Civic Intelligence

Citizens Community Credit Union

990 • Fiscal year 2015 • EIN 42-0566171

Jan 01, 2015 to Dec 31, 2015 • Filed on May 02, 2016

Organization ProfileWWW.CITIZENSCU.COM

View Organization Page

2012 1st Avenue SouthFort Dodge, IA 50501

(515) 955-5524

Siviq Scores

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

Liabilities / Assets

21st percentile

0.86x

Higher debt load relative to assets than 21% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

18th percentile

14.04x

Higher debt load relative to revenue than 18% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

85th percentile

19%

Higher net margin than 85% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

49th percentile

$197,458

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Asset Growth

28th percentile

3.1%

Faster asset growth than 28% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

18th percentile

-1.4%

Faster revenue growth than 18% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets21st percentile

Assets

Up

$188,186,033

Up $5,620,674 (+3.1%) from 2014

Net Assets

Up

$25,661,971

Up $2,238,931 (+9.6%) from 2014

Liabilities

Up

$162,524,062

Up $3,381,743 (+2.1%) from 2014

Revenue And Expenses
Liabilities / Revenue18th percentileNet Margin85th percentile

Revenue

Down

$11,576,665

Down $163,759 (-1.4%) from 2014

Expenses

Down

$9,337,735

Down $215,981 (-2.3%) from 2014

Net Income

Up

$2,238,930

Up $52,222 (+2.4%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth28th percentile

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

$300M$200M$100M$0Assets 2010: $136,078,101Liabilities 2010: $121,237,085Net Assets 2010: $14,841,0162010Assets 2013: $171,894,028Liabilities 2013: $150,657,695Net Assets 2013: $21,236,3332013Assets 2014: $182,565,359Liabilities 2014: $159,142,319Net Assets 2014: $23,423,0402014Assets 2015: $188,186,033Liabilities 2015: $162,524,062Net Assets 2015: $25,661,9712015Assets 2016: $190,775,275Liabilities 2016: $163,341,894Net Assets 2016: $27,433,3812016Assets 2017: $191,532,723Liabilities 2017: $162,563,930Net Assets 2017: $28,968,7932017Assets 2018: $199,150,267Liabilities 2018: $168,377,121Net Assets 2018: $30,773,1462018Assets 2019: $198,127,445Liabilities 2019: $166,002,192Net Assets 2019: $32,125,2532019Assets 2020: $224,281,280Liabilities 2020: $191,375,858Net Assets 2020: $32,905,4222020Assets 2021: $243,602,484Liabilities 2021: $208,747,478Net Assets 2021: $34,855,0062021Assets 2022: $235,808,444Liabilities 2022: $199,721,337Net Assets 2022: $36,087,1072022Assets 2023: $219,457,714Liabilities 2023: $180,047,343Net Assets 2023: $39,410,3712023Assets 2024: $226,893,370Liabilities 2024: $184,289,255Net Assets 2024: $42,604,1152024

Highlighted filing

2015

Assets$188,186,033
Liabilities$162,524,062
Net Assets$25,661,971
Open 2015 Filing

Operations Trend

Revenue Growth18th percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $10,280,1942010Revenue 2013: $11,915,969Expenses 2013: $10,040,349Net Income 2013: $1,875,6202013Revenue 2014: $11,740,424Expenses 2014: $9,553,716Net Income 2014: $2,186,7082014Revenue 2015: $11,576,665Expenses 2015: $9,337,735Net Income 2015: $2,238,9302015Revenue 2016: $11,479,340Expenses 2016: $9,707,930Net Income 2016: $1,771,4102016Revenue 2017: $11,798,277Expenses 2017: $10,262,863Net Income 2017: $1,535,4142017Revenue 2018: $12,487,759Expenses 2018: $10,683,398Net Income 2018: $1,804,3612018Revenue 2019: $13,167,520Expenses 2019: $11,815,412Net Income 2019: $1,352,1082019Revenue 2020: $12,541,694Expenses 2020: $11,761,525Net Income 2020: $780,1692020Revenue 2021: $12,549,482Expenses 2021: $10,599,898Net Income 2021: $1,949,5842021Revenue 2022: $12,713,937Expenses 2022: $11,481,836Net Income 2022: $1,232,1012022Revenue 2023: $14,929,008Expenses 2023: $11,605,744Net Income 2023: $3,323,2642023Revenue 2024: $16,953,238Expenses 2024: $13,759,494Net Income 2024: $3,193,7442024

Highlighted filing

2015

Revenue$11,576,665
Expenses$9,337,735
Net Income$2,238,930
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 2, 2016
Return Version
2015v2.1
Gross Receipts
$11,576,665
Mission and Program Overview

Mission

To provide low cost financial services to our community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$134,530,353$138,340,452▲ $3,810,099
Savings and Temporary Cash Investments$34,183,058$31,496,118▼ $2,686,940
Rtn Earn Endowment Incm Other Fnds$19,367,028$21,262,486▲ $1,895,458
Pd in Cap Srpls Land Bldg Eqp Fund$4,056,012$4,399,485▲ $343,473
Investments Program Related-$4,186,284-
Land, Buildings, and Equipment, Net$2,952,368$2,772,287▼ $180,081
Cash and Non-Interest-Bearing Accounts$3,038,857$2,393,578▼ $645,279
Prepaid Expenses and Deferred Charges$75,709$98,214▲ $22,505
Accounts Receivable$4,130$4,581▲ $451
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$182,565,359$188,186,033▲ $5,620,674
Other Assets Total$7,780,884$8,894,519▲ $1,113,635
Liabilities
Other Liabilities$156,605,815$159,686,618▲ $3,080,803
Accounts Payable and Accrued Expenses$2,536,504$2,837,444▲ $300,940
Total Liabilities$159,142,319$162,524,062▲ $3,381,743
Net Assets / Fund Balance
Total Net Assets Fund Balance$23,423,040$25,661,971▲ $2,238,931
Total Liabilities and Net Assets / Fund Balance$182,565,359$188,186,033▲ $5,620,674

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,625,319$1,943,125$3,568,444
Land$703,759-$703,759
Leasehold Improvements$271,934$200,761$472,695
Equipment$171,275$159,172$330,447
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sean HanleyCEOFT$163,758$33,700$197,458
Vicki GordonSenior Vice PresidentFT$94,661$16,580$111,241
Lisa AlexanderVice PresidentFT$67,662$11,880$79,542
Katie AverillVice PresidentFT$64,979$8,080$73,059
Crystal PluthVice PresidentFT$60,445$7,580$68,025
Dan ScottAvpFT$57,262$7,280$64,542
Belinda BrownAvpFT$55,952$7,180$63,132
Jennifer CrimminsAvpFT$54,080$5,900$59,980
Tammy JonesAvpFT$44,595$10,080$54,675

Board Members and Trustees

NameTitle
Chris ParkerBoard Mbr
Dan StreitBoard Mbr
Harvey HilpipreBoard Mbr
Jared FeddersenBoard Mbr
Jim EgemoBoard Mbr
Kelly HindmanBoard Mbr
Terry AllersBoard Mbr
Tim DoyleBoard Mbr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,832,260
Investment Income
$209,366
Other Revenue
$535,039
Change in Net Assets
$2,238,930

Audited Revenue Reconciliation

Revenue per Audited Statements
$11,576,665
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$11,576,665
Total Revenue per Form 990
$11,576,665
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,186,350
Salaries, Compensation, and Employee Benefits$3,151,385
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,651,170--$1,651,170
Interest$1,206,173--$1,206,173
Current Officers, Directors, Trustees, and Key Employees$771,654--$771,654
Other Employee Benefits$480,768--$480,768
Office Expenses$439,281--$439,281
Information Technology$292,580--$292,580
Occupancy$271,292--$271,292
All Other Expenses$253,186--$253,186
Advertising$214,262--$214,262
Depreciation Depletion$204,024--$204,024
Payroll Taxes$175,880--$175,880
Fees for Services Legal$131,473--$131,473
Fees for Services Other$101,711--$101,711
Other Expenses$80,668--$80,668
Pension Plan Contributions$71,913--$71,913
Payments to Affiliates$30,787--$30,787
Travel$22,680--$22,680
Insurance$12,256--$12,256
Conferences and Meetings$2,981--$2,981
Total Functional Expenses$9,337,735$0$0$9,337,735

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,337,735
Total Expenses per Audited Statements$9,337,735
Total Expenses per Form 990$9,337,735
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Member Liabilities$159,686,618
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
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

“The organization is a credit union with members.”

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

“Members elect the board of directors.”

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

“Mergers are subject to member approval.”

Form 990, Part VI, Section B, Line 11

“Return is reviewed at board meeting after the ceo signs it.”

Form 990, Part VI, Section B, Line 12C

“The organization periodically addresses the conflict of interest policy by reviewing the interest of employees, officers, and directors during the bi-annual review by the auditors and during annual examinations by the state auditors.”

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

“The organization uses a third party survey and third party salary review.”

Form 990, Part VI, Section C, Line 19

“Public posting and upon request.”

Filing and Contact Details

Filer

Filer Name
Citizens Community Credit Union
EIN
42-0566171
Phone
5159555524
Address
2012 1ST AVENUE SOUTH, FORT DODGE, IA 50501

Signing Officer

Name
Sean Hanley
Title
CEO
Phone
5159555524
Signed
2016-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sean Hanley
Formed
1940
Legal Domicile
Ia
Voting Board Members
8
Independent Board Members
8
Employees
98
Volunteers
0

Preparer

Firm
Gardiner Thomsen
Address
10555 NEW YORK AVENUE SUITE 200, DES MOINES, IA 50322
Preparer
C L Telk Jr CPA
Phone
5152701446
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“ROUNDING 1.”

Form 990 Page 12 Part XII Line 3C

“The audit committe reviews the audited financials and discusses the audit with management and votes on retention of auditors.”

Financial Statement Notes

PART X, LINE 2:

“In accordance with the income taxes topic of the fasb asc, the credit union evaluates uncertain tax benefits arising from tax positions taken or expected to be taken based upon the likelihood of being sustained upon examination by applicable tax authorities. If the credit union determines that a tax position is more likely than not of being sustained, it recognizes the largest amount of the arising benefit that is greater than 50% likely of being realized upon settlement in the financial statements. Any tax positions taken or expected to be taken that do not pass the more likely than not test, the credit union establishes reserves offsetting the benefits related to such positions. Interest and penalties, if any, are included in the current period provision for income taxes in the credit union's statement of income and are included as a current liability in the balance sheet.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MBR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9SENIOR VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12AVP
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt14AVP
IRS990/Form990PartVIISectionAGrp/TitleTxt15AVP
IRS990/Form990PartVIISectionAGrp/TitleTxt16AVP
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
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IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
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IRS990/InsuranceGrp/ProgramServicesAmt012256
IRS990/InsuranceGrp/TotalAmt012256
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IRS990/InterestGrp/TotalAmt01206173
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0209366
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IRS990/MissionDesc0TO PROVIDE LOW COST FINANCIAL SERVICES TO OUR COMMUNITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt025661971
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IRS990/OtherAssetsTotalGrp/EOYAmt08894519
IRS990/OtherChangesInNetAssetsAmt01
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt0480768
IRS990/OtherExpensesGrp/Desc0DEALER EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2CREDIT/DEBIT CARD FEES
IRS990/OtherExpensesGrp/Desc3CREDIT REPORTS
IRS990/OtherExpensesGrp/ProgramServicesAmt01640027
IRS990/OtherExpensesGrp/ProgramServicesAmt1957829
IRS990/OtherExpensesGrp/ProgramServicesAmt2325140
IRS990/OtherExpensesGrp/ProgramServicesAmt380668
IRS990/OtherExpensesGrp/TotalAmt01640027
IRS990/OtherExpensesGrp/TotalAmt1957829
IRS990/OtherExpensesGrp/TotalAmt2325140
IRS990/OtherExpensesGrp/TotalAmt380668
IRS990/OtherLiabilitiesGrp/BOYAmt0156605815
IRS990/OtherLiabilitiesGrp/EOYAmt0159686618
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0485370
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0485370
IRS990/OtherRevenueTotalAmt0535039
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01651170
IRS990/OtherSalariesAndWagesGrp/TotalAmt01651170
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0134530353
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0138340452
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt030787
IRS990/PaymentsToAffiliatesGrp/TotalAmt030787
IRS990/PayrollTaxesGrp/ProgramServicesAmt0175880
IRS990/PayrollTaxesGrp/TotalAmt0175880
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt04056012
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt04399485
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt071913
IRS990/PensionPlanContributionsGrp/TotalAmt071913
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt075709
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt098214
IRS990/PrincipalOfficerNm0SEAN HANLEY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE FEES
IRS990/ProgramServiceRevenueGrp/Desc2CREDIT/DEBIT CARD
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08786395
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11265116
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2780749
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08786395
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11265116
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2780749
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0119120
IRS990/PYOtherExpensesAmt06531333
IRS990/PYOtherRevenueAmt0520517
IRS990/PYProgramServiceRevenueAmt011100787
IRS990/PYRevenuesLessExpensesAmt02186708
IRS990/PYSalariesCompEmpBnftPaidAmt03022383
IRS990/PYTotalExpensesAmt09553716
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt011740424
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt02238930
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt011367299
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt019367028
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt021262486
IRS990/SavingsAndTempCashInvstGrp/BOYAmt034183058
IRS990/SavingsAndTempCashInvstGrp/EOYAmt031496118
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01625319
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01943125
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03568444
IRS990ScheduleD/EquipmentGrp/BookValueAmt0171275
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0159172
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0330447
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt09337735
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0703759
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0703759
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0271934
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0200761
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0472695
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0159686618
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER LIABILITIES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt011576665
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0IN ACCORDANCE WITH THE INCOME TAXES TOPIC OF THE FASB ASC, THE CREDIT UNION EVALUATES UNCERTAIN TAX BENEFITS ARISING FROM TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN BASED UPON THE LIKELIHOOD OF BEING SUSTAINED UPON EXAMINATION BY APPLICABLE TAX AUTHORITIES. IF THE CREDIT UNION DETERMINES THAT A TAX POSITION IS MORE LIKELY THAN NOT OF BEING SUSTAINED, IT RECOGNIZES THE LARGEST AMOUNT OF THE ARISING BENEFIT THAT IS GREATER THAN 50% LIKELY OF BEING REALIZED UPON SETTLEMENT IN THE FINANCIAL STATEMENTS. ANY TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT DO NOT PASS THE MORE LIKELY THAN NOT TEST, THE CREDIT UNION ESTABLISHES RESERVES OFFSETTING THE BENEFITS RELATED TO SUCH POSITIONS. INTEREST AND PENALTIES, IF ANY, ARE INCLUDED IN THE CURRENT PERIOD PROVISION FOR INCOME TAXES IN THE CREDIT UNION'S STATEMENT OF INCOME AND ARE INCLUDED AS A CURRENT LIABILITY IN THE BALANCE SHEET.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02772287
IRS990ScheduleD/TotalExpensesPerForm990Amt09337735
IRS990ScheduleD/TotalLiabilityAmt0159686618
IRS990ScheduleD/TotalRevenuePerForm990Amt011576665
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt011576665
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt09337735
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0SEAN HANLEY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS A CREDIT UNION WITH MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MERGERS ARE SUBJECT TO MEMBER APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3RETURN IS REVIEWED AT BOARD MEETING AFTER THE CEO SIGNS IT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION PERIODICALLY ADDRESSES THE CONFLICT OF INTEREST POLICY BY REVIEWING THE INTEREST OF EMPLOYEES, OFFICERS, AND DIRECTORS DURING THE BI-ANNUAL REVIEW BY THE AUDITORS AND DURING ANNUAL EXAMINATIONS BY THE STATE AUDITORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION USES A THIRD PARTY SURVEY AND THIRD PARTY SALARY REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6PUBLIC POSTING AND UPON REQUEST.

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$188,186,033
Liabilities
$162,524,062
Net assets
$25,661,971
Revenue
$11,576,665
Expenses
$9,337,735
Net income
$2,238,930
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$227$184$42.6$17.0$13.8$3.19
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$219$180$39.4$14.9$11.6$3.32
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$236$200$36.1$12.7$11.5$1.23
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$244$209$34.9$12.5$10.6$1.95
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$224$191$32.9$12.5$11.8$0.78
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$198$166$32.1$13.2$11.8$1.35
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$199$168$30.8$12.5$10.7$1.80
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$192$163$29.0$11.8$10.3$1.54
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$191$163$27.4$11.5$9.71$1.77
2015Detailed filing. Detailed filing data is available for this year.$188$163$25.7$11.6$9.34$2.24
2014Detailed filing. Detailed filing data is available for this year.$183$159$23.4$11.7$9.55$2.19
2013Detailed filing. Detailed filing data is available for this year.$172$151$21.2$11.9$10.0$1.88
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$136$121$14.8$10.3