Civic Intelligence

Hampton Roads Educators' Credit Union Inc

990 • Fiscal year 2021 • EIN 54-0623257

Oct 01, 2020 to Sep 30, 2021 • Filed on Mar 03, 2022

Organization ProfileWWW.HRECU.ORG

View Organization Page

2130 Cunningham DriveHampton, VA 23666

(757) 838-0707

Siviq Scores

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

Liabilities / Assets

98th percentile

0.95x

Higher debt load relative to assets than 98% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Liabilities / Revenue

32nd percentile

20.00x

Higher debt load relative to revenue than 32% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Net Margin

56th percentile

12%

Higher net margin than 56% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Top Officer Pay

47th percentile

$97,988

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 5.3% of source-year revenue.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Asset Growth

69th percentile

12%

Faster asset growth than 69% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Revenue Growth

81st percentile

5.0%

Faster revenue growth than 81% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets98th percentile

Assets

Up

$39,238,874

Up $4,076,497 (+12%) from 2020

Net Assets

Up

$2,144,059

Up $762,739 (+55%) from 2020

Liabilities

Up

$37,094,815

Up $3,313,758 (+9.8%) from 2020

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin56th percentile

Revenue

Up

$1,854,459

Up $88,474 (+5.0%) from 2020

Expenses

Up

$1,638,121

Up $733 (+0.0%) from 2020

Net Income

Up

$216,338

Up $87,741 (+68%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth69th percentile

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

$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

2021

Assets$39,238,874
Liabilities$37,094,815
Net Assets$2,144,059
Open 2021 Filing

Operations Trend

Revenue Growth81st percentile

Revenue, expenses, and net income across loaded years, with this 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

2021

Revenue$1,854,459
Expenses$1,638,121
Net Income$216,338
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2020 to Sep 30, 2021
Signed
Mar 3, 2022
Return Version
2020v4.0
Gross Receipts
$1,854,459
Mission and Program Overview

Mission

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

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$17,265,571$19,062,656▲ $1,797,085
Other Notes and Loans Receivable, Net$14,719,603$14,793,737▲ $74,134
Cash and Non-Interest-Bearing Accounts$648,212$2,284,036▲ $1,635,824
Rtn Earn Endowment Incm Other Fnds$1,381,320$2,144,059▲ $762,739
Land, Buildings, and Equipment, Net$160,544$141,564▼ $18,980
Prepaid Expenses and Deferred Charges$58,784$54,491▼ $4,293
Investments Other Securities$40,000$40,000→ $0
Accounts Receivable$20,321$15,401▼ $4,920
Total Assets$35,162,377$39,238,874▲ $4,076,497
Other Assets Total$2,249,342$2,846,989▲ $597,647
Liabilities
Other Liabilities$33,440,333$36,698,620▲ $3,258,287
Accounts Payable and Accrued Expenses$340,724$396,195▲ $55,471
Total Liabilities$33,781,057$37,094,815▲ $3,313,758
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,381,320$2,144,059▲ $762,739
Total Liabilities and Net Assets / Fund Balance$35,162,377$39,238,874▲ $4,076,497

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$79,079$704,595$783,674
Equipment$62,485$222,770$285,255
Other Assets Org$17,274--
Compensation and Service Providers
Top Officer Pay47th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Karen OrieManager/CEOFT$97,988$97,988

Board Members and Trustees

NameTitle
Cornelious ChamblissBoard Chairm
James C WarrenBoard 1st Vi
Jacqueline Smith-watsonBoard 2nd Vi
Gloria WinderBoard Secret
Donald SandridgeBoard Treasu
Alfred C FinchDirector
Anita R HolleyDirector
Keisha SamuelsDirector
Kimberly SharpeDirector
Lynda BurkeDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv- Atm & Debit CardData ProcessingPO BOX 934057, Atlanta, GA 31193-4057$204,336
Fis - Credit CardData ProcessingPO BOX 4535, Carol Stream, IL 60197$127,044
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,450,117
Investment Income
$226,704
Other Revenue
$177,638
Change in Net Assets
$216,338

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,832,680
Revenue Not Reported on Financial Statements
$21,779
Other Revenue Adjustments
$21,779
Total Revenue per Audited Statements
$1,832,680
Total Revenue per Form 990
$1,854,459
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$908,785
Salaries, Compensation, and Employee Benefits$719,555
Grants and Similar Amounts Paid$9,781
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$501,187--$501,187
Fees for Services Other$122,226--$122,226
Office Expenses$107,223--$107,223
Current Officers, Directors, Trustees, and Key Employees$97,428--$97,428
Other Employee Benefits$75,263--$75,263
Payroll Taxes$45,677--$45,677
Advertising$33,382--$33,382
Insurance$29,665--$29,665
Occupancy$28,541--$28,541
Depreciation Depletion$27,813--$27,813
Information Technology$26,963--$26,963
Other Expenses$26,004--$26,004
Interest$22,489--$22,489
Fees for Services Accounting$20,281--$20,281
Conferences and Meetings$13,012--$13,012
Grants to Domestic Orgs$6,131--$6,131
Fees for Services Legal$5,767--$5,767
Grants to Domestic Individuals$3,650--$3,650
All Other Expenses$2,309--$2,309
Travel$499--$499
Total Functional Expenses$1,638,121$0$0$1,638,121

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,638,121
Expenses per Audited Statements$1,616,342
Total Expenses per Audited Statements$1,616,342
Expenses Not Reported on Financial Statements$21,779
Other Expense Adjustments$21,779
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$36,698,620
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
2022-03-03
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
16
Volunteers
18

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 546,401”

Financial Statement Notes

Schedule D, Page 3, Part X

“The credit union has adopted the provisions of financial accounting standards board accounting standards codification 740-10-25, which require that a tax position be recognized or derecognized based on a "more likely than not" threshold. This applies to positions taken or expected to be taken in a tax return. The credit union does not believe its financial statements include any uncertain tax positions.”

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

“Refund income netted with expenses on financial statements 21,779”

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

“Refund income netted with expenses on financial statements 21,779”

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IRS990/GrossReceiptsAmt01854459
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt09
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt026963
IRS990/InformationTechnologyGrp/TotalAmt026963
IRS990/InsuranceGrp/ProgramServicesAmt029665
IRS990/InsuranceGrp/TotalAmt029665
IRS990/InterestGrp/ProgramServicesAmt022489
IRS990/InterestGrp/TotalAmt022489
IRS990/InvestmentIncomeGrp/ExclusionAmt0226704
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0226704
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt040000
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt040000
IRS990/IRPDocumentCnt0336
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0927365
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0160544
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0141564
IRS990/LandBldgEquipCostOrOtherBssAmt01068929
IRS990/LegalDomicileStateCd0VA
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 LAW.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01381320
IRS990/NetAssetsOrFundBalancesEOYAmt02144059
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt028541
IRS990/OccupancyGrp/TotalAmt028541
IRS990/OfficeExpensesGrp/ProgramServicesAmt0107223
IRS990/OfficeExpensesGrp/TotalAmt0107223
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02249342
IRS990/OtherAssetsTotalGrp/EOYAmt02846989
IRS990/OtherChangesInNetAssetsAmt0546401
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt075263
IRS990/OtherEmployeeBenefitsGrp/TotalAmt075263
IRS990/OtherExpensesGrp/Desc0ATM EXPENSES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING COSTS
IRS990/OtherExpensesGrp/Desc2SHARE AND BANK COSTS
IRS990/OtherExpensesGrp/Desc3DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/ProgramServicesAmt0224765
IRS990/OtherExpensesGrp/ProgramServicesAmt1161744
IRS990/OtherExpensesGrp/ProgramServicesAmt256102
IRS990/OtherExpensesGrp/ProgramServicesAmt326004
IRS990/OtherExpensesGrp/TotalAmt0224765
IRS990/OtherExpensesGrp/TotalAmt1161744
IRS990/OtherExpensesGrp/TotalAmt256102
IRS990/OtherExpensesGrp/TotalAmt326004
IRS990/OtherLiabilitiesGrp/BOYAmt033440333
IRS990/OtherLiabilitiesGrp/EOYAmt036698620
IRS990/OtherRevenueMiscGrp/Desc0MCA W/O REIMBURSEMENT PAYOUT
IRS990/OtherRevenueMiscGrp/Desc1LOAN LOSS PROVISION RECOVERY
IRS990/OtherRevenueMiscGrp/Desc2REFUND OF PENSION EXPENSE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0105328
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt150531
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt221779
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0105328
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt150531
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt221779
IRS990/OtherRevenueTotalAmt0177638
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0501187
IRS990/OtherSalariesAndWagesGrp/TotalAmt0501187
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt014719603
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt014793737
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt045677
IRS990/PayrollTaxesGrp/TotalAmt045677
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt058784
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt054491
IRS990/PrincipalOfficerNm0CORNELIOUS CHAMBLISS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01012787
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1437330
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01012787
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1437330
IRS990/ProgSrvcAccomActyOtherGrp/Desc0TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt012581
IRS990/PYInvestmentIncomeAmt0258095
IRS990/PYOtherExpensesAmt0891523
IRS990/PYOtherRevenueAmt041168
IRS990/PYProgramServiceRevenueAmt01466722
IRS990/PYRevenuesLessExpensesAmt0128597
IRS990/PYSalariesCompEmpBnftPaidAmt0733284
IRS990/PYTotalExpensesAmt01637388
IRS990/PYTotalRevenueAmt01765985
IRS990/ReconcilationRevenueExpnssAmt0216338
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01381320
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02144059
IRS990/SavingsAndTempCashInvstGrp/BOYAmt017265571
IRS990/SavingsAndTempCashInvstGrp/EOYAmt019062656
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt079079
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0704595
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0783674
IRS990ScheduleD/EquipmentGrp/BookValueAmt062485
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0222770
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0285255
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt021779
IRS990ScheduleD/ExpensesSubtotalAmt01616342
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02300650
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1357400
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2109000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt362665
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt417274
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0PREPAID PENSION PLAN
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2FISERV EFT SETTLEMENT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4OTHER ASSETS
IRS990ScheduleD/OtherExpensesNotIncludedAmt021779
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt036698620
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' DEPOSITS
IRS990ScheduleD/OtherRevenuesNotIncludedAmt021779
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt021779
IRS990ScheduleD/RevenueSubtotalAmt01832680
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS ADOPTED THE PROVISIONS OF FINANCIAL ACCOUNTING STANDARDS BOARD ACCOUNTING STANDARDS CODIFICATION 740-10-25, WHICH REQUIRE THAT A TAX POSITION BE RECOGNIZED OR DERECOGNIZED BASED ON A "MORE LIKELY THAN NOT" THRESHOLD. THIS APPLIES TO POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE CREDIT UNION DOES NOT BELIEVE ITS FINANCIAL STATEMENTS INCLUDE ANY UNCERTAIN TAX POSITIONS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1REFUND INCOME NETTED WITH EXPENSES ON FINANCIAL STATEMENTS 21,779
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2REFUND INCOME NETTED WITH EXPENSES ON FINANCIAL STATEMENTS 21,779
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XI, LINE 4B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2SCHEDULE D, PAGE 4, PART XII, LINE 4B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0141564
IRS990ScheduleD/TotalBookValueOtherAssetsAmt02846989
IRS990ScheduleD/TotalExpensesPerForm990Amt01638121
IRS990ScheduleD/TotalLiabilityAmt036698620
IRS990ScheduleD/TotalRevenuePerForm990Amt01854459
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01832680
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01616342
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 546,401
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/TotalAssetsBOYAmt035162377
IRS990/TotalAssetsEOYAmt039238874
IRS990/TotalAssetsGrp/BOYAmt035162377
IRS990/TotalAssetsGrp/EOYAmt039238874
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt016
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01638121
IRS990/TotalFunctionalExpensesGrp/TotalAmt01638121
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt033781057
IRS990/TotalLiabilitiesEOYAmt037094815
IRS990/TotalLiabilitiesGrp/BOYAmt033781057
IRS990/TotalLiabilitiesGrp/EOYAmt037094815
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01381320
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02144059
IRS990/TotalProgramServiceRevenueAmt01450117
IRS990/TotalReportableCompFromOrgAmt097988
IRS990/TotalRevenueGrp/ExclusionAmt0226704
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01627755
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01854459
IRS990/TotalVolunteersCnt018
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt035162377
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt039238874
IRS990/TravelGrp/ProgramServicesAmt0499
IRS990/TravelGrp/TotalAmt0499
IRS990/TypeOfOrganizationCorpInd0X

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$39,238,874
Liabilities
$37,094,815
Net assets
$2,144,059
Revenue
$1,854,459
Expenses
$1,638,121
Net income
$216,338
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