Civic Intelligence

Destinations Credit Union

990 • Fiscal year 2014 • EIN 52-0238203

Jan 01, 2014 to Dec 31, 2014 • Filed on May 14, 2015

Organization Profilewww.destinationscu.org

View Organization Page

8767 Satyr Hill RoadBaltimore, MD 21234

(410) 663-2500

Siviq Scores

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

Liabilities / Assets

4th percentile

0.00x

Higher debt load relative to assets than 4% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

2nd percentile

0.09x

Higher debt load relative to revenue than 2% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

13th percentile

0.4%

Higher net margin than 13% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

75th percentile

$162,736

Higher top officer pay than 75% of similar nonprofits.

Top officer pay equals 5.5% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

42nd percentile

1.8%

Faster asset growth than 42% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

17th percentile

-5.1%

Faster revenue growth than 17% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets4th percentile

Assets

Up

$57,006,414

Up $985,373 (+1.8%) from 2013

Net Assets

Up

$56,731,277

Up $1,012,877 (+1.8%) from 2013

Liabilities

Down

$275,137

Down $27,504 (-9.1%) from 2013

Revenue And Expenses
Liabilities / Revenue2nd percentileNet Margin13th percentile

Revenue

Down

$2,938,090

Down $157,042 (-5.1%) from 2013

Expenses

Down

$2,925,965

Down $227,653 (-7.2%) from 2013

Net Income

Up

$12,125

Up $70,611 (+121%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth42nd percentile

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

$80M$60M$40M$20M$0Assets 2010: $46,689,716Liabilities 2010: $224,155Net Assets 2010: $46,465,5612010Assets 2011: $55,981,213Liabilities 2011: $522,099Net Assets 2011: $55,459,1142011Assets 2012: $55,694,763Liabilities 2012: $278,127Net Assets 2012: $55,416,6362012Assets 2013: $56,021,041Liabilities 2013: $302,641Net Assets 2013: $55,718,4002013Assets 2014: $57,006,414Liabilities 2014: $275,137Net Assets 2014: $56,731,2772014Assets 2015: $60,242,328Liabilities 2015: $410,800Net Assets 2015: $59,831,5282015Assets 2016: $60,653,840Liabilities 2016: $640,962Net Assets 2016: $60,012,8782016Assets 2017: $59,061,803Liabilities 2017: $668,279Net Assets 2017: $58,393,5242017Assets 2018: $59,415,470Liabilities 2018: $364,765Net Assets 2018: $59,050,7052018Assets 2019: $58,566,672Liabilities 2019: $255,032Net Assets 2019: $58,311,6402019Assets 2020: $66,152,571Liabilities 2020: $507,874Net Assets 2020: $65,644,6972020Assets 2021: $69,990,367Liabilities 2021: $460,227Net Assets 2021: $69,530,1402021Assets 2022: $67,163,860Liabilities 2022: $476,003Net Assets 2022: $66,687,8572022Assets 2023: $64,767,949Liabilities 2023: $403,612Net Assets 2023: $64,364,3372023Assets 2024: $63,532,666Liabilities 2024: $361,673Net Assets 2024: $63,170,9932024

Highlighted filing

2014

Assets$57,006,414
Liabilities$275,137
Net Assets$56,731,277
Open 2014 Filing

Operations Trend

Revenue Growth17th percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $3,169,3952010Expenses 2011: $2,990,9802011Expenses 2012: $3,554,5382012Revenue 2013: $3,095,132Expenses 2013: $3,153,618Net Income 2013: -$58,4862013Revenue 2014: $2,938,090Expenses 2014: $2,925,965Net Income 2014: $12,1252014Revenue 2015: $3,110,311Expenses 2015: $3,256,873Net Income 2015: -$146,5622015Revenue 2016: $3,292,583Expenses 2016: $3,205,450Net Income 2016: $87,1332016Revenue 2017: $3,376,680Expenses 2017: $3,204,192Net Income 2017: $172,4882017Revenue 2018: $3,621,086Expenses 2018: $3,202,866Net Income 2018: $418,2202018Revenue 2019: $3,787,715Expenses 2019: $3,522,799Net Income 2019: $264,9162019Revenue 2020: $3,413,500Expenses 2020: $3,456,894Net Income 2020: -$43,3942020Revenue 2021: $3,241,703Expenses 2021: $3,217,852Net Income 2021: $23,8512021Revenue 2022: $3,175,657Expenses 2022: $3,222,458Net Income 2022: -$46,8012022Revenue 2023: $3,397,067Expenses 2023: $3,460,007Net Income 2023: -$62,9402023Revenue 2024: $3,786,101Expenses 2024: $3,705,544Net Income 2024: $80,5572024

Highlighted filing

2014

Revenue$2,938,090
Expenses$2,925,965
Net Income$12,125
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 14, 2015
Return Version
2014v5.0
Gross Receipts
$2,938,090
Mission and Program Overview

Mission

The Credit Union promotes thrift and provides a source of low-cost credit for individual members.

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$48,144,635$49,158,036▲ $1,013,401
Other Notes and Loans Receivable, Net$27,051,348$28,683,533▲ $1,632,185
Investments in Publicly Traded Securities$20,789,456$19,694,079▼ $1,095,377
Rtn Earn Endowment Incm Other Fnds$7,573,765$7,573,241▼ $524
Land, Buildings, and Equipment, Net$3,292,998$3,185,674▼ $107,324
Savings and Temporary Cash Investments$515,497$1,242,829▲ $727,332
Receivables From Officers Etc$502,304$483,019▼ $19,285
Cash and Non-Interest-Bearing Accounts$730,517$263,423▼ $467,094
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$56,021,041$57,006,414▲ $985,373
Other Assets Total$3,138,921$3,453,857▲ $314,936
Liabilities
Accounts Payable and Accrued Expenses$302,641$275,137▼ $27,504
Total Liabilities$302,641$275,137▼ $27,504
Net Assets / Fund Balance
Total Net Assets Fund Balance$55,718,400$56,731,277▲ $1,012,877
Total Liabilities and Net Assets / Fund Balance$56,021,041$57,006,414▲ $985,373

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,758,704$602,658$2,361,362
Land$1,310,061-$1,310,061
Other Land Buildings$116,909$510,229$627,138
Other Assets Org$483,165--
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brian VittekPresident/CEOFT$132,412$30,324$162,736
Roxanne MillerVP of AdminFT$50,443$21,815$72,258
Karen GouldmannCFOFT$48,367$368$48,735
Bernard WalkerVice-Chairman-$6,582-$6,582
Leonidas SessionDirector-$3,409-$3,409
Joan MontgomerySecretary-$3,236-$3,236
John DavidsonTreasurer-$1,600-$1,600
Napoleon SykesChairman-$1,600-$1,600
William LovelaceDirector-$1,242-$1,242
George HamiltonDirector-$1,200-$1,200
James AndersDirector-$1,200-$1,200
Lorenz BirkenbachDirector-$1,200-$1,200
Sherwood RamseyDirector-$1,200-$1,200

Highest Paid Contractors

ContractorServicesLocationCompensation
CU CooperativeCard services9692 Haven Ave, Rancho Cucamonga, CA 91730$106,725
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,704,315
Investment Income
$233,775
Other Revenue
$0
Change in Net Assets
$12,125

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,938,090
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,938,090
Total Revenue per Form 990
$2,938,090
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,506,004
Salaries, Compensation, and Employee Benefits$1,419,961
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$837,705
Current Officers, Directors, Trustees, and Key Employees---$306,198
Interest---$211,142
Office Expenses---$131,816
Depreciation Depletion---$130,623
Other Employee Benefits---$125,701
Information Technology---$90,059
Occupancy---$84,808
Payroll Taxes---$83,871
Pension Plan Contributions---$66,486
Advertising---$58,746
Fees for Services Accounting---$54,809
Insurance---$32,774
Other Expenses---$25,781
Travel---$12,422
Conferences and Meetings---$3,745
Total Functional Expenses$0$0$0$2,925,965

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,925,965
Total Expenses per Audited Statements$2,925,965
Total Expenses per Form 990$2,925,965
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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$502,304$483,019▼ $19,285
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

“The Credit Union has 7,740 members.”

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

“Credit Union members elect the board of directors.”

Form 990, Part VI, Section B, line 11

“The chief executive officer and chief financial officer review Form 990 prior to filing. The board of directors reviews Form 990 at the next regularly scheduled meeting.”

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

“The Credit Union monitors and enforces compliance with the conflict of interest policy through required disclosure if and when a conflict arises.”

Form 990, Part VI, Section B, line 15A

“The Credit Union contracts an independent human resource firm to prepare a survey of compensation packages for CEOs of credit unions of comparable size. The executive compensation committee reviews the survey and makes recommendations to the board of directors for approval.”

Form 990, Part VI, Section C, line 19

“The Credit Union provides its by-laws to members upon request. The conflict of interest policy is included in the employee manual and the director policy manual. It is not available to the public. The Credit Union posts unaudited monthly financial statements on a form prescribed by the National Credit Union Administration in the lobby, and it provides the annual report with audited financial statements to members upon request. Form 5300 is posted on the NCUA website.”

Filing and Contact Details

Filer

Filer Name
Destinations Credit Union
EIN
52-0238203
Phone
4106632500
Address
8767 Satyr Hill Road, Baltimore, MD 21234

Signing Officer

Name
Brian J Vittek
Title
President/CEO
Phone
4106632500
Signed
2015-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brian J Vittek
Formed
1935
Legal Domicile
Md
Voting Board Members
10
Independent Board Members
10
Employees
29
Volunteers
0

Preparer

Firm
Rowles & Company LLP
Address
8100 Sandpiper Circle Suite 308, Baltimore, MD 21236
Preparer
Joseph A Musumeci Jr
Phone
4437255395
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Net increase in shares 1,013,401. Investment valuation reserve -12,649.”

Form 990, Part XI, financial statements and reporting

“The supervisory committee is responsible for selection and oversight of the independent accountants.”

Raw XML AppendixShowing 400 of 516 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/BOYAmt0302641
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0275137
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0State chartered credit union
IRS990/AdvertisingGrp/TotalAmt058746
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0Brian J Vittek
IRS990/BooksInCareOfDetail/PhoneNum04106632500
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt08767 Satyr Hill Road
IRS990/BooksInCareOfDetail/USAddress/CityNm0Baltimore
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MD
IRS990/BooksInCareOfDetail/USAddress/ZIPCd021234
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt048144635
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt049158036
IRS990/CashNonInterestBearingGrp/BOYAmt0730517
IRS990/CashNonInterestBearingGrp/EOYAmt0263423
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0306198
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt03745
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0106725
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt09692 Haven Ave
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Rancho Cucamonga
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd091730
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CU Cooperative
IRS990/ContractorCompensationGrp/ServicesDesc0Card services
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0233775
IRS990/CYOtherExpensesAmt01506004
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt02704315
IRS990/CYRevenuesLessExpensesAmt012125
IRS990/CYSalariesCompEmpBnftPaidAmt01419961
IRS990/CYTotalExpensesAmt02925965
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02938090
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0130623
IRS990/Desc0Destinations Credit Union provides financial services to its 7,740 members.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt029
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt054809
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt92.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
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/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1030324
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt11368
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1221815
IRS990/Form990PartVIISectionAGrp/PersonNm0Napoleon Sykes
IRS990/Form990PartVIISectionAGrp/PersonNm1Bernard Walker
IRS990/Form990PartVIISectionAGrp/PersonNm2John Davidson
IRS990/Form990PartVIISectionAGrp/PersonNm3Joan Montgomery
IRS990/Form990PartVIISectionAGrp/PersonNm4James Anders
IRS990/Form990PartVIISectionAGrp/PersonNm5George Hamilton
IRS990/Form990PartVIISectionAGrp/PersonNm6William Lovelace
IRS990/Form990PartVIISectionAGrp/PersonNm7Sherwood Ramsey
IRS990/Form990PartVIISectionAGrp/PersonNm8Lorenz Birkenbach
IRS990/Form990PartVIISectionAGrp/PersonNm9Leonidas Session
IRS990/Form990PartVIISectionAGrp/PersonNm10Brian Vittek
IRS990/Form990PartVIISectionAGrp/PersonNm11Karen Gouldmann
IRS990/Form990PartVIISectionAGrp/PersonNm12Roxanne Miller
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt01600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16582
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt33236
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt41200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt51200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt61242
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt71200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt81200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt93409
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10132412
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1148367
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1250443
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/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
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/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP of Admin
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt02938090
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt090059
IRS990/InsuranceGrp/TotalAmt032774
IRS990/InterestGrp/TotalAmt0211142
IRS990/InvestmentIncomeGrp/ExclusionAmt0233775
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0233775
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt020789456
IRS990/InvestmentsPubTradedSecGrp/EOYAmt019694079
IRS990/IRPDocumentCnt01485
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01112887
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03292998
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03185674
IRS990/LandBldgEquipCostOrOtherBssAmt04298561
IRS990/LegalDomicileStateCd0MD
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0The Credit Union promotes thrift and provides a source of low-cost credit for individual members.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt055718400
IRS990/NetAssetsOrFundBalancesEOYAmt056731277
IRS990/NetUnrelatedBusTxblIncmAmt0-1192
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt084808
IRS990/OfficeExpensesGrp/TotalAmt0131816
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03138921
IRS990/OtherAssetsTotalGrp/EOYAmt03453857
IRS990/OtherChangesInNetAssetsAmt01000752
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0125701
IRS990/OtherExpensesGrp/Desc0Bank Services
IRS990/OtherExpensesGrp/Desc1Loan Program, Servicing
IRS990/OtherExpensesGrp/Desc2Miscellaneous
IRS990/OtherExpensesGrp/Desc3Provision for Loan Loss
IRS990/OtherExpensesGrp/TotalAmt0439261
IRS990/OtherExpensesGrp/TotalAmt1137883
IRS990/OtherExpensesGrp/TotalAmt292135
IRS990/OtherExpensesGrp/TotalAmt325781
IRS990/OtherSalariesAndWagesGrp/TotalAmt0837705
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt027051348
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt028683533
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt083871
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt066486
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0Brian J Vittek
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/BusinessCd4525990
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans
IRS990/ProgramServiceRevenueGrp/Desc1Other services
IRS990/ProgramServiceRevenueGrp/Desc2ATM debit service
IRS990/ProgramServiceRevenueGrp/Desc3Credit insurance
IRS990/ProgramServiceRevenueGrp/Desc4Share account service
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01981218
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1343093
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2268304
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt378058
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt431764
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01981218
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1343093
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2270182
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt378058
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt431764
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt01878
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0250154
IRS990/PYOtherExpensesAmt01748341
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02844978
IRS990/PYRevenuesLessExpensesAmt0-58486
IRS990/PYSalariesCompEmpBnftPaidAmt01405277
IRS990/PYTotalExpensesAmt03153618
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03095132
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0502304
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0483019
IRS990/ReconcilationRevenueExpnssAmt012125
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07573765
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07573241
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0515497
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01242829
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01758704
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0602658
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02361362
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02925965
IRS990ScheduleD/LandGrp/BookValueAmt01310061
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01310061
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0485448
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1210875
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2100387
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3351976
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt41822006
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt5483165
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF deposit
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1Foreclosed real estate
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2Accrued interest receivable
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3Corporate capital share deposit
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4Insurance contracts
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5Other assets
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0116909
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0510229
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0627138
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02938090
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03185674
IRS990ScheduleD/TotalBookValueOtherAssetsAmt03453857
IRS990ScheduleD/TotalExpensesPerForm990Amt02925965
IRS990ScheduleD/TotalRevenuePerForm990Amt02938090
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02938090
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02925965
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0208283
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt12200
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt217161
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3160251
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt46012
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt640974
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt79775
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt838236
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt9127
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd81
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd90
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd101
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd70
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd80
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd90
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd100
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Home equity, MasterCard, fixed mortgage, auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3MasterCard, share secured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4First mortgage, home equity, MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Line of credit
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7Home equity, MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9Auto Loan, MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0349000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt15000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt212000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt333278
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt4330195
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt510000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt615000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt758000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt810000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt947172
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt105000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Brian Vittek
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Leonidas Session
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2John Davidson
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Lorenz Birkenbach
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4William Lovelace
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5George Hamilton
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6Napoleon Sykes

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
$57,006,414
Liabilities
$275,137
Net assets
$56,731,277
Revenue
$2,938,090
Expenses
$2,925,965
Net income
$12,125
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$63.5$0.36$63.2$3.79$3.71$0.08
2023Detailed filing. Detailed filing data is available for this year.$64.8$0.40$64.4$3.40$3.46$0.06
2022Detailed filing. Detailed filing data is available for this year.$67.2$0.48$66.7$3.18$3.22$0.05
2021Detailed filing. Detailed filing data is available for this year.$70.0$0.46$69.5$3.24$3.22$0.02
2020Detailed filing. Detailed filing data is available for this year.$66.2$0.51$65.6$3.41$3.46$0.04
2019Detailed filing. Detailed filing data is available for this year.$58.6$0.26$58.3$3.79$3.52$0.26
2018Detailed filing. Detailed filing data is available for this year.$59.4$0.36$59.1$3.62$3.20$0.42
2017Detailed filing. Detailed filing data is available for this year.$59.1$0.67$58.4$3.38$3.20$0.17
2016Detailed filing. Detailed filing data is available for this year.$60.7$0.64$60.0$3.29$3.21$0.09
2015Detailed filing. Detailed filing data is available for this year.$60.2$0.41$59.8$3.11$3.26$0.15
2014Detailed filing. Detailed filing data is available for this year.$57.0$0.28$56.7$2.94$2.93$0.01
2013Detailed filing. Detailed filing data is available for this year.$56.0$0.30$55.7$3.10$3.15$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.7$0.28$55.4$3.55
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.0$0.52$55.5$2.99
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.7$0.22$46.5$3.17
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2014 filings • 501(c)14 • $50M-$100M nonprofits