Civic Intelligence

Valleystar Credit Union

990 • Fiscal year 2016 • EIN 54-6040482

Jan 01, 2016 to Dec 31, 2016 • Filed on Jun 19, 2017

Organization ProfileWWW.VALLEYSTAR.ORG

View Organization Page

P O Box 5511Martinsville, VA 24115

(276) 632-1679

Siviq Scores

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

Liabilities / Assets

13th percentile

0.85x

Higher debt load relative to assets than 13% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

37th percentile

17.09x

Higher debt load relative to revenue than 37% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

41st percentile

11%

Higher net margin than 41% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

22nd percentile

$291,109

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

45th percentile

5.5%

Faster asset growth than 45% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

96th percentile

21%

Faster revenue growth than 96% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets13th percentile

Assets

Up

$291,415,246

Up $15,093,303 (+5.5%) from 2015

Net Assets

Up

$43,133,914

Up $882,099 (+2.1%) from 2015

Liabilities

Up

$248,281,332

Up $14,211,204 (+6.1%) from 2015

Revenue And Expenses
Liabilities / Revenue37th percentileNet Margin41st percentile

Revenue

Up

$14,528,592

Up $2,485,143 (+21%) from 2015

Expenses

Up

$12,935,173

Up $1,576,184 (+14%) from 2015

Net Income

Up

$1,593,419

Up $908,959 (+133%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth45th percentile

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

$800M$600M$400M$200M$0Assets 2010: $260,400,495Liabilities 2010: $224,308,250Net Assets 2010: $36,092,2452010Assets 2011: $260,500,630Liabilities 2011: $223,041,563Net Assets 2011: $37,459,0672011Assets 2012: $264,417,053Liabilities 2012: $225,986,701Net Assets 2012: $38,430,3522012Assets 2013: $267,952,043Liabilities 2013: $227,642,725Net Assets 2013: $40,309,3182013Assets 2014: $275,037,821Liabilities 2014: $233,331,129Net Assets 2014: $41,706,6922014Assets 2015: $276,321,943Liabilities 2015: $234,070,128Net Assets 2015: $42,251,8152015Assets 2016: $291,415,246Liabilities 2016: $248,281,332Net Assets 2016: $43,133,9142016Assets 2017: $321,507,233Liabilities 2017: $276,342,035Net Assets 2017: $45,165,1982017Assets 2018: $400,492,378Liabilities 2018: $351,430,095Net Assets 2018: $49,062,2832018Assets 2019: $499,530,359Liabilities 2019: $440,333,453Net Assets 2019: $59,196,9062019Assets 2020: $548,472,996Liabilities 2020: $486,118,546Net Assets 2020: $62,354,4502020Assets 2021: $615,061,530Liabilities 2021: $553,308,142Net Assets 2021: $61,753,3882021Assets 2022: $679,489,982Liabilities 2022: $628,976,336Net Assets 2022: $50,513,6462022Assets 2023: $657,634,154Liabilities 2023: $606,097,240Net Assets 2023: $51,536,9142023Assets 2024: $585,256,924Liabilities 2024: $540,660,626Net Assets 2024: $44,596,2982024

Highlighted filing

2016

Assets$291,415,246
Liabilities$248,281,332
Net Assets$43,133,914
Open 2016 Filing

Operations Trend

Revenue Growth96th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$60M$40M$20M$0-$20MExpenses 2010: $10,533,2542010Expenses 2011: $9,927,3922011Expenses 2012: $9,522,1702012Expenses 2013: $9,538,7672013Revenue 2014: $11,198,764Expenses 2014: $10,038,415Net Income 2014: $1,160,3492014Revenue 2015: $12,043,449Expenses 2015: $11,358,989Net Income 2015: $684,4602015Revenue 2016: $14,528,592Expenses 2016: $12,935,173Net Income 2016: $1,593,4192016Revenue 2017: $16,093,272Expenses 2017: $14,091,688Net Income 2017: $2,001,5842017Revenue 2018: $21,614,333Expenses 2018: $18,980,731Net Income 2018: $2,633,6022018Revenue 2019: $26,310,935Expenses 2019: $23,736,125Net Income 2019: $2,574,8102019Revenue 2020: $27,239,587Expenses 2020: $26,188,961Net Income 2020: $1,050,6262020Revenue 2021: $29,130,606Expenses 2021: $26,171,205Net Income 2021: $2,959,4012021Revenue 2022: $35,715,444Expenses 2022: $32,449,236Net Income 2022: $3,266,2082022Revenue 2023: $44,706,028Expenses 2023: $43,107,110Net Income 2023: $1,598,9182023Revenue 2024: $40,598,985Expenses 2024: $47,527,295Net Income 2024: -$6,928,3102024

Highlighted filing

2016

Revenue$14,528,592
Expenses$12,935,173
Net Income$1,593,419
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jun 19, 2017
Return Version
2016v3.0
Gross Receipts
$14,713,799
Mission and Program Overview

Mission

Martinsville dupont credit union's (dba valleystar credit union) primary exempt purpose is to return excess earnings to all its members in the form of better deposit/loan rates and lower fees. Valleystar credit union is a member-owned financial cooperative where all members benefit equally, all members have an equal vote, and all directors and officials serve as volunteers.

Martinsville dupont credit union's (dba valleystar credit union) primary exempt purpose is to return excess earnings to all its members in the form of better deposit/loan rates and lower fees.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$156,847,184$173,146,971▲ $16,299,787
Investments Other Securities$92,828,680$93,294,511▲ $465,831
Rtn Earn Endowment Incm Other Fnds$42,251,815$43,133,914▲ $882,099
Cash and Non-Interest-Bearing Accounts$13,505,492$10,754,280▼ $2,751,212
Land, Buildings, and Equipment, Net$5,975,700$7,976,214▲ $2,000,514
Prepaid Expenses and Deferred Charges$482,928$694,292▲ $211,364
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$276,321,943$291,415,246▲ $15,093,303
Other Assets Total$6,681,959$5,548,978▼ $1,132,981
Liabilities
Other Liabilities$233,432,699$247,237,813▲ $13,805,114
Accounts Payable and Accrued Expenses$637,429$1,043,519▲ $406,090
Total Liabilities$234,070,128$248,281,332▲ $14,211,204
Net Assets / Fund Balance
Total Net Assets Fund Balance$42,251,815$43,133,914▲ $882,099
Total Liabilities and Net Assets / Fund Balance$276,321,943$291,415,246▲ $15,093,303

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,150,345$1,720,023$5,870,368
Equipment$1,092,080$2,671,075$3,763,155
Land$2,733,789-$2,733,789
Other Securities$205,149--
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Delbert Lee MorganPresident/CEOFT$250,000$41,109$291,109
Wes G Gordon JrCFOFT$125,000$26,710$151,710
Kevin B LaineVP FacilitiesFT$98,828$23,026$121,854
Cathy P JohnsonVP RetailFT$110,000$9,156$119,156
Tanya F JonesVP LendingFT$99,144$15,046$114,190
Robert SparrowVP AdministrationFT$91,800$15,084$106,884
Andrew ReynoldsVP Strategic DevelopmentFT$81,900$22,059$103,959
Lori CauleyVP BrandFT$85,000$15,683$100,683
Wesley WilliamsVP ItFT$81,900$13,812$95,712

Board Members and Trustees

NameTitle
Richard L WoodChairman-director
Douglas W NunnVice-chairman & Director
James B RorrerDirector
Nancy S PhillipsDirector
Norman W HillDirector
Gregory W HillDirector & Legis Rep.
Ruth M MitchellDirector & Secretary
G Steve IsleyDirector & Treasurer
Betty Jo RaySupervisory Committee
Michael B BryantSupervisory Committee
David L DealSupervisory Committee (CHA
Terry a YoungVolunteer-at-large
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,939,513
Investment Income
$1,147,611
Other Revenue
$4,441,468
Change in Net Assets
$1,593,419

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,528,592
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$14,528,592
Total Revenue per Form 990
$14,528,592
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,293,368
Salaries, Compensation, and Employee Benefits$5,641,805
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,054,266
All Other Expenses---$2,374,638
Interest---$1,257,406
Current Officers, Directors, Trustees, and Key Employees---$1,023,572
Other Employee Benefits---$921,063
Depreciation Depletion---$432,174
Pension Plan Contributions---$349,520
Payroll Taxes---$293,384
Other Expenses---$265,680
Advertising---$204,258
Occupancy---$196,178
Travel---$100,990
Fees for Services Accounting---$62,400
Insurance---$41,469
Office Expenses---$40,344
Fees for Services Legal---$27,538
Fees for Services Other---$21,131
Total Functional Expenses$0$0$0$12,935,173

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$12,935,173
Total Expenses per Audited Statements$12,935,173
Total Expenses per Form 990$12,935,173
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$247,008,734
Post Retirement Benefits$229,079
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“The bod personnel committee will review the completed 990 form and report to the board.”

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

“On-going training; on-going handbook reviews”

Form 990, Part VI, Section C, Line 19

“Per the virginia code, valleystar credit union is not required to disclose its governing documents, conflict of interest policy, and financial statements to the public.”

Filing and Contact Details

Filer

Filer Name
Martinsville Dupont Credit Union
EIN
54-6040482
Phone
2766321679
Address
P O BOX 5511, MARTINSVILLE, VA 24115

Signing Officer

Name
Delbert Lee Morgan
Title
President and CEO
Phone
2766321679
Signed
2017-06-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Delbert Lee Morgan
Formed
1953
Legal Domicile
Va
Voting Board Members
9
Independent Board Members
9
Employees
96
Volunteers
0

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

“Visa program expenses 215,072. Training/education 178,557. Postage 159,892. Miscellaneous operating expenses 150,877. Internet related expense 138,221. Telephone 125,218. Credit reports 113,692. Atm expenses 113,234. Stationery and supplies 103,809. Loan professional 100,364. Other losses 97,543. Collection expenses 95,632. Maintenance 81,787. Community development 68,187. Loan forms and guides 56,801. Statement prep 56,773. Annual planning session 55,283. Corp and palmetto billings 50,920. Checkfree bill pay fees 47,764. Janitorial 40,749. Dues and memberships 39,902. Business continuity 35,878. Visa gold program expenses 31,490. Bank charges 30,224. Suprv/exam fee 29,035. Payroll service 28,422. Design 20,014. Package of protection 19,659. Fidelity bond 17,334. Taxes 16,080. Mortgage loan expenses 15,373. Newsletter 9,951. Annual meeting 9,307. Branch experience/technology 8,946. Hardware maintenance 4,124. Vulnerability assessment 3,973. Broker commissions 2,484. Home equity promotion 2,067.”

FORM 990, PART XI, LINE 9:

“Unrealized loss on investments available-for-sale -711,320.”

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

“The supervisory committee has oversight authority of the audit. There have been no changes from the prior year.”

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, 2016 to be immaterial.”

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1985000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2081900
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/TitleTxt0SUPERVISORY COMMITTEE (CHA
IRS990/Form990PartVIISectionAGrp/TitleTxt1SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt2VOLUNTEER-AT-LARGE
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIR. & LEGIS REP.
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR & TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR & SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7VICE-CHAIRMAN & DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHAIRMAN-DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP FACILITIES
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP RETAIL
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP ADMINISTRATION
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP STRATEGIC DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP BRAND
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP IT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0-185207
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt014713799
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/TotalAmt041469
IRS990/InterestGrp/TotalAmt01257406
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01332818
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01332818
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt092828680
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt093294511
IRS990/IRPDocumentCnt06341
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04391098
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05975700
IRS990/LandBldgEquipBasisNetGrp/EOYAmt07976214
IRS990/LandBldgEquipCostOrOtherBssAmt012367312
IRS990/LegalDomicileStateCd0VA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0185207
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0MARTINSVILLE DUPONT CREDIT UNION'S (DBA VALLEYSTAR CREDIT UNION) PRIMARY EXEMPT PURPOSE IS TO RETURN EXCESS EARNINGS TO ALL ITS MEMBERS IN THE FORM OF BETTER DEPOSIT/LOAN RATES AND LOWER FEES. VALLEYSTAR CREDIT UNION IS A MEMBER-OWNED FINANCIAL COOPERATIVE WHERE ALL MEMBERS BENEFIT EQUALLY, ALL MEMBERS HAVE AN EQUAL VOTE, AND ALL DIRECTORS AND OFFICIALS SERVE AS VOLUNTEERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt042251815
IRS990/NetAssetsOrFundBalancesEOYAmt043133914
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-185207
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-185207
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0196178
IRS990/OfficeExpensesGrp/TotalAmt040344
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06681959
IRS990/OtherAssetsTotalGrp/EOYAmt05548978
IRS990/OtherChangesInNetAssetsAmt0-711320
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0921063
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1VISA CHECK CARD EXPENSE
IRS990/OtherExpensesGrp/Desc2SOFTWARE MAINTENANCE
IRS990/OtherExpensesGrp/Desc3INDIRECT CONTRACT EXPEN
IRS990/OtherExpensesGrp/TotalAmt01586111
IRS990/OtherExpensesGrp/TotalAmt1349772
IRS990/OtherExpensesGrp/TotalAmt2333279
IRS990/OtherExpensesGrp/TotalAmt3265680
IRS990/OtherLiabilitiesGrp/BOYAmt0233432699
IRS990/OtherLiabilitiesGrp/EOYAmt0247237813
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2525990
IRS990/OtherRevenueMiscGrp/Desc0OTHER FEES
IRS990/OtherRevenueMiscGrp/Desc1OVERDRAFT PRIVILEGES AND OTHER FE
IRS990/OtherRevenueMiscGrp/Desc2NONMEMBER ATM TRANSACTIONS
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02899281
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt11465383
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02899281
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11465383
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt276804
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt076804
IRS990/OtherRevenueTotalAmt04441468
IRS990/OtherSalariesAndWagesGrp/TotalAmt03054266
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0156847184
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0173146971
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0293384
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0349520
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0482928
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0694292
IRS990/PrincipalOfficerNm0DELBERT LEE MORGAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08939513
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08939513
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01213732
IRS990/PYOtherExpensesAmt06196018
IRS990/PYOtherRevenueAmt03598250
IRS990/PYProgramServiceRevenueAmt07231467
IRS990/PYRevenuesLessExpensesAmt0684460
IRS990/PYSalariesCompEmpBnftPaidAmt05162971
IRS990/PYTotalExpensesAmt011358989
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012043449
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt01593419
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt042251815
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt043133914
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04150345
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01720023
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05870368
IRS990ScheduleD/EquipmentGrp/BookValueAmt01092080
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02671075
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03763155
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt012935173
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt02733789
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02733789
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0247008734
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1229079
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE AND SAVINGS ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1POST RETIREMENT BENEFITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt030838764
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt162250598
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2205149
IRS990ScheduleD/OtherSecuritiesGrp/Desc0SAVINGS & LOAN INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1FEDERAL AGENCY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc2OTHER INVESTMENTS-LONG TERM
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt014528592
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, 2016 TO BE IMMATERIAL.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07976214
IRS990ScheduleD/TotalBookValueSecuritiesAmt093294511
IRS990ScheduleD/TotalExpensesPerForm990Amt012935173
IRS990ScheduleD/TotalLiabilityAmt0247237813
IRS990ScheduleD/TotalRevenuePerForm990Amt014528592
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt014528592
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt012935173
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0250000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1125000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$291,415,246
Liabilities
$248,281,332
Net assets
$43,133,914
Revenue
$14,528,592
Expenses
$12,935,173
Net income
$1,593,419
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$585$541$44.6$40.6$47.5$6.93
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$658$606$51.5$44.7$43.1$1.60
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$679$629$50.5$35.7$32.4$3.27
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$615$553$61.8$29.1$26.2$2.96
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$548$486$62.4$27.2$26.2$1.05
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$500$440$59.2$26.3$23.7$2.57
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$400$351$49.1$21.6$19.0$2.63
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$322$276$45.2$16.1$14.1$2.00
2016Detailed filing. Detailed filing data is available for this year.$291$248$43.1$14.5$12.9$1.59
2015Detailed filing. Detailed filing data is available for this year.$276$234$42.3$12.0$11.4$0.68
2014Detailed filing. Detailed filing data is available for this year.$275$233$41.7$11.2$10.0$1.16
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$268$228$40.3$9.54
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$264$226$38.4$9.52
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$261$223$37.5$9.93
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$260$224$36.1$10.5