Civic Intelligence

Bay Credit Union

EIN 59-0690964 • 501(c)14 • Panama City, FL

View Organization Page

Profile

To provide residents of bay county with financial and depository services.

601 Highway 231Panama City, FL 32405

www.baycu.com

Siviq Scores

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

Liabilities / Assets

26th percentile

0.87x

Higher debt load relative to assets than 26% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

41st percentile

14.29x

Higher debt load relative to revenue than 41% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

27th percentile

6.7%

Higher net margin than 27% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

55th percentile

$244,320

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 2.5% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

14th percentile

-2.5%

Faster asset growth than 14% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

58th percentile

15%

Faster revenue growth than 58% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets26th percentile

Assets

Down

$163,318,016

Down $5,229,409 (-3.1%) from 2022

Liabilities

Down

$142,348,271

Down $7,406,279 (-4.9%) from 2022

Net Assets

Up

$20,969,745

Up $2,176,870 (+12%) from 2022

Operations
Liabilities / Revenue41st percentileNet Margin27th percentile

Revenue

Up

$9,964,143

Up $2,116,118 (+27%) from 2022

Expenses

Up

$9,299,864

Up $3,257,719 (+54%) from 2022

Net Income

Down

$664,279

Down $1,141,601 (-63%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth14th percentile

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

$200M$150M$100M$50M$0Assets 2010: $63,323,899Liabilities 2010: $56,973,079Net Assets 2010: $6,350,8202010Assets 2011: $65,891,645Liabilities 2011: $59,300,894Net Assets 2011: $6,590,7512011Assets 2012: $71,005,636Liabilities 2012: $64,329,948Net Assets 2012: $6,675,6882012Assets 2013: $71,977,754Liabilities 2013: $64,540,518Net Assets 2013: $7,437,2362013Assets 2014: $75,718,269Liabilities 2014: $68,025,184Net Assets 2014: $7,693,0852014Assets 2015: $81,641,845Liabilities 2015: $73,966,538Net Assets 2015: $7,675,3072015Assets 2016: $82,379,530Liabilities 2016: $74,795,792Net Assets 2016: $7,583,7382016Assets 2017: $82,887,206Liabilities 2017: $75,437,541Net Assets 2017: $7,449,6652017Assets 2018: $110,747,504Liabilities 2018: $103,478,529Net Assets 2018: $7,268,9752018Assets 2019: $101,786,940Liabilities 2019: $91,954,158Net Assets 2019: $9,832,7822019Assets 2020: $107,126,544Liabilities 2020: $96,394,353Net Assets 2020: $10,732,1912020Assets 2021: $118,332,865Liabilities 2021: $107,385,804Net Assets 2021: $10,947,0612021Assets 2022: $168,547,425Liabilities 2022: $149,754,550Net Assets 2022: $18,792,8752022Assets 2024: $163,318,016Liabilities 2024: $142,348,271Net Assets 2024: $20,969,7452024

Highlighted filing

2024

Assets$163,318,016
Liabilities$142,348,271
Net Assets$20,969,745
Open 2024 Filing

Operations Trend

Revenue Growth58th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $4,225,6302010Expenses 2011: $4,081,9992011Expenses 2012: $4,144,6612012Revenue 2013: $4,388,953Expenses 2013: $3,942,888Net Income 2013: $446,0652013Revenue 2014: $4,850,572Expenses 2014: $4,426,526Net Income 2014: $424,0462014Revenue 2015: $4,936,261Expenses 2015: $5,036,828Net Income 2015: -$100,5672015Revenue 2016: $4,603,734Expenses 2016: $4,558,279Net Income 2016: $45,4552016Revenue 2017: $4,331,558Expenses 2017: $4,496,849Net Income 2017: -$165,2912017Revenue 2018: $4,302,755Expenses 2018: $3,957,885Net Income 2018: $344,8702018Revenue 2019: $5,724,439Expenses 2019: $3,579,920Net Income 2019: $2,144,5192019Revenue 2020: $4,008,457Expenses 2020: $3,650,913Net Income 2020: $357,5442020Revenue 2021: $4,461,399Expenses 2021: $3,809,315Net Income 2021: $652,0842021Revenue 2022: $7,848,025Expenses 2022: $6,042,145Net Income 2022: $1,805,8802022Revenue 2024: $9,964,143Expenses 2024: $9,299,864Net Income 2024: $664,2792024

Highlighted filing

2024

Revenue$9,964,143
Expenses$9,299,864
Net Income$664,279
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$163,318,016
Liabilities
$142,348,271
Net assets
$20,969,745
Revenue
$9,964,143
Expenses
$9,299,864
Net income
$664,279
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$163$142$21.0$9.96$9.30$0.66
2022Summary only. Only limited summary data is available for this year.$169$150$18.8$7.85$6.04$1.81
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$118$107$10.9$4.46$3.81$0.65
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$107$96.4$10.7$4.01$3.65$0.36
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$102$92.0$9.83$5.72$3.58$2.14
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$111$103$7.27$4.30$3.96$0.34
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$82.9$75.4$7.45$4.33$4.50$0.17
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$82.4$74.8$7.58$4.60$4.56$0.05
2015Detailed filing. Detailed filing data is available for this year.$81.6$74.0$7.68$4.94$5.04$0.10
2014Detailed filing. Detailed filing data is available for this year.$75.7$68.0$7.69$4.85$4.43$0.42
2013Detailed filing. Detailed filing data is available for this year.$72.0$64.5$7.44$4.39$3.94$0.45
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$71.0$64.3$6.68$4.14
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$65.9$59.3$6.59$4.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$63.3$57.0$6.35$4.23
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 3, 2025
Return Version
2024v5.2
Gross Receipts
$9,964,143
Mission and Program Overview

Mission

To provide residents of bay county with financial and depository services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$109,363,457$107,503,939▼ $1,859,518
Savings and Temporary Cash Investments$32,959,019$30,025,589▼ $2,933,430
Rtn Earn Endowment Incm Other Fnds$19,426,496$20,969,745▲ $1,543,249
Cash and Non-Interest-Bearing Accounts$7,503,870$7,391,794▼ $112,076
Prepaid Expenses and Deferred Charges$5,607,282$6,188,841▲ $581,559
Land, Buildings, and Equipment, Net$6,152,697$5,697,577▼ $455,120
Intangible Assets$447,317$274,407▼ $172,910
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$167,506,584$163,318,016▼ $4,188,568
Other Assets Total$5,472,942$6,235,869▲ $762,927
Liabilities
Other Liabilities$143,025,789$138,095,414▼ $4,930,375
Accounts Payable and Accrued Expenses$5,054,299$4,252,857▼ $801,442
Total Liabilities$148,080,088$142,348,271▼ $5,731,817
Net Assets / Fund Balance
Total Net Assets Fund Balance$19,426,496$20,969,745▲ $1,543,249
Total Liabilities and Net Assets / Fund Balance$167,506,584$163,318,016▼ $4,188,568

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,558,432$1,781,225$6,339,657
Other Land Buildings$455,207$1,436,144$1,891,351
Land$683,938-$683,938
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael AkersPresident/CEOFT$193,477$50,843$244,320
Stefania JonesVP/CFOFT$159,234$32,360$191,594

Board Members and Trustees

NameTitle
Gary D BlissChairperson
Thomas JamesVice-chairperson
Amy TopolBoard Member
Charles AtkinsBoard Member
Forrest WatsonBoard Member
Kelli GarrettBoard Member
Lance RodanBoard Member
Ray GeigerBoard Member
Richard MaxwellBoard Member
Jim MannSecretary
Eric SespicoTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$799,700
Program Service Revenue
$6,504,599
Investment Income
$763,377
Other Revenue
$1,896,467
Change in Net Assets
$664,279

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,964,143
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$9,964,143
Total Revenue per Form 990
$9,964,143
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,634,608
Salaries, Compensation, and Employee Benefits$2,665,256
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,952,689
Interest---$1,320,602
Information Technology---$750,788
Depreciation Depletion---$712,181
Office Expenses---$517,001
Current Officers, Directors, Trustees, and Key Employees---$435,912
All Other Expenses---$304,103
Payroll Taxes---$276,655
Advertising---$263,156
Fees for Services Management---$236,708
Occupancy---$177,075
Fees for Services Accounting---$99,933
Fees for Services Legal---$96,460
Insurance---$82,418
Other Expenses---$64,984
Conferences and Meetings---$36,009
Travel---$8,928
Total Functional Expenses$0$0$0$9,299,864

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,299,864
Total Expenses per Audited Statements$9,299,864
Total Expenses per Form 990$9,299,864
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$138,095,414
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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, Part VI, Section A, Line 6

“The credit union is owned by its members.”

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

“The board of directors are elected by the credit union's membership for three-year terms. The chairman of the board appoints a nominating committee who will nominate at least one person from the membership for each vacancy for which elections are being held. Members may also be nominated by petition.”

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

“Our cpa firm completes the 990 in conjunction with our accounting department. It is then submitted to our president/ceo and vp of finance for their review and signature.”

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

“Officials, officers, management, and staff are required to sign the conflict of interest policy. All insiders receive services under the same terms as any members. Management performs a review of potential vendors prior to contracting for services. This review would identify possible conflicts of interest.”

Form 990, Part VI, Section B, Line 15

“The board of directors approve the salary of the credit union's president/ceo. The president/ceo approves all employee compensation.”

Form 990, Part VI, Section C, Line 19

“Financial statements are provided to members at the credit union's annual meeting each march and to dunn & bradstreet annually in december.”

Filing and Contact Details

Filer

Filer Name
Hello Credit Union
EIN
59-0690964
Phone
8507856103
Address
601 HIGHWAY 231, PANAMA CITY, FL 32405

Signing Officer

Name
Mike Akers
Title
President/CEO
Phone
8507856103
Signed
2025-11-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mike Akers
Formed
1952
Legal Domicile
Fl
Voting Board Members
11
Independent Board Members
11
Employees
62
Volunteers
11

Preparer

Firm
Warren Averett LLC
Address
350 W CEDAR STREET SUITE 400, PENSACOLA, FL 32502
Preparer
Claire C Duren CPA
Phone
8504357400
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Fasb asc 715 pension liability adjustment 327,626.”

Form 990, Part XII, Line 2(C)

“The credit union has an audit committee comprised of four volunteers who are responsible for the oversight of the audit and the selection of the independent auditors.”

Financial Statement Notes

PART X, LINE 2:

“Provisions of financial accounting standards board (fasb) asc 740, income taxes, require valuation of uncertainty in income taxes for potential financial statement disclosure. Using that guidance, tax positions initially need to be recognized in the financial statements when it is more-likely-than-not the positions will be sustained upon examination by the tax authorities. It also provides guidance for derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition. As of december 31, 2024, the credit union had no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Additionally, the credit union had no interest and penalties related to income taxes. With few exceptions, the credit union is no longer subject to u.s. Federal, state and local income tax examinations by tax authorities for years before 2021.”

Raw XML AppendixShowing 400 of 456 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.

Path#Value
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IRS990/ActivityOrMissionDesc0TO PROVIDE RESIDENTS OF BAY COUNTY WITH FINANCIAL AND DEPOSITORY SERVICES.
IRS990/AdvertisingGrp/TotalAmt0263156
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IRS990/BooksInCareOfDetail/PhoneNum08507856103
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IRS990/Form990PartVIISectionAGrp/PersonNm0THOMAS JAMES
IRS990/Form990PartVIISectionAGrp/PersonNm1RICHARD MAXWELL
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IRS990/Form990PartVIISectionAGrp/PersonNm3LANCE RODAN
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IRS990/Form990PartVIISectionAGrp/PersonNm11STEFANIA JONES
IRS990/Form990PartVIISectionAGrp/PersonNm12MICHAEL AKERS
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IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE-CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12PRESIDENT/CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GovernmentGrantsAmt0799700
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt09964143
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0750788
IRS990/InsuranceGrp/TotalAmt082418
IRS990/IntangibleAssetsGrp/BOYAmt0447317
IRS990/IntangibleAssetsGrp/EOYAmt0274407
IRS990/InterestGrp/TotalAmt01320602
IRS990/InvestmentIncomeGrp/ExclusionAmt0763377
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0763377
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0440
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03217369
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06152697
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05697577
IRS990/LandBldgEquipCostOrOtherBssAmt08914946
IRS990/LegalDomicileStateCd0FL
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE RESIDENTS OF BAY COUNTY WITH FINANCIAL AND DEPOSITORY SERVICES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt019426496
IRS990/NetAssetsOrFundBalancesEOYAmt020969745
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0551344
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0177075
IRS990/OfficeExpensesGrp/TotalAmt0517001
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05472942
IRS990/OtherAssetsTotalGrp/EOYAmt06235869
IRS990/OtherChangesInNetAssetsAmt0327626
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1ATM EXPENSE
IRS990/OtherExpensesGrp/Desc2VISA/MASTERCARD EXPENSE
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt01433899
IRS990/OtherExpensesGrp/TotalAmt1276477
IRS990/OtherExpensesGrp/TotalAmt2253886
IRS990/OtherExpensesGrp/TotalAmt364984
IRS990/OtherLiabilitiesGrp/BOYAmt0143025789
IRS990/OtherLiabilitiesGrp/EOYAmt0138095414
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
IRS990/OtherRevenueMiscGrp/Desc1FOREIGN ATM FEE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01888379
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01888379
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt18088
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt08088
IRS990/OtherRevenueTotalAmt01896467
IRS990/OtherSalariesAndWagesGrp/TotalAmt01952689
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0109363457
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0107503939
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0276655
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05607282
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt06188841
IRS990/PrincipalOfficerNm0MIKE AKERS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06504599
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06504599
IRS990/ProgSrvcAccomActy2Grp/Desc0CREDIT UNION PROGRAM: THE CREDIT UNION PROVIDES LOANS IN THE FORM OF VISA CREDIT CARDS, MORTGAGES, LINES OF CREDIT AND CONSUMER LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0CREDIT UNION PROGRAM: THE CREDIT UNION PROVIDES LOW COST SERVICES SUCH AS SAFE DEPOSIT BOXES, CHECKING, OVERDRAFT PROTECTION, BILL PAY AND WIRE TRANSFER.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0251826
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0650583
IRS990/PYOtherExpensesAmt04951555
IRS990/PYOtherRevenueAmt01689352
IRS990/PYProgramServiceRevenueAmt06054543
IRS990/PYRevenuesLessExpensesAmt0699390
IRS990/PYSalariesCompEmpBnftPaidAmt02995359
IRS990/PYTotalExpensesAmt07946914
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08646304
IRS990/ReconcilationRevenueExpnssAmt0664279
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt019426496
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt020969745
IRS990/SavingsAndTempCashInvstGrp/BOYAmt032959019
IRS990/SavingsAndTempCashInvstGrp/EOYAmt030025589
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/BuildingsGrp/BookValueAmt04558432
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01781225
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06339657
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt09299864
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0683938
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0683938
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0455207
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt01436144
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01891351
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0138095414
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt09964143
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0PROVISIONS OF FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ASC 740, INCOME TAXES, REQUIRE VALUATION OF UNCERTAINTY IN INCOME TAXES FOR POTENTIAL FINANCIAL STATEMENT DISCLOSURE. USING THAT GUIDANCE, TAX POSITIONS INITIALLY NEED TO BE RECOGNIZED IN THE FINANCIAL STATEMENTS WHEN IT IS MORE-LIKELY-THAN-NOT THE POSITIONS WILL BE SUSTAINED UPON EXAMINATION BY THE TAX AUTHORITIES. IT ALSO PROVIDES GUIDANCE FOR DERECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION. AS OF DECEMBER 31, 2024, THE CREDIT UNION HAD NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, THE CREDIT UNION HAD NO INTEREST AND PENALTIES RELATED TO INCOME TAXES. WITH FEW EXCEPTIONS, THE CREDIT UNION IS NO LONGER SUBJECT TO U.S. FEDERAL, STATE AND LOCAL INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR YEARS BEFORE 2021.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05697577
IRS990ScheduleD/TotalExpensesPerForm990Amt09299864
IRS990ScheduleD/TotalLiabilityAmt0138095414
IRS990ScheduleD/TotalRevenuePerForm990Amt09964143
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09964143
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt09299864
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/DiscretionarySpendingAcctInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0193477
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1159234
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount020750
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount115000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt06865
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt15507
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt023228
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt111853
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHAEL AKERS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1STEFANIA JONES
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VP/CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0244320
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1191594
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS OWNED BY ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION'S MEMBERSHIP FOR THREE-YEAR TERMS. THE CHAIRMAN OF THE BOARD APPOINTS A NOMINATING COMMITTEE WHO WILL NOMINATE AT LEAST ONE PERSON FROM THE MEMBERSHIP FOR EACH VACANCY FOR WHICH ELECTIONS ARE BEING HELD. MEMBERS MAY ALSO BE NOMINATED BY PETITION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2OUR CPA FIRM COMPLETES THE 990 IN CONJUNCTION WITH OUR ACCOUNTING DEPARTMENT. IT IS THEN SUBMITTED TO OUR PRESIDENT/CEO AND VP OF FINANCE FOR THEIR REVIEW AND SIGNATURE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3OFFICIALS, OFFICERS, MANAGEMENT, AND STAFF ARE REQUIRED TO SIGN THE CONFLICT OF INTEREST POLICY. ALL INSIDERS RECEIVE SERVICES UNDER THE SAME TERMS AS ANY MEMBERS. MANAGEMENT PERFORMS A REVIEW OF POTENTIAL VENDORS PRIOR TO CONTRACTING FOR SERVICES. THIS REVIEW WOULD IDENTIFY POSSIBLE CONFLICTS OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS APPROVE THE SALARY OF THE CREDIT UNION'S PRESIDENT/CEO. THE PRESIDENT/CEO APPROVES ALL EMPLOYEE COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE PROVIDED TO MEMBERS AT THE CREDIT UNION'S ANNUAL MEETING EACH MARCH AND TO DUNN & BRADSTREET ANNUALLY IN DECEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FASB ASC 715 PENSION LIABILITY ADJUSTMENT 327,626.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE CREDIT UNION HAS AN AUDIT COMMITTEE COMPRISED OF FOUR VOLUNTEERS WHO ARE RESPONSIBLE FOR THE OVERSIGHT OF THE AUDIT AND THE SELECTION OF THE INDEPENDENT AUDITORS.
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 B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2(C)
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0167506584
IRS990/TotalAssetsEOYAmt0163318016
IRS990/TotalAssetsGrp/BOYAmt0167506584
IRS990/TotalAssetsGrp/EOYAmt0163318016
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalContributionsAmt0799700
IRS990/TotalEmployeeCnt062
IRS990/TotalFunctionalExpensesGrp/TotalAmt09299864
IRS990/TotalGrossUBIAmt08088
IRS990/TotalLiabilitiesBOYAmt0148080088
IRS990/TotalLiabilitiesEOYAmt0142348271

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