Civic Intelligence

White Eagle Credit Union

990 • Fiscal year 2024 • EIN 48-0126615

Jan 01, 2024 to Dec 31, 2024 • Filed on May 13, 2025

PO Box 86Augusta, KS 67010-0086

(316) 775-7591

Siviq Scores

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

Liabilities / Assets

19th percentile

0.86x

Higher debt load relative to assets than 19% of similar nonprofits.

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

Liabilities / Revenue

26th percentile

12.94x

Higher debt load relative to revenue than 26% of similar nonprofits.

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

Net Margin

82nd percentile

21%

Higher net margin than 82% of similar nonprofits.

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

Top Officer Pay

59th percentile

$250,290

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

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

Asset Growth

96th percentile

14%

Faster asset growth than 96% of similar nonprofits.

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

Revenue Growth

79th percentile

22%

Faster revenue growth than 79% of similar nonprofits.

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

Assets

Up

$163,145,847

Up $15,337,659 (+10%) from 2022

Net Assets

Up

$23,377,650

Up $4,097,209 (+21%) from 2022

Liabilities

Up

$139,768,197

Up $11,240,450 (+8.7%) from 2022

Revenue

Up

$10,802,109

Up $3,681,876 (+52%) from 2022

Expenses

Up

$8,510,203

Up $2,942,224 (+53%) from 2022

Net Income

Up

$2,291,906

Up $739,652 (+48%) from 2022

Historical Trend

Balance Sheet Trend

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

$200M$150M$100M$50M$0Assets 2008: $52,278,478Liabilities 2008: $45,849,738Net Assets 2008: $6,428,7402008Assets 2011: $72,981,451Liabilities 2011: $64,508,569Net Assets 2011: $8,472,8822011Assets 2013: $87,206,537Liabilities 2013: $78,042,264Net Assets 2013: $9,164,2732013Assets 2015: $92,802,966Liabilities 2015: $81,885,865Net Assets 2015: $10,917,1012015Assets 2016: $99,782,169Liabilities 2016: $88,065,396Net Assets 2016: $11,716,7732016Assets 2017: $103,532,165Liabilities 2017: $90,817,903Net Assets 2017: $12,714,2622017Assets 2018: $106,023,133Liabilities 2018: $92,469,950Net Assets 2018: $13,553,1832018Assets 2019: $109,249,455Liabilities 2019: $94,240,517Net Assets 2019: $15,008,9382019Assets 2022: $147,808,188Liabilities 2022: $128,527,747Net Assets 2022: $19,280,4412022Assets 2024: $163,145,847Liabilities 2024: $139,768,197Net Assets 2024: $23,377,6502024

Highlighted filing

2024

Assets$163,145,847
Liabilities$139,768,197
Net Assets$23,377,650

Operations Trend

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

$15M$10M$5.0M$0-$5.0MExpenses 2008: $3,899,3082008Expenses 2011: $3,703,8872011Revenue 2013: $5,291,931Expenses 2013: $5,594,238Net Income 2013: -$302,3072013Revenue 2015: $5,296,260Expenses 2015: $4,765,582Net Income 2015: $530,6782015Revenue 2016: $5,594,746Expenses 2016: $4,795,074Net Income 2016: $799,6722016Revenue 2017: $6,174,919Expenses 2017: $5,177,430Net Income 2017: $997,4892017Revenue 2018: $6,643,138Expenses 2018: $5,804,217Net Income 2018: $838,9212018Revenue 2019: $7,027,353Expenses 2019: $5,571,598Net Income 2019: $1,455,7552019Revenue 2022: $7,120,233Expenses 2022: $5,567,979Net Income 2022: $1,552,2542022Revenue 2024: $10,802,109Expenses 2024: $8,510,203Net Income 2024: $2,291,9062024

Highlighted filing

2024

Revenue$10,802,109
Expenses$8,510,203
Net Income$2,291,906
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.1
Gross Receipts
$10,802,109
Mission and Program Overview

Mission

A financial cooperative dedicated to outstanding personal service, the latest technology and products, and empowering members to improve their financial well-being.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$96,138,948$98,331,864▲ $2,192,916
Savings and Temporary Cash Investments$27,352,836$46,041,544▲ $18,688,708
Rtn Earn Endowment Incm Other Fnds$21,085,744$23,377,650▲ $2,291,906
Investments Other Securities$8,269,709$7,370,234▼ $899,475
Land, Buildings, and Equipment, Net$4,995,508$4,913,479▼ $82,029
Cash and Non-Interest-Bearing Accounts$2,263,552$2,464,379▲ $200,827
Receivables From Officers Etc$1,897,561$1,861,300▼ $36,261
Prepaid Expenses and Deferred Charges$205,421$229,526▲ $24,105
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Accounts Receivable$231,487$-45▼ $231,532
Total Assets$143,075,943$163,145,847▲ $20,069,904
Other Assets Total$1,720,921$1,933,566▲ $212,645
Liabilities
Other Liabilities$121,010,657$138,621,384▲ $17,610,727
Accounts Payable and Accrued Expenses$979,542$1,116,813▲ $137,271
Grants Payable-$30,000-
Total Liabilities$121,990,199$139,768,197▲ $17,777,998
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,085,744$23,377,650▲ $2,291,906
Total Liabilities and Net Assets / Fund Balance$143,075,943$163,145,847▲ $20,069,904

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,500,910$987,026$4,487,936
Land$1,225,261-$1,225,261
Equipment$143,933$998,133$1,142,066
Other Land Buildings$43,375$41,470$84,845
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eric BrownCEO/presidentFT$163,925$86,365$250,290
Jennifer PazzieCFOFT$120,176$35,977$156,153

Board Members and Trustees

NameTitle
Ron ReavisChairman
Tim FollisVice Chairman
Bobby HubbardDirector
Briant LewisDirector
Jay LewisDirector
Joan ReichardtDirector
Joe CantuDirector
Pat TerickDirector
Rob NickelDirector
Tammy WilsonSecretary
Troy NordmanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,945,105
Investment Income
$1,641,854
Other Revenue
$215,150
Change in Net Assets
$2,291,906
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,633,951
Salaries, Compensation, and Employee Benefits$2,839,752
Grants and Similar Amounts Paid$36,500
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$1,881,704
Other Salaries and Wages---$1,879,925
Current Officers, Directors, Trustees, and Key Employees---$406,445
Occupancy---$338,831
Pension Plan Contributions---$205,861
Information Technology---$185,822
Advertising---$185,629
Other Employee Benefits---$179,442
Payroll Taxes---$168,079
Depreciation Depletion---$144,488
Insurance---$76,950
Fees for Services Accounting---$38,796
Grants to Domestic Orgs---$30,000
Conferences and Meetings---$28,100
Other Expenses---$23,358
Travel---$12,511
Fees for Services Other---$11,602
Grants to Domestic Individuals---$6,500
All Other Expenses---$4,567
Fees for Services Legal---$1,115
Total Functional Expenses$0$0$0$8,510,203
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$1,897,561$1,861,300▼ $36,261
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$138,621,384
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

The credit union is mutually owned by members.

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

The board of directors are elected by the credit union members.

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

Certain significant changes are subject to approval by the credit union members; however, no such changes were made during the year.

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

Information is supplied to the credit union's accounting firm. Upon completion, credit union management reviews the form 990 and provides it to the board of directors.

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

On an annual basis, the president and all directors, committee members, and employees are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.

Form 990, Part VI, Section B, Line 15

The compensation committee of the board of directors consults with an independent salary administration firm when determining compensation for the president, officers, and other key employees. Deliberations and decisions are documented in the board minutes.

Form 990, Part VI, Section C, Line 19

Financial statements are posted in the lobby, presented at the annual meeting, and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.

Filing and Contact Details

Filer

Filer Name
White Eagle Credit Union
EIN
48-0126615
Phone
3167757591
Address
PO BOX 86, AUGUSTA, KS 67010-0086

Signing Officer

Name
Eric Brown
Title
CEO/president
Phone
3167757591
Signed
2025-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Eric Brown
Formed
1935
Legal Domicile
Ks
Voting Board Members
11
Independent Board Members
11
Employees
62
Volunteers
17

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061-6454
Preparer
Gerald Tenbrink
Phone
9138946214
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 3

Members can now overdraft their accounts (courtesy pay)

Raw XML AppendixShowing 400 of 463 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.

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IRS990/OtherRevenueMiscGrp/Desc0NON-RECURRING
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0194374
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0194374
IRS990/OtherRevenueTotalAmt0194374
IRS990/OtherSalariesAndWagesGrp/TotalAmt01879925
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt096138948
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt098331864
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0168079
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0205861
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0205421
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0229526
IRS990/PrincipalOfficerNm0ERIC BROWN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2WARRANTY SALES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06645207
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12269777
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06645207
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12292266
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt27632
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt022489
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt17632
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 7,349 LOANS OUTSTANDING TOTALING $99,136,519.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $1,967,400 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt039000
IRS990/PYInvestmentIncomeAmt01315434
IRS990/PYOtherExpensesAmt04266079
IRS990/PYOtherRevenueAmt020399
IRS990/PYProgramServiceRevenueAmt07552087
IRS990/PYRevenuesLessExpensesAmt01905303
IRS990/PYSalariesCompEmpBnftPaidAmt02677538
IRS990/PYTotalExpensesAmt06982617
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08887920
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01897561
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01861300
IRS990/ReconcilationRevenueExpnssAmt02291906
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt020776
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt020776
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt021085744
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt023377650
IRS990/SavingsAndTempCashInvstGrp/BOYAmt027352836
IRS990/SavingsAndTempCashInvstGrp/EOYAmt046041544
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03500910
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0987026
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04487936
IRS990ScheduleD/EquipmentGrp/BookValueAmt0143933
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0998133
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01142066
IRS990ScheduleD/LandGrp/BookValueAmt01225261
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01225261
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt043375
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt041470
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt084845
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0138621384
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04913479
IRS990ScheduleD/TotalLiabilityAmt0138621384
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0$500 COLLEGE SCHOLARSHIPS WERE AWARDED
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0THE SCHOLARSHIP COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS CANDIDATE APPLICATIONS AND AWARDS NON-RENEWABLE $500 SCHOLARSHIPS TO ASSIST WITH COLLEGE EXPENSES. FUNDS ARE DISTRIBUTED UPON RECEIPT OF ENROLLMENT VERIFICATION/CLASS SCHEDULE.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0163925
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1120176
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount040084
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount114300
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt013297
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt110807
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt032984
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt110870
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ERIC BROWN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1JENNIFER PAZZIE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0250290
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1156153
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS CONSULTS WITH AN INDEPENDENT SALARY ADMINISTRATION FIRM WHEN DETERMINING COMPENSATION FOR THE PRESIDENT.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1THE FOLLOWING EXECUTIVES ARE PARTICIPANTS IN 457(F) DEFERRED COMPENSATION PLANS AND THE RELATED EXPENSES WERE ACCRUED IN 2023: - ERIC BROWN, CEO/PRESIDENT - $25,424 - JENNIFER PAZZIE, CFO - $38,328 NO AMOUNTS WERE PAID OUT IN 2023. THE CREDIT UNION ALSO PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS FOR THE CEO/PRESIDENT, ERIC BROWN, THROUGH A COLLATERAL ASSIGNMENT SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT. SEE SCHEDULE L FOR DETAILS OF THE RELATED LOAN OUTSTANDING.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01861300
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0COLLATERAL ASSIGNMENT SPLIT DOLLAR LIFE INSURANCE, WITH FULL RECOURSE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt01861300
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0ERIC BROWN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO/PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt01861300
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS CAN NOW OVERDRAFT THEIR ACCOUNTS (COURTESY PAY)
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4INFORMATION IS SUPPLIED TO THE CREDIT UNION'S ACCOUNTING FIRM. UPON COMPLETION, CREDIT UNION MANAGEMENT REVIEWS THE FORM 990 AND PROVIDES IT TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ON AN ANNUAL BASIS, THE PRESIDENT AND ALL DIRECTORS, COMMITTEE MEMBERS, AND EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS CONSULTS WITH AN INDEPENDENT SALARY ADMINISTRATION FIRM WHEN DETERMINING COMPENSATION FOR THE PRESIDENT, OFFICERS, AND OTHER KEY EMPLOYEES. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY, PRESENTED AT THE ANNUAL MEETING, AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART III, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd01
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0143075943
IRS990/TotalAssetsEOYAmt0163145847
IRS990/TotalAssetsGrp/BOYAmt0143075943

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