Civic Intelligence

Bent River Community Credit Union

990 • Fiscal year 2015 • EIN 42-0207895

Jan 01, 2015 to Dec 31, 2015 • Filed on Jul 08, 2016

Organization Profilecccu.creditunion.org

View Organization Page

709 E 46th StreetDavenport, IA 52807

(563) 391-2850

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.90x

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

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

Liabilities / Revenue

56th percentile

21.34x

Higher debt load relative to revenue than 56% of similar nonprofits.

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

Net Margin

19th percentile

-1.7%

Higher net margin than 19% of similar nonprofits.

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

Top Officer Pay

66th percentile

$83,778

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 8.2% of source-year revenue.

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

Asset Growth

53rd percentile

3.5%

Faster asset growth than 53% of similar nonprofits.

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

Revenue Growth

84th percentile

7.7%

Faster revenue growth than 84% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$24,198,332

Up $817,456 (+3.5%) from 2014

Net Assets

Down

$2,473,325

Down $17,547 (-0.7%) from 2014

Liabilities

Up

$21,725,007

Up $835,003 (+4.0%) from 2014

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin19th percentile

Revenue

Up

$1,018,047

Up $72,559 (+7.7%) from 2014

Expenses

Up

$1,035,594

Up $89,353 (+9.4%) from 2014

Net Income

Down

-$17,547

Down $16,794 (-2230%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth53rd percentile

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

$30M$20M$10M$0Assets 2011: $21,606,340Liabilities 2011: $19,098,736Net Assets 2011: $2,507,6042011Assets 2012: $22,424,824Liabilities 2012: $19,867,480Net Assets 2012: $2,557,3442012Assets 2013: $22,830,396Liabilities 2013: $20,338,771Net Assets 2013: $2,491,6252013Assets 2014: $23,380,876Liabilities 2014: $20,890,004Net Assets 2014: $2,490,8722014Assets 2015: $24,198,332Liabilities 2015: $21,725,007Net Assets 2015: $2,473,3252015Assets 2016: $19,692,751Liabilities 2016: $17,066,172Net Assets 2016: $2,626,5792016

Highlighted filing

2015

Assets$24,198,332
Liabilities$21,725,007
Net Assets$2,473,325
Open 2015 Filing

Operations Trend

Revenue Growth84th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2011: $847,0622011Expenses 2012: $816,1062012Revenue 2013: $842,436Expenses 2013: $908,155Net Income 2013: -$65,7192013Revenue 2014: $945,488Expenses 2014: $946,241Net Income 2014: -$7532014Revenue 2015: $1,018,047Expenses 2015: $1,035,594Net Income 2015: -$17,5472015Revenue 2016: $1,116,857Expenses 2016: $1,004,712Net Income 2016: $112,1452016

Highlighted filing

2015

Revenue$1,018,047
Expenses$1,035,594
Net Income-$17,547
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jul 8, 2016
Return Version
2015v2.1
Gross Receipts
$1,018,047
Mission and Program Overview

Mission

Local financial institution

Local financial institution dedicated to serviving the financial needs of our 2,171 members within a local community wide charter

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$14,380,849$14,408,675▲ $27,826
Investments Program Related$6,142,106$6,406,372▲ $264,266
Cash and Non-Interest-Bearing Accounts$1,520,953$2,040,033▲ $519,080
Rtn Earn Endowment Incm Other Fnds$1,496,197$1,514,602▲ $18,405
Pd in Cap Srpls Land Bldg Eqp Fund$994,675$958,723▼ $35,952
Land, Buildings, and Equipment, Net$891,474$861,168▼ $30,306
Receivables From Officers Etc$83,162$65,012▼ $18,150
Total Assets$23,380,876$24,198,332▲ $817,456
Other Assets Total$362,332$417,072▲ $54,740
Liabilities
Other Liabilities$20,890,004$21,615,056▲ $725,052
Accounts Payable and Accrued Expenses-$109,951-
Total Liabilities$20,890,004$21,725,007▲ $835,003
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,490,872$2,473,325▼ $17,547
Total Liabilities and Net Assets / Fund Balance$23,380,876$24,198,332▲ $817,456

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$591,892$198,394$790,286
Land$250,292-$250,292
Other Land Buildings$18,984-$18,984
Investment Program Related Org$6,406,372--
Other Assets Org$28,919--
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Randy HassPresidentFT$83,778$83,778
Don LewisDirector-$1,064$1,064
Tom EngelmannDirector-$475$475

Board Members and Trustees

NameTitle
Jeff BolingChairman
Joe Van Camp IiiVice Chairman
Brian BrewerDirector
Kimberly JamesDirector
Pat CrossenDirector
Rich CraddickDirector
Shane GieseDirector
Claire BrodersSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$932,266
Investment Income
$85,781
Other Revenue
$0
Change in Net Assets
$-17,547
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$568,826
Salaries, Compensation, and Employee Benefits$386,029
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$386,029$0$0$386,029
Fees for Services Accounting$104,425$0$0$104,425
Occupancy$97,197$0$0$97,197
Office Expenses$89,405$0$0$89,405
Benefits to Members$80,739--$80,739
Other Expenses$44,123$0$0$44,123
Advertising$29,946$0$0$29,946
Travel$12,429$0$0$12,429
Information Technology$10,712$0$0$10,712
Fees for Services Other$5,585$0$0$5,585
Interest$828$0$0$828
Total Functional Expenses$1,035,594$0$0$1,035,594
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$83,162$65,012▼ $18,150
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$21,557,503
Accrued Expenses$41,108
Accrued Divivends on Member Accounts$16,445
Other Accruals-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Bent River Community Credit Union
EIN
42-0207895
Phone
5633912850
Address
709 E 46TH STREET, DAVENPORT, IA 52807

Signing Officer

Name
Randy Hass
Title
President
Phone
5633912850
Signed
2016-07-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Randy Hass
Formed
1935
Legal Domicile
Ia
Voting Board Members
10
Independent Board Members
9
Employees
13
Volunteers
12

Preparer

Firm
Tom Engelmann CPA
Address
1111 East River Drive, Davenport, IA 52803-5740
Preparer
Tom Engelmann
Phone
5633233568
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“990 reveiewd by officers prior to filing / subsequently by entire board”

Pt VI, Line 12C

“The credit union enforces conflict of interest policy”

Pt VI, Line 15A

“Chair of board does comparability survey & brings results to board for decision”

Pt VI, Line 19

“ON FILE & available on request / financial statements posted in lobby”

Pt VI, Line 6

“A cooperative, the credit union is owned by its memebers”

Pt VI, Line 7A

“All members allowed to vote at annual meeting for election of directors”

Pt XII, Line 2C

“Designated audit commiottee of the board”

Raw XML AppendixShowing 400 of 458 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/EOYAmt0109951
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0LOCAL FINANCIAL INSTITUTION DEDICATED TO SERVIVING THE FINANCIAL NEEDS OF OUR 2,171 MEMBERS WITHIN A LOCAL COMMUNITY WIDE CHARTER
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt029946
IRS990/AdvertisingGrp/TotalAmt029946
IRS990/AnnualDisclosureCoveredPrsnInd0false
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/ProgramServicesAmt080739
IRS990/BenefitsToMembersGrp/TotalAmt080739
IRS990/BooksInCareOfDetail/PersonNm0RANDY HASS
IRS990/BooksInCareOfDetail/PhoneNum05633912850
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0709 E 46TH STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0DAVENPORT
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd052803
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt01520953
IRS990/CashNonInterestBearingGrp/EOYAmt02040033
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt080739
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt085781
IRS990/CYOtherExpensesAmt0568826
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0932266
IRS990/CYRevenuesLessExpensesAmt0-17547
IRS990/CYSalariesCompEmpBnftPaidAmt0386029
IRS990/CYTotalExpensesAmt01035594
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01018047
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0PROVIDE LOW COST RELIABLE FINANCIAL SERVICES TO ALL OF OUR 2,171 MEMBERS FROM SAVINGS PRODUCTS TO LENDING
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt013
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt0104425
IRS990/FeesForServicesAccountingGrp/TotalAmt0104425
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt05585
IRS990/FeesForServicesOtherGrp/TotalAmt05585
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
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/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1042.00
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/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
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/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0BRIAN BREWER
IRS990/Form990PartVIISectionAGrp/PersonNm1JEFF BOLING
IRS990/Form990PartVIISectionAGrp/PersonNm2JOE VAN CAMP III
IRS990/Form990PartVIISectionAGrp/PersonNm3CLAIRE BRODERS
IRS990/Form990PartVIISectionAGrp/PersonNm4KIMBERLY JAMES
IRS990/Form990PartVIISectionAGrp/PersonNm5DON LEWIS
IRS990/Form990PartVIISectionAGrp/PersonNm6TOM ENGELMANN
IRS990/Form990PartVIISectionAGrp/PersonNm7PAT CROSSEN
IRS990/Form990PartVIISectionAGrp/PersonNm8RICH CRADDICK
IRS990/Form990PartVIISectionAGrp/PersonNm9SHANE GIESE
IRS990/Form990PartVIISectionAGrp/PersonNm10RANDY HASS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt51064
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6475
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1083778
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/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01018047
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt09
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt010712
IRS990/InformationTechnologyGrp/TotalAmt010712
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt0828
IRS990/InterestGrp/TotalAmt0828
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt085781
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt06142106
IRS990/InvestmentsProgramRelatedGrp/EOYAmt06406372
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0198394
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0891474
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0861168
IRS990/LandBldgEquipCostOrOtherBssAmt01059562
IRS990/LegalDomicileStateCd0IA
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0LOCAL FINANCIAL INSTITUTION
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02490872
IRS990/NetAssetsOrFundBalancesEOYAmt02473325
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt097197
IRS990/OccupancyGrp/TotalAmt097197
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt089405
IRS990/OfficeExpensesGrp/TotalAmt089405
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0362332
IRS990/OtherAssetsTotalGrp/EOYAmt0417072
IRS990/OtherExpensesGrp/Desc0NON OPERSTING LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING COSTS
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS OPERATING
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt012191
IRS990/OtherExpensesGrp/ProgramServicesAmt1133854
IRS990/OtherExpensesGrp/ProgramServicesAmt228131
IRS990/OtherExpensesGrp/ProgramServicesAmt344123
IRS990/OtherExpensesGrp/TotalAmt012191
IRS990/OtherExpensesGrp/TotalAmt1133854
IRS990/OtherExpensesGrp/TotalAmt228131
IRS990/OtherExpensesGrp/TotalAmt344123
IRS990/OtherLiabilitiesGrp/BOYAmt020890004
IRS990/OtherLiabilitiesGrp/EOYAmt021615056
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0386029
IRS990/OtherSalariesAndWagesGrp/TotalAmt0386029
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt014380849
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt014408675
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0994675
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt0958723
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0RANDY HASS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522291
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME CONSUMER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0710624
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1133916
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt287726
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt070805
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt092201
IRS990/PYOtherExpensesAmt0494012
IRS990/PYProgramServiceRevenueAmt0853287
IRS990/PYRevenuesLessExpensesAmt0-753
IRS990/PYSalariesCompEmpBnftPaidAmt0381424
IRS990/PYTotalExpensesAmt0946241
IRS990/PYTotalRevenueAmt0945488
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt083162
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt065012
IRS990/ReconcilationRevenueExpnssAmt0-17547
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01496197
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01514602
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0591892
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0198394
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0790286
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt06406372
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0ALL INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/LandGrp/BookValueAmt0250292
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0250292
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0206797
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1142913
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt238443
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt328919
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF INSURANCE FUND
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1OTHER ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ACCRUED INCOME REC'L
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3PREPAID EXPENSES
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt018984
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt018984
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt041108
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt116445
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt221557503
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCRUED EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED DIVIVENDS ON MEMBER ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MEMBER SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3OTHER ACCRUALS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0861168
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0417072
IRS990ScheduleD/TotalBookValueProgramRltdAmt06406372
IRS990ScheduleD/TotalLiabilityAmt021615056
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt023386
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt110803
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt211565
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt33698
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt415560
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0VEHICLES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1HOME & PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2VEHICLES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3HOME / VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt025000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt125910
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt232000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt322158
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt416000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0MELISSA DAILY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1JOE VAN CAMP III
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2BRIAN BREWER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3TOM ENGELMANN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4RANDY HASS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0EMPLOYEE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/TotalBalanceDueAmt065012
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0990 REVEIEWD BY OFFICERS PRIOR TO FILING / SUBSEQUENTLY BY ENTIRE BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION ENFORCES CONFLICT OF INTEREST POLICY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CHAIR OF BOARD DOES COMPARABILITY SURVEY & BRINGS RESULTS TO BOARD FOR DECISION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ON FILE & available on request / financial statements posted in lobby
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A COOPERATIVE, THE CREDIT UNION IS OWNED BY ITS MEMEBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ALL MEMBERS ALLOWED TO VOTE AT ANNUAL MEETING FOR ELECTION OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DESIGNATED AUDIT COMMIOTTEE OF THE BOARD
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt XII, Line 2c
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt023380876
IRS990/TotalAssetsEOYAmt024198332
IRS990/TotalAssetsGrp/BOYAmt023380876
IRS990/TotalAssetsGrp/EOYAmt024198332
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01035594

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$24,198,332
Liabilities
$21,725,007
Net assets
$2,473,325
Revenue
$1,018,047
Expenses
$1,035,594
Net income
-$17,547
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$19.7$17.1$2.63$1.12$1.00$0.11
2015Detailed filing. Detailed filing data is available for this year.$24.2$21.7$2.47$1.02$1.04$0.02
2014Detailed filing. Detailed filing data is available for this year.$23.4$20.9$2.49$0.95$0.95$0.00
2013Detailed filing. Detailed filing data is available for this year.$22.8$20.3$2.49$0.84$0.91$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.4$19.9$2.56$0.82
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.6$19.1$2.51$0.85