Civic Intelligence

Affinity Credit Union

990 • Fiscal year 2018 • EIN 42-0794732

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 13, 2019

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

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Liabilities / Revenue

10th percentile

11.69x

Higher debt load relative to revenue than 10% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Net Margin

13th percentile

4.6%

Higher net margin than 13% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Top Officer Pay

7th percentile

$124,699

Higher top officer pay than 7% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Asset Growth

56th percentile

3.7%

Faster asset growth than 56% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2018

Revenue Growth

95th percentile

22%

Faster revenue growth than 95% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$114,681,211

Up $4,043,924 (+3.7%) from 2017

Net Assets

Up

$10,397,151

Up $288,196 (+2.9%) from 2017

Liabilities

Up

$104,284,060

Up $3,755,728 (+3.7%) from 2017

Revenue And Expenses
Liabilities / Revenue10th percentileNet Margin13th percentile

Revenue

Up

$8,920,877

Up $1,586,705 (+22%) from 2017

Expenses

Up

$8,506,146

Up $1,744,557 (+26%) from 2017

Net Income

Down

$414,731

Down $157,852 (-28%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth56th 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

2018

Assets$114,681,211
Liabilities$104,284,060
Net Assets$10,397,151
Open 2018 Filing

Operations Trend

Revenue Growth95th 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

2018

Revenue$8,920,877
Expenses$8,506,146
Net Income$414,731
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 13, 2019
Return Version
2018v3.1
Gross Receipts
$8,920,877
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's mission is building better lives.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$93,789,181$96,742,771▲ $2,953,590
Savings and Temporary Cash Investments$9,585,770$10,665,702▲ $1,079,932
Pd in Cap Srpls Land Bldg Eqp Fund$5,269,727$5,269,727→ $0
Rtn Earn Endowment Incm Other Fnds$4,839,228$5,127,424▲ $288,196
Land, Buildings, and Equipment, Net$2,871,295$3,079,998▲ $208,703
Cash and Non-Interest-Bearing Accounts$1,099,228$1,422,472▲ $323,244
Investments Program Related$944,100$1,021,555▲ $77,455
Investments Other Securities$500,000--
Prepaid Expenses and Deferred Charges$264,330$384,476▲ $120,146
Accounts Receivable$53,204$61,089▲ $7,885
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$110,637,287$114,681,211▲ $4,043,924
Other Assets Total$1,530,179$1,303,148▼ $227,031
Liabilities
Other Liabilities$98,253,014$102,356,712▲ $4,103,698
Accounts Payable and Accrued Expenses$2,275,318$1,927,348▼ $347,970
Total Liabilities$100,528,332$104,284,060▲ $3,755,728
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,108,955$10,397,151▲ $288,196
Total Liabilities and Net Assets / Fund Balance$110,637,287$114,681,211▲ $4,043,924

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,366,107$1,247,732$3,613,839
Equipment$430,243$321,335$751,578
Land$283,648-$283,648
Compensation and Service Providers
Top Officer Pay7th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Josh MurphyVP Lending & DevelopmentFT$104,272$20,427$124,699
Kris LauferVP MarketingFT$97,686$5,182$102,868
Lindsay TaylorOperations ManagerFT$73,670$10,752$84,422
James DeanCEOFT$57,688$7,430$65,118
Andy FogleCEO-part YearFT$51,760$9,408$61,168
Justin WilliamsCFO-part YearFT$46,888$9,598$56,486
Heidi ShawCFOFT$29,720$6,262$35,982
James MartensVice Chairperson-$2,716-$2,716

Board Members and Trustees

NameTitle
Christian QuijanoChairperson
David BuschChairperson
Andy RobyDirector
Cara HarrisDirector
Jenelle PattersonDirector
Kyle JohnsonDirector
Lee Roy PorterDirector
Marjorie RamseySecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Onsite SolutionsConstruction Contractor9500 UNIVERSITY AVENUE STE 2112, West Des Moines, IA 50266$295,736
Route 66Member Extended WarrantyPO BOX 1075, Mountain Home, AR 72654$255,591
CuanswersCore Software6000 28TH STREET SE STE 100, Grand Rapids, MI 49546$192,379
FiservCore Software255 FISERVE DRIVE, Brookfield, WI 53045$174,509
Aureon TechnologyIt7760 OFFICE PLAZA DRIVE SOUTH, West Des Moines, IA 50266$130,177
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,794,357
Investment Income
$126,520
Other Revenue
$0
Change in Net Assets
$414,731
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,173,158
Salaries, Compensation, and Employee Benefits$2,656,244
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,475,417
Benefits to Members---$676,744
Current Officers, Directors, Trustees, and Key Employees---$533,459
Other Employee Benefits---$415,831
Fees for Services Other---$382,258
Office Expenses---$320,224
Depreciation Depletion---$284,260
Occupancy---$257,556
Other Expenses---$226,493
Information Technology---$194,132
Payroll Taxes---$185,593
Advertising---$129,877
Fees for Services Legal---$121,642
Insurance---$106,501
Fees for Services Accounting---$82,901
All Other Expenses---$66,396
Pension Plan Contributions---$45,944
Travel---$28,728
Payments to Affiliates---$18,917
Conferences and Meetings---$17,401
Interest---$395
Total Functional Expenses$0$0$0$8,506,146
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$102,356,712
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
Yes
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 $5 membership amount on deposit, and has 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 reviewed 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

“With the assistance of compease, a third party vendor, the ceo creates the merit increase matrix. Supervisors complete annual performance evaluations for each of their employees and the evaluations are reviewed by the ceo. Once the evaluations are completed a score is compiled. The score is plugged into the compease software to determine the pay increase, in addition to a comparison of the employees comp ratio. The ceo then prepares a summary for the cfo to enter the increases into the hr portal. The increases are then approved by oasis. The summary is kept electronically in the payroll file.”

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
2019-11-13
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
43
Volunteers
11

Preparer

Firm
Cliftonlarsonallen Llp
Address
109 N MAIN STREET SUITE 200, AUSTIN, MN 55912
Preparer
Tanya Medgaarden
Phone
5074347000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Elimination of post employment health care plan -126,536.”

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 471 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/Form990PartVIISectionAGrp/PersonNm8LEE ROY PORTER
IRS990/Form990PartVIISectionAGrp/PersonNm9JAMES DEAN
IRS990/Form990PartVIISectionAGrp/PersonNm10ANDY FOGLE
IRS990/Form990PartVIISectionAGrp/PersonNm11HEIDI SHAW
IRS990/Form990PartVIISectionAGrp/PersonNm12JUSTIN WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm13LINDSAY TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm14KRIS LAUFER
IRS990/Form990PartVIISectionAGrp/PersonNm15JOSH MURPHY
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1497686
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15104272
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO-PART YEAR
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CFO-PART YEAR
IRS990/Form990PartVIISectionAGrp/TitleTxt13OPERATIONS MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP LENDING & DEVELOPMENT
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
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IRS990/FSAuditedInd01
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0194132
IRS990/InsuranceGrp/TotalAmt0106501
IRS990/InterestGrp/TotalAmt0395
IRS990/InvestmentIncomeGrp/ExclusionAmt0119881
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0119881
IRS990/InvestmentInJointVentureInd00
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IRS990/InvestmentsProgramRelatedGrp/BOYAmt0944100
IRS990/InvestmentsProgramRelatedGrp/EOYAmt01021555
IRS990/IRPDocumentCnt04811
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01569067
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02871295
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03079998
IRS990/LandBldgEquipCostOrOtherBssAmt04649065
IRS990/LegalDomicileStateCd0IA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0BUILDING BETTER LIVES BY WORKING IN YOUR BEST INTEREST, SIMPLIFY YOUR LIFE, PROVIDE SOLUTIONS TO HELP YOU ACHIEVE FINANCIAL SUCCESS AND ENRICH OUR COMMUNITIES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt010108955
IRS990/NetAssetsOrFundBalancesEOYAmt010397151
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt06639
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt06639
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0257556
IRS990/OfficeExpensesGrp/TotalAmt0320224
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01530179
IRS990/OtherAssetsTotalGrp/EOYAmt01303148
IRS990/OtherChangesInNetAssetsAmt0-126536
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0415831
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT/CREDIT CARD EXPEN
IRS990/OtherExpensesGrp/Desc2OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc3LOAN EXPENSES
IRS990/OtherExpensesGrp/TotalAmt02017975
IRS990/OtherExpensesGrp/TotalAmt1683405
IRS990/OtherExpensesGrp/TotalAmt2234097
IRS990/OtherExpensesGrp/TotalAmt3226493
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt098253014
IRS990/OtherLiabilitiesGrp/EOYAmt0102356712
IRS990/OtherSalariesAndWagesGrp/TotalAmt01475417
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt093789181
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt096742771
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt018917
IRS990/PayrollTaxesGrp/TotalAmt0185593
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt05269727
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt05269727
IRS990/PensionPlanContributionsGrp/TotalAmt045944
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0264330
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0384476
IRS990/PrincipalOfficerNm0JIM DEAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05751848
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12958995
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05751848
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13042509
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt083514
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0538589
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt072510
IRS990/PYOtherExpensesAmt03929701
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt07261662
IRS990/PYRevenuesLessExpensesAmt0572583
IRS990/PYSalariesCompEmpBnftPaidAmt02293299
IRS990/PYTotalExpensesAmt06761589
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07334172
IRS990/ReconcilationRevenueExpnssAmt0414731
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04839228
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05127424
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09585770
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010665702
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02366107
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01247732
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03613839
IRS990ScheduleD/EquipmentGrp/BookValueAmt0430243
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0321335
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0751578
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0283648
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0283648
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0102356712
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
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/TotalBookValueLandBuildingsAmt03079998
IRS990ScheduleD/TotalLiabilityAmt0102356712
IRS990/ScheduleJRequiredInd00
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 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 $5 MEMBERSHIP AMOUNT ON DEPOSIT, AND HAS 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 REVIEWED 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/ExplanationTxt5WITH THE ASSISTANCE OF COMPEASE, A THIRD PARTY VENDOR, THE CEO CREATES THE MERIT INCREASE MATRIX. SUPERVISORS COMPLETE ANNUAL PERFORMANCE EVALUATIONS FOR EACH OF THEIR EMPLOYEES AND THE EVALUATIONS ARE REVIEWED BY THE CEO. ONCE THE EVALUATIONS ARE COMPLETED A SCORE IS COMPILED. THE SCORE IS PLUGGED INTO THE COMPEASE SOFTWARE TO DETERMINE THE PAY INCREASE, IN ADDITION TO A COMPARISON OF THE EMPLOYEES COMP RATIO. THE CEO THEN PREPARES A SUMMARY FOR THE CFO TO ENTER THE INCREASES INTO THE HR PORTAL. THE INCREASES ARE THEN APPROVED BY OASIS. THE SUMMARY IS KEPT ELECTRONICALLY IN THE PAYROLL FILE.
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/ExplanationTxt8ELIMINATION OF POST EMPLOYMENT HEALTH CARE PLAN -126,536.
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:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0110637287

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$114,681,211
Liabilities
$104,284,060
Net assets
$10,397,151
Revenue
$8,920,877
Expenses
$8,506,146
Net income
$414,731
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
2018Detailed filing. Detailed filing data is available for this year.$115$104$10.4$8.92$8.51$0.41
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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