Civic Intelligence

Entrust Financial Credit Union

EIN 54-1040653 • 501(c)14 • Richmond, VA

View Organization Page

Profile

Entrust financial credit union's primary exempt purpose is to provide superior service and solutions that meet their members' ever-changing needs. Entrust credit union is a not-for-profit, financially secure cooperative that is owned and controlled by its members.

PO Box 6882Richmond, VA 23230

www.entrustfcu.org

Siviq Scores

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

Liabilities / Assets

85th percentile

0.92x

Higher debt load relative to assets than 85% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2018

Liabilities / Revenue

49th percentile

16.47x

Higher debt load relative to revenue than 49% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2018

Net Margin

22nd percentile

3.3%

Higher net margin than 22% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2018

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

51st percentile

0.4%

Faster asset growth than 51% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Revenue Growth

32nd percentile

7.3%

Faster revenue growth than 32% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$74,599,111

Up $323,693 (+0.4%) from 2017

Liabilities

Up

$68,297,624

Up $186,037 (+0.3%) from 2017

Net Assets

Up

$6,301,487

Up $137,656 (+2.2%) from 2017

Operations
Liabilities / Revenue49th percentileNet Margin22nd percentile

Revenue

Up

$4,148,038

Up $281,889 (+7.3%) from 2017

Expenses

Up

$4,011,045

Up $257,163 (+6.9%) from 2017

Net Income

Up

$136,993

Up $24,726 (+22%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth51st percentile

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

$100M$50M$0Assets 2011: $67,045,994Liabilities 2011: $61,840,839Net Assets 2011: $5,205,1552011Assets 2014: $72,304,143Liabilities 2014: $66,424,875Net Assets 2014: $5,879,2682014Assets 2015: $83,465,224Liabilities 2015: $77,419,010Net Assets 2015: $6,046,2142015Assets 2016: $78,577,683Liabilities 2016: $72,527,706Net Assets 2016: $6,049,9772016Assets 2017: $74,275,418Liabilities 2017: $68,111,587Net Assets 2017: $6,163,8312017Assets 2018: $74,599,111Liabilities 2018: $68,297,624Net Assets 2018: $6,301,4872018

Highlighted filing

2018

Assets$74,599,111
Liabilities$68,297,624
Net Assets$6,301,487
Open 2018 Filing

Operations Trend

Revenue Growth32nd percentile

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

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2011: $4,177,497Expenses 2011: $4,334,345Net Income 2011: -$156,8482011Revenue 2014: $3,844,588Expenses 2014: $3,580,274Net Income 2014: $264,3142014Revenue 2015: $3,947,677Expenses 2015: $3,795,228Net Income 2015: $152,4492015Revenue 2016: $3,860,826Expenses 2016: $3,861,964Net Income 2016: -$1,1382016Revenue 2017: $3,866,149Expenses 2017: $3,753,882Net Income 2017: $112,2672017Revenue 2018: $4,148,038Expenses 2018: $4,011,045Net Income 2018: $136,9932018

Highlighted filing

2018

Revenue$4,148,038
Expenses$4,011,045
Net Income$136,993
Open 2018 Filing

Filings

Most recent year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$74,599,111
Liabilities
$68,297,624
Net assets
$6,301,487
Revenue
$4,148,038
Expenses
$4,011,045
Net income
$136,993
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$74.6$68.3$6.30$4.15$4.01$0.14
2017Detailed filing. Detailed filing data is available for this year.$74.3$68.1$6.16$3.87$3.75$0.11
2016Detailed filing. Detailed filing data is available for this year.$78.6$72.5$6.05$3.86$3.86$0.00
2015Detailed filing. Detailed filing data is available for this year.$83.5$77.4$6.05$3.95$3.80$0.15
2014Detailed filing. Detailed filing data is available for this year.$72.3$66.4$5.88$3.84$3.58$0.26
2011Summary only. Only limited summary data is available for this year.$67.0$61.8$5.21$4.18$4.33$0.16
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Apr 29, 2019
Return Version
2018v3.1
Gross Receipts
$4,148,038
Mission and Program Overview

Mission

Entrust financial credit union's primary exempt purpose is to provide superior service and solutions that meet their members' ever-changing needs. Entrust credit union is a not-for-profit, financially secure cooperative that is owned and controlled by its members.

The entrust financial credit union is a not-for-profit, financially secure cooperative that is owned and controlled by its members. Our mission is to be our members' trusted partner, known by the membership for providing superior service and solutions that meet our members' ever-changing needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$41,532,277$43,840,637▲ $2,308,360
Investments Program Related$21,847,781$18,826,089▼ $3,021,692
Cash and Non-Interest-Bearing Accounts$4,439,579$6,874,943▲ $2,435,364
Rtn Earn Endowment Incm Other Fnds$6,163,831$6,301,487▲ $137,656
Investments Other Securities$3,522,699$2,338,160▼ $1,184,539
Land, Buildings, and Equipment, Net$952,300$874,935▼ $77,365
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$74,275,418$74,599,111▲ $323,693
Other Assets Total$1,980,782$1,844,347▼ $136,435
Liabilities
Other Liabilities$67,832,367$67,913,219▲ $80,852
Accounts Payable and Accrued Expenses$279,220$384,405▲ $105,185
Total Liabilities$68,111,587$68,297,624▲ $186,037
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,163,831$6,301,487▲ $137,656
Total Liabilities and Net Assets / Fund Balance$74,275,418$74,599,111▲ $323,693

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$608,609$991,683$1,600,292
Equipment$72,358$1,212,498$1,284,856
Land$193,968-$193,968
Investment Program Related Org$18,826,089--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lisa LambrechtPresident/CEOFT$158,131$19,533$177,664

Board Members and Trustees

NameTitle
Cheri SpenceChairperson
John Upton JrVice Chairman
Dewey ReynoldsMember of Board of Directo
H Lindsey ClemMember of Board of Directo
James WhiteMember of Board of Directo
Paige PeakSecretary
Timothy HoltzTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,342,817
Investment Income
$498,523
Other Revenue
$1,306,698
Change in Net Assets
$136,993

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,148,038
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$663
Total Revenue per Audited Statements
$4,148,701
Total Revenue per Form 990
$4,148,038
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,683,487
Salaries, Compensation, and Employee Benefits$1,327,558
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$893,016
All Other Expenses---$736,925
Other Employee Benefits---$276,411
Interest---$164,064
Current Officers, Directors, Trustees, and Key Employees---$158,131
Other Expenses---$138,739
Occupancy---$91,683
Depreciation Depletion---$88,204
Advertising---$79,210
Insurance---$50,178
Fees for Services Accounting---$32,431
Conferences and Meetings---$26,546
Office Expenses---$23,658
Fees for Services Legal---$8,158
Total Functional Expenses$0$0$0$4,011,045

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,011,045
Total Expenses per Audited Statements$4,011,045
Total Expenses per Form 990$4,011,045
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE AND SAVINGS ACCOUNTS$67,913,219
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization does have members. Members elect the governing body.”

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

“Members of the organization have the power to elect members of the governing body (board of directors).”

Form 990, Part VI, Section A, Line 7B

“The members vote on significant decisions such as mergers and charter changes.”

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

“The organization will provide a complete copy of the form 990 to members of the governing body only upon request. The president/ceo will review the form 990.”

Form 990, Part VI, Section B, Line 12C

“All board members complete and signoff on a conflict of interest disclosure and any potential conflicts are documented/explained if needed.”

Form 990, Part VI, Section B, Line 15A

“Ceo compensation package is reviewed annually by the personnel committee (consists of board members) and is compared to ceo compensation of credit unions within same peer group by a third party.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Entrust Financial Credit Union
EIN
54-1040653
Phone
8043538012
Address
PO BOX 6882, RICHMOND, VA 23230

Signing Officer

Name
Lisa M Lambrecht
Title
President/CEO
Phone
8043538012
Signed
2019-04-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lisa M Lambrecht
Formed
1970
Legal Domicile
Va
Voting Board Members
7
Independent Board Members
7
Employees
23
Volunteers
11

Preparer

Firm
Brown Edwards & Company Llp
Address
2102 LANGHORNE ROAD SUITE 200, LYNCHBURG, VA 24501-1121
Preparer
Susan Ackley
Phone
4349489000
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Internet and mobile bank 83,408. Consulting services 74,066. Mortgage 67,462. Shared branch expense 60,553. Plastics fraud 58,289. Forms 56,440. Miscellaneous expenses 42,782. Collection expense 36,297. Outside services 28,843. Bank service charges 28,446. Postage expense 27,025. Passage expense 26,527. Bill payment expense 26,052. Association fees/dues 20,261. Goodworks expense 19,284. Development 18,000. Cudl expense 14,422. Services 11,290. Charitable contributions 10,564. Federal operating fee expense 10,447. Equipment maint and contracts 10,351. Share drafts/checking 6,116.”

FORM 990, PART XI, LINE 9:

“Reclassification adjustment for gains included in net income 663.”

Form 990, Part XII, Line 2C, Financial Statements and Reporting

“The supervisory committee is charged with hiring the audit firm and that is to whom the firm directly reports. This process has not changed.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt by statute from federal and state income taxes except for net taxable income from certain products and services involving nonmember transactions, which have been deemed by the internal revenue service to be unrelated to the credit union's exempt purpose, and thus subject to income taxes under the unrelated business income tax (ubit) regulations. The credit union expects any tax payable as of december 31, 2018 to be immaterial.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Reclassification adjustment for gains included in net income 663.”

Raw XML AppendixShowing 400 of 411 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/OtherRevenueMiscGrp/TotalRevenueColumnAmt185918
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt210628
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt010628
IRS990/OtherRevenueTotalAmt01306698
IRS990/OtherSalariesAndWagesGrp/TotalAmt0893016
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt041532277
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt043840637
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0LISA M LAMBRECHT
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02342817
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02342817
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0440531
IRS990/PYOtherExpensesAmt02489794
IRS990/PYOtherRevenueAmt01280570
IRS990/PYProgramServiceRevenueAmt02145048
IRS990/PYRevenuesLessExpensesAmt0112267
IRS990/PYSalariesCompEmpBnftPaidAmt01264088
IRS990/PYTotalExpensesAmt03753882
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03866149
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0136993
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06163831
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06301487
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0608609
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0991683
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01600292
IRS990ScheduleD/EquipmentGrp/BookValueAmt072358
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01212498
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01284856
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt04011045
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt018826089
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERTIFICATES OF DEPOSITS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt0193968
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0193968
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt067913219
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE AND SAVINGS ACCOUNTS
IRS990ScheduleD/OtherRevenueAmt0663
IRS990ScheduleD/RevenueNotReportedAmt0663
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt04148038
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL AND STATE INCOME TAXES EXCEPT FOR NET TAXABLE INCOME FROM CERTAIN PRODUCTS AND SERVICES INVOLVING NONMEMBER TRANSACTIONS, WHICH HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE, AND THUS SUBJECT TO INCOME TAXES UNDER THE UNRELATED BUSINESS INCOME TAX (UBIT) REGULATIONS. THE CREDIT UNION EXPECTS ANY TAX PAYABLE AS OF DECEMBER 31, 2018 TO BE IMMATERIAL.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1RECLASSIFICATION ADJUSTMENT FOR GAINS INCLUDED IN NET INCOME 663.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0874935
IRS990ScheduleD/TotalBookValueProgramRltdAmt018826089
IRS990ScheduleD/TotalExpensesPerForm990Amt04011045
IRS990ScheduleD/TotalLiabilityAmt067913219
IRS990ScheduleD/TotalRevenuePerForm990Amt04148038
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04148701
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt04011045
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0158131
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt019533
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0LISA LAMBRECHT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0177664
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION DOES HAVE MEMBERS. MEMBERS ELECT THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE ORGANIZATION HAVE THE POWER TO ELECT MEMBERS OF THE GOVERNING BODY (BOARD OF DIRECTORS).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE MEMBERS VOTE ON SIGNIFICANT DECISIONS SUCH AS MERGERS AND CHARTER CHANGES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION WILL PROVIDE A COMPLETE COPY OF THE FORM 990 TO MEMBERS OF THE GOVERNING BODY ONLY UPON REQUEST. THE PRESIDENT/CEO WILL REVIEW THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL BOARD MEMBERS COMPLETE AND SIGNOFF ON A CONFLICT OF INTEREST DISCLOSURE AND ANY POTENTIAL CONFLICTS ARE DOCUMENTED/EXPLAINED IF NEEDED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CEO COMPENSATION PACKAGE IS REVIEWED ANNUALLY BY THE PERSONNEL COMMITTEE (CONSISTS OF BOARD MEMBERS) AND IS COMPARED TO CEO COMPENSATION OF CREDIT UNIONS WITHIN SAME PEER GROUP BY A THIRD PARTY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7INTERNET AND MOBILE BANK 83,408. CONSULTING SERVICES 74,066. MORTGAGE 67,462. SHARED BRANCH EXPENSE 60,553. PLASTICS FRAUD 58,289. FORMS 56,440. MISCELLANEOUS EXPENSES 42,782. COLLECTION EXPENSE 36,297. OUTSIDE SERVICES 28,843. BANK SERVICE CHARGES 28,446. POSTAGE EXPENSE 27,025. PASSAGE EXPENSE 26,527. BILL PAYMENT EXPENSE 26,052. ASSOCIATION FEES/DUES 20,261. GOODWORKS EXPENSE 19,284. DEVELOPMENT 18,000. CUDL EXPENSE 14,422. SERVICES 11,290. CHARITABLE CONTRIBUTIONS 10,564. FEDERAL OPERATING FEE EXPENSE 10,447. EQUIPMENT MAINT AND CONTRACTS 10,351. SHARE DRAFTS/CHECKING 6,116.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8RECLASSIFICATION ADJUSTMENT FOR GAINS INCLUDED IN NET INCOME 663.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9THE SUPERVISORY COMMITTEE IS CHARGED WITH HIRING THE AUDIT FIRM AND THAT IS TO WHOM THE FIRM DIRECTLY REPORTS. THIS PROCESS HAS NOT CHANGED.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 24E
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII, LINE 2C, FINANCIAL STATEMENTS AND REPORTING
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0VA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt074275418
IRS990/TotalAssetsEOYAmt074599111
IRS990/TotalAssetsGrp/BOYAmt074275418
IRS990/TotalAssetsGrp/EOYAmt074599111
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt023
IRS990/TotalFunctionalExpensesGrp/TotalAmt04011045
IRS990/TotalGrossUBIAmt010928
IRS990/TotalLiabilitiesBOYAmt068111587
IRS990/TotalLiabilitiesEOYAmt068297624
IRS990/TotalLiabilitiesGrp/BOYAmt068111587
IRS990/TotalLiabilitiesGrp/EOYAmt068297624
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06163831
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06301487
IRS990/TotalOtherCompensationAmt019533
IRS990/TotalProgramServiceRevenueAmt02342817
IRS990/TotalReportableCompFromOrgAmt0158131
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04137110
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04148038
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt010928
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt074275418
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt074599111
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0P O BOX 6882
IRS990/USAddress/CityNm0RICHMOND
IRS990/USAddress/StateAbbreviationCd0VA
IRS990/USAddress/ZIPCd023230
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.ENTRUSTFCU.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0LISA M LAMBRECHT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08043538012
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-04-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ENTRUST FINANCIAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ENTR
ReturnHeader/Filer/EIN0541040653
ReturnHeader/Filer/PhoneNum08043538012
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 6882
ReturnHeader/Filer/USAddress/CityNm0RICHMOND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0VA
ReturnHeader/Filer/USAddress/ZIPCd023230
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0F75A4857B52D28EE9D0B6B28B386CC6B9346B41E
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId01626BA036CF3DDA5592C13B1B33E888B46C24478
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0206.248.228.130
ReturnHeader/FilingSecurityInformation/IPDt02019-04-29
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm012:28:31
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0540504608
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BROWN EDWARDS & COMPANY LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02102 LANGHORNE ROAD SUITE 200

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