Civic Intelligence

Electro Savings Credit Union

990 • Fiscal year 2015 • EIN 43-0605018

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 29, 2016

Organization ProfileWWW.ELECTROSAVINGS.COM

View Organization Page

1850 Craigshire Road No 203St Louis, MO 63146-4013

(314) 434-6470

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

60th percentile

0.90x

Higher debt load relative to assets than 60% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

20th percentile

14.58x

Higher debt load relative to revenue than 20% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

39th percentile

8.9%

Higher net margin than 39% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

72nd percentile

$245,349

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Asset Growth

12th percentile

0.9%

Faster asset growth than 12% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

74th percentile

8.6%

Faster revenue growth than 74% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets60th percentile

Assets

Up

$148,882,383

Up $1,275,028 (+0.9%) from 2014

Net Assets

Up

$14,371,087

Up $598,748 (+4.3%) from 2014

Liabilities

Up

$134,511,296

Up $676,280 (+0.5%) from 2014

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin39th percentile

Revenue

Up

$9,227,442

Up $733,773 (+8.6%) from 2014

Expenses

Up

$8,404,610

Up $707,340 (+9.2%) from 2014

Net Income

Up

$822,832

Up $26,433 (+3.3%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth12th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$300M$200M$100M$0Assets 2010: $143,886,859Liabilities 2010: $132,409,915Net Assets 2010: $11,476,9442010Assets 2011: $139,467,983Liabilities 2011: $127,254,141Net Assets 2011: $12,213,8422011Assets 2012: $146,415,116Liabilities 2012: $133,602,662Net Assets 2012: $12,812,4542012Assets 2013: $146,404,420Liabilities 2013: $133,356,870Net Assets 2013: $13,047,5502013Assets 2014: $147,607,355Liabilities 2014: $133,835,016Net Assets 2014: $13,772,3392014Assets 2015: $148,882,383Liabilities 2015: $134,511,296Net Assets 2015: $14,371,0872015Assets 2016: $159,307,154Liabilities 2016: $145,132,965Net Assets 2016: $14,174,1892016Assets 2017: $161,389,587Liabilities 2017: $146,988,364Net Assets 2017: $14,401,2232017Assets 2018: $168,410,913Liabilities 2018: $154,511,793Net Assets 2018: $13,899,1202018Assets 2019: $177,091,049Liabilities 2019: $161,637,546Net Assets 2019: $15,453,5032019Assets 2020: $223,844,211Liabilities 2020: $206,711,634Net Assets 2020: $17,132,5772020Assets 2021: $250,400,815Liabilities 2021: $233,234,975Net Assets 2021: $17,165,8402021Assets 2022: $222,732,123Liabilities 2022: $208,357,450Net Assets 2022: $14,374,6732022Assets 2023: $210,183,943Liabilities 2023: $199,485,729Net Assets 2023: $10,698,2142023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2015

Assets$148,882,383
Liabilities$134,511,296
Net Assets$14,371,087
Open 2015 Filing

Operations Trend

Revenue Growth74th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$20M$10M$0-$10MExpenses 2010: $8,511,0102010Expenses 2011: $8,231,9112011Expenses 2012: $8,382,5082012Revenue 2013: $8,613,451Expenses 2013: $7,816,873Net Income 2013: $796,5782013Revenue 2014: $8,493,669Expenses 2014: $7,697,270Net Income 2014: $796,3992014Revenue 2015: $9,227,442Expenses 2015: $8,404,610Net Income 2015: $822,8322015Revenue 2016: $9,031,586Expenses 2016: $8,573,148Net Income 2016: $458,4382016Revenue 2017: $8,534,218Expenses 2017: $8,385,870Net Income 2017: $148,3482017Revenue 2018: $8,917,385Expenses 2018: $8,593,481Net Income 2018: $323,9042018Revenue 2019: $9,899,667Expenses 2019: $9,240,980Net Income 2019: $658,6872019Revenue 2020: $11,018,535Expenses 2020: $9,927,027Net Income 2020: $1,091,5082020Revenue 2021: $12,131,596Expenses 2021: $11,769,098Net Income 2021: $362,4982021Revenue 2022: $13,380,765Expenses 2022: $14,999,717Net Income 2022: -$1,618,9522022Revenue 2023: $12,489,294Expenses 2023: $16,601,961Net Income 2023: -$4,112,6672023Revenue 2024: $12,719,747Expenses 2024: $14,679,317Net Income 2024: -$1,959,5702024

Highlighted filing

2015

Revenue$9,227,442
Expenses$8,404,610
Net Income$822,832
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 29, 2016
Return Version
2015v2.1
Gross Receipts
$9,227,442
Mission and Program Overview

Mission

The mission of electro savings credit union is to fulfill members' financial needs in a manner which is beneficial to them individually and collectively. This fulfillment will be accomplished by offering savings plans, loan programs, and other services, which are fiscally sound, competitive and innovative within the restraints imposed by good and ethical business practices. Credit union staff will administer the services and programs in a professional, courteous manner. The board of directors will act unselfishly and responsibly in all credit union activities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$117,252,772$110,344,262▼ $6,908,510
Investments in Publicly Traded Securities-$16,187,443-
Rtn Earn Endowment Incm Other Fnds$13,772,339$14,371,087▲ $598,748
Savings and Temporary Cash Investments$5,351,561$12,699,035▲ $7,347,474
Land, Buildings, and Equipment, Net$4,928,037$4,647,324▼ $280,713
Cash and Non-Interest-Bearing Accounts$1,532,443$1,518,127▼ $14,316
Prepaid Expenses and Deferred Charges$1,093,207$934,170▼ $159,037
Investments Other Securities$14,973,607$174,800▼ $14,798,807
Accounts Receivable$139,490$2,425▼ $137,065
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$147,607,355$148,882,383▲ $1,275,028
Other Assets Total$2,336,238$2,374,797▲ $38,559
Liabilities
Other Liabilities$129,244,068$132,913,076▲ $3,669,008
Mortgage Notes Payable Secured by Investment Property$2,553,391--
Accounts Payable and Accrued Expenses$1,160,171$1,232,610▲ $72,439
Deferred Revenue$877,386$365,610▼ $511,776
Total Liabilities$133,835,016$134,511,296▲ $676,280
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,772,339$14,371,087▲ $598,748
Total Liabilities and Net Assets / Fund Balance$147,607,355$148,882,383▲ $1,275,028

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,800,795$1,523,098$4,323,893
Equipment$693,909$3,106,782$3,800,691
Land$1,152,620-$1,152,620
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stanley MoeckliPresident & CEOFT$208,893$36,456$245,349
Eric HardmanVice President - FinanceFT$130,001$25,650$155,651
David MeyerVice President - Operations & LendingFT$104,446$15,124$119,570
Lisa FarnenVice President - MarketingFT$90,182$17,142$107,324
Ashley KeeganVice President - Human ResourcesFT$68,480$12,570$81,050

Board Members and Trustees

NameTitle
Michael KnottChairman
Jessica YoungVice Chairman
David DeweeseDirector
Howard HoemannDirector
Robert PetersDirector
Shelby EdwardsDirector
Wilbon CooperDirector
James TelthorstSecretary
James MullineauxTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$511,776
Program Service Revenue
$8,446,568
Investment Income
$249,663
Other Revenue
$19,435
Change in Net Assets
$822,832

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,227,442
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$9,227,442
Total Revenue per Form 990
$9,227,442
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,954,973
Salaries, Compensation, and Employee Benefits$3,438,844
Grants and Similar Amounts Paid$3,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,175,925
Office Expenses---$1,313,533
Current Officers, Directors, Trustees, and Key Employees---$708,944
Depreciation Depletion---$461,186
Occupancy---$403,488
Advertising---$262,386
Information Technology---$252,093
Other Employee Benefits---$232,679
Payroll Taxes---$217,935
Pension Plan Contributions---$103,361
Conferences and Meetings---$77,399
All Other Expenses---$72,394
Other Expenses---$70,246
Insurance---$67,200
Fees for Services Other---$58,586
Fees for Services Accounting---$35,427
Travel---$12,971
Fees for Services Legal---$8,624
Benefits to Members---$7,793
Interest---$5,881
Grants to Domestic Individuals---$3,000
Total Functional Expenses$0$0$0$8,404,610

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,404,610
Total Expenses per Audited Statements$8,404,610
Total Expenses per Form 990$8,404,610
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 Share Deposits$132,913,076
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 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, Section A, Line 6

“The credit union is mutually owned by members.”

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

“The board of directors are elected by the credit union members.”

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

“Certain significant changes such as changes to the bylaws are subject to approval by the credit union members; however, no such changes were made during the year.”

Form 990, Part VI, Section B, Line 11

“The accounting department provides details to the outside accounting firm preparing the form 990. The completed return is reviewed by the vice president - finance before filing.”

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

“On an annual basis, all directors and senior management review the conflict of interest policy and are asked to disclose any interests that could give rise to conflicts. Results are documented in the board minutes.”

Form 990, Part VI, Section B, Line 15A

“An independent third party salary consultant meets with the compensation committee of the board of directors, provides comparative salary survey information, and makes a recommendation on the president's compensation pursuant to a signed employment contract. All other management compensation is determined by the president and is presented as part of the budget package to the board of directors for approval. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the lobby, presented at the annual meeting, and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.”

Filing and Contact Details

Filer

Filer Name
Electro Savings Credit Union
EIN
43-0605018
Phone
3144346470
Address
1850 CRAIGSHIRE ROAD NO 203, ST LOUIS, MO 63146-4013

Signing Officer

Name
Eric Hardman
Title
Vice President - Finance
Phone
3144346470
Signed
2016-11-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Stanley Moeckli
Formed
1941
Legal Domicile
Mo
Voting Board Members
9
Independent Board Members
9
Employees
90
Volunteers
13

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Phone
3142058601
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net change in unrecognized loss on pension plan -176,226.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union refers members to "greenpath financial wellness" for credit counseling and education.”

PART X, LINE 2:

“The credit union is exempt by statute from federal income taxes except for certain products and services which have been deemed by the internal revenue service (irs) to be unrelated to the credit union's exempt purpose. As presented in technical advice memorandums, the net taxable income from these products and services is subject to income taxes under the unrelated business income tax (ubit) regulations. In management's opinion, the credit union has no unrelated taxable business income and no accrual has been recorded. Taxing authorities have the ability to assess taxes, penalties and interest for any years for which no tax return was filed. In the opinion of management, the estimated liability for any potential tax assessment would not have a material effect on the credit union's financial position or results of operations.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE PRESIDENT - FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE PRESIDENT - OPERATIONS & LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE PRESIDENT - MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE PRESIDENT - HUMAN RESOURCES
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01941
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GovernmentGrantsAmt0511776
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt03000
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt09227442
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0252093
IRS990/InsuranceGrp/TotalAmt067200
IRS990/InterestGrp/TotalAmt05881
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0249663
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0249663
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt014973607
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0174800
IRS990/InvestmentsPubTradedSecGrp/EOYAmt016187443
IRS990/IRPDocumentCnt03467
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04629880
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04928037
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04647324
IRS990/LandBldgEquipCostOrOtherBssAmt09277204
IRS990/LegalDomicileStateCd0MO
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE MISSION OF ELECTRO SAVINGS CREDIT UNION IS TO FULFILL MEMBERS' FINANCIAL NEEDS IN A MANNER WHICH IS BENEFICIAL TO THEM INDIVIDUALLY AND COLLECTIVELY. THIS FULFILLMENT WILL BE ACCOMPLISHED BY OFFERING SAVINGS PLANS, LOAN PROGRAMS, AND OTHER SERVICES, WHICH ARE FISCALLY SOUND, COMPETITIVE AND INNOVATIVE WITHIN THE RESTRAINTS IMPOSED BY GOOD AND ETHICAL BUSINESS PRACTICES. CREDIT UNION STAFF WILL ADMINISTER THE SERVICES AND PROGRAMS IN A PROFESSIONAL, COURTEOUS MANNER. THE BOARD OF DIRECTORS WILL ACT UNSELFISHLY AND RESPONSIBLY IN ALL CREDIT UNION ACTIVITIES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt02553391
IRS990/NetAssetsOrFundBalancesBOYAmt013772339
IRS990/NetAssetsOrFundBalancesEOYAmt014371087
IRS990/NetUnrelatedBusTxblIncmAmt0-5703
IRS990/NetUnrlzdGainsLossesInvstAmt0-47858
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0403488
IRS990/OfficeExpensesGrp/TotalAmt01313533
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02336238
IRS990/OtherAssetsTotalGrp/EOYAmt02374797
IRS990/OtherChangesInNetAssetsAmt0-176226
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0232679
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES & FEES
IRS990/OtherExpensesGrp/TotalAmt0808670
IRS990/OtherExpensesGrp/TotalAmt1560022
IRS990/OtherExpensesGrp/TotalAmt2484867
IRS990/OtherExpensesGrp/TotalAmt370246
IRS990/OtherLiabilitiesGrp/BOYAmt0129244068
IRS990/OtherLiabilitiesGrp/EOYAmt0132913076
IRS990/OtherSalariesAndWagesGrp/TotalAmt02175925
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0117252772
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0110344262
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0217935
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0103361
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01093207
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0934170
IRS990/PrincipalOfficerNm0STANLEY MOECKLI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER FEES
IRS990/ProgramServiceRevenueGrp/Desc3WARRANTY SALES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06311114
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12090995
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06311114
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12090995
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt234859
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt39600
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt034859
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt19600
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2015, THERE WERE 11,210 LOANS OUTSTANDING TOTALING $111,688,396.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $484,867 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt011612
IRS990/PYContributionsGrantsAmt0469614
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0480878
IRS990/PYOtherExpensesAmt04465956
IRS990/PYOtherRevenueAmt019620
IRS990/PYProgramServiceRevenueAmt07523557
IRS990/PYRevenuesLessExpensesAmt0796399
IRS990/PYSalariesCompEmpBnftPaidAmt03219702
IRS990/PYTotalExpensesAmt07697270
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08493669
IRS990/ReconcilationRevenueExpnssAmt0822832
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt019435
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt019435
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt013772339
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014371087
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05351561
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012699035
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02800795
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01523098
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04323893
IRS990ScheduleD/EquipmentGrp/BookValueAmt0693909
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03106782
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03800691
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt08404610
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt01152620
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01152620
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0132913076
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt09227442
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION REFERS MEMBERS TO "GREENPATH FINANCIAL WELLNESS" FOR CREDIT COUNSELING AND EDUCATION.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES EXCEPT FOR CERTAIN PRODUCTS AND SERVICES WHICH HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS) TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE. AS PRESENTED IN TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES IS SUBJECT TO INCOME TAXES UNDER THE UNRELATED BUSINESS INCOME TAX (UBIT) REGULATIONS. IN MANAGEMENT'S OPINION, THE CREDIT UNION HAS NO UNRELATED TAXABLE BUSINESS INCOME AND NO ACCRUAL HAS BEEN RECORDED. TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, THE ESTIMATED LIABILITY FOR ANY POTENTIAL TAX ASSESSMENT WOULD NOT HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04647324
IRS990ScheduleD/TotalExpensesPerForm990Amt08404610
IRS990ScheduleD/TotalLiabilityAmt0132913076
IRS990ScheduleD/TotalRevenuePerForm990Amt09227442
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09227442
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08404610
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0208893
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1130001
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount09600
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount1100
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/DeferredCompensationFlngOrgAmt010767
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt116377
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt013041
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt18838
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt03048
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt1335
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0STANLEY MOECKLI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1ERIC HARDMAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VICE PRESIDENT - FINANCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0245349
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1155651
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0AN INDEPENDENT THIRD PARTY SALARY CONSULTANT MEETS WITH THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS, PROVIDES COMPARATIVE SALARY SURVEY INFORMATION, AND MAKES A RECOMMENDATION ON THE PRESIDENT'S COMPENSATION PURSUANT TO A SIGNED EMPLOYMENT CONTRACT. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES SUCH AS CHANGES TO THE BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ACCOUNTING DEPARTMENT PROVIDES DETAILS TO THE OUTSIDE ACCOUNTING FIRM PREPARING THE FORM 990. THE COMPLETED RETURN IS REVIEWED BY THE VICE PRESIDENT - FINANCE BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ON AN ANNUAL BASIS, ALL DIRECTORS AND SENIOR MANAGEMENT REVIEW THE CONFLICT OF INTEREST POLICY AND ARE ASKED TO DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS. RESULTS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5AN INDEPENDENT THIRD PARTY SALARY CONSULTANT MEETS WITH THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS, PROVIDES COMPARATIVE SALARY SURVEY INFORMATION, AND MAKES A RECOMMENDATION ON THE PRESIDENT'S COMPENSATION PURSUANT TO A SIGNED EMPLOYMENT CONTRACT. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE PRESIDENT AND IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY, PRESENTED AT THE ANNUAL MEETING, AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NET CHANGE IN UNRECOGNIZED LOSS ON PENSION PLAN -176,226.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$148,882,383
Liabilities
$134,511,296
Net assets
$14,371,087
Revenue
$9,227,442
Expenses
$8,404,610
Net income
$822,832
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$12.7$14.7$1.96
2023Detailed filing. Detailed filing data is available for this year.$210$199$10.7$12.5$16.6$4.11
2022Detailed filing. Detailed filing data is available for this year.$223$208$14.4$13.4$15.0$1.62
2021Detailed filing. Detailed filing data is available for this year.$250$233$17.2$12.1$11.8$0.36
2020Detailed filing. Detailed filing data is available for this year.$224$207$17.1$11.0$9.93$1.09
2019Detailed filing. Detailed filing data is available for this year.$177$162$15.5$9.90$9.24$0.66
2018Detailed filing. Detailed filing data is available for this year.$168$155$13.9$8.92$8.59$0.32
2017Detailed filing. Detailed filing data is available for this year.$161$147$14.4$8.53$8.39$0.15
2016Detailed filing. Detailed filing data is available for this year.$159$145$14.2$9.03$8.57$0.46
2015Detailed filing. Detailed filing data is available for this year.$149$135$14.4$9.23$8.40$0.82
2014Detailed filing. Detailed filing data is available for this year.$148$134$13.8$8.49$7.70$0.80
2013Detailed filing. Detailed filing data is available for this year.$146$133$13.0$8.61$7.82$0.80
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$146$134$12.8$8.38
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$139$127$12.2$8.23
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$144$132$11.5$8.51