Liabilities / Assets
66th percentile
Higher debt load relative to assets than 66% of similar nonprofits.
Affinity Credit Union
990 • Fiscal year 2016 • EIN 42-0794732
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.90x
Liabilities / Revenue
17th percentile
Higher debt load relative to revenue than 17% of similar nonprofits.
Net Margin
87th percentile
Higher net margin than 87% of similar nonprofits.
Top Officer Pay
89th percentile
Higher top officer pay than 89% of similar nonprofits.
Top officer pay equals 3.4% of source-year revenue.
Asset Growth
52nd percentile
Faster asset growth than 52% of similar nonprofits.
Revenue Growth
92nd percentile
Faster revenue growth than 92% of similar nonprofits.
Balance Sheet
Assets
Up$95,866,702
Up $3,681,406 (+4.0%) from 2015
Net Assets
Up$9,478,102
Up $1,227,542 (+15%) from 2015
Liabilities
Up$86,388,600
Up $2,453,864 (+2.9%) from 2015
Revenue And Expenses
Revenue
Up$6,233,846
Up $870,633 (+16%) from 2015
Expenses
Up$5,004,810
Up $554,141 (+12%) from 2015
Net Income
Up$1,229,036
Up $316,492 (+35%) from 2015
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2016 to Dec 31, 2016
- Signed
- Oct 30, 2017
- Return Version
- 2016v3.0
- Gross Receipts
- $6,233,846
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 | $72,136,620 | $78,574,947 | ▲ $6,438,327 |
| Savings and Temporary Cash Investments | $13,771,695 | $9,632,956 | ▼ $4,138,739 |
| Rtn Earn Endowment Incm Other Fnds | $4,417,300 | $5,243,475 | ▲ $826,175 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $3,803,627 | $4,234,627 | ▲ $431,000 |
| Investments Program Related | $2,401,000 | $2,416,900 | ▲ $15,900 |
| Land, Buildings, and Equipment, Net | $1,989,395 | $1,839,643 | ▼ $149,752 |
| Cash and Non-Interest-Bearing Accounts | $707,485 | $916,293 | ▲ $208,808 |
| Investments Other Securities | $500,000 | $500,000 | → $0 |
| Prepaid Expenses and Deferred Charges | $232,714 | $191,085 | ▼ $41,629 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $92,762,021 | $95,866,702 | ▲ $3,104,681 |
| Other Assets Total | $1,023,112 | $1,794,878 | ▲ $771,766 |
| Liabilities | |||
| Other Liabilities | $83,003,545 | $83,832,025 | ▲ $828,480 |
| Accounts Payable and Accrued Expenses | $1,537,549 | $2,556,575 | ▲ $1,019,026 |
| Total Liabilities | $84,541,094 | $86,388,600 | ▲ $1,847,506 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $8,220,927 | $9,478,102 | ▲ $1,257,175 |
| Total Liabilities and Net Assets / Fund Balance | $92,762,021 | $95,866,702 | ▲ $3,104,681 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,361,601 | $1,094,980 | $2,456,581 |
| Equipment | $182,728 | $402,282 | $585,010 |
| Land | $283,648 | - | $283,648 |
| Leasehold Improvements | $11,666 | $97,573 | $109,239 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Jason Crooks | CEO | FT | $144,167 | $66,537 | $210,704 |
| Justin Williams | CFO | FT | $126,584 | $10,480 | $137,064 |
| James Martens | Chairperson | - | $1,896 | - | $1,896 |
Board Members and Trustees
| Name | Title |
|---|---|
| David Busch | Vice Chairperson |
| Andrew Roby | Director |
| Christian Quijano | Director |
| Jenelle Patterson | Director |
| Jerry Johnson | Director |
| Klye Johnson | Director |
| Lee Roy Porter Jr | Director |
| Marjorie Ramsey | Secretary |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Fiserv | Data Processer | 75 REMITTANCE DR SUITE 1649, Chicago, IL 60675-1649 | $754,476 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $3,989,854
- Investment Income
- $54,598
- Other Revenue
- $2,189,394
- Change in Net Assets
- $1,229,036
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $6,233,846
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Total Revenue per Audited Statements
- $6,233,846
- Total Revenue per Form 990
- $6,233,846
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $3,048,304 |
| Salaries, Compensation, and Employee Benefits | $1,956,506 |
| 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 | $1,257,385 | - | - | $1,257,385 |
| Office Expenses | $437,358 | - | - | $437,358 |
| Current Officers, Directors, Trustees, and Key Employees | $347,768 | - | - | $347,768 |
| All Other Expenses | $342,933 | - | - | $342,933 |
| Interest | $325,693 | - | - | $325,693 |
| Information Technology | $267,210 | - | - | $267,210 |
| Depreciation Depletion | $206,840 | - | - | $206,840 |
| Other Employee Benefits | $175,153 | - | - | $175,153 |
| Occupancy | $160,310 | - | - | $160,310 |
| Payroll Taxes | $132,002 | - | - | $132,002 |
| Other Expenses | $111,057 | - | - | $111,057 |
| Advertising | $103,355 | - | - | $103,355 |
| Insurance | $63,688 | - | - | $63,688 |
| Pension Plan Contributions | $44,198 | - | - | $44,198 |
| Fees for Services Legal | $43,426 | - | - | $43,426 |
| Fees for Services Accounting | $32,100 | - | - | $32,100 |
| Travel | $21,258 | - | - | $21,258 |
| Payments to Affiliates | $19,494 | - | - | $19,494 |
| Conferences and Meetings | $4,228 | - | - | $4,228 |
| Total Functional Expenses | $5,004,810 | $0 | $0 | $5,004,810 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $5,004,810 |
| Total Expenses per Audited Statements | $5,004,810 |
| Total Expenses per Form 990 | $5,004,810 |
| 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 | $83,832,025 |
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 11B
“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
- Andy Fogle
- Title
- CEO
- Phone
- 5152887225
- Signed
- 2017-10-30
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Andy Fogle
- Formed
- 1949
- Legal Domicile
- Ia
- Voting Board Members
- 9
- Independent Board Members
- 9
- Employees
- 32
- 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:
“Unrealized gain on post employment health care plan 28,139.”
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.”
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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/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 11,952 MEMBERS IN 2016. |
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| IRS990/GainOrLossGrp/OtherAmt | 0 | 933 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 933 |
| IRS990/GrossReceiptsAmt | 0 | 6233846 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 267210 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 267210 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 63688 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 63688 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 325693 |
| IRS990/InterestGrp/TotalAmt | 0 | 325693 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 53665 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 53665 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 500000 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 500000 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 2401000 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 2416900 |
| IRS990/IRPDocumentCnt | 0 | 3963 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1594835 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1989395 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1839643 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 3434478 |
| 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 | 521751 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 521751 |
| 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 | 8220927 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 9478102 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 933 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 933 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -67136 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 160310 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 160310 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 437358 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 437358 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1023112 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1794878 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 28139 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 175153 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 175153 |
| IRS990/OtherExpensesGrp/Desc | 0 | CREDIT/DEBIT CARD EXPEN |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | ONLINE SERVICES |
| IRS990/OtherExpensesGrp/Desc | 3 | LOAN EXPENSE |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 513219 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 253000 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 143135 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 111057 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 513219 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 253000 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 143135 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 111057 |
| IRS990/OtherInd | 0 | X |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 83003545 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 83832025 |
| 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 | 1003066 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 664577 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 1003066 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 664577 |
| IRS990/OtherRevenueTotalAmt | 0 | 2189394 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 1257385 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1257385 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 72136620 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 78574947 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt | 0 | 19494 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 19494 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 132002 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 132002 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 3803627 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 4234627 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 44198 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 44198 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 232714 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 191085 |
| IRS990/PrincipalOfficerNm | 0 | ANDY FOGLE |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3989854 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 3989854 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 14523 |
| IRS990/PYOtherExpensesAmt | 0 | 2663217 |
| IRS990/PYOtherRevenueAmt | 0 | 2061855 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 3286956 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 908504 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1791613 |
| IRS990/PYTotalExpensesAmt | 0 | 4454830 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 5363334 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1229036 |
| 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 | 0 |
| IRS990/RevenueAmt | 0 | 6180181 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 4417300 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 5243475 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 13771695 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 9632956 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1361601 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1094980 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2456581 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 182728 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 402282 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 585010 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 5004810 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 283648 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 283648 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 11666 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 97573 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 109239 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 83832025 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 6233846 |
| 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 | 1839643 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 5004810 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 83832025 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 6233846 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 6233846 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 5004810 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 144167 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 50000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 5825 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 10712 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | JASON CROOKS |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 210704 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 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 | UNREALIZED GAIN ON POST EMPLOYMENT HEALTH CARE PLAN 28,139. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | 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 11B |
| 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, PART XI, LINE 9: |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | 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 | 92762021 |
| IRS990/TotalAssetsEOYAmt | 0 | 95866702 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 92762021 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 95866702 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $95,866,702
- Liabilities
- $86,388,600
- Net assets
- $9,478,102
- Revenue
- $6,233,846
- Expenses
- $5,004,810
- Net income
- $1,229,036