Civic Intelligence

Alliance Credit Union

990 • Fiscal year 2016 • EIN 43-0658202

Jan 01, 2016 to Dec 31, 2016 • Filed on Jun 15, 2017

Organization ProfileWWW.ALLIANCECU.COM

View Organization Page

1280 S Highway DriveFenton, MO 63026-1913

(636) 343-7005

Siviq Scores

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

Liabilities / Assets

64th percentile

0.90x

Higher debt load relative to assets than 64% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

49th percentile

17.98x

Higher debt load relative to revenue than 49% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

64th percentile

13%

Higher net margin than 64% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

92nd percentile

$360,611

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

73rd percentile

6.9%

Faster asset growth than 73% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

23rd percentile

1.5%

Faster revenue growth than 23% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$237,725,123

Up $15,279,059 (+6.9%) from 2015

Net Assets

Up

$22,742,107

Up $1,528,020 (+7.2%) from 2015

Liabilities

Up

$214,983,016

Up $13,751,039 (+6.8%) from 2015

Revenue And Expenses
Liabilities / Revenue49th percentileNet Margin64th percentile

Revenue

Up

$11,958,686

Up $172,291 (+1.5%) from 2015

Expenses

Up

$10,430,666

Up $187,389 (+1.8%) from 2015

Net Income

Down

$1,528,020

Down $15,098 (-1.0%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth73rd percentile

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

$400M$300M$200M$100M$0Assets 2010: $177,063,853Liabilities 2010: $162,389,574Net Assets 2010: $14,674,2792010Assets 2011: $183,243,892Liabilities 2011: $168,268,506Net Assets 2011: $14,975,3862011Assets 2012: $196,737,270Liabilities 2012: $180,709,696Net Assets 2012: $16,027,5742012Assets 2013: $212,796,235Liabilities 2013: $195,530,107Net Assets 2013: $17,266,1282013Assets 2014: $222,989,318Liabilities 2014: $202,707,345Net Assets 2014: $20,281,9732014Assets 2015: $222,446,064Liabilities 2015: $201,231,977Net Assets 2015: $21,214,0872015Assets 2016: $237,725,123Liabilities 2016: $214,983,016Net Assets 2016: $22,742,1072016Assets 2017: $261,740,765Liabilities 2017: $236,467,055Net Assets 2017: $25,273,7102017Assets 2018: $281,853,804Liabilities 2018: $254,498,962Net Assets 2018: $27,354,8422018Assets 2019: $311,983,158Liabilities 2019: $282,146,166Net Assets 2019: $29,836,9922019Assets 2020: $367,476,135Liabilities 2020: $335,091,860Net Assets 2020: $32,384,2752020Assets 2021: $375,125,744Liabilities 2021: $340,036,591Net Assets 2021: $35,089,1532021Assets 2023: $390,251,724Liabilities 2023: $349,969,131Net Assets 2023: $40,282,5932023Assets 2024: $374,511,521Liabilities 2024: $331,574,136Net Assets 2024: $42,937,3852024

Highlighted filing

2016

Assets$237,725,123
Liabilities$214,983,016
Net Assets$22,742,107
Open 2016 Filing

Operations Trend

Revenue Growth23rd percentile

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

$30M$20M$10M$0Expenses 2010: $9,097,4932010Expenses 2011: $8,585,2582011Expenses 2012: $8,269,1922012Revenue 2013: $9,494,322Expenses 2013: $8,359,943Net Income 2013: $1,134,3792013Revenue 2014: $11,254,836Expenses 2014: $9,931,176Net Income 2014: $1,323,6602014Revenue 2015: $11,786,395Expenses 2015: $10,243,277Net Income 2015: $1,543,1182015Revenue 2016: $11,958,686Expenses 2016: $10,430,666Net Income 2016: $1,528,0202016Revenue 2017: $13,783,518Expenses 2017: $12,044,493Net Income 2017: $1,739,0252017Revenue 2018: $15,884,023Expenses 2018: $13,802,892Net Income 2018: $2,081,1312018Revenue 2019: $17,381,795Expenses 2019: $14,899,645Net Income 2019: $2,482,1502019Revenue 2020: $16,286,305Expenses 2020: $13,991,660Net Income 2020: $2,294,6452020Revenue 2021: $16,401,673Expenses 2021: $13,696,794Net Income 2021: $2,704,8792021Revenue 2023: $19,315,852Expenses 2023: $17,114,240Net Income 2023: $2,201,6122023Revenue 2024: $22,307,413Expenses 2024: $19,770,705Net Income 2024: $2,536,7082024

Highlighted filing

2016

Revenue$11,958,686
Expenses$10,430,666
Net Income$1,528,020
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jun 15, 2017
Return Version
2016v3.0
Gross Receipts
$13,389,657
Mission and Program Overview

Mission

Provide competive financial services and products that deliver value and enrich the lives of our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$190,983,137$206,103,213▲ $15,120,076
Land, Buildings, and Equipment, Net$11,054,374$10,791,129▼ $263,245
Investments Other Securities$5,096,800$5,121,800▲ $25,000
Cash and Non-Interest-Bearing Accounts$2,261,185$2,390,969▲ $129,784
Receivables From Officers Etc$1,710,928$1,863,551▲ $152,623
Savings and Temporary Cash Investments$1,500,000$1,257,234▼ $242,766
Inventories for Sale or Use$1,300,000$1,108,969▼ $191,031
Prepaid Expenses and Deferred Charges$456,950$653,092▲ $196,142
Investments in Publicly Traded Securities$1,491$1,226▼ $265
Total Assets$222,446,064$237,725,123▲ $15,279,059
Other Assets Total$8,081,199$8,433,940▲ $352,741
Liabilities
Other Liabilities$172,023,618$179,446,813▲ $7,423,195
Unsecured Notes Loans Payable$26,755,300$32,567,800▲ $5,812,500
Accounts Payable and Accrued Expenses$2,263,228$2,748,697▲ $485,469
Escrow Account Liability$169,006$219,706▲ $50,700
Grants Payable$20,825--
Total Liabilities$201,231,977$214,983,016▲ $13,751,039
Net Assets / Fund Balance
Unrestricted Net Assets$15,026,692$16,554,712▲ $1,528,020
Permanently Rstr Net Assets$6,187,395$6,187,395→ $0
Total Net Assets Fund Balance$21,214,087$22,742,107▲ $1,528,020
Total Liabilities and Net Assets / Fund Balance$222,446,064$237,725,123▲ $15,279,059

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,290,378$2,226,413$8,516,791
Land$3,780,298-$3,780,298
Equipment$432,890$711,170$1,144,060
Other Land Buildings$287,563$831,521$1,119,084
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Timothy F StephensPresident &FT$307,437$53,174$360,611
Timothy F StephensPresident & CEO-$273,846$86,765$360,611
Dale HoepfingerVP of Operat-$96,807$25,849$122,656
Frank EvansVP of HrPT$101,646$19,709$121,355
Ken BellamyVP of Financ-$95,483$18,717$114,200
Sean ChambersVP of Lendin-$91,674$18,219$109,893
Debbie SmithAvp of Accou-$83,925$23,945$107,870
Keith MohlAvp Internal-$73,928$15,480$89,408
-Facility Director-$50,198$9,402$59,600
Mr Jerry GoldsteinSecretary/coPT$35,640-$35,640

Board Members and Trustees

NameTitle
Mr Robert W HaulBoard Chairm
Mr Robert L TaylorVice Chairma
Ben J HegvikBoard Member
Mr Gary RottlerBoard Member
Mr Larry MarkosBoard Member
Mr Marshall Watkins JrBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,985,212
Investment Income
$-96,291
Other Revenue
$69,765
Change in Net Assets
$1,528,020

Audited Revenue Reconciliation

Revenue per Audited Statements
$11,958,686
Total Revenue per Audited Statements
$11,958,686
Total Revenue per Form 990
$11,958,686
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,789,592
Salaries, Compensation, and Employee Benefits$3,620,249
Grants and Similar Amounts Paid$20,825
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,827,066
All Other Expenses---$998,984
Interest---$770,893
Information Technology---$539,303
Depreciation Depletion---$506,477
Other Employee Benefits---$370,290
Fees for Services Other---$336,709
Other Expenses---$310,732
Advertising---$238,468
Payroll Taxes---$227,007
Pension Plan Contributions---$195,886
Occupancy---$177,541
Office Expenses---$170,046
Insurance---$66,402
Grants to Domestic Individuals---$20,825
Fees for Services Accounting---$15,996
Travel---$3,696
Conferences and Meetings---$3,021
Fees for Services Legal---$1,510
Total Functional Expenses$0$0$0$10,430,666

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$10,430,666
Expenses per Audited Statements$10,369,116
Total Expenses per Audited Statements$10,369,116
Expenses Not Reported on Financial Statements$61,550
Other Expense Adjustments$61,550
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,710,928$1,863,551▲ $152,623
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$179,446,813
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
Yes
Business relationship with organization members
Yes
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Credit union that is member driven coop. Organized for the financial and lending needs of its members.”

Form 990, Page 6, Part VI, Line 7A

“An annual membership meeting is held in march, where elegible members have the right to nominate and vote on election of board members. Generally, two board members positions are voted on to serve a term of three years. There are presently 7 board members on the governing board.”

Form 990, Page 6, Part VI, Line 7B

“Any field of membership changes or additions and/or bylaw changes.”

Form 990, Page 6, Part VI, Line 11B

“The avp of accounting reviews form 990 with the ceo and vp of finance, before it is submitted to the irs. The ceo/vp of finance reviews a filed copy of form 990 with the chairman of the board after it is submitted. The ceo/vp of finance advises all of the board of directors that a hard copy of form 990 is available for their review - this is usually done at the first board meeting after it is filed. Our 2016 form 990 report is being made available electronically to all board of directors via a board intranet site.”

Form 990, Page 6, Part VI, Line 12C

“We have a written conflict of interest incorporated in our code of ethics & conduct which has to be signed by all employees at the time of employment. A separate agreement for board officials has to be signed at the time of board participation.”

Form 990, Page 6, Part VI, Line 15A

“Ceo base compensation is established by the executive committee of the board of directors and included in the ceo's written employment contract, utilizing most recent salary survey data from organizations of similar size and nature. Ceo incentives are also set by the board of directors and are based on ceo performance to predetermined organizational financial goals.”

Form 990, Page 6, Part VI, Line 15B

“Officer base compensation is established by the ceo and human resource vice president, utilizing most recent salary survey data from organizations of similar size and nature (exception - human resource vice president does not participate in setting his own salary). Officer incentives are also based on performance to predetermined organizational financial goals, subject to approval by the ceo and board of directors.”

Form 990, Page 6, Part VI, Line 19

“The missouri secretary of state's website makes our articles of incorporation and our bylaws available "to the public". Board members responsibilities and how they are elected are described on our public website. Copies of our financial statements are available upon request. At our annual membership meeting year ending reports are made by our chairman & ceo, treasurer and supervisory committee chairman, copies are available "to the public" at our branch offices after the annual meeting.”

Filing and Contact Details

Filer

Filer Name
Alliance Credit Union
EIN
43-0658202
Phone
6363437005
Address
1280 S HIGHWAY DRIVE, FENTON, MO 63026-1913

Signing Officer

Name
Timothy F Stephens
Title
President & CEO
Phone
6363437005
Signed
2017-06-15

Organization Details

Principal Officer
Timothy F Stephens
Formed
1948
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
6
Employees
95
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Our loan results for the year ending 2016 had a 3.53 million increase in net grant loans. We disbursed 5.03 million in grant loan funds.”

Form 990, Part XI, Line 9

“Book / tax depreciation difference 61,550 decr in unrealized gain on afsecurities 0 decr in unrealized gain on visa stk 0 total 61,550”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Credit union has escrow accounts for the payment of real estate taxes and home owner's insurance for mortgage loans originated by the credit union.”

Schedule D, Page 4, Part XII, Line 4B

“Book / tax depreciation difference 61,550”

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0-244975
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsPayableGrp/BOYAmt020825
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt020825
IRS990/GrantsToIndividualsInd0true
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt01108994
IRS990/GrossReceiptsAmt013389657
IRS990/GrossRentsGrp/RealAmt0146767
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
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IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
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IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0539303
IRS990/InsuranceGrp/TotalAmt066402
IRS990/InterestGrp/TotalAmt0770893
IRS990/InventoriesForSaleOrUseGrp/BOYAmt01300000
IRS990/InventoriesForSaleOrUseGrp/EOYAmt01108969
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0148684
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0148684
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IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt05096800
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt05121800
IRS990/InvestmentsPubTradedSecGrp/BOYAmt01491
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01226
IRS990/IRPDocumentCnt016
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03769104
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011054374
IRS990/LandBldgEquipBasisNetGrp/EOYAmt010791129
IRS990/LandBldgEquipCostOrOtherBssAmt014560233
IRS990/LegalDomicileStateCd0MO
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt01353969
IRS990/LessRentalExpensesGrp/RealAmt077002
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROVIDE COMPETIVE FINANCIAL SERVICES AND PRODUCTS THAT DELIVER VALUE AND ENRICH THE LIVES OF OUR MEMBERS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt021214087
IRS990/NetAssetsOrFundBalancesEOYAmt022742107
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-244975
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-244975
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt069765
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt069765
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0177541
IRS990/OfficeExpensesGrp/TotalAmt0170046
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08081199
IRS990/OtherAssetsTotalGrp/EOYAmt08433940
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0370290
IRS990/OtherExpensesGrp/Desc0INT. EXP PD TO MEMBERS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc2LOAN SERVIC N COLLECTION
IRS990/OtherExpensesGrp/Desc3DEBIT CARD EXPENSES
IRS990/OtherExpensesGrp/TotalAmt01150362
IRS990/OtherExpensesGrp/TotalAmt1990147
IRS990/OtherExpensesGrp/TotalAmt2509305
IRS990/OtherExpensesGrp/TotalAmt3310732
IRS990/OtherLiabilitiesGrp/BOYAmt0172023618
IRS990/OtherLiabilitiesGrp/EOYAmt0179446813
IRS990/OtherSalariesAndWagesGrp/TotalAmt02827066
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0190983137
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0206103213
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0227007
IRS990/PensionPlanContributionsGrp/TotalAmt0195886
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt06187395
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt06187395
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0456950
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0653092
IRS990/PrincipalOfficerNm0TIMOTHY F STEPHENS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0523920
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPER & NON OPER INCOME
IRS990/ProgramServiceRevenueGrp/Desc3ATM INC FOREIGN NON MEMBER
IRS990/ProgramServiceRevenueGrp/Desc4TREASURY GRANT REVENUE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08453101
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12979021
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2311537
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt320825
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08453101
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12979021
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2311537
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3199992
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt420825
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0199992
IRS990/ProgSrvcAccomActy2Grp/Desc0OUR DEPOSITS INCREASED FOR THE YEAR ENDING 2016 BY 7,592,000. WE ENDED THE YEAR AT 179.45 MILLION.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0840041
IRS990/ProgSrvcAccomActyOtherGrp/Desc0OUR LOAN RESULTS FOR THE YEAR ENDING 2016 HAD A 3.53 MILLION INCREASE IN NET GRANT LOANS. WE DISBURSED 5.03 MILLION IN GRANT LOAN FUNDS.
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt020825
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt020825
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0874500
IRS990/PYGrantsAndSimilarPaidAmt0369489
IRS990/PYInvestmentIncomeAmt0-4377
IRS990/PYOtherExpensesAmt06099262
IRS990/PYOtherRevenueAmt019638
IRS990/PYProgramServiceRevenueAmt011771134
IRS990/PYRevenuesLessExpensesAmt02417618
IRS990/PYSalariesCompEmpBnftPaidAmt03774526
IRS990/PYTotalExpensesAmt010243277
IRS990/PYTotalRevenueAmt012660895
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01710928
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01863551
IRS990/ReconcilationRevenueExpnssAmt01528020
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt069765
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01500000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01257234
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt06290378
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02226413
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08516791
IRS990ScheduleD/EndowmentsHeldRelatedOrgInd0false
IRS990ScheduleD/EndowmentsHeldUnrelatedOrgInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0432890
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0711170
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01144060
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt061550
IRS990ScheduleD/ExpensesSubtotalAmt010369116
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/LandGrp/BookValueAmt03780298
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03780298
IRS990ScheduleD/OtherExpensesNotIncludedAmt061550
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0287563
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0831521
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01119084
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0179446813
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/RevenueSubtotalAmt011958686
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0CREDIT UNION HAS ESCROW ACCOUNTS FOR THE PAYMENT OF REAL ESTATE TAXES AND HOME OWNER'S INSURANCE FOR MORTGAGE LOANS ORIGINATED BY THE CREDIT UNION.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1BOOK / TAX DEPRECIATION DIFFERENCE 61,550
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 4B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt010791129
IRS990ScheduleD/TotalExpensesPerForm990Amt010430666
IRS990ScheduleD/TotalLiabilityAmt0179446813
IRS990ScheduleD/TotalRevenuePerForm990Amt011958686
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt011958686
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt010369116
IRS990ScheduleI/GrantRecordsMaintainedInd0true
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt02327
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt118498
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0CAPIT TO MAKE GRANT LNS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt1PROV FOR LL GRANT LNS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt2EMPLOYEE TRAINING GRNT LN
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt3MARKETING GRNT LNS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt4COMMUN DEV ACROSS AMERICA
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt0417
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt1417
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt265
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt318130
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt418130
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0UNDER THIS PROGRAM, ALLIANCE WILL ANALYZE THOSE APPLICATIONS THAT DID NOT MEET ITS NORMAL LENDING GUIDELINES, AND CONSIDER THE APPLICATION UNDER THE SUBPRIME PROGRAM, AND ATTACH A HIGHER INTEREST RATE TO COMPENSATE FOR THE ADDITIONAL RISK AND COST OF THE LOAN PROTECTION. THIS WILL ENABLE ALLIANCE TO PROFITABLY EXTEND CREDIT TO LESS QUALIFIED MEMBERS WITH A REASONABLE PROFIT EXPECTATION, AND THEREBY SERVE A DISTRESSED PORTION OF THE MEMBERSHIP BASE. OFTEN, THESE APPLICATIONS ONLY FAIL TO MEET THE STANDARD HURDLES IN A SINGLE REGARD, AND MANY ARE OTHERWISE CLOSE TO BEING ACCEPTABLE. IN MANY INSTANCES, THESE BORROWERS ARE RECOVERING FROM PAST PROBLEMS SUCH AS JOB LOSS, DIVORCE, ETC., AND ARE NOW LIKELY TO PAY IN FULL ON NEW LOANS. THE DIFFERENTIATORS OF A SUBPRIME LOAN ARE: LOWER CREDIT QUALITY WITH RESULTANT HIGHER RISK OF LOSS HIGHER INTEREST RATE LIKELY HIGHER DELINQUENCY MORE COLLECTION EFFORT INVOLVED OVER THE LIFE OF THE LOAN BETTER EARNINGS ON THOSE SUBPRIME LOANS THAT DO NOT DEFAULT IF ALLIANCE DETERMINES THAT A CONSUMER LOAN APPLICATION DOES NOT MEET ITS INTERNAL CREDIT APPROVAL STANDARD, BUT IS REASONABLY CLOSE, IT WILL ANALYZE THE LOAN APPLICATION FOR THE SUBPRIME PROGRAM. 1. CONSUMER LOAN APPLICATIONS THAT DONT MEET ALLIANCES STANDARD LOAN CRITERIA, WILL BE REVIEWED FOR THE SUBPRIME PROGRAM. 2. IN MAKING THE DECISION, ALLIANCE WILL TAKE ALL FACTORS INTO CONSIDERATION INCLUDING INFORMATION ON THE CREDIT BUREAU, LENGTH OF EMPLOYMENT/RESIDENCE, DEBT TO INCOME RATIOS, ETC. 3. IF IT IS DECIDED TO APPROVE THE APPLICATION IN THE SUBPRIME PROGRAM, THE LOAN OFFICER WILL CONVERT THE LOAN TYPE TO NG FOR NEW CARS, VG FOR USED CARS, AND UG FOR UNSECURED REQUESTS, AND TRANSFER ALL DATA. THE LOAN OFFICER WILL RAISE THE INTEREST RATE TO THAT SPECIFIED ON THE LENDING RATE MATRIX. A SEPARATE PURPOSE CODE AND/OR LOAN TYPE WILL BE ASSIGNED TO THESE SUBPRIME AUTO LOANS. THE MEMBER/APPLICANT (OR DEALER) WILL THEN BE NOTIFIED OF THE LOAN APPROVAL, THE NEW TERMS, AND A CLOSING DATE/TIME SCHEDULED.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE I, PAGE 1, PART I, LINE 2
IRS990ScheduleI/Total501c3OrgCnt01
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0273846
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount024731
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt053174
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt08860
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TIMOTHY F STEPHENS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0360611
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/BusinessName/BusinessNameLine1Txt0ROTTLER PEST CONTROL
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0BOARD OF DIRECT
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0EXTERMINATOR SERVICE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0318903
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1199500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2187530
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3181299
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4167826
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5147039
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt6137672
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt7123725
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt878246
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt948354
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1033599
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1129684
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1225615
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1325316
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1421518
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1519018
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1616051
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1715213

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$237,725,123
Liabilities
$214,983,016
Net assets
$22,742,107
Revenue
$11,958,686
Expenses
$10,430,666
Net income
$1,528,020
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$375$332$42.9$22.3$19.8$2.54
2023Detailed filing. Detailed filing data is available for this year.$390$350$40.3$19.3$17.1$2.20
2021Detailed filing. Detailed filing data is available for this year.$375$340$35.1$16.4$13.7$2.70
2020Detailed filing. Detailed filing data is available for this year.$367$335$32.4$16.3$14.0$2.29
2019Detailed filing. Detailed filing data is available for this year.$312$282$29.8$17.4$14.9$2.48
2018Detailed filing. Detailed filing data is available for this year.$282$254$27.4$15.9$13.8$2.08
2017Detailed filing. Detailed filing data is available for this year.$262$236$25.3$13.8$12.0$1.74
2016Detailed filing. Detailed filing data is available for this year.$238$215$22.7$12.0$10.4$1.53
2015Detailed filing. Detailed filing data is available for this year.$222$201$21.2$11.8$10.2$1.54
2014Detailed filing. Detailed filing data is available for this year.$223$203$20.3$11.3$9.93$1.32
2013Detailed filing. Detailed filing data is available for this year.$213$196$17.3$9.49$8.36$1.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$197$181$16.0$8.27
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$183$168$15.0$8.59
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$177$162$14.7$9.10