Liabilities / Assets
78th percentile
Higher debt load relative to assets than 78% of similar nonprofits.
990 • Fiscal year 2016 • EIN 48-0570799
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
78th percentile
Higher debt load relative to assets than 78% of similar nonprofits.
Liabilities / Revenue
11th percentile
Higher debt load relative to revenue than 11% of similar nonprofits.
Net Margin
14th percentile
Higher net margin than 14% of similar nonprofits.
Top Officer Pay
17th percentile
Higher top officer pay than 17% of similar nonprofits.
Top officer pay equals 0.7% of source-year revenue.
Asset Growth
88th percentile
Faster asset growth than 88% of similar nonprofits.
Revenue Growth
84th percentile
Faster revenue growth than 84% of similar nonprofits.
Assets
Up$1,266,799,389
Up $156,873,837 (+14%) from 2015
Net Assets
Up$112,432,239
Up $5,105,973 (+4.8%) from 2015
Liabilities
Up$1,154,367,150
Up $151,767,864 (+15%) from 2015
Revenue
Up$71,975,320
Up $9,960,869 (+16%) from 2015
Expenses
Up$63,874,802
Up $9,107,399 (+17%) from 2015
Net Income
Up$8,100,518
Up $853,470 (+12%) from 2015
Meritrust credit union is a member-owned not-for-profit financial cooperative which exists to provide financial services while maintaining the highest ethical standards. Safe management of our members' assets is our main objective and we will manage our business in an economically sound manner.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $968,154,017 | $1,098,611,542 | ▲ $130,457,525 |
| Rtn Earn Endowment Incm Other Fnds | $107,326,266 | $112,432,239 | ▲ $5,105,973 |
| Cash and Non-Interest-Bearing Accounts | $60,626,643 | $86,241,018 | ▲ $25,614,375 |
| Land, Buildings, and Equipment, Net | $27,400,248 | $30,042,221 | ▲ $2,641,973 |
| Investments in Publicly Traded Securities | $18,172,805 | $13,316,094 | ▼ $4,856,711 |
| Investments Other Securities | $2,000,000 | $2,000,000 | → $0 |
| Prepaid Expenses and Deferred Charges | $3,689,360 | $1,583,049 | ▼ $2,106,311 |
| Accounts Receivable | $1,456,142 | $298,471 | ▼ $1,157,671 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $1,109,925,552 | $1,266,799,389 | ▲ $156,873,837 |
| Other Assets Total | $28,426,337 | $34,706,994 | ▲ $6,280,657 |
| Liabilities | |||
| Other Liabilities | $946,150,725 | $1,046,990,074 | ▲ $100,839,349 |
| Mortgage Notes Payable Secured by Investment Property | $46,571,000 | $94,071,000 | ▲ $47,500,000 |
| Accounts Payable and Accrued Expenses | $9,877,561 | $13,306,076 | ▲ $3,428,515 |
| Total Liabilities | $1,002,599,286 | $1,154,367,150 | ▲ $151,767,864 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $107,326,266 | $112,432,239 | ▲ $5,105,973 |
| Total Liabilities and Net Assets / Fund Balance | $1,109,925,552 | $1,266,799,389 | ▲ $156,873,837 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $19,147,536 | $6,493,345 | $25,640,881 |
| Equipment | $3,869,982 | $12,885,579 | $16,755,561 |
| Land | $6,894,458 | - | $6,894,458 |
| Leasehold Improvements | $130,245 | $158,833 | $289,078 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| James Nastars | President/CEO | FT | $358,664 | $157,830 | $516,494 |
| Wade Bruendl | Evp Strategy | FT | $205,834 | $42,979 | $248,813 |
| Brian Davidson | SVP Lending/CLO | FT | $198,120 | $42,997 | $241,117 |
| Randy Doerksen | CFO/VP Administration | FT | $195,801 | $43,909 | $239,710 |
| Evan Wilson | VP/chief Experience Officer | FT | $171,380 | $38,247 | $209,627 |
| Jamie Taulbee | VP Retail Banking | FT | $158,742 | $24,081 | $182,823 |
| Karen Callaway | VP/chief Risk Officer | FT | $140,658 | $30,583 | $171,241 |
| John Beckman | Director of Real Estate | FT | $130,305 | $6,991 | $137,296 |
| Clifford Shoff | Chief Technology Officer | FT | $125,307 | $3,717 | $129,024 |
| Donnelle Stewart | Controller | FT | $109,093 | $4,566 | $113,659 |
| Angela Back | Director of Deposit Strategies | FT | $108,647 | $4,761 | $113,408 |
| Name | Title |
|---|---|
| Marci Johnson | Board Chair |
| Steve Dunn | Board Vice Chairman |
| Duane Van Camp | Board Director |
| Rick Dodds | Board Scretary/treasurer |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Hutton Construction | Construction | 2229 S WEST ST, Wichita, KS 67213 | $2,188,849 |
| Alexander Open Systems | Network Storage | PO BOX 872380, Kansas City, MO 64187 | $1,670,383 |
| Digital Insight | Online/mobile Banking | PO BOX 515306, Los Angeles, CA 90051-6606 | $1,540,984 |
| Route 66 Warranty | Extended Warranties | PO BOX 1075, Mountain Home, AR 72654-1075 | $1,061,214 |
| Fiserv | Dna/software | PO BOX 99924, Grapevine, TX 76099 | $751,023 |
| Line Item | Amount |
|---|---|
| Other Expenses | $42,506,378 |
| Salaries, Compensation, and Employee Benefits | $21,368,424 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $14,210,693 |
| Interest | - | - | - | $11,474,719 |
| Other Employee Benefits | - | - | - | $3,814,250 |
| Information Technology | - | - | - | $3,230,455 |
| Office Expenses | - | - | - | $2,817,032 |
| Depreciation Depletion | - | - | - | $2,736,395 |
| Occupancy | - | - | - | $1,680,974 |
| Advertising | - | - | - | $1,672,341 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $1,637,617 |
| Payroll Taxes | - | - | - | $1,151,997 |
| All Other Expenses | - | - | - | $1,023,556 |
| Other Expenses | - | - | - | $718,711 |
| Fees for Services Management | - | - | - | $650,324 |
| Pension Plan Contributions | - | - | - | $553,867 |
| Fees for Services Other | - | - | - | $443,070 |
| Conferences and Meetings | - | - | - | $290,966 |
| Payments to Affiliates | - | - | - | $181,618 |
| Insurance | - | - | - | $175,890 |
| Fees for Services Accounting | - | - | - | $172,838 |
| Fees for Services Legal | - | - | - | $118,903 |
| Total Functional Expenses | $0 | $0 | $0 | $63,874,802 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Shares and Ira Certificates | $374,360,066 |
| Money Market Accounts | $197,807,466 |
| Shares | $168,797,827 |
| Share Drafts | $139,446,856 |
| Non-member Certificates | $114,043,752 |
| Ira Shares | $52,534,107 |
“The credit union has members.”
“The credit union membership may participate in the election of officials.”
“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”
“The cfo is responsible for the preparation of the return. The return is reviewed by the controller and the board of directors. Once the review and any necessary corrections are completed, the return is filed.”
“All meritrust officials review and execute their acknowledgment and commitment to the code of conduct policy, including the conflict of interest statement of disclosure at the beginning of their term in office. If a credit union official believes they may have a conflict of interest, they must promptly and fully disclose the potential conflict to the chief executive officer and the chairperson of the board in accordance with policy.”
“The credit union uses a compensation system called compease. Compease purchases and compiles data from a variety of sources including but not limited to cuna complete staff salary survey report, aba compensation and benefits survey report, hr performance solutions financial comp salary survey, and compdata financial institutions salary survey. Included in the data are approximately 100 credit unions and 500 total companies and financial institutions (data is weighted to the credit union side). Company size and geographic area are also considerations.”
“Governing documents and conflict of interest policies are not made available to the public. Financial statements are made available to the public on the ncua's website via the 5300 call report filing.”
“Maintenance 628,357. Loss on mortgages 197,721. State exam fees 197,478.”
“Net change in defined benefit plan -3,015,109.”
“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”
“The credit union is exempt from most federal, state, and local taxes under the provisions of the internal revenue code and state tax laws. The income taxes topic of the fasb asc clarifies accounting for uncertainty in income taxes reported in the consolidated financial statements. The interpretation provides criteria for assessment of individual tax positions and a process for recognition and measurement of uncertain tax positions. Tax positions are evaluated on whether they meet the "more likely than not" standard for sustainability upon examination by tax authorities. The credit union is a state-chartered credit union as defined in internal revenue code (irc) section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities directly related to its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (ubi) derived by state-chartered credit unions. Beginning in march 2008, the internal revenue service (irs) released technical advice memorandums (tams) to specific state-chartered credit unions specifying the revenue sources subject to unrelated business income tax (ubit). Ubi may also be subject to tax in certain states. Management has assessed the credit union's activities and any potential federal or state income tax liability and determined that the credit union has no uncertain tax positions that qualify for either recognition or disclosure in the consolidated financial statements. Additionally, no interest and penalties have been recorded in the accompanying consolidated financial statements related to uncertain tax positions. Currently, the 2015, 2014, and 2013 federal income tax returns are open for examination by the irs. The filing years open for examination by the state, if applicable, may be equal to, greater than or less than the years open for examination by the irs.”
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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 9877561 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 13306076 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 1456142 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 298471 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | MERITRUST CREDIT UNION IS A MEMBER-OWNED NOT-FOR-PROFIT FINANCIAL COOPERATIVE WHICH EXISTS TO PROVIDE FINANCIAL SERVICES WHILE MAINTAINING THE HIGHEST ETHICAL STANDARDS. SAFE MANAGEMENT OF OUR MEMBERS' ASSETS IS OUR MAIN OBJECTIVE AND WE WILL MANAGE OUR BUSINESS IN AN ECONOMICALLY SOUND MANNER. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 1672341 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 1023556 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 0 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | JAMES NASTARS |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3166831199 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 8710 EAST 32ND STREET NORTH |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | WICHITA |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | KS |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 67226 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 60626643 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 86241018 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 37 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 1637617 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 290966 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 1 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 2188849 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 1670383 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 1540984 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 3 | 1061214 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 4 | 751023 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 2229 S WEST ST |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | PO BOX 872380 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | PO BOX 515306 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 3 | PO BOX 1075 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 4 | PO BOX 99924 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | WICHITA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | KANSAS CITY |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | LOS ANGELES |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 3 | MOUNTAIN HOME |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 4 | GRAPEVINE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | KS |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | MO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 3 | AR |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 4 | TX |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 67213 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 64187 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 2 | 900516606 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 3 | 726541075 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 4 | 76099 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | HUTTON CONSTRUCTION |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | ALEXANDER OPEN SYSTEMS |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 2 | DIGITAL INSIGHT |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 3 | ROUTE 66 WARRANTY |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 4 | FISERV |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | CONSTRUCTION |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | NETWORK STORAGE |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | ONLINE/MOBILE BANKING |
| IRS990/ContractorCompensationGrp/ServicesDesc | 3 | EXTENDED WARRANTIES |
| IRS990/ContractorCompensationGrp/ServicesDesc | 4 | DNA/SOFTWARE |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1229669 |
| IRS990/CYOtherExpensesAmt | 0 | 42506378 |
| IRS990/CYOtherRevenueAmt | 0 | 7859069 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 62886582 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 8100518 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 21368424 |
| IRS990/CYTotalExpensesAmt | 0 | 63874802 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 71975320 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 2736395 |
| IRS990/Desc | 0 | INCOME FROM THE CREDIT UNION MEMBERSHIP AND INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 373 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 172838 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 118903 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 650324 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 443070 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 9531 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 13478 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 11699 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 13308 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 12425 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 9761 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 2602 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 3717 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 6991 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 4566 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 4761 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | MARCI JOHNSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | STEVE DUNN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | RICK DODDS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | DUANE VAN CAMP |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JAMES NASTARS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | RANDY DOERKSEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | WADE BRUENDL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | BRIAN DAVIDSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | EVAN WILSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | KAREN CALLAWAY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | JAMIE TAULBEE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | CLIFFORD SHOFF |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | JOHN BECKMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | DONNELLE STEWART |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | ANGELA BACK |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 506963 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 226232 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 237114 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 227809 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 197202 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 161480 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 180221 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 125307 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 130305 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 109093 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 108647 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | BOARD CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD SCRETARY/TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | CFO/VP ADMINISTRATION |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | EVP STRATEGY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | SVP LENDING/CLO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | VP/CHIEF EXPERIENCE OFFICER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | VP/CHIEF RISK OFFICER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | VP RETAIL BANKING |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | CHIEF TECHNOLOGY OFFICER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | DIRECTOR OF REAL ESTATE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | CONTROLLER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | DIRECTOR OF DEPOSIT STRATEGIES |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1936 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -361 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 5 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 56596 |
| IRS990/GrossReceiptsAmt | 0 | 72032277 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 14 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 3230455 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 175890 |
| IRS990/InterestGrp/TotalAmt | 0 | 11474719 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1230030 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1230030 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 2000000 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 2000000 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 18172805 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 13316094 |
| IRS990/IRPDocumentCnt | 0 | 13253 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 19537757 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 27400248 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 30042221 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 49579978 |
| IRS990/LegalDomicileStateCd | 0 | KS |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 56957 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | MERITRUST CREDIT UNION IS A MEMBER-OWNED NOT-FOR-PROFIT FINANCIAL COOPERATIVE WHICH EXISTS TO PROVIDE FINANCIAL SERVICES WHILE MAINTAINING THE HIGHEST ETHICAL STANDARDS. SAFE MANAGEMENT OF OUR MEMBERS' ASSETS IS OUR MAIN OBJECTIVE AND WE WILL MANAGE OUR BUSINESS IN AN ECONOMICALLY SOUND MANNER. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 46571000 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 94071000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 107326266 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 112432239 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -361 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -361 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 20564 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 1680974 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 2817032 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 28426337 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 34706994 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -3015109 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 3814250 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 2 | VISA INTERCHANGE/DPS FE |
| IRS990/OtherExpensesGrp/Desc | 3 | MISCELLANEOUS EXPENSES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 10213222 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 3069806 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 1835558 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 718711 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 946150725 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 1046990074 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | MISCELLANEOUS INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 7859069 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 7859069 |
| IRS990/OtherRevenueTotalAmt | 0 | 7859069 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 14210693 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 968154017 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 1098611542 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 181618 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 1151997 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 553867 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 3689360 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 1583049 |
| IRS990/PrincipalOfficerNm | 0 | JAMES NASTARS |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 523000 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 4 | 524298 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INCOME FROM LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES/CHARGES |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | NON-MEMBER ATM FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | UNRELATED INVESTMENT INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | UNRELATED WARRANTY INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 51496945 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 10985924 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 51496945 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 10985924 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 140824 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 126891 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 121958 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 140824 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 126891 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 121958 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 739495 |
| IRS990/PYOtherExpensesAmt | 0 | 36645285 |
| IRS990/PYOtherRevenueAmt | 0 | 8641520 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 52633436 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 7247048 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 18122118 |
| IRS990/PYTotalExpensesAmt | 0 | 54767403 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 62014451 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 8100518 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 1 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 1 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 107326266 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 112432239 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 19147536 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 6493345 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 25640881 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 3869982 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 12885579 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 16755561 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 6894458 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 6894458 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 130245 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 158833 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 289078 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 139446856 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 168797827 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 197807466 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 52534107 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 374360066 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 5 | 114043752 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARE DRAFTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | MONEY MARKET ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | IRA SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | SHARES AND IRA CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 5 | NON-MEMBER CERTIFICATES |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE TAX LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE (IRS) RELEASED TECHNICAL ADVICE MEMORANDUMS (TAMS) TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2015, 2014, AND 2013 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 30042221 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 1046990074 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 358664 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 195801 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 2 | 205834 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 3 | 198120 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 4 | 171380 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 5 | 140658 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 6 | 158742 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 45001 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 30431 |
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Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.