Civic Intelligence

First Community Credit Union

990 • Fiscal year 2019 • EIN 45-0226664

Jan 01, 2019 to Dec 31, 2019 • Filed on Aug 11, 2020

PO Box 2180Jamestown, ND 58401

(701) 253-5119

Siviq Scores

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

Liabilities / Assets

23rd percentile

0.86x

Higher debt load relative to assets than 23% of similar nonprofits.

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

Liabilities / Revenue

42nd percentile

15.61x

Higher debt load relative to revenue than 42% of similar nonprofits.

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

Net Margin

73rd percentile

18%

Higher net margin than 73% of similar nonprofits.

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

Top Officer Pay

51st percentile

$425,327

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

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

Asset Growth

22nd percentile

3.0%

Faster asset growth than 22% of similar nonprofits.

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

Revenue Growth

19th percentile

5.0%

Faster revenue growth than 19% of similar nonprofits.

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

Assets

Up

$851,824,528

Up $24,546,068 (+3.0%) from 2018

Net Assets

Up

$116,596,475

Up $10,266,991 (+9.7%) from 2018

Liabilities

Up

$735,228,053

Up $14,279,077 (+2.0%) from 2018

Revenue

Up

$47,098,566

Up $2,257,936 (+5.0%) from 2018

Expenses

Up

$38,838,200

Up $1,378,055 (+3.7%) from 2018

Net Income

Up

$8,260,366

Up $879,881 (+12%) from 2018

Historical Trend

Balance Sheet Trend

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

$1.5B$1.0B$500M$0Assets 2010: $338,017,767Liabilities 2010: $301,689,768Net Assets 2010: $36,327,9992010Assets 2011: $382,579,235Liabilities 2011: $340,932,902Net Assets 2011: $41,646,3332011Assets 2012: $435,102,304Liabilities 2012: $386,699,786Net Assets 2012: $48,402,5182012Assets 2013: $474,165,366Liabilities 2013: $420,104,022Net Assets 2013: $54,061,3442013Assets 2014: $516,299,138Liabilities 2014: $453,887,971Net Assets 2014: $62,411,1672014Assets 2015: $544,040,067Liabilities 2015: $474,002,015Net Assets 2015: $70,038,0522015Assets 2016: $567,043,264Liabilities 2016: $489,978,990Net Assets 2016: $77,064,2742016Assets 2017: $620,644,273Liabilities 2017: $535,441,352Net Assets 2017: $85,202,9212017Assets 2018: $827,278,460Liabilities 2018: $720,948,976Net Assets 2018: $106,329,4842018Assets 2019: $851,824,528Liabilities 2019: $735,228,053Net Assets 2019: $116,596,4752019Assets 2020: $946,751,216Liabilities 2020: $817,522,511Net Assets 2020: $129,228,7052020Assets 2021: $1,060,866,226Liabilities 2021: $923,698,336Net Assets 2021: $137,167,8902021Assets 2022: $1,195,741,212Liabilities 2022: $1,070,946,411Net Assets 2022: $124,794,8012022Assets 2023: $1,316,792,423Liabilities 2023: $1,178,863,517Net Assets 2023: $137,928,9062023Assets 2024: $1,327,869,515Liabilities 2024: $1,180,731,607Net Assets 2024: $147,137,9082024

Highlighted filing

2019

Assets$851,824,528
Liabilities$735,228,053
Net Assets$116,596,475

Operations Trend

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

$80M$60M$40M$20M$0Expenses 2010: $20,093,6952010Expenses 2011: $18,794,8352011Expenses 2012: $17,550,2672012Revenue 2013: $25,148,181Expenses 2013: $18,313,278Net Income 2013: $6,834,9032013Revenue 2014: $26,095,516Expenses 2014: $20,158,389Net Income 2014: $5,937,1272014Revenue 2015: $28,720,275Expenses 2015: $21,231,834Net Income 2015: $7,488,4412015Revenue 2016: $28,979,708Expenses 2016: $21,779,515Net Income 2016: $7,200,1932016Revenue 2017: $31,881,327Expenses 2017: $23,711,293Net Income 2017: $8,170,0342017Revenue 2018: $44,840,630Expenses 2018: $37,460,145Net Income 2018: $7,380,4852018Revenue 2019: $47,098,566Expenses 2019: $38,838,200Net Income 2019: $8,260,3662019Revenue 2020: $49,070,121Expenses 2020: $39,663,852Net Income 2020: $9,406,2692020Revenue 2021: $50,434,728Expenses 2021: $37,700,549Net Income 2021: $12,734,1792021Revenue 2022: $51,869,328Expenses 2022: $41,423,974Net Income 2022: $10,445,3542022Revenue 2023: $65,983,287Expenses 2023: $55,394,483Net Income 2023: $10,588,8042023Revenue 2024: $76,733,253Expenses 2024: $68,279,557Net Income 2024: $8,453,6962024

Highlighted filing

2019

Revenue$47,098,566
Expenses$38,838,200
Net Income$8,260,366
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Aug 11, 2020
Return Version
2019v5.1
Gross Receipts
$47,098,566
Mission and Program Overview

Mission

To provide individualized financial solutions for or members through competitive products and well-trained and empowered employees.

First community credit union promotes thrift and provides a source of credit to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$673,875,298$667,431,233▼ $6,444,065
Rtn Earn Endowment Incm Other Fnds$106,329,484$116,596,475▲ $10,266,991
Investments Program Related$65,178,704$87,422,228▲ $22,243,524
Land, Buildings, and Equipment, Net$24,626,781$28,760,219▲ $4,133,438
Cash and Non-Interest-Bearing Accounts$9,967,201$21,930,881▲ $11,963,680
Savings and Temporary Cash Investments$17,628,000$10,829,024▼ $6,798,976
Receivables From Officers Etc$4,200,000$4,009,597▼ $190,403
Prepaid Expenses and Deferred Charges$1,852,430$1,675,352▼ $177,078
Intangible Assets$1,123,693$1,026,066▼ $97,627
Investments Other Securities$1,288,700$990,900▼ $297,800
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$827,278,460$851,824,528▲ $24,546,068
Other Assets Total$27,537,653$27,749,028▲ $211,375
Liabilities
Other Liabilities$706,958,631$728,409,487▲ $21,450,856
Accounts Payable and Accrued Expenses$5,890,345$6,807,651▲ $917,306
Mortgage Notes Payable Secured by Investment Property$8,100,000$10,915▼ $8,089,085
Total Liabilities$720,948,976$735,228,053▲ $14,279,077
Net Assets / Fund Balance
Total Net Assets Fund Balance$106,329,484$116,596,475▲ $10,266,991
Total Liabilities and Net Assets / Fund Balance$827,278,460$851,824,528▲ $24,546,068

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$18,756,193$7,045,714$25,801,907
Land$7,051,425-$7,051,425
Equipment$2,093,660$4,507,259$6,600,919
Other Land Buildings$858,941$135,441$994,382
Investment Program Related Org$7,848--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Steve SchmitzCEOFT$320,000$105,327$425,327
Darin FinckChief Lending OfficerFT$186,382$60,939$247,321
Craig GrundstromChief Development OfficerFT$176,156$42,574$218,730
Michael HeidtVP/regional Senior CreditFT$161,734$38,408$200,142
Steve DavisSVP/regional Senior CreditFT$165,000$30,029$195,029
Sean RinkenbergerCFOFT$138,667$43,291$181,958
Jerry JanzVP/regional Senior CreditFT$141,956$39,002$180,958
Bonnie NelsonSecretary-$5,300-$5,300
Colin WegenastDirector-$5,300-$5,300
Dayne HeadlandDirector-$5,300-$5,300
Mark WatneDirector-$5,300-$5,300
Owen OlsonChairman-$5,300-$5,300
Sandra FrankeDirector-$5,300-$5,300
Sharman ZachrisonDirector-$5,300-$5,300

Highest Paid Contractors

ContractorServicesLocationCompensation
Hillerud Constructions INC-1008 2ND AVE SE, Jamestown, ND 58402-1165$1,719,575
Ncr Corporation-PO BOX 740641, Los Angeles, CA 90074-0641$656,473
Adams Development Co-501 40TH ST S, Fargo, ND 58103$600,086
Cuna Mutual Group-PO BOX 2964, Milwaukee, WI 53201-2964$386,206
Tf Powers-910 6TH AVE N, Fargo, ND 58102$381,016
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$44,286,075
Investment Income
$2,483,564
Other Revenue
$328,927
Change in Net Assets
$8,260,366
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$20,164,667
Salaries, Compensation, and Employee Benefits$18,673,533
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$13,443,097
Interest---$5,846,047
Other Employee Benefits---$2,363,494
Occupancy---$2,269,225
Office Expenses---$1,990,862
Depreciation Depletion---$1,511,290
Advertising---$1,368,299
Pension Plan Contributions---$1,242,201
Payroll Taxes---$1,054,631
Information Technology---$1,031,746
Current Officers, Directors, Trustees, and Key Employees---$570,110
Fees for Services Other---$353,822
Travel---$303,041
Fees for Services Legal---$226,759
Fees for Services Accounting---$158,317
Other Expenses---$96,049
Total Functional Expenses$0$0$0$38,838,200
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$4,200,000$4,009,597▼ $190,403
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares and Savings Accounts$728,409,487
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
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
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

There are no classes of members. Everyone who joins the credit union becomes a member.

Form 990, Part VI, Section A, Line 7A

All members may vote for their preferred candidate(s) for the board of directors. Elections are held annually to fill expiring terms.

Form 990, Part VI, Section A, Line 7B

Bylaw changes and merger decisions require the approval of the members.

Form 990, Part VI, Section B, Line 11B

The completed form 990 is reviewed by the cfo and the accounting department.

Form 990, Part VI, Section B, Line 15

The board reviews and approves ceo compensation using an outside compensation service and the board's evaluation of the ceo's performance. Other senior level employees are evaluated by the ceo, using an outside compensation service and the ceo's evaluation of performance. The review process is performed annually.

Form 990, Part VI, Section C, Line 19

The financial statements and governing documents are available to the public upon request.

Filing and Contact Details

Filer

Filer Name
First Community Credit Union
EIN
45-0226664
Phone
7012535119
Address
PO BOX 2180, JAMESTOWN, ND 58401

Signing Officer

Name
Sean Rinkenberger
Title
CFO
Phone
7012535119
Signed
2020-08-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steve Schmitz
Formed
1939
Legal Domicile
Nd
Voting Board Members
7
Independent Board Members
7
Employees
316
Volunteers
0

Preparer

Firm
Brady Martz & Associates Pc
Address
POST OFFICE BOX 848, MINOT, ND 58702-0848
Preparer
Ryan E Bakke CPA
Phone
7018520196
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

The credit union's policy is to evaluate the likelihood that its uncertain tax positions will prevail upon examination based on the extent to which those positions have substantial support within the internal revenue code and regulations, revenue rulings, court decisions and other evidence. It is the opinion of management that the credit union has no significant uncertain tax positions that would be subject to change upon examination. The federal income tax returns of the credit union are subject to examination by the irs, generally for three years after they were filed. All required filings are up to date.

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF DEVELOPMENT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP/REGIONAL SENIOR CREDIT
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP/REGIONAL SENIOR CREDIT
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP/REGIONAL SENIOR CREDIT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01939
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt052563
IRS990/GainOrLossGrp/SecuritiesAmt040843
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt052563
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt040843
IRS990/GrossReceiptsAmt047098566
IRS990/GrossRentsGrp/RealAmt0177788
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt025
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01031746
IRS990/IntangibleAssetsGrp/BOYAmt01123693
IRS990/IntangibleAssetsGrp/EOYAmt01026066
IRS990/InterestGrp/TotalAmt05846047
IRS990/InvestmentIncomeGrp/ExclusionAmt02390158
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02390158
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01288700
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0990900
IRS990/InvestmentsProgramRelatedGrp/BOYAmt065178704
IRS990/InvestmentsProgramRelatedGrp/EOYAmt087422228
IRS990/IRPDocumentCnt011420
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt011688414
IRS990/LandBldgEquipBasisNetGrp/BOYAmt024626781
IRS990/LandBldgEquipBasisNetGrp/EOYAmt028760219
IRS990/LandBldgEquipCostOrOtherBssAmt040448633
IRS990/LegalDomicileStateCd0ND
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE INDIVIDUALIZED FINANCIAL SOLUTIONS FOR OUR MEMBERS THROUGH COMPETITIVE PRODUCTS AND WELL-TRAINED AND EMPOWERED EMPLOYEES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt08100000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt010915
IRS990/NetAssetsOrFundBalancesBOYAmt0106329484
IRS990/NetAssetsOrFundBalancesEOYAmt0116596475
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt093406
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt093406
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0177788
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0177788
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt02006625
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02269225
IRS990/OfficeExpensesGrp/TotalAmt01990862
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt027537653
IRS990/OtherAssetsTotalGrp/EOYAmt027749028
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02363494
IRS990/OtherExpensesGrp/Desc0MEMBER SERVICE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICE & COLLECTI
IRS990/OtherExpensesGrp/Desc3MERGER EXPENSES
IRS990/OtherExpensesGrp/TotalAmt02964462
IRS990/OtherExpensesGrp/TotalAmt11540000
IRS990/OtherExpensesGrp/TotalAmt2504748
IRS990/OtherExpensesGrp/TotalAmt396049
IRS990/OtherLiabilitiesGrp/BOYAmt0706958631
IRS990/OtherLiabilitiesGrp/EOYAmt0728409487
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER INVESTMENT INCOME
IRS990/OtherRevenueMiscGrp/ExclusionAmt0151139
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0151139
IRS990/OtherRevenueTotalAmt0151139
IRS990/OtherSalariesAndWagesGrp/TotalAmt013443097
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0673875298
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0667431233
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01054631
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01242201
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01852430
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01675352
IRS990/PrincipalOfficerNm0STEVE SCHMITZ
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0MEMBER INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES & FEES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt035615335
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt15414955
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt23221348
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt035615335
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15449392
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23221348
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt034437
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDING FINANCIAL PRODUCTS SUCH AS SAVINGS AND CHECKING ACCOUNTS, IRA ACCOUNTS, CERTIFICATES OF DEPOSIT, CONSUMER LOANS, HOME MORTGAGE LOANS, AND SMALL BUSINESS LOANS TO MEMBERS WITHIN OUR FIELD OF MEMBERSHIP.
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVIDING LOANS TO MEMBERS FOR PROVIDENT PURPOSES, THEREBY HELPING TO STABILIZE THE CREDIT STRUCTURE OF THE UNITED STATES.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01990967
IRS990/PYOtherExpensesAmt020095283
IRS990/PYOtherRevenueAmt072732
IRS990/PYProgramServiceRevenueAmt042776931
IRS990/PYRevenuesLessExpensesAmt07380485
IRS990/PYSalariesCompEmpBnftPaidAmt017364862
IRS990/PYTotalExpensesAmt037460145
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt044840630
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt04200000
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt04009597
IRS990/ReconcilationRevenueExpnssAmt08260366
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/RentalIncomeOrLossGrp/RealAmt0177788
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0106329484
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0116596475
IRS990/SavingsAndTempCashInvstGrp/BOYAmt017628000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010829024
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt018756193
IRS990ScheduleD/BuildingsGrp/DepreciationAmt07045714
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt025801907
IRS990ScheduleD/EquipmentGrp/BookValueAmt02093660
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04507259
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06600919
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt05275496
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt17794002
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt23125041
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt369979605
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt41240236
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt57848
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NEGOTIABLE CERTIFICATES OF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1OBLIGATIONS OF STATE AND POLITICAL SUB-DIVISIONS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2AGENCY/GSE-GUARANTEED SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3AGENCY/GSE-GUARANTEED SECURITIES-MORTGAGE BACKED
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4MUTUAL FUNDS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5MONEY MARKET FUNDS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5F
IRS990ScheduleD/LandGrp/BookValueAmt07051425
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt07051425
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0858941
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0135441
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0994382
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0728409487
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES AND SAVINGS ACCOUNTS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION'S POLICY IS TO EVALUATE THE LIKELIHOOD THAT ITS UNCERTAIN TAX POSITIONS WILL PREVAIL UPON EXAMINATION BASED ON THE EXTENT TO WHICH THOSE POSITIONS HAVE SUBSTANTIAL SUPPORT WITHIN THE INTERNAL REVENUE CODE AND REGULATIONS, REVENUE RULINGS, COURT DECISIONS AND OTHER EVIDENCE. IT IS THE OPINION OF MANAGEMENT THAT THE CREDIT UNION HAS NO SIGNIFICANT UNCERTAIN TAX POSITIONS THAT WOULD BE SUBJECT TO CHANGE UPON EXAMINATION. THE FEDERAL INCOME TAX RETURNS OF THE CREDIT UNION ARE SUBJECT TO EXAMINATION BY THE IRS, GENERALLY FOR THREE YEARS AFTER THEY WERE FILED. ALL REQUIRED FILINGS ARE UP TO DATE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt028760219
IRS990ScheduleD/TotalBookValueProgramRltdAmt087422228
IRS990ScheduleD/TotalLiabilityAmt0728409487
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0320000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1138667
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2176156
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3186382
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4165000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5141956
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt6161734
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount054683
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount111943
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount214480
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount314671
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount48802

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,328$1,181$147$76.7$68.3$8.45
2023Summary only. Only limited summary data is available for this year.$1,317$1,179$138$66.0$55.4$10.6
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,196$1,071$125$51.9$41.4$10.4
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,061$924$137$50.4$37.7$12.7
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$947$818$129$49.1$39.7$9.41
2019Detailed filing. Detailed filing data is available for this year.$852$735$117$47.1$38.8$8.26
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$827$721$106$44.8$37.5$7.38
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$621$535$85.2$31.9$23.7$8.17
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$567$490$77.1$29.0$21.8$7.20
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$544$474$70.0$28.7$21.2$7.49
2014Detailed filing. Detailed filing data is available for this year.$516$454$62.4$26.1$20.2$5.94
2013Detailed filing. Detailed filing data is available for this year.$474$420$54.1$25.1$18.3$6.83
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$435$387$48.4$17.6
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$383$341$41.6$18.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$338$302$36.3$20.1