Civic Intelligence

Reliance Credit Union

990 • Fiscal year 2013 • EIN 48-0466445

Jan 01, 2013 to Dec 31, 2013 • Filed on May 20, 2014

Organization Profilewww.reliancecu.org

View Organization Page

540 Minnesota AveKansas City, KS 66101

(913) 573-9196

Siviq Scores

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

Liabilities / Assets

27th percentile

0.82x

Higher debt load relative to assets than 27% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

32nd percentile

16.24x

Higher debt load relative to revenue than 32% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

91st percentile

20%

Higher net margin than 91% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

83rd percentile

$94,951

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 9.8% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

19th percentile

-2.7%

Faster asset growth than 19% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets27th percentile

Assets

Down

$19,175,743

Down $525,588 (-2.7%) from 2012

Net Assets

Up

$3,368,450

Up $190,787 (+6.0%) from 2012

Liabilities

Down

$15,807,293

Down $716,375 (-4.3%) from 2012

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin91st percentile

Revenue

$973,201

No earlier filing loaded for comparison.

Expenses

Down

$782,414

Down $47,828 (-5.8%) from 2012

Net Income

$190,787

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth19th percentile

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

$30M$20M$10M$0Assets 2010: $17,595,646Liabilities 2010: $14,851,899Net Assets 2010: $2,743,7472010Assets 2011: $18,762,804Liabilities 2011: $15,802,476Net Assets 2011: $2,960,3282011Assets 2012: $19,701,331Liabilities 2012: $16,523,668Net Assets 2012: $3,177,6632012Assets 2013: $19,175,743Liabilities 2013: $15,807,293Net Assets 2013: $3,368,4502013Assets 2014: $19,857,269Liabilities 2014: $16,359,076Net Assets 2014: $3,498,1932014Assets 2015: $23,784,191Liabilities 2015: $20,040,211Net Assets 2015: $3,743,9802015Assets 2016: $24,291,171Liabilities 2016: $20,471,004Net Assets 2016: $3,820,1672016Assets 2017: $24,705,823Liabilities 2017: $20,729,094Net Assets 2017: $3,976,7292017Assets 2018: $24,947,309Liabilities 2018: $21,270,288Net Assets 2018: $3,677,0212018Assets 2019: $24,871,799Liabilities 2019: $21,302,955Net Assets 2019: $3,568,8442019Assets 2020: $27,122,709Liabilities 2020: $23,598,547Net Assets 2020: $3,524,1622020Assets 2021: $28,582,864Liabilities 2021: $25,074,471Net Assets 2021: $3,508,3932021Assets 2022: $29,356,159Liabilities 2022: $25,897,124Net Assets 2022: $3,459,0352022Assets 2023: $27,551,048Liabilities 2023: $24,085,864Net Assets 2023: $3,465,1842023Assets 2024: $25,177,105Liabilities 2024: $21,569,125Net Assets 2024: $3,607,9802024

Highlighted filing

2013

Assets$19,175,743
Liabilities$15,807,293
Net Assets$3,368,450
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $878,7612010Expenses 2011: $857,1732011Expenses 2012: $830,2422012Revenue 2013: $973,201Expenses 2013: $782,414Net Income 2013: $190,7872013Revenue 2014: $889,224Expenses 2014: $759,476Net Income 2014: $129,7482014Revenue 2015: $1,016,557Expenses 2015: $925,253Net Income 2015: $91,3042015Revenue 2016: $1,066,233Expenses 2016: $990,046Net Income 2016: $76,1872016Revenue 2017: $1,157,508Expenses 2017: $1,003,921Net Income 2017: $153,5872017Revenue 2018: $1,274,131Expenses 2018: $1,573,839Net Income 2018: -$299,7082018Revenue 2019: $1,178,078Expenses 2019: $1,245,130Net Income 2019: -$67,0522019Revenue 2020: $996,595Expenses 2020: $1,041,277Net Income 2020: -$44,6822020Revenue 2021: $830,818Expenses 2021: $846,587Net Income 2021: -$15,7692021Revenue 2022: $877,431Expenses 2022: $926,789Net Income 2022: -$49,3582022Revenue 2023: $990,159Expenses 2023: $984,010Net Income 2023: $6,1492023Revenue 2024: $1,095,946Expenses 2024: $953,150Net Income 2024: $142,7962024

Highlighted filing

2013

Revenue$973,201
Expenses$782,414
Net Income$190,787
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 20, 2014
Return Version
2013v3.0
Gross Receipts
$973,201
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Provide mutually beneficial financial products to our membership

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$10,445,207$10,802,334▲ $357,127
Savings and Temporary Cash Investments$8,565,077$7,716,286▼ $848,791
Rtn Earn Endowment Incm Other Fnds$3,177,663$3,368,450▲ $190,787
Receivables From Officers Etc$245,216$230,930▼ $14,286
Cash and Non-Interest-Bearing Accounts$174,385$157,620▼ $16,765
Prepaid Expenses and Deferred Charges$44,587$41,370▼ $3,217
Land, Buildings, and Equipment, Net$10,035$8,399▼ $1,636
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$19,701,331$19,175,743▼ $525,588
Other Assets Total$216,824$218,804▲ $1,980
Liabilities
Other Liabilities$16,481,394$15,746,024▼ $735,370
Accounts Payable and Accrued Expenses$42,274$61,269▲ $18,995
Total Liabilities$16,523,668$15,807,293▼ $716,375
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,177,663$3,368,450▲ $190,787
Total Liabilities and Net Assets / Fund Balance$19,701,331$19,175,743▼ $525,588

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$8,399$17,128$25,527
Buildings$0$0$0
Land$0-$0
Equipment$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Marci FrazierPresidentFT$94,951$94,951

Board Members and Trustees

NameTitle
Dana GilbertChairperson
Greg CoiaVice Chairman
John PotterBoard Member
Julie GreenBoard Member
Mark GalespieBoard Member
Mark TaylerBoard Member
Jerry SchrickSecretary
Matt KriegTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$801,135
Investment Income
$172,066
Other Revenue
$0
Change in Net Assets
$190,787
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$460,551
Salaries, Compensation, and Employee Benefits$321,863
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$161,380
Other Salaries and Wages---$154,648
Current Officers, Directors, Trustees, and Key Employees---$94,951
Other Employee Benefits---$72,264
Information Technology---$24,924
Other Expenses---$11,511
Insurance---$11,375
Fees for Services Management---$7,494
All Other Expenses---$6,671
Fees for Services Accounting---$4,900
Advertising---$4,229
Fees for Services Legal---$4,154
Travel---$2,750
Conferences and Meetings---$2,144
Interest---$146
Total Functional Expenses$0$0$0$782,414
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$245,216$230,930▼ $14,286
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$15,746,024
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 family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“The board of directors delegates the day to day management to the President”

Form 990, Part VI, Section A, Line 6

“The credit union has 2213 members”

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

“The general membership elects the board of directors”

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

“Certain decision regarding the bylaws of the credit union must be approved by the membership. No such changes occurred in 2013”

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

“The board delegates the review of the 990 to the President”

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

“The board must sign a consent and it is reviewed annually”

Form 990, Part VI, Section B, Line 15

“The board of directors sets the salary of the President”

Form 990, Part VI, Section C, Line 19

“The financials are posted publicly and all others are by request”

Filing and Contact Details

Filer

EIN
48-0466445
Phone
9135739196

Signing Officer

Name
Marci Frazier
Title
Manager
Phone
9135739196
Signed
2014-05-20

Organization Details

Principal Officer
Marci Frazier
Formed
1931
Legal Domicile
Ks
Voting Board Members
8
Independent Board Members
8
Employees
5
Volunteers
8
Raw XML AppendixShowing 400 of 436 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt042274
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt061269
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Provide mutually beneficial financial products to our membership
IRS990/AdvertisingGrp/TotalAmt04229
IRS990/AllOtherExpensesGrp/TotalAmt06671
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine10Reliance Credit Union
IRS990/BooksInCareOfDetail/PhoneNum09135739196
IRS990/BooksInCareOfDetail/USAddress/AddressLine10540 Minnesota Ave
IRS990/BooksInCareOfDetail/USAddress/City0Kansas City
IRS990/BooksInCareOfDetail/USAddress/State0KS
IRS990/BooksInCareOfDetail/USAddress/ZIPCode066101
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0174385
IRS990/CashNonInterestBearingGrp/EOYAmt0157620
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt094951
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt02144
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0172066
IRS990/CYOtherExpensesAmt0460551
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0801135
IRS990/CYRevenuesLessExpensesAmt0190787
IRS990/CYSalariesCompEmpBnftPaidAmt0321863
IRS990/CYTotalExpensesAmt0782414
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0973201
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd01
IRS990/Desc0Provide mutually beneficial financial products to our members
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt0343654
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt04900
IRS990/FeesForServicesLegalGrp/TotalAmt04154
IRS990/FeesForServicesManagementGrp/TotalAmt07494
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt03
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt13
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt23
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt33
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt43
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt53
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt63
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt73
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt840
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt03
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt13
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt23
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt33
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt43
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt53
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt63
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt73
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0John Potter
IRS990/Form990PartVIISectionAGrp/PersonNm1Julie Green
IRS990/Form990PartVIISectionAGrp/PersonNm2Mark Tayler
IRS990/Form990PartVIISectionAGrp/PersonNm3Mark Galespie
IRS990/Form990PartVIISectionAGrp/PersonNm4Dana Gilbert
IRS990/Form990PartVIISectionAGrp/PersonNm5Greg Coia
IRS990/Form990PartVIISectionAGrp/PersonNm6Matt Krieg
IRS990/Form990PartVIISectionAGrp/PersonNm7Jerry Schrick
IRS990/Form990PartVIISectionAGrp/PersonNm8Marci Frazier
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt894951
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/TitleTxt0Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt5Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt7Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt8President
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01931
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0973201
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt024924
IRS990/InsuranceGrp/TotalAmt011375
IRS990/InterestGrp/TotalAmt0146
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0172066
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0172066
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0705
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt017128
IRS990/LandBldgEquipBasisNetGrp/BOYAmt010035
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08399
IRS990/LandBldgEquipCostOrOtherBssAmt025527
IRS990/LegalDomicileStateCd0KS
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingOtherInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Provide mutually beneficial financial products to our members
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt03177663
IRS990/NetAssetsOrFundBalancesEOYAmt03368450
IRS990/NetUnrelatedBusTxblIncmAmt01307
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/TotalAmt0161380
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0216824
IRS990/OtherAssetsTotalGrp/EOYAmt0218804
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt072264
IRS990/OtherExpensesGrp/Desc0Association Dues
IRS990/OtherExpensesGrp/Desc1lending Expense
IRS990/OtherExpensesGrp/Desc2Member Dividends
IRS990/OtherExpensesGrp/Desc3NCUSIF assessement
IRS990/OtherExpensesGrp/TotalAmt013116
IRS990/OtherExpensesGrp/TotalAmt1110651
IRS990/OtherExpensesGrp/TotalAmt295106
IRS990/OtherExpensesGrp/TotalAmt311511
IRS990/OtherLiabilitiesGrp/BOYAmt016481394
IRS990/OtherLiabilitiesGrp/EOYAmt015746024
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0154648
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt010445207
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt010802334
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt044587
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt041370
IRS990/PrincipalOfficerNm0Marci Frazier
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0Loan Income
IRS990/ProgramServiceRevenueGrp/Desc1Fees and Charges
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0700627
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt199201
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0700627
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1100508
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt11307
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide a source of credit to 1193 members
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0343654
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0700627
IRS990/ProgSrvcAccomActy3Grp/Desc0Paid dividends to 2213 members
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt095106
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0198870
IRS990/PYOtherExpensesAmt0505862
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0848707
IRS990/PYRevenuesLessExpensesAmt0217335
IRS990/PYSalariesCompEmpBnftPaidAmt0324380
IRS990/PYTotalExpensesAmt0830242
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01047577
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0245216
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0230930
IRS990/ReconcilationRevenueExpnssAmt0190787
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0272574
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03177663
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03368450
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08565077
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07716286
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt00
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt08399
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt017128
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt025527
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt015746024
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08399
IRS990ScheduleD/TotalLiabilityAmt015746024
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt018958
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1194261
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt25045
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt312666
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/LoanPurposeTxt0Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt033484
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1215000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt26207
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt318718
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0John Potter
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Marci Frazier
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Julie Green
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Mark Tayler
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Board member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Key Employee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Board member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Board member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/TotalBalanceDueAmt0230930
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The board of directors delegates the day to day management to the President
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The credit union has 2213 members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The general membership elects the board of directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Certain decision regarding the bylaws of the credit union must be approved by the membership. No such changes occurred in 2013
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The board delegates the review of the 990 to the President
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The board must sign a consent and it is reviewed annually
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The board of directors sets the salary of the President
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7The financials are posted publicly and all others are by request
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, 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/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt019701331
IRS990/TotalAssetsEOYAmt019175743
IRS990/TotalAssetsGrp/BOYAmt019701331
IRS990/TotalAssetsGrp/EOYAmt019175743
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0782414
IRS990/TotalGrossUBIAmt01307
IRS990/TotalLiabilitiesBOYAmt016523668
IRS990/TotalLiabilitiesEOYAmt015807293
IRS990/TotalLiabilitiesGrp/BOYAmt016523668
IRS990/TotalLiabilitiesGrp/EOYAmt015807293
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03177663
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03368450
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0782414
IRS990/TotalProgramServiceRevenueAmt0801135
IRS990/TotalReportableCompFromOrgAmt094951
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0971894
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0973201

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$19,175,743
Liabilities
$15,807,293
Net assets
$3,368,450
Revenue
$973,201
Expenses
$782,414
Net income
$190,787
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.2$21.6$3.61$1.10$0.95$0.14
2023Detailed filing. Detailed filing data is available for this year.$27.6$24.1$3.47$0.99$0.98$0.01
2022Detailed filing. Detailed filing data is available for this year.$29.4$25.9$3.46$0.88$0.93$0.05
2021Detailed filing. Detailed filing data is available for this year.$28.6$25.1$3.51$0.83$0.85$0.02
2020Detailed filing. Detailed filing data is available for this year.$27.1$23.6$3.52$1.00$1.04$0.04
2019Detailed filing. Detailed filing data is available for this year.$24.9$21.3$3.57$1.18$1.25$0.07
2018Detailed filing. Detailed filing data is available for this year.$24.9$21.3$3.68$1.27$1.57$0.30
2017Detailed filing. Detailed filing data is available for this year.$24.7$20.7$3.98$1.16$1.00$0.15
2016Detailed filing. Detailed filing data is available for this year.$24.3$20.5$3.82$1.07$0.99$0.08
2015Detailed filing. Detailed filing data is available for this year.$23.8$20.0$3.74$1.02$0.93$0.09
2014Detailed filing. Detailed filing data is available for this year.$19.9$16.4$3.50$0.89$0.76$0.13
2013Detailed filing. Detailed filing data is available for this year.$19.2$15.8$3.37$0.97$0.78$0.19
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.7$16.5$3.18$0.83
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.8$15.8$2.96$0.86
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.6$14.9$2.74$0.88