Civic Intelligence

Hampton Roads Educators' Credit Union Inc

990 • Fiscal year 2023 • EIN 54-0623257

Oct 01, 2022 to Sep 30, 2023 • Filed on Jan 18, 2024

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

95th percentile

0.93x

Higher debt load relative to assets than 95% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Liabilities / Revenue

58th percentile

19.27x

Higher debt load relative to revenue than 58% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Net Margin

27th percentile

6.2%

Higher net margin than 27% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Top Officer Pay

34th percentile

$96,782

Higher top officer pay than 34% of similar nonprofits.

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

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Asset Growth

83rd percentile

2.5%

Faster asset growth than 83% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Revenue Growth

27th percentile

14%

Faster revenue growth than 27% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets95th percentile

Assets

Up

$42,749,283

Up $1,053,797 (+2.5%) from 2022

Net Assets

Up

$2,855,485

Up $875,451 (+44%) from 2022

Liabilities

Up

$39,893,798

Up $178,346 (+0.4%) from 2022

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin27th percentile

Revenue

Up

$2,070,345

Up $247,316 (+14%) from 2022

Expenses

Up

$1,941,823

Up $268,243 (+16%) from 2022

Net Income

Down

$128,522

Down $20,927 (-14%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth83rd 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

2023

Assets$42,749,283
Liabilities$39,893,798
Net Assets$2,855,485
Open 2023 Filing

Operations Trend

Revenue Growth27th 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

2023

Revenue$2,070,345
Expenses$1,941,823
Net Income$128,522
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2022 to Sep 30, 2023
Signed
Jan 18, 2024
Return Version
2022v5.0
Gross Receipts
$2,070,345
Mission and Program Overview

Mission

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$21,122,547$21,106,226▼ $16,321
Other Notes and Loans Receivable, Net$15,672,653$17,131,607▲ $1,458,954
Rtn Earn Endowment Incm Other Fnds$1,980,034$2,855,485▲ $875,451
Cash and Non-Interest-Bearing Accounts$2,107,282$776,405▼ $1,330,877
Land, Buildings, and Equipment, Net$124,885$140,732▲ $15,847
Prepaid Expenses and Deferred Charges$64,909$74,784▲ $9,875
Investments Other Securities$40,000$40,000→ $0
Accounts Receivable$4,437$4,384▼ $53
Total Assets$41,695,486$42,749,283▲ $1,053,797
Other Assets Total$2,558,773$3,475,145▲ $916,372
Liabilities
Other Liabilities$39,326,015$39,183,236▼ $142,779
Accounts Payable and Accrued Expenses$389,437$710,562▲ $321,125
Total Liabilities$39,715,452$39,893,798▲ $178,346
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,980,034$2,855,485▲ $875,451
Total Liabilities and Net Assets / Fund Balance$41,695,486$42,749,283▲ $1,053,797

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$65,639$719,577$785,216
Equipment$75,093$232,550$307,643
Other Assets Org$43,826--
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Karen OrieManager/CEOFT$96,782$96,782

Board Members and Trustees

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

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv- Atm & Debit CardCard ServicesPO BOX 934057, Atlanta, GA 31193-4057$227,822
Fis - Credit CardCard ServicesPO BOX 4535, Carol Stream, IL 60197$156,875
CbsCore ProcessorPO BOX 2043, Goldsboro, NC 27533$110,359
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,614,739
Investment Income
$363,750
Other Revenue
$91,856
Change in Net Assets
$128,522

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,978,489
Revenue Not Reported on Financial Statements
$91,856
Other Revenue Adjustments
$91,856
Total Revenue per Audited Statements
$1,978,489
Total Revenue per Form 990
$2,070,345
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,172,727
Salaries, Compensation, and Employee Benefits$760,933
Grants and Similar Amounts Paid$8,163
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$527,352--$527,352
Fees for Services Other$117,340--$117,340
Office Expenses$114,262--$114,262
Current Officers, Directors, Trustees, and Key Employees$104,338--$104,338
Interest$85,586--$85,586
Other Employee Benefits$82,808--$82,808
Other Expenses$73,563--$73,563
Advertising$46,903--$46,903
Payroll Taxes$46,435--$46,435
Occupancy$32,556--$32,556
Insurance$30,549--$30,549
All Other Expenses$30,424--$30,424
Conferences and Meetings$23,345--$23,345
Fees for Services Accounting$23,231--$23,231
Depreciation Depletion$22,679--$22,679
Information Technology$17,576--$17,576
Fees for Services Legal$5,616--$5,616
Grants to Domestic Orgs$4,214--$4,214
Grants to Domestic Individuals$3,949--$3,949
Travel$677--$677
Total Functional Expenses$1,941,823$0$0$1,941,823

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,941,823
Expenses per Audited Statements$1,849,967
Total Expenses per Audited Statements$1,849,967
Expenses Not Reported on Financial Statements$91,856
Other Expense Adjustments$91,856
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$39,183,236
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
2024-01-18
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
22

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 746,929”

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 netted with expense on financials 91,856”

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

“Refund netted with expense on financials 91,856”

Raw XML AppendixShowing 400 of 432 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/GrantsToDomesticOrgsGrp/TotalAmt04214
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt02070345
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt09
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt017576
IRS990/InformationTechnologyGrp/TotalAmt017576
IRS990/InsuranceGrp/ProgramServicesAmt030549
IRS990/InsuranceGrp/TotalAmt030549
IRS990/InterestGrp/ProgramServicesAmt085586
IRS990/InterestGrp/TotalAmt085586
IRS990/InvestmentIncomeGrp/ExclusionAmt0363750
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0363750
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt040000
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt040000
IRS990/IRPDocumentCnt0378
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0952127
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0124885
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0140732
IRS990/LandBldgEquipCostOrOtherBssAmt01092859
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 TAX.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01980034
IRS990/NetAssetsOrFundBalancesEOYAmt02855485
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt032556
IRS990/OccupancyGrp/TotalAmt032556
IRS990/OfficeExpensesGrp/ProgramServicesAmt0114262
IRS990/OfficeExpensesGrp/TotalAmt0114262
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02558773
IRS990/OtherAssetsTotalGrp/EOYAmt03475145
IRS990/OtherChangesInNetAssetsAmt0746929
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt082808
IRS990/OtherEmployeeBenefitsGrp/TotalAmt082808
IRS990/OtherExpensesGrp/Desc0ATM EXPENSES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING COSTS
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3SHARE AND BANK COSTS
IRS990/OtherExpensesGrp/ProgramServicesAmt0230660
IRS990/OtherExpensesGrp/ProgramServicesAmt1209101
IRS990/OtherExpensesGrp/ProgramServicesAmt2108659
IRS990/OtherExpensesGrp/ProgramServicesAmt373563
IRS990/OtherExpensesGrp/TotalAmt0230660
IRS990/OtherExpensesGrp/TotalAmt1209101
IRS990/OtherExpensesGrp/TotalAmt2108659
IRS990/OtherExpensesGrp/TotalAmt373563
IRS990/OtherLiabilitiesGrp/BOYAmt039326015
IRS990/OtherLiabilitiesGrp/EOYAmt039183236
IRS990/OtherRevenueMiscGrp/Desc0REFUND OF PENSION EXPENSE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt091856
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt091856
IRS990/OtherRevenueTotalAmt091856
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0527352
IRS990/OtherSalariesAndWagesGrp/TotalAmt0527352
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt015672653
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt017131607
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt046435
IRS990/PayrollTaxesGrp/TotalAmt046435
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt064909
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt074784
IRS990/PrincipalOfficerNm0CORNELIOUS CHAMBLISS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01098342
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1516397
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01098342
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1516397
IRS990/ProgSrvcAccomActyOtherGrp/Desc0TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt013128
IRS990/PYInvestmentIncomeAmt0245316
IRS990/PYOtherExpensesAmt0938876
IRS990/PYOtherRevenueAmt076190
IRS990/PYProgramServiceRevenueAmt01501523
IRS990/PYRevenuesLessExpensesAmt0149449
IRS990/PYSalariesCompEmpBnftPaidAmt0721576
IRS990/PYTotalExpensesAmt01673580
IRS990/PYTotalRevenueAmt01823029
IRS990/ReconcilationRevenueExpnssAmt0128522
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01980034
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02855485
IRS990/SavingsAndTempCashInvstGrp/BOYAmt021122547
IRS990/SavingsAndTempCashInvstGrp/EOYAmt021106226
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt065639
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0719577
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0785216
IRS990ScheduleD/EquipmentGrp/BookValueAmt075093
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0232550
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0307643
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt091856
IRS990ScheduleD/ExpensesSubtotalAmt01849967
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02832399
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1378058
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2141000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt379862
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt443826
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0PREPAID PENSION PLAN
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2FISERV EFT SETTLEMENT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4OTHER ASSETS
IRS990ScheduleD/OtherExpensesNotIncludedAmt091856
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt039183236
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' DEPOSITS
IRS990ScheduleD/OtherRevenuesNotIncludedAmt091856
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt091856
IRS990ScheduleD/RevenueSubtotalAmt01978489
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 NETTED WITH EXPENSE ON FINANCIALS 91,856
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2REFUND NETTED WITH EXPENSE ON FINANCIALS 91,856
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/TotalBookValueLandBuildingsAmt0140732
IRS990ScheduleD/TotalBookValueOtherAssetsAmt03475145
IRS990ScheduleD/TotalExpensesPerForm990Amt01941823
IRS990ScheduleD/TotalLiabilityAmt039183236
IRS990ScheduleD/TotalRevenuePerForm990Amt02070345
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01978489
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01849967
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 746,929
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/TotalAssetsBOYAmt041695486
IRS990/TotalAssetsEOYAmt042749283
IRS990/TotalAssetsGrp/BOYAmt041695486
IRS990/TotalAssetsGrp/EOYAmt042749283
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt016
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01941823
IRS990/TotalFunctionalExpensesGrp/TotalAmt01941823
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt039715452
IRS990/TotalLiabilitiesEOYAmt039893798
IRS990/TotalLiabilitiesGrp/BOYAmt039715452
IRS990/TotalLiabilitiesGrp/EOYAmt039893798
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01980034
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02855485
IRS990/TotalProgramServiceRevenueAmt01614739
IRS990/TotalReportableCompFromOrgAmt096782
IRS990/TotalRevenueGrp/ExclusionAmt0363750
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01706595
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02070345
IRS990/TotalVolunteersCnt022
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt041695486
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt042749283
IRS990/TravelGrp/ProgramServicesAmt0677
IRS990/TravelGrp/TotalAmt0677
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.HRECU.ORG
IRS990/WhistleblowerPolicyInd0true

Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$42,749,283
Liabilities
$39,893,798
Net assets
$2,855,485
Revenue
$2,070,345
Expenses
$1,941,823
Net income
$128,522
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