Civic Intelligence

Alliance Credit Union

990 • Fiscal year 2019 • EIN 43-0658202

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 09, 2020

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

77th percentile

0.90x

Higher debt load relative to assets than 77% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

50th percentile

16.23x

Higher debt load relative to revenue than 50% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

53rd percentile

14%

Higher net margin than 53% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

42nd percentile

$395,830

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

82nd percentile

11%

Faster asset growth than 82% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

51st percentile

9.4%

Faster revenue growth than 51% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets77th percentile

Assets

Up

$311,983,158

Up $30,129,354 (+11%) from 2018

Net Assets

Up

$29,836,992

Up $2,482,150 (+9.1%) from 2018

Liabilities

Up

$282,146,166

Up $27,647,204 (+11%) from 2018

Revenue And Expenses
Liabilities / Revenue50th percentileNet Margin53rd percentile

Revenue

Up

$17,381,795

Up $1,497,772 (+9.4%) from 2018

Expenses

Up

$14,899,645

Up $1,096,753 (+7.9%) from 2018

Net Income

Up

$2,482,150

Up $401,019 (+19%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth82nd 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

2019

Assets$311,983,158
Liabilities$282,146,166
Net Assets$29,836,992
Open 2019 Filing

Operations Trend

Revenue Growth51st 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

2019

Revenue$17,381,795
Expenses$14,899,645
Net Income$2,482,150
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 9, 2020
Return Version
2019v5.0
Gross Receipts
$18,666,866
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$240,651,760$260,458,103▲ $19,806,343
Savings and Temporary Cash Investments$7,448,031$17,023,473▲ $9,575,442
Land, Buildings, and Equipment, Net$9,961,729$10,725,803▲ $764,074
Investments Other Securities$6,530,100$5,500,100▼ $1,030,000
Cash and Non-Interest-Bearing Accounts$2,435,078$2,931,073▲ $495,995
Receivables From Officers Etc$1,641,401$2,285,756▲ $644,355
Prepaid Expenses and Deferred Charges$1,122,714$1,087,344▼ $35,370
Investments in Publicly Traded Securities$730$475▼ $255
Inventories for Sale or Use$1,065,000$1▼ $1,064,999
Total Assets$281,853,804$311,983,158▲ $30,129,354
Other Assets Total$10,997,261$11,971,030▲ $973,769
Liabilities
Other Liabilities$211,330,072$233,662,151▲ $22,332,079
Unsecured Notes Loans Payable$38,583,300$42,062,800▲ $3,479,500
Accounts Payable and Accrued Expenses$3,546,150$5,547,312▲ $2,001,162
Grants Payable$713,947$516,827▼ $197,120
Escrow Account Liability$317,447$340,183▲ $22,736
Deferred Revenue$8,046$16,893▲ $8,847
Total Liabilities$254,498,962$282,146,166▲ $27,647,204
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$20,374,870$22,857,020▲ $2,482,150
Net Assets With Donor Restrictions$6,979,972$6,979,972→ $0
Total Net Assets Fund Balance$27,354,842$29,836,992▲ $2,482,150
Total Liabilities and Net Assets / Fund Balance$281,853,804$311,983,158▲ $30,129,354

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,319,522$2,405,575$8,725,097
Land$3,504,657-$3,504,657
Equipment$621,587$655,886$1,277,473
Other Land Buildings$280,037$775,820$1,055,857
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Timothy F StephensPresident &FT$340,443$55,387$395,830
Timothy F StephensPresident & CEO-$261,308$134,522$395,830
Ken BellamyCFOFT$112,996$71,539$184,535
Sean ChambersVP of OperatFT$145,107$37,179$182,286
Sean ChambersVP of Operations-$113,528$68,758$182,286
Frank EvansVP of HrFT$107,385$71,020$178,405
Mr Robert W HaulAvp of AccouFT$107,280$21,271$128,551

Board Members and Trustees

NameTitle
Ben J HegvikBoard Chairm
Mr Marshall Watkins JrVice Chairma
-Assoc. Board
Mr Gary RottlerBoard Member
Mr Larry MarkosBoard Member
Mr Robert L TaylorBoard Member
Mr William F MolstadBoard Member
Ms Jennifer Wiscons MillerSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$199,877
Program Service Revenue
$16,120,794
Investment Income
$1,107,632
Other Revenue
$-46,508
Change in Net Assets
$2,482,150

Audited Revenue Reconciliation

Revenue per Audited Statements
$17,381,795
Total Revenue per Audited Statements
$17,381,795
Total Revenue per Form 990
$17,381,795
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,967,505
Salaries, Compensation, and Employee Benefits$4,732,263
Grants and Similar Amounts Paid$199,877
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,731,565
Interest---$1,304,278
All Other Expenses---$1,197,376
Information Technology---$680,849
Depreciation Depletion---$614,869
Other Expenses---$552,484
Fees for Services Other---$433,218
Other Employee Benefits---$433,187
Advertising---$373,457
Payroll Taxes---$285,570
Pension Plan Contributions---$281,941
Occupancy---$223,088
Office Expenses---$210,334
Grants to Domestic Individuals---$199,877
Insurance---$51,546
Fees for Services Accounting---$20,100
Fees for Services Legal---$13,205
Conferences and Meetings---$6,104
Travel---$1,625
Total Functional Expenses$0$0$0$14,899,645

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$14,899,645
Expenses per Audited Statements$14,876,177
Total Expenses per Audited Statements$14,876,177
Expenses Not Reported on Financial Statements$23,468
Other Expense Adjustments$23,468
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$1,641,401$2,285,756▲ $644,355
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$233,662,151
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 35% controlled entity
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 2019 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
2020-11-09

Organization Details

Principal Officer
Timothy F Stephens
Formed
1948
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
96
Supplemental Narrative

Additional Explanations

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

“Our loan results for the year ending 2019 had a 0.447 million decrease in net grant loans. We disbursed 1.58 million in grant loan funds.”

Form 990, Part XI, Line 9

“Book / tax depreciation difference 23,468 decr in unrealized gain on visa stk 0 total 23,468”

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 23,468”

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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/GrossAmountSalesAssetsGrp/SecuritiesAmt0897111
IRS990/GrossReceiptsAmt018666866
IRS990/GrossRentsGrp/RealAmt073340
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IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0680849
IRS990/InsuranceGrp/TotalAmt051546
IRS990/InterestGrp/TotalAmt01304278
IRS990/InventoriesForSaleOrUseGrp/BOYAmt01065000
IRS990/InventoriesForSaleOrUseGrp/EOYAmt01
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0480244
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0480244
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt05500100
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt010725803
IRS990/LandBldgEquipCostOrOtherBssAmt014563084
IRS990/LegalDomicileStateCd0MO
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IRS990/LessRentalExpensesGrp/RealAmt0119848
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0true
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.
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetAssetsOrFundBalancesEOYAmt029836992
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0627388
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0627388
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-46508
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt0-46508
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt020374870
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt022857020
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0223088
IRS990/OfficeExpensesGrp/TotalAmt0210334
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt010997261
IRS990/OtherAssetsTotalGrp/EOYAmt011971030
IRS990/OtherChangesInNetAssetsAmt023468
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0433187
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/TotalAmt02600416
IRS990/OtherExpensesGrp/TotalAmt11011185
IRS990/OtherExpensesGrp/TotalAmt2673371
IRS990/OtherExpensesGrp/TotalAmt3552484
IRS990/OtherLiabilitiesGrp/BOYAmt0211330072
IRS990/OtherLiabilitiesGrp/EOYAmt0233662151
IRS990/OtherSalariesAndWagesGrp/TotalAmt03731565
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0240651760
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0260458103
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0285570
IRS990/PensionPlanContributionsGrp/TotalAmt0281941
IRS990/PoliciesReferenceChaptersInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01122714
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01087344
IRS990/PrincipalOfficerNm0TIMOTHY F STEPHENS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0523920
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/RelatedOrExemptFuncIncomeAmt011718870
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13828187
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2374894
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011718870
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13828187
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2374894
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3171482
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt427361
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0171482
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt127361
IRS990/ProgSrvcAccomActy2Grp/Desc0OUR DEPOSITS INCREASED FOR THE YEAR ENDING 2019 BY 22,332,000. WE ENDED THE YEAR AT 233.66 MILLION.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt01193006
IRS990/ProgSrvcAccomActyOtherGrp/Desc0OUR LOAN RESULTS FOR THE YEAR ENDING 2019 HAD A 0.447 MILLION DECREASE IN NET GRANT LOANS. WE DISBURSED 1.58 MILLION IN GRANT LOAN FUNDS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0109057
IRS990/PYGrantsAndSimilarPaidAmt0109057
IRS990/PYInvestmentIncomeAmt0205170
IRS990/PYOtherExpensesAmt08921033
IRS990/PYOtherRevenueAmt042559
IRS990/PYProgramServiceRevenueAmt015527237
IRS990/PYRevenuesLessExpensesAmt02081131
IRS990/PYSalariesCompEmpBnftPaidAmt04772802
IRS990/PYTotalExpensesAmt013802892
IRS990/PYTotalRevenueAmt015884023
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01641401
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt02285756
IRS990/ReconcilationRevenueExpnssAmt02482150
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt0-46508
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07448031
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017023473
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt06319522
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02405575
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08725097
IRS990ScheduleD/EquipmentGrp/BookValueAmt0621587
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0655886
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01277473
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt023468
IRS990ScheduleD/ExpensesSubtotalAmt014876177
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/LandGrp/BookValueAmt03504657
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03504657
IRS990ScheduleD/OtherExpensesNotIncludedAmt023468
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0280037
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0775820
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01055857
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0233662151
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/RevenueSubtotalAmt017381795
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 23,468
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 4B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt010725803
IRS990ScheduleD/TotalExpensesPerForm990Amt014899645
IRS990ScheduleD/TotalLiabilityAmt0233662151
IRS990ScheduleD/TotalRevenuePerForm990Amt017381795
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt017381795
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt014876177
IRS990ScheduleI/GrantRecordsMaintainedInd0true
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt0199877
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0PROV FOR LL GRANT LNS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt1MARKETING GRNT LNS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt2COMMUN DEV ACROSS AMERICA
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt3CAPIT TO MAKE GRANT LNS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt0121
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. 4. 1ST TIME HOME BUYER'S DOWN PAYMENT ASSISTANCE PROGRAM. QUALIFIED APPLICANTS UPON APPROVAL CAN GET DOWNPAYMENT ASSISTANCE UP TO 10% OF SALES PRICE OF 1ST HOME PURCHASE.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE I, PAGE 1, PART I, LINE 2
IRS990ScheduleI/Total501c3OrgCnt01
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0261308
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1112996
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2113528
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3107385
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount074535
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount132608
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount229483
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount331563
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt038000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt130821
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt230629
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt330370
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt017387
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt16014
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt26550
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt35966
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt04600
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt12096
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt22096
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt33121
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
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0395830
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1184535
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2182286
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3178405
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/BalanceDueAmt0257785

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$311,983,158
Liabilities
$282,146,166
Net assets
$29,836,992
Revenue
$17,381,795
Expenses
$14,899,645
Net income
$2,482,150
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