Civic Intelligence

Telcomm Credit Union

EIN 44-0538278 • 501(c)14 • Springfield, MO

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Profile

As a member owned cooperative, this credit union is dedicated to providing high quality financial services to the members, remaining responsive to member needs and goals, and pursuing the philosophy of "people helping people" within the constraints of sound business practices.

2155 E SunshineSpringfield, MO 65804

www.telcommcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

25th percentile

0.88x

Higher debt load relative to assets than 25% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

24th percentile

12.93x

Higher debt load relative to revenue than 24% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

53rd percentile

9.6%

Higher net margin than 53% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

16th percentile

$293,400

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

55th percentile

3.1%

Faster asset growth than 55% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

76th percentile

19%

Faster revenue growth than 76% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets25th percentile

Assets

Up

$308,222,357

Up $34,259,115 (+13%) from 2022

Liabilities

Up

$270,236,605

Up $28,658,864 (+12%) from 2022

Net Assets

Up

$37,985,752

Up $5,600,251 (+17%) from 2022

Operations
Liabilities / Revenue24th percentileNet Margin53rd percentile

Revenue

Up

$20,898,720

Up $7,335,456 (+54%) from 2022

Expenses

Up

$18,898,035

Up $8,541,469 (+82%) from 2022

Net Income

Down

$2,000,685

Down $1,206,013 (-38%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth55th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$400M$300M$200M$100M$0Assets 2012: $115,129,764Liabilities 2012: $99,402,636Net Assets 2012: $15,727,1282012Assets 2013: $123,123,841Liabilities 2013: $106,529,091Net Assets 2013: $16,594,7502013Assets 2014: $129,041,823Liabilities 2014: $111,348,251Net Assets 2014: $17,693,5722014Assets 2015: $136,148,516Liabilities 2015: $117,512,742Net Assets 2015: $18,635,7742015Assets 2016: $143,508,635Liabilities 2016: $124,484,891Net Assets 2016: $19,023,7442016Assets 2017: $151,175,034Liabilities 2017: $130,350,998Net Assets 2017: $20,824,0362017Assets 2019: $178,949,811Liabilities 2019: $151,371,459Net Assets 2019: $27,578,3522019Assets 2020: $220,804,918Liabilities 2020: $189,054,866Net Assets 2020: $31,750,0522020Assets 2021: $246,500,693Liabilities 2021: $211,828,186Net Assets 2021: $34,672,5072021Assets 2022: $273,963,242Liabilities 2022: $241,577,741Net Assets 2022: $32,385,5012022Assets 2024: $308,222,357Liabilities 2024: $270,236,605Net Assets 2024: $37,985,7522024

Highlighted filing

2024

Assets$308,222,357
Liabilities$270,236,605
Net Assets$37,985,752
Open 2024 Filing

Operations Trend

Revenue Growth76th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0Expenses 2012: $4,521,6312012Revenue 2013: $5,459,242Expenses 2013: $4,591,620Net Income 2013: $867,6222013Revenue 2014: $5,451,406Expenses 2014: $4,352,584Net Income 2014: $1,098,8222014Revenue 2015: $5,655,440Expenses 2015: $4,643,634Net Income 2015: $1,011,8062015Revenue 2016: $6,174,221Expenses 2016: $4,790,373Net Income 2016: $1,383,8482016Revenue 2017: $6,820,371Expenses 2017: $5,128,582Net Income 2017: $1,691,7892017Revenue 2019: $9,697,193Expenses 2019: $6,693,451Net Income 2019: $3,003,7422019Revenue 2020: $10,586,724Expenses 2020: $7,405,624Net Income 2020: $3,181,1002020Revenue 2021: $11,784,630Expenses 2021: $8,000,578Net Income 2021: $3,784,0522021Revenue 2022: $13,563,264Expenses 2022: $10,356,566Net Income 2022: $3,206,6982022Revenue 2024: $20,898,720Expenses 2024: $18,898,035Net Income 2024: $2,000,6852024

Highlighted filing

2024

Revenue$20,898,720
Expenses$18,898,035
Net Income$2,000,685
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$308,222,357
Liabilities
$270,236,605
Net assets
$37,985,752
Revenue
$20,898,720
Expenses
$18,898,035
Net income
$2,000,685
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$308$270$38.0$20.9$18.9$2.00
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$274$242$32.4$13.6$10.4$3.21
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$247$212$34.7$11.8$8.00$3.78
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$221$189$31.8$10.6$7.41$3.18
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$179$151$27.6$9.70$6.69$3.00
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$151$130$20.8$6.82$5.13$1.69
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$144$124$19.0$6.17$4.79$1.38
2015Detailed filing. Detailed filing data is available for this year.$136$118$18.6$5.66$4.64$1.01
2014Detailed filing. Detailed filing data is available for this year.$129$111$17.7$5.45$4.35$1.10
2013Detailed filing. Detailed filing data is available for this year.$123$107$16.6$5.46$4.59$0.87
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$115$99.4$15.7$4.52
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 15, 2023
Return Version
2022v5.0
Gross Receipts
$13,563,264
Mission and Program Overview

Mission

As a member owned cooperative, this credit union is dedicated to providing high quality financial services to the members, remaining responsive to member needs and goals, and pursuing the philosophy of "people helping people" within the constraints of sound business practices.

Member owned cooperative dedicated to providing high quality financial services to its members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$161,127,161$193,981,184▲ $32,854,023
Investments in Publicly Traded Securities$55,502,587$46,739,142▼ $8,763,445
Rtn Earn Endowment Incm Other Fnds$34,672,507$32,385,501▼ $2,287,006
Savings and Temporary Cash Investments$5,732,436$10,448,175▲ $4,715,739
Land, Buildings, and Equipment, Net$5,912,407$5,857,115▼ $55,292
Investments Other Securities$5,078,000$2,739,000▼ $2,339,000
Cash and Non-Interest-Bearing Accounts$2,038,520$2,260,617▲ $222,097
Investments Program Related$1,976,141$2,145,955▲ $169,814
Prepaid Expenses and Deferred Charges$289,094$426,886▲ $137,792
Total Assets$246,500,693$273,963,242▲ $27,462,549
Other Assets Total$8,844,347$9,365,168▲ $520,821
Liabilities
Other Liabilities$211,185,810$238,674,463▲ $27,488,653
Accounts Payable and Accrued Expenses$642,376$2,903,278▲ $2,260,902
Total Liabilities$211,828,186$241,577,741▲ $29,749,555
Net Assets / Fund Balance
Total Net Assets Fund Balance$34,672,507$32,385,501▼ $2,287,006
Total Liabilities and Net Assets / Fund Balance$246,500,693$273,963,242▲ $27,462,549

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,122,648$2,907,311$6,029,959
Equipment$694,429$2,389,904$3,084,333
Land$1,846,773-$1,846,773
Other Land Buildings$193,265-$193,265
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jessica ShorneyPresident/ceFT$243,753$28,108$271,861
Jessica ShorneyPresident/CEO-$225,753$46,108$271,861
Chris GlennChief LendinFT$116,786$14,581$131,367
Beth HylskyCFOFT$125,089$2,954$128,043
Timothy HarrisEmployeeFT$112,371$11,701$124,072
Lori Johnson-murawaskiEmployeeFT$104,415$11,480$115,895

Board Members and Trustees

NameTitle
Gregory EckChairman
Ron BarberVice Chairma
Bob NetzerBoard Member
Chris GeorgeBoard Member
John HalsteadBoard Member
Julius B MeltonBoard Member
Steve LoshBoard Member
Steve WoodallBoard Member
David RoperSecretary/tr

Highest Paid Contractors

ContractorServicesLocationCompensation
Avitus Technology ServicesTechnologyPO BOX 2506, Billings, MT 59103$162,442
LanveraCommunications112 WRANGLER DR STE 150, Coppell, TX 75019$112,003
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,525,115
Investment Income
$1,026,199
Other Revenue
$11,950
Change in Net Assets
$3,206,698
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,339,297
Salaries, Compensation, and Employee Benefits$4,010,393
Grants and Similar Amounts Paid$6,876
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,710,543
Office Expenses---$1,670,342
Interest---$810,586
Current Officers, Directors, Trustees, and Key Employees---$528,771
Advertising---$440,386
Depreciation Depletion---$405,624
Other Employee Benefits---$404,495
Occupancy---$279,189
Payroll Taxes---$238,460
Other Expenses---$190,656
Information Technology---$132,906
All Other Expenses---$129,435
Pension Plan Contributions---$128,124
Conferences and Meetings---$54,778
Insurance---$45,363
Fees for Services Accounting---$43,440
Travel---$25,499
Fees for Services Other---$19,901
Grants to Domestic Orgs---$6,876
Fees for Services Legal---$1,271
Total Functional Expenses$0$0$0$10,356,566
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' DEPOSITS$238,674,463
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The members of the credit union are considered to be the owners of the organization.”

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

“The members of the credit union elect the board of directors and supervisory committee members for three year terms.”

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

“The return is given to the president and the board for review. After reviewing the return, the president signs the e-file authorization form, and it is e-filed with the irs. A copy of the final return is included at the next monthly board meeting.”

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

“Officers and directors annually disclose potential conflicts of interest. The officer/director abstains from discussion and voting on matters with conflict of interest.”

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

“The president performance and compensation review committee is selected from the members of the board. This committee uses the cuna compensation survey, other demographic compensation reports and the credit union's past performance to evaluate the appropriate amount of executive compensation. The amount of executive compensation is proposed to the board in a closed door meeting and after a discussion among the board members an amount is approved.”

Form 990, Page 6, Part VI, Line 19

“Copies of the credit union governing documents, financial statements and conflict of interest policy are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Telcomm Credit Union
EIN
44-0538278
Phone
4178865355
Address
2155 E SUNSHINE, SPRINGFIELD, MO 65804

Signing Officer

Name
Jessica Shorney
Title
President/CEO
Phone
4178865355
Signed
2023-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jessica Shorney
Formed
1940
Legal Domicile
Mo
Voting Board Members
9
Independent Board Members
9
Employees
94
Volunteers
12

Preparer

Firm
Kpm Cpas Pc
Address
1445 E REPUBLIC RD, SPRINGFIELD, MO 65804
Preparer
Andrew C Clemens CPA
Phone
4178824300
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“As a member owned cooperative, this credit union is dedicated to providing high quality financial services to the members, remaining responsive to member needs and goals, and pursuing the philosophy of "people helping people" within the constraints of sound business practices.”

Raw XML AppendixShowing 400 of 438 raw XML fields

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

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0642376
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02903278
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0MEMBER OWNED COOPERATIVE DEDICATED TO PROVIDING HIGH QUALITY FINANCIAL SERVICES TO ITS MEMBERS
IRS990/AdvertisingGrp/TotalAmt0440386
IRS990/AllOtherExpensesGrp/TotalAmt0129435
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BooksInCareOfDetail/PersonNm0JESSICA SHORNEY
IRS990/BooksInCareOfDetail/PhoneNum04178865355
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02155 E SUNSHINE
IRS990/BooksInCareOfDetail/USAddress/CityNm0SPRINGFIELD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd065804
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt02038520
IRS990/CashNonInterestBearingGrp/EOYAmt02260617
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0528771
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt054778
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0162442
IRS990/ContractorCompensationGrp/CompensationAmt1112003
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO BOX 2506
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1112 WRANGLER DR STE 150
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0BILLINGS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1COPPELL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd059103
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd175019
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0AVITUS TECHNOLOGY SERVICES
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IRS990/ContractorCompensationGrp/ServicesDesc0TECHNOLOGY
IRS990/ContractorCompensationGrp/ServicesDesc1COMMUNICATIONS
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt06876
IRS990/CYInvestmentIncomeAmt01026199
IRS990/CYOtherExpensesAmt06339297
IRS990/CYOtherRevenueAmt011950
IRS990/CYProgramServiceRevenueAmt012525115
IRS990/CYRevenuesLessExpensesAmt03206698
IRS990/CYSalariesCompEmpBnftPaidAmt04010393
IRS990/CYTotalExpensesAmt010356566
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt013563264
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0405624
IRS990/Desc0THE CREDIT UNION PROVIDES SAVINGS AND LOAN SERVICES AS WELL AS OTHER FINANCIAL SERVICES TO APPROXIMATELY 23,858 MEMBERS AT COMPETITIVE RATES TO IMPROVE THEIR ECONOMIC CONDITION.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt094
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt043440
IRS990/FeesForServicesLegalGrp/TotalAmt01271
IRS990/FeesForServicesOtherGrp/TotalAmt019901
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt028108
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt311701
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt411480
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IRS990/Form990PartVIISectionAGrp/PersonNm0JESSICA SHORNEY
IRS990/Form990PartVIISectionAGrp/PersonNm1CHRIS GLENN
IRS990/Form990PartVIISectionAGrp/PersonNm2BETH HYLSKY
IRS990/Form990PartVIISectionAGrp/PersonNm3TIMOTHY HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm4LORI JOHNSON-MURAWASKI
IRS990/Form990PartVIISectionAGrp/PersonNm5GREGORY ECK
IRS990/Form990PartVIISectionAGrp/PersonNm6RON BARBER
IRS990/Form990PartVIISectionAGrp/PersonNm7DAVID ROPER
IRS990/Form990PartVIISectionAGrp/PersonNm8STEVE WOODALL
IRS990/Form990PartVIISectionAGrp/PersonNm9STEVE LOSH
IRS990/Form990PartVIISectionAGrp/PersonNm10CHRIS GEORGE
IRS990/Form990PartVIISectionAGrp/PersonNm11JOHN HALSTEAD
IRS990/Form990PartVIISectionAGrp/PersonNm12JULIUS B MELTON
IRS990/Form990PartVIISectionAGrp/PersonNm13BOB NETZER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0243753
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CE
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHIEF LENDIN
IRS990/Form990PartVIISectionAGrp/TitleTxt2CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt3EMPLOYEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4EMPLOYEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE CHAIRMA
IRS990/Form990PartVIISectionAGrp/TitleTxt7SECRETARY/TR
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
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IRS990/MissionDesc0AS A MEMBER OWNED COOPERATIVE, THIS CREDIT UNION IS DEDICATED TO PROVIDING HIGH QUALITY FINANCIAL SERVICES TO THE MEMBERS, REMAINING RESPONSIVE TO MEMBER NEEDS AND GOALS, AND PURSUING THE PHILOSOPHY OF "PEOPLE HELPING PEOPLE" WITHIN THE CONSTRAINTS OF SOUND BUSINESS PRACTICES.
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IRS990/OtherAssetsTotalGrp/EOYAmt09365168
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0404495
IRS990/OtherExpensesGrp/Desc0DATA PROCESSING
IRS990/OtherExpensesGrp/Desc1ATM/CC PROCESSING
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3TAXES
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IRS990/ProgramServiceRevenueGrp/BusinessCd4524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1CREDIT CARD INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc3OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc4INSURANCE COMMISSIONS
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11529250
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3334223
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11529250
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21349603
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0694429
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IRS990ScheduleD/LandGrp/BookValueAmt01846773
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01846773
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IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0193265
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0238674463
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' DEPOSITS
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IRS990ScheduleD/TotalLiabilityAmt0238674463
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IRS990ScheduleJ/CompensationCommitteeInd0X
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JESSICA SHORNEY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0AS A MEMBER OWNED COOPERATIVE, THIS CREDIT UNION IS DEDICATED TO PROVIDING HIGH QUALITY FINANCIAL SERVICES TO THE MEMBERS, REMAINING RESPONSIVE TO MEMBER NEEDS AND GOALS, AND PURSUING THE PHILOSOPHY OF "PEOPLE HELPING PEOPLE" WITHIN THE CONSTRAINTS OF SOUND BUSINESS PRACTICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE CREDIT UNION ARE CONSIDERED TO BE THE OWNERS OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE MEMBERS FOR THREE YEAR TERMS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE RETURN IS GIVEN TO THE PRESIDENT AND THE BOARD FOR REVIEW. AFTER REVIEWING THE RETURN, THE PRESIDENT SIGNS THE E-FILE AUTHORIZATION FORM, AND IT IS E-FILED WITH THE IRS. A COPY OF THE FINAL RETURN IS INCLUDED AT THE NEXT MONTHLY BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4OFFICERS AND DIRECTORS ANNUALLY DISCLOSE POTENTIAL CONFLICTS OF INTEREST. THE OFFICER/DIRECTOR ABSTAINS FROM DISCUSSION AND VOTING ON MATTERS WITH CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PRESIDENT PERFORMANCE AND COMPENSATION REVIEW COMMITTEE IS SELECTED FROM THE MEMBERS OF THE BOARD. THIS COMMITTEE USES THE CUNA COMPENSATION SURVEY, OTHER DEMOGRAPHIC COMPENSATION REPORTS AND THE CREDIT UNION'S PAST PERFORMANCE TO EVALUATE THE APPROPRIATE AMOUNT OF EXECUTIVE COMPENSATION. THE AMOUNT OF EXECUTIVE COMPENSATION IS PROPOSED TO THE BOARD IN A CLOSED DOOR MEETING AND AFTER A DISCUSSION AMONG THE BOARD MEMBERS AN AMOUNT IS APPROVED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6COPIES OF THE CREDIT UNION GOVERNING DOCUMENTS, FINANCIAL STATEMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt066379
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02155 E SUNSHINE

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