Civic Intelligence

Liberty First Credit Union

990 • Fiscal year 2016 • EIN 47-0116167

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 26, 2019

Organization Profilewww.libertyfirstcu.com

View Organization Page

501 N 46th StLincoln, NE 68503

(402) 465-1000

Siviq Scores

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

Liabilities / Assets

46th percentile

0.89x

Higher debt load relative to assets than 46% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

10th percentile

12.09x

Higher debt load relative to revenue than 10% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

69th percentile

14%

Higher net margin than 69% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

96th percentile

$478,815

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 2.9% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

85th percentile

9.5%

Faster asset growth than 85% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

84th percentile

13%

Faster revenue growth than 84% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets46th percentile

Assets

Up

$223,579,835

Up $19,426,953 (+9.5%) from 2015

Net Assets

Up

$24,103,139

Up $2,321,374 (+11%) from 2015

Liabilities

Up

$199,476,696

Up $17,105,579 (+9.4%) from 2015

Revenue And Expenses
Liabilities / Revenue10th percentileNet Margin69th percentile

Revenue

Up

$16,500,918

Up $1,909,964 (+13%) from 2015

Expenses

Up

$14,179,544

Up $1,548,816 (+12%) from 2015

Net Income

Up

$2,321,374

Up $361,148 (+18%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth85th percentile

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

$600M$400M$200M$0Assets 2010: $144,524,958Liabilities 2010: $128,781,426Net Assets 2010: $15,743,5322010Assets 2011: $146,325,844Liabilities 2011: $130,164,162Net Assets 2011: $16,161,6822011Assets 2012: $151,716,552Liabilities 2012: $134,332,933Net Assets 2012: $17,383,6192012Assets 2013: $152,415,092Liabilities 2013: $133,706,115Net Assets 2013: $18,708,9772013Assets 2014: $174,668,698Liabilities 2014: $154,847,159Net Assets 2014: $19,821,5392014Assets 2015: $204,152,882Liabilities 2015: $182,371,117Net Assets 2015: $21,781,7652015Assets 2016: $223,579,835Liabilities 2016: $199,476,696Net Assets 2016: $24,103,1392016Assets 2017: $253,378,755Liabilities 2017: $226,041,624Net Assets 2017: $27,337,1312017Assets 2018: $270,341,059Liabilities 2018: $238,985,385Net Assets 2018: $31,355,6742018Assets 2019: $305,462,233Liabilities 2019: $269,695,783Net Assets 2019: $35,766,4502019Assets 2020: $352,464,197Liabilities 2020: $311,314,498Net Assets 2020: $41,149,6992020Assets 2021: $400,479,429Liabilities 2021: $353,203,078Net Assets 2021: $47,276,3512021Assets 2022: $422,383,303Liabilities 2022: $369,419,397Net Assets 2022: $52,963,9062022Assets 2023: $452,189,917Liabilities 2023: $393,090,420Net Assets 2023: $59,099,4972023Assets 2024: $484,609,576Liabilities 2024: $418,830,785Net Assets 2024: $65,778,7912024

Highlighted filing

2016

Assets$223,579,835
Liabilities$199,476,696
Net Assets$24,103,139
Open 2016 Filing

Operations Trend

Revenue Growth84th percentile

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

$40M$30M$20M$10M$0Expenses 2010: $10,531,5532010Expenses 2011: $10,784,3832011Expenses 2012: $11,290,3512012Revenue 2013: $12,056,278Expenses 2013: $11,148,422Net Income 2013: $907,8562013Revenue 2014: $12,193,051Expenses 2014: $11,085,297Net Income 2014: $1,107,7542014Revenue 2015: $14,590,954Expenses 2015: $12,630,728Net Income 2015: $1,960,2262015Revenue 2016: $16,500,918Expenses 2016: $14,179,544Net Income 2016: $2,321,3742016Revenue 2017: $18,518,312Expenses 2017: $15,284,320Net Income 2017: $3,233,9922017Revenue 2018: $21,949,601Expenses 2018: $17,931,058Net Income 2018: $4,018,5432018Revenue 2019: $24,765,581Expenses 2019: $20,354,805Net Income 2019: $4,410,7762019Revenue 2020: $28,869,899Expenses 2020: $23,486,650Net Income 2020: $5,383,2492020Revenue 2021: $27,721,129Expenses 2021: $21,594,477Net Income 2021: $6,126,6522021Revenue 2022: $27,495,724Expenses 2022: $21,808,431Net Income 2022: $5,687,2932022Revenue 2023: $32,931,650Expenses 2023: $26,796,059Net Income 2023: $6,135,5912023Revenue 2024: $36,992,224Expenses 2024: $30,312,930Net Income 2024: $6,679,2942024

Highlighted filing

2016

Revenue$16,500,918
Expenses$14,179,544
Net Income$2,321,374
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 26, 2019
Return Version
2016v3.0
Gross Receipts
$16,500,918
Mission and Program Overview

Mission

Financial cooperative encouraging thrift.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$157,247,011$182,552,219▲ $25,305,208
Land, Buildings, and Equipment, Net$10,196,956$9,777,146▼ $419,810
Savings and Temporary Cash Investments$13,529,485$8,560,186▼ $4,969,299
Prepaid Expenses and Deferred Charges$7,166,055$7,413,877▲ $247,822
Accounts Receivable$6,140,455$7,256,335▲ $1,115,880
Cash and Non-Interest-Bearing Accounts$4,655,794$3,820,852▼ $834,942
Investments Program Related$4,417,305$3,459,705▼ $957,600
Receivables From Officers Etc$678,919$652,088▼ $26,831
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$204,152,882$223,579,835▲ $19,426,953
Other Assets Total$120,902$87,427▼ $33,475
Liabilities
Other Liabilities$157,623,091$179,264,230▲ $21,641,139
Accounts Payable and Accrued Expenses$24,748,026$20,212,466▼ $4,535,560
Total Liabilities$182,371,117$199,476,696▲ $17,105,579
Net Assets / Fund Balance
Unrestricted Net Assets$13,203,034$14,251,193▲ $1,048,159
Temporarily Rstr Net Assets$8,578,731$9,851,946▲ $1,273,215
Total Net Assets Fund Balance$21,781,765$24,103,139▲ $2,321,374
Total Liabilities and Net Assets / Fund Balance$204,152,882$223,579,835▲ $19,426,953

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,312,457$2,403,088-
Other Land Buildings$172,610$413,531-
Land$2,693,336--
Equipment$598,743$4,089,521-
Leasehold Improvements-$157,273-
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mary AndersonSVP Operations-$449,813$75,040$478,815
Frank WilberPresidentFT$150,775$470,556$453,611
Kevin FrenzelSVP Sales, ServFT$120,773$100,177$235,927
Lori SoflinMortgage Loan OrigFT$183,990$227,272$227,722
Amy DavisMortgage Loan OrigFT$98,862$204,754$203,410
Azala LewisMortgage Loan OrigFT$134,954$202,823$202,373
Paul E EricksonSVP ItFT$172,792$76,512$198,274
Lisa KrzyckiMortgage Loan OrigFT$161,030$186,674$186,674
Angela SchreinerSVP MarketingFT$236,055$76,429$174,850
William PetersonMortgage Loan OrigFT$124,180$19,231$143,411

Board Members and Trustees

NameTitle
Thomas BoltonChairman
Richard BattenVice Chairman
Kersi PajnigarBoard Member
Michael HoblemanBoard Member
Timothy KeelanBoard Member
Oris SmithSecretary
Loyd Starkey JrTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$15,636,625
Investment Income
$165,425
Other Revenue
$698,868
Change in Net Assets
$2,321,374

Audited Revenue Reconciliation

Revenue per Audited Statements
$16,500,918
Total Revenue per Audited Statements
$16,500,918
Total Revenue per Form 990
$16,500,918
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$7,249,174
Other Expenses$6,930,370
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons---$2,661,653
Current Officers, Directors, Trustees, and Key Employees---$2,169,159
Other Employee Benefits---$1,773,431
Payments to Affiliates---$1,591,261
Information Technology---$949,608
Interest---$873,243
Occupancy---$751,364
Advertising---$685,756
Office Expenses---$408,909
Payroll Taxes---$324,544
Pension Plan Contributions---$320,387
Fees for Services Other---$164,433
Other Expenses---$109,211
Depreciation Depletion---$87,756
Conferences and Meetings---$82,951
Insurance---$79,155
Fees for Services Management---$78,985
Travel---$53,646
Fees for Services Accounting---$46,600
Fees for Services Legal---$12,492
Total Functional Expenses$0$0$0$14,179,544

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$14,179,544
Total Expenses per Audited Statements$14,179,544
Total Expenses per Form 990$14,179,544
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$678,919$652,088▼ $26,831
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$179,264,230
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
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, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Member owned and operated credit union, 23,098 members on December 31, 2016.”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“Members elect the board of directors at the annual meeting.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Election of the board of directors is reserved for the share holders.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Reviewed by executive staff.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Management and auditors conduct periodic reviews to ensure compliance.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The board of directors reviews the CEO's salary annually with help from an outside consultant. The CEO reviews key staff salary with assistance from outside consultants.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Financial statements are posted monthly in the lobby. Depending on confidentiality documents are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Liberty First Credit Union
EIN
47-0116167
Phone
4024651000
Address
501 N 46th St, Lincoln, NE 68503

Signing Officer

Name
Ryan Morris
Title
Accounting Manager
Signed
2019-11-26
Discuss with paid preparer
Yes

Organization Details

Formed
1935
Legal Domicile
Ne
Voting Board Members
23,098
Independent Board Members
23,098
Employees
100
Volunteers
10

Preparer

Firm
Financial Standards Group Inc
Address
3615 NEWBURG RD, LOUISVILLE, KY 40218
Preparer
Robert Draeger
Phone
8005225820
Supplemental Narrative

Additional Explanations

Amended Explanation

“Amended to include certain insurance revenue as unrelated income.”

Raw XML AppendixShowing 400 of 719 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/AccountantCompileOrReviewInd0true
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt024748026
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt020212466
IRS990/AccountsReceivableGrp/BOYAmt06140455
IRS990/AccountsReceivableGrp/EOYAmt07256335
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Financial cooperative encouraging thrift.
IRS990/AdvertisingGrp/TotalAmt0685756
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherExpensesGrp/TotalAmt00
IRS990/AmendedReturnInd0X
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Frank Wilber
IRS990/BooksInCareOfDetail/PhoneNum04024651041
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0501 N 46th St
IRS990/BooksInCareOfDetail/USAddress/CityNm0Lincoln
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NE
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0685033718
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt04655794
IRS990/CashNonInterestBearingGrp/EOYAmt03820852
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt02169159
IRS990/CompDisqualPersonsGrp/TotalAmt02661653
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt082951
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0165425
IRS990/CYOtherExpensesAmt06930370
IRS990/CYOtherRevenueAmt0698868
IRS990/CYProgramServiceRevenueAmt015636625
IRS990/CYRevenuesLessExpensesAmt02321374
IRS990/CYSalariesCompEmpBnftPaidAmt07249174
IRS990/CYTotalExpensesAmt014179544
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt016500918
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt087756
IRS990/Desc0Financial Cooperative encouraging thrift.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt0100
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountInd0false
IRS990/ExpenseAmt014179544
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt046600
IRS990/FeesForServicesLegalGrp/TotalAmt012492
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt078985
IRS990/FeesForServicesOtherGrp/TotalAmt0164433
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt150.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt160.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt745.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt160.00
IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt753613
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt843174
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt925482
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1034228
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1127171
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1234630
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1343732
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1425644
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1519231
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1629002
IRS990/Form990PartVIISectionAGrp/PersonNm0Thomas Bolton
IRS990/Form990PartVIISectionAGrp/PersonNm1Timothy Keelan
IRS990/Form990PartVIISectionAGrp/PersonNm2Kersi Pajnigar
IRS990/Form990PartVIISectionAGrp/PersonNm3Richard Batten
IRS990/Form990PartVIISectionAGrp/PersonNm4Loyd Starkey Jr
IRS990/Form990PartVIISectionAGrp/PersonNm5Oris Smith
IRS990/Form990PartVIISectionAGrp/PersonNm6Michael Hobleman
IRS990/Form990PartVIISectionAGrp/PersonNm7Frank Wilber
IRS990/Form990PartVIISectionAGrp/PersonNm8Kevin Frenzel
IRS990/Form990PartVIISectionAGrp/PersonNm9Paul E Erickson
IRS990/Form990PartVIISectionAGrp/PersonNm10Angela Schreiner
IRS990/Form990PartVIISectionAGrp/PersonNm11Amy Davis
IRS990/Form990PartVIISectionAGrp/PersonNm12Azala Lewis
IRS990/Form990PartVIISectionAGrp/PersonNm13Lori Soflin
IRS990/Form990PartVIISectionAGrp/PersonNm14Lisa Krzycki
IRS990/Form990PartVIISectionAGrp/PersonNm15William Peterson
IRS990/Form990PartVIISectionAGrp/PersonNm16Mary Anderson
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7399998
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8192753
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9172792
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10140622
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11176239
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12167743
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13183990
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14161030
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15124180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16449813
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
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
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7President
IRS990/Form990PartVIISectionAGrp/TitleTxt8SVP Sales, Serv
IRS990/Form990PartVIISectionAGrp/TitleTxt9SVP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt10SVP Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt11Mortgage Loan Orig
IRS990/Form990PartVIISectionAGrp/TitleTxt12Mortgage Loan Orig
IRS990/Form990PartVIISectionAGrp/TitleTxt13Mortgage Loan Orig
IRS990/Form990PartVIISectionAGrp/TitleTxt14Mortgage Loan Orig
IRS990/Form990PartVIISectionAGrp/TitleTxt15Mortgage Loan Orig
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP Operations
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd0true
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt023098
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt016500918
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt023098
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0949608
IRS990/InsuranceGrp/TotalAmt079155
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0873243
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0165425
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0165425
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt04417305
IRS990/InvestmentsProgramRelatedGrp/EOYAmt03459705
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt05627
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07063413
IRS990/LandBldgEquipBasisNetGrp/BOYAmt010196956
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09777146
IRS990/LandBldgEquipCostOrOtherBssAmt016840559
IRS990/LegalDomicileStateCd0NE
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Financial cooperative encouraging thrift.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt021781765
IRS990/NetAssetsOrFundBalancesEOYAmt024103139
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-5930
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0751364
IRS990/OfficeExpensesGrp/TotalAmt0408909
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0120902
IRS990/OtherAssetsTotalGrp/EOYAmt087427
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01773431
IRS990/OtherExpensesGrp/Desc0Loan Loss Provision
IRS990/OtherExpensesGrp/Desc1All other expenses
IRS990/OtherExpensesGrp/TotalAmt0955000
IRS990/OtherExpensesGrp/TotalAmt1109211
IRS990/OtherLiabilitiesGrp/BOYAmt0157623091
IRS990/OtherLiabilitiesGrp/EOYAmt0179264230
IRS990/OtherRevenueMiscGrp/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/BusinessCd1524298
IRS990/OtherRevenueMiscGrp/Desc0Extended Warranty
IRS990/OtherRevenueMiscGrp/Desc1Life Insurance
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt026355
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt130627
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt026355
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt130627
IRS990/OtherRevenueTotalAmt056982
IRS990/OtherSalariesAndWagesGrp/TotalAmt00
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0157247011
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0182552219
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt01591261
IRS990/PayrollTaxesGrp/TotalAmt0324544
IRS990/PensionPlanContributionsGrp/TotalAmt0320387
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt07166055
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt07413877
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Member Loan Income
IRS990/ProgramServiceRevenueGrp/Desc1Member Service Revenue
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012585188
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13051437
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012585188
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13051437
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0136610
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt05972068
IRS990/PYOtherRevenueAmt0511289
IRS990/PYProgramServiceRevenueAmt013943055
IRS990/PYRevenuesLessExpensesAmt01960226
IRS990/PYSalariesCompEmpBnftPaidAmt06658660
IRS990/PYTotalExpensesAmt012630728
IRS990/PYTotalRevenueAmt014590954
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0678919
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0652088
IRS990/ReconcilationRevenueExpnssAmt02321374
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt016500918
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt0641886
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt0641886
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013529485
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08560186
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt06312457
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02403088
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt08715545
IRS990ScheduleD/EquipmentGrp/BookValueAmt0598743
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04089521
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt04688264
IRS990ScheduleD/ExpensesSubtotalAmt014179544
IRS990ScheduleD/LandGrp/BookValueAmt02693336
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt02693336
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0157273
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0157273
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0172610
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0413531
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0586141
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0179264230
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares and Deposits
IRS990ScheduleD/RevenueSubtotalAmt016500918
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09777146
IRS990ScheduleD/TotalExpensesPerForm990Amt014179544
IRS990ScheduleD/TotalLiabilityAmt0179264230
IRS990ScheduleD/TotalRevenuePerForm990Amt016500918
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt016500918
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt014179544
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt098862
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1236055
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2134954
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3150775
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4120773
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0176239
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount140416
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount2167743
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount3163943
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount456014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$223,579,835
Liabilities
$199,476,696
Net assets
$24,103,139
Revenue
$16,500,918
Expenses
$14,179,544
Net income
$2,321,374
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$485$419$65.8$37.0$30.3$6.68
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$452$393$59.1$32.9$26.8$6.14
2022Detailed filing. Detailed filing data is available for this year.$422$369$53.0$27.5$21.8$5.69
2021Detailed filing. Detailed filing data is available for this year.$400$353$47.3$27.7$21.6$6.13
2020Detailed filing. Detailed filing data is available for this year.$352$311$41.1$28.9$23.5$5.38
2019Detailed filing. Detailed filing data is available for this year.$305$270$35.8$24.8$20.4$4.41
2018Detailed filing. Detailed filing data is available for this year.$270$239$31.4$21.9$17.9$4.02
2017Detailed filing. Detailed filing data is available for this year.$253$226$27.3$18.5$15.3$3.23
2016Detailed filing. Detailed filing data is available for this year.$224$199$24.1$16.5$14.2$2.32
2015Detailed filing. Detailed filing data is available for this year.$204$182$21.8$14.6$12.6$1.96
2014Detailed filing. Detailed filing data is available for this year.$175$155$19.8$12.2$11.1$1.11
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$152$134$18.7$12.1$11.1$0.91
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$152$134$17.4$11.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$146$130$16.2$10.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$145$129$15.7$10.5