Liabilities / Assets
75th percentile
Higher debt load relative to assets than 75% of similar nonprofits.
Affinity Credit Union
990 • Fiscal year 2014 • EIN 42-0794732
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.91x
Liabilities / Revenue
23rd percentile
Higher debt load relative to revenue than 23% of similar nonprofits.
Net Margin
67th percentile
Higher net margin than 67% of similar nonprofits.
Top Officer Pay
51st percentile
Higher top officer pay than 51% of similar nonprofits.
Top officer pay equals 2.7% of source-year revenue.
Asset Growth
89th percentile
Faster asset growth than 89% of similar nonprofits.
Revenue Growth
97th percentile
Faster revenue growth than 97% of similar nonprofits.
Balance Sheet
Assets
Up$78,681,497
Up $6,067,881 (+8.4%) from 2013
Net Assets
Up$7,351,069
Up $689,376 (+10%) from 2013
Liabilities
Up$71,330,428
Up $5,378,505 (+8.2%) from 2013
Revenue And Expenses
Revenue
Up$4,826,193
Up $694,823 (+17%) from 2013
Expenses
Up$4,154,494
Up $235,739 (+6.0%) from 2013
Net Income
Up$671,699
Up $459,084 (+216%) from 2013
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2014 to Dec 31, 2014
- Signed
- May 14, 2015
- Return Version
- 2014v5.0
- Gross Receipts
- $4,826,193
Mission and Program Overview
Mission
Building better lives by working in your best interest, simplify your life, provide solutions to help you achieve financial success and enrich our communities.
Affinity credit union is committed to providing innovative and excellent personal service and financial products to our membership while maintaining financial stability.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $51,646,074 | $62,275,931 | ▲ $10,629,857 |
| Investments Program Related | $10,589,700 | $6,276,300 | ▼ $4,313,400 |
| Savings and Temporary Cash Investments | $6,210,954 | $5,285,394 | ▼ $925,560 |
| Rtn Earn Endowment Incm Other Fnds | $3,830,456 | $4,023,942 | ▲ $193,486 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $2,831,237 | $3,327,127 | ▲ $495,890 |
| Land, Buildings, and Equipment, Net | $2,141,064 | $2,148,727 | ▲ $7,663 |
| Cash and Non-Interest-Bearing Accounts | $814,465 | $1,019,797 | ▲ $205,332 |
| Prepaid Expenses and Deferred Charges | $233,926 | $185,418 | ▼ $48,508 |
| Investments Other Securities | $1 | $2,143 | ▲ $2,142 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $72,613,616 | $78,681,497 | ▲ $6,067,881 |
| Other Assets Total | $977,432 | $1,487,787 | ▲ $510,355 |
| Liabilities | |||
| Other Liabilities | $65,099,090 | $70,544,511 | ▲ $5,445,421 |
| Accounts Payable and Accrued Expenses | $852,833 | $785,917 | ▼ $66,916 |
| Total Liabilities | $65,951,923 | $71,330,428 | ▲ $5,378,505 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $6,661,693 | $7,351,069 | ▲ $689,376 |
| Total Liabilities and Net Assets / Fund Balance | $72,613,616 | $78,681,497 | ▲ $6,067,881 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,455,185 | $876,568 | $2,331,753 |
| Equipment | $340,734 | $463,471 | $804,205 |
| Land | $283,648 | - | $283,648 |
| Leasehold Improvements | $38,919 | $182,729 | $221,648 |
| Other Land Buildings | $30,241 | $94,352 | $124,593 |
| Investment Program Related Org | $87,800 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Jason Crooks | CEO | FT | $120,026 | $10,295 | $130,321 |
| James Martens | Chairperson | - | $3,556 | - | $3,556 |
Board Members and Trustees
| Name | Title |
|---|---|
| David Busch | Vice Chairperson |
| Doug Sassman | Director |
| Jerry Johnson | Director |
| Kyle Johnson | Director |
| Lee Roy Porter Jr | Director |
| Rhonda Casey | Director |
| Marjorie Ramsey | Secretary |
| Daniel John | Treasurer |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Fiserv | Full Data Processing, Online Banking, Mo | 10926 DAVID TAYLOR DR SUITE 100, Charlotte, NC 28262 | $774,379 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $2,766,124
- Investment Income
- $120,315
- Other Revenue
- $1,939,754
- Change in Net Assets
- $671,699
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $4,826,193
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Total Revenue per Audited Statements
- $4,826,193
- Total Revenue per Form 990
- $4,826,193
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $2,625,523 |
| Salaries, Compensation, and Employee Benefits | $1,528,971 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $1,105,960 | - | - | $1,105,960 |
| Office Expenses | $378,129 | - | - | $378,129 |
| All Other Expenses | $284,057 | - | - | $284,057 |
| Information Technology | $247,788 | - | - | $247,788 |
| Occupancy | $182,448 | - | - | $182,448 |
| Depreciation Depletion | $173,049 | - | - | $173,049 |
| Other Employee Benefits | $167,292 | - | - | $167,292 |
| Interest | $153,888 | - | - | $153,888 |
| Current Officers, Directors, Trustees, and Key Employees | $133,877 | - | - | $133,877 |
| Payroll Taxes | $99,351 | - | - | $99,351 |
| Other Expenses | $93,399 | - | - | $93,399 |
| Advertising | $87,480 | - | - | $87,480 |
| Insurance | $57,101 | - | - | $57,101 |
| Fees for Services Legal | $31,560 | - | - | $31,560 |
| Fees for Services Accounting | $29,339 | - | - | $29,339 |
| Travel | $29,201 | - | - | $29,201 |
| Payments to Affiliates | $23,047 | - | - | $23,047 |
| Pension Plan Contributions | $22,491 | - | - | $22,491 |
| Conferences and Meetings | $9,000 | - | - | $9,000 |
| Total Functional Expenses | $4,154,494 | $0 | $0 | $4,154,494 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $4,154,494 |
| Total Expenses per Audited Statements | $4,154,494 |
| Total Expenses per Form 990 | $4,154,494 |
| 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 Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Shares | $70,544,511 |
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
“The entire board of directors is voted on by the membership out of the membership. Every year there are three positions up for election for three year terms (9 board members). Board members come out of the general membership and any member in good standing can run for the board. A member in good standing is one who is not delinquent on loan payments, has the minimum $25 membership amount on deposit, and had not caused the credit union a loss (charged off). For board/voting purposes the member must also be at least 16 years old. Each member has one vote for each open position.”
Form 990, Part VI, Section A, Line 7B
“The membership of the credit union is required to vote on any action that would change the bylaws of the credit union. This includes but is not limited to, name change, mergers, and charter conversion (changing structure away from a credit union).”
Form 990, Part VI, Section B, Line 11
“The ceo and cfo review the form after the cpa firm completes it based on the information provided to them by the credit union. After the form has been reviewed by management additional copies are made and given to the board of directors to review prior to the ceo signing the return.”
Form 990, Part VI, Section B, Line 12C
“The conflict of interest policy is reviewed annually. The board of directors and management are responsible for monitoring.”
Form 990, Part VI, Section B, Line 15A
“Iperformease and compease software is used to establish and maintain job pay scales and ensure equitable reviews for employees in the same job class and includes written job descriptions with written expectations that are used by the immediate supervisor to create the performance review that is reviewed by two levels of upper management.”
Form 990, Part VI, Section C, Line 18
“A copy of the current 990 is kept at the main office and is available for review during normal business hours.”
Form 990, Part VI, Section C, Line 19
“The monthly financial statement is posted in the lobby of each the of the branches.”
Filing and Contact Details
Filer
- Filer Name
- Affinity Credit Union
- EIN
- 42-0794732
- Phone
- 5152887225
- Address
- 475 NW HOFFMAN LANE, DES MOINES, IA 50313
Signing Officer
- Name
- Jason Crooks
- Title
- CEO
- Phone
- 5152887225
- Signed
- 2015-05-14
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Jason Crooks
- Formed
- 1949
- Legal Domicile
- Ia
- Voting Board Members
- 9
- Independent Board Members
- 9
- Employees
- 38
- 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 Page 12 Part XII Line 3C
“The audit committee; which is composed of board members; hires the cpa firm and policyworks to come in and perform regular outside audits and the results are reported to the full board. If any audit were to find an issue of concern it would be reported to the committee chair and the ceo (unless the ceo was part of the problem). The ceo assists in ensuring that all necessary audits occur when needed as the audit committee members are all volunteers and the ceo is on site daily. On a daily basis the ceo works with the cfo to maintain the books and the ceo must approve and initial all invoices before they are paid.”
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.”
Raw XML AppendixShowing 400 of 450 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/ActivityOrMissionDesc | 0 | AFFINITY CREDIT UNION IS COMMITTED TO PROVIDING INNOVATIVE AND EXCELLENT PERSONAL SERVICE AND FINANCIAL PRODUCTS TO OUR MEMBERSHIP WHILE MAINTAINING FINANCIAL STABILITY. |
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| IRS990/Desc | 0 | AFFINITY CREDIT UNION PROVIDES A WIDE VARIETY OF SERVICES TO ITS MEMBERS. AFFINITY PROVIDES ECONOMICAL SAVINGS, CHECKING, AND OTHER DEPOSIT SERVICES. AFFINITY ALSO PROVIDES BUSINESS, CONSUMER AND REAL ESTATE LOANS. WE ALSO PROVIDE VARIOUS FINANCIAL ASSISTANCE/EDUCATION FOR MEMBERS OF ALL AGES. AFFINITY SERVED 11,577 MEMBERS IN 2014. AFFINITY CREDIT UNION CONTRIBUTED OVER $30,000 IN CHARITABLE CONTRIBUTIONS IN 2014. |
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| IRS990/GrossReceiptsAmt | 0 | 4826193 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 247788 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 247788 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 57101 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 57101 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 153888 |
| IRS990/InterestGrp/TotalAmt | 0 | 153888 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 111615 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 111615 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 1 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 2143 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 10589700 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 6276300 |
| IRS990/IRPDocumentCnt | 0 | 1242 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1617120 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2141064 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2148727 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 3765847 |
| IRS990/LegalDomicileStateCd | 0 | IA |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 0 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 417106 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 452417 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 35311 |
| IRS990/MissionDesc | 0 | AFFINITY CREDIT UNION IS COMMITTED TO PROVIDING INNOVATIVE AND EXCELLENT PERSONAL SERVICE AND FINANCIAL PRODUCTS TO OUR MEMBERSHIP WHILE MAINTAINING FINANCIAL STABILITY. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 6661693 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 7351069 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 8700 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 8700 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -33001 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 17677 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 182448 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 182448 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 378129 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 378129 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 977432 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1487787 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 167292 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 167292 |
| IRS990/OtherExpensesGrp/Desc | 0 | CREDIT/DEBIT CARD EXPEN |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | ONLINE FINANCIAL SERVIC |
| IRS990/OtherExpensesGrp/Desc | 3 | LOAN EXPENSE |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 469459 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 263753 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 112825 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 93399 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 469459 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 263753 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 112825 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 93399 |
| IRS990/OtherInd | 0 | X |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 65099090 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 70544511 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | SERVICE FEES |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | CREDIT/DEBIT CARD FEES |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 945567 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 541770 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 945567 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 541770 |
| IRS990/OtherRevenueTotalAmt | 0 | 1939754 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 1105960 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1105960 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 51646074 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 62275931 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt | 0 | 23047 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 23047 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 99351 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 99351 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 2831237 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 3327127 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 22491 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 22491 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 233926 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 185418 |
| IRS990/PrincipalOfficerNm | 0 | JASON CROOKS |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2766124 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2766124 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 111782 |
| IRS990/PYOtherExpensesAmt | 0 | 2559933 |
| IRS990/PYOtherRevenueAmt | 0 | 1718646 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2300942 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 212615 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1358822 |
| IRS990/PYTotalExpensesAmt | 0 | 3918755 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 4131370 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 671699 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 1 |
| IRS990/RevenueAmt | 0 | 4679267 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 3830456 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 4023942 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 6210954 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 5285394 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1455185 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 876568 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2331753 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 340734 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 463471 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 804205 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 4154494 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 5672000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 516500 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 87800 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | CERTIFICATE OF DEPOSIT |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | CORPORATE CENTRAL |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | FED HOME LOAN BK MEMBERSHIP STOCK |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 283648 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 283648 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 38919 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 182729 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 221648 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 30241 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 94352 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 124593 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 70544511 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 4826193 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | 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. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2148727 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 6276300 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 4154494 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 70544511 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 4826193 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 4826193 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 4154494 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE ORGANIZATION IS A CREDIT UNION WITH MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE ENTIRE BOARD OF DIRECTORS IS VOTED ON BY THE MEMBERSHIP OUT OF THE MEMBERSHIP. EVERY YEAR THERE ARE THREE POSITIONS UP FOR ELECTION FOR THREE YEAR TERMS (9 BOARD MEMBERS). BOARD MEMBERS COME OUT OF THE GENERAL MEMBERSHIP AND ANY MEMBER IN GOOD STANDING CAN RUN FOR THE BOARD. A MEMBER IN GOOD STANDING IS ONE WHO IS NOT DELINQUENT ON LOAN PAYMENTS, HAS THE MINIMUM $25 MEMBERSHIP AMOUNT ON DEPOSIT, AND HAD NOT CAUSED THE CREDIT UNION A LOSS (CHARGED OFF). FOR BOARD/VOTING PURPOSES THE MEMBER MUST ALSO BE AT LEAST 16 YEARS OLD. EACH MEMBER HAS ONE VOTE FOR EACH OPEN POSITION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE MEMBERSHIP OF THE CREDIT UNION IS REQUIRED TO VOTE ON ANY ACTION THAT WOULD CHANGE THE BYLAWS OF THE CREDIT UNION. THIS INCLUDES BUT IS NOT LIMITED TO, NAME CHANGE, MERGERS, AND CHARTER CONVERSION (CHANGING STRUCTURE AWAY FROM A CREDIT UNION). |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE CEO AND CFO REVIEW THE FORM AFTER THE CPA FIRM COMPLETES IT BASED ON THE INFORMATION PROVIDED TO THEM BY THE CREDIT UNION. AFTER THE FORM HAS BEEN REVIEWED BY MANAGEMENT ADDITIONAL COPIES ARE MADE AND GIVEN TO THE BOARD OF DIRECTORS TO REVIEW PRIOR TO THE CEO SIGNING THE RETURN. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE CONFLICT OF INTEREST POLICY IS REVIEWED ANNUALLY. THE BOARD OF DIRECTORS AND MANAGEMENT ARE RESPONSIBLE FOR MONITORING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | IPERFORMEASE AND COMPEASE SOFTWARE IS USED TO ESTABLISH AND MAINTAIN JOB PAY SCALES AND ENSURE EQUITABLE REVIEWS FOR EMPLOYEES IN THE SAME JOB CLASS AND INCLUDES WRITTEN JOB DESCRIPTIONS WITH WRITTEN EXPECTATIONS THAT ARE USED BY THE IMMEDIATE SUPERVISOR TO CREATE THE PERFORMANCE REVIEW THAT IS REVIEWED BY TWO LEVELS OF UPPER MANAGEMENT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | A COPY OF THE CURRENT 990 IS KEPT AT THE MAIN OFFICE AND IS AVAILABLE FOR REVIEW DURING NORMAL BUSINESS HOURS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE MONTHLY FINANCIAL STATEMENT IS POSTED IN THE LOBBY OF EACH THE OF THE BRANCHES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | THE AUDIT COMMITTEE; WHICH IS COMPOSED OF BOARD MEMBERS; HIRES THE CPA FIRM AND POLICYWORKS TO COME IN AND PERFORM REGULAR OUTSIDE AUDITS AND THE RESULTS ARE REPORTED TO THE FULL BOARD. IF ANY AUDIT WERE TO FIND AN ISSUE OF CONCERN IT WOULD BE REPORTED TO THE COMMITTEE CHAIR AND THE CEO (UNLESS THE CEO WAS PART OF THE PROBLEM). THE CEO ASSISTS IN ENSURING THAT ALL NECESSARY AUDITS OCCUR WHEN NEEDED AS THE AUDIT COMMITTEE MEMBERS ARE ALL VOLUNTEERS AND THE CEO IS ON SITE DAILY. ON A DAILY BASIS THE CEO WORKS WITH THE CFO TO MAINTAIN THE BOOKS AND THE CEO MUST APPROVE AND INITIAL ALL INVOICES BEFORE THEY ARE PAID. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 18 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990 PAGE 12 PART XII LINE 3C |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 72613616 |
| IRS990/TotalAssetsEOYAmt | 0 | 78681497 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 72613616 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 78681497 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 38 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 4154494 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 4154494 |
| IRS990/TotalGrossUBIAmt | 0 | 35311 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 65951923 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 71330428 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 65951923 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 71330428 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 6661693 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 7351069 |
| IRS990/TotalOtherCompensationAmt | 0 | 10295 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 4154494 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $78,681,497
- Liabilities
- $71,330,428
- Net assets
- $7,351,069
- Revenue
- $4,826,193
- Expenses
- $4,154,494
- Net income
- $671,699