Civic Intelligence

Journey Credit Union

EIN 42-0778025 • 501(c)14 • Des Moines, IA

View Organization Page

Profile

The organization is a not-for-profit finacial institution and will strive to benefit all members by promoting thrift and savings and offering loans at reasonable interest rates.

PO Box 1496Des Moines, IA 50314

www.journeycu.org

Siviq Scores

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

Liabilities / Assets

20th percentile

0.84x

Higher debt load relative to assets than 20% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

18th percentile

12.49x

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

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

87th percentile

25%

Higher net margin than 87% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

90th percentile

$277,359

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 4.7% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

70th percentile

4.8%

Faster asset growth than 70% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

55th percentile

11%

Faster revenue growth than 55% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets20th percentile

Assets

Up

$88,128,196

Up $4,064,294 (+4.8%) from 2023

Liabilities

Up

$73,775,845

Up $2,562,444 (+3.6%) from 2023

Net Assets

Up

$14,352,351

Up $1,501,850 (+12%) from 2023

Operations
Liabilities / Revenue18th percentileNet Margin87th percentile

Revenue

Up

$5,905,414

Up $607,043 (+11%) from 2023

Expenses

Up

$4,425,831

Up $571,348 (+15%) from 2023

Net Income

Up

$1,479,583

Up $35,695 (+2.5%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth70th percentile

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

$100M$50M$0Assets 2010: $34,619,145Liabilities 2010: $30,018,919Net Assets 2010: $4,600,2262010Assets 2012: $41,709,649Liabilities 2012: $36,341,944Net Assets 2012: $5,367,7052012Assets 2013: $43,217,406Liabilities 2013: $37,385,325Net Assets 2013: $5,832,0812013Assets 2014: $46,221,237Liabilities 2014: $39,971,941Net Assets 2014: $6,249,2962014Assets 2015: $48,622,818Liabilities 2015: $41,863,263Net Assets 2015: $6,759,5552015Assets 2016: $52,395,356Liabilities 2016: $45,121,668Net Assets 2016: $7,273,6882016Assets 2017: $55,186,902Liabilities 2017: $47,355,072Net Assets 2017: $7,831,8302017Assets 2018: $58,940,068Liabilities 2018: $50,541,983Net Assets 2018: $8,398,0852018Assets 2020: $72,308,976Liabilities 2020: $62,965,752Net Assets 2020: $9,343,2242020Assets 2021: $79,349,457Liabilities 2021: $69,185,435Net Assets 2021: $10,164,0222021Assets 2022: $84,833,011Liabilities 2022: $73,448,156Net Assets 2022: $11,384,8552022Assets 2023: $84,063,902Liabilities 2023: $71,213,401Net Assets 2023: $12,850,5012023Assets 2024: $88,128,196Liabilities 2024: $73,775,845Net Assets 2024: $14,352,3512024

Highlighted filing

2024

Assets$88,128,196
Liabilities$73,775,845
Net Assets$14,352,351
Open 2024 Filing

Operations Trend

Revenue Growth55th percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $2,300,9772010Expenses 2012: $2,221,5592012Revenue 2013: $2,523,782Expenses 2013: $2,059,404Net Income 2013: $464,3782013Revenue 2014: $2,452,844Expenses 2014: $2,035,970Net Income 2014: $416,8742014Revenue 2015: $2,568,031Expenses 2015: $2,057,378Net Income 2015: $510,6532015Revenue 2016: $2,703,134Expenses 2016: $2,259,055Net Income 2016: $444,0792016Revenue 2017: $2,868,047Expenses 2017: $2,319,498Net Income 2017: $548,5492017Revenue 2018: $3,222,855Expenses 2018: $2,650,374Net Income 2018: $572,4812018Revenue 2020: $3,306,932Expenses 2020: $2,846,973Net Income 2020: $459,9592020Revenue 2021: $3,298,646Expenses 2021: $2,490,125Net Income 2021: $808,5212021Revenue 2022: $4,038,666Expenses 2022: $2,802,755Net Income 2022: $1,235,9112022Revenue 2023: $5,298,371Expenses 2023: $3,854,483Net Income 2023: $1,443,8882023Revenue 2024: $5,905,414Expenses 2024: $4,425,831Net Income 2024: $1,479,5832024

Highlighted filing

2024

Revenue$5,905,414
Expenses$4,425,831
Net Income$1,479,583
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$88,128,196
Liabilities
$73,775,845
Net assets
$14,352,351
Revenue
$5,905,414
Expenses
$4,425,831
Net income
$1,479,583
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$88.1$73.8$14.4$5.91$4.43$1.48
2023Detailed filing. Detailed filing data is available for this year.$84.1$71.2$12.9$5.30$3.85$1.44
2022Detailed filing. Detailed filing data is available for this year.$84.8$73.4$11.4$4.04$2.80$1.24
2021Detailed filing. Detailed filing data is available for this year.$79.3$69.2$10.2$3.30$2.49$0.81
2020Detailed filing. Detailed filing data is available for this year.$72.3$63.0$9.34$3.31$2.85$0.46
2018Detailed filing. Detailed filing data is available for this year.$58.9$50.5$8.40$3.22$2.65$0.57
2017Detailed filing. Detailed filing data is available for this year.$55.2$47.4$7.83$2.87$2.32$0.55
2016Detailed filing. Detailed filing data is available for this year.$52.4$45.1$7.27$2.70$2.26$0.44
2015Detailed filing. Detailed filing data is available for this year.$48.6$41.9$6.76$2.57$2.06$0.51
2014Detailed filing. Detailed filing data is available for this year.$46.2$40.0$6.25$2.45$2.04$0.42
2013Detailed filing. Detailed filing data is available for this year.$43.2$37.4$5.83$2.52$2.06$0.46
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.7$36.3$5.37$2.22
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.6$30.0$4.60$2.30
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 14, 2025
Return Version
2024v5.1
Gross Receipts
$5,905,414
Mission and Program Overview

Mission

The organization is a not-for-profit finacial institution and will strive to benefit all members by promoting thrift and savings and offering loans at reasonable interest rates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$48,192,043$51,891,905▲ $3,699,862
Investments Program Related$19,112,610$17,731,275▼ $1,381,335
Cash and Non-Interest-Bearing Accounts$11,871,247$13,030,323▲ $1,159,076
Rtn Earn Endowment Incm Other Fnds$10,091,004$11,470,587▲ $1,379,583
Pd in Cap Srpls Land Bldg Eqp Fund$2,759,497$2,881,764▲ $122,267
Land, Buildings, and Equipment, Net$1,773,297$2,681,688▲ $908,391
Investments Other Securities$1,350,000$1,350,000→ $0
Prepaid Expenses and Deferred Charges$111,378$101,579▼ $9,799
Accounts Receivable$488,502$83,821▼ $404,681
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$84,063,902$88,128,196▲ $4,064,294
Other Assets Total$1,164,825$1,257,605▲ $92,780
Liabilities
Other Liabilities$70,218,670$72,987,098▲ $2,768,428
Accounts Payable and Accrued Expenses$994,731$788,747▼ $205,984
Total Liabilities$71,213,401$73,775,845▲ $2,562,444
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,850,501$14,352,351▲ $1,501,850
Total Liabilities and Net Assets / Fund Balance$84,063,902$88,128,196▲ $4,064,294

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,158,919$391,777$2,550,696
Equipment$142,733$339,415$482,148
Land$365,145-$365,145
Leasehold Improvements$14,891$784$15,675
Investment Program Related Org$272,730--
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rachel BallengerCEOFT$194,858$82,501$277,359
Michelle PeacockVP Branch OperationsFT$95,156$57,442$152,598

Board Members and Trustees

NameTitle
Ted CrowChairperson
Terry SmithVice Chairperson
Amber DardanesDirector
Jamie GreenDirector
Michelle SmithDirector
Mike WadeDirector
Robert DevineyDirector
Dominic FilippelliSecretary
Kris StubbsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,391,177
Investment Income
$1,271,527
Other Revenue
$1,242,710
Change in Net Assets
$1,479,583
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,235,477
Salaries, Compensation, and Employee Benefits$1,190,354
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$1,486,957--$1,486,957
Other Salaries and Wages$546,142--$546,142
Office Expenses$521,779--$521,779
Current Officers, Directors, Trustees, and Key Employees$429,957--$429,957
Other Expenses$238,013--$238,013
Information Technology$138,850--$138,850
Occupancy$136,244--$136,244
Fees for Services Other$118,215--$118,215
Depreciation Depletion$107,401--$107,401
Other Employee Benefits$99,083--$99,083
All Other Expenses$78,997--$78,997
Payroll Taxes$67,181--$67,181
Conferences and Meetings$62,025--$62,025
Pension Plan Contributions$47,991--$47,991
Advertising$40,140--$40,140
Fees for Services Accounting$12,000--$12,000
Travel$8,600--$8,600
Payments to Affiliates$6,742--$6,742
Fees for Services Legal$907--$907
Total Functional Expenses$4,425,831$0$0$4,425,831
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
Members Shares$72,987,098
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 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
No
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Journey credit union is supported by its members.”

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

“The members of the credit union elect the volunteer board of directors who govern the credit union.”

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

“A copy of the form 990 was not provided to the organization's governing body before it was filed. The board does review it but generally not until after it is filed and the ceo has received a copy.”

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

“The monitoring of the conflict of interest policy is done annually at a board meeting. Each board member must review and disclose any possible conflicts at that time.”

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

“The credit union uses industry surveys and public information to determine the ceo's compensation. Salary surveys are also used for other employees.”

Form 990, Part VI, Section C, Line 19

“Governing documents are available online or upon request. The financial statements are posted in the credit union office.”

Filing and Contact Details

Filer

Filer Name
Journey Credit Union
EIN
42-0778025
Phone
5152438735
Address
PO BOX 1496, DES MOINES, IA 50314

Signing Officer

Name
Rachel Ballenger
Title
CEO
Phone
5152438735
Signed
2025-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rachel Ballenger
Formed
1954
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
22
Volunteers
0

Preparer

Firm
Gardiner Company Pc
Address
10555 NEW YORK AVENUE SUITE 200, DES MOINES, IA 50322
Preparer
Robert Bell CPA
Phone
5152701446
Raw XML AppendixShowing 400 of 461 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/InvestmentsProgramRelatedGrp/BOYAmt019112610
IRS990/InvestmentsProgramRelatedGrp/EOYAmt017731275
IRS990/IRPDocumentCnt02706
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0731976
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01773297
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02681688
IRS990/LandBldgEquipCostOrOtherBssAmt03413664
IRS990/LegalDomicileStateCd0IA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt096005
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt096005
IRS990/MissionDesc0THE ORGANIZATION IS A NOT-FOR-PROFIT FINACIAL INSTITUTION AND WILL STRIVE TO BENEFIT ALL MEMBERS BY PROMOTING THRIFT AND SAVINGS AND OFFERING LOANS AT REASONABLE INTEREST RATES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt012850501
IRS990/NetAssetsOrFundBalancesEOYAmt014352351
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt022267
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt0136244
IRS990/OccupancyGrp/TotalAmt0136244
IRS990/OfficeExpensesGrp/ProgramServicesAmt0521779
IRS990/OfficeExpensesGrp/TotalAmt0521779
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01164825
IRS990/OtherAssetsTotalGrp/EOYAmt01257605
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt099083
IRS990/OtherEmployeeBenefitsGrp/TotalAmt099083
IRS990/OtherExpensesGrp/Desc0LOAN LOSS PROVISION
IRS990/OtherExpensesGrp/Desc1LOAN SERVICE EXPENSE
IRS990/OtherExpensesGrp/ProgramServicesAmt0278607
IRS990/OtherExpensesGrp/ProgramServicesAmt1238013
IRS990/OtherExpensesGrp/TotalAmt0278607
IRS990/OtherExpensesGrp/TotalAmt1238013
IRS990/OtherLiabilitiesGrp/BOYAmt070218670
IRS990/OtherLiabilitiesGrp/EOYAmt072987098
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0SERVICE FEE
IRS990/OtherRevenueMiscGrp/Desc1INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0922336
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1210198
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0925719
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1220986
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt03383
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt110788
IRS990/OtherRevenueTotalAmt01242710
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0546142
IRS990/OtherSalariesAndWagesGrp/TotalAmt0546142
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt048192043
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt051891905
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt06742
IRS990/PaymentsToAffiliatesGrp/TotalAmt06742
IRS990/PayrollTaxesGrp/ProgramServicesAmt067181
IRS990/PayrollTaxesGrp/TotalAmt067181
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt02759497
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt02881764
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt047991
IRS990/PensionPlanContributionsGrp/TotalAmt047991
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0111378
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0101579
IRS990/PrincipalOfficerNm0RACHEL BALLENGER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03391177
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03391177
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01250008
IRS990/PYOtherExpensesAmt02700607
IRS990/PYOtherRevenueAmt01246562
IRS990/PYProgramServiceRevenueAmt02801801
IRS990/PYRevenuesLessExpensesAmt01443888
IRS990/PYSalariesCompEmpBnftPaidAmt01153876
IRS990/PYTotalExpensesAmt03854483
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05298371
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt01479583
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt04619716
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010091004
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt011470587
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02158919
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0391777
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02550696
IRS990ScheduleD/EquipmentGrp/BookValueAmt0142733
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0339415
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0482148
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt016356000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1800000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2251545
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt351000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4272730
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERTIFICATES OF DEPOSITS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1NCB RESERVE ACCOUNT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2INVESTMENT IN COMMUNITY BUSINESS LE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3FHLB
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4LOAN TO COOPERATIVE TECHNOLOGY
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/LandGrp/BookValueAmt0365145
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0365145
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt014891
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0784
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt015675
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt072987098
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02681688
IRS990ScheduleD/TotalBookValueProgramRltdAmt017731275
IRS990ScheduleD/TotalLiabilityAmt072987098
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0194858
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt195156
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount019150
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount114350
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/DeferredCompensationFlngOrgAmt039573
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt122533
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt023778
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt120559
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RACHEL BALLENGER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1MICHELLE PEACOCK
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VP BRANCH OPERATIONS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0277359
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1152598
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE BOARD USED A COMPEASE STUDY AS WELL AS INFORMATION PROVIDED BY CUES. THE EXECUTIVE COMMITTEE RESEARCHES AND IT IS APPROVED BY THE FULL BOARD OF DIRECTORS.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0JOURNEY CREDIT UNION IS SUPPORTED BY ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE CREDIT UNION ELECT THE VOLUNTEER BOARD OF DIRECTORS WHO GOVERN THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COPY OF THE FORM 990 WAS NOT PROVIDED TO THE ORGANIZATION'S GOVERNING BODY BEFORE IT WAS FILED. THE BOARD DOES REVIEW IT BUT GENERALLY NOT UNTIL AFTER IT IS FILED AND THE CEO HAS RECEIVED A COPY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE MONITORING OF THE CONFLICT OF INTEREST POLICY IS DONE ANNUALLY AT A BOARD MEETING. EACH BOARD MEMBER MUST REVIEW AND DISCLOSE ANY POSSIBLE CONFLICTS AT THAT TIME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION USES INDUSTRY SURVEYS AND PUBLIC INFORMATION TO DETERMINE THE CEO'S COMPENSATION. SALARY SURVEYS ARE ALSO USED FOR OTHER EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS ARE AVAILABLE ONLINE OR UPON REQUEST. THE FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
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 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt084063902
IRS990/TotalAssetsEOYAmt088128196
IRS990/TotalAssetsGrp/BOYAmt084063902
IRS990/TotalAssetsGrp/EOYAmt088128196
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt022
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt04425831

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