Civic Intelligence

Alliance Credit Union

990 • Fiscal year 2020 • EIN 43-0658202

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 03, 2021

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

74th percentile

0.91x

Higher debt load relative to assets than 74% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

62nd percentile

20.58x

Higher debt load relative to revenue than 62% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Net Margin

64th percentile

14%

Higher net margin than 64% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

48th percentile

$420,419

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Asset Growth

52nd percentile

18%

Faster asset growth than 52% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Revenue Growth

22nd percentile

-6.3%

Faster revenue growth than 22% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$367,476,135

Up $55,492,977 (+18%) from 2019

Net Assets

Up

$32,384,275

Up $2,547,283 (+8.5%) from 2019

Liabilities

Up

$335,091,860

Up $52,945,694 (+19%) from 2019

Revenue And Expenses
Liabilities / Revenue62nd percentileNet Margin64th percentile

Revenue

Down

$16,286,305

Down $1,095,490 (-6.3%) from 2019

Expenses

Down

$13,991,660

Down $907,985 (-6.1%) from 2019

Net Income

Down

$2,294,645

Down $187,505 (-7.6%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth52nd 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

2020

Assets$367,476,135
Liabilities$335,091,860
Net Assets$32,384,275
Open 2020 Filing

Operations Trend

Revenue Growth22nd 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

2020

Revenue$16,286,305
Expenses$13,991,660
Net Income$2,294,645
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 3, 2021
Return Version
2020v4.0
Gross Receipts
$18,328,323
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$260,458,103$275,960,955▲ $15,502,852
Savings and Temporary Cash Investments$17,023,473$57,589,088▲ $40,565,615
Land, Buildings, and Equipment, Net$10,725,803$8,550,622▼ $2,175,181
Investments Other Securities$5,500,100$5,594,800▲ $94,700
Cash and Non-Interest-Bearing Accounts$2,931,073$4,838,606▲ $1,907,533
Receivables From Officers Etc$2,285,756$2,409,728▲ $123,972
Prepaid Expenses and Deferred Charges$1,087,344$364,526▼ $722,818
Inventories for Sale or Use$1$80,000▲ $79,999
Investments in Publicly Traded Securities$475$361▼ $114
Total Assets$311,983,158$367,476,135▲ $55,492,977
Other Assets Total$11,971,030$12,087,449▲ $116,419
Liabilities
Other Liabilities$233,662,151$290,830,970▲ $57,168,819
Unsecured Notes Loans Payable$42,062,800$40,420,800▼ $1,642,000
Accounts Payable and Accrued Expenses$5,547,311$3,465,227▼ $2,082,084
Grants Payable$516,827--
Escrow Account Liability$340,183$360,964▲ $20,781
Deferred Revenue$16,893$13,899▼ $2,994
Total Liabilities$282,146,165$335,091,860▲ $52,945,695
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$22,857,021$25,151,667▲ $2,294,646
Net Assets With Donor Restrictions$6,979,972$7,232,608▲ $252,636
Total Net Assets Fund Balance$29,836,993$32,384,275▲ $2,547,282
Total Liabilities and Net Assets / Fund Balance$311,983,158$367,476,135▲ $55,492,977

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,448,750$2,293,736$7,742,486
Land$2,312,852-$2,312,852
Equipment$500,188$788,145$1,288,333
Other Land Buildings$288,832$876,048$1,164,880
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Timothy F StephensPresident &FT$362,171$58,248$420,419
Timothy F StephensPresident & CEO-$308,420$111,999$420,419
Ken BellamyCFOFT$129,666$57,789$187,455
Sean ChambersChief OperatFT$143,127$38,969$182,096
Sean ChambersChief Operation Offi-$124,432$57,664$182,096
Frank EvansVP of HrFT$115,432$56,575$172,007
Mr Robert W HaulAvp of AccouFT$107,077$25,917$132,994

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$499,639
Program Service Revenue
$15,539,911
Investment Income
$271,598
Other Revenue
$-24,843
Change in Net Assets
$2,294,645

Audited Revenue Reconciliation

Revenue per Audited Statements
$16,286,305
Total Revenue per Audited Statements
$16,286,305
Total Revenue per Form 990
$16,286,305
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,402,346
Salaries, Compensation, and Employee Benefits$5,089,675
Grants and Similar Amounts Paid$499,639
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,056,119
Interest---$1,161,402
All Other Expenses---$793,620
Information Technology---$690,944
Grants to Domestic Individuals---$499,639
Depreciation Depletion---$476,771
Other Employee Benefits---$446,024
Advertising---$405,177
Fees for Services Other---$375,724
Pension Plan Contributions---$310,454
Payroll Taxes---$277,078
Occupancy---$251,445
Office Expenses---$193,636
Other Expenses---$183,509
Insurance---$51,547
Fees for Services Accounting---$24,996
Fees for Services Legal---$2,998
Conferences and Meetings---$2,618
Travel---$-500
Total Functional Expenses$0$0$0$13,991,660

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$13,991,660
Expenses per Audited Statements$13,982,113
Total Expenses per Audited Statements$13,982,113
Expenses Not Reported on Financial Statements$9,547
Other Expense Adjustments$9,547
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$2,285,756$2,409,728▲ $123,972
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$290,830,970
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 2020 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 end 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
2021-11-03

Organization Details

Principal Officer
Timothy F Stephens
Formed
1948
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
106
Supplemental Narrative

Additional Explanations

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

“Our loan results for the year ending 2020 had a 0.363 million decrease in net grant loans. We disbursed 1.51 million in grant loan funds.”

Form 990, Part XI, Line 9

“Equity acquired in merger 252,637 decr in unrealized gain on visa stk 0 total 252,637”

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 9,547”

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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/GoverningBodyVotingMembersCnt07
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IRS990/GrantAmt013000
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IRS990/GrantsToIndividualsInd0true
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
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IRS990/GrossReceiptsAmt018328323
IRS990/GrossRentsGrp/RealAmt027433
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IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0690944
IRS990/InsuranceGrp/TotalAmt051547
IRS990/InterestGrp/TotalAmt01161402
IRS990/InventoriesForSaleOrUseGrp/BOYAmt01
IRS990/InventoriesForSaleOrUseGrp/EOYAmt080000
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0259444
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0259444
IRS990/InvestmentInJointVentureInd0false
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt05594800
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0475
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0361
IRS990/IRPDocumentCnt074
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03957929
IRS990/LandBldgEquipBasisNetGrp/BOYAmt010725803
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08550622
IRS990/LandBldgEquipCostOrOtherBssAmt012508551
IRS990/LegalDomicileStateCd0MO
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt01989742
IRS990/LessRentalExpensesGrp/RealAmt052276
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
IRS990/NetAssetsOrFundBalancesBOYAmt029836993
IRS990/NetAssetsOrFundBalancesEOYAmt032384275
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt012154
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt012154
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-24843
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt0-24843
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt022857021
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt025151667
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0251445
IRS990/OfficeExpensesGrp/TotalAmt0193636
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt011971030
IRS990/OtherAssetsTotalGrp/EOYAmt012087449
IRS990/OtherChangesInNetAssetsAmt0252637
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0446024
IRS990/OtherExpensesGrp/Desc0INT. EXP PD TO MEMBERS
IRS990/OtherExpensesGrp/Desc1DEBIT CARD EXPENSES
IRS990/OtherExpensesGrp/Desc2LOAN SERVIC N COLLECTION
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/TotalAmt02687751
IRS990/OtherExpensesGrp/TotalAmt1644098
IRS990/OtherExpensesGrp/TotalAmt2456610
IRS990/OtherExpensesGrp/TotalAmt3183509
IRS990/OtherLiabilitiesGrp/BOYAmt0233662151
IRS990/OtherLiabilitiesGrp/EOYAmt0290830970
IRS990/OtherSalariesAndWagesGrp/TotalAmt04056119
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0260458103
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0275960955
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0277078
IRS990/PensionPlanContributionsGrp/TotalAmt0310454
IRS990/PoliciesReferenceChaptersInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01087344
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0364526
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
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012013947
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13256200
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2129349
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012013947
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13256200
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2129349
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3110615
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt429800
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0110615
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt129800
IRS990/ProgSrvcAccomActy2Grp/Desc0OUR DEPOSITS INCREASED FOR THE YEAR ENDING 2020 BY 57,169,000
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt01280349
IRS990/ProgSrvcAccomActyOtherGrp/Desc0OUR LOAN RESULTS FOR THE YEAR ENDING 2020 HAD A 0.363 MILLION DECREASE IN NET GRANT LOANS. WE DISBURSED 1.51 MILLION IN GRANT LOAN FUNDS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0199877
IRS990/PYGrantsAndSimilarPaidAmt0199877
IRS990/PYInvestmentIncomeAmt01107632
IRS990/PYOtherExpensesAmt09967505
IRS990/PYOtherRevenueAmt0-46508
IRS990/PYProgramServiceRevenueAmt016120794
IRS990/PYRevenuesLessExpensesAmt02482150
IRS990/PYSalariesCompEmpBnftPaidAmt04732263
IRS990/PYTotalExpensesAmt014899645
IRS990/PYTotalRevenueAmt017381795
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt02285756
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt02409728
IRS990/ReconcilationRevenueExpnssAmt02294645
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt0-24843
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt017023473
IRS990/SavingsAndTempCashInvstGrp/EOYAmt057589088
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt05448750
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02293736
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07742486
IRS990ScheduleD/EquipmentGrp/BookValueAmt0500188
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0788145
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01288333
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt09547
IRS990ScheduleD/ExpensesSubtotalAmt013982113
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/LandGrp/BookValueAmt02312852
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02312852
IRS990ScheduleD/OtherExpensesNotIncludedAmt09547
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0288832
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0876048
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01164880
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0290830970
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/RevenueSubtotalAmt016286305
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 9,547
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 4B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08550622
IRS990ScheduleD/TotalExpensesPerForm990Amt013991660
IRS990ScheduleD/TotalLiabilityAmt0290830970
IRS990ScheduleD/TotalRevenuePerForm990Amt016286305
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt016286305
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt013982113
IRS990ScheduleI/GrantRecordsMaintainedInd0true
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt0499639
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/RecipientCnt0107
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/BaseCompensationFilingOrgAmt0308420
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1129666
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2124432
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3115432
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount048461
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount116811
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount216913
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount316050
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt039000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt130888
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt232494
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt329715
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt019248
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt16472
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt26475
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt36443
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt05290
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt13618
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt21782
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt34367
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/TitleTxt2CHIEF OPERATION OFFI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3VP OF HR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0420419
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1187455
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2182096
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3172007
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/BalanceDueAmt0355507
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1239215

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$367,476,135
Liabilities
$335,091,860
Net assets
$32,384,275
Revenue
$16,286,305
Expenses
$13,991,660
Net income
$2,294,645
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