Civic Intelligence

Destinations Credit Union

990 • Fiscal year 2015 • EIN 52-0238203

Jan 01, 2015 to Dec 31, 2015 • Filed on Jun 09, 2016

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

6th percentile

0.01x

Higher debt load relative to assets than 6% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

5th percentile

0.13x

Higher debt load relative to revenue than 5% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

7th percentile

-4.7%

Higher net margin than 7% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

69th percentile

$157,093

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 5.1% of source-year revenue.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

61st percentile

5.7%

Faster asset growth than 61% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

75th percentile

5.9%

Faster revenue growth than 75% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets6th percentile

Assets

Up

$60,242,328

Up $3,235,914 (+5.7%) from 2014

Net Assets

Up

$59,831,528

Up $3,100,251 (+5.5%) from 2014

Liabilities

Up

$410,800

Up $135,663 (+49%) from 2014

Revenue And Expenses
Liabilities / Revenue5th percentileNet Margin7th percentile

Revenue

Up

$3,110,311

Up $172,221 (+5.9%) from 2014

Expenses

Up

$3,256,873

Up $330,908 (+11%) from 2014

Net Income

Down

-$146,562

Down $158,687 (-1309%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth61st 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

2015

Assets$60,242,328
Liabilities$410,800
Net Assets$59,831,528
Open 2015 Filing

Operations Trend

Revenue Growth75th 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

2015

Revenue$3,110,311
Expenses$3,256,873
Net Income-$146,562
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jun 9, 2016
Return Version
2015v2.1
Gross Receipts
$3,110,311
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$49,158,036$52,229,265▲ $3,071,229
Other Notes and Loans Receivable, Net$28,683,533$31,885,024▲ $3,201,491
Investments in Publicly Traded Securities$19,694,079$19,050,590▼ $643,489
Rtn Earn Endowment Incm Other Fnds$7,573,241$7,602,263▲ $29,022
Land, Buildings, and Equipment, Net$3,185,674$3,079,424▼ $106,250
Savings and Temporary Cash Investments$1,242,829$1,474,040▲ $231,211
Cash and Non-Interest-Bearing Accounts$263,423$907,179▲ $643,756
Receivables From Officers Etc$483,019$679,368▲ $196,349
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$57,006,414$60,242,328▲ $3,235,914
Other Assets Total$3,453,857$3,166,703▼ $287,154
Liabilities
Accounts Payable and Accrued Expenses$275,137$410,800▲ $135,663
Total Liabilities$275,137$410,800▲ $135,663
Net Assets / Fund Balance
Total Net Assets Fund Balance$56,731,277$59,831,528▲ $3,100,251
Total Liabilities and Net Assets / Fund Balance$57,006,414$60,242,328▲ $3,235,914

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,665,204$697,624$2,362,828
Land$1,310,061-$1,310,061
Other Land Buildings$104,159$418,915$523,074
Other Assets Org$321,107--
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brian VittekPresident/CEOFT$129,441$27,652$157,093
Roxanne MillerVP of AdminFT$49,923$19,454$69,377
Reid KreiderDirector-$5,743-$5,743
Leonidas SessionDirector-$3,851-$3,851
Joan MontgomerySecretary-$3,172-$3,172
William LovelaceDirector-$1,659-$1,659
John DavidsonTreasurer-$1,600-$1,600
Bernard WalkerVice Chairman-$1,565-$1,565
Napoleon SykesChairman-$1,467-$1,467
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$106,021
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,878,314
Investment Income
$231,997
Other Revenue
$0
Change in Net Assets
$-146,562

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,110,311
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$3,110,311
Total Revenue per Form 990
$3,110,311
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,816,641
Salaries, Compensation, and Employee Benefits$1,440,232
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$894,183
Current Officers, Directors, Trustees, and Key Employees---$250,327
Interest---$204,432
Other Employee Benefits---$152,435
Depreciation Depletion---$140,699
Office Expenses---$123,794
Information Technology---$118,612
Other Expenses---$102,343
Occupancy---$94,064
Payroll Taxes---$79,466
Advertising---$76,213
Pension Plan Contributions---$63,821
Fees for Services Accounting---$51,160
Insurance---$31,987
Travel---$3,826
Conferences and Meetings---$634
Total Functional Expenses$0$0$0$3,256,873

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,256,873
Total Expenses per Audited Statements$3,256,873
Total Expenses per Form 990$3,256,873
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$483,019$679,368▲ $196,349
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 8,188 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
2016-06-09
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
31
Volunteers
0

Preparer

Firm
Rowles & Company LLP
Address
8100 Sandpiper Cir Ste 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 3,071,229. Investment valuation reserve 1,633. Equity of merged credit union 173,951.”

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 507 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/BOYAmt0275137
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0410800
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0State chartered credit union
IRS990/AdvertisingGrp/TotalAmt076213
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/BOYAmt049158036
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt052229265
IRS990/CashNonInterestBearingGrp/BOYAmt0263423
IRS990/CashNonInterestBearingGrp/EOYAmt0907179
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0250327
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt0634
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0106021
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/CYInvestmentIncomeAmt0231997
IRS990/CYOtherExpensesAmt01816641
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt02878314
IRS990/CYRevenuesLessExpensesAmt0-146562
IRS990/CYSalariesCompEmpBnftPaidAmt01440232
IRS990/CYTotalExpensesAmt03256873
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03110311
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0140699
IRS990/Desc0Destinations Credit Union provides financial services to its 8,188 members.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt031
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt051160
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/AverageHoursPerWeekRt102.00
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/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
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/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1127652
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1219454
IRS990/Form990PartVIISectionAGrp/PersonNm0Reid Kreider
IRS990/Form990PartVIISectionAGrp/PersonNm1Leonidas Session
IRS990/Form990PartVIISectionAGrp/PersonNm2Joan Montgomery
IRS990/Form990PartVIISectionAGrp/PersonNm3John Davidson
IRS990/Form990PartVIISectionAGrp/PersonNm4Napoleon Sykes
IRS990/Form990PartVIISectionAGrp/PersonNm5James Anders
IRS990/Form990PartVIISectionAGrp/PersonNm6George Hamilton
IRS990/Form990PartVIISectionAGrp/PersonNm7William Lovelace
IRS990/Form990PartVIISectionAGrp/PersonNm8Sherwood Ramsey
IRS990/Form990PartVIISectionAGrp/PersonNm9Lorenz Birkenbach
IRS990/Form990PartVIISectionAGrp/PersonNm10Bernard Walker
IRS990/Form990PartVIISectionAGrp/PersonNm11Brian Vittek
IRS990/Form990PartVIISectionAGrp/PersonNm12Roxanne Miller
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt05743
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13851
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23172
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt31600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt41467
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt51200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt61200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt71659
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt81200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt91200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt101565
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11129441
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1249923
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/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt11President/CEO
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/GrossReceiptsAmt03110311
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0118612
IRS990/InsuranceGrp/TotalAmt031987
IRS990/InterestGrp/TotalAmt0204432
IRS990/InvestmentIncomeGrp/ExclusionAmt0231997
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0231997
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt019694079
IRS990/InvestmentsPubTradedSecGrp/EOYAmt019050590
IRS990/IRPDocumentCnt01560
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01116539
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03185674
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03079424
IRS990/LandBldgEquipCostOrOtherBssAmt04195963
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/NetAssetsOrFundBalancesBOYAmt056731277
IRS990/NetAssetsOrFundBalancesEOYAmt059831528
IRS990/NetUnrelatedBusTxblIncmAmt0-1176
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt094064
IRS990/OfficeExpensesGrp/TotalAmt0123794
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03453857
IRS990/OtherAssetsTotalGrp/EOYAmt03166703
IRS990/OtherChangesInNetAssetsAmt03246813
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0152435
IRS990/OtherExpensesGrp/Desc0Bank Services
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2Loan Program Servicing
IRS990/OtherExpensesGrp/Desc3Miscellaneous
IRS990/OtherExpensesGrp/TotalAmt0480849
IRS990/OtherExpensesGrp/TotalAmt1252552
IRS990/OtherExpensesGrp/TotalAmt2135476
IRS990/OtherExpensesGrp/TotalAmt3102343
IRS990/OtherSalariesAndWagesGrp/TotalAmt0894183
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt028683533
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt031885024
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt079466
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt063821
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/RelatedOrExemptFuncIncomeAmt02114363
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1365148
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2283475
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt384046
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt429452
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02114363
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1365148
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2285305
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt384046
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt429452
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt01830
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0233775
IRS990/PYOtherExpensesAmt01506004
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02704315
IRS990/PYRevenuesLessExpensesAmt012125
IRS990/PYSalariesCompEmpBnftPaidAmt01419961
IRS990/PYTotalExpensesAmt02925965
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02938090
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0483019
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0679368
IRS990/ReconcilationRevenueExpnssAmt0-146562
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07573241
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07602263
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01242829
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01474040
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01665204
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0697624
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02362828
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03256873
IRS990ScheduleD/LandGrp/BookValueAmt01310061
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01310061
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0510714
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt187711
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2371697
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt31875474
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt4321107
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF deposit
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1Accrued interest receivable
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2Corporate capital share deposit
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3Insurance contracts
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4Other assets
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0104159
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0418915
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0523074
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt03110311
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03079424
IRS990ScheduleD/TotalBookValueOtherAssetsAmt03166703
IRS990ScheduleD/TotalExpensesPerForm990Amt03256873
IRS990ScheduleD/TotalRevenuePerForm990Amt03110311
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03110311
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03256873
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0375934
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11220
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt214980
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt316694
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4178661
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt511792
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt643510
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt79813
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt826637
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt9127
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd80
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd91
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/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/LoanPurposeTxt0Home equity, MasterCard, fixed mortgage, auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2MasterCard, auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3MasterCard, share secured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4First mortgage, home equity, MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Line of credit
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Home equity, MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8Auto Loan, MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0405000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt15000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt227558
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt333278
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt4351402
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt513796
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt658000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt710000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt847172
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt95000
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/PersonNm6Sherwood Ramsey
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7Joan Montgomery
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8Reid Kreider
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9Bernard Walker
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0President/CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Treasurer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Director

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$60,242,328
Liabilities
$410,800
Net assets
$59,831,528
Revenue
$3,110,311
Expenses
$3,256,873
Net income
-$146,562
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. 2015 filings • 501(c)14 • $50M-$100M nonprofits