Civic Intelligence

Hello Credit Union

990 • Fiscal year 2022 • EIN 59-0690964

Jan 01, 2022 to Dec 31, 2022 • Filed on Oct 19, 2023

Organization ProfileWWW.HELLO.COM

View Organization Page

601 Highway 231Panama City, FL 32405

(850) 785-6103

Siviq Scores

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

Liabilities / Assets

32nd percentile

0.89x

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

2022 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2022

Liabilities / Revenue

39th percentile

19.08x

Higher debt load relative to revenue than 39% of similar nonprofits.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2022

Net Margin

80th percentile

23%

Higher net margin than 80% of similar nonprofits.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2022

Top Officer Pay

51st percentile

$219,984

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 2.8% of source-year revenue.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2022

Asset Growth

99th percentile

42%

Faster asset growth than 99% of similar nonprofits.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Revenue Growth

100th percentile

76%

Faster revenue growth than 100% of similar nonprofits.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Flat

$168,547,425

Flat from 2022

Net Assets

Flat

$18,792,875

Flat from 2022

Liabilities

Flat

$149,754,550

Flat from 2022

Revenue And Expenses
Liabilities / Revenue39th percentileNet Margin80th percentile

Revenue

Flat

$7,848,025

Flat from 2022

Expenses

Flat

$6,042,145

Flat from 2022

Net Income

Flat

$1,805,880

Flat from 2022

Historical Trend

Balance Sheet Trend

Asset Growth99th percentile

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

$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 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

2022

Assets$168,547,425
Liabilities$149,754,550
Net Assets$18,792,875
Open 2022 Filing

Operations Trend

Revenue Growth100th percentile

Revenue, expenses, and net income across loaded years, with this 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 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

2022

Revenue$7,848,025
Expenses$6,042,145
Net Income$1,805,880
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Oct 19, 2023
Return Version
2022v5.0
Gross Receipts
$7,848,025
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$67,560,063$112,273,599▲ $44,713,536
Savings and Temporary Cash Investments$30,424,185$37,816,896▲ $7,392,711
Rtn Earn Endowment Incm Other Fnds$10,947,061$18,792,875▲ $7,845,814
Land, Buildings, and Equipment, Net$5,394,178$6,395,335▲ $1,001,157
Prepaid Expenses and Deferred Charges$1,894,541$3,019,887▲ $1,125,346
Cash and Non-Interest-Bearing Accounts$9,662,381$2,957,261▼ $6,705,120
Intangible Assets-$672,479-
Accounts Receivable$6,830$0▼ $6,830
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$118,332,865$168,547,425▲ $50,214,560
Other Assets Total$3,390,687$5,411,968▲ $2,021,281
Liabilities
Other Liabilities$106,346,433$147,537,901▲ $41,191,468
Accounts Payable and Accrued Expenses$1,039,371$2,216,649▲ $1,177,278
Total Liabilities$107,385,804$149,754,550▲ $42,368,746
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,947,061$18,792,875▲ $7,845,814
Total Liabilities and Net Assets / Fund Balance$118,332,865$168,547,425▲ $50,214,560

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,066,709$2,060,298$7,127,007
Other Land Buildings$644,688$1,088,988$1,733,676
Land$683,938-$683,938
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael AkersPresident/CEOFT$167,362$52,622$219,984
Stefania JonesVP/CFOFT$132,701$13,074$145,775

Board Members and Trustees

NameTitle
Gary D BlissChairperson
Thomas JamesVice-chairperson
Amy TopolBoard Member
Carol KilgoreBoard Member
Charles AtkinsBoard Member
Dallas ShawBoard Member
Eric SespicoBoard Member
Forrest WatsonBoard Member
Frank GillmoreBoard Member
Kelli GarrettBoard Member
Lance RodanBoard Member
Ray GeigerBoard Member
Richard MaxwellBoard Member
Jim MannSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$1,199,439
Program Service Revenue
$4,891,201
Investment Income
$515,279
Other Revenue
$1,242,106
Change in Net Assets
$1,805,880

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,848,025
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$7,848,025
Total Revenue per Form 990
$7,848,025
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,489,433
Salaries, Compensation, and Employee Benefits$2,552,712
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,682,510
Depreciation Depletion---$614,016
Office Expenses---$534,617
Information Technology---$468,187
All Other Expenses---$379,336
Current Officers, Directors, Trustees, and Key Employees---$365,759
Payroll Taxes---$256,246
Other Employee Benefits---$248,197
Advertising---$179,617
Interest---$148,569
Occupancy---$140,672
Insurance---$94,870
Other Expenses---$67,335
Fees for Services Accounting---$60,808
Fees for Services Legal---$52,375
Conferences and Meetings---$19,578
Travel---$5,248
Total Functional Expenses$0$0$0$6,042,145

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$6,042,145
Total Expenses per Audited Statements$6,042,145
Total Expenses per Form 990$6,042,145
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$147,537,901
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
2023-10-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mike Akers
Formed
1952
Legal Domicile
Fl
Voting Board Members
14
Independent Board Members
14
Employees
59
Volunteers
14

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 -140,717. Equity acquired in merger 7,692,542.”

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.”

FORM 990, PART XI, LINE 9:

“On april 1, 2022, the credit union merged with flag credit union. The related revenue and expenses have been included on this form 990.”

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, 2022, 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 2019.”

Raw XML AppendixShowing 400 of 475 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt03550
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt014
IRS990/GovernmentGrantsAmt01199439
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt03550
IRS990/GrossReceiptsAmt07848025
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt014
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0468187
IRS990/InsuranceGrp/TotalAmt094870
IRS990/IntangibleAssetsGrp/EOYAmt0672479
IRS990/InterestGrp/TotalAmt0148569
IRS990/InvestmentIncomeGrp/ExclusionAmt0511729
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0511729
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0474
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt06395335
IRS990/LandBldgEquipCostOrOtherBssAmt09544621
IRS990/LegalDomicileStateCd0FL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
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/NameChangeInd0X
IRS990/NetAssetsOrFundBalancesBOYAmt010947061
IRS990/NetAssetsOrFundBalancesEOYAmt018792875
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt03550
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt03550
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-1511891
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0140672
IRS990/OfficeExpensesGrp/TotalAmt0534617
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03390687
IRS990/OtherAssetsTotalGrp/EOYAmt05411968
IRS990/OtherChangesInNetAssetsAmt07551825
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0248197
IRS990/OtherExpensesGrp/Desc0ATM EXPENSE
IRS990/OtherExpensesGrp/Desc1VISA/MASTERCARD EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt0275695
IRS990/OtherExpensesGrp/TotalAmt1274699
IRS990/OtherExpensesGrp/TotalAmt2173811
IRS990/OtherExpensesGrp/TotalAmt367335
IRS990/OtherLiabilitiesGrp/BOYAmt0106346433
IRS990/OtherLiabilitiesGrp/EOYAmt0147537901
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
IRS990/OtherRevenueMiscGrp/Desc1FOREIGN ATM FEE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01221459
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01221459
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt120647
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt020647
IRS990/OtherRevenueTotalAmt01242106
IRS990/OtherSalariesAndWagesGrp/TotalAmt01682510
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt067560063
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0112273599
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0256246
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01894541
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03019887
IRS990/PrincipalOfficerNm0MIKE AKERS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04891201
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04891201
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/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0367676
IRS990/PYOtherExpensesAmt02045282
IRS990/PYOtherRevenueAmt01081302
IRS990/PYProgramServiceRevenueAmt03012421
IRS990/PYRevenuesLessExpensesAmt0652084
IRS990/PYSalariesCompEmpBnftPaidAmt01764033
IRS990/PYTotalExpensesAmt03809315
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04461399
IRS990/ReconcilationRevenueExpnssAmt01805880
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010947061
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt018792875
IRS990/SavingsAndTempCashInvstGrp/BOYAmt030424185
IRS990/SavingsAndTempCashInvstGrp/EOYAmt037816896
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/BookValueAmt05066709
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02060298
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07127007
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt06042145
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0683938
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0683938
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0644688
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt01088988
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01733676
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0147537901
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt07848025
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, 2022, 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 2019.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06395335
IRS990ScheduleD/TotalExpensesPerForm990Amt06042145
IRS990ScheduleD/TotalLiabilityAmt0147537901
IRS990ScheduleD/TotalRevenuePerForm990Amt07848025
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt07848025
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt06042145
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/DiscretionarySpendingAcctInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0167362
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount029600
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt07214
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt015808
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHAEL AKERS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0219984
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
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 -140,717. EQUITY ACQUIRED IN MERGER 7,692,542.
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/ExplanationTxt8ON APRIL 1, 2022, THE CREDIT UNION MERGED WITH FLAG CREDIT UNION. THE RELATED REVENUE AND EXPENSES HAVE BEEN INCLUDED ON THIS FORM 990.
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)
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$168,547,425
Liabilities
$149,754,550
Net assets
$18,792,875
Revenue
$7,848,025
Expenses
$6,042,145
Net income
$1,805,880
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
2022Detailed filing. Detailed filing data is available for this year.$169$150$18.8$7.85$6.04$1.81
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