Civic Intelligence

Hampton Roads Educators' Credit Union Inc

EIN 54-0623257 • 501(c)14 • Hampton, VA

Profile

Credit unions are organized to provide financial services to members. Credit unions are exempt by federal tax.

2130 Cunningham DriveHampton, VA 23666

www.hrecu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

97th percentile

0.95x

Higher debt load relative to assets than 97% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2022

Liabilities / Revenue

71st percentile

21.79x

Higher debt load relative to revenue than 71% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2022

Net Margin

45th percentile

8.2%

Higher net margin than 45% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

87th percentile

6.3%

Faster asset growth than 87% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Revenue Growth

21st percentile

-1.7%

Faster revenue growth than 21% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Assets

Up

$44,680,099

Up $2,050,690 (+4.8%) from 2024

Liabilities

Up

$40,390,107

Up $1,291,382 (+3.3%) from 2024

Net Assets

Up

$4,289,992

Up $759,308 (+22%) from 2024

Revenue

Up

$2,566,952

Up $274,845 (+12%) from 2024

Expenses

Up

$2,237,774

Up $135,235 (+6.4%) from 2024

Net Income

Up

$329,178

Up $139,610 (+74%) from 2024

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2010: $28,381,524Liabilities 2010: $26,528,231Net Assets 2010: $1,853,2932010Assets 2011: $28,160,658Liabilities 2011: $26,568,454Net Assets 2011: $1,592,2042011Assets 2012: $28,721,199Liabilities 2012: $27,343,439Net Assets 2012: $1,377,7602012Assets 2013: $29,816,570Liabilities 2013: $28,073,450Net Assets 2013: $1,743,1202013Assets 2014: $29,293,884Liabilities 2014: $27,707,069Net Assets 2014: $1,586,8152014Assets 2015: $28,483,512Liabilities 2015: $27,282,397Net Assets 2015: $1,201,1152015Assets 2016: $30,724,234Liabilities 2016: $29,464,685Net Assets 2016: $1,259,5492016Assets 2017: $31,263,996Liabilities 2017: $29,646,467Net Assets 2017: $1,617,5292017Assets 2018: $31,679,689Liabilities 2018: $29,930,308Net Assets 2018: $1,749,3812018Assets 2019: $31,226,873Liabilities 2019: $29,852,404Net Assets 2019: $1,374,4692019Assets 2020: $35,162,377Liabilities 2020: $33,781,057Net Assets 2020: $1,381,3202020Assets 2021: $39,238,874Liabilities 2021: $37,094,815Net Assets 2021: $2,144,0592021Assets 2022: $41,695,486Liabilities 2022: $39,715,452Net Assets 2022: $1,980,0342022Assets 2023: $42,749,283Liabilities 2023: $39,893,798Net Assets 2023: $2,855,4852023Assets 2024: $42,629,409Liabilities 2024: $39,098,725Net Assets 2024: $3,530,6842024Assets 2025: $44,680,099Liabilities 2025: $40,390,107Net Assets 2025: $4,289,9922025

Highlighted filing

2025

Assets$44,680,099
Liabilities$40,390,107
Net Assets$4,289,992

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,074,9912010Revenue 2011: $1,440,944Expenses 2011: $1,482,668Net Income 2011: -$41,7242011Expenses 2012: $2,119,5552012Expenses 2013: $1,801,0722013Revenue 2014: $1,885,150Expenses 2014: $1,861,126Net Income 2014: $24,0242014Revenue 2015: $1,881,121Expenses 2015: $1,824,083Net Income 2015: $57,0382015Revenue 2016: $1,719,850Expenses 2016: $1,702,764Net Income 2016: $17,0862016Revenue 2017: $1,777,876Expenses 2017: $1,645,398Net Income 2017: $132,4782017Revenue 2018: $1,873,591Expenses 2018: $1,784,332Net Income 2018: $89,2592018Revenue 2019: $1,958,963Expenses 2019: $1,793,208Net Income 2019: $165,7552019Revenue 2020: $1,765,985Expenses 2020: $1,637,388Net Income 2020: $128,5972020Revenue 2021: $1,854,459Expenses 2021: $1,638,121Net Income 2021: $216,3382021Revenue 2022: $1,823,029Expenses 2022: $1,673,580Net Income 2022: $149,4492022Revenue 2023: $2,070,345Expenses 2023: $1,941,823Net Income 2023: $128,5222023Revenue 2024: $2,292,107Expenses 2024: $2,102,539Net Income 2024: $189,5682024Revenue 2025: $2,566,952Expenses 2025: $2,237,774Net Income 2025: $329,1782025

Highlighted filing

2025

Revenue$2,566,952
Expenses$2,237,774
Net Income$329,178

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$44.7$40.4$4.29$2.57$2.24$0.33
2024Detailed filing. Detailed filing data is available for this year.$42.6$39.1$3.53$2.29$2.10$0.19
2023Detailed filing. Detailed filing data is available for this year.$42.7$39.9$2.86$2.07$1.94$0.13
2022Detailed filing. Detailed filing data is available for this year.$41.7$39.7$1.98$1.82$1.67$0.15
2021Detailed filing. Detailed filing data is available for this year.$39.2$37.1$2.14$1.85$1.64$0.22
2020Detailed filing. Detailed filing data is available for this year.$35.2$33.8$1.38$1.77$1.64$0.13
2019Detailed filing. Detailed filing data is available for this year.$31.2$29.9$1.37$1.96$1.79$0.17
2018Detailed filing. Detailed filing data is available for this year.$31.7$29.9$1.75$1.87$1.78$0.09
2017Detailed filing. Detailed filing data is available for this year.$31.3$29.6$1.62$1.78$1.65$0.13
2016Detailed filing. Detailed filing data is available for this year.$30.7$29.5$1.26$1.72$1.70$0.02
2015Detailed filing. Detailed filing data is available for this year.$28.5$27.3$1.20$1.88$1.82$0.06
2014Detailed filing. Detailed filing data is available for this year.$29.3$27.7$1.59$1.89$1.86$0.02
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.8$28.1$1.74$1.80
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.7$27.3$1.38$2.12
2011Summary only. Only limited summary data is available for this year.$28.2$26.6$1.59$1.44$1.48$0.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.4$26.5$1.85$2.07
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2024 to Sep 30, 2025
Signed
Mar 9, 2026
Return Version
2024v5.0
Gross Receipts
$2,569,098
Mission and Program Overview

Mission

Credit unions are organized to provide financial services to members. Credit unions are exempt by federal law.

Credit unions are organized to provide financial services to members. Credit unions are exempt by federal tax.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$19,730,956$21,395,064▲ $1,664,108
Other Notes and Loans Receivable, Net$17,773,379$17,560,605▼ $212,774
Rtn Earn Endowment Incm Other Fnds$3,530,684$4,289,992▲ $759,308
Cash and Non-Interest-Bearing Accounts$768,046$677,893▼ $90,153
Land, Buildings, and Equipment, Net$127,287$143,474▲ $16,187
Prepaid Expenses and Deferred Charges$78,300$102,621▲ $24,321
Investments Other Securities$40,000$40,000→ $0
Accounts Receivable$8,947$8,845▼ $102
Total Assets$42,629,409$44,680,099▲ $2,050,690
Other Assets Total$4,102,494$4,751,597▲ $649,103
Liabilities
Other Liabilities$38,721,584$40,009,073▲ $1,287,489
Accounts Payable and Accrued Expenses$377,141$381,034▲ $3,893
Total Liabilities$39,098,725$40,390,107▲ $1,291,382
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,530,684$4,289,992▲ $759,308
Total Liabilities and Net Assets / Fund Balance$42,629,409$44,680,099▲ $2,050,690

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$70,936$720,664$791,600
Equipment$72,538$230,788$303,326
Other Assets Org$27,996--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Karen OrieManager/CEOFT$103,957$103,957

Board Members and Trustees

NameTitle
Cornelious ChamblissBoard Chairm
Gloria WinderBoard 1st Vi
Jacqueline Smith-watsonBoard 2nd Vi
Kimberly SharpeBoard Secret
Lynda BurkeBoard Treasu
Anita R HolleyDirector
Donald SandridgeDirector
Dr Keisha SamuelsDirector
Rita RaphaelDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv- Atm & Debit CardCard ServicesPO BOX 934057, Atlanta, GA 31193-4057$281,562
Fis - Credit CardCard ServicesPO BOX 4535, Carol Stream, IL 60197$205,419
CbsCore ProcessorPO BOX 2043, Goldsboro, NC 27533$110,101
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,836,555
Investment Income
$568,471
Other Revenue
$161,926
Change in Net Assets
$329,178

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,405,026
Revenue Not Reported on Financial Statements
$161,926
Revenue Not Reported on Form 990
$2,146
Other Revenue Adjustments
$161,926
Total Revenue per Audited Statements
$2,407,172
Total Revenue per Form 990
$2,566,952
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,387,566
Salaries, Compensation, and Employee Benefits$836,170
Grants and Similar Amounts Paid$14,038
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$574,285--$574,285
Interest$140,674--$140,674
Fees for Services Other$121,397--$121,397
Current Officers, Directors, Trustees, and Key Employees$112,564--$112,564
Office Expenses$106,102--$106,102
Other Employee Benefits$87,914--$87,914
Other Expenses$76,725--$76,725
Advertising$61,892--$61,892
Payroll Taxes$50,259--$50,259
Insurance$33,329--$33,329
Information Technology$32,247--$32,247
Occupancy$30,950--$30,950
Fees for Services Accounting$27,187--$27,187
Depreciation Depletion$24,568--$24,568
All Other Expenses$21,783--$21,783
Conferences and Meetings$13,576--$13,576
Pension Plan Contributions$11,148--$11,148
Grants to Domestic Orgs$9,040--$9,040
Fees for Services Legal$7,627--$7,627
Grants to Domestic Individuals$4,998--$4,998
Travel$2,888--$2,888
Total Functional Expenses$2,237,774$0$0$2,237,774

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$2,237,774
Total Expenses per Audited Statements$2,077,994
Expenses per Audited Statements$2,075,848
Expenses Not Reported on Financial Statements$161,926
Other Expense Adjustments$161,926
Expenses Not Reported on Form 990$2,146
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' DEPOSITS$40,009,073
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 7A

The members annually elect the board of directors.

Form 990, Page 6, Part VI, Line 7B

By-law changes must be approved by the members.

Form 990, Page 6, Part VI, Line 11B

Copies of the form 990 are distributed to all board members as well as the chair of the supervisory committee for review and discussion. Board members will get a copy of the 990 before filing only if the board meeting is prior to the filing deadline. If not, they will get a copy at the next scheduled board meeting.

Form 990, Page 6, Part VI, Line 12C

Staff are required to report conflicts of interest to management and are required to sign a statement yearly. They are also required to report any outside employment to management.

Form 990, Page 6, Part VI, Line 15A

Salary survey information from cuna is used by the personnel policies committee in determining the salary to be presented to the board. The information from cuna includes comparability data. Ceo compensation is approved by the board of directors.

Form 990, Page 6, Part VI, Line 15B

Salary survey information from cuna is used by the personnel policies committee to determine salary recommendations. Other officers- and key employees' compensation are approved by the ceo.

Form 990, Page 6, Part VI, Line 19

Governing documents are made available upon request. The financial statements are posted in the lobby.

Filing and Contact Details

Filer

Filer Name
HAMPTON ROADS EDUCATORS'
EIN
54-0623257
Phone
7578380707
Address
2130 CUNNINGHAM DRIVE, HAMPTON, VA 23666

Signing Officer

Name
Karen Orie
Title
Manager/CEO
Phone
7578380707
Signed
2026-03-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cornelious Chambliss
Formed
1954
Legal Domicile
Va
Voting Board Members
9
Independent Board Members
9
Employees
18
Volunteers
20

Preparer

Firm
A Rohm Smith & Company
Address
11832 ROCK LANDING DR STE 101, NEWPORT NEWS, VA 23606-4277
Preparer
Theresa Rohm CPA
Phone
7572239602
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

Volunteers serve on the board of directors, the supervisory committee, the scholarship committee, and as teacher liaisons. Volunteers also work the student branches.

Form 990, Page 2, Part III, Line 4D

To provide financial services to its members.

Form 990, Part XI, Line 9

Net change in pension asset 430,130

Financial Statement Notes

Schedule D, Page 4, Part XI, Line 2D

Loss netted with revenue on form 990 2,146

Schedule D, Page 4, Part XI, Line 4B

Refund netted with expense on financials 161,926

Schedule D, Page 4, Part XII, Line 2D

Loss netted with revenue on form 990 2,146

Schedule D, Page 4, Part XII, Line 4B

Refund netted with expense on financials 161,926

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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/Form990PartVIISectionAGrp/TitleTxt0MANAGER/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD TREASU
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD CHAIRM
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD SECRET
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD 2ND VI
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD 1ST VI
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01954
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IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0-2146
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt04998
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt04998
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt09040
IRS990/GrantsToDomesticOrgsGrp/TotalAmt09040
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IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt02569098
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt032247
IRS990/InformationTechnologyGrp/TotalAmt032247
IRS990/InsuranceGrp/ProgramServicesAmt033329
IRS990/InsuranceGrp/TotalAmt033329
IRS990/InterestGrp/ProgramServicesAmt0140674
IRS990/InterestGrp/TotalAmt0140674
IRS990/InvestmentIncomeGrp/ExclusionAmt0570617
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0570617
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt040000
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt040000
IRS990/IRPDocumentCnt0422
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0951452
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0127287
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0143474
IRS990/LandBldgEquipCostOrOtherBssAmt01094926
IRS990/LegalDomicileStateCd0VA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt02146
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNIONS ARE ORGANIZED TO PROVIDE FINANCIAL SERVICES TO MEMBERS. CREDIT UNIONS ARE EXEMPT BY FEDERAL TAX.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03530684
IRS990/NetAssetsOrFundBalancesEOYAmt04289992
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-2146
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-2146
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt030950
IRS990/OccupancyGrp/TotalAmt030950
IRS990/OfficeExpensesGrp/ProgramServicesAmt0106102
IRS990/OfficeExpensesGrp/TotalAmt0106102
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04102494
IRS990/OtherAssetsTotalGrp/EOYAmt04751597
IRS990/OtherChangesInNetAssetsAmt0430130
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt087914
IRS990/OtherEmployeeBenefitsGrp/TotalAmt087914
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING COSTS
IRS990/OtherExpensesGrp/Desc1ATM EXPENSES
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3SHARE AND BANK COSTS
IRS990/OtherExpensesGrp/ProgramServicesAmt0275526
IRS990/OtherExpensesGrp/ProgramServicesAmt1234300
IRS990/OtherExpensesGrp/ProgramServicesAmt2176795
IRS990/OtherExpensesGrp/ProgramServicesAmt376725
IRS990/OtherExpensesGrp/TotalAmt0275526
IRS990/OtherExpensesGrp/TotalAmt1234300
IRS990/OtherExpensesGrp/TotalAmt2176795
IRS990/OtherExpensesGrp/TotalAmt376725
IRS990/OtherLiabilitiesGrp/BOYAmt038721584
IRS990/OtherLiabilitiesGrp/EOYAmt040009073
IRS990/OtherRevenueMiscGrp/Desc0REFUND OF PENSION EXPENSE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0161926
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0161926
IRS990/OtherRevenueTotalAmt0161926
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0574285
IRS990/OtherSalariesAndWagesGrp/TotalAmt0574285
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt017773379
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt017560605
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt050259
IRS990/PayrollTaxesGrp/TotalAmt050259
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt011148
IRS990/PensionPlanContributionsGrp/TotalAmt011148
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt078300
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0102621
IRS990/PrincipalOfficerNm0CORNELIOUS CHAMBLISS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01325933
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1510622
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01325933
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1510622
IRS990/ProgSrvcAccomActyOtherGrp/Desc0TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt013241
IRS990/PYInvestmentIncomeAmt0433422
IRS990/PYOtherExpensesAmt01274785
IRS990/PYOtherRevenueAmt0106321
IRS990/PYProgramServiceRevenueAmt01752364
IRS990/PYRevenuesLessExpensesAmt0189568
IRS990/PYSalariesCompEmpBnftPaidAmt0814513
IRS990/PYTotalExpensesAmt02102539
IRS990/PYTotalRevenueAmt02292107
IRS990/ReconcilationRevenueExpnssAmt0329178
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03530684
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04289992
IRS990/SavingsAndTempCashInvstGrp/BOYAmt019730956
IRS990/SavingsAndTempCashInvstGrp/EOYAmt021395064
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt070936
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0720664
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0791600
IRS990ScheduleD/EquipmentGrp/BookValueAmt072538
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0230788
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0303326
IRS990ScheduleD/ExpensesNotReportedAmt02146
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0161926
IRS990ScheduleD/ExpensesSubtotalAmt02075848
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt04080787
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1390121
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2141000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3111693
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt427996
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0PREPAID PENSION PLAN
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2FISERV EFT SETTLEMENT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4OTHER ASSETS
IRS990ScheduleD/OtherExpensesIncludedAmt02146
IRS990ScheduleD/OtherExpensesNotIncludedAmt0161926
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt040009073
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' DEPOSITS
IRS990ScheduleD/OtherRevenueAmt02146
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0161926
IRS990ScheduleD/RevenueNotReportedAmt02146
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0161926
IRS990ScheduleD/RevenueSubtotalAmt02405026
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0LOSS NETTED WITH REVENUE ON FORM 990 2,146
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1REFUND NETTED WITH EXPENSE ON FINANCIALS 161,926
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2LOSS NETTED WITH REVENUE ON FORM 990 2,146
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3REFUND NETTED WITH EXPENSE ON FINANCIALS 161,926
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XI, LINE 2D
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XI, LINE 4B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2SCHEDULE D, PAGE 4, PART XII, LINE 2D
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc3SCHEDULE D, PAGE 4, PART XII, LINE 4B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0143474
IRS990ScheduleD/TotalBookValueOtherAssetsAmt04751597
IRS990ScheduleD/TotalExpensesPerForm990Amt02237774
IRS990ScheduleD/TotalLiabilityAmt040009073
IRS990ScheduleD/TotalRevenuePerForm990Amt02566952
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02407172
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02077994
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0VOLUNTEERS SERVE ON THE BOARD OF DIRECTORS, THE SUPERVISORY COMMITTEE, THE SCHOLARSHIP COMMITTEE, AND AS TEACHER LIAISONS. VOLUNTEERS ALSO WORK THE STUDENT BRANCHES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE MEMBERS ANNUALLY ELECT THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BY-LAW CHANGES MUST BE APPROVED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COPIES OF THE FORM 990 ARE DISTRIBUTED TO ALL BOARD MEMBERS AS WELL AS THE CHAIR OF THE SUPERVISORY COMMITTEE FOR REVIEW AND DISCUSSION. BOARD MEMBERS WILL GET A COPY OF THE 990 BEFORE FILING ONLY IF THE BOARD MEETING IS PRIOR TO THE FILING DEADLINE. IF NOT, THEY WILL GET A COPY AT THE NEXT SCHEDULED BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5STAFF ARE REQUIRED TO REPORT CONFLICTS OF INTEREST TO MANAGEMENT AND ARE REQUIRED TO SIGN A STATEMENT YEARLY. THEY ARE ALSO REQUIRED TO REPORT ANY OUTSIDE EMPLOYMENT TO MANAGEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6SALARY SURVEY INFORMATION FROM CUNA IS USED BY THE PERSONNEL POLICIES COMMITTEE IN DETERMINING THE SALARY TO BE PRESENTED TO THE BOARD. THE INFORMATION FROM CUNA INCLUDES COMPARABILITY DATA. CEO COMPENSATION IS APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7SALARY SURVEY INFORMATION FROM CUNA IS USED BY THE PERSONNEL POLICIES COMMITTEE TO DETERMINE SALARY RECOMMENDATIONS. OTHER OFFICERS- AND KEY EMPLOYEES' COMPENSATION ARE APPROVED BY THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8GOVERNING DOCUMENTS ARE MADE AVAILABLE UPON REQUEST. THE FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9NET CHANGE IN PENSION ASSET 430,130
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt042629409
IRS990/TotalAssetsEOYAmt044680099
IRS990/TotalAssetsGrp/BOYAmt042629409
IRS990/TotalAssetsGrp/EOYAmt044680099
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt018
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt02237774
IRS990/TotalFunctionalExpensesGrp/TotalAmt02237774
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt039098725
IRS990/TotalLiabilitiesEOYAmt040390107
IRS990/TotalLiabilitiesGrp/BOYAmt039098725
IRS990/TotalLiabilitiesGrp/EOYAmt040390107
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03530684
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04289992
IRS990/TotalProgramServiceRevenueAmt01836555
IRS990/TotalReportableCompFromOrgAmt0103957
IRS990/TotalRevenueGrp/ExclusionAmt0570617
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01996335
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02566952

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