Civic Intelligence

The Village Credit Union

EIN 42-0935296 • 501(c)14 • Des Moines, IA

View Organization Page

Profile

The village credit union operates for the primary purpose of promoting thrift, providing credit at reasonable rates, and providing other financial services to its members.

601 East Court AvenueDes Moines, IA 50309

www.villagecu.org

Siviq Scores

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

Liabilities / Assets

70th percentile

0.89x

Higher debt load relative to assets than 70% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

35th percentile

13.55x

Higher debt load relative to revenue than 35% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2018

Net Margin

19th percentile

-8.6%

Higher net margin than 19% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

78th percentile

$107,674

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 11.0% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2018

Asset Growth

99th percentile

18%

Faster asset growth than 99% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Revenue Growth

60th percentile

9.2%

Faster revenue growth than 60% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets70th percentile

Assets

Up

$14,952,579

Up $2,253,908 (+18%) from 2017

Liabilities

Up

$13,309,029

Up $2,338,035 (+21%) from 2017

Net Assets

Down

$1,643,550

Down $84,127 (-4.9%) from 2017

Operations
Liabilities / Revenue35th percentileNet Margin19th percentile

Revenue

Up

$982,442

Up $82,542 (+9.2%) from 2017

Expenses

Up

$1,066,571

Up $258,713 (+32%) from 2017

Net Income

Down

-$84,129

Down $176,171 (-191%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth99th percentile

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

$15M$10M$5.0M$0Assets 2010: $8,320,557Liabilities 2010: $6,960,737Net Assets 2010: $1,359,8202010Assets 2013: $9,358,283Liabilities 2013: $7,972,314Net Assets 2013: $1,385,9692013Assets 2014: $10,583,792Liabilities 2014: $9,147,478Net Assets 2014: $1,436,3142014Assets 2015: $11,383,700Liabilities 2015: $9,838,089Net Assets 2015: $1,545,6112015Assets 2016: $12,520,079Liabilities 2016: $10,884,446Net Assets 2016: $1,635,6332016Assets 2017: $12,698,671Liabilities 2017: $10,970,994Net Assets 2017: $1,727,6772017Assets 2018: $14,952,579Liabilities 2018: $13,309,029Net Assets 2018: $1,643,5502018

Highlighted filing

2018

Assets$14,952,579
Liabilities$13,309,029
Net Assets$1,643,550
Open 2018 Filing

Operations Trend

Revenue Growth60th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $558,1882010Revenue 2013: $576,808Expenses 2013: $557,159Net Income 2013: $19,6492013Revenue 2014: $672,343Expenses 2014: $621,999Net Income 2014: $50,3442014Revenue 2015: $786,301Expenses 2015: $677,004Net Income 2015: $109,2972015Revenue 2016: $876,765Expenses 2016: $785,139Net Income 2016: $91,6262016Revenue 2017: $899,900Expenses 2017: $807,858Net Income 2017: $92,0422017Revenue 2018: $982,442Expenses 2018: $1,066,571Net Income 2018: -$84,1292018

Highlighted filing

2018

Revenue$982,442
Expenses$1,066,571
Net Income-$84,129
Open 2018 Filing

Filings

Most recent year

2018 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$14,952,579
Liabilities
$13,309,029
Net assets
$1,643,550
Revenue
$982,442
Expenses
$1,066,571
Net income
-$84,129
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.0$13.3$1.64$0.98$1.07$0.08
2017Detailed filing. Detailed filing data is available for this year.$12.7$11.0$1.73$0.90$0.81$0.09
2016Detailed filing. Detailed filing data is available for this year.$12.5$10.9$1.64$0.88$0.79$0.09
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.4$9.84$1.55$0.79$0.68$0.11
2014Detailed filing. Detailed filing data is available for this year.$10.6$9.15$1.44$0.67$0.62$0.05
2013Detailed filing. Detailed filing data is available for this year.$9.36$7.97$1.39$0.58$0.56$0.02
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.32$6.96$1.36$0.56
Latest Detailed Filing

The latest 2018 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2017 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 1, 2018
Return Version
2017v2.2
Gross Receipts
$899,900
Mission and Program Overview

Mission

The village credit union operates for the primary purpose of promoting thrift, providing credit at reasonable rates, and providing other financial services to its members.

The village credit union operates for the primary purpose of promoting thirft, providing credit at reasonable rates, and providing other financial services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,552,752$10,313,079▲ $1,760,327
Investments Program Related$2,618,491$1,304,741▼ $1,313,750
Rtn Earn Endowment Incm Other Fnds$1,235,633$1,272,677▲ $37,044
Pd in Cap Srpls Land Bldg Eqp Fund$400,000$455,000▲ $55,000
Savings and Temporary Cash Investments$639,931$413,991▼ $225,940
Land, Buildings, and Equipment, Net$371,922$355,291▼ $16,631
Cash and Non-Interest-Bearing Accounts$190,925$147,972▼ $42,953
Prepaid Expenses and Deferred Charges$19,561$24,147▲ $4,586
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$12,520,079$12,698,671▲ $178,592
Other Assets Total$126,497$139,450▲ $12,953
Liabilities
Other Liabilities$10,817,492$10,910,768▲ $93,276
Accounts Payable and Accrued Expenses$66,954$60,226▼ $6,728
Total Liabilities$10,884,446$10,970,994▲ $86,548
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,635,633$1,727,677▲ $92,044
Total Liabilities and Net Assets / Fund Balance$12,520,079$12,698,671▲ $178,592

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$107,490$173,340$280,830
Buildings$113,943$85,656$199,599
Equipment$24,163$131,245$155,408
Land$109,695-$109,695
Investment Program Related Org$1,304,741--
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Deborah WhittiePresident/CEOFT$75,000$21,438$96,438

Board Members and Trustees

NameTitle
Jackie WardChairman
Carol SweeneyDirector
Elaine VanhoozerDirector
Junior IbarraDirector
Linda WileyDirector
Luis ArrendondoDirector
Mary HovelsonDirector
Sharon BowlinDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$650,940
Investment Income
$27,553
Other Revenue
$221,407
Change in Net Assets
$92,042
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$508,994
Salaries, Compensation, and Employee Benefits$298,864
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$149,564--$149,564
Current Officers, Directors, Trustees, and Key Employees$96,438--$96,438
Information Technology$56,300--$56,300
All Other Expenses$46,087--$46,087
Occupancy$40,795--$40,795
Interest$39,822--$39,822
Other Employee Benefits$34,551--$34,551
Office Expenses$32,887--$32,887
Depreciation Depletion$21,344--$21,344
Payroll Taxes$18,311--$18,311
Insurance$15,908--$15,908
Advertising$12,965--$12,965
Other Expenses$12,623--$12,623
Travel$7,629--$7,629
Payments to Affiliates$5,185--$5,185
Fees for Services Accounting$1,793--$1,793
Fees for Services Legal$525--$525
Total Functional Expenses$807,858$0$0$807,858
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
Members Shares$10,910,768
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The village credit union is supported by its members.”

Form 990, Part VI, Section A, Line 7A

“The organization's members are elected to the board of directors as terms expire or as vacancies occur.”

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

“A copy of the form 990 was not provided to the organization's governing body before it was filed. The ceo reviews the form 990.”

Form 990, Part VI, Section B, Line 15

“There is an annual review for the ceo of the credit union. This is performed by the board of directors.”

Form 990, Part VI, Section C, Line 19

“Financial statements are pinned to bulletin board in the lobby each month, the annual report is in the lobby. Other documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
The Village Credit Union
EIN
42-0935296
Phone
5152434400
Address
601 EAST COURT AVENUE, DES MOINES, IA 50309

Signing Officer

Name
Deb Whittie
Title
CEO
Phone
5152434400
Signed
2018-05-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Deb Whittie
Formed
1934
Legal Domicile
Ia
Voting Board Members
8
Independent Board Members
8
Employees
11
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:

“ROUNDING 2.”

Raw XML Appendix393 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt066954
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt060226
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE VILLAGE CREDIT UNION OPERATES FOR THE PRIMARY PURPOSE OF PROMOTING THIRFT, PROVIDING CREDIT AT REASONABLE RATES, AND PROVIDING OTHER FINANCIAL SERVICES TO ITS MEMBERS.
IRS990/AdvertisingGrp/ProgramServicesAmt012965
IRS990/AdvertisingGrp/TotalAmt012965
IRS990/AllOtherExpensesGrp/ProgramServicesAmt046087
IRS990/AllOtherExpensesGrp/TotalAmt046087
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0DEB WHITTIE
IRS990/BooksInCareOfDetail/PhoneNum05152434400
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0601 EAST COURT AVENUE
IRS990/BooksInCareOfDetail/USAddress/CityNm0DES MOINES
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd050309
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0190925
IRS990/CashNonInterestBearingGrp/EOYAmt0147972
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt096438
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt096438
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt027553
IRS990/CYOtherExpensesAmt0508994
IRS990/CYOtherRevenueAmt0221407
IRS990/CYProgramServiceRevenueAmt0650940
IRS990/CYRevenuesLessExpensesAmt092042
IRS990/CYSalariesCompEmpBnftPaidAmt0298864
IRS990/CYTotalExpensesAmt0807858
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0899900
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt021344
IRS990/DepreciationDepletionGrp/TotalAmt021344
IRS990/Desc0THE ORGANIZATION SERVES APPROXIMATELY 2,635 MEMBERS. THE ORGANIZATION OFFERS LOANS RANGING FROM SMALL SIGNATURE LOANS UP TO HOME MORTGAGE LOANS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt011
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt0807858
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt01793
IRS990/FeesForServicesAccountingGrp/TotalAmt01793
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt0525
IRS990/FeesForServicesLegalGrp/TotalAmt0525
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt821438
IRS990/Form990PartVIISectionAGrp/PersonNm0JACKIE WARD
IRS990/Form990PartVIISectionAGrp/PersonNm1LINDA WILEY
IRS990/Form990PartVIISectionAGrp/PersonNm2SHARON BOWLIN
IRS990/Form990PartVIISectionAGrp/PersonNm3MARY HOVELSON
IRS990/Form990PartVIISectionAGrp/PersonNm4CAROL SWEENEY
IRS990/Form990PartVIISectionAGrp/PersonNm5ELAINE VANHOOZER
IRS990/Form990PartVIISectionAGrp/PersonNm6JUNIOR IBARRA
IRS990/Form990PartVIISectionAGrp/PersonNm7LUIS ARRENDONDO
IRS990/Form990PartVIISectionAGrp/PersonNm8DEBORAH WHITTIE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt875000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT/CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0899900
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt056300
IRS990/InformationTechnologyGrp/TotalAmt056300
IRS990/InsuranceGrp/ProgramServicesAmt015908
IRS990/InsuranceGrp/TotalAmt015908
IRS990/InterestGrp/ProgramServicesAmt039822
IRS990/InterestGrp/TotalAmt039822
IRS990/InvestmentIncomeGrp/ExclusionAmt027553
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt027553
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt02618491
IRS990/InvestmentsProgramRelatedGrp/EOYAmt01304741
IRS990/IRPDocumentCnt0175
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0390241
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0371922
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0355291
IRS990/LandBldgEquipCostOrOtherBssAmt0745532
IRS990/LegalDomicileStateCd0IA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt016670
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt016670
IRS990/MissionDesc0THE VILLAGE CREDIT UNION OPERATES FOR THE PRIMARY PURPOSE OF PROMOTING THRIFT, PROVIDING CREDIT AT REASONABLE RATES, AND PROVIDING OTHER FINANCIAL SERVICES TO ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt01635633
IRS990/NetAssetsOrFundBalancesEOYAmt01727677
IRS990/NetUnrelatedBusTxblIncmAmt0-1413
IRS990/NondeductibleContributionsInd00
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IRS990/OccupancyGrp/TotalAmt040795
IRS990/OfficeExpensesGrp/ProgramServicesAmt032887
IRS990/OfficeExpensesGrp/TotalAmt032887
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0126497
IRS990/OtherAssetsTotalGrp/EOYAmt0139450
IRS990/OtherChangesInNetAssetsAmt02
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt034551
IRS990/OtherEmployeeBenefitsGrp/TotalAmt034551
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT/CREDIT CARD EXPEN
IRS990/OtherExpensesGrp/Desc2SHARE DRAFT EXPENSE
IRS990/OtherExpensesGrp/ProgramServicesAmt0111590
IRS990/OtherExpensesGrp/ProgramServicesAmt1103541
IRS990/OtherExpensesGrp/ProgramServicesAmt212623
IRS990/OtherExpensesGrp/TotalAmt0111590
IRS990/OtherExpensesGrp/TotalAmt1103541
IRS990/OtherExpensesGrp/TotalAmt212623
IRS990/OtherLiabilitiesGrp/BOYAmt010817492
IRS990/OtherLiabilitiesGrp/EOYAmt010910768
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0SERVICE FEES
IRS990/OtherRevenueMiscGrp/Desc1DEBIT/CREDIT CARD INCO
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0101536
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt195309
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0109428
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt195309
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt07892
IRS990/OtherRevenueTotalAmt0221407
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0149564
IRS990/OtherSalariesAndWagesGrp/TotalAmt0149564
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt08552752
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt010313079
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt05185
IRS990/PaymentsToAffiliatesGrp/TotalAmt05185
IRS990/PayrollTaxesGrp/ProgramServicesAmt018311
IRS990/PayrollTaxesGrp/TotalAmt018311
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0400000
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt0455000
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt019561
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt024147
IRS990/PrincipalOfficerNm0DEB WHITTIE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0650940
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0650940
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt018553
IRS990/PYOtherExpensesAmt0518288
IRS990/PYOtherRevenueAmt0225449
IRS990/PYProgramServiceRevenueAmt0632763
IRS990/PYRevenuesLessExpensesAmt091626
IRS990/PYSalariesCompEmpBnftPaidAmt0266851
IRS990/PYTotalExpensesAmt0785139
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0876765
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt092042
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt0864455
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01235633
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01272677
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0639931
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0413991
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0113943
IRS990ScheduleD/BuildingsGrp/DepreciationAmt085656
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0199599
IRS990ScheduleD/EquipmentGrp/BookValueAmt024163
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0131245
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0155408
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt01304741
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCB
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt0109695
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0109695
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0107490
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0173340
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0280830
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt010910768
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0355291
IRS990ScheduleD/TotalBookValueProgramRltdAmt01304741
IRS990ScheduleD/TotalLiabilityAmt010910768
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE VILLAGE CREDIT UNION IS SUPPORTED BY ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION'S MEMBERS ARE ELECTED TO THE BOARD OF DIRECTORS AS TERMS EXPIRE OR AS VACANCIES OCCUR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COPY OF THE FORM 990 WAS NOT PROVIDED TO THE ORGANIZATION'S GOVERNING BODY BEFORE IT WAS FILED. THE CEO REVIEWS THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THERE IS AN ANNUAL REVIEW FOR THE CEO OF THE CREDIT UNION. THIS IS PERFORMED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FINANCIAL STATEMENTS ARE PINNED TO BULLETIN BOARD IN THE LOBBY EACH MONTH, THE ANNUAL REPORT IS IN THE LOBBY. OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ROUNDING 2.
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 B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt012520079
IRS990/TotalAssetsEOYAmt012698671
IRS990/TotalAssetsGrp/BOYAmt012520079
IRS990/TotalAssetsGrp/EOYAmt012698671
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0807858
IRS990/TotalFunctionalExpensesGrp/TotalAmt0807858
IRS990/TotalGrossUBIAmt07892
IRS990/TotalLiabilitiesBOYAmt010884446
IRS990/TotalLiabilitiesEOYAmt010970994
IRS990/TotalLiabilitiesGrp/BOYAmt010884446
IRS990/TotalLiabilitiesGrp/EOYAmt010970994
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01635633
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01727677
IRS990/TotalOtherCompensationAmt021438
IRS990/TotalProgramServiceExpensesAmt0807858
IRS990/TotalProgramServiceRevenueAmt0650940
IRS990/TotalReportableCompFromOrgAmt075000
IRS990/TotalRevenueGrp/ExclusionAmt027553
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0864455
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0899900
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt07892
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012520079
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012698671
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt07629
IRS990/TravelGrp/TotalAmt07629
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0601 EAST COURT AVENUE
IRS990/USAddress/CityNm0DES MOINES
IRS990/USAddress/StateAbbreviationCd0IA
IRS990/USAddress/ZIPCd050309
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.VILLAGECU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DEB WHITTIE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05152434400
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0THE VILLAGE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0VILL
ReturnHeader/Filer/EIN0420935296
ReturnHeader/Filer/PhoneNum05152434400
ReturnHeader/Filer/USAddress/AddressLine1Txt0601 EAST COURT AVENUE
ReturnHeader/Filer/USAddress/CityNm0DES MOINES
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IA
ReturnHeader/Filer/USAddress/ZIPCd050309
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId078F8C91D6504F7A0444B60F6750A7491C18CF716
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0868275DD82532EC880E956C9A8FB42895C992810
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0208.69.145.49
ReturnHeader/FilingSecurityInformation/IPDt02018-05-04
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm009:14:32
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0421186197
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GARDINER THOMSEN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010555 NEW YORK AVENUE SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0DES MOINES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd050322
ReturnHeader/PreparerPersonGrp/PhoneNum05152701446
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0C L TELK JR CPA
ReturnHeader/ReturnTs02018-05-04T09:14:43-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

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