Liabilities / Assets
91st percentile
Higher debt load relative to assets than 91% of similar nonprofits.
Baylands Family Credit Union
EIN 54-6038172 • 501(c)14 • West Point, VA
Profile
Baylands family credit union is committed to serving the financial needs of our membership. It is our responsibility to maximize the benefits to our members while maintaining financial stability.we will provide a climate in which our employees are stimulated to achieve outstanding performance and professionalism.we are a member-owned institution that exists not for profit, but for service."
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.92x
Liabilities / Revenue
76th percentile
Higher debt load relative to revenue than 76% of similar nonprofits.
Net Margin
37th percentile
Higher net margin than 37% of similar nonprofits.
Top Officer Pay
16th percentile
Higher top officer pay than 16% of similar nonprofits.
Top officer pay equals 2.5% of source-year revenue.
Asset Growth
35th percentile
Faster asset growth than 35% of similar nonprofits.
Revenue Growth
24th percentile
Faster revenue growth than 24% of similar nonprofits.
Balance Sheet
Assets
Down$89,514,156
Down $270,362 (-0.3%) from 2023
Liabilities
Down$82,246,298
Down $2,294,113 (-2.7%) from 2023
Net Assets
Up$7,267,858
Up $2,023,751 (+39%) from 2023
Revenue
Up$4,546,488
Up $136,649 (+3.1%) from 2023
Expenses
Up$4,169,507
Up $192,260 (+4.8%) from 2023
Net Income
Down$376,981
Down $55,611 (-13%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $89,514,156
- Liabilities
- $82,246,298
- Net assets
- $7,267,858
- Revenue
- $4,546,488
- Expenses
- $4,169,507
- Net income
- $376,981
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- May 8, 2025
- Return Version
- 2024v5.1
- Gross Receipts
- $4,546,488
Mission and Program Overview
Mission
Baylands family credit union is committed to serving the financial needs of our membership. It is our responsibility to maximize the benefits to our members while maintaining financial stability.we will provide a climate in which our employees are stimulated to achieve outstanding performance and professionalism.we are a member-owned institution that exists not for profit, but for service."
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $48,051,760 | $47,321,114 | ▼ $730,646 |
| Investments Other Securities | $14,712,936 | $14,769,993 | ▲ $57,057 |
| Investments Program Related | $15,516,894 | $13,210,511 | ▼ $2,306,383 |
| Rtn Earn Endowment Incm Other Fnds | $5,244,107 | $7,267,858 | ▲ $2,023,751 |
| Cash and Non-Interest-Bearing Accounts | $3,111,229 | $5,127,356 | ▲ $2,016,127 |
| Land, Buildings, and Equipment, Net | $2,793,795 | $2,821,024 | ▲ $27,229 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $89,784,518 | $89,514,156 | ▼ $270,362 |
| Other Assets Total | $5,597,904 | $6,264,158 | ▲ $666,254 |
| Liabilities | |||
| Other Liabilities | $84,152,241 | $81,958,896 | ▼ $2,193,345 |
| Accounts Payable and Accrued Expenses | $388,170 | $287,402 | ▼ $100,768 |
| Total Liabilities | $84,540,411 | $82,246,298 | ▼ $2,294,113 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $5,244,107 | $7,267,858 | ▲ $2,023,751 |
| Total Liabilities and Net Assets / Fund Balance | $89,784,518 | $89,514,156 | ▼ $270,362 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,077,532 | $1,432,525 | $2,510,057 |
| Equipment | $192,061 | $2,153,731 | $2,345,792 |
| Land | $1,226,179 | - | $1,226,179 |
| Leasehold Improvements | $325,252 | $435,758 | $761,010 |
| Investment Program Related Org | $13,210,511 | - | - |
| Other Assets Org | $5,145,065 | - | - |
| Other Securities | $92,758 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Joseph F Drexler Iii | President/CEO | FT | $112,242 | $112,242 |
Board Members and Trustees
| Name | Title |
|---|---|
| Teresa Millis | Chair, Supervisory Committee |
| - | Chairman |
| Deborah T Ball | Vice Chairman |
| Carolyn B Lockley | 401(k) & Pension Trustee |
| George R Carter | Director |
| Maureen H Wilson | Director |
| Terry a Reed | Director |
| Todd C Welch | Director |
| Troy E Foster | Director |
| Martha E Hart | Secretary & Retirement Plan Trustee |
| M Ragan Hart | Asst. Secretary |
| Christine L Hite | Supervisory Committee |
| Teresa S Whitaker | Supervisory Committee |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $3,014,177
- Investment Income
- $460,961
- Other Revenue
- $1,071,350
- Change in Net Assets
- $376,981
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $4,546,488
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $1,646,770
- Total Revenue per Audited Statements
- $6,193,258
- Total Revenue per Form 990
- $4,546,488
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $2,565,885 |
| Salaries, Compensation, and Employee Benefits | $1,603,622 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,202,760 |
| Interest | - | - | - | $741,139 |
| All Other Expenses | - | - | - | $526,874 |
| Other Employee Benefits | - | - | - | $288,620 |
| Other Expenses | - | - | - | $193,762 |
| Occupancy | - | - | - | $138,077 |
| Depreciation Depletion | - | - | - | $123,790 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $112,242 |
| Information Technology | - | - | - | $101,929 |
| Advertising | - | - | - | $78,945 |
| Fees for Services Accounting | - | - | - | $54,495 |
| Office Expenses | - | - | - | $41,596 |
| Fees for Services Legal | - | - | - | $28,044 |
| Conferences and Meetings | - | - | - | $8,099 |
| Travel | - | - | - | $5,433 |
| Total Functional Expenses | $0 | $0 | $0 | $4,169,507 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $4,169,507 |
| Total Expenses per Audited Statements | $4,169,507 |
| Total Expenses per Form 990 | $4,169,507 |
| 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 Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| MEMBER'S SHARE ACCOUNTS | $81,819,387 |
| Other Post Retirement Benefits | $139,009 |
| Cecl Reserve for Unfunded Commitments | $500 |
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 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
- 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 2
“The board's vice chairman, martha hart, is the mother of the current supervisory committee chairperson, m. Ragan hart.”
Form 990, Part VI, Section A, Line 6
“The organization does have members.”
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 not provide a complete copy of the form 990 to members of the governing body before filing the return. The ceo will review the 990.”
Form 990, Part VI, Section B, Line 12C
“All employees and directors have to complete the form annually.”
Form 990, Part VI, Section B, Line 15A
“Baylands has an established salary range that is updated every 2 years with a cost of living adjustment, based on industry survey of peer credit unions. The salary range is given to the board of director's executive committee along with previous earnings and the increase is then administered by them based on performance and key initiatives. The increase is then subject to board approval.”
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
- Baylands Family Credit Union
- EIN
- 54-6038172
- Phone
- 8048432520
- Address
- PO BOX 392, WEST POINT, VA 23181
Signing Officer
- Name
- Teresa Millis
- Title
- President & CEO
- Phone
- 8048432520
- Signed
- 2025-05-08
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Teresa Millis
- Formed
- 1946
- Legal Domicile
- Va
- Voting Board Members
- 9
- Independent Board Members
- 9
- Employees
- 34
- Volunteers
- 13
Preparer
- Firm
- Brown Edwards & Company Llp
- Address
- 828 MAIN STREET SUITE 1401, LYNCHBURG, VA 24504
- Preparer
- Patrick Pittman
- Phone
- 4349489000
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 24E
“Maintenance 148,900. Loan servicing fees 116,566. Communications expense 52,542. Dues & subscriptions 35,033. Bond insurance 24,153. Cumis package fee 19,842. State corporation commission expense 16,695. Outside services fees 16,432. Miscellaneous expense 14,782. Federal reserve charges 12,918. Community contributions/pr 11,415. Palmetto expense 9,211. Staff training and education 8,530. Ira services 7,683. Annual meeting expense 7,483. Mortgage loan expense 6,395. Corp america expenses 3,894. Personal property rental expense 3,658. Strategic planning expense 3,180. Employee clothing 2,923. Employee relations expense 2,649. Promotional giveaways 2,519. Board expense 2,410. Cbs fee for o/d priv 1,800. Employee meal costs 604. Printing services 89. Moneygram charges -2,209. Prov. For privilege service -3,223.”
FORM 990, PART XI, LINE 9:
“Change in net position and other postemployment benefit obligations 516,556.”
Form 990, Part XII, Line 2C
“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 XI, LINE 2D - OTHER ADJUSTMENTS:
“Change in net position and other postemployment benefit obligations”
Raw XML AppendixShowing 400 of 453 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.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 388170 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 287402 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | BAYLANDS FAMILY CREDIT UNION IS COMMITTED TO SERVING THE FINANCIAL NEEDS OF OUR MEMBERSHIP. IT IS OUR RESPONSIBILITY TO MAXIMIZE THE BENEFITS TO OUR MEMBERS WHILE MAINTAINING FINANCIAL STABILITY.WE WILL PROVIDE A CLIMATE IN WHICH OUR EMPLOYEES ARE STIMULATED TO ACHIEVE OUTSTANDING PERFORMANCE AND PROFESSIONALISM.WE ARE A MEMBER-OWNED INSTITUTION THAT EXISTS NOT FOR PROFIT, BUT FOR SERVICE." |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 78945 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 526874 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | BAYLANDS FAMILY CU |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 8048432520 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | PO BOX 392 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | WEST POINT |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | VA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 23181 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 3111229 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 5127356 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 112242 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 8099 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 460961 |
| IRS990/CYOtherExpensesAmt | 0 | 2565885 |
| IRS990/CYOtherRevenueAmt | 0 | 1071350 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 3014177 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 376981 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1603622 |
| IRS990/CYTotalExpensesAmt | 0 | 4169507 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 4546488 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 123790 |
| IRS990/Desc | 0 | PROGRAM SERVICE ACCOMPLISHMENTS INCLUDE LESS EXPENSIVE LOAN PRODUCTS RELATIVE TO OTHER FINANCIAL INSTITUTIONS, COMPARATIVE DEPOSIT ACCOUNT RATES, AND STRONG COMMUNITY INVOLVEMENT. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 34 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 1 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 54495 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 28044 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form1098CFiledInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form8899Filedind | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 0 | MARY G SIMMONS |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/InstitutionalTrusteeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | GEORGE R CARTER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | CHRISTINE L HITE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | TODD C WELCH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | TROY E FOSTER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | TERRY A REED |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | TERESA S WHITAKER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | MAUREEN H WILSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | CAROLYN B LOCKLEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | MARTHA E HART |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | DEBORAH T BALL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | M RAGAN HART |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | TERESA MILLIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | JOSEPH F DREXLER III |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 112242 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | SUPERVISORY COMMITTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | SUPERVISORY COMMITTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | 401(K) & PENSION TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SECRETARY & RETIREMENT PLAN TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | ASST. SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | CHAIR, SUPERVISORY COMMITTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | CHAIRMAN |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1946 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 4546488 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 101929 |
| IRS990/InterestGrp/TotalAmt | 0 | 741139 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 460961 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 460961 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 14712936 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 14769993 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 15516894 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 13210511 |
| IRS990/IRPDocumentCnt | 0 | 1648 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 4022014 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2793795 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2821024 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 6843038 |
| IRS990/LegalDomicileStateCd | 0 | VA |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | BAYLANDS FAMILY CREDIT UNION IS COMMITTED TO SERVING THE FINANCIAL NEEDS OF OUR MEMBERSHIP. IT IS OUR RESPONSIBILITY TO MAXIMIZE THE BENEFITS TO OUR MEMBERS WHILE MAINTAINING FINANCIAL STABILITY.WE WILL PROVIDE A CLIMATE IN WHICH OUR EMPLOYEES ARE STIMULATED TO ACHIEVE OUTSTANDING PERFORMANCE AND PROFESSIONALISM.WE ARE A MEMBER-OWNED INSTITUTION THAT EXISTS NOT FOR PROFIT, BUT FOR SERVICE." |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 5244107 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 7267858 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 1095 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 1130214 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 138077 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 41596 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 5597904 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 6264158 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 516556 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 288620 |
| IRS990/OtherExpensesGrp/Desc | 0 | UBIT EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 1 | ATM/SERVICE CENTER FEES |
| IRS990/OtherExpensesGrp/Desc | 2 | VISA EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 7349 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 266346 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 250007 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 193762 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 84152241 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 81958896 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | FEE AND CHARGES INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | OTHER INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | NON-MEMBER ATM TRANSAC |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 978172 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 83734 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 978172 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 83734 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 9444 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 9444 |
| IRS990/OtherRevenueTotalAmt | 0 | 1071350 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1202760 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 48051760 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 47321114 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | TERESA MILLIS |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 525990 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3014177 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 3014177 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 442597 |
| IRS990/PYOtherExpensesAmt | 0 | 2391328 |
| IRS990/PYOtherRevenueAmt | 0 | 1245207 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2722035 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 432592 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1585919 |
| IRS990/PYTotalExpensesAmt | 0 | 3977247 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 4409839 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 376981 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 1 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 1 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 5244107 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 7267858 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1077532 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1432525 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2510057 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 192061 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 2153731 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2345792 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 4169507 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 13210511 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | AFS NEGOTIABLE CERT. OF DEP. |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | F |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1226179 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1226179 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 325252 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 435758 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 761010 |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | 1130214 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 889425 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 1 | 229668 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 2 | 5145065 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | OTHER LOANS TO MEMBERS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 1 | OTHER CURRENT ASSETS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 2 | OTHER ASSETS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 139009 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 81819387 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 500 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | OTHER POST RETIREMENT BENEFITS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | MEMBER'S SHARE ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | CECL RESERVE FOR UNFUNDED COMMITMENTS |
| IRS990ScheduleD/OtherRevenueAmt | 0 | 516556 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 14614235 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 63000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 92758 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | AFS FEDERAL AGENCY SECURITIES |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | FHLB STOCK |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | VIZO PERPETUAL CAPITAL |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 1646770 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 4546488 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | CHANGE IN NET POSITION AND OTHER POSTEMPLOYMENT BENEFIT OBLIGATIONS |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART XI, LINE 2D - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2821024 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 6264158 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 13210511 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 14769993 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 4169507 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 81958896 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 4546488 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 6193258 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 4169507 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE BOARD'S VICE CHAIRMAN, MARTHA HART, IS THE MOTHER OF THE CURRENT SUPERVISORY COMMITTEE CHAIRPERSON, M. RAGAN HART. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE ORGANIZATION DOES HAVE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | MEMBERS OF THE ORGANIZATION HAVE THE POWER TO ELECT MEMBERS OF THE GOVERNING BODY (BOARD OF DIRECTORS). |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE MEMBERS VOTE ON SIGNIFICANT DECISIONS SUCH AS MERGERS AND CHARTER CHANGES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE ORGANIZATION WILL NOT PROVIDE A COMPLETE COPY OF THE FORM 990 TO MEMBERS OF THE GOVERNING BODY BEFORE FILING THE RETURN. THE CEO WILL REVIEW THE 990. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | ALL EMPLOYEES AND DIRECTORS HAVE TO COMPLETE THE FORM ANNUALLY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | BAYLANDS HAS AN ESTABLISHED SALARY RANGE THAT IS UPDATED EVERY 2 YEARS WITH A COST OF LIVING ADJUSTMENT, BASED ON INDUSTRY SURVEY OF PEER CREDIT UNIONS. THE SALARY RANGE IS GIVEN TO THE BOARD OF DIRECTOR'S EXECUTIVE COMMITTEE ALONG WITH PREVIOUS EARNINGS AND THE INCREASE IS THEN ADMINISTERED BY THEM BASED ON PERFORMANCE AND KEY INITIATIVES. THE INCREASE IS THEN SUBJECT TO BOARD APPROVAL. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | MAINTENANCE 148,900. LOAN SERVICING FEES 116,566. COMMUNICATIONS EXPENSE 52,542. DUES & SUBSCRIPTIONS 35,033. BOND INSURANCE 24,153. CUMIS PACKAGE FEE 19,842. STATE CORPORATION COMMISSION EXPENSE 16,695. OUTSIDE SERVICES FEES 16,432. MISCELLANEOUS EXPENSE 14,782. FEDERAL RESERVE CHARGES 12,918. COMMUNITY CONTRIBUTIONS/PR 11,415. PALMETTO EXPENSE 9,211. STAFF TRAINING AND EDUCATION 8,530. IRA SERVICES 7,683. ANNUAL MEETING EXPENSE 7,483. MORTGAGE LOAN EXPENSE 6,395. CORP AMERICA EXPENSES 3,894. PERSONAL PROPERTY RENTAL EXPENSE 3,658. STRATEGIC PLANNING EXPENSE 3,180. EMPLOYEE CLOTHING 2,923. EMPLOYEE RELATIONS EXPENSE 2,649. PROMOTIONAL GIVEAWAYS 2,519. BOARD EXPENSE 2,410. CBS FEE FOR O/D PRIV 1,800. EMPLOYEE MEAL COSTS 604. PRINTING SERVICES 89. MONEYGRAM CHARGES -2,209. PROV. FOR PRIVILEGE SERVICE -3,223. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | CHANGE IN NET POSITION AND OTHER POSTEMPLOYMENT BENEFIT OBLIGATIONS 516,556. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | THE 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/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 2 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION B, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART IX, LINE 24E |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | FORM 990, PART XI, LINE 9: |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | FORM 990, PART XII, LINE 2C |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | VA |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 89784518 |
| IRS990/TotalAssetsEOYAmt | 0 | 89514156 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 89784518 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 89514156 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 34 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 4169507 |
| IRS990/TotalGrossUBIAmt | 0 | 9444 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 84540411 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 82246298 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 84540411 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 82246298 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 5244107 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.