Civic Intelligence

Alliance Credit Union

990 • Fiscal year 2018 • EIN 43-0658202

Jan 01, 2018 to Dec 31, 2018 • Filed on May 07, 2019

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

70th percentile

0.90x

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

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

40th percentile

16.02x

Higher debt load relative to revenue than 40% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

42nd percentile

13%

Higher net margin than 42% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

45th percentile

$387,675

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

78th percentile

7.7%

Faster asset growth than 78% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

76th percentile

15%

Faster revenue growth than 76% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets70th percentile

Assets

Up

$281,853,804

Up $20,113,039 (+7.7%) from 2017

Net Assets

Up

$27,354,842

Up $2,081,132 (+8.2%) from 2017

Liabilities

Up

$254,498,962

Up $18,031,907 (+7.6%) from 2017

Revenue And Expenses
Liabilities / Revenue40th percentileNet Margin42nd percentile

Revenue

Up

$15,884,023

Up $2,100,505 (+15%) from 2017

Expenses

Up

$13,802,892

Up $1,758,399 (+15%) from 2017

Net Income

Up

$2,081,131

Up $342,106 (+20%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth78th 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

2018

Assets$281,853,804
Liabilities$254,498,962
Net Assets$27,354,842
Open 2018 Filing

Operations Trend

Revenue Growth76th 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

2018

Revenue$15,884,023
Expenses$13,802,892
Net Income$2,081,131
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 7, 2019
Return Version
2018v3.1
Gross Receipts
$18,424,465
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$222,424,733$240,651,760▲ $18,227,027
Land, Buildings, and Equipment, Net$11,078,771$9,961,729▼ $1,117,042
Savings and Temporary Cash Investments$4,237,157$7,448,031▲ $3,210,874
Investments Other Securities$6,872,500$6,530,100▼ $342,400
Cash and Non-Interest-Bearing Accounts$3,020,427$2,435,078▼ $585,349
Receivables From Officers Etc$1,787,967$1,641,401▼ $146,566
Prepaid Expenses and Deferred Charges$1,020,241$1,122,714▲ $102,473
Inventories for Sale or Use$1,075,000$1,065,000▼ $10,000
Investments in Publicly Traded Securities$1,052$730▼ $322
Total Assets$261,740,765$281,853,804▲ $20,113,039
Other Assets Total$10,222,917$10,997,261▲ $774,344
Liabilities
Other Liabilities$205,769,888$211,330,072▲ $5,560,184
Unsecured Notes Loans Payable$26,480,300$38,583,300▲ $12,103,000
Accounts Payable and Accrued Expenses$3,960,389$3,546,150▼ $414,239
Grants Payable-$713,947-
Escrow Account Liability$244,069$317,447▲ $73,378
Deferred Revenue$12,409$8,046▼ $4,363
Total Liabilities$236,467,055$254,498,962▲ $18,031,907
Net Assets / Fund Balance
Unrestricted Net Assets$18,293,738$20,374,870▲ $2,081,132
Permanently Rstr Net Assets$6,979,972$6,979,972→ $0
Total Net Assets Fund Balance$25,273,710$27,354,842▲ $2,081,132
Total Liabilities and Net Assets / Fund Balance$261,740,765$281,853,804▲ $20,113,039

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,756,743$2,494,161$8,250,904
Land$3,507,006-$3,507,006
Other Land Buildings$223,507$854,491$1,077,998
Equipment$474,473$538,014$1,012,487
Compensation and Service Providers
Top Officer Pay45th percentile

Employees

NameTitleBaseOtherTotal
Timothy F StephensPresident &$321,296$66,379$387,675
Timothy F StephensPresident & CEO$247,547$140,128$387,675
Ken BellamyCFO$105,438$61,553$166,991
Sean ChambersVP of Operat$131,573$34,562$166,135
Sean ChambersVP of Operations$105,438$60,697$166,135
Frank EvansVP of Hr$102,324$60,440$162,764
Debbie SmithAvp of Accou$95,953$28,013$123,966
-Avp Internal$89,834$18,279$108,113

Board Members and Trustees

NameTitle
Mr Robert W HaulBoard Chairm
Ben J HegvikVice Chairma
Mr Gary RottlerBoard Member
Mr Marshall Watkins JrBoard Member
Mr Robert L TaylorBoard Member
Mr William F MolstadBoard Member
Ms Jennifer Wiscons MillerBoard Member
Mr Larry MarkosSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$109,057
Program Service Revenue
$15,527,237
Investment Income
$205,170
Other Revenue
$42,559
Change in Net Assets
$2,081,131

Audited Revenue Reconciliation

Revenue per Audited Statements
$15,884,023
Total Revenue per Audited Statements
$15,884,023
Total Revenue per Form 990
$15,884,023
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,921,033
Salaries, Compensation, and Employee Benefits$4,772,802
Grants and Similar Amounts Paid$109,057
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,807,595
All Other Expenses---$1,138,223
Interest---$972,068
Information Technology---$663,263
Depreciation Depletion---$554,655
Other Expenses---$456,806
Other Employee Benefits---$404,693
Fees for Services Other---$328,815
Advertising---$328,312
Payroll Taxes---$301,413
Pension Plan Contributions---$259,101
Occupancy---$194,650
Office Expenses---$186,693
Grants to Domestic Individuals---$109,057
Insurance---$50,607
Fees for Services Accounting---$18,750
Fees for Services Legal---$7,401
Conferences and Meetings---$6,143
Travel---$2,896
Total Functional Expenses$0$0$0$13,802,892

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$13,802,892
Expenses per Audited Statements$13,767,385
Total Expenses per Audited Statements$13,767,385
Expenses Not Reported on Financial Statements$35,507
Other Expense Adjustments$35,507
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$1,787,967$1,641,401▼ $146,566
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$211,330,072
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 10B

“All branches are subject to the same policies and procedures as mentioned in this document.”

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

“The avp of accounting reviews form 990 with the cfo, before it is submitted to the irs. The cfo reviews a filed copy of form 990 with the chairman of the board after it is submitted. The cfo 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 2018 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
2019-05-07

Organization Details

Principal Officer
Timothy F Stephens
Formed
1948
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
99
Supplemental Narrative

Additional Explanations

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

“Our loan results for the year ending 2018 had a 0.81 million decrease in net grant loans. We disbursed 1.43 million in grant loan funds.”

Form 990, Part XI, Line 9

“Rounding of undivided earnings 1 decr in unrealized gain on visa stk 0 total 1”

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 35,507”

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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/InsuranceGrp/TotalAmt050607
IRS990/InterestGrp/TotalAmt0972068
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IRS990/OfficeExpensesGrp/TotalAmt0186693
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IRS990/OperateHospitalInd0false
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IRS990/OtherAssetsTotalGrp/EOYAmt010997261
IRS990/OtherChangesInNetAssetsAmt01
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IRS990/OtherExpensesGrp/Desc0INT. EXP PD TO MEMBERS
IRS990/OtherExpensesGrp/Desc1LOAN SERVIC N COLLECTION
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc3DEBIT CARD EXPENSES
IRS990/OtherExpensesGrp/TotalAmt01893969
IRS990/OtherExpensesGrp/TotalAmt11080684
IRS990/OtherExpensesGrp/TotalAmt21037098
IRS990/OtherExpensesGrp/TotalAmt3456806
IRS990/OtherLiabilitiesGrp/BOYAmt0205769888
IRS990/OtherLiabilitiesGrp/EOYAmt0211330072
IRS990/OtherSalariesAndWagesGrp/TotalAmt03807595
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IRS990/PensionPlanContributionsGrp/TotalAmt0259101
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt06979972
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt06979972
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IRS990/PoliticalCampaignActyInd0false
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01122714
IRS990/PrincipalOfficerNm0TIMOTHY F STEPHENS
IRS990/ProfessionalFundraisingInd0false
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IRS990/ProgramServiceRevenueGrp/BusinessCd1523920
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/Desc4LINCOLN INVESTM LEASE/SPRINT
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt010516599
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13941340
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2824401
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt010516599
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13941340
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2824401
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3219118
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt425779
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0219118
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt125779
IRS990/ProgSrvcAccomActy2Grp/Desc0OUR DEPOSITS INCREASED FOR THE YEAR ENDING 2018 BY 5,634,000. WE ENDED THE YEAR AT 211.65 MILLION.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0898611
IRS990/ProgSrvcAccomActyOtherGrp/Desc0OUR LOAN RESULTS FOR THE YEAR ENDING 2018 HAD A 0.81 MILLION DECREASE IN NET GRANT LOANS. WE DISBURSED 1.43 MILLION IN GRANT LOAN FUNDS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt020825
IRS990/PYInvestmentIncomeAmt070426
IRS990/PYOtherExpensesAmt07605379
IRS990/PYOtherRevenueAmt0103757
IRS990/PYProgramServiceRevenueAmt013609335
IRS990/PYRevenuesLessExpensesAmt01718200
IRS990/PYSalariesCompEmpBnftPaidAmt04439114
IRS990/PYTotalExpensesAmt012065318
IRS990/PYTotalRevenueAmt013783518
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01787967
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01641401
IRS990/ReconcilationRevenueExpnssAmt02081131
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt042559
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt015527237
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04237157
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07448031
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt05756743
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02494161
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08250904
IRS990ScheduleD/EquipmentGrp/BookValueAmt0474473
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0538014
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01012487
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt035507
IRS990ScheduleD/ExpensesSubtotalAmt013767385
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/LandGrp/BookValueAmt03507006
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03507006
IRS990ScheduleD/OtherExpensesNotIncludedAmt035507
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0223507
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0854491
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01077998
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0211330072
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/RevenueSubtotalAmt015884023
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 35,507
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 4B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09961729
IRS990ScheduleD/TotalExpensesPerForm990Amt013802892
IRS990ScheduleD/TotalLiabilityAmt0211330072
IRS990ScheduleD/TotalRevenuePerForm990Amt015884023
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt015884023
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt013767385
IRS990ScheduleI/GrantRecordsMaintainedInd0true
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt0109057
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0PROV FOR LL GRANT LNS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt1EMPLOYEE TRAINING GRNT LN
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt2MARKETING GRNT LNS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt3COMMUN DEV ACROSS AMERICA
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt4CAPIT TO MAKE GRANT LNS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt079
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
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IRS990ScheduleJ/ClubDuesOrFeesInd0X
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IRS990ScheduleJ/CompensationSurveyInd0X
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2105438
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3102324
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount068459
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount127221
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount226135
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount327035
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt038933
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt127326
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt227579
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt327143
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt17006
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt26983
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt36262
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt05290
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TIMOTHY F STEPHENS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1KEN BELLAMY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2SEAN CHAMBERS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3FRANK EVANS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2VP OF OPERATIONS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3VP OF HR
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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
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1192881
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2178679
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3171300
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4156665
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5141610
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt6114983

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$281,853,804
Liabilities
$254,498,962
Net assets
$27,354,842
Revenue
$15,884,023
Expenses
$13,802,892
Net income
$2,081,131
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