Civic Intelligence

Destinations Credit Union

990 • Fiscal year 2016 • EIN 52-0238203

Jan 01, 2016 to Dec 31, 2016 • Filed on Sep 15, 2017

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

5th percentile

0.01x

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

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

6th percentile

0.19x

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

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

25th percentile

2.6%

Higher net margin than 25% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

67th percentile

$155,739

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 4.7% of source-year revenue.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

22nd percentile

0.7%

Faster asset growth than 22% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

63rd percentile

5.9%

Faster revenue growth than 63% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets5th percentile

Assets

Up

$60,653,840

Up $411,512 (+0.7%) from 2015

Net Assets

Up

$60,012,878

Up $181,350 (+0.3%) from 2015

Liabilities

Up

$640,962

Up $230,162 (+56%) from 2015

Revenue And Expenses
Liabilities / Revenue6th percentileNet Margin25th percentile

Revenue

Up

$3,292,583

Up $182,272 (+5.9%) from 2015

Expenses

Down

$3,205,450

Down $51,423 (-1.6%) from 2015

Net Income

Up

$87,133

Up $233,695 (+159%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth22nd 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

2016

Assets$60,653,840
Liabilities$640,962
Net Assets$60,012,878
Open 2016 Filing

Operations Trend

Revenue Growth63rd 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

2016

Revenue$3,292,583
Expenses$3,205,450
Net Income$87,133
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Sep 15, 2017
Return Version
2016v3.0
Gross Receipts
$3,292,583
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$52,229,265$52,306,297▲ $77,032
Other Notes and Loans Receivable, Net$31,885,024$30,826,208▼ $1,058,816
Investments in Publicly Traded Securities$19,050,590$19,933,622▲ $883,032
Rtn Earn Endowment Incm Other Fnds$7,602,263$7,706,581▲ $104,318
Cash and Non-Interest-Bearing Accounts$907,179$3,054,887▲ $2,147,708
Land, Buildings, and Equipment, Net$3,079,424$2,967,976▼ $111,448
Receivables From Officers Etc$679,368$701,998▲ $22,630
Savings and Temporary Cash Investments$1,474,040$21,584▼ $1,452,456
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$60,242,328$60,653,840▲ $411,512
Other Assets Total$3,166,703$3,147,565▼ $19,138
Liabilities
Accounts Payable and Accrued Expenses$410,800$610,967▲ $200,167
Deferred Revenue-$29,995-
Total Liabilities$410,800$640,962▲ $230,162
Net Assets / Fund Balance
Total Net Assets Fund Balance$59,831,528$60,012,878▲ $181,350
Total Liabilities and Net Assets / Fund Balance$60,242,328$60,653,840▲ $411,512

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,569,810$793,018$2,362,828
Land$1,310,061-$1,310,061
Other Land Buildings$88,105$461,448$549,553
Other Assets Org$259,226--
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brian VittekPresident/CEOFT$134,329$21,410$155,739
Jason AndersonCFOFT$58,704$4,432$63,136
Reid KreiderChairman-$4,839-$4,839
Leonidas SessionDirector-$3,703-$3,703
Joan MontgomerySecretary-$3,492-$3,492
William LovelaceDirector-$2,088-$2,088
John DavidsonTreasurer-$1,801-$1,801
George HamiltonVice Chairman-$1,695-$1,695
James AndersDirector-$1,463-$1,463
Sherwood RamseyDirector-$1,297-$1,297
Lorenz BirkenbachDirector-$1,207-$1,207

Board Members and Trustees

NameTitle
Ralph SchisslerDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
CU AnswersCard services6000 28th Street SE 100, Grand Rapids, MI 49546$151,422
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,046,213
Investment Income
$246,370
Other Revenue
$0
Change in Net Assets
$87,133

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,292,583
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$3,292,583
Total Revenue per Form 990
$3,292,583
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,858,267
Salaries, Compensation, and Employee Benefits$1,347,183
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$867,642
Information Technology---$341,011
Current Officers, Directors, Trustees, and Key Employees---$240,460
Office Expenses---$237,362
Interest---$207,369
Depreciation Depletion---$137,927
Other Employee Benefits---$124,448
Other Expenses---$110,524
Occupancy---$95,766
Payroll Taxes---$82,252
Advertising---$67,181
Fees for Services Accounting---$48,639
Pension Plan Contributions---$32,381
Insurance---$31,142
Conferences and Meetings---$4,633
Travel---$1,822
Total Functional Expenses$0$0$0$3,205,450

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,205,450
Total Expenses per Audited Statements$3,205,450
Total Expenses per Form 990$3,205,450
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$679,368$701,998▲ $22,630
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 8,348 members.”

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

“Credit Union members elect the board of directors.”

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

“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
2017-09-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brian J Vittek
Formed
1935
Legal Domicile
Md
Voting Board Members
9
Independent Board Members
9
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 77,032. Investment valuation reserve 17,185.”

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 512 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.

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IRS990/OtherChangesInNetAssetsAmt094217
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0124448
IRS990/OtherExpensesGrp/Desc0Miscellaneous
IRS990/OtherExpensesGrp/Desc1Loan Program Servicing
IRS990/OtherExpensesGrp/Desc2Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc3Bank Services
IRS990/OtherExpensesGrp/TotalAmt0260010
IRS990/OtherExpensesGrp/TotalAmt1165009
IRS990/OtherExpensesGrp/TotalAmt2149872
IRS990/OtherExpensesGrp/TotalAmt3110524
IRS990/OtherSalariesAndWagesGrp/TotalAmt0867642
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt031885024
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt030826208
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt082252
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt032381
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0Brian J Vittek
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/BusinessCd3525990
IRS990/ProgramServiceRevenueGrp/BusinessCd4524298
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans
IRS990/ProgramServiceRevenueGrp/Desc1Other services
IRS990/ProgramServiceRevenueGrp/Desc2Share account service
IRS990/ProgramServiceRevenueGrp/Desc3ATM debit service
IRS990/ProgramServiceRevenueGrp/Desc4Credit insurance
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01942815
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1464552
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2279467
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3182551
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4174985
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01942815
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1464552
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2279467
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3184394
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4174985
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt01843
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0231997
IRS990/PYOtherExpensesAmt01816641
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02878314
IRS990/PYRevenuesLessExpensesAmt0-146562
IRS990/PYSalariesCompEmpBnftPaidAmt01440232
IRS990/PYTotalExpensesAmt03256873
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03110311
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0679368
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0701998
IRS990/ReconcilationRevenueExpnssAmt087133
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07602263
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07706581
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01474040
IRS990/SavingsAndTempCashInvstGrp/EOYAmt021584
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01569810
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0793018
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02362828
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03205450
IRS990ScheduleD/LandGrp/BookValueAmt01310061
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01310061
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0506015
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt181921
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2371697
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt31928706
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt4259226
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/BookValueAmt088105
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0461448
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0549553
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt03292583
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02967976
IRS990ScheduleD/TotalBookValueOtherAssetsAmt03147565
IRS990ScheduleD/TotalExpensesPerForm990Amt03205450
IRS990ScheduleD/TotalRevenuePerForm990Amt03292583
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03292583
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03205450
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0134329
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt04001
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt017409
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Brian Vittek
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0155739
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0367152
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt180
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt29809
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3177482
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt48099
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5113976
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt69860
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt715540
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd70
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/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Home equity, MasterCard, fixed mortgage, auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2MasterCard, share secured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3First mortgage, home equity, MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Line of credit
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Home equity, MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7Auto Loan, MasterCard
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0405000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt15000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt233278
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt3351402
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt413796
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt5134000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt610000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt747172
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Brian Vittek
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Leonidas Session
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Lorenz Birkenbach
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3William Lovelace
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4George Hamilton
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Sherwood Ramsey
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6Joan Montgomery
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7Reid Kreider
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0President/CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$60,653,840
Liabilities
$640,962
Net assets
$60,012,878
Revenue
$3,292,583
Expenses
$3,205,450
Net income
$87,133
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

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