Civic Intelligence

Doco Credit Union

990 • Fiscal year 2014 • EIN 58-0830217

Jan 01, 2014 to Dec 31, 2014 • Filed on Aug 10, 2015

Organization ProfileWWW.DOCOCU.COM

View Organization Page

PO Box 71389Albany, GA 31708

(229) 435-1715

Siviq Scores

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

Liabilities / Assets

32nd percentile

0.88x

Higher debt load relative to assets than 32% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

9th percentile

11.51x

Higher debt load relative to revenue than 9% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

62nd percentile

13%

Higher net margin than 62% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

98th percentile

$635,775

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 4.0% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

32nd percentile

1.8%

Faster asset growth than 32% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

52nd percentile

2.4%

Faster revenue growth than 52% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Flat

$205,457,801

Flat from 2014

Net Assets

Flat

$24,822,036

Flat from 2014

Liabilities

Flat

$180,635,765

Flat from 2014

Revenue And Expenses
Liabilities / Revenue9th percentileNet Margin62nd percentile

Revenue

Flat

$15,699,177

Flat from 2014

Expenses

Flat

$13,662,328

Flat from 2014

Net Income

Flat

$2,036,849

Flat from 2014

Historical Trend

Balance Sheet Trend

Asset Growth32nd percentile

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

$300M$200M$100M$0Assets 2013: $201,782,335Liabilities 2013: $178,997,148Net Assets 2013: $22,785,1872013Assets 2014: $205,457,801Liabilities 2014: $180,635,765Net Assets 2014: $24,822,0362014Assets 2014: $205,457,801Liabilities 2014: $180,635,765Net Assets 2014: $24,822,0362014Assets 2015: $212,305,527Liabilities 2015: $190,602,251Net Assets 2015: $21,703,2762015Assets 2016: $218,323,709Liabilities 2016: $194,805,014Net Assets 2016: $23,518,6952016Assets 2017: $223,827,634Liabilities 2017: $199,829,395Net Assets 2017: $23,998,2392017Assets 2018: $201,864,384Liabilities 2018: $176,556,195Net Assets 2018: $25,308,1892018Assets 2019: $199,135,691Liabilities 2019: $179,311,358Net Assets 2019: $19,824,3332019Assets 2020: $0Liabilities 2020: $0Net Assets 2020: $02020

Highlighted filing

2014

Assets$205,457,801
Liabilities$180,635,765
Net Assets$24,822,036
Open 2014 Filing

Operations Trend

Revenue Growth52nd percentile

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

$30M$20M$10M$0-$10MRevenue 2013: $15,332,064Expenses 2013: $12,308,330Net Income 2013: $3,023,7342013Revenue 2014: $15,699,177Expenses 2014: $13,662,328Net Income 2014: $2,036,8492014Revenue 2014: $15,699,177Expenses 2014: $13,662,328Net Income 2014: $2,036,8492014Revenue 2015: $15,345,187Expenses 2015: $18,463,726Net Income 2015: -$3,118,5392015Revenue 2016: $15,405,747Expenses 2016: $14,224,664Net Income 2016: $1,181,0832016Revenue 2017: $14,913,286Expenses 2017: $14,434,651Net Income 2017: $478,6352017Revenue 2018: $15,665,577Expenses 2018: $14,356,932Net Income 2018: $1,308,6452018Revenue 2019: $15,271,817Expenses 2019: $20,757,555Net Income 2019: -$5,485,7382019Revenue 2020: $0Expenses 2020: $0Net Income 2020: $02020

Highlighted filing

2014

Revenue$15,699,177
Expenses$13,662,328
Net Income$2,036,849
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Aug 10, 2015
Return Version
2014v5.0
Gross Receipts
$15,699,177
Mission and Program Overview

Mission

Provide savings and lending activities to member owners of the cooperative

Provide savings and lending activities to member owners of the cooperative.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$133,331,279$136,269,516▲ $2,938,237
Investments Other Securities$28,100,198$25,590,084▼ $2,510,114
Rtn Earn Endowment Incm Other Fnds$22,785,187$24,822,036▲ $2,036,849
Savings and Temporary Cash Investments$13,487,543$15,958,097▲ $2,470,554
Land, Buildings, and Equipment, Net$6,469,871$6,590,085▲ $120,214
Cash and Non-Interest-Bearing Accounts$4,888,402$5,373,880▲ $485,478
Accounts Receivable$1,177,035$1,447,919▲ $270,884
Prepaid Expenses and Deferred Charges$719,182$796,328▲ $77,146
Total Assets$201,782,335$205,457,801▲ $3,675,466
Other Assets Total$13,608,825$13,431,892▼ $176,933
Liabilities
Other Liabilities$178,024,013$179,456,197▲ $1,432,184
Accounts Payable and Accrued Expenses$973,135$1,179,568▲ $206,433
Total Liabilities$178,997,148$180,635,765▲ $1,638,617
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,785,187$24,822,036▲ $2,036,849
Total Liabilities and Net Assets / Fund Balance$201,782,335$205,457,801▲ $3,675,466

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,809,627$2,130,359-
Land$842,290--
Equipment$764,802$2,614,308-
Leasehold Improvements$173,366$170,529-
Other Assets Org$8,268,700--
Other Securities$367,691--
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Barry Heape--$304,451$331,324$635,776
Barry HeapePresidentceoFT$356,542$279,233$635,775
Robert YoungbloodExecutive VPFT$204,463$27,710$232,173
Robert Youngblood--$179,335$52,838$232,172
Ellen CollinsVpcfoFT$119,182$27,890$147,072
Tom PollockDirector-$7,200-$7,200
Derryl QuinnDirector-$6,000-$6,000
Jack ClayDirector-$6,000-$6,000
Jan ParkerDirector-$6,000-$6,000
Obzeine ShorterDirector-$6,000-$6,000
Rochelle BushDirector-$6,000-$6,000
Seaborn JacksonDirector-$6,000-$6,000

Highest Paid Contractors

ContractorServicesLocationCompensation
Vansant Corriere LLCLegal ServicesPO BOX 347, Albany, GA 31702$141,024
Michael Wood Jr DbaAuto Repossesion Services1421 LIBERTY EXPRESSWAY SE, Albany, GA 31705$106,899
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$15,364,872
Investment Income
$268,488
Other Revenue
$65,817
Change in Net Assets
$2,036,849

Audited Revenue Reconciliation

Revenue per Audited Statements
$15,699,177
Total Revenue per Audited Statements
$15,699,177
Total Revenue per Form 990
$15,699,177
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,952,456
Salaries, Compensation, and Employee Benefits$5,709,872
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$3,409,252--$3,409,252
Interest$1,302,759--$1,302,759
Current Officers, Directors, Trustees, and Key Employees$1,058,220--$1,058,220
Other Expenses$1,016,393--$1,016,393
Fees for Services Legal$728,739--$728,739
Office Expenses$601,057--$601,057
Fees for Services Other$568,124--$568,124
Other Employee Benefits$562,156--$562,156
Occupancy$561,620--$561,620
Depreciation Depletion$464,809--$464,809
Pension Plan Contributions$385,907--$385,907
Payroll Taxes$294,337--$294,337
Information Technology$248,527--$248,527
Advertising$157,618--$157,618
All Other Expenses$127,119--$127,119
Fees for Services Accounting$125,742--$125,742
Insurance$112,023--$112,023
Travel$52,312--$52,312
Conferences and Meetings$49,090--$49,090
Fees for Services Management$4,295--$4,295
Total Functional Expenses$13,662,328$0$0$13,662,328

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$13,662,327
Total Expenses per Audited Statements$13,662,327
Total Expenses per Form 990$13,662,327
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$179,456,197
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
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 Line 6

“As of december 31 2014 42406 members were utilizing the thrift savings and lending activities offered by the credit union.”

Form 990 Part VI Line 7A

“Each member of the credit union has one vote and every member can participate in the annual election of the governing body.”

Form 990 Part VI Line 7B

“At any meeting the members (by one member one vote) may decide on any matter of interest to the credit union and may overrule the governing body provided the notice of the meeting specifies the questions to be considered.”

Form 990 Part VI Line 11B

“The form 990 is prepared by an internal accountant and reviewed by the presidentceo.”

Form 990 Part VI Ln 12a12b12c

“The credit union maintains a conflict of interest policy which is enforced at all times and reviewed annually by the board of directors”

Form 990 Part VI Line 15A

“Compensation of ceo evp and other management is subject to review and approval by the governing body.”

Form 990 Part VI Line 15B

“The review of the ceo's compensation is an annual function of the governing body. The governing body uses a compensation survey from an independent third party to determine compensation for the ceo and all other positions in the organization. Pay ranges are reviewed annually and approved by the governing body.”

Form 990 Part VI One 19

“Governing documents are made available upon request. Financial statements are made available for public viewing on the ncua.gov website as report 5300.”

Filing and Contact Details

Filer

Filer Name
Doco Credit Union
EIN
58-0830217
Address
PO BOX 71389, ALBANY, GA 31708

Signing Officer

Name
Barry Heape
Title
Presidentceo
Phone
2294351715
Signed
2015-08-10

Organization Details

Principal Officer
Barry Heape
Formed
1959
Legal Domicile
Ga
Voting Board Members
7
Independent Board Members
7
Employees
118
Supplemental Narrative

Additional Explanations

Form 990 Part 1 Line 7B

“Form 8868 was filed and approved for a 6 month extention for filing 990-t. Net unrelated business taxable income is estimated. .”

Form 990 Part IV Line 33

“The related organization reported in 2013 was dissolved in 2014.”

Raw XML AppendixShowing 400 of 474 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/OtherExpensesGrp/Desc0CASH OVER AND SHORT
IRS990/OtherExpensesGrp/Desc1FORECLOSED PROPERTY MAINTENANCE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING AND COLLECTION
IRS990/OtherExpensesGrp/ProgramServicesAmt060574
IRS990/OtherExpensesGrp/ProgramServicesAmt174355
IRS990/OtherExpensesGrp/ProgramServicesAmt21697300
IRS990/OtherExpensesGrp/ProgramServicesAmt31016393
IRS990/OtherExpensesGrp/TotalAmt060574
IRS990/OtherExpensesGrp/TotalAmt174355
IRS990/OtherExpensesGrp/TotalAmt21697300
IRS990/OtherExpensesGrp/TotalAmt31016393
IRS990/OtherLiabilitiesGrp/BOYAmt0178024013
IRS990/OtherLiabilitiesGrp/EOYAmt0179456197
IRS990/OtherOrganizationDsc0STATE CHARTERED CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0NON-MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt065817
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt065817
IRS990/OtherRevenueTotalAmt065817
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt03409252
IRS990/OtherSalariesAndWagesGrp/TotalAmt03409252
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0133331279
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0136269516
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt0294337
IRS990/PayrollTaxesGrp/TotalAmt0294337
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0385907
IRS990/PensionPlanContributionsGrp/TotalAmt0385907
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0719182
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0796328
IRS990/PrincipalOfficerNm0BARRY HEAPE
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INCOME FROM LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES
IRS990/ProgramServiceRevenueGrp/Desc2MISCELLANEOUS OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt010414007
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14482558
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2468307
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt010414007
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14482558
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2468307
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0236249
IRS990/PYOtherExpensesAmt06653557
IRS990/PYOtherRevenueAmt066608
IRS990/PYProgramServiceRevenueAmt015029207
IRS990/PYRevenuesLessExpensesAmt03023734
IRS990/PYSalariesCompEmpBnftPaidAmt05654773
IRS990/PYTotalExpensesAmt012308330
IRS990/PYTotalRevenueAmt015332064
IRS990/ReconcilationRevenueExpnssAmt02036849
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt015699177
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt022785187
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt024822036
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013487543
IRS990/SavingsAndTempCashInvstGrp/EOYAmt015958097
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt04809627
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02130359
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt06939986
IRS990ScheduleD/EquipmentGrp/BookValueAmt0764802
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02614308
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt03379110
IRS990ScheduleD/ExpensesSubtotalAmt013662327
IRS990ScheduleD/LandGrp/BookValueAmt0842290
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0842290
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0173366
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0170529
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0343895
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02489416
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1851475
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt21822301
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt38268700
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0OTHER REAL ESTATE OWNED
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1OTHER ASSETS ACQUIRED IN LIQUIDATION OF LOANS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3OTHER ASSETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0179456197
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt06448000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt117500152
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21244000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt330241
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt4367691
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1AGENCY DEBT SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc2DTC CERTIFICATES OF DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3INVESTMENTS IN CUSOS
IRS990ScheduleD/OtherSecuritiesGrp/Desc4PERPETUAL CAPITAL SHARES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/RevenueSubtotalAmt015699177
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06590085
IRS990ScheduleD/TotalBookValueOtherAssetsAmt013431892
IRS990ScheduleD/TotalBookValueSecuritiesAmt025590084
IRS990ScheduleD/TotalExpensesPerForm990Amt013662327
IRS990ScheduleD/TotalLiabilityAmt0179456197
IRS990ScheduleD/TotalRevenuePerForm990Amt015699177
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt015699177
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt013662327
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0304451
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1179335
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount037500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount122969
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0263575
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt126224
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt015658
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt11486
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt014591
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt12159
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0BARRY HEAPE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1ROBERT YOUNGBLOOD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0635776
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1232172
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0717848
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1410886
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SPLIT-DOLLAR LIFE INSURANCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1SPLIT-DOLLAR LIFE INSURANCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0717848
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1410886
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0BARRY HEAPE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1ROBERT YOUNGBLOOD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENTCEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1EVP
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 8868 WAS FILED AND APPROVED FOR A 6 MONTH EXTENTION FOR FILING 990-T. NET UNRELATED BUSINESS TAXABLE INCOME IS ESTIMATED. .
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE RELATED ORGANIZATION REPORTED IN 2013 WAS DISSOLVED IN 2014.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AS OF DECEMBER 31 2014 42406 MEMBERS WERE UTILIZING THE THRIFT SAVINGS AND LENDING ACTIVITIES OFFERED BY THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3EACH MEMBER OF THE CREDIT UNION HAS ONE VOTE AND EVERY MEMBER CAN PARTICIPATE IN THE ANNUAL ELECTION OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AT ANY MEETING THE MEMBERS (BY ONE MEMBER ONE VOTE) MAY DECIDE ON ANY MATTER OF INTEREST TO THE CREDIT UNION AND MAY OVERRULE THE GOVERNING BODY PROVIDED THE NOTICE OF THE MEETING SPECIFIES THE QUESTIONS TO BE CONSIDERED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FORM 990 IS PREPARED BY AN INTERNAL ACCOUNTANT AND REVIEWED BY THE PRESIDENTCEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION MAINTAINS A CONFLICT OF INTEREST POLICY WHICH IS ENFORCED AT ALL TIMES AND REVIEWED ANNUALLY BY THE BOARD OF DIRECTORS

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$205,457,801
Liabilities
$180,635,765
Net assets
$24,822,036
Revenue
$15,699,177
Expenses
$13,662,328
Net income
$2,036,849
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$0.00$0.00$0.00
2019Summary only. Only limited summary data is available for this year.$199$179$19.8$15.3$20.8$5.49
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$202$177$25.3$15.7$14.4$1.31
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$224$200$24.0$14.9$14.4$0.48
2016Summary only. Only limited summary data is available for this year.$218$195$23.5$15.4$14.2$1.18
2015Detailed filing. Detailed filing data is available for this year.$212$191$21.7$15.3$18.5$3.12
2014Detailed filing. Detailed filing data is available for this year.$205$181$24.8$15.7$13.7$2.04
2014Summary only. Only limited summary data is available for this year.$205$181$24.8$15.7$13.7$2.04
2013Summary only. Only limited summary data is available for this year.$202$179$22.8$15.3$12.3$3.02