Civic Intelligence

Affinity Credit Union

990 • Fiscal year 2017 • EIN 42-0794732

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 15, 2018

Organization ProfileWWW.AFFINITYCUIA.ORG

View Organization Page

475 NW Hoffman LaneDes Moines, IA 50313

(515) 288-7225

Siviq Scores

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

Liabilities / Assets

74th percentile

0.91x

Higher debt load relative to assets than 74% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

19th percentile

13.71x

Higher debt load relative to revenue than 19% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

34th percentile

7.8%

Higher net margin than 34% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

36th percentile

$181,310

Higher top officer pay than 36% of similar nonprofits.

Top officer pay equals 2.5% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

97th percentile

15%

Faster asset growth than 97% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Revenue Growth

93rd percentile

18%

Faster revenue growth than 93% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$110,637,287

Up $14,770,585 (+15%) from 2016

Net Assets

Up

$10,108,955

Up $630,853 (+6.7%) from 2016

Liabilities

Up

$100,528,332

Up $14,139,732 (+16%) from 2016

Revenue And Expenses
Liabilities / Revenue19th percentileNet Margin34th percentile

Revenue

Up

$7,334,172

Up $1,100,326 (+18%) from 2016

Expenses

Up

$6,761,589

Up $1,756,779 (+35%) from 2016

Net Income

Down

$572,583

Down $656,453 (-53%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth97th percentile

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

$150M$100M$50M$0Assets 2010: $67,995,612Liabilities 2010: $61,730,415Net Assets 2010: $6,265,1972010Assets 2012: $68,913,182Liabilities 2012: $62,540,424Net Assets 2012: $6,372,7582012Assets 2013: $72,613,616Liabilities 2013: $65,951,923Net Assets 2013: $6,661,6932013Assets 2014: $78,681,497Liabilities 2014: $71,330,428Net Assets 2014: $7,351,0692014Assets 2015: $92,185,296Liabilities 2015: $83,934,736Net Assets 2015: $8,250,5602015Assets 2016: $95,866,702Liabilities 2016: $86,388,600Net Assets 2016: $9,478,1022016Assets 2017: $110,637,287Liabilities 2017: $100,528,332Net Assets 2017: $10,108,9552017Assets 2018: $114,681,211Liabilities 2018: $104,284,060Net Assets 2018: $10,397,1512018Assets 2019: $122,310,053Liabilities 2019: $110,753,405Net Assets 2019: $11,556,6482019Assets 2020: $130,856,026Liabilities 2020: $118,449,138Net Assets 2020: $12,406,8882020Assets 2021: $138,929,538Liabilities 2021: $125,085,096Net Assets 2021: $13,844,4422021Assets 2022: $144,688,009Liabilities 2022: $131,304,185Net Assets 2022: $13,383,8242022Assets 2023: $142,200,244Liabilities 2023: $127,580,467Net Assets 2023: $14,619,7772023Assets 2024: $148,645,606Liabilities 2024: $132,344,703Net Assets 2024: $16,300,9032024

Highlighted filing

2017

Assets$110,637,287
Liabilities$100,528,332
Net Assets$10,108,955
Open 2017 Filing

Operations Trend

Revenue Growth93rd percentile

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

$15M$10M$5.0M$0Expenses 2010: $4,371,0742010Expenses 2012: $3,910,3212012Revenue 2013: $4,131,370Expenses 2013: $3,918,755Net Income 2013: $212,6152013Revenue 2014: $4,826,193Expenses 2014: $4,154,494Net Income 2014: $671,6992014Revenue 2015: $5,363,213Expenses 2015: $4,450,669Net Income 2015: $912,5442015Revenue 2016: $6,233,846Expenses 2016: $5,004,810Net Income 2016: $1,229,0362016Revenue 2017: $7,334,172Expenses 2017: $6,761,589Net Income 2017: $572,5832017Revenue 2018: $8,920,877Expenses 2018: $8,506,146Net Income 2018: $414,7312018Revenue 2019: $9,561,894Expenses 2019: $8,396,073Net Income 2019: $1,165,8212019Revenue 2020: $8,872,465Expenses 2020: $8,028,550Net Income 2020: $843,9152020Revenue 2021: $8,522,326Expenses 2021: $6,853,970Net Income 2021: $1,668,3562021Revenue 2022: $8,183,836Expenses 2022: $6,874,857Net Income 2022: $1,308,9792022Revenue 2023: $9,886,518Expenses 2023: $8,464,621Net Income 2023: $1,421,8972023Revenue 2024: $10,761,673Expenses 2024: $9,502,972Net Income 2024: $1,258,7012024

Highlighted filing

2017

Revenue$7,334,172
Expenses$6,761,589
Net Income$572,583
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 15, 2018
Return Version
2017v2.3
Gross Receipts
$7,334,172
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 members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$78,574,947$93,789,181▲ $15,214,234
Savings and Temporary Cash Investments$9,632,956$9,585,770▼ $47,186
Pd in Cap Srpls Land Bldg Eqp Fund$4,234,627$5,269,727▲ $1,035,100
Rtn Earn Endowment Incm Other Fnds$5,243,475$4,839,228▼ $404,247
Land, Buildings, and Equipment, Net$1,839,643$2,871,295▲ $1,031,652
Cash and Non-Interest-Bearing Accounts$916,293$1,099,228▲ $182,935
Investments Program Related$2,416,900$944,100▼ $1,472,800
Investments Other Securities$500,000$500,000→ $0
Prepaid Expenses and Deferred Charges$191,085$264,330▲ $73,245
Accounts Receivable-$53,204-
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$95,866,702$110,637,287▲ $14,770,585
Other Assets Total$1,794,878$1,530,179▼ $264,699
Liabilities
Other Liabilities$83,832,025$98,253,014▲ $14,420,989
Accounts Payable and Accrued Expenses$2,556,575$2,275,318▼ $281,257
Total Liabilities$86,388,600$100,528,332▲ $14,139,732
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,478,102$10,108,955▲ $630,853
Total Liabilities and Net Assets / Fund Balance$95,866,702$110,637,287▲ $14,770,585

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,921,208$1,250,085$3,171,293
Equipment$356,868$407,194$764,062
Other Land Buildings$309,571-$309,571
Land$283,648-$283,648
Compensation and Service Providers
Top Officer Pay36th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Justin WilliamsCFOFT$115,773$65,537$181,310
Andy FogleCEO-part YearFT$135,439$28,296$163,735
Josh MurphyVP of LoansFT$119,183$13,036$132,219
Jason CrooksCEO-part YearFT$15,050$452$15,502

Board Members and Trustees

NameTitle
Christian QuijanoChairperson
David BuschVice Chairperson
Andy RobyDirector
James MartensDirector
Jenelle PattersonDirector
Josh GiesmannDirector
Kyle JohnsonDirector
Marjorie RamseySecretary
Lee Roy PorterTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservData Processor75 REMITTANCE DR SUITE 1649, Chicago, IL 60675$910,548
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,261,662
Investment Income
$72,510
Other Revenue
$0
Change in Net Assets
$572,583

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,334,172
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$7,334,172
Total Revenue per Form 990
$7,334,172
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,929,701
Salaries, Compensation, and Employee Benefits$2,293,299
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,447,626
Benefits to Members---$538,589
Current Officers, Directors, Trustees, and Key Employees---$360,547
Office Expenses---$310,007
Other Employee Benefits---$262,113
Fees for Services Other---$252,692
Other Expenses---$189,556
All Other Expenses---$185,075
Occupancy---$184,077
Depreciation Depletion---$182,874
Payroll Taxes---$174,894
Advertising---$158,904
Information Technology---$115,975
Fees for Services Legal---$85,367
Insurance---$51,011
Pension Plan Contributions---$48,119
Fees for Services Accounting---$42,080
Travel---$34,972
Payments to Affiliates---$21,918
Interest---$21,661
Conferences and Meetings---$15,512
Total Functional Expenses$0$0$0$6,761,589

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$6,761,589
Total Expenses per Audited Statements$6,761,589
Total Expenses per Form 990$6,761,589
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 Shares$98,253,014
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
No
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 elections 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 $5 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 conversions (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 reviwed annually. The board of directors and management are responsible for monitoring. No director or credit union official having investment authority will conduct personal transactions with any of the individual brokers the credit union does business with. In addition, no director, credit union official or their immediate family will receive any financial consideration in connection with the making of any investment.”

Form 990, Part VI, Section B, Line 15

“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 statements are posted in the lobby of each 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
Jim Dean
Title
CEO
Phone
5152887225
Signed
2018-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jim Dean
Formed
1949
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
51
Volunteers
0

Preparer

Firm
Cliftonlarsonallen Llp
Address
PO BOX 586, OWATONNA, MN 55060-0586
Preparer
Marty Lienau
Phone
5074467100
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Unrealized gain on post employment health care plan 58,270.”

FORM 990, PART XII, LINE 2C:

“The audit committe, 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 reproted 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:

“The credit union is exempt by statue from federal and state income taxes. However, the credit union is subject to unrelated business income tax. The credit union evaluates uncertain tax benefits arising from tax positions taken or expected to be taken 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 recongnizes 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 463 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/Desc0AFFINITY 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 MEMBER OF ALL AGES. AFFINITY SERVED 12,675 MEMBERS IN 2017.
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IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt8SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO-PART YEAR
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CEO-PART YEAR
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF LOANS
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01949
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt07334172
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0115975
IRS990/InsuranceGrp/TotalAmt051011
IRS990/InterestGrp/TotalAmt021661
IRS990/InvestmentIncomeGrp/ExclusionAmt072510
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt072510
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0500000
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0500000
IRS990/InvestmentsProgramRelatedGrp/BOYAmt02416900
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0944100
IRS990/IRPDocumentCnt0201
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01657279
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01839643
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02871295
IRS990/LandBldgEquipCostOrOtherBssAmt04528574
IRS990/LegalDomicileStateCd0IA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0AFFINITY CREDIT UNION IS COMMITTED TO PROVIDING INNOVATIVE AND EXCELLENT SERVICE AND FINANCIAL PRODUCTS TO OUR MEMBERSHIP WHILE MAINTAINING FINANCIAL STABILITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt09478102
IRS990/NetAssetsOrFundBalancesEOYAmt010108955
IRS990/NetUnrelatedBusTxblIncmAmt0-45118
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0184077
IRS990/OfficeExpensesGrp/TotalAmt0310007
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01794878
IRS990/OtherAssetsTotalGrp/EOYAmt01530179
IRS990/OtherChangesInNetAssetsAmt058270
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0262113
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT/CREDIT CARD EXPEN
IRS990/OtherExpensesGrp/Desc2LOAN EXPENSES
IRS990/OtherExpensesGrp/Desc3ONLINE SERVICES
IRS990/OtherExpensesGrp/TotalAmt01251000
IRS990/OtherExpensesGrp/TotalAmt1611446
IRS990/OtherExpensesGrp/TotalAmt2215574
IRS990/OtherExpensesGrp/TotalAmt3189556
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt083832025
IRS990/OtherLiabilitiesGrp/EOYAmt098253014
IRS990/OtherSalariesAndWagesGrp/TotalAmt01447626
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt078574947
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt093789181
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt021918
IRS990/PayrollTaxesGrp/TotalAmt0174894
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt04234627
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt05269727
IRS990/PensionPlanContributionsGrp/TotalAmt048119
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0191085
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0264330
IRS990/PrincipalOfficerNm0JIM DEAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04745110
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12438102
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04745110
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12516552
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt078450
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt054598
IRS990/PYOtherExpensesAmt03048304
IRS990/PYOtherRevenueAmt02189394
IRS990/PYProgramServiceRevenueAmt03989854
IRS990/PYRevenuesLessExpensesAmt01229036
IRS990/PYSalariesCompEmpBnftPaidAmt01956506
IRS990/PYTotalExpensesAmt05004810
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt06233846
IRS990/ReconcilationRevenueExpnssAmt0572583
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05243475
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04839228
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09632956
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09585770
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01921208
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01250085
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03171293
IRS990ScheduleD/EquipmentGrp/BookValueAmt0356868
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0407194
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0764062
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt06761589
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0283648
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0283648
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0309571
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0309571
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt098253014
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt07334172
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT BY STATUE FROM FEDERAL AND STATE INCOME TAXES. HOWEVER, THE CREDIT UNION IS SUBJECT TO UNRELATED BUSINESS INCOME TAX. THE CREDIT UNION EVALUATES UNCERTAIN TAX BENEFITS ARISING FROM TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN 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 RECONGNIZES 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/TotalBookValueLandBuildingsAmt02871295
IRS990ScheduleD/TotalExpensesPerForm990Amt06761589
IRS990ScheduleD/TotalLiabilityAmt098253014
IRS990ScheduleD/TotalRevenuePerForm990Amt07334172
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt07334172
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt06761589
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0135439
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1115773
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount09646
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount145769
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/DeferredCompensationFlngOrgAmt03183
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt15025
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt012028
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt114566
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt03439
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt1177
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ANDY FOGLE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1JUSTIN WILLIAMS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO-PART YEAR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0163735
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1181310
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS A CREDIT UNION WITH MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ENTIRE BOARD OF DIRECTORS IS VOTED ON BY THE MEMBERSHIP OUT OF THE MEMBERSHIP. EVERY YEAR THERE ARE THREE POSITIONS UP FOR ELECTIONS 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 $5 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/ExplanationTxt2THE 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 CONVERSIONS (CHANGING STRUCTURE AWAY FROM A CREDIT UNION).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 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/ExplanationTxt4THE CONFLICT OF INTEREST POLICY IS REVIWED ANNUALLY. THE BOARD OF DIRECTORS AND MANAGEMENT ARE RESPONSIBLE FOR MONITORING. NO DIRECTOR OR CREDIT UNION OFFICIAL HAVING INVESTMENT AUTHORITY WILL CONDUCT PERSONAL TRANSACTIONS WITH ANY OF THE INDIVIDUAL BROKERS THE CREDIT UNION DOES BUSINESS WITH. IN ADDITION, NO DIRECTOR, CREDIT UNION OFFICIAL OR THEIR IMMEDIATE FAMILY WILL RECEIVE ANY FINANCIAL CONSIDERATION IN CONNECTION WITH THE MAKING OF ANY INVESTMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5IPERFORMEASE 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/ExplanationTxt6A COPY OF THE CURRENT 990 IS KEPT AT THE MAIN OFFICE AND IS AVAILABLE FOR REVIEW DURING NORMAL BUSINESS HOURS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF EACH OF THE BRANCHES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8UNREALIZED GAIN ON POST EMPLOYMENT HEALTH CARE PLAN 58,270.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9THE AUDIT COMMITTE, 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 REPROTED 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/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 A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt095866702
IRS990/TotalAssetsEOYAmt0110637287
IRS990/TotalAssetsGrp/BOYAmt095866702
IRS990/TotalAssetsGrp/EOYAmt0110637287
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt051
IRS990/TotalFunctionalExpensesGrp/TotalAmt06761589
IRS990/TotalGrossUBIAmt078450
IRS990/TotalLiabilitiesBOYAmt086388600

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$110,637,287
Liabilities
$100,528,332
Net assets
$10,108,955
Revenue
$7,334,172
Expenses
$6,761,589
Net income
$572,583
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$149$132$16.3$10.8$9.50$1.26
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$142$128$14.6$9.89$8.46$1.42
2022Detailed filing. Detailed filing data is available for this year.$145$131$13.4$8.18$6.87$1.31
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$139$125$13.8$8.52$6.85$1.67
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$131$118$12.4$8.87$8.03$0.84
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$122$111$11.6$9.56$8.40$1.17
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$115$104$10.4$8.92$8.51$0.41
2017Detailed filing. Detailed filing data is available for this year.$111$101$10.1$7.33$6.76$0.57
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$95.9$86.4$9.48$6.23$5.00$1.23
2015Detailed filing. Detailed filing data is available for this year.$92.2$83.9$8.25$5.36$4.45$0.91
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$78.7$71.3$7.35$4.83$4.15$0.67
2013Detailed filing. Detailed filing data is available for this year.$72.6$66.0$6.66$4.13$3.92$0.21
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.9$62.5$6.37$3.91
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.0$61.7$6.27$4.37
Peer Organizations

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