Civic Intelligence

Universal Credit Union

990 • Fiscal year 2014 • EIN 48-0623553

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 15, 2015

Organization Profile
117 South 8thIndependence, KS 67301

(620) 331-6320

Siviq Scores

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

Liabilities / Assets

13th percentile

0.62x

Higher debt load relative to assets than 13% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

35th percentile

13.47x

Higher debt load relative to revenue than 35% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

17th percentile

-12%

Higher net margin than 17% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

30th percentile

$15,500

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 33.7% of source-year revenue.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

21st percentile

-5.4%

Faster asset growth than 21% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

4th percentile

-20%

Faster revenue growth than 4% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets13th percentile

Assets

Down

$1,003,460

Down $57,744 (-5.4%) from 2013

Net Assets

Down

$384,611

Down $3,551 (-0.9%) from 2013

Liabilities

Down

$618,849

Down $54,193 (-8.1%) from 2013

Revenue And Expenses
Liabilities / Revenue35th percentileNet Margin17th percentile

Revenue

Down

$45,926

Down $11,272 (-20%) from 2013

Expenses

Down

$51,555

Down $3,565 (-6.5%) from 2013

Net Income

Down

-$5,629

Down $7,707 (-371%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth21st percentile

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

$1.5M$1.0M$500K$0Assets 2010: $1,009,539Liabilities 2010: $616,370Net Assets 2010: $393,1692010Assets 2011: $911,383Liabilities 2011: $523,607Net Assets 2011: $387,7762011Assets 2012: $1,010,692Liabilities 2012: $623,913Net Assets 2012: $386,7792012Assets 2013: $1,061,204Liabilities 2013: $673,042Net Assets 2013: $388,1622013Assets 2014: $1,003,460Liabilities 2014: $618,849Net Assets 2014: $384,6112014Assets 2015: $1,052,776Liabilities 2015: $678,969Net Assets 2015: $373,8072015Assets 2016: $875,798Liabilities 2016: $517,539Net Assets 2016: $358,2592016Assets 2017: $761,966Liabilities 2017: $403,581Net Assets 2017: $358,3852017Assets 2018: $978,553Liabilities 2018: $612,978Net Assets 2018: $365,5752018Assets 2019: $1,004,277Liabilities 2019: $633,106Net Assets 2019: $371,1712019Assets 2020: $1,158,238Liabilities 2020: $801,686Net Assets 2020: $356,5522020Assets 2021: $1,188,909Liabilities 2021: $835,785Net Assets 2021: $353,1242021

Highlighted filing

2014

Assets$1,003,460
Liabilities$618,849
Net Assets$384,611
Open 2014 Filing

Operations Trend

Revenue Growth4th percentile

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

$100K$50K$0-$50KExpenses 2010: $76,3712010Expenses 2011: $75,5552011Expenses 2012: $65,8022012Revenue 2013: $57,198Expenses 2013: $55,120Net Income 2013: $2,0782013Revenue 2014: $45,926Expenses 2014: $51,555Net Income 2014: -$5,6292014Revenue 2015: $41,666Expenses 2015: $50,125Net Income 2015: -$8,4592015Revenue 2016: $40,774Expenses 2016: $58,445Net Income 2016: -$17,6712016Revenue 2017: $42,830Expenses 2017: $42,704Net Income 2017: $1262017Revenue 2018: $50,475Expenses 2018: $43,285Net Income 2018: $7,1902018Revenue 2019: $61,383Expenses 2019: $55,787Net Income 2019: $5,5962019Revenue 2020: $58,417Expenses 2020: $73,036Net Income 2020: -$14,6192020Revenue 2021: $45,888Expenses 2021: $49,316Net Income 2021: -$3,4282021

Highlighted filing

2014

Revenue$45,926
Expenses$51,555
Net Income-$5,629
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 15, 2015
Return Version
2014v5.0
Gross Receipts
$45,926
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.

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$469,074$545,599▲ $76,525
Other Notes and Loans Receivable, Net$500,847$400,523▼ $100,324
Rtn Earn Endowment Incm Other Fnds$388,162$384,611▼ $3,551
Receivables From Officers Etc$15,399$34,687▲ $19,288
Cash and Non-Interest-Bearing Accounts$69,183$15,957▼ $53,226
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,061,204$1,003,460▼ $57,744
Other Assets Total$6,701$6,694▼ $7
Liabilities
Other Liabilities$669,393$616,703▼ $52,690
Accounts Payable and Accrued Expenses$1,571$2,146▲ $575
Deferred Revenue$2,078$0▼ $2,078
Total Liabilities$673,042$618,849▼ $54,193
Net Assets / Fund Balance
Total Net Assets Fund Balance$388,162$384,611▼ $3,551
Total Liabilities and Net Assets / Fund Balance$1,061,204$1,003,460▼ $57,744
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Laura KellerManagerPT$15,500$15,500

Board Members and Trustees

NameTitle
Richard HernandezChairman
Michel CarrVice Chairman
Chester GreenDirector
Daniel HeniseyDirector
David HendersonDirector
William ReynoldsDirector
Vernon Shaffer JrSecretary
Daniel HernandezTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$44,374
Investment Income
$1,552
Other Revenue
$0
Change in Net Assets
$-5,629
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$28,786
Salaries, Compensation, and Employee Benefits$22,769
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$15,500--$15,500
Office Expenses$7,440--$7,440
Occupancy$6,409--$6,409
Other Salaries and Wages$5,354--$5,354
Other Expenses$4,510$0$0$4,510
Fees for Services Accounting$3,236--$3,236
Other Employee Benefits$1,915--$1,915
Insurance$993--$993
Total Functional Expenses$51,555$0$0$51,555
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$15,399$34,687▲ $19,288
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$616,703
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
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 2

“Richard Hernandez, Chairman, is married to Karen Hernandez, Supervisory committee chair. Richard Hernandez and Daniel Hernandez, treasurer, are cousins. Daniel Henisey, director, is married to Cathy Henisey, supervisory committee member.”

Form 990, Part VI, Section A, Line 3

“Day to Day management of the credit union is delegated to Laura Keller”

Form 990, Part VI, Section A, Line 6

“The credit union is mutually owned by members”

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

“The Board of directors are elected by the credit Union members”

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

“Significant changes such as bylaw changes and mergers are subject to approval by the members, however no such changes were made during the year”

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

“The Manager reviews details of the Form 990 before presenting it to the Board of Directors for approval. This document is available by request”

Form 990, Part VI, Section B, Line 15

“The Board of Directs reviews and approves all compensation, including the Manager's. Deliberations and decisions are documented in the minutes”

Form 990, Part VI, Section C, Line 19

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

Filing and Contact Details

Filer

Filer Name
Universal Credit Union
EIN
48-0623553
Phone
6203316320
Address
117 South 8th, Independence, KS 67301

Signing Officer

Name
Laura Keller
Title
Manager
Phone
6203316320
Signed
2015-04-15

Organization Details

Principal Officer
Laura Keller
Formed
1935
Legal Domicile
Ks
Voting Board Members
8
Independent Board Members
8
Employees
2
Volunteers
8
Raw XML AppendixShowing 400 of 425 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/BOYAmt01571
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02146
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBER/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION
IRS990/BackupWthldComplianceInd00
IRS990/BenefitsToMembersGrp/ProgramServicesAmt00
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0LAURA KELLER
IRS990/BooksInCareOfDetail/PhoneNum06203316320
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0117 SOUTH 8TH
IRS990/BooksInCareOfDetail/USAddress/CityNm0INDEPENDENCE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0KS
IRS990/BooksInCareOfDetail/USAddress/ZIPCd067301
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt069183
IRS990/CashNonInterestBearingGrp/EOYAmt015957
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt015500
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt015500
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01552
IRS990/CYOtherExpensesAmt028786
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt044374
IRS990/CYRevenuesLessExpensesAmt0-5629
IRS990/CYSalariesCompEmpBnftPaidAmt022769
IRS990/CYTotalExpensesAmt051555
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt045926
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt02078
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd01
IRS990/Desc0PROVIDES FIANNCIAL AND FINANCIALLY RELATED SERVICES TO 302 MEMBERS
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt023522
IRS990/FamilyOrBusinessRlnInd01
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt03236
IRS990/FeesForServicesAccountingGrp/TotalAmt03236
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/ProgramServicesAmt00
IRS990/ForeignGrantsGrp/TotalAmt00
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/AverageHoursPerWeekRltdOrgRt816
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/AverageHoursPerWeekRt816
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/KeyEmployeeInd0X
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/PersonNm0RICHARD HERNANDEZ
IRS990/Form990PartVIISectionAGrp/PersonNm1MICHEL CARR
IRS990/Form990PartVIISectionAGrp/PersonNm2DANIEL HERNANDEZ
IRS990/Form990PartVIISectionAGrp/PersonNm3VERNON SHAFFER JR
IRS990/Form990PartVIISectionAGrp/PersonNm4CHESTER GREEN
IRS990/Form990PartVIISectionAGrp/PersonNm5DANIEL HENISEY
IRS990/Form990PartVIISectionAGrp/PersonNm6DAVID HENDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm7WILLIAM REYNOLDS
IRS990/Form990PartVIISectionAGrp/PersonNm8LAURA KELLER
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/ReportableCompFromOrgAmt815500
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/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8MANAGER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantAmt00
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt045926
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/InsuranceGrp/ProgramServicesAmt0993
IRS990/InsuranceGrp/TotalAmt0993
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01552
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01552
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt031
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0KS
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0388162
IRS990/NetAssetsOrFundBalancesEOYAmt0384611
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt06409
IRS990/OccupancyGrp/TotalAmt06409
IRS990/OfficeExpensesGrp/ProgramServicesAmt07440
IRS990/OfficeExpensesGrp/TotalAmt07440
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06701
IRS990/OtherAssetsTotalGrp/EOYAmt06694
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt01915
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01915
IRS990/OtherExpensesGrp/Desc0Association Dues
IRS990/OtherExpensesGrp/Desc1Lending Expenses
IRS990/OtherExpensesGrp/Desc2Member Dividends
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt02354
IRS990/OtherExpensesGrp/ProgramServicesAmt13844
IRS990/OtherExpensesGrp/ProgramServicesAmt24510
IRS990/OtherExpensesGrp/TotalAmt02354
IRS990/OtherExpensesGrp/TotalAmt13844
IRS990/OtherExpensesGrp/TotalAmt24510
IRS990/OtherLiabilitiesGrp/BOYAmt0669393
IRS990/OtherLiabilitiesGrp/EOYAmt0616703
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt05354
IRS990/OtherSalariesAndWagesGrp/TotalAmt05354
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0500847
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0400523
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0Laura Keller
IRS990/PriorPeriodAdjustmentsAmt02078
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fees and Charges
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt041085
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13289
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt041085
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13289
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2014 THERE WERE 276 LOANS OUTSTANDING TOTALING $445,207.53.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt023523
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt041085
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $4,715 FOR THE YEAR.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt04510
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYContributionsGrantsAmt00
IRS990/PYInvestmentIncomeAmt01718
IRS990/PYOtherExpensesAmt031174
IRS990/PYProgramServiceRevenueAmt055480
IRS990/PYRevenuesLessExpensesAmt02078
IRS990/PYSalariesCompEmpBnftPaidAmt023946
IRS990/PYTotalExpensesAmt055120
IRS990/PYTotalRevenueAmt057198
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt015399
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt034687
IRS990/ReconcilationRevenueExpnssAmt0-5629
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt03289
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0388162
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0384611
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0469074
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0545599
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0616703
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/TotalLiabilityAmt0616703
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt020216
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt13097
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt26647
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt34727
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/LoanPurposeTxt213000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt020500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt15282
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt213000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt35000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Richard N Hernandez
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Vernon Shaffer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2William Reynolds
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Chester Green
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/TotalBalanceDueAmt034687
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Richard Hernandez, Chairman, is married to Karen Hernandez, Supervisory committee chair. Richard Hernandez and Daniel Hernandez, treasurer, are cousins. Daniel Henisey, director, is married to Cathy Henisey, supervisory committee member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Day to Day management of the credit union is delegated to Laura Keller
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The credit union is mutually owned by members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Board of directors are elected by the credit Union members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Significant changes such as bylaw changes and mergers are subject to approval by the members, however no such changes were made during the year
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Manager reviews details of the Form 990 before presenting it to the Board of Directors for approval. This document is available by request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The Board of Directs reviews and approves all compensation, including the Manager's. Deliberations and decisions are documented in the minutes
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Financial statements are presented at the annual meeting and are available upon request. In addition, the NCUA website posts financial information as part of the quarterly call reports. Other documents, policies and procedures are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 11b
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/TotalAssetsBOYAmt01061204
IRS990/TotalAssetsEOYAmt01003460
IRS990/TotalAssetsGrp/BOYAmt01061204
IRS990/TotalAssetsGrp/EOYAmt01003460
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt051555
IRS990/TotalFunctionalExpensesGrp/TotalAmt051555
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0673042
IRS990/TotalLiabilitiesEOYAmt0618849
IRS990/TotalLiabilitiesGrp/BOYAmt0673042
IRS990/TotalLiabilitiesGrp/EOYAmt0618849
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0388162
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0384611
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt051555
IRS990/TotalProgramServiceRevenueAmt044374
IRS990/TotalReportableCompFromOrgAmt015500
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt045926
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt045926
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01061204
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01003460
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,003,460
Liabilities
$618,849
Net assets
$384,611
Revenue
$45,926
Expenses
$51,555
Net income
-$5,629
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$1.19$0.84$0.35$0.05$0.05$0.00
2020Detailed filing. Detailed filing data is available for this year.$1.16$0.80$0.36$0.06$0.07$0.01
2019Detailed filing. Detailed filing data is available for this year.$1.00$0.63$0.37$0.06$0.06$0.01
2018Detailed filing. Detailed filing data is available for this year.$0.98$0.61$0.37$0.05$0.04$0.01
2017Detailed filing. Detailed filing data is available for this year.$0.76$0.40$0.36$0.04$0.04$0.00
2016Detailed filing. Detailed filing data is available for this year.$0.88$0.52$0.36$0.04$0.06$0.02
2015Detailed filing. Detailed filing data is available for this year.$1.05$0.68$0.37$0.04$0.05$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.00$0.62$0.38$0.05$0.05$0.01
2013Detailed filing. Detailed filing data is available for this year.$1.06$0.67$0.39$0.06$0.06$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.01$0.62$0.39$0.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.91$0.52$0.39$0.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.01$0.62$0.39$0.08