Civic Intelligence

Georgetown Kraft Credit Union

EIN 57-0350988 • 501(c)14 • Georgetown, SC

View Organization Page

Profile

State chartered credit union

1379 North Fraser StreetGeorgetown, SC 29440

www.georgetownkraftcu.com

Siviq Scores

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

Liabilities / Assets

17th percentile

0.86x

Higher debt load relative to assets than 17% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Liabilities / Revenue

8th percentile

10.50x

Higher debt load relative to revenue than 8% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Net Margin

90th percentile

25%

Higher net margin than 90% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

24th percentile

-1.5%

Faster asset growth than 24% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Revenue Growth

71st percentile

21%

Faster revenue growth than 71% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$188,236,477

Up $7,824,253 (+4.3%) from 2024

Liabilities

Up

$155,202,808

Up $4,021,714 (+2.7%) from 2024

Net Assets

Up

$33,033,669

Up $3,802,539 (+13%) from 2024

Operations
Liabilities / Revenue8th percentileNet Margin90th percentile

Revenue

Up

$15,834,536

Up $811,485 (+5.4%) from 2024

Expenses

Up

$12,498,798

Up $803,698 (+6.9%) from 2024

Net Income

Up

$3,335,738

Up $7,787 (+0.2%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth24th percentile

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

$200M$150M$100M$50M$0Assets 2010: $71,568,037Liabilities 2010: $63,717,458Net Assets 2010: $7,850,5792010Assets 2011: $73,585,714Liabilities 2011: $65,051,604Net Assets 2011: $8,534,1102011Assets 2012: $77,083,915Liabilities 2012: $67,525,106Net Assets 2012: $9,558,8092012Assets 2013: $82,990,274Liabilities 2013: $72,381,267Net Assets 2013: $10,609,0072013Assets 2014: $87,996,325Liabilities 2014: $76,987,217Net Assets 2014: $11,009,1082014Assets 2015: $93,744,376Liabilities 2015: $82,019,342Net Assets 2015: $11,725,0342015Assets 2016: $99,860,987Liabilities 2016: $87,592,010Net Assets 2016: $12,268,9772016Assets 2017: $107,649,483Liabilities 2017: $94,789,131Net Assets 2017: $12,860,3522017Assets 2018: $108,865,982Liabilities 2018: $94,904,597Net Assets 2018: $13,961,3852018Assets 2019: $112,937,228Liabilities 2019: $97,447,570Net Assets 2019: $15,489,6582019Assets 2020: $143,572,123Liabilities 2020: $126,965,494Net Assets 2020: $16,606,6292020Assets 2021: $164,124,241Liabilities 2021: $145,317,880Net Assets 2021: $18,806,3612021Assets 2022: $177,035,984Liabilities 2022: $155,418,691Net Assets 2022: $21,617,2932022Assets 2023: $174,361,943Liabilities 2023: $149,251,460Net Assets 2023: $25,110,4832023Assets 2024: $180,412,224Liabilities 2024: $151,181,094Net Assets 2024: $29,231,1302024Assets 2025: $188,236,477Liabilities 2025: $155,202,808Net Assets 2025: $33,033,6692025

Highlighted filing

2025

Assets$188,236,477
Liabilities$155,202,808
Net Assets$33,033,669
Open 2025 Filing

Operations Trend

Revenue Growth71st percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $5,415,0792010Revenue 2011: $6,169,113Expenses 2011: $5,253,114Net Income 2011: $915,9992011Expenses 2012: $5,350,1842012Revenue 2013: $6,543,259Expenses 2013: $5,583,913Net Income 2013: $959,3462013Revenue 2014: $6,151,706Expenses 2014: $5,366,673Net Income 2014: $785,0332014Revenue 2015: $6,266,366Expenses 2015: $5,400,426Net Income 2015: $865,9402015Revenue 2016: $6,505,094Expenses 2016: $5,958,250Net Income 2016: $546,8442016Revenue 2017: $7,496,720Expenses 2017: $6,639,273Net Income 2017: $857,4472017Revenue 2018: $8,454,189Expenses 2018: $7,204,674Net Income 2018: $1,249,5152018Revenue 2019: $9,314,227Expenses 2019: $7,328,574Net Income 2019: $1,985,6532019Revenue 2020: $9,040,145Expenses 2020: $7,566,895Net Income 2020: $1,473,2502020Revenue 2021: $10,044,644Expenses 2021: $7,818,547Net Income 2021: $2,226,0972021Revenue 2022: $11,725,184Expenses 2022: $8,811,737Net Income 2022: $2,913,4472022Revenue 2023: $14,208,763Expenses 2023: $10,630,298Net Income 2023: $3,578,4652023Revenue 2024: $15,023,051Expenses 2024: $11,695,100Net Income 2024: $3,327,9512024Revenue 2025: $15,834,536Expenses 2025: $12,498,798Net Income 2025: $3,335,7382025

Highlighted filing

2025

Revenue$15,834,536
Expenses$12,498,798
Net Income$3,335,738
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$188,236,477
Liabilities
$155,202,808
Net assets
$33,033,669
Revenue
$15,834,536
Expenses
$12,498,798
Net income
$3,335,738
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$188$155$33.0$15.8$12.5$3.34
2024Detailed filing. Detailed filing data is available for this year.$180$151$29.2$15.0$11.7$3.33
2023Detailed filing. Detailed filing data is available for this year.$174$149$25.1$14.2$10.6$3.58
2022Detailed filing. Detailed filing data is available for this year.$177$155$21.6$11.7$8.81$2.91
2021Detailed filing. Detailed filing data is available for this year.$164$145$18.8$10.0$7.82$2.23
2020Detailed filing. Detailed filing data is available for this year.$144$127$16.6$9.04$7.57$1.47
2019Detailed filing. Detailed filing data is available for this year.$113$97.4$15.5$9.31$7.33$1.99
2018Detailed filing. Detailed filing data is available for this year.$109$94.9$14.0$8.45$7.20$1.25
2017Detailed filing. Detailed filing data is available for this year.$108$94.8$12.9$7.50$6.64$0.86
2016Detailed filing. Detailed filing data is available for this year.$99.9$87.6$12.3$6.51$5.96$0.55
2015Detailed filing. Detailed filing data is available for this year.$93.7$82.0$11.7$6.27$5.40$0.87
2014Detailed filing. Detailed filing data is available for this year.$88.0$77.0$11.0$6.15$5.37$0.79
2013Detailed filing. Detailed filing data is available for this year.$83.0$72.4$10.6$6.54$5.58$0.96
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$77.1$67.5$9.56$5.35
2011Summary only. Only limited summary data is available for this year.$73.6$65.1$8.53$6.17$5.25$0.92
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$71.6$63.7$7.85$5.42
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 5, 2026
Return Version
2025v4.0
Gross Receipts
$15,834,536
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$111,210,155$108,154,762▼ $3,055,393
Savings and Temporary Cash Investments$45,646,652$55,030,315▲ $9,383,663
Rtn Earn Endowment Incm Other Fnds$29,231,130$33,033,669▲ $3,802,539
Land, Buildings, and Equipment, Net$6,878,958$6,749,640▼ $129,318
Prepaid Expenses and Deferred Charges$5,146,805$6,219,085▲ $1,072,280
Cash and Non-Interest-Bearing Accounts$5,174,221$5,046,963▼ $127,258
Total Assets$180,412,224$188,236,477▲ $7,824,253
Other Assets Total$6,355,433$7,035,712▲ $680,279
Liabilities
Other Liabilities$149,670,589$153,309,743▲ $3,639,154
Accounts Payable and Accrued Expenses$1,510,505$1,893,065▲ $382,560
Total Liabilities$151,181,094$155,202,808▲ $4,021,714
Net Assets / Fund Balance
Total Net Assets Fund Balance$29,231,130$33,033,669▲ $3,802,539
Total Liabilities and Net Assets / Fund Balance$180,412,224$188,236,477▲ $7,824,253

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,226,354$3,204,823$7,431,177
Land$2,235,160-$2,235,160
Equipment$288,126$1,183,658$1,471,784
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kevin OwensCEOFT$239,163$116,620$355,783
Keith WilcoxEvp/CLOFT$159,498$85,023$244,521
Terri WilsonBranch ManagFT$107,063$31,678$138,741
Elizabeth LewisVPFT$117,203$12,254$129,457

Board Members and Trustees

NameTitle
James BessantChairman
Dennis LoadholtVice Chairma
Alan BassBoard Member
Darrell ThomasBoard Member
Mack BurgessBoard Member
Raymond Pearigen JrBoard Member
Tim TompkinsBoard Member
Timothy McconnellBoard Member
Felicia WilsonTreasurer/se

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv INCComputer OperatPO BOX 934057, Atlanta, GA 31193$500,162
Member Driven TechnologiesComputer System30230 ORCHARD LAKE RD, Farmington Hills, MI 48334$475,608
Bcbs Of ScEmployee InsuraI20 EAST AT ALPINE RD, Columbia, SC 29219$468,277
Garda Cl East INCArmored Car3209 MOMENTUM PLACE, Chicago, IL 60689$241,920
CbsiBanking Equipme204 INDUSTRIAL PARK DR STE 100, Cummings, GA 30040$151,329
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$13,719,071
Investment Income
$2,115,465
Other Revenue
$0
Change in Net Assets
$3,335,738
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,249,455
Salaries, Compensation, and Employee Benefits$5,249,343
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$3,811,004$423,445-$4,234,449
Interest$1,243,365--$1,243,365
Occupancy$669,183$74,354-$743,537
All Other Expenses$570,532--$570,532
Other Employee Benefits$489,157$54,351-$543,508
Depreciation Depletion$341,695--$341,695
Other Expenses$336,203$266,122-$336,203
Payroll Taxes$289,938$32,215-$322,153
Pension Plan Contributions$134,310$14,923-$149,233
Travel$81,262--$81,262
Total Functional Expenses$11,633,388$865,410$0$12,498,798
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
Shares$153,309,743
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Georgetown kraft credit union membership consist of anyone who lives, works, or attends school in georgetown or williamsburg counties and persons related by blood or marriage to any other georgetown kraft credit union member.”

Form 990, Page 6, Part VI, Line 7A

“At the credit union's annual meetings, the membership elects the board of directors.”

Form 990, Page 6, Part VI, Line 11B

“The organization reviews the form 990 to ensure that there are no omissions or misstatements.”

Form 990, Page 6, Part VI, Line 12C

“Annually, employees sign a conflict of interest policy and are reminded to disclose anything that may be a conflict. Any issues that management are aware of are disclosed with employee and resolved.”

Form 990, Page 6, Part VI, Line 15A

“The compensation committee along with the board of directors approve the ceo's and the vice president's salaries.”

Form 990, Page 6, Part VI, Line 15B

“Employees are given evaluations before they receive salary increases. These increases are approved by the compensation committee and the board of directors.”

Form 990, Page 6, Part VI, Line 19

“Governing documents are available to the public upon request. Persons may come into one of the credit union's branches and request a copy of any of our governing documents. Some documents are posted in the branch lobbies.”

Filing and Contact Details

Filer

Filer Name
Georgetown Kraft Credit Union
EIN
57-0350988
Phone
8434366316
Address
1379 NORTH FRASER STREET, GEORGETOWN, SC 29440

Signing Officer

Name
Kevin Owens
Title
CEO
Phone
8434366316
Signed
2026-03-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kevin Owens
Formed
1952
Legal Domicile
Sc
Voting Board Members
9
Independent Board Members
9
Employees
92

Preparer

Firm
Cantey Tiller Pierce & Green Llp
Address
PO BOX 862, CAMDEN, SC 29021
Preparer
Janet M Pierce
Phone
8034321436
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“During the year, the credit union served its' members by providing loans at reasonable rates. It also accepted deposits and paid reasonable rates of interest on those deposits.”

Form 990, Part XI, Line 9

“Other comp income 466,801 other comp income 0 total 466,801”

Raw XML AppendixShowing 400 of 438 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/Form990PartVIISectionAGrp/TitleTxt2BRANCH MANAG
IRS990/Form990PartVIISectionAGrp/TitleTxt3VP
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE CHAIRMA
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12TREASURER/SE
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IRS990/OccupancyGrp/ManagementAndGeneralAmt074354
IRS990/OccupancyGrp/ProgramServicesAmt0669183
IRS990/OccupancyGrp/TotalAmt0743537
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IRS990/Organization501cInd0X
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IRS990/OtherAssetsTotalGrp/BOYAmt06355433
IRS990/OtherAssetsTotalGrp/EOYAmt07035712
IRS990/OtherChangesInNetAssetsAmt0466801
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt054351
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0489157
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0543508
IRS990/OtherExpensesGrp/Desc0PROFESSIONAL & O/S SERVIC
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2OFFICE OPERATIONS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0266122
IRS990/OtherExpensesGrp/ProgramServicesAmt02395098
IRS990/OtherExpensesGrp/ProgramServicesAmt1714747
IRS990/OtherExpensesGrp/ProgramServicesAmt2556894
IRS990/OtherExpensesGrp/ProgramServicesAmt3336203
IRS990/OtherExpensesGrp/TotalAmt02661220
IRS990/OtherExpensesGrp/TotalAmt1714747
IRS990/OtherExpensesGrp/TotalAmt2556894
IRS990/OtherExpensesGrp/TotalAmt3336203
IRS990/OtherLiabilitiesGrp/BOYAmt0149670589
IRS990/OtherLiabilitiesGrp/EOYAmt0153309743
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0423445
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt03811004
IRS990/OtherSalariesAndWagesGrp/TotalAmt04234449
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0108154762
IRS990/PartialLiquidationInd0false
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IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt032215
IRS990/PayrollTaxesGrp/ProgramServicesAmt0289938
IRS990/PayrollTaxesGrp/TotalAmt0322153
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt014923
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0134310
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IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08624219
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14028429
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21066423
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08624219
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14028429
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21066423
IRS990/ProgSrvcAccomActyOtherGrp/Desc0DURING THE YEAR, THE CREDIT UNION SERVED ITS' MEMBERS BY PROVIDING LOANS AT REASONABLE RATES. IT ALSO ACCEPTED DEPOSITS AND PAID REASONABLE RATES OF INTEREST ON THOSE DEPOSITS.
IRS990/ProhibitedTaxShelterTransInd0false
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IRS990/PYOtherExpensesAmt06714437
IRS990/PYProgramServiceRevenueAmt013391670
IRS990/PYRevenuesLessExpensesAmt03327951
IRS990/PYSalariesCompEmpBnftPaidAmt04980663
IRS990/PYTotalExpensesAmt011695100
IRS990/PYTotalRevenueAmt015023051
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt033033669
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt055030315
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt03204823
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07431177
IRS990ScheduleD/EquipmentGrp/BookValueAmt0288126
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01183658
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01471784
IRS990ScheduleD/LandGrp/BookValueAmt02235160
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02235160
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0153309743
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
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IRS990ScheduleD/TotalLiabilityAmt0153309743
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1159498
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount017800
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount112111
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt083297
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt153304
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt07566
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt116035
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt07957
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt13573
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KEVIN OWENS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1KEITH WILCOX
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EVP/CLO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0355783
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1244521
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DURING THE YEAR, THE CREDIT UNION SERVED ITS' MEMBERS BY PROVIDING LOANS AT REASONABLE RATES. IT ALSO ACCEPTED DEPOSITS AND PAID REASONABLE RATES OF INTEREST ON THOSE DEPOSITS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1GEORGETOWN KRAFT CREDIT UNION MEMBERSHIP CONSIST OF ANYONE WHO LIVES, WORKS, OR ATTENDS SCHOOL IN GEORGETOWN OR WILLIAMSBURG COUNTIES AND PERSONS RELATED BY BLOOD OR MARRIAGE TO ANY OTHER GEORGETOWN KRAFT CREDIT UNION MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AT THE CREDIT UNION'S ANNUAL MEETINGS, THE MEMBERSHIP ELECTS THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION REVIEWS THE FORM 990 TO ENSURE THAT THERE ARE NO OMISSIONS OR MISSTATEMENTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANNUALLY, EMPLOYEES SIGN A CONFLICT OF INTEREST POLICY AND ARE REMINDED TO DISCLOSE ANYTHING THAT MAY BE A CONFLICT. ANY ISSUES THAT MANAGEMENT ARE AWARE OF ARE DISCLOSED WITH EMPLOYEE AND RESOLVED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE COMPENSATION COMMITTEE ALONG WITH THE BOARD OF DIRECTORS APPROVE THE CEO'S AND THE VICE PRESIDENT'S SALARIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EMPLOYEES ARE GIVEN EVALUATIONS BEFORE THEY RECEIVE SALARY INCREASES. THESE INCREASES ARE APPROVED BY THE COMPENSATION COMMITTEE AND THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. PERSONS MAY COME INTO ONE OF THE CREDIT UNION'S BRANCHES AND REQUEST A COPY OF ANY OF OUR GOVERNING DOCUMENTS. SOME DOCUMENTS ARE POSTED IN THE BRANCH LOBBIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8OTHER COMP INCOME 466,801 OTHER COMP INCOME 0 TOTAL 466,801
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
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IRS990/SubjectToProxyTaxInd0false
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IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/TotalAmt012498798
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IRS990/TotalLiabilitiesGrp/EOYAmt0155202808
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt033033669
IRS990/TotalOtherCompensationAmt0204134
IRS990/TotalProgramServiceExpensesAmt011633388
IRS990/TotalProgramServiceRevenueAmt013719071
IRS990/TotalReportableCompFromOrgAmt0664368
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt015834536
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0188236477
IRS990/TravelGrp/ProgramServicesAmt081262
IRS990/TravelGrp/TotalAmt081262
IRS990/TypeOfOrganizationCorpInd0X
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