Civic Intelligence

Affinity Credit Union

990 • Fiscal year 2019 • EIN 42-0794732

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 16, 2020

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

77th percentile

0.91x

Higher debt load relative to assets than 77% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Liabilities / Revenue

11th percentile

11.58x

Higher debt load relative to revenue than 11% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Net Margin

46th percentile

12%

Higher net margin than 46% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Top Officer Pay

42nd percentile

$200,653

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Asset Growth

73rd percentile

6.7%

Faster asset growth than 73% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Revenue Growth

42nd percentile

7.2%

Faster revenue growth than 42% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets77th percentile

Assets

Up

$122,310,053

Up $7,628,842 (+6.7%) from 2018

Net Assets

Up

$11,556,648

Up $1,159,497 (+11%) from 2018

Liabilities

Up

$110,753,405

Up $6,469,345 (+6.2%) from 2018

Revenue And Expenses
Liabilities / Revenue11th percentileNet Margin46th percentile

Revenue

Up

$9,561,894

Up $641,017 (+7.2%) from 2018

Expenses

Down

$8,396,073

Down $110,073 (-1.3%) from 2018

Net Income

Up

$1,165,821

Up $751,090 (+181%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth73rd 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

2019

Assets$122,310,053
Liabilities$110,753,405
Net Assets$11,556,648
Open 2019 Filing

Operations Trend

Revenue Growth42nd 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

2019

Revenue$9,561,894
Expenses$8,396,073
Net Income$1,165,821
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 16, 2020
Return Version
2019v5.1
Gross Receipts
$9,586,158
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$96,742,771$94,851,140▼ $1,891,631
Savings and Temporary Cash Investments$10,665,702$17,501,234▲ $6,835,532
Rtn Earn Endowment Incm Other Fnds$5,127,424$6,286,921▲ $1,159,497
Pd in Cap Srpls Land Bldg Eqp Fund$5,269,727$5,269,727→ $0
Land, Buildings, and Equipment, Net$3,079,998$3,038,074▼ $41,924
Investments Other Securities-$1,996,021-
Investments Program Related$1,021,555$1,025,655▲ $4,100
Investments in Publicly Traded Securities-$993,677-
Cash and Non-Interest-Bearing Accounts$1,422,472$971,766▼ $450,706
Prepaid Expenses and Deferred Charges$384,476$222,012▼ $162,464
Accounts Receivable$61,089$11,375▼ $49,714
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$114,681,211$122,310,053▲ $7,628,842
Other Assets Total$1,303,148$1,699,099▲ $395,951
Liabilities
Other Liabilities$102,356,712$108,122,381▲ $5,765,669
Accounts Payable and Accrued Expenses$1,927,348$2,631,024▲ $703,676
Total Liabilities$104,284,060$110,753,405▲ $6,469,345
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,397,151$11,556,648▲ $1,159,497
Total Liabilities and Net Assets / Fund Balance$114,681,211$122,310,053▲ $7,628,842

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,263,152$1,335,983$3,599,135
Equipment$438,806$502,623$941,429
Land$283,648-$283,648
Other Land Buildings$52,468-$52,468
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James DeanCEOFT$163,985$36,668$200,653
Heidi ShawCFOFT$116,691$35,728$152,419
Josh MurphyCOOFT$115,749$21,651$137,400
Kris LauferCMOFT$102,773$9,485$112,258
Lindsay TaylorOperation ManagerFT$82,434$11,244$93,678
James MartensDirector-$1,343-$1,343

Board Members and Trustees

NameTitle
David BuschChairperson
Cara HarrisVice Chairperson
Andy RobyDirector
Cindi SummersDirector
Jenelle PattersonDirector
Jessica ScottDirector
Marjorie RamseySecretary
Lee Roy PorterTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CuanswersCore Software6000 28TH STREET SE STE 100, Grand Rapids, MI 49546$440,965
Aureon TechnologyIt7760 OFFICE PLAZA DRIVE SOUTH, West Des Moines, IA 50266$190,486
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,086,512
Investment Income
$475,382
Other Revenue
$0
Change in Net Assets
$1,165,821

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,561,894
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$9,561,894
Total Revenue per Form 990
$9,561,894
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,752,002
Salaries, Compensation, and Employee Benefits$2,608,714
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,351,301
Benefits to Members---$1,035,357
Current Officers, Directors, Trustees, and Key Employees---$697,751
Other Employee Benefits---$316,917
Depreciation Depletion---$309,818
Fees for Services Other---$267,471
Advertising---$241,479
Occupancy---$212,228
Office Expenses---$207,309
Payroll Taxes---$194,155
Other Expenses---$188,089
Information Technology---$163,873
Fees for Services Legal---$86,047
Conferences and Meetings---$74,867
Insurance---$49,129
Pension Plan Contributions---$48,590
Fees for Services Accounting---$39,459
All Other Expenses---$37,451
Travel---$32,799
Payments to Affiliates---$15,702
Total Functional Expenses$0$0$0$8,396,073

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,396,073
Total Expenses per Audited Statements$8,396,073
Total Expenses per Form 990$8,396,073
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$108,122,381
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 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
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 members of the credit union. 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, age 16 or older, 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 (charge off). 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. Family members of employees are tracked internally and are flagged in our core system. We receive reports from auditlink if a transaction/account maintenance is done by an employee on a family members account. If there is a conflict of interest then the employee would receive disciplinary action up to and including termination.”

Form 990, Part VI, Section B, Line 15

“The ceo's compensation is determined by the board of directors, who obtains input from a 3rd party company to help determine a compensation package. Compensation surveys are used by the board and 3rd party to help determine an appropriate compensation. The decision is documented in the board minutes. 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 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
James Dean
Title
CEO
Phone
5152887225
Signed
2020-11-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Dean
Formed
1949
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
51
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:

“ROUNDING -1.”

Form 990 Part XII Line 2C

“The process has not changed.”

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 484 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/TitleTxt1CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2COO
IRS990/Form990PartVIISectionAGrp/TitleTxt3CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt4OPERATION MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt7VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt8TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt9SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
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IRS990/FundraisingActivitiesInd00
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IRS990/GamingActivitiesInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
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IRS990/MembersOrStockholdersInd01
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IRS990/MinutesOfCommitteesInd01
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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
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IRS990/NetAssetsOrFundBalancesEOYAmt011556648
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IRS990/NondeductibleContributionsInd00
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IRS990/OfficeExpensesGrp/TotalAmt0207309
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01303148
IRS990/OtherAssetsTotalGrp/EOYAmt01699099
IRS990/OtherChangesInNetAssetsAmt0-1
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0316917
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT/CREDIT CARD EXPEN
IRS990/OtherExpensesGrp/Desc2OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc3LOAN EXPENSES
IRS990/OtherExpensesGrp/TotalAmt01356354
IRS990/OtherExpensesGrp/TotalAmt1844051
IRS990/OtherExpensesGrp/TotalAmt2625876
IRS990/OtherExpensesGrp/TotalAmt3188089
IRS990/OtherLiabilitiesGrp/BOYAmt0102356712
IRS990/OtherLiabilitiesGrp/EOYAmt0108122381
IRS990/OtherSalariesAndWagesGrp/TotalAmt01351301
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt096742771
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt094851140
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt015702
IRS990/PayrollTaxesGrp/TotalAmt0194155
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt05269727
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt05269727
IRS990/PensionPlanContributionsGrp/TotalAmt048590
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0384476
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0222012
IRS990/PrincipalOfficerNm0JAMES DEAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05618310
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13407186
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05618310
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13468202
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt061016
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0676744
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0126520
IRS990/PYOtherExpensesAmt05173158
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt08794357
IRS990/PYRevenuesLessExpensesAmt0414731
IRS990/PYSalariesCompEmpBnftPaidAmt02656244
IRS990/PYTotalExpensesAmt08506146
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08920877
IRS990/ReconcilationRevenueExpnssAmt01165821
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05127424
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06286921
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010665702
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017501234
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02263152
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01335983
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03599135
IRS990ScheduleD/EquipmentGrp/BookValueAmt0438806
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0502623
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0941429
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt08396073
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0283648
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0283648
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt052468
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt052468
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0108122381
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt09561894
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/TotalBookValueLandBuildingsAmt03038074
IRS990ScheduleD/TotalExpensesPerForm990Amt08396073
IRS990ScheduleD/TotalLiabilityAmt0108122381
IRS990ScheduleD/TotalRevenuePerForm990Amt09561894
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09561894
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08396073
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0163985
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1116691
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount011500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount16500
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/DeferredCompensationFlngOrgAmt05428
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt13870
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt018552
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt122870
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt01188
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt12488
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JAMES DEAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1HEIDI SHAW
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0200653
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1152419
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 MEMBERS OF THE CREDIT UNION. 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, AGE 16 OR OLDER, 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 (CHARGE OFF). 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. FAMILY MEMBERS OF EMPLOYEES ARE TRACKED INTERNALLY AND ARE FLAGGED IN OUR CORE SYSTEM. WE RECEIVE REPORTS FROM AUDITLINK IF A TRANSACTION/ACCOUNT MAINTENANCE IS DONE BY AN EMPLOYEE ON A FAMILY MEMBERS ACCOUNT. IF THERE IS A CONFLICT OF INTEREST THEN THE EMPLOYEE WOULD RECEIVE DISCIPLINARY ACTION UP TO AND INCLUDING TERMINATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CEO'S COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS, WHO OBTAINS INPUT FROM A 3RD PARTY COMPANY TO HELP DETERMINE A COMPENSATION PACKAGE. COMPENSATION SURVEYS ARE USED BY THE BOARD AND 3RD PARTY TO HELP DETERMINE AN APPROPRIATE COMPENSATION. THE DECISION IS DOCUMENTED IN THE BOARD MINUTES. 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF EACH OF THE BRANCHES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ROUNDING -1.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE PROCESS HAS NOT CHANGED.
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 19

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$122,310,053
Liabilities
$110,753,405
Net assets
$11,556,648
Revenue
$9,561,894
Expenses
$8,396,073
Net income
$1,165,821
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
2019Detailed filing. Detailed filing data is available for this year.$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
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