Civic Intelligence

Railway Credit Union

EIN 45-0240799 • 501(c)14 • Mandan, ND

View Organization Page

Profile

Provide financial services to credit union members

1006 East Main StreetMandan, ND 58554-3762

www.railwaycu.com

Siviq Scores

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

Liabilities / Assets

37th percentile

0.88x

Higher debt load relative to assets than 37% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

50th percentile

15.15x

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

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

53rd percentile

12%

Higher net margin than 53% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

90th percentile

$443,209

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 4.1% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

83rd percentile

8.0%

Faster asset growth than 83% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

93rd percentile

29%

Faster revenue growth than 93% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets37th percentile

Assets

Up

$174,508,590

Up $12,360,551 (+7.6%) from 2022

Liabilities

Up

$153,699,103

Up $11,036,301 (+7.7%) from 2022

Net Assets

Up

$20,809,487

Up $1,324,250 (+6.8%) from 2022

Operations
Liabilities / Revenue50th percentileNet Margin53rd percentile

Revenue

Up

$8,449,194

Up $1,821,802 (+27%) from 2022

Expenses

Up

$7,396,096

Up $2,423,888 (+49%) from 2022

Net Income

Down

$1,053,098

Down $602,086 (-36%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth83rd percentile

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

$200M$150M$100M$50M$0Assets 2010: $54,628,501Liabilities 2010: $47,874,772Net Assets 2010: $6,753,7292010Assets 2011: $60,007,441Liabilities 2011: $52,552,616Net Assets 2011: $7,454,8252011Assets 2012: $64,029,160Liabilities 2012: $55,743,655Net Assets 2012: $8,285,5052012Assets 2013: $84,377,070Liabilities 2013: $74,120,472Net Assets 2013: $10,256,5982013Assets 2014: $89,115,698Liabilities 2014: $77,971,003Net Assets 2014: $11,144,6952014Assets 2015: $93,000,297Liabilities 2015: $80,701,073Net Assets 2015: $12,299,2242015Assets 2016: $101,726,213Liabilities 2016: $88,241,339Net Assets 2016: $13,484,8742016Assets 2017: $105,699,764Liabilities 2017: $91,083,745Net Assets 2017: $14,616,0192017Assets 2018: $110,996,982Liabilities 2018: $95,273,922Net Assets 2018: $15,723,0602018Assets 2019: $122,121,562Liabilities 2019: $105,230,358Net Assets 2019: $16,891,2042019Assets 2020: $136,172,394Liabilities 2020: $118,310,100Net Assets 2020: $17,862,2942020Assets 2021: $154,111,125Liabilities 2021: $134,845,688Net Assets 2021: $19,265,4372021Assets 2022: $162,148,039Liabilities 2022: $142,662,802Net Assets 2022: $19,485,2372022Assets 2023: $174,508,590Liabilities 2023: $153,699,103Net Assets 2023: $20,809,4872023

Highlighted filing

2023

Assets$174,508,590
Liabilities$153,699,103
Net Assets$20,809,487
Open 2023 Filing

Operations Trend

Revenue Growth93rd percentile

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

$10M$5.0M$0Expenses 2010: $2,330,4482010Revenue 2011: $3,139,318Expenses 2011: $2,438,222Net Income 2011: $701,0962011Expenses 2012: $2,610,8212012Revenue 2013: $3,533,810Expenses 2013: $2,728,459Net Income 2013: $805,3512013Revenue 2014: $3,984,164Expenses 2014: $3,096,067Net Income 2014: $888,0972014Revenue 2015: $4,390,637Expenses 2015: $3,236,108Net Income 2015: $1,154,5292015Revenue 2016: $4,647,189Expenses 2016: $3,461,539Net Income 2016: $1,185,6502016Revenue 2017: $4,817,742Expenses 2017: $3,686,597Net Income 2017: $1,131,1452017Revenue 2018: $5,056,467Expenses 2018: $3,949,426Net Income 2018: $1,107,0412018Revenue 2019: $5,711,264Expenses 2019: $4,543,120Net Income 2019: $1,168,1442019Revenue 2020: $5,715,817Expenses 2020: $4,744,727Net Income 2020: $971,0902020Revenue 2021: $5,898,614Expenses 2021: $4,495,471Net Income 2021: $1,403,1432021Revenue 2022: $6,627,392Expenses 2022: $4,972,208Net Income 2022: $1,655,1842022Revenue 2023: $8,449,194Expenses 2023: $7,396,096Net Income 2023: $1,053,0982023

Highlighted filing

2023

Revenue$8,449,194
Expenses$7,396,096
Net Income$1,053,098
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$174,508,590
Liabilities
$153,699,103
Net assets
$20,809,487
Revenue
$8,449,194
Expenses
$7,396,096
Net income
$1,053,098
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$175$154$20.8$8.45$7.40$1.05
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$162$143$19.5$6.63$4.97$1.66
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$154$135$19.3$5.90$4.50$1.40
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$136$118$17.9$5.72$4.74$0.97
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$122$105$16.9$5.71$4.54$1.17
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$111$95.3$15.7$5.06$3.95$1.11
2017Summary only. Only limited summary data is available for this year.$106$91.1$14.6$4.82$3.69$1.13
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$102$88.2$13.5$4.65$3.46$1.19
2015Detailed filing. Detailed filing data is available for this year.$93.0$80.7$12.3$4.39$3.24$1.15
2014Detailed filing. Detailed filing data is available for this year.$89.1$78.0$11.1$3.98$3.10$0.89
2013Detailed filing. Detailed filing data is available for this year.$84.4$74.1$10.3$3.53$2.73$0.81
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$64.0$55.7$8.29$2.61
2011Summary only. Only limited summary data is available for this year.$60.0$52.6$7.45$3.14$2.44$0.70
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$54.6$47.9$6.75$2.33
Latest Detailed Filing

The latest 2023 filing currently has summary financial data only. Showing the latest detailed filing from 2015 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 12, 2016
Return Version
2015v2.1
Gross Receipts
$4,390,637
Mission and Program Overview

Mission

Provide financial services to credit union members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$60,472,301$67,132,484▲ $6,660,183
Savings and Temporary Cash Investments$18,762,617$17,790,624▼ $971,993
Rtn Earn Endowment Incm Other Fnds$7,294,695$7,549,224▲ $254,529
Cap Stk Tr Prin Current Funds$3,850,000$4,750,000▲ $900,000
Investments in Publicly Traded Securities$5,319,000$3,570,000▼ $1,749,000
Land, Buildings, and Equipment, Net$1,920,142$1,877,637▼ $42,505
Cash and Non-Interest-Bearing Accounts$372,441$376,746▲ $4,305
Investments Other Securities$119,131$107,000▼ $12,131
Receivables From Officers Etc$237,990$93,585▼ $144,405
Prepaid Expenses and Deferred Charges$15,706$16,060▲ $354
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$89,115,698$93,000,297▲ $3,884,599
Other Assets Total$1,896,370$2,036,161▲ $139,791
Liabilities
Other Liabilities$76,500,081$79,042,371▲ $2,542,290
Accounts Payable and Accrued Expenses$970,922$1,158,702▲ $187,780
Unsecured Notes Loans Payable$500,000$500,000→ $0
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0--
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$77,971,003$80,701,073▲ $2,730,070
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,144,695$12,299,224▲ $1,154,529
Total Liabilities and Net Assets / Fund Balance$89,115,698$93,000,297▲ $3,884,599

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,538,555$383,421$0
Other Land Buildings$103,183$194,344$0
Land$133,200-$0
Equipment$102,699$160,885$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paul J BruckerPresident/CEOFT$135,665$49,870$185,535

Board Members and Trustees

NameTitle
Douglas M ErhartChairman
A E FryVice Chairman
Kenneth CloustonBoard Member
T C WirtzBoard Member
James L JensenSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$398,709
Other Revenue
$3,991,928
Change in Net Assets
$1,154,529

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,390,637
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$4,390,637
Total Revenue per Form 990
$4,390,637
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,633,868
Other Expenses$1,602,240
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,059,079
Fees for Services Accounting---$386,065
Office Expenses---$173,912
Other Employee Benefits---$172,657
Current Officers, Directors, Trustees, and Key Employees---$168,663
Depreciation Depletion---$141,016
Pension Plan Contributions---$139,371
Occupancy---$120,892
Other Expenses---$110,082
Payroll Taxes---$94,098
Advertising---$76,526
Conferences and Meetings---$41,925
Insurance---$35,409
Payments to Affiliates---$23,109
Information Technology---$16,576
Travel---$8,860
All Other Expenses---$7,884
Interest---$2,000
Total Functional Expenses$0$0$0$3,236,108

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,236,108
Total Expenses per Audited Statements$3,236,108
Total Expenses per Form 990$3,236,108
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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$237,990$93,585▼ $144,405
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares, Share Drafts, CDs, IRAs$79,042,371
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
No
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, Part VI, Section A, Line 6

“Railway Credit Union is owned by its members”

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

“Railway Credit Union has members that elect the officials of the governing body”

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

“Railway Credit Union has the 990 report reviewed by the CEO and Board of Directors”

Form 990, Part VI, Section B, Line 12C

“Railway Credit Union has the Supervisory Committee review any possible conflicts of interest”

Form 990, Part VI, Section C, Line 19

“Railway Credit Union has the governing policies and financial statements available upon request to review”

Filing and Contact Details

Filer

Filer Name
Railway Credit Union
EIN
45-0240799
Phone
7016679500
Address
1006 East Main Street, Mandan, ND 58554-3762

Signing Officer

Name
Derrick Hertz
Title
Financial Officer
Phone
7012228736
Signed
2016-05-12

Organization Details

Principal Officer
Paul Brucker
Formed
1954
Legal Domicile
Nd
Voting Board Members
5
Independent Board Members
5
Employees
29
Volunteers
15
Raw XML AppendixShowing 400 of 496 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/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0970922
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01158702
IRS990/AccountsReceivableGrp/BOYAmt00
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Provide financial services to credit union members
IRS990/AdvertisingGrp/TotalAmt076526
IRS990/AllOtherExpensesGrp/TotalAmt07884
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Paul J Brucker
IRS990/BooksInCareOfDetail/PhoneNum07016679500
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01006 East Main Street
IRS990/BooksInCareOfDetail/USAddress/CityNm0Mandan
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0ND
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0585543762
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt03850000
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt04750000
IRS990/CashNonInterestBearingGrp/BOYAmt0372441
IRS990/CashNonInterestBearingGrp/EOYAmt0376746
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0168663
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt041925
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0398709
IRS990/CYOtherExpensesAmt01602240
IRS990/CYOtherRevenueAmt03991928
IRS990/CYProgramServiceRevenueAmt00
IRS990/CYRevenuesLessExpensesAmt01154529
IRS990/CYSalariesCompEmpBnftPaidAmt01633868
IRS990/CYTotalExpensesAmt03236108
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04390637
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0141016
IRS990/Desc0Provide financials services to credit union members
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt029
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0386065
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt555
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
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IRS990/Form990PartVIISectionAGrp/PersonNm0Douglas M Erhart
IRS990/Form990PartVIISectionAGrp/PersonNm1Kenneth Clouston
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IRS990/Form990PartVIISectionAGrp/PersonNm3James L Jensen
IRS990/Form990PartVIISectionAGrp/PersonNm4T C Wirtz
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5President/CEO
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IRS990/FSAuditedInd01
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IRS990/GainOrLossGrp/SecuritiesAmt00
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
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IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InitialReturnInd0X
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IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt02000
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
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IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0107000
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt05319000
IRS990/InvestmentsPubTradedSecGrp/EOYAmt03570000
IRS990/IRPDocumentCnt02
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0738650
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01920142
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IRS990/LandBldgEquipCostOrOtherBssAmt02616287
IRS990/LegalDomicileStateCd0ND
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt012406
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt012406
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0Provide financial services to credit union members
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt011144695
IRS990/NetAssetsOrFundBalancesEOYAmt012299224
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0120892
IRS990/OfficeExpensesGrp/TotalAmt0173912
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01896370
IRS990/OtherAssetsTotalGrp/EOYAmt02036161
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0172657
IRS990/OtherExpensesGrp/Desc0Dividends
IRS990/OtherExpensesGrp/Desc1Loan Servicing
IRS990/OtherExpensesGrp/Desc2Provision for Loan Loss
IRS990/OtherExpensesGrp/TotalAmt0404449
IRS990/OtherExpensesGrp/TotalAmt153535
IRS990/OtherExpensesGrp/TotalAmt2110082
IRS990/OtherLiabilitiesGrp/BOYAmt076500081
IRS990/OtherLiabilitiesGrp/EOYAmt079042371
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/BusinessCd1522130
IRS990/OtherRevenueMiscGrp/BusinessCd2522130
IRS990/OtherRevenueMiscGrp/Desc0Interest on Member Loans
IRS990/OtherRevenueMiscGrp/Desc1Fees & Charges
IRS990/OtherRevenueMiscGrp/Desc2Insurance Income
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/ExclusionAmt20
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt03151518
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1668076
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2159928
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt03151518
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1668076
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2159928
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt20
IRS990/OtherRevenueTotalAmt03991928
IRS990/OtherSalariesAndWagesGrp/TotalAmt01059079
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt060472301
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt067132484
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt023109
IRS990/PayrollTaxesGrp/TotalAmt094098
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0139371
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt015706
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt016060
IRS990/PrincipalOfficerNm0Paul Brucker
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0341123
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01466738
IRS990/PYOtherRevenueAmt03643041
IRS990/PYProgramServiceRevenueAmt00
IRS990/PYRevenuesLessExpensesAmt0888097
IRS990/PYSalariesCompEmpBnftPaidAmt01629329
IRS990/PYTotalExpensesAmt03096067
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03984164
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0237990
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt093585
IRS990/ReconcilationRevenueExpnssAmt01154529
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07294695
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07549224
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018762617
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017790624
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01538555
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0383421
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01921976
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0102699
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0160885
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0263584
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03236108
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0133200
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0133200
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0103183
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0194344
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0297527
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt079042371
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares, Share Drafts, CDs, IRAs
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt04390637
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01877637
IRS990ScheduleD/TotalExpensesPerForm990Amt03236108
IRS990ScheduleD/TotalLiabilityAmt079042371
IRS990ScheduleD/TotalRevenuePerForm990Amt04390637
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04390637
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03236108
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0135665
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount015498
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt0167199
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt017500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt016872
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Paul J Brucker
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0185535
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt012802
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1273
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt257711
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt322798
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Vehicle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Credit Card
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Real Estate
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Vehicle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt018000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt15000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt259000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt332678
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Douglas Erhart
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Douglas Erhart
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Addison Fry
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Addison Fry

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