Liabilities / Assets
43rd percentile
Higher debt load relative to assets than 43% of similar nonprofits.
Centra Health Credit Union
EIN 54-0979435 • 501(c)14
Profile
The mission of the centra health credit union is to meet the financial needs of our members with quality service while maintaining fiscal soundness for our credit union.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.84x
Liabilities / Revenue
90th percentile
Higher debt load relative to revenue than 90% of similar nonprofits.
Net Margin
72nd percentile
Higher net margin than 72% of similar nonprofits.
Top Officer Pay
18th percentile
Higher top officer pay than 18% of similar nonprofits.
Top officer pay equals 11.9% of source-year revenue.
Asset Growth
97th percentile
Faster asset growth than 97% of similar nonprofits.
Revenue Growth
52nd percentile
Faster revenue growth than 52% of similar nonprofits.
Balance Sheet
Assets
Up$10,607,419
Up $1,263,256 (+14%) from 2012
Liabilities
Up$8,928,676
Up $1,208,083 (+16%) from 2012
Net Assets
Up$1,678,743
Up $55,173 (+3.4%) from 2012
Revenue
$319,465
No earlier filing loaded for comparison.
Expenses
Up$264,292
Up $20,598 (+8.5%) from 2012
Net Income
$55,173
No earlier filing loaded for comparison.
Trend Graphs
Filings
Most recent year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $10,607,419
- Liabilities
- $8,928,676
- Net assets
- $1,678,743
- Revenue
- $319,465
- Expenses
- $264,292
- Net income
- $55,173
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- May 7, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $319,465
Mission and Program Overview
Mission
The mission of the centra health credit union is to meet the financial needs of our members with quality service while maintaining fiscal soundness for our credit union.
To provide sound financial services to centra health members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $3,881,237 | $3,903,553 | ▲ $22,316 |
| Other Notes and Loans Receivable, Net | $2,783,218 | $3,445,631 | ▲ $662,413 |
| Cash and Non-Interest-Bearing Accounts | $2,521,846 | $3,049,689 | ▲ $527,843 |
| Rtn Earn Endowment Incm Other Fnds | $1,623,570 | $1,678,743 | ▲ $55,173 |
| Receivables From Officers Etc | $149,112 | $191,599 | ▲ $42,487 |
| Prepaid Expenses and Deferred Charges | $4,185 | $12,731 | ▲ $8,546 |
| Land, Buildings, and Equipment, Net | $4,565 | $4,216 | ▼ $349 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $9,344,163 | $10,607,419 | ▲ $1,263,256 |
| Liabilities | |||
| Other Liabilities | $7,719,136 | $8,926,298 | ▲ $1,207,162 |
| Accounts Payable and Accrued Expenses | $1,457 | $2,378 | ▲ $921 |
| Total Liabilities | $7,720,593 | $8,928,676 | ▲ $1,208,083 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,623,570 | $1,678,743 | ▲ $55,173 |
| Total Liabilities and Net Assets / Fund Balance | $9,344,163 | $10,607,419 | ▲ $1,263,256 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $4,216 | $25,983 | $30,199 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Courtney Fulcher | Branch Manager | PT | $38,000 | $38,000 |
| Claudia Rawes | Branch Manager | PT | $36,000 | $36,000 |
Board Members and Trustees
| Name | Title |
|---|---|
| Kimberly Price | President |
| Lisa Barber | Vice President |
| Connie Stocks | Director |
| Rebecca Garrett | Director |
| Yvonne Younger | Director |
| Kellyanne Brown | Secretary |
| Janet Bowyer | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $291,388
- Investment Income
- $28,077
- Other Revenue
- $0
- Change in Net Assets
- $55,173
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $179,849 |
| Salaries, Compensation, and Employee Benefits | $84,443 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $74,000 |
| All Other Expenses | - | - | - | $17,497 |
| Office Expenses | - | - | - | $13,840 |
| Other Expenses | - | - | - | $6,902 |
| Payroll Taxes | - | - | - | $6,643 |
| Other Salaries and Wages | - | - | - | $3,800 |
| Total Functional Expenses | $0 | $0 | $0 | $264,292 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| 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 Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $149,112 | $191,599 | ▲ $42,487 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Shares | $5,147,010 |
| Share Certificates | $3,543,643 |
| Christmas Club | $226,784 |
| Dividends Payable | $8,861 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- 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
- 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, Part VI, Section A, Line 6
“The organization is a credit union. Individuals who deposit money with the credit union are considered members.”
Form 990, Part VI, Section A, Line 7A
“Members of the credit union are given the opportunity to elect the board of directors through an annual vote.”
Form 990, Part VI, Section A, Line 7B
“Members would be allowed to vote on any major decisions regarding the credit union, such as the election of the board of directors, amendments to the articles of incorporation, a plan of merger, a proposed sale of assets, or the dissolution of the credit union. However, most of the day-to-day decisions of the board of directors are not subject to the members' approval. If a member vote is needed notice is given to members not less than 25 days nor more than 60 days before the planned meeting vote.”
Form 990, Part VI, Section B, Line 11
“A draft copy of the form 990 is provided to the board members prior to filing. Board members are given a period of time to comment or suggest changes to the draft before filing. The board presdient also reviews the form 990 prior to signing and filing.”
Form 990, Part VI, Section B, Line 12C
“The organization's policy requires full written disclosure of all conflicts of interest made by the interested parties to the full board of directors. Each board member, officer, staff member, and volutneer shall sign the policy at the beginning of their term of service and each year thereafter.in the event of a conflict the member will recuse themselves from the vote and transactions.”
Form 990, Part VI, Section B, Line 15
“The compensation of centra health credit union employees is approved annually by the board of directors. The board president typically makes recommendations on the credit union employees' compensation based on the raises received by centra health hospital employees.centra health hospital undergoes extensive compensation analysis to ensure reasonableness. Approval of all compensation is documented in the board minutes.”
Form 990, Part VI, Section C, Line 19
“The organization makes its governing documents available to the public upon request. Monthly financial statements are posted in the credit union's branch offices for public inspection.”
Filing and Contact Details
Filer
- EIN
- 54-0979435
- Phone
- 4342003140
Signing Officer
- Name
- Kimberly Price
- Title
- President
- Phone
- 4342003140
- Signed
- 2014-05-07
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Kimberly Price
- Formed
- 1965
- Legal Domicile
- Va
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 3
- Volunteers
- 7
Preparer
- Preparer
- Leah K Keller
- Phone
- 4348476643
Supplemental Narrative
Additional Explanations
PAGE 1, PART I:
“Membership to the centra health credit union is open to employees, volunteers, medical staff, members of their immediate families, and association of such persons and the incorporators and employees of the credit union.”
Raw XML AppendixShowing 400 of 518 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/Desc | 0 | THE CENTRA HEALTH CREDIT IS A MEMBER OWNED CREDIT UNION. IT PROVIDES SAVINGS, LOANS, AND CHRISTMAS CLUBS TO ITS MEMBERSHIP. THE FIELD OF MEMBERSHIP SHALL CONSIST OF EMPLOYEES, VOLUNTEERS, MEDICAL STAFF, AND IMMEDIATE FAMILY OF CENTA HEALTH. SHARES ARE DEFINED AS THE INTEREST OF A MEMBER, HAVING AN ACCOUNT WITH THIS CREDIT UNION. TO BE A MEMBER OF THE CREDIT UNION, YOU MUST HAVE AT LEAST ONE SHARE ($5). DEPOSITS MAY BE MADE INTO THIS SHARE SAVINGS THROUGH CENTRA HEALTH PAYROLL, CASH, OR CHECKS OR OTHER LEGAL TENDER.IN ADDITION TO SHARE SAVINGS, THIS CREDIT UNION OFFERS CHRISTMAS CLUB ACCOUNTS, CERTIFICATE OF DEPOSIT, AND VARIOUS TYPES OF LOANS.ALL SHARE SAVINGS ACCOUNTS WITH THIS CREDIT UNION ARE INSURED BY THE NCUA AT $250,000 PER ACCOUNT.POLICIES AND PROCEDURES OF THIS CREDIT UNION ARE SUBJECT TO REVISION AND CHANGE THROUGH ITS BOARD OF DIRECTORS, STATE CORP. COMMISSION AND THE NCUA. |
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| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 31322 |
| IRS990/PYOtherExpensesAmt | 0 | 159863 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 241467 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 29095 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 83831 |
| IRS990/PYTotalExpensesAmt | 0 | 243694 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 272789 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 149112 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 191599 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 55173 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 1 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1623570 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1678743 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3881237 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3903553 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 4216 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 25983 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 30199 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 8861 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 3543643 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 5147010 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 226784 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | DIVIDENDS PAYABLE |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | SHARE CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | MEMBER SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | CHRISTMAS CLUB |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 4216 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 8926298 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 45264 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 21947 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 2 | 9425 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 3 | 4561 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 4 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 5 | 2959 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 6 | 34323 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 7 | 9327 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 8 | 6491 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 9 | 2173 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 10 | 9750 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 11 | 24307 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 12 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 13 | 11066 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 14 | 10006 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 2 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 3 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 4 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 5 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 6 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 7 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 8 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 9 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 10 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 11 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 12 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 13 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 14 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 2 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 3 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 4 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 5 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 6 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 7 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 8 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 9 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 10 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 11 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 12 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 13 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 14 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 2 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 3 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 4 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 5 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 6 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 7 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 8 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 9 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 10 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 11 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 12 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 13 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 14 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | SHARE SECURED LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | NEW AUTO LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 2 | LINE OF CREDIT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 3 | LINE OF CREDIT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 4 | NEW AUTO LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 5 | LINE OF CREDIT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 6 | NEW AUTO LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 7 | LINE OF CREDIT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 8 | LINE OF CREDIT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 9 | LINE OF CREDIT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 10 | USED AUTO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 11 | NEW AUTO LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 12 | LINE OF CREDIT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 13 | USED AUTO LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 14 | OTHER PROPERTY |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 49567 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 32425 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 2 | 11760 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 3 | 5000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 4 | 26713 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 5 | 3370 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 6 | 34323 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 7 | 9590 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 8 | 6276 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 9 | 4348 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 10 | 12985 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 11 | 28954 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 12 | 5000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 13 | 11464 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 14 | 10300 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | LISA O BARBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | KIMBERLY S PRICE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 2 | KIMBERLY S PRICE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 3 | KELLY ANNE BROWN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 4 | REBECCA S GARRETT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 5 | YVONNE P YOUNGER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 6 | EDWARD O PRICE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 7 | EDWARD O PRICE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 8 | HOLLY R KNIGHT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 9 | BECKY T POLLARD |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 10 | LISA O BARBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 11 | KELLY ANNE BROWN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 12 | COURTNEY FULCHER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 13 | KIMBERLY S PRICE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 14 | COURTNEY FULCHER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | CURRENT BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 1 | CURRENT BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 2 | CURRENT BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 3 | CURRENT BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 4 | CURRENT BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 5 | CURRENT BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 6 | CREDIT COMMITTEE MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 7 | CREDIT COMMITTEE MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 8 | CREDIT COMMITTEE MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 9 | SUPERVISORY COMMITTEE MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 10 | CURRENT BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 11 | CURRENT BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 12 | MANAGEMENT OFFICER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 13 | CURRENT BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 14 | MANAGEMENT OFFICER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 2 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 3 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 4 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 5 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 6 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 7 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 8 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 9 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 10 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 11 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 12 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 13 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 14 | 1 |
| IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt | 0 | ALL LOANS WITH INTERESTED PERSONS ARE NEGOTIATED AT ARM'S LENGTH, WITH INTEREST AT FAIR MARKET VALUE. |
| IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE L, PART II: |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 191599 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE ORGANIZATION IS A CREDIT UNION. INDIVIDUALS WHO DEPOSIT MONEY WITH THE CREDIT UNION ARE CONSIDERED MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | MEMBERS OF THE CREDIT UNION ARE GIVEN THE OPPORTUNITY TO ELECT THE BOARD OF DIRECTORS THROUGH AN ANNUAL VOTE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | MEMBERS WOULD BE ALLOWED TO VOTE ON ANY MAJOR DECISIONS REGARDING THE CREDIT UNION, SUCH AS THE ELECTION OF THE BOARD OF DIRECTORS, AMENDMENTS TO THE ARTICLES OF INCORPORATION, A PLAN OF MERGER, A PROPOSED SALE OF ASSETS, OR THE DISSOLUTION OF THE CREDIT UNION. HOWEVER, MOST OF THE DAY-TO-DAY DECISIONS OF THE BOARD OF DIRECTORS ARE NOT SUBJECT TO THE MEMBERS' APPROVAL. IF A MEMBER VOTE IS NEEDED NOTICE IS GIVEN TO MEMBERS NOT LESS THAN 25 DAYS NOR MORE THAN 60 DAYS BEFORE THE PLANNED MEETING VOTE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | A DRAFT COPY OF THE FORM 990 IS PROVIDED TO THE BOARD MEMBERS PRIOR TO FILING. BOARD MEMBERS ARE GIVEN A PERIOD OF TIME TO COMMENT OR SUGGEST CHANGES TO THE DRAFT BEFORE FILING. THE BOARD PRESDIENT ALSO REVIEWS THE FORM 990 PRIOR TO SIGNING AND FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE ORGANIZATION'S POLICY REQUIRES FULL WRITTEN DISCLOSURE OF ALL CONFLICTS OF INTEREST MADE BY THE INTERESTED PARTIES TO THE FULL BOARD OF DIRECTORS. EACH BOARD MEMBER, OFFICER, STAFF MEMBER, AND VOLUTNEER SHALL SIGN THE POLICY AT THE BEGINNING OF THEIR TERM OF SERVICE AND EACH YEAR THEREAFTER.IN THE EVENT OF A CONFLICT THE MEMBER WILL RECUSE THEMSELVES FROM THE VOTE AND TRANSACTIONS. |
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