Civic Intelligence

Polk County Schools Employees

EIN 42-0867824 • 501(c)14 • Urbandale, IA

View Organization Page

Profile

Provide lending services, savings, and other financial services to it's qualifying members at terms generally better than available in the marketplace and with a service-based emphasis that recognizes the members' status as "owners."

3810 66th StUrbandale, IA 50322

www.polkcountyschoolscu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2016

Liabilities / Revenue

96th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2016

Net Margin

75th percentile

-8.7%

Higher net margin than 75% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2016

Top Officer Pay

71st percentile

$45,799

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 20.1% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2016

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2015 to 2016

Revenue Growth

59th percentile

-38%

Faster revenue growth than 59% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $10,824,108 (-100%) from 2015

Liabilities

Down

$0

Down $15,148 (-100%) from 2015

Net Assets

Down

$0

Down $10,808,960 (-100%) from 2015

Operations
Liabilities / Revenue96th percentileNet Margin75th percentile

Revenue

Down

$227,297

Down $137,412 (-38%) from 2015

Expenses

Down

$247,170

Down $85,133 (-26%) from 2015

Net Income

Down

-$19,873

Down $52,279 (-161%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2010: $9,126,891Liabilities 2010: $13,547Net Assets 2010: $9,113,3442010Assets 2012: $10,687,714Liabilities 2012: $17,875Net Assets 2012: $10,669,8392012Assets 2013: $10,965,972Liabilities 2013: $15,915Net Assets 2013: $10,950,0572013Assets 2014: $10,401,319Liabilities 2014: $15,549Net Assets 2014: $10,385,7702014Assets 2015: $10,824,108Liabilities 2015: $15,148Net Assets 2015: $10,808,9602015Assets 2016: $0Liabilities 2016: $0Net Assets 2016: $02016

Highlighted filing

2016

Assets$0
Liabilities$0
Net Assets$0
Open 2016 Filing

Operations Trend

Revenue Growth59th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600K$400K$200K$0-$200KExpenses 2010: $391,9272010Expenses 2012: $347,4562012Revenue 2013: $350,162Expenses 2013: $340,105Net Income 2013: $10,0572013Revenue 2014: $326,463Expenses 2014: $427,446Net Income 2014: -$100,9832014Revenue 2015: $364,709Expenses 2015: $332,303Net Income 2015: $32,4062015Revenue 2016: $227,297Expenses 2016: $247,170Net Income 2016: -$19,8732016

Highlighted filing

2016

Revenue$227,297
Expenses$247,170
Net Income-$19,873
Open 2016 Filing

Filings

Most recent year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$227,297
Expenses
$247,170
Net income
-$19,873
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.23$0.25$0.02
2015Detailed filing. Detailed filing data is available for this year.$10.8$0.02$10.8$0.36$0.33$0.03
2014Detailed filing. Detailed filing data is available for this year.$10.4$0.02$10.4$0.33$0.43$0.10
2013Detailed filing. Detailed filing data is available for this year.$11.0$0.02$11.0$0.35$0.34$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.7$0.02$10.7$0.35
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.13$0.01$9.11$0.39
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Sep 30, 2016
Signed
Feb 25, 2017
Return Version
2016v3.0
Gross Receipts
$227,297
Mission and Program Overview

Mission

Provide lending services, savings, and other financial services to it's qualifying members at terms generally better than available in the marketplace and with a service-based emphasis that recognizes the members' status as "owners."

The credit union provides financial services to qualified members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$10,739,956$0▼ $10,739,956
Savings and Temporary Cash Investments$6,543,728$0▼ $6,543,728
Other Notes and Loans Receivable, Net$4,039,699$0▼ $4,039,699
Cash and Non-Interest-Bearing Accounts$152,943$0▼ $152,943
Pd in Cap Srpls Land Bldg Eqp Fund$36,598$0▼ $36,598
Land, Buildings, and Equipment, Net$32,728$0▼ $32,728
Rtn Earn Endowment Incm Other Fnds$32,406$0▼ $32,406
Prepaid Expenses and Deferred Charges$22,282$0▼ $22,282
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Loans From Officers Directors-$0-
Total Assets$10,824,108$0▼ $10,824,108
Other Assets Total$32,728$0▼ $32,728
Liabilities
Accounts Payable and Accrued Expenses$15,148$0▼ $15,148
Grants Payable-$0-
Mortgage Notes Payable Secured by Investment Property-$0-
Unsecured Notes Loans Payable-$0-
Other Liabilities-$0-
Deferred Revenue-$0-
Escrow Account Liability-$0-
Tax Exempt Bond Liabilities-$0-
Total Liabilities$15,148$0▼ $15,148
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,808,960$0▼ $10,808,960
Total Liabilities and Net Assets / Fund Balance$10,824,108$0▼ $10,824,108
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Linda PiochManagerFT$45,799$45,799

Board Members and Trustees

NameTitle
Aaron BretthauerChairperson
Gene HaighChairperson
Jason HaighVice-chair
Damon StakerAudit Committee
Jeffrey MorrisAudit Committee
Karen BanseAudit Committee
Tony GarmoeAudit Committee
Brian GongolCredit Committee
Cathy ConklinCredit Committee
Susan GivantCredit Committee
Beverly LyonsSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$141,658
Investment Income
$21,401
Other Revenue
$64,238
Change in Net Assets
$-19,873
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$136,387
Salaries, Compensation, and Employee Benefits$110,783
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$53,335--$53,335
Current Officers, Directors, Trustees, and Key Employees$45,799--$45,799
Information Technology$26,037--$26,037
Office Expenses$23,768--$23,768
Fees for Services Other$20,815--$20,815
Insurance$13,725--$13,725
Other Employee Benefits$11,649--$11,649
Depreciation Depletion$8,333--$8,333
Interest$6,885--$6,885
Payments to Affiliates$4,969--$4,969
Occupancy$4,360--$4,360
All Other Expenses$3,160--$3,160
Other Expenses$2,996--$2,996
Conferences and Meetings$813--$813
Advertising$621--$621
Total Functional Expenses$247,170$0$0$247,170
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees-$0-
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“The organization has not provided a complete copy of form 990 to all members before filing this form. However, the acting manager and ceo, andy fogle, has reviewed all of the documents pertaining to the return.”

Form 990, Part VI, Section B, Line 12C

“If it is determined that a conflict of interest was intentionally hidden by a board member, then the situation would be investigated by the audit committee and the board member could be suspended and subject to dismissal at a special meeting.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy and financial statements available to the public upon request. Financial statements are also posted in the main branch of the credit union.”

Filing and Contact Details

Filer

Filer Name
Polk County Schools Employees
EIN
42-0867824
Phone
5152766083
Address
3810 66TH ST, URBANDALE, IA 50322

Signing Officer

Name
Andy Fogle
Title
Acting Manager
Phone
5152432677
Signed
2017-02-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Andy Fogle
Formed
1960
Legal Domicile
Ia
Voting Board Members
11
Independent Board Members
11
Employees
4
Volunteers
0

Preparer

Firm
Gardiner Thomsen
Address
10555 NEW YORK AVENUE SUITE 200, DES MOINES, IA 50322
Preparer
C L Telk Jr CPA
Phone
5152701446
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in equity due to merger -10,862,073. Change in member shares 72,986.”

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/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2EXAMINATION FEE
IRS990/OtherExpensesGrp/ProgramServicesAmt016905
IRS990/OtherExpensesGrp/ProgramServicesAmt13000
IRS990/OtherExpensesGrp/ProgramServicesAmt22996
IRS990/OtherExpensesGrp/TotalAmt016905
IRS990/OtherExpensesGrp/TotalAmt13000
IRS990/OtherExpensesGrp/TotalAmt22996
IRS990/OtherLiabilitiesGrp/EOYAmt00
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0CC/DEBIT CARD INTERCHA
IRS990/OtherRevenueMiscGrp/Desc1FEES AND CHARGES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt036394
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt127449
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt036394
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt127449
IRS990/OtherRevenueTotalAmt064238
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt053335
IRS990/OtherSalariesAndWagesGrp/TotalAmt053335
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt04039699
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt04969
IRS990/PaymentsToAffiliatesGrp/TotalAmt04969
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt036598
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt022282
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0ANDY FOGLE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INCOME FROM LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0141658
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0141658
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0364709
IRS990/PYOtherExpensesAmt0161307
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt00
IRS990/PYRevenuesLessExpensesAmt032406
IRS990/PYSalariesCompEmpBnftPaidAmt0170996
IRS990/PYTotalExpensesAmt0332303
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0364709
IRS990/QuidProQuoContributionsInd00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-19873
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0205896
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt032406
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06543728
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleN/AssetsDistributedInd01
IRS990ScheduleN/AttorneyGeneralNotifiedInd01
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessor2Ind00
IRS990ScheduleN/DirectorOfSuccessorInd00
IRS990ScheduleN/EmployeeOfSuccessor2Ind01
IRS990ScheduleN/EmployeeOfSuccessorInd01
IRS990ScheduleN/LiabilitiesPaidInd01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0LOANS OUTSTANDING - REC
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc1CASH AND INVESTMENTS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc2OTHER ASSETS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc3LIABILITIES
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0DES MOINES POLICE OFFICERS CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt1DES MOINES POLICE OFFICERS CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt2DES MOINES POLICE OFFICERS CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt3DES MOINES POLICE OFFICERS CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02016-10-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt12016-10-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt22016-10-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt32016-10-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0420773825
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN1420773825
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN2420773825
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN3420773825
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt03870199
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt16867063
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt2124811
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt312794
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)14
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt1501(C)14
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt2501(C)14
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt3501(C)14
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0BOOK
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt1BOOK
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt2BOOK
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt3BOOK
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt0423 E COURT AVE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt1423 E COURT AVE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt2423 E COURT AVE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt3423 E COURT AVE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0DES MOINES
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm1DES MOINES
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm2DES MOINES
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm3DES MOINES
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0IA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd1IA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd2IA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd3IA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd050309
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd150309
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd250309
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd350309
IRS990ScheduleN/OwnerOfSuccessor2Ind00
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensation2Ind00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd01
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0PERSON(S) INVOLVED: LINDA PIOCH
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt1EXPLANATION OF INVOLVEMENT: REMAINED ON STAFF AS THE BRANCH MANAGER OF THE MERGED URBANDALE LOCATION.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0PART II, LINE 2E:
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc1PART II, LINE 2E:
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS NOT PROVIDED A COMPLETE COPY OF FORM 990 TO ALL MEMBERS BEFORE FILING THIS FORM. HOWEVER, THE ACTING MANAGER AND CEO, ANDY FOGLE, HAS REVIEWED ALL OF THE DOCUMENTS PERTAINING TO THE RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1IF IT IS DETERMINED THAT A CONFLICT OF INTEREST WAS INTENTIONALLY HIDDEN BY A BOARD MEMBER, THEN THE SITUATION WOULD BE INVESTIGATED BY THE AUDIT COMMITTEE AND THE BOARD MEMBER COULD BE SUSPENDED AND SUBJECT TO DISMISSAL AT A SPECIAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. FINANCIAL STATEMENTS ARE ALSO POSTED IN THE MAIN BRANCH OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CHANGE IN EQUITY DUE TO MERGER -10,862,073. CHANGE IN MEMBER SHARES 72,986.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt010824108
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt010824108
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0247170
IRS990/TotalFunctionalExpensesGrp/TotalAmt0247170
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt015148
IRS990/TotalLiabilitiesEOYAmt00

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