employees
9
Volunteers
8

Preparer

Firm
Walker Giroux & Hahne LLC
Address
225 1st Street N Suite 2400, Virginia, MN 55792
Preparer
Ryan Jarvi
Phone
2187494880
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 4D

Other program services 4: dividends were paid out to members. Other program services 5: servicing members deposits, loans, and member accounts.

Form 990, Part IX, Line 24E

ASSOCIATION DUES: Column (A) - Total = $12618; Column (B) - Program Services = $0; Column (C) - Management & General = $12618; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

BOND & INSURANCE: Column (A) - Total = $18274; Column (B) - Program Services = $18274; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

GIVE AWAYS: Column (A) - Total = $2550; Column (B) - Program Services = $2550; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

MAINTENANCE: Column (A) - Total = $20561; Column (B) - Program Services = $20561; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

OUTSIDE SERVICES: Column (A) - Total = $2940; Column (B) - Program Services = $0; Column (C) - Management & General = $2940; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

Postage and Shipping: Column (A) - Total = $18186; Column (B) - Program Services = $13640; Column (C) - Management & General = $4546; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

Printing and Publications: Column (A) - Total = $18532; Column (B) - Program Services = $18532; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

PROVISION FOR LOAN LOSSES: Column (A) - Total = $22877; Column (B) - Program Services = $22877; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

REAL ESTATE TAXES: Column (A) - Total = $21666; Column (B) - Program Services = $21666; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

SHARE DRAFT EXPENSE: Column (A) - Total = $0; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

STATE EXAM FEES: Column (A) - Total = $5400; Column (B) - Program Services = $5400; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

SUBSCRIPTIONS: Column (A) - Total = $4620; Column (B) - Program Services = $0; Column (C) - Management & General = $4620; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

TELEPHONE: Column (A) - Total = $11882; Column (B) - Program Services = $11882; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

UTILITIES: Column (A) - Total = $9616; Column (B) - Program Services = $9616; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Raw XML AppendixShowing 400 of 669 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0188960
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt091785
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0WE ARE A MEMBER OWNED COOPERATIVE CREDIT UNION WHICH PROVIDES QUALITY AND COMPETITIVE FINANCIAL PRODUCTS AND SERVICES TO SATISFY OUR MEMBERS FINANCIAL NEEDS.
IRS990/AdvertisingGrp/ProgramServicesAmt019474
IRS990/AdvertisingGrp/TotalAmt019474
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt024724
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0144998
IRS990/AllOtherExpensesGrp/TotalAmt0169722
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/ProgramServicesAmt04862
IRS990/BenefitsToMembersGrp/TotalAmt04862
IRS990/BooksInCareOfDetail/PersonNm0DONALD RAUSCH
IRS990/BooksInCareOfDetail/PhoneNum02187415644
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0811 4TH ST N
IRS990/BooksInCareOfDetail/USAddress/CityNm0VIRGINIA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd055792
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt0393250
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt0393250
IRS990/CashNonInterestBearingGrp/BOYAmt0258559
IRS990/CashNonInterestBearingGrp/EOYAmt0400350
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt018450
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt073799
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt092249
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt09970
IRS990/ConferencesMeetingsGrp/TotalAmt09970
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt04862
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0104803
IRS990/CYOtherExpensesAmt0829094
IRS990/CYOtherRevenueAmt014400
IRS990/CYProgramServiceRevenueAmt01558859
IRS990/CYRevenuesLessExpensesAmt0386158
IRS990/CYSalariesCompEmpBnftPaidAmt0457948
IRS990/CYTotalExpensesAmt01291904
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01678062
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt013942
IRS990/DepreciationDepletionGrp/ProgramServicesAmt055769
IRS990/DepreciationDepletionGrp/TotalAmt069711
IRS990/Desc0SERVICING AND COLLECTIONS ON MEMBERS' HOME EQUITY LOANS, SECURED LOANS, UNSECURED LOANS, AND CREDIT CARDS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt09
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0193239
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt011458
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt011486
IRS990/FeesForServicesAccountingGrp/TotalAmt022944
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt011649
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt011649
IRS990/FeesForServicesLegalGrp/TotalAmt023298
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0DONALD RAUSCH
IRS990/Form990PartVIISectionAGrp/PersonNm1NICOLE SQUIRES
IRS990/Form990PartVIISectionAGrp/PersonNm2STEVEN BADANJAK
IRS990/Form990PartVIISectionAGrp/PersonNm3MARK MADDEN
IRS990/Form990PartVIISectionAGrp/PersonNm4ROBERT HENDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm5MARK SNIDARICH
IRS990/Form990PartVIISectionAGrp/PersonNm6KAIJA GIROUX
IRS990/Form990PartVIISectionAGrp/PersonNm7JAMES OBERSTAR
IRS990/Form990PartVIISectionAGrp/PersonNm8ANTHONY MENART
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt092249
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1S. COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3S. COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIR - S. COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01937
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01678062
IRS990/GrossRentsGrp/RealAmt014400
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt0104803
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0104803
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt06770000
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt06865000
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt05
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0602664
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01349758
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01256305
IRS990/LandBldgEquipCostOrOtherBssAmt01858969
IRS990/LegalDomicileStateCd0MN
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0VIRGINIA COOP CREDIT UNION IS A MEMBER OWNED COOPERATIVE THAT PROVIDES SAFE, HIGH QUALITY PRODUCT LINES THAT SATISFY OUR MEMBERS FINANCIAL NEEDS WHILE PROMOTING FINANCIAL EDUCATION.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02825762
IRS990/NetAssetsOrFundBalancesEOYAmt03211920
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt014400
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt014400
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt015252
IRS990/OfficeExpensesGrp/ProgramServicesAmt045756
IRS990/OfficeExpensesGrp/TotalAmt061008
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0430927
IRS990/OtherAssetsTotalGrp/EOYAmt0485620
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt010071
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt040283
IRS990/OtherEmployeeBenefitsGrp/TotalAmt050354
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc1DEBIT CARD EXPENSES
IRS990/OtherExpensesGrp/Desc2DATA PROCESSING
IRS990/OtherExpensesGrp/Desc3SERVICE CHARGES
IRS990/OtherExpensesGrp/ProgramServicesAmt0193239
IRS990/OtherExpensesGrp/ProgramServicesAmt1129348
IRS990/OtherExpensesGrp/ProgramServicesAmt286874
IRS990/OtherExpensesGrp/ProgramServicesAmt334565
IRS990/OtherExpensesGrp/TotalAmt0193239
IRS990/OtherExpensesGrp/TotalAmt1129348
IRS990/OtherExpensesGrp/TotalAmt286874
IRS990/OtherExpensesGrp/TotalAmt334565
IRS990/OtherLiabilitiesGrp/BOYAmt036556097
IRS990/OtherLiabilitiesGrp/EOYAmt038198397
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt057122
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0228488
IRS990/OtherSalariesAndWagesGrp/TotalAmt0285610
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt020078532
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt026774470
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt05947
IRS990/PayrollTaxesGrp/ProgramServicesAmt023788
IRS990/PayrollTaxesGrp/TotalAmt029735
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0186518
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0327928
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc2OTHER
IRS990/ProgramServiceRevenueGrp/Desc3SHARE DRAFT INCOME
IRS990/ProgramServiceRevenueGrp/Desc4VISA CARD INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt050192
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11192997
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt278893
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt335076
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4196868
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt050192
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11192997
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt278893
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt335076
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4196868
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVISION FOR LOAN LOSSES - RESERVE FOR UNCOLLECTABLE LOAN AMOUNTS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt022877
IRS990/ProgSrvcAccomActy3Grp/Desc0INFORMATION TECHNOLOGY - RECORDED MEMBER TRANSACTION INFORMATION AND PROVIDED ACCESS TO FUNDS IN PERSON, VIA HOME BANKING, AND ATM MACHINES.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt04661
IRS990/PYInvestmentIncomeAmt0196184
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0706421
IRS990/PYOtherRevenueAmt014400
IRS990/PYProgramServiceRevenueAmt01190868
IRS990/PYRevenuesLessExpensesAmt0188432
IRS990/PYSalariesCompEmpBnftPaidAmt0501938
IRS990/PYTotalExpensesAmt01213020
IRS990/PYTotalRevenueAmt01401452
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0386158
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt014400
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02432512
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02818670
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010496525
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05392429
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0734098
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0143847
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0877945
IRS990ScheduleD/EquipmentGrp/BookValueAmt0181923
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0387688
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0569611
IRS990ScheduleD/LandGrp/BookValueAmt0166092
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0166092
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0158175
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt071129
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0229304
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt016017
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt016017
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt038198397
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01256305
IRS990ScheduleD/TotalBookValueSecuritiesAmt06865000
IRS990ScheduleD/TotalLiabilityAmt038198397
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt070481
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11197
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt216565
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt385485
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt433032
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt55463
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt68393
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt715557
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt816510
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt912092
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1022879
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11290877
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt126384
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt138986
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1419653
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1532738
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt166810
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1722502
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1852818
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1914251
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt208401
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2172946
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt224082
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/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd12true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd13true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd14true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd15true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd16true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd17true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd18true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd19true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd20true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd22true
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/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd11false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd12false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd13false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd14false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd15false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd16false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd17false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd18false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd19false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.