Civic Intelligence

Azura Credit Union

990 • Fiscal year 2012 • EIN 48-0625190

Jan 01, 2012 to Dec 31, 2012 • Filed on Sep 12, 2013

Organization ProfileWWW.AZURACU.COM

View Organization Page

PO Box 112866601-1128
Siviq Scores

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

Liabilities / Assets

66th percentile

0.91x

Higher debt load relative to assets than 66% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

25th percentile

3.0%

Faster asset growth than 25% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets66th percentile

Assets

Up

$265,791,454

Up $7,647,022 (+3.0%) from 2011

Net Assets

Up

$24,467,783

Up $1,421,248 (+6.2%) from 2011

Liabilities

Up

$241,323,671

Up $6,225,774 (+2.6%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$9,785,684

Down $528,483 (-5.1%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth25th percentile

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

$1.0B$500M$0Assets 2008: $81,294,985Liabilities 2008: $72,560,959Net Assets 2008: $8,734,0262008Assets 2010: $232,487,992Liabilities 2010: $210,364,305Net Assets 2010: $22,123,6872010Assets 2011: $258,144,432Liabilities 2011: $235,097,897Net Assets 2011: $23,046,5352011Assets 2012: $265,791,454Liabilities 2012: $241,323,671Net Assets 2012: $24,467,7832012Assets 2013: $271,949,290Liabilities 2013: $246,827,309Net Assets 2013: $25,121,9812013Assets 2014: $261,037,399Liabilities 2014: $234,890,750Net Assets 2014: $26,146,6492014Assets 2015: $269,124,004Liabilities 2015: $242,360,338Net Assets 2015: $26,763,6662015Assets 2016: $473,326,741Liabilities 2016: $425,478,253Net Assets 2016: $47,848,4882016Assets 2018: $481,919,271Liabilities 2018: $427,332,391Net Assets 2018: $54,586,8802018Assets 2019: $527,290,156Liabilities 2019: $468,061,978Net Assets 2019: $59,228,1782019Assets 2020: $634,094,379Liabilities 2020: $570,463,918Net Assets 2020: $63,630,4612020Assets 2021: $682,703,343Liabilities 2021: $609,696,819Net Assets 2021: $73,006,5242021Assets 2024: $806,120,563Liabilities 2024: $724,495,481Net Assets 2024: $81,625,0822024

Highlighted filing

2012

Assets$265,791,454
Liabilities$241,323,671
Net Assets$24,467,783
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$60M$40M$20M$0Expenses 2008: $4,801,6112008Expenses 2010: $8,692,4422010Expenses 2011: $10,314,1672011Expenses 2012: $9,785,6842012Revenue 2013: $10,230,706Expenses 2013: $9,302,876Net Income 2013: $927,8302013Revenue 2014: $10,244,465Expenses 2014: $9,314,758Net Income 2014: $929,7072014Revenue 2015: $9,929,135Expenses 2015: $9,178,268Net Income 2015: $750,8672015Revenue 2016: $18,256,935Expenses 2016: $15,631,908Net Income 2016: $2,625,0272016Revenue 2018: $25,975,630Expenses 2018: $22,143,755Net Income 2018: $3,831,8752018Revenue 2019: $28,768,772Expenses 2019: $25,093,164Net Income 2019: $3,675,6082019Revenue 2020: $29,147,965Expenses 2020: $25,400,575Net Income 2020: $3,747,3902020Revenue 2021: $33,958,013Expenses 2021: $24,261,793Net Income 2021: $9,696,2202021Revenue 2024: $58,239,569Expenses 2024: $56,925,248Net Income 2024: $1,314,3212024

Highlighted filing

2012

Revenue-
Expenses$9,785,684
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Sep 12, 2013
Return Version
2012v2.1
Gross Receipts
$11,014,416
Mission and Program Overview

Mission

Azura is enhancing lives by delivering innovative financial service, education, and value through personal and community engagement.

Major Activities

Activity 2
Provides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2012, there were 9,930 loans outstanding totaling $90,071,459.
Activity 3
Paid dividends on member deposits totaling $1,985,067 for the year.
Filing and Contact Details

Filer

EIN
48-0625190
Raw XML AppendixShowing 400 of 471 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/AccountantCompileOrReview00
IRS990/AccountsPayableAccruedExpenses/BOY0470322
IRS990/AccountsPayableAccruedExpenses/EOY01886606
IRS990/AccountsReceivable/BOY0138616
IRS990/AccountsReceivable/EOY0118804
IRS990/ActivitiesConductedPartnership00
IRS990/Activity2/Description0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2012, THERE WERE 9,930 LOANS OUTSTANDING TOTALING $90,071,459.
IRS990/Activity3/Description0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $1,985,067 FOR THE YEAR.
IRS990/ActivityOrMissionDescription0QUEST CREDIT UNION WILL EXCEED MEMBER EXPECTATIONS IN OUR COMMITMENT TO THEIR FINANCIAL SUCCESS.
IRS990/ActivityOther/Description0IN 2012, THE CREDIT UNION ADDED MOBILE BANKING SERVICES FOR MEMBERS.
IRS990/AddressPrincipalOfficerUS/AddressLine10PO BOX 1128
IRS990/AddressPrincipalOfficerUS/City0TOPEKA
IRS990/AddressPrincipalOfficerUS/State0KS
IRS990/AddressPrincipalOfficerUS/ZIPCode0666011128
IRS990/Advertising/Total0257712
IRS990/AllOtherExpenses/Total070274
IRS990/AnnualDisclosureCoveredPersons01
IRS990/AuditCommittee01
IRS990/BenefitsPaidToMembersCY097466
IRS990/BenefitsPaidToMembersPriorYear098622
IRS990/BenefitsToMembers/Total097466
IRS990/BsnssRltnshpThruFamilyMember00
IRS990/BsnssRltnshpWithOrganization00
IRS990/CapStckTrstPrinCurrentFunds/BOY00
IRS990/CapStckTrstPrinCurrentFunds/EOY00
IRS990/CashNonInterestBearing/BOY03983784
IRS990/CashNonInterestBearing/EOY04945387
IRS990/ChangesToOrganizingDocs00
IRS990/CollectionsOfArt00
IRS990/CompCurrentOfficersDirectors/Total0600011
IRS990/CompensationFromOtherSources00
IRS990/CompensationProcessCEO01
IRS990/CompensationProcessOther01
IRS990/ComplianceWithBackupWitholding01
IRS990/ConferencesMeetings/Total085671
IRS990/ConflictOfInterestPolicy01
IRS990/ConservationEasements00
IRS990/ConsolidatedAuditFinancialStmt00
IRS990/ContributionsGrantsCurrentYear00
IRS990/ContributionsGrantsPriorYear00
IRS990/CreditCounseling01
IRS990/DecisionsSubjectToApproval01
IRS990/DeductibleContributionsOfArt00
IRS990/DeductibleNonCashContributions00
IRS990/DelegationOfManagementDuties00
IRS990/DepreciationDepletion/Total0506794
IRS990/DescribedIn501C300
IRS990/Description0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 32,087 MEMBERS.
IRS990/DisregardedEntity00
IRS990/DocumentRetentionPolicy01
IRS990/DonorAdvisedFunds00
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers01
IRS990/EmploymentTaxReturnsFiled01
IRS990/EscrowAccountLiability/BOY0269214
IRS990/EscrowAccountLiability/EOY0278023
IRS990/FamilyOrBusinessRelationship00
IRS990/FederalGrantAuditRequired00
IRS990/FeesForServicesAccounting/Total0116347
IRS990/FeesForServicesInvstMgmntFees/Total062569
IRS990/FeesForServicesLegal/Total02414
IRS990/FeesForServicesOther/Total0233353
IRS990/ForeignActivities00
IRS990/ForeignFinancialAccount00
IRS990/ForeignOffice00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek02.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek12.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek22.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek32.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek42.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek52.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek62.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek72.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek82.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek940.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1040.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1140.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector7X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector8X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector9X
IRS990/Form990PartVIISectionA/NamePerson0BOBB COLLIE
IRS990/Form990PartVIISectionA/NamePerson1WILLIAM MIKE LACKEY
IRS990/Form990PartVIISectionA/NamePerson2BRYAN VARGAS
IRS990/Form990PartVIISectionA/NamePerson3GELENE SAVAGE
IRS990/Form990PartVIISectionA/NamePerson4BRADFORD DEITER
IRS990/Form990PartVIISectionA/NamePerson5DONALD FRICK
IRS990/Form990PartVIISectionA/NamePerson6BRADFORD DEITER
IRS990/Form990PartVIISectionA/NamePerson7JO ANN GOEDEKE
IRS990/Form990PartVIISectionA/NamePerson8TERRY HEIDNER
IRS990/Form990PartVIISectionA/NamePerson9GARY COLCHER
IRS990/Form990PartVIISectionA/NamePerson10VICKIE HURT
IRS990/Form990PartVIISectionA/NamePerson11DENNIS CURRY
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/Officer2X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/OtherCompensation80
IRS990/Form990PartVIISectionA/OtherCompensation9123367
IRS990/Form990PartVIISectionA/OtherCompensation10106975
IRS990/Form990PartVIISectionA/OtherCompensation1117021
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization70
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization80
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization9123399
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10120043
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization11109206
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs80
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs90
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs100
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs110
IRS990/Form990PartVIISectionA/Title0CHAIRMAN
IRS990/Form990PartVIISectionA/Title1VICE CHAIRMAN
IRS990/Form990PartVIISectionA/Title2TREASURER
IRS990/Form990PartVIISectionA/Title3SECRETARY
IRS990/Form990PartVIISectionA/Title4DIRECTOR
IRS990/Form990PartVIISectionA/Title5DIRECTOR
IRS990/Form990PartVIISectionA/Title6DIRECTOR
IRS990/Form990PartVIISectionA/Title7DIRECTOR
IRS990/Form990PartVIISectionA/Title8DIRECTOR
IRS990/Form990PartVIISectionA/Title9CO-PRESIDENT/CEO/DIRECTOR
IRS990/Form990PartVIISectionA/Title10CO-PRESIDENT/CEO
IRS990/Form990PartVIISectionA/Title11EXECUTIVE VICE PRESIDENT, LOANS
IRS990/Form990ProvidedToGoverningBody00
IRS990/Form990-TFiled01
IRS990/FormersListed00
IRS990/FSAudited01
IRS990/FSAuditedBasis/FinancialStatementSeparate0X
IRS990/FundraisingActivities00
IRS990/GainOrLoss/Other0-9408
IRS990/Gaming00
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsAndSimilarAmntsPriorYear00
IRS990/GrantsToIndividuals00
IRS990/GrantsToOrganizations00
IRS990/GrantToRelatedPerson00
IRS990/GrossAmountSalesAssets/Other018192
IRS990/GrossReceipts011014416
IRS990/GroupReturnForAffiliates00
IRS990/Hospital00
IRS990/IndependentAuditFinancialStmt01
IRS990/IndoorTanningServices00
IRS990/InfoInScheduleOPartIII0X
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/Insurance/Total087106
IRS990/InvestmentIncomeCurrentYear02612431
IRS990/InvestmentIncomePriorYear02549792
IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome02621839
IRS990/InvestmentIncome/TotalRevenueColumn02621839
IRS990/InvestmentInJointVenture01
IRS990/InvestmentsOtherSecurities/BOY01191569
IRS990/InvestmentsOtherSecurities/EOY06353875
IRS990/InvestmentsPubTradedSecurities/BOY0116126721
IRS990/InvestmentsPubTradedSecurities/EOY0129547786
IRS990/LandBldgEquipmentAccumDeprec04582297
IRS990/LandBuildingsEquipmentBasis010394967
IRS990/LandBuildingsEquipmentBasisNet/BOY06159868
IRS990/LandBuildingsEquipmentBasisNet/EOY05812670
IRS990/LessCostOthBasisSalesExpenses/Other027600
IRS990/LoanToOfficerOrDQP00
IRS990/LocalChapters01
IRS990/MaterialDiversionOrMisuse00
IRS990/MembersOrStockholders01
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees01
IRS990/MinutesOfGoverningBody01
IRS990/MissionDescription0QUEST CREDIT UNION WILL EXCEED MEMBER EXPECTATIONS IN OUR COMMITMENT TO THEIR FINANCIAL SUCCESS.
IRS990/MoreThan5000KToIndividuals00
IRS990/MoreThan5000KToOrganizations00
IRS990/NameOfPrincipalOfficerPerson0VICKIE HURT
IRS990/NbrIndependentVotingMembers09
IRS990/NbrVotingGoverningBodyMembers09
IRS990/NbrVotingMembersGoverningBody09
IRS990/NetAssetsOrFundBalancesBOY023046535
IRS990/NetAssetsOrFundBalancesEOY024467783
IRS990/NetGainOrLossInvestments/RelatedOrExemptFunctionIncome0-9408
IRS990/NetGainOrLossInvestments/TotalRevenueColumn0-9408
IRS990/NetUnrelatedBusinessTxblIncome0-18770
IRS990/NonDeductibleContributions00
IRS990/NumberFormsTransmittedWith109607763
IRS990/NumberIndependentVotingMembers09
IRS990/NumberIndividualsGT100K03
IRS990/NumberOfContractorsGT100K00
IRS990/NumberOfEmployees076
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total0243016
IRS990/OfficeExpenses/Total01522673
IRS990/OfficerEntityWithBsnssRltnshp00
IRS990/OfficerMailingAddress00
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY03725610
IRS990/OtherAssetsTotal/EOY03955498
IRS990/OtherEmployeeBenefits/Total0305843
IRS990/OtherExpensePriorYear07168449
IRS990/OtherExpensesCurrentYear06370062
IRS990/OtherExpenses/Description0MEMBER DIVIDENDS
IRS990/OtherExpenses/Description1PROVISION FOR LOAN LOSS
IRS990/OtherExpenses/Description2LOAN SERVICING
IRS990/OtherExpenses/Description3NCUSIF ASSESSMENTS
IRS990/OtherExpenses/Total01985067
IRS990/OtherExpenses/Total1739191
IRS990/OtherExpenses/Total2232376
IRS990/OtherExpenses/Total3225499
IRS990/OtherLiabilities/BOY0234358361
IRS990/OtherLiabilities/EOY0239159042
IRS990/OtherNotesLoansReceivableNet/BOY095469109
IRS990/OtherNotesLoansReceivableNet/EOY088780884
IRS990/OtherRevenueCurrentYear0186654
IRS990/OtherRevenuePriorYear085099
IRS990/OtherSalariesAndWages/Total02103465
IRS990/PaidInCapSrplsLandBldgEqpFund/BOY00
IRS990/PaidInCapSrplsLandBldgEqpFund/EOY00
IRS990/PartialLiquidation00
IRS990/PayrollTaxes/Total0195242
IRS990/PensionPlanContributions/Total0113595
IRS990/PoliciesReferenceChapters01
IRS990/PoliticalActivities00
IRS990/PrepaidExpensesDeferredCharges/BOY0386277
IRS990/PrepaidExpensesDeferredCharges/EOY0471375
IRS990/ProfessionalFundraising00
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenue/BusinessCode2522100
IRS990/ProgramServiceRevenue/BusinessCode3522100
IRS990/ProgramServiceRevenue/BusinessCode4522100
IRS990/ProgramServiceRevenueCY08187731
IRS990/ProgramServiceRevenue/Description0INTEREST ON LOANS
IRS990/ProgramServiceRevenue/Description1FEES & OTHER INCOME
IRS990/ProgramServiceRevenue/Description2NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenue/Description3WARRANTY SALES
IRS990/ProgramServiceRevenue/Description4OTHER INSURANCE SERVICES
IRS990/ProgramServiceRevenuePriorYear08468005
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome05873992
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome12271667
IRS990/ProgramServiceRevenue/TotalRevenueColumn05873992
IRS990/ProgramServiceRevenue/TotalRevenueColumn12271667
IRS990/ProgramServiceRevenue/TotalRevenueColumn228344
IRS990/ProgramServiceRevenue/TotalRevenueColumn310950
IRS990/ProgramServiceRevenue/TotalRevenueColumn42778
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue028344
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue110950
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue22778
IRS990/ProhibitedTaxShelterTrans00
IRS990/ReconcilationOtherChanges0-671
IRS990/ReconcilationRevenueExpenses01201132
IRS990/ReconciliationUnrealizedInvest0220787
IRS990/RegularMonitoringEnforcement00
IRS990/RelatedEntity00
IRS990/RelatedOrgControlledEntity00
IRS990/ReportFin48Footnote01
IRS990/ReportInvestOthSecurities00
IRS990/ReportLandBldgEquip01
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities01
IRS990/ReportProgRelInvest00
IRS990/RetainedEarningsEndowmentEtc/BOY023046535
IRS990/RetainedEarningsEndowmentEtc/EOY024467783
IRS990/RevenuesLessExpensesCY01201132
IRS990/RevenuesLessExpensesPriorYear0788729
IRS990/RoyaltiesRevenue/RelatedOrExemptFunctionIncome0186654
IRS990/RoyaltiesRevenue/TotalRevenueColumn0186654
IRS990/SalariesEtcCurrentYear03318156
IRS990/SalariesEtcPriorYear03047096
IRS990/SavingsAndTempCashInvestments/BOY030962878
IRS990/SavingsAndTempCashInvestments/EOY025805175
IRS990/ScheduleBRequired00
IRS990ScheduleD/AgentTrusteeEtc00
IRS990ScheduleD/Buildings/BookValue04031113
IRS990ScheduleD/Buildings/Depreciation02126863
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis06157976
IRS990ScheduleD/Equipment/BookValue0662714
IRS990ScheduleD/Equipment/Depreciation01962139
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis02624853
IRS990ScheduleD/ExpensesNotRptdF99000
IRS990ScheduleD/ExpensesNotRptdOnFinStmt00
IRS990ScheduleD/ExpensesSubtotal09785684
IRS990ScheduleD/ExplanationInPartXIII0X
IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS.
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation1THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL AND STATE INCOME TAXES EXCEPT FOR CERTAIN PRODUCTS AND SERVICES SUCH AS FINANCIAL MEMBER SERVICES, CAR WARRANTIES, AND GUARANTEED AUTO PROTECTION (GAP) INSURANCE WHICH HAS BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS), IN TECHNICAL ADVICE MEMORANDUMS RELEASED IN 2007, TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE. AS PRESENTED IN THE TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES IS SUBJECT TO INCOME TAXES UNDER THE UNRELATED BUSINESS INCOME TAX (UBIT) REGULATIONS. RECENT COURT DECISIONS HAVE BEEN RENDERED IN RESPONSE TO LEGAL CHALLENGES FROM INDIVIDUAL CREDIT UNIONS AGAINST THE IRS DIRECTED AT THE TECHNICAL ADVICE MEMORANDUM RELEASED IN 2007. THE TWO COURT RULINGS REJECTED THE IRS'S ANALYSIS OF HOW UBIT SHOULD APPLY TO CREDIT UNIONS BY DETERMINING THAT THE ABOVE PRODUCTS AND SERVICES WERE SUBSTANTIALLY RELATED TO CREDIT UNIONS' TAX-EXEMPT PURPOSE AND THEREFORE, NOT SUBJECT TO UBIT. THE IRS HAS APPEALED ONE OF THE COURT RULINGS. CREDIT UNION MANAGEMENT ACCEPTS THE LEGAL DECISIONS RENDERED BY THE COURTS AND HAS CHOSEN NOT TO CONSIDER THE ABOVE MENTIONED PRODUCTS AND SERVICES TO BE SUBJECT TO UBIT. THE CREDIT UNION HAS FILED THE 990 AND 990-T TAX RETURNS UP TO 2012 EXCLUDING THOSE PRODUCTS AND SERVICES, AND INTENDS TO FILE THE 2012 990 AND 990-T TAX RETURNS UNDER THE SAME APPROACH. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES, AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY ESTIMATED LIABILITY RECORDED AND ANY POTENTIAL ADDITIONAL LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING ADDITIONAL TAXES, PENALTIES, AND INTEREST ON THE TAXES DUE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIOD IN PROGRESS. THE CREDIT UNION BELIEVES IT IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR YEARS PRIOR TO 2008.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0PART IV, LINE 2B:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference1PART X, LINE 2:
IRS990ScheduleD/IncludedOnFS01
IRS990ScheduleD/Land/BookValue01078853
IRS990ScheduleD/Land/OtherCostOrOtherBasis01078853
IRS990ScheduleD/LeaseholdImprovements/BookValue029463
IRS990ScheduleD/LeaseholdImprovements/Depreciation0491676
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis0521139
IRS990ScheduleD/OtherLandBuildings/BookValue010527
IRS990ScheduleD/OtherLandBuildings/Depreciation01619
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis012146
IRS990ScheduleD/OtherLiabilities/Amount0239159042
IRS990ScheduleD/OtherLiabilities/Description0MEMBER SHARE DEPOSITS
IRS990ScheduleD/RevenueNotRptdF99000
IRS990ScheduleD/RevenueNotRptdOnFinStmt00
IRS990ScheduleD/RevenueSubtotal010986816
IRS990ScheduleD/TotalExpensesPerForm99009785684
IRS990ScheduleD/TotalOfAmounts0239159042
IRS990ScheduleD/TotalOfBookValueLandBuildings05812670
IRS990ScheduleD/TotalRevenuePerForm990010986816
IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt09785684
IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt010986816
IRS990ScheduleJ/BoardOrCommitteeApproval0X
IRS990ScheduleJ/CompensationCommittee0X
IRS990ScheduleJ/CompensationSurvey0X
IRS990ScheduleJ/EquityBasedCompArrangement00
IRS990ScheduleJ/Form990OfOtherOrganizations0X
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0123399
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg1120043
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg10
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg10
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg0109948
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg1100233
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation0THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS PERFORMANCE AND DETERMINES COMPENSATION FOR BOTH OF THE CO-PRESIDENT'S/CEO'S USING VARIOUS INFORMATION, INCLUDING THE COMPEASE SALARY ADMINISTRATION PROGRAM.
IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation1THE CREDIT UNION MAINTAINS SUPPLEMENTAL EXECUTIVE RETIREMENT PLANS FOR KEY SENIOR EXECITIVES IF THEY REMAIN EMPLOYED BY THE CREDIT UNION FOR A SPECIFIED PERIOD OF TIME. THE ESTIMATED LIABILITY UNDER THE AGREEMENTS IS BEING ACCRUED AS DEFINED IN THE PLANS OVER THE REMAINING YEARS OF SERVICE. THE CONTRIBUTIONS INTO THE PLANS ARE ACCRUED AS COMPENSATION EXPENSE AND FUNDED ON A CURRENT BASIS. THE APPLICABLE EXECUTIVES AND AMOUNTS EXPENSED IN 2012 ARE LISTED BELOW: GARY COLCHER, CO-PRESIDENT/CEO/DIRECTOR - $89,775 VICKIE HURT, CO-PRESIDENT/CEO - $88,327 NO AMOUNTS WERE PAID OUT IN 2012.
IRS990ScheduleJ/Form990ScheduleJPartIII/ReturnReference0PART I, LINE 3
IRS990ScheduleJ/Form990ScheduleJPartIII/ReturnReference1PART I, LINE 4B
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0GARY COLCHER
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson1VICKIE HURT
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg013419
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg16742
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg10
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/Title0CO-PRESIDENT/CEO/DIRECTOR
IRS990ScheduleJ/Form990ScheduleJPartII/Title1CO-PRESIDENT/CEO
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0246766
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg1227018
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs10
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SupplementalNonqualRetirePlan01
IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/GeneralExplanation/Explanation3THE RESPONSIBILITY FOR REVIEWING THE FORM 990 IS DELEGATED TO THE CO-PRESIDENT/CEO, WHO IN TURN, REVIEWS DETAILS WITH OTHER CREDIT UNION MANAGEMENT BEFORE FILING.
IRS990ScheduleO/GeneralExplanation/Explanation4THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS PERFORMANCE AND DETERMINES COMPENSATION FOR BOTH OF THE CO-PRESIDENT'S/CEO'S USING VARIOUS INFORMATION, INCLUDING THE COMPEASE SALARY ADMINISTRATION PROGRAM. ALL OTHER MANAGEMENT COMPENSATION IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/GeneralExplanation/Explanation5FINANCIAL 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/GeneralExplanation/Explanation6OTHER ADJUSTMENTS TO UNDIVIDED EARNINGS -671.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART XI, LINE 9:
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0KS
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$265,791,454
Liabilities
$241,323,671
Net assets
$24,467,783
Revenue
-
Expenses
$9,785,684
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$806$724$81.6$58.2$56.9$1.31
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$683$610$73.0$34.0$24.3$9.70
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$634$570$63.6$29.1$25.4$3.75
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$527$468$59.2$28.8$25.1$3.68
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$482$427$54.6$26.0$22.1$3.83
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$473$425$47.8$18.3$15.6$2.63
2015Detailed filing. Detailed filing data is available for this year.$269$242$26.8$9.93$9.18$0.75
2014Detailed filing. Detailed filing data is available for this year.$261$235$26.1$10.2$9.31$0.93
2013Detailed filing. Detailed filing data is available for this year.$272$247$25.1$10.2$9.30$0.93
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$266$241$24.5$9.79
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$258$235$23.0$10.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$232$210$22.1$8.69
2008Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.3$72.6$8.73$4.80