Civic Intelligence

Workmen'S Circle Credit Union

990 • Fiscal year 2017 • EIN 58-6038163

Jan 01, 2017 to Dec 31, 2017 • Filed on Mar 20, 2018

Organization Profilewww.workmenscirclecu.com

View Organization Page

527 Stephenson Avenue Ste Suite 1Savannah, GA 31405

(912) 356-9225

Siviq Scores

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

Liabilities / Assets

10th percentile

0.78x

Higher debt load relative to assets than 10% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Liabilities / Revenue

61st percentile

20.17x

Higher debt load relative to revenue than 61% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Net Margin

100th percentile

53%

Higher net margin than 100% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Top Officer Pay

46th percentile

$132,394

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 4.9% of source-year revenue.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Asset Growth

15th percentile

-1.0%

Faster asset growth than 15% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Revenue Growth

76th percentile

10%

Faster revenue growth than 76% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets10th percentile

Assets

Down

$68,805,974

Down $694,514 (-1.0%) from 2016

Net Assets

Up

$14,795,469

Up $1,417,926 (+11%) from 2016

Liabilities

Down

$54,010,505

Down $2,112,440 (-3.8%) from 2016

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin100th percentile

Revenue

Up

$2,678,076

Up $252,227 (+10%) from 2016

Expenses

Up

$1,260,150

Up $194,403 (+18%) from 2016

Net Income

Up

$1,417,926

Up $57,824 (+4.3%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth15th percentile

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

$150M$100M$50M$0Assets 2010: $45,255,032Liabilities 2010: $40,339,604Net Assets 2010: $4,915,4282010Assets 2011: $48,777,652Liabilities 2011: $43,266,561Net Assets 2011: $5,511,0912011Assets 2012: $53,266,411Liabilities 2012: $46,865,518Net Assets 2012: $6,400,8932012Assets 2013: $58,022,618Liabilities 2013: $48,830,736Net Assets 2013: $9,191,8822013Assets 2014: $58,395,650Liabilities 2014: $47,712,371Net Assets 2014: $10,683,2792014Assets 2015: $61,820,821Liabilities 2015: $49,803,380Net Assets 2015: $12,017,4412015Assets 2016: $69,500,488Liabilities 2016: $56,122,945Net Assets 2016: $13,377,5432016Assets 2017: $68,805,974Liabilities 2017: $54,010,505Net Assets 2017: $14,795,4692017Assets 2018: $70,996,116Liabilities 2018: $54,660,287Net Assets 2018: $16,335,8292018Assets 2019: $74,605,619Liabilities 2019: $56,814,775Net Assets 2019: $17,790,8442019Assets 2020: $93,807,894Liabilities 2020: $74,823,874Net Assets 2020: $18,984,0202020Assets 2021: $104,394,807Liabilities 2021: $83,944,971Net Assets 2021: $20,449,8362021Assets 2022: $110,795,129Liabilities 2022: $88,934,158Net Assets 2022: $21,860,9712022Assets 2023: $119,718,974Liabilities 2023: $96,994,821Net Assets 2023: $22,724,1532023

Highlighted filing

2017

Assets$68,805,974
Liabilities$54,010,505
Net Assets$14,795,469
Open 2017 Filing

Operations Trend

Revenue Growth76th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,527,5002010Expenses 2011: $1,621,6152011Expenses 2012: $1,467,1522012Revenue 2013: $2,297,553Expenses 2013: -$493,436Net Income 2013: $2,790,9892013Revenue 2014: $2,255,614Expenses 2014: $764,217Net Income 2014: $1,491,3972014Revenue 2015: $2,273,562Expenses 2015: $939,400Net Income 2015: $1,334,1622015Revenue 2016: $2,425,849Expenses 2016: $1,065,747Net Income 2016: $1,360,1022016Revenue 2017: $2,678,076Expenses 2017: $1,260,150Net Income 2017: $1,417,9262017Revenue 2018: $2,972,765Expenses 2018: $1,432,405Net Income 2018: $1,540,3602018Revenue 2019: $3,117,586Expenses 2019: $1,662,571Net Income 2019: $1,455,0152019Revenue 2020: $3,086,195Expenses 2020: $1,893,019Net Income 2020: $1,193,1762020Revenue 2021: $2,967,140Expenses 2021: $1,501,324Net Income 2021: $1,465,8162021Revenue 2022: $3,391,934Expenses 2022: $1,980,800Net Income 2022: $1,411,1342022Revenue 2023: $5,224,623Expenses 2023: $4,596,182Net Income 2023: $628,4412023

Highlighted filing

2017

Revenue$2,678,076
Expenses$1,260,150
Net Income$1,417,926
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Mar 20, 2018
Return Version
2017v2.3
Gross Receipts
$2,678,076
Mission and Program Overview

Mission

A credit union serving 1260 members who live or work in chatham county but do not have another occupational credit union that they may join.

A credit union serving 1393 members who live or work in Chatham County but do not have another occupational credit union that they may join

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$45,361,615$49,234,003▲ $3,872,388
Savings and Temporary Cash Investments$22,241,435$17,669,520▼ $4,571,915
Rtn Earn Endowment Incm Other Fnds$12,822,694$14,240,620▲ $1,417,926
Investments Program Related$789,331$816,423▲ $27,092
Land, Buildings, and Equipment, Net$570,636$557,554▼ $13,082
Pd in Cap Srpls Land Bldg Eqp Fund$554,849$554,849→ $0
Receivables From Officers Etc$108,442$97,799▼ $10,643
Total Assets$69,500,488$68,805,974▼ $694,514
Other Assets Total$429,029$430,675▲ $1,646
Liabilities
Other Liabilities$56,096,691$53,679,094▼ $2,417,597
Accounts Payable and Accrued Expenses$26,254$331,411▲ $305,157
Total Liabilities$56,122,945$54,010,505▼ $2,112,440
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,377,543$14,795,469▲ $1,417,926
Total Liabilities and Net Assets / Fund Balance$69,500,488$68,805,974▼ $694,514

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$816,423--
Buildings$481,274$100,654-
Land$59,250--
Equipment$17,030$111,282-
Other Assets Org$430,675--
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Chris a MiltiadesPresidentFT$132,394$132,394
Donna a SmithAssistant SecretaryFT$76,176$76,176

Board Members and Trustees

NameTitle
Leon Aronson DdsBoard Chairman
Frank Hoffman MdCommittee Chairman
Lloyd Goodman MdCommittee Chairman
Gale HirshDirector
Harold YellinDirector
Michael KarpfDirector
Michael KoodenDirector
Paul Kulbersh DmdDirector
Stephen GreenbergDirector
Fred Rabhan DpmSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,402,086
Investment Income
$273,542
Other Revenue
$2,448
Change in Net Assets
$1,417,926
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$817,978
Salaries, Compensation, and Employee Benefits$442,172
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$208,570
Other Salaries and Wages---$153,940
Other Expenses---$100,000
Fees for Services Accounting---$40,315
Office Expenses---$37,203
Advertising---$31,876
Information Technology---$30,829
Depreciation Depletion---$30,010
Payroll Taxes---$29,953
All Other Expenses---$28,054
Other Employee Benefits---$26,955
Pension Plan Contributions---$22,754
Occupancy---$19,918
Conferences and Meetings---$10,385
Fees for Services Legal---$5,433
Travel---$4,989
Insurance---$3,569
Total Functional Expenses$0$0$0$1,260,150
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$108,442$97,799▼ $10,643
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares Deposits$53,679,094
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Line 1A

“None”

Part VI Line 1A

“The Board of Directors does not delegate broad authority to the Executive”

Part VI Line 1A

“Committee. The Committee will make recommendations to the Board.”

Part VI Line 11B

“The form 990 is completed by the Compliance Officer and is reviewed by the”

Part VI Line 11B

“credit union President before it is submitted.”

Part VI Line 15A or B

“The President, officer and supporting staff are subject to performance”

Part VI Line 15A or B

“reviews on an annual basis. The last review was September 2017.”

Part VI Line 19

“Financial statements are posted on a bulletin board in the lobby of the”

Part VI Line 19

“credit union. Therefore, it can be viewed by anyone entering the premises.”

Part VI Lines 15A & 15B

“The President, officer ans supporting staff are subject to”

Part VI Lines 15A & 15B

“performance reviews on an annual basis.”

Part VI Line 19

“Financial statements are posted on a bulletin board in the”

Part VI Line 19

“lobby of the credit union. Therefore, it can be viewed by”

Part VI Line 19

“anyone entering the premises.”

Filing and Contact Details

Filer

Filer Name
Workmen's Circle Credit Union
EIN
58-6038163
In Care Of
% Chris A Miltiades
Phone
9123569225
Address
527 Stephenson Avenue Ste Suite 1, Savannah, GA 31405

Signing Officer

Name
Chris a Miltiades
Title
President
Phone
9123569225
Signed
2018-03-20

Organization Details

Principal Officer
Chris a Miltiades
Formed
1950
Legal Domicile
Ga
Voting Board Members
11
Independent Board Members
0
Employees
8
Supplemental Narrative

Additional Explanations

Part IX Line 24E

“All Other Expenses Total expenses - $28054.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”

Part XII Line 2C

“The Supervisory Committee hires auditors to audit and review financial”

Part XII Line 2C

“statements and other various policies and procedures.”

Raw XML AppendixShowing 400 of 483 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/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02260237
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1141849
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02260237
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1141849
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0198853
IRS990/PYOtherExpensesAmt0663940
IRS990/PYOtherRevenueAmt07008
IRS990/PYProgramServiceRevenueAmt02219988
IRS990/PYRevenuesLessExpensesAmt01360102
IRS990/PYSalariesCompEmpBnftPaidAmt0401807
IRS990/PYTotalExpensesAmt01065747
IRS990/PYTotalRevenueAmt02425849
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0108442
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt097799
IRS990/ReconcilationRevenueExpnssAmt01417926
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt02678076
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012822694
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014240620
IRS990/SavingsAndTempCashInvstGrp/BOYAmt022241435
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017669520
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0481274
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0100654
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0581928
IRS990ScheduleD/EquipmentGrp/BookValueAmt017030
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0111282
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0128312
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0816423
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Accruals Prepaids
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt059250
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt059250
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0430675
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUA Insurance
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt053679094
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0557554
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0430675
IRS990ScheduleD/TotalBookValueProgramRltdAmt0816423
IRS990ScheduleD/TotalLiabilityAmt053679094
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd1false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd2false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd3false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd4false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd5false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd6false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd7false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd8false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd9false
IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd0false
IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd1false
IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd2false
IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd3false
IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd4false
IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt028000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt112753
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt218710
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt319390
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt413121
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt55825
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Share sec
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1New Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2New Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4New Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Used Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt084025
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt116925
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt220025
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt3170000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt428000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt518087
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt650000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt7250000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0FRED RABHAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1FRED RABHAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2FRED RABHAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3FRED RABHAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4PAUL KULBERSH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5PAUL KULBERSH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6S GREENBERG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7C MILTIADES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7President
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd9false
IRS990ScheduleL/TotalBalanceDueAmt097799
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0None
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors does not delegate broad authority to the Executive
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Committee. The Committee will make recommendations to the Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The form 990 is completed by the Compliance Officer and is reviewed by the
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4credit union President before it is submitted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The President, officer and supporting staff are subject to performance
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6reviews on an annual basis. The last review was September 2017.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Financial statements are posted on a bulletin board in the lobby of the
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8credit union. Therefore, it can be viewed by anyone entering the premises.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9All Other Expenses Total expenses - $28054.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10The Supervisory Committee hires auditors to audit and review financial
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11statements and other various policies and procedures.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12The President, officer ans supporting staff are subject to
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13performance reviews on an annual basis.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14Financial statements are posted on a bulletin board in the
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15lobby of the credit union. Therefore, it can be viewed by
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16anyone entering the premises.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 1a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 1a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 1a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 11b

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$68,805,974
Liabilities
$54,010,505
Net assets
$14,795,469
Revenue
$2,678,076
Expenses
$1,260,150
Net income
$1,417,926
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$120$97.0$22.7$5.22$4.60$0.63
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$111$88.9$21.9$3.39$1.98$1.41
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$104$83.9$20.4$2.97$1.50$1.47
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$93.8$74.8$19.0$3.09$1.89$1.19
2019Summary only. Only limited summary data is available for this year.$74.6$56.8$17.8$3.12$1.66$1.46
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$71.0$54.7$16.3$2.97$1.43$1.54
2017Detailed filing. Detailed filing data is available for this year.$68.8$54.0$14.8$2.68$1.26$1.42
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$69.5$56.1$13.4$2.43$1.07$1.36
2015Detailed filing. Detailed filing data is available for this year.$61.8$49.8$12.0$2.27$0.94$1.33
2014Detailed filing. Detailed filing data is available for this year.$58.4$47.7$10.7$2.26$0.76$1.49
2013Detailed filing. Detailed filing data is available for this year.$58.0$48.8$9.19$2.30$0.49$2.79
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.3$46.9$6.40$1.47
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.8$43.3$5.51$1.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.3$40.3$4.92$1.53