Civic Intelligence

Pinnacle Credit Union

990 • Fiscal year 2015 • EIN 58-0147125

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 14, 2016

Organization ProfileWWW.PINNACLECU.ORG

View Organization Page

536 North Avenue NEAtlanta, GA 30308

(404) 888-1648

Siviq Scores

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

Liabilities / Assets

100th percentile

0.93x

Higher debt load relative to assets than 100% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

43rd percentile

18.17x

Higher debt load relative to revenue than 43% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

55th percentile

9.9%

Higher net margin than 55% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

27th percentile

$113,473

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 2.9% of source-year revenue.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

9th percentile

-2.3%

Faster asset growth than 9% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

88th percentile

11%

Faster revenue growth than 88% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets100th percentile

Assets

Down

$76,013,819

Down $1,777,822 (-2.3%) from 2014

Net Assets

Up

$5,075,193

Up $270,042 (+5.6%) from 2014

Liabilities

Down

$70,938,626

Down $2,047,864 (-2.8%) from 2014

Revenue And Expenses
Liabilities / Revenue43rd percentileNet Margin55th percentile

Revenue

Up

$3,904,578

Up $387,409 (+11%) from 2014

Expenses

Up

$3,518,999

Up $354,194 (+11%) from 2014

Net Income

Up

$385,579

Up $33,215 (+9.4%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth9th percentile

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

$100M$50M$0Assets 2010: $86,513,929Liabilities 2010: $76,901,713Net Assets 2010: $9,612,2162010Assets 2011: $86,140,463Liabilities 2011: $80,004,609Net Assets 2011: $6,135,8542011Assets 2012: $86,280,568Liabilities 2012: $80,008,562Net Assets 2012: $6,272,0062012Assets 2013: $82,144,778Liabilities 2013: $77,723,446Net Assets 2013: $4,421,3322013Assets 2014: $77,791,641Liabilities 2014: $72,986,490Net Assets 2014: $4,805,1512014Assets 2015: $76,013,819Liabilities 2015: $70,938,626Net Assets 2015: $5,075,1932015Assets 2016: $71,183,035Liabilities 2016: $66,015,061Net Assets 2016: $5,167,9742016Assets 2017: $74,094,383Liabilities 2017: $68,366,648Net Assets 2017: $5,727,7352017Assets 2018: $72,216,019Liabilities 2018: $66,511,095Net Assets 2018: $5,704,9242018Assets 2019: $72,604,023Liabilities 2019: $65,858,416Net Assets 2019: $6,745,6072019Assets 2020: $81,661,087Liabilities 2020: $75,101,482Net Assets 2020: $6,559,6052020Assets 2021: $87,619,117Liabilities 2021: $81,411,656Net Assets 2021: $6,207,4612021Assets 2022: $92,125,054Liabilities 2022: $87,742,158Net Assets 2022: $4,382,8962022Assets 2023: $87,063,480Liabilities 2023: $82,100,225Net Assets 2023: $4,963,2552023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2015

Assets$76,013,819
Liabilities$70,938,626
Net Assets$5,075,193
Open 2015 Filing

Operations Trend

Revenue Growth88th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $4,954,0892010Expenses 2011: $4,341,0052011Expenses 2012: $4,019,6542012Revenue 2013: $3,681,686Expenses 2013: $3,897,486Net Income 2013: -$215,8002013Revenue 2014: $3,517,169Expenses 2014: $3,164,805Net Income 2014: $352,3642014Revenue 2015: $3,904,578Expenses 2015: $3,518,999Net Income 2015: $385,5792015Revenue 2016: $3,751,059Expenses 2016: $3,378,325Net Income 2016: $372,7342016Revenue 2017: $3,807,149Expenses 2017: $3,306,313Net Income 2017: $500,8362017Revenue 2018: $3,572,157Expenses 2018: $3,440,768Net Income 2018: $131,3892018Revenue 2019: $4,081,488Expenses 2019: $3,705,095Net Income 2019: $376,3932019Revenue 2020: $3,448,471Expenses 2020: $3,642,841Net Income 2020: -$194,3702020Revenue 2021: $3,525,516Expenses 2021: $3,464,461Net Income 2021: $61,0552021Revenue 2022: $5,871,610Expenses 2022: $4,461,601Net Income 2022: $1,410,0092022Revenue 2023: $4,151,204Expenses 2023: $4,163,305Net Income 2023: -$12,1012023Revenue 2024: $2,544,785Expenses 2024: $4,058,167Net Income 2024: -$1,513,3822024

Highlighted filing

2015

Revenue$3,904,578
Expenses$3,518,999
Net Income$385,579
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 14, 2016
Return Version
2015v2.1
Gross Receipts
$3,904,578
Mission and Program Overview

Mission

Provide financial services to the various members of the financial institution including loan and deposit accounts.

State chartered member served credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$35,216,511$36,120,491▲ $903,980
Investments Other Securities$12,983,931$18,228,285▲ $5,244,354
Investments in Publicly Traded Securities$17,168,280$13,833,065▼ $3,335,215
Rtn Earn Endowment Incm Other Fnds$4,805,151$5,075,193▲ $270,042
Land, Buildings, and Equipment, Net$1,618,995$1,909,214▲ $290,219
Savings and Temporary Cash Investments$8,379,481$926,373▼ $7,453,108
Cash and Non-Interest-Bearing Accounts$423,523$611,414▲ $187,891
Prepaid Expenses and Deferred Charges$176,790$87,080▼ $89,710
Accounts Receivable$27,932$37,090▲ $9,158
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$77,791,641$76,013,819▼ $1,777,822
Other Assets Total$1,796,198$4,260,807▲ $2,464,609
Liabilities
Other Liabilities$72,577,960$70,830,534▼ $1,747,426
Accounts Payable and Accrued Expenses$408,530$108,092▼ $300,438
Total Liabilities$72,986,490$70,938,626▼ $2,047,864
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,805,151$5,075,193▲ $270,042
Total Liabilities and Net Assets / Fund Balance$77,791,641$76,013,819▼ $1,777,822

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,063,284$958,870$2,022,154
Equipment$545,266$752,807$1,298,073
Land$300,564-$300,564
Other Land Buildings$100$14,235$14,335
Other Assets Org$395,002--
Other Securities$14,537,000--
Compensation and Service Providers
Top Officer Pay27th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Matthew SelkePresident/CEOFT$100,848$12,625$113,473
Lindsay KnodelControllerFT$74,042$3,735$77,777
James TaylorV. Chairman-$825-$825
Willie LesterDirector-$825-$825
Anthony ScaleseDirector-$750-$750
Gene ChandlerChairman-$675-$675

Board Members and Trustees

NameTitle
Alan WeeksDirector
Jeanne IvoryDirector
Walter ThompsonDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Xp SystemsData Processing75 REMITTANCE DRIVE SUITE 6963, Chicago, IL 60675$171,818
D&h CavionHome Banking & Bill PayPO BOX 535120, Atlanta, GA 30353$133,093
At&tTelephone & Internet ServicesPO BOX 535120, Atlanta, GA 30353$130,339
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,476,679
Investment Income
$427,899
Other Revenue
$0
Change in Net Assets
$385,579
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,027,892
Salaries, Compensation, and Employee Benefits$1,491,107
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,038,067--$1,038,067
Office Expenses$352,531--$352,531
Information Technology$344,633--$344,633
Current Officers, Directors, Trustees, and Key Employees$194,325--$194,325
Fees for Services Other$149,799--$149,799
Occupancy$127,801--$127,801
Other Employee Benefits$108,161--$108,161
All Other Expenses$101,177--$101,177
Payroll Taxes$92,783--$92,783
Advertising$86,381--$86,381
Depreciation Depletion$81,318--$81,318
Interest$79,874--$79,874
Insurance$61,482--$61,482
Other Expenses$61,086--$61,086
Pension Plan Contributions$57,771--$57,771
Payments to Affiliates$55,508--$55,508
Fees for Services Accounting$33,338--$33,338
Conferences and Meetings$11,235--$11,235
Fees for Services Legal$5,399--$5,399
Total Functional Expenses$3,518,999$0$0$3,518,999
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
Regular Shares$29,332,979
Money Market$15,891,505
Share Draft$11,176,348
Certificates of Deposit$10,148,443
Ira Shares$2,872,541
Ira Certificates$1,403,245
Other$5,473
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization has members.”

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

“Members elect the board of directors.”

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

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11

“The president/ceo will provide a copy of the filed form 990 to the full board of directors during a scheduled board meeting.”

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

“Annual disclosures are required.”

Form 990, Part VI, Section B, Line 15

“Determined by industry standards, education, and experience.”

Form 990, Part VI, Section C, Line 19

“Governing documents and conflict of interest policy are available upon request. Financial statements are posted.”

Filing and Contact Details

Filer

Filer Name
Pinnacle Credit Union
EIN
58-0147125
Phone
4048881648
Address
536 NORTH AVENUE NE, ATLANTA, GA 30308

Signing Officer

Name
Lindsay Knodel
Title
Controller
Phone
4048881648
Signed
2016-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Matthew Selke
Formed
1926
Legal Domicile
Ga
Voting Board Members
5
Independent Board Members
5
Employees
30
Volunteers
5

Preparer

Firm
Doeren Mayhew
Address
12060 S W 129TH COURT STE 201, MIAMI, FL 33186-4582
Preparer
Douglas J Orth
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Maintenance and repairs: program service expenses 45,784. Management and general expenses 0. Fundraising expenses 0. Total expenses 45,784. Training: program service expenses 38,683. Management and general expenses 0. Fundraising expenses 0. Total expenses 38,683. State exam fees: program service expenses 16,710. Management and general expenses 0. Fundraising expenses 0. Total expenses 16,710.”

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.

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IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROVIDE FINANCIAL SERVICES TO THE VARIOUS MEMBERS OF THE FINANCIAL INSTITUTION INCLUDING LOAN AND DEPOSIT ACCOUNTS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt04805151
IRS990/NetAssetsOrFundBalancesEOYAmt05075193
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-115537
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt0127801
IRS990/OccupancyGrp/TotalAmt0127801
IRS990/OfficeExpensesGrp/ProgramServicesAmt0352531
IRS990/OfficeExpensesGrp/TotalAmt0352531
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01796198
IRS990/OtherAssetsTotalGrp/EOYAmt04260807
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0108161
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0108161
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc2ATM/VISA PROGRAMS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
IRS990/OtherExpensesGrp/ProgramServicesAmt0271395
IRS990/OtherExpensesGrp/ProgramServicesAmt1132547
IRS990/OtherExpensesGrp/ProgramServicesAmt272388
IRS990/OtherExpensesGrp/ProgramServicesAmt361086
IRS990/OtherExpensesGrp/TotalAmt0271395
IRS990/OtherExpensesGrp/TotalAmt1132547
IRS990/OtherExpensesGrp/TotalAmt272388
IRS990/OtherExpensesGrp/TotalAmt361086
IRS990/OtherLiabilitiesGrp/BOYAmt072577960
IRS990/OtherLiabilitiesGrp/EOYAmt070830534
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01038067
IRS990/OtherSalariesAndWagesGrp/TotalAmt01038067
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt035216511
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt036120491
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt055508
IRS990/PaymentsToAffiliatesGrp/TotalAmt055508
IRS990/PayrollTaxesGrp/ProgramServicesAmt092783
IRS990/PayrollTaxesGrp/TotalAmt092783
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt057771
IRS990/PensionPlanContributionsGrp/TotalAmt057771
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0176790
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt087080
IRS990/PrincipalOfficerNm0MATTHEW SELKE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGRES/OTHER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02265923
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11210756
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02265923
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11210756
IRS990/ProgSrvcAccomActy2Grp/Desc0LOAN SERVICING COSTS FOR LOANS AND CREDIT CARDS TO MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0INFORMATION TECHNOLOGY (DATA PROCESSING) REQUIRED TO PROVIDE THRIFT LOAN AND DEPOSIT SERVICES AND PRODUCTS TO MEMBERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0293907
IRS990/PYOtherExpensesAmt01831796
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03223262
IRS990/PYRevenuesLessExpensesAmt0352364
IRS990/PYSalariesCompEmpBnftPaidAmt01333009
IRS990/PYTotalExpensesAmt03164805
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03517169
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0385579
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04805151
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05075193
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08379481
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0926373
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01063284
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0958870
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02022154
IRS990ScheduleD/EquipmentGrp/BookValueAmt0545266
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0752807
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01298073
IRS990ScheduleD/LandGrp/BookValueAmt0300564
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0300564
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0168910
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt115505
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2683820
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3250000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt45000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt5230592
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt6138513
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt750000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt879996
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt92243469
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt10395002
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1VISA EXCEPTIONS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2NCUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3LINE OF CREDIT TO CUFS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4OTHER ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5INVESTMENTS IN CUSO
IRS990ScheduleD/OtherAssetsOrgGrp/Desc6EQUIFAX CARD SETTLEMENT FUND
IRS990ScheduleD/OtherAssetsOrgGrp/Desc7REAL ESTATE HOLDINGS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc8LIFE INSURANCE-OFFICER
IRS990ScheduleD/OtherAssetsOrgGrp/Desc9PAYROLL IN-TRANSIT SUSPENSE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc10CUFS MORTGAGES SUSPENSE
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0100
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt014235
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt014335
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt029332979
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt111176348
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt210148443
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt315891505
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41403245
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt52872541
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt65473
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5IRA SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6OTHER
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt03475000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1216285
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt214537000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0LONG TERM CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CATALYST CORPORATE PERPETUAL CONTRIBUTED CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc2INVESTMENTS IN BANKS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01909214
IRS990ScheduleD/TotalBookValueOtherAssetsAmt04260807
IRS990ScheduleD/TotalBookValueSecuritiesAmt018228285
IRS990ScheduleD/TotalLiabilityAmt070830534
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT/CEO WILL PROVIDE A COPY OF THE FILED FORM 990 TO THE FULL BOARD OF DIRECTORS DURING A SCHEDULED BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANNUAL DISCLOSURES ARE REQUIRED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DETERMINED BY INDUSTRY STANDARDS, EDUCATION, AND EXPERIENCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MAINTENANCE AND REPAIRS: PROGRAM SERVICE EXPENSES 45,784. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 45,784. TRAINING: PROGRAM SERVICE EXPENSES 38,683. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 38,683. STATE EXAM FEES: PROGRAM SERVICE EXPENSES 16,710. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 16,710.
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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 24E
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt077791641
IRS990/TotalAssetsEOYAmt076013819
IRS990/TotalAssetsGrp/BOYAmt077791641
IRS990/TotalAssetsGrp/EOYAmt076013819
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt030
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt03518999
IRS990/TotalFunctionalExpensesGrp/TotalAmt03518999
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt072986490
IRS990/TotalLiabilitiesEOYAmt070938626

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$76,013,819
Liabilities
$70,938,626
Net assets
$5,075,193
Revenue
$3,904,578
Expenses
$3,518,999
Net income
$385,579
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$2.54$4.06$1.51
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$87.1$82.1$4.96$4.15$4.16$0.01
2022Detailed filing. Detailed filing data is available for this year.$92.1$87.7$4.38$5.87$4.46$1.41
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$87.6$81.4$6.21$3.53$3.46$0.06
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.7$75.1$6.56$3.45$3.64$0.19
2019Detailed filing. Detailed filing data is available for this year.$72.6$65.9$6.75$4.08$3.71$0.38
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$72.2$66.5$5.70$3.57$3.44$0.13
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$74.1$68.4$5.73$3.81$3.31$0.50
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.2$66.0$5.17$3.75$3.38$0.37
2015Detailed filing. Detailed filing data is available for this year.$76.0$70.9$5.08$3.90$3.52$0.39
2014Detailed filing. Detailed filing data is available for this year.$77.8$73.0$4.81$3.52$3.16$0.35
2013Detailed filing. Detailed filing data is available for this year.$82.1$77.7$4.42$3.68$3.90$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$86.3$80.0$6.27$4.02
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$86.1$80.0$6.14$4.34
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$86.5$76.9$9.61$4.95