Liabilities / Assets
60th percentile
Higher debt load relative to assets than 60% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.05x
Liabilities / Revenue
88th percentile
Higher debt load relative to revenue than 88% of similar nonprofits.
Net Margin
49th percentile
Higher net margin than 49% of similar nonprofits.
Top Officer Pay
65th percentile
Higher top officer pay than 65% of similar nonprofits.
Top officer pay equals 39.1% of source-year revenue.
Asset Growth
64th percentile
Faster asset growth than 64% of similar nonprofits.
Revenue Growth
63rd percentile
Faster revenue growth than 63% of similar nonprofits.
Balance Sheet
Assets
Up$551,209
Up $31,140 (+6.0%) from 2012
Net Assets
Up$520,934
Up $1,523 (+0.3%) from 2012
Liabilities
Up$30,275
Up $29,617 (+4501%) from 2012
Revenue And Expenses
Revenue
$42,447
No earlier filing loaded for comparison.
Expenses
Up$41,377
Up $4,494 (+12%) from 2012
Net Income
$1,070
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Jan 27, 2014
- Return Version
- 2013v3.1
- Gross Receipts
- $42,447
Mission and Program Overview
Mission
Credit union creates a source of credit at a fair and reasonable rate of interest, encourage habits of thrift among their members, and provide an opportunity for their members to use and control their own money on a democratic basis in order to improve their economic and social condition.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $511,774 | $543,460 | ▲ $31,686 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $426,611 | $427,063 | ▲ $452 |
| Rtn Earn Endowment Incm Other Fnds | $92,800 | $93,871 | ▲ $1,071 |
| Savings and Temporary Cash Investments | $7,101 | $5,278 | ▼ $1,823 |
| Cash and Non-Interest-Bearing Accounts | $942 | $1,269 | ▲ $327 |
| Land, Buildings, and Equipment, Net | $252 | $1,202 | ▲ $950 |
| 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 | - |
| Prepaid Expenses and Deferred Charges | - | $0 | - |
| Total Assets | $520,069 | $551,209 | ▲ $31,140 |
| Other Assets Total | - | $0 | - |
| Liabilities | |||
| Mortgage Notes Payable Secured by Investment Property | - | $29,452 | - |
| Other Liabilities | $658 | $823 | ▲ $165 |
| Total Liabilities | $658 | $30,275 | ▲ $29,617 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $519,411 | $520,934 | ▲ $1,523 |
| Total Liabilities and Net Assets / Fund Balance | $520,069 | $551,209 | ▲ $31,140 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $1,202 | $1,383 | $2,585 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Susan Curry | Treasurer | PT | $16,600 | $16,600 |
Board Members and Trustees
| Name | Title |
|---|---|
| James Phillips | President |
| James Geweke | Vice President |
| Nate Clayberg | Audit Committe |
| Becky Burke | Audit Committee |
| Jeff Youngblut | Audit Committee |
| Annmarie Loeb | Loan Committee |
| Dawn Hansen | Loan Committee |
| Donna Amfahr | Secretary |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $42,418
- Investment Income
- $29
- Other Revenue
- $0
- Change in Net Assets
- $1,070
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $23,465 |
| Salaries, Compensation, and Employee Benefits | $17,912 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $16,600 |
| Fees for Services Accounting | $3,193 | - | - | $3,193 |
| Insurance | $2,680 | - | - | $2,680 |
| Office Expenses | $1,693 | - | - | $1,693 |
| All Other Expenses | $1,512 | - | - | $1,512 |
| Payroll Taxes | $1,312 | - | - | $1,312 |
| Interest | $767 | - | - | $767 |
| Other Expenses | $672 | - | - | $672 |
| Depreciation Depletion | $292 | - | - | $292 |
| Total Functional Expenses | $24,777 | $0 | $0 | $41,377 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Lobbying activity
- No
- Subject to proxy tax
- No
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $0 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $0 | - |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Ncua Stabilization Payable | $553 |
| State Withholding | $270 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Backup withholding compliance
- 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
- No
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
“Credit union membership consists of natural persons and entities as approved from time to time by, and recorded at the office of, the superintendent of credit unions. Membership consists of those persons in the common bond who have subscribed to one ownership share and have complied with the other requirements as specified by the articles of incorporation and bylaws.”
Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body
“At each annual meeting, members have one vote. At each annual meeting, one member shall be elected to fill each board of director position vacated by reason of an expiring term or other cause.”
Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders
“The majority of members present at any meeting may vote to modify, amend or reverse any act of the board of directors or instruct the board to take action not inconsistent with the articles, bylaws, or the iowa code. In order to be binding upon the board of directors, any action requires an affirmative vote of a majority of eligible members.”
Form 990, Part VI, Line 11B: Form 990 Review Process
“The form 990 is reviewed by each subordinate organization following filing.”
Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts
“The organization requires officers and directors to disclose annually interests that could give rise to conflicts. To identify any potential conflicts of interest, every insider provides an annual statement outlining specific relations and situations. The conflict of interest policy is annually reviewed by the board and is enforced by the board.”
Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management
“A compensation committee has overall responsibility for approving and evaluating the president/ceo compensation, benefit and prerequisite plans, policies and programs of the credit union. The compensation committee is also responsible for producing an annual report on executive compensation for review by the entire board. An independent third party reviews compensation based on data compiled from numerous sources. Software is used that compares relative compensation data.”
Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
“The organization makes its governing documents, conflict of interest policy and financial statement available to the public upon request. Financial statement are also posted tin the main branch of the credit union.”
Filing and Contact Details
Filer
- EIN
- 42-6057316
- Phone
- 3198276595
Signing Officer
- Name
- Susan Curry
- Title
- Treasurer
- Signed
- 2014-01-27
- Discuss with paid preparer
- Yes
Organization Details
- Formed
- 1995
- Legal Domicile
- Ia
- Voting Board Members
- 9
- Independent Board Members
- 0
- Employees
- 0
Preparer
- Preparer
- Donald A Weber
- Phone
- 3192831173
Supplemental Narrative
Additional Explanations
Other Changes In Net Assets Or Fund Balances - Other Increases
“= $453”
Raw XML Appendix389 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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | CREDIT UNION CREATES A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST, ENCOURAGE HABITS OF THRIFT AMONG THEIR MEMBERS, AND PROVIDE AN OPPORTUNITY FOR THEIR MEMBERS TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 0 |
| IRS990/AllAffiliatesIncludedInd | 0 | false |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 1512 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 1512 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | false |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | SUSAN CURRY |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3198276595 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 1255 3RD ST |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | JESUP |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | IA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 50648 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 942 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1269 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 16600 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 29 |
| IRS990/CYOtherExpensesAmt | 0 | 23465 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 42418 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1070 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 17912 |
| IRS990/CYTotalExpensesAmt | 0 | 41377 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 42447 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 292 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 292 |
| IRS990/Desc | 0 | CREDIT UNION CREATES A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST, ENCOURAGE HABITS OF THRIFT AMONG THEIR MEMBERS, AND PROVIDE AN OPPORTUNITY FOR THEIR MEMBERS TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DistributionToDonorInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 0 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | false |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/EscrowAccountInd | 0 | false |
| IRS990/ExcessBusinessHoldingsInd | 0 | false |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 3193 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 3193 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.25 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.25 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.25 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.25 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.25 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 30.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | DONNA AMFAHR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JEFF YOUNGBLUT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JAMES GEWEKE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | ANNMARIE LOEB |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | DAWN HANSEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | JAMES PHILLIPS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | NATE CLAYBERG |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | BECKY BURKE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | SUSAN CURRY |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 16600 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | AUDIT COMMITTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | LOAN COMMITTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | LOAN COMMITTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | AUDIT COMMITTE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | AUDIT COMMITTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Treasurer |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | false |
| IRS990/FormationYr | 0 | 1995 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 42447 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 0 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 0 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 2680 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 2680 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 767 |
| IRS990/InterestGrp/TotalAmt | 0 | 767 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 29 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 29 |
| IRS990/InvestmentInJointVentureInd | 0 | true |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/InvestTaxExemptBondsInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1383 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 252 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1202 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2585 |
| IRS990/LegalDomicileStateCd | 0 | IA |
| IRS990/LicensedMoreThanOneStateInd | 0 | false |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LobbyingActivitiesInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | CREDIT UNION CREATES A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST, ENCOURAGE HABITS OF THRIFT AMONG THEIR MEMBERS, AND PROVIDE AN OPPORTUNITY FOR THEIR MEMBERS TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 29452 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 519411 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 520934 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 0 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 1693 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 1693 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OnBehalfOfIssuerInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OrgFiledInLieuOfForm1041Ind | 0 | false |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 0 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 453 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/Desc | 0 | SHARE DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 1 | BAD DEBTS |
| IRS990/OtherExpensesGrp/Desc | 2 | TELEPHONE |
| IRS990/OtherExpensesGrp/Desc | 3 | EXAMINATION FEE |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 6946 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 4500 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 1210 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 672 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 6946 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 4500 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 1210 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 672 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 658 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 823 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | STABILIZATION FEE REFUND |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 0 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 511774 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 543460 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 1312 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 1312 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 426611 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 427063 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | BAD DEBT RECOVER |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | LOAN INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | LOAN LATE FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | Membership Dues & Assessments |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | RETURN CHECK FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 41646 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 615 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 58 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 99 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 41646 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 615 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 58 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 99 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 385 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 21541 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 37984 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1486 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 15342 |
| IRS990/PYTotalExpensesAmt | 0 | 36883 |
| IRS990/PYTotalRevenueAmt | 0 | 38369 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1070 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 92800 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 93871 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 7101 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 5278 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 1202 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1383 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2585 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 553 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 270 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | NCUA STABILIZATION PAYABLE |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | STATE WITHHOLDING |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1202 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 823 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | CREDIT UNION MEMBERSHIP CONSISTS OF NATURAL PERSONS AND ENTITIES AS APPROVED FROM TIME TO TIME BY, AND RECORDED AT THE OFFICE OF, THE SUPERINTENDENT OF CREDIT UNIONS. MEMBERSHIP CONSISTS OF THOSE PERSONS IN THE COMMON BOND WHO HAVE SUBSCRIBED TO ONE OWNERSHIP SHARE AND HAVE COMPLIED WITH THE OTHER REQUIREMENTS AS SPECIFIED BY THE ARTICLES OF INCORPORATION AND BYLAWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | AT EACH ANNUAL MEETING, MEMBERS HAVE ONE VOTE. AT EACH ANNUAL MEETING, ONE MEMBER SHALL BE ELECTED TO FILL EACH BOARD OF DIRECTOR POSITION VACATED BY REASON OF AN EXPIRING TERM OR OTHER CAUSE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE MAJORITY OF MEMBERS PRESENT AT ANY MEETING MAY VOTE TO MODIFY, AMEND OR REVERSE ANY ACT OF THE BOARD OF DIRECTORS OR INSTRUCT THE BOARD TO TAKE ACTION NOT INCONSISTENT WITH THE ARTICLES, BYLAWS, OR THE IOWA CODE. IN ORDER TO BE BINDING UPON THE BOARD OF DIRECTORS, ANY ACTION REQUIRES AN AFFIRMATIVE VOTE OF A MAJORITY OF ELIGIBLE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE FORM 990 IS REVIEWED BY EACH SUBORDINATE ORGANIZATION FOLLOWING FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE ORGANIZATION REQUIRES OFFICERS AND DIRECTORS TO DISCLOSE ANNUALLY INTERESTS THAT COULD GIVE RISE TO CONFLICTS. TO IDENTIFY ANY POTENTIAL CONFLICTS OF INTEREST, EVERY INSIDER PROVIDES AN ANNUAL STATEMENT OUTLINING SPECIFIC RELATIONS AND SITUATIONS. THE CONFLICT OF INTEREST POLICY IS ANNUALLY REVIEWED BY THE BOARD AND IS ENFORCED BY THE BOARD. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | A COMPENSATION COMMITTEE HAS OVERALL RESPONSIBILITY FOR APPROVING AND EVALUATING THE PRESIDENT/CEO COMPENSATION, BENEFIT AND PREREQUISITE PLANS, POLICIES AND PROGRAMS OF THE CREDIT UNION. THE COMPENSATION COMMITTEE IS ALSO RESPONSIBLE FOR PRODUCING AN ANNUAL REPORT ON EXECUTIVE COMPENSATION FOR REVIEW BY THE ENTIRE BOARD. AN INDEPENDENT THIRD PARTY REVIEWS COMPENSATION BASED ON DATA COMPILED FROM NUMEROUS SOURCES. SOFTWARE IS USED THAT COMPARES RELATIVE COMPENSATION DATA. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENT AVAILABLE TO THE PUBLIC UPON REQUEST. FINANCIAL STATEMENT ARE ALSO POSTED TIN THE MAIN BRANCH OF THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | = $453 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Line 11b: Form 990 Review Process |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Line 19: Other Organization Documents Publicly Available |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Other Changes In Net Assets Or Fund Balances - Other Increases |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxableDistributionsInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 520069 |
| IRS990/TotalAssetsEOYAmt | 0 | 551209 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 520069 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 551209 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 24777 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 41377 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 658 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 30275 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 658 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 30275 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 519411 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 520934 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 42418 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 16600 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 42447 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 42447 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 520069 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 551209 |
| IRS990/TransactionWithControlEntInd | 0 | false |
| IRS990/TravelGrp/TotalAmt | 0 | 0 |
| IRS990/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 9 |
| IRS990/VotingMembersIndependentCnt | 0 | 0 |
| IRS990/WebsiteAddressTxt | 0 | N/A |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| IRS990/WrittenPolicyOrProcedureInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | SUSAN CURRY |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | Treasurer |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-01-27 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | ST ATHANASIUS CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | STAT |
| ReturnHeader/Filer/EIN | 0 | 426057316 |
| ReturnHeader/Filer/PhoneNum | 0 | 3198276595 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 1255 3RD ST |
| ReturnHeader/Filer/USAddress/City | 0 | JESUP |
| ReturnHeader/Filer/USAddress/State | 0 | IA |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 50648 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | RFSW & Co CPAs PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | 14 East Charles St |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City | 0 | Oelwein |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State | 0 | IA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode | 0 | 50662 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 3192831173 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | Donald A Weber |
| ReturnHeader/ReturnTs | 0 | 2014-02-01T10:01:55-08:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2013-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2013-12-31 |
| ReturnHeader/TaxYr | 0 | 2013 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $551,209
- Liabilities
- $30,275
- Net assets
- $520,934
- Revenue
- $42,447
- Expenses
- $41,377
- Net income
- $1,070