Civic Intelligence

Reliance Credit Union

990 • Fiscal year 2015 • EIN 48-0466445

Jan 01, 2015 to Dec 31, 2015 • Filed on May 23, 2016

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

37th percentile

0.84x

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

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

47th percentile

19.71x

Higher debt load relative to revenue than 47% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

61st percentile

9.0%

Higher net margin than 61% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

85th percentile

$104,195

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 10.2% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

98th percentile

20%

Faster asset growth than 98% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

93rd percentile

14%

Faster revenue growth than 93% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets37th percentile

Assets

Up

$23,784,191

Up $3,926,922 (+20%) from 2014

Net Assets

Up

$3,743,980

Up $245,787 (+7.0%) from 2014

Liabilities

Up

$20,040,211

Up $3,681,135 (+23%) from 2014

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin61st percentile

Revenue

Up

$1,016,557

Up $127,333 (+14%) from 2014

Expenses

Up

$925,253

Up $165,777 (+22%) from 2014

Net Income

Down

$91,304

Down $38,444 (-30%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth98th 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

2015

Assets$23,784,191
Liabilities$20,040,211
Net Assets$3,743,980
Open 2015 Filing

Operations Trend

Revenue Growth93rd percentile

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

2015

Revenue$1,016,557
Expenses$925,253
Net Income$91,304
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 23, 2016
Return Version
2015v2.1
Gross Receipts
$1,016,557
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$10,201,061$13,121,847▲ $2,920,786
Savings and Temporary Cash Investments$8,952,628$9,927,185▲ $974,557
Rtn Earn Endowment Incm Other Fnds$3,498,193$3,743,980▲ $245,787
Cash and Non-Interest-Bearing Accounts$182,771$294,180▲ $111,409
Receivables From Officers Etc$252,531$230,289▼ $22,242
Prepaid Expenses and Deferred Charges$35,272$36,996▲ $1,724
Land, Buildings, and Equipment, Net$12,569$2,382▼ $10,187
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$19,857,269$23,784,191▲ $3,926,922
Other Assets Total$220,437$171,312▼ $49,125
Liabilities
Other Liabilities$16,341,924$19,898,869▲ $3,556,945
Accounts Payable and Accrued Expenses$17,152$141,342▲ $124,190
Total Liabilities$16,359,076$20,040,211▲ $3,681,135
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,498,193$3,743,980▲ $245,787
Total Liabilities and Net Assets / Fund Balance$19,857,269$23,784,191▲ $3,926,922

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,382$137,030$139,412
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Marci FrazierPresidentFT$104,195$104,195

Board Members and Trustees

NameTitle
Dana GilbertChairperson
Mike AnayaVice Chairperson
Greg CoiaBoard Member
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
$857,520
Investment Income
$159,037
Other Revenue
$0
Change in Net Assets
$91,304
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$492,846
Other Expenses$432,407
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$275,511
Office Expenses---$168,169
Other Employee Benefits---$113,139
Other Expenses---$104,717
Current Officers, Directors, Trustees, and Key Employees---$104,196
Information Technology---$27,699
All Other Expenses---$24,688
Fees for Services Management---$7,484
Fees for Services Accounting---$5,171
Depreciation Depletion---$4,600
Fees for Services Legal---$4,514
Travel---$3,164
Conferences and Meetings---$1,700
Advertising---$416
Total Functional Expenses$0$0$0$925,253
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$252,531$230,289▼ $22,242
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$19,898,869
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
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 2916 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 has been done in 2015”

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

“Board Meeting”

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

“Annual signing of consent forms”

Form 990, Part VI, Section B, Line 15

“The board of directors approves all salaries”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted at the credit union”

Filing and Contact Details

Filer

Filer Name
Reliance Credit Union
EIN
48-0466445
Phone
9135739196
Address
540 Minnesota Ave, Kansas City, KS 66101

Signing Officer

Name
Marci Frazier
Title
Manager
Phone
9135739196
Signed
2016-05-23

Organization Details

Formed
1931
Legal Domicile
Ks
Voting Board Members
9
Independent Board Members
9
Employees
7
Volunteers
9
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Capital from merger in 2015”

Raw XML AppendixShowing 400 of 484 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
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide a source of credit to 1328 members
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0410268
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0699298
IRS990/ProgSrvcAccomActy3Grp/Desc0Paid dividends to 2916 members
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0104717
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0159037
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0129314
IRS990/PYOtherExpensesAmt0423985
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0759910
IRS990/PYRevenuesLessExpensesAmt0129748
IRS990/PYSalariesCompEmpBnftPaidAmt0335491
IRS990/PYTotalExpensesAmt0759476
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0889224
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0252531
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0230289
IRS990/ReconcilationRevenueExpnssAmt091304
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0156997
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03498193
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03743980
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08952628
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09927185
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt02382
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0137030
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0139412
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt019898869
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02382
IRS990ScheduleD/TotalLiabilityAmt019898869
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt013319
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt111277
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2177868
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt34393
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt42444
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt52363
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt6779
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt717846
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd70
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Home
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt017545
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt133484
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2210000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt37058
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt45000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt53000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt612456
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt724062
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0John Potter
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1John Potter
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Marci Frazier
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Julie Green
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Matt Kreig
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Mark Tayler
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6Mark Tayler
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7Mark Tayler
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Board Member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Board Member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Manager
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Board Member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Board Member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Board Member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6Board Member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7Board Member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd71
IRS990ScheduleL/TotalBalanceDueAmt0230289
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The board of directors delegates the day to day management to the President
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The credit union has 2916 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 has been done in 2015
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Board Meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Annual signing of consent forms
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The board of directors approves all salaries
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Financial statements are posted at the credit union
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Capital from merger in 2015
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 3

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$23,784,191
Liabilities
$20,040,211
Net assets
$3,743,980
Revenue
$1,016,557
Expenses
$925,253
Net income
$91,304
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