Civic Intelligence

State Chartered Credit Unions in Florida Envision Credit Union

990 • Fiscal year 2015 • EIN 59-0873652

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 10, 2016

Organization ProfileWWW.ENVISION.COM

View Organization Page

440 N Monroe StreetTallahassee, FL 32301

(850) 942-9000

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.91x

Higher debt load relative to assets than 82% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

13th percentile

13.24x

Higher debt load relative to revenue than 13% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

84th percentile

22%

Higher net margin than 84% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

26th percentile

$302,406

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

78th percentile

9.8%

Faster asset growth than 78% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

75th percentile

11%

Faster revenue growth than 75% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$303,045,242

Up $27,124,225 (+9.8%) from 2014

Net Assets

Up

$26,555,204

Up $4,138,623 (+18%) from 2014

Liabilities

Up

$276,490,038

Up $22,985,602 (+9.1%) from 2014

Revenue And Expenses
Liabilities / Revenue13th percentileNet Margin84th percentile

Revenue

Up

$20,888,693

Up $2,007,952 (+11%) from 2014

Expenses

Down

$16,383,368

Down $1,365,191 (-7.7%) from 2014

Net Income

Up

$4,505,325

Up $3,373,143 (+298%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth78th percentile

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

$1.0B$500M$0Assets 2010: $214,731,061Liabilities 2010: $198,992,115Net Assets 2010: $15,738,9462010Assets 2011: $225,071,242Liabilities 2011: $207,652,876Net Assets 2011: $17,418,3662011Assets 2012: $242,585,733Liabilities 2012: $222,798,850Net Assets 2012: $19,786,8832012Assets 2013: $263,924,609Liabilities 2013: $243,139,445Net Assets 2013: $20,785,1642013Assets 2014: $275,921,017Liabilities 2014: $253,504,436Net Assets 2014: $22,416,5812014Assets 2015: $303,045,242Liabilities 2015: $276,490,038Net Assets 2015: $26,555,2042015Assets 2016: $451,662,818Liabilities 2016: $413,066,877Net Assets 2016: $38,595,9412016Assets 2017: $520,221,684Liabilities 2017: $474,319,276Net Assets 2017: $45,902,4082017Assets 2018: $580,912,574Liabilities 2018: $530,759,072Net Assets 2018: $50,153,5022018Assets 2019: $621,636,360Liabilities 2019: $566,208,661Net Assets 2019: $55,427,6992019Assets 2020: $716,005,709Liabilities 2020: $657,433,920Net Assets 2020: $58,571,7892020Assets 2021: $809,997,626Liabilities 2021: $746,880,143Net Assets 2021: $63,117,4832021Assets 2022: $805,154,808Liabilities 2022: $753,258,130Net Assets 2022: $51,896,6782022Assets 2023: $836,726,256Liabilities 2023: $776,923,726Net Assets 2023: $59,802,5302023Assets 2024: $839,902,667Liabilities 2024: $773,886,424Net Assets 2024: $66,016,2432024

Highlighted filing

2015

Assets$303,045,242
Liabilities$276,490,038
Net Assets$26,555,204
Open 2015 Filing

Operations Trend

Revenue Growth75th percentile

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

$80M$60M$40M$20M$0Expenses 2010: $17,053,8522010Expenses 2011: $15,777,5672011Expenses 2012: $15,686,8282012Revenue 2013: $18,452,923Expenses 2013: $16,398,510Net Income 2013: $2,054,4132013Revenue 2014: $18,880,741Expenses 2014: $17,748,559Net Income 2014: $1,132,1822014Revenue 2015: $20,888,693Expenses 2015: $16,383,368Net Income 2015: $4,505,3252015Revenue 2016: $26,152,552Expenses 2016: $23,705,264Net Income 2016: $2,447,2882016Revenue 2017: $31,650,042Expenses 2017: $26,324,870Net Income 2017: $5,325,1722017Revenue 2018: $37,529,083Expenses 2018: $32,468,830Net Income 2018: $5,060,2532018Revenue 2019: $41,590,666Expenses 2019: $36,927,400Net Income 2019: $4,663,2662019Revenue 2020: $43,573,562Expenses 2020: $40,855,170Net Income 2020: $2,718,3922020Revenue 2021: $45,725,908Expenses 2021: $40,246,391Net Income 2021: $5,479,5172021Revenue 2022: $46,065,094Expenses 2022: $41,471,619Net Income 2022: $4,593,4752022Revenue 2023: $56,553,134Expenses 2023: $51,450,766Net Income 2023: $5,102,3682023Revenue 2024: $60,874,838Expenses 2024: $57,135,905Net Income 2024: $3,738,9332024

Highlighted filing

2015

Revenue$20,888,693
Expenses$16,383,368
Net Income$4,505,325
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 10, 2016
Return Version
2015v2.1
Gross Receipts
$33,995,450
Mission and Program Overview

Mission

Meet members financial needs through quality service at the best value while maintaining financial stability.

To safeguard and manage the assets entrusted to the credit union by its member-owners; to better the economic well being of our member-owners by delivering convenient personalized products and services of exceptional value.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$170,903,652$169,145,302▼ $1,758,350
Investments in Publicly Traded Securities$46,565,802$65,968,876▲ $19,403,074
Cash and Non-Interest-Bearing Accounts$27,090,473$34,728,732▲ $7,638,259
Rtn Earn Endowment Incm Other Fnds$22,416,581$26,555,204▲ $4,138,623
Land, Buildings, and Equipment, Net$10,432,620$10,264,655▼ $167,965
Receivables From Officers Etc$5,722,944$5,697,305▼ $25,639
Accounts Receivable$1,254,724$2,752,274▲ $1,497,550
Investments Other Securities$579,100$589,800▲ $10,700
Prepaid Expenses and Deferred Charges$305,206$388,976▲ $83,770
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$275,921,017$303,045,242▲ $27,124,225
Other Assets Total$13,066,496$13,509,322▲ $442,826
Liabilities
Other Liabilities$240,970,237$263,831,634▲ $22,861,397
Mortgage Notes Payable Secured by Investment Property$7,500,000$7,500,000→ $0
Accounts Payable and Accrued Expenses$5,034,199$5,158,404▲ $124,205
Total Liabilities$253,504,436$276,490,038▲ $22,985,602
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,416,581$26,555,204▲ $4,138,623
Total Liabilities and Net Assets / Fund Balance$275,921,017$303,045,242▲ $27,124,225

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,082,603$3,809,182$8,891,785
Equipment$1,094,448$3,649,076$4,743,524
Land$4,087,604-$4,087,604
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Darryl G WorrellPresident/CEOFT$251,679$50,727$302,406
Hollie MaddoxSVP Member ServicesFT$145,634$30,983$176,617
Anice R ProsserCAO/SVP AdministrationFT$126,879$36,053$162,932
Edith GrinerSVP Pmt SystemsPT$128,229$8,223$136,452
Stephanie StrakerVP FinanceFT$85,429$6,506$91,935

Board Members and Trustees

NameTitle
Dr Jim CroteauChairperson
Thomas B Perrin1st Vice Chair
Dr Karen Samuel2nd Vice Chair
M Christopher BryantSecretary
Dr Sam CcallTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FisVisa Card Services11601 N ROOSEVELT BLVD, St Petersburg, FL 33716$2,203,728
United Solutions CompanyOptical ServicesPO BOX 5496, Tallahassee, FL 32314$1,401,780
Williams Gautier Gwynn Deloach & SoreLegal ServicesPO BOX 4128, Tallahassee, FL 32315-4128$307,849
Constructions & Maintenance SpecialistsBldg & Lawn Maintenance3550 LAKESHORE DRIVE, Tallahassee, FL 32312$294,188
Official Payments CorpBill Pay ServicesPO BOX 418410, Boston, MA 02241-8410$204,590
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$13,206,802
Investment Income
$1,186,588
Other Revenue
$6,495,303
Change in Net Assets
$4,505,325
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,986,591
Salaries, Compensation, and Employee Benefits$5,396,777
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$3,886,593--$3,886,593
Information Technology$1,459,070--$1,459,070
All Other Expenses$1,413,117--$1,413,117
Depreciation Depletion$863,061--$863,061
Office Expenses$598,529--$598,529
Interest$575,311--$575,311
Current Officers, Directors, Trustees, and Key Employees$570,958--$570,958
Fees for Services Other$455,993--$455,993
Other Employee Benefits$447,868--$447,868
Advertising$444,187--$444,187
Other Expenses$419,703--$419,703
Payroll Taxes$348,221--$348,221
Fees for Services Legal$299,821--$299,821
Occupancy$178,049--$178,049
Pension Plan Contributions$143,137--$143,137
Insurance$138,815--$138,815
Fees for Services Accounting$59,077--$59,077
Conferences and Meetings$58,786--$58,786
Payments to Affiliates$41,382--$41,382
Travel$24,382--$24,382
Fees for Service Investment Mgmnt Fees$6,000--$6,000
Total Functional Expenses$16,383,368$0$0$16,383,368
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$5,722,944$5,697,305▼ $25,639
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$104,205,503
Checking Accounts$72,643,652
Money Market$60,953,148
Certificates of Deposit$14,546,870
Ira/keogh$11,482,461
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 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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization has members.”

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

“The credit union membership may participate in the election of officials. Each member has only one vote; it is not possible for a single member to elect a member to the governing body.”

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

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

Form 990, Part VI, Section B, Line 11

“When the form 990 has been completed by the cpa firm and received by ecu, it is reviewed first by the cfo for accuracy, then by the ceo and later by the board of directors.”

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

“Compliance with the credit union's officer, director, and employee policies regarding conflicts of interest are addressed in the related policies.”

Form 990, Part VI, Section B, Line 15

“It is the policy of the credit union to pay compensation that is nondicriminatory and competitive. However, all compensation policy decisions must take into consideration, envision credit union's overall financial condition and competitive position.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents are not made availalbe to the public. The credit union's conflict of interest policy is not made available to the public. The credit union's financial statements are available for public viewing on the ncua website, via the quarterly 5300 filing.”

Filing and Contact Details

Filer

Filer Name
Envision Credit Union
EIN
59-0873652
Phone
8509429000
Address
440 N MONROE STREET, TALLAHASSEE, FL 32301

Signing Officer

Name
Stephanie Straker
Title
VP of Finance
Phone
8509429000
Signed
2016-11-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mr Darryl Worrell
Formed
1954
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
171
Volunteers
8

Preparer

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

Additional Explanations

Form 990, Part III, Line 3

“Credit card portfolio was sold.”

Form 990, Part IX, Line 24E

“Atm/debit visa network costs: program service expenses 320,631. Management and general expenses 0. Fundraising expenses 0. Total expenses 320,631. Equipment rental/maintenance: program service expenses 288,224. Management and general expenses 0. Fundraising expenses 0. Total expenses 288,224. Misc. Expense: program service expenses 225,658. Management and general expenses 0. Fundraising expenses 0. Total expenses 225,658. Officer loan adjustment: program service expenses 180,230. Management and general expenses 0. Fundraising expenses 0. Total expenses 180,230. Real estate/tangible taxes: program service expenses 161,668. Management and general expenses 0. Fundraising expenses 0. Total expenses 161,668. Education: program service expenses 96,207. Management and general expenses 0. Fundraising expenses 0. Total expenses 96,207. Ncua assessment: program service expenses 70,074. Management and general expenses 0. Fundraising expenses 0. Total expenses 70,074. Cash over/short: program service expenses 40,577. Management and general expenses 0. Fundraising expenses 0. Total expenses 40,577. Atm/debit misc losses: program service expenses 29,848. Management and general expenses 0. Fundraising expenses 0. Total expenses 29,848.”

FORM 990, PART XI, LINE 9:

“Reclassification adjustments for net investment gains -56,693. Included in net income”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt from most federal, state, and local taxes; however, the consolidated subsidiary is not exempt. Usc accounts for income taxes in accordance with the provisions of the income taxes topic of the fasb asc. The statement requires that deferred income taxes reflect tax consequences on future years of differences between the tax basis of assets and liabilities and their basis for financial reporting purposes. In addition, this topic requires the recognition of future tax benefits, such as net operating loss carry forwards, to the extent that realization of such benefits are more likely than not. Deferred taxes are provided for purposes of reporting on temporary differences between accounting and taxable income. The income taxes topic of the fasb asc clarifies accounting for uncertainty in income taxes reported in the financial statements. The interpretation provides criteria for assessment of individual tax positions and a process for recognition and measurement of uncertain tax positions. Tax positions are evaluated on whether they meet the "more likely than not" standard for sustainability upon examination by tax authorities. The credit union is a state-chartered credit union as defined in internal revenue code (irc) section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities directly related to its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (ubi) derived by state-chartered credit unions. Beginning in march 2008, the internal revenue service (irs) released technical advice memorandums to specific state-chartered credit unions specifying the revenue sources subject to unrelated business income tax. Ubi may also be subject to tax in certain states. Management has assessed the credit union's activities and any potential federal or state income tax liability and determined that the credit union has no uncertain tax positions that qualify for either recognition or disclosure in the consolidated financial statements. Additionally, no interest and penalties have been recorded in the accompanying consolidated financial statements related to uncertain tax positions. Currently, the 2014, 2013, and 2012 federal income tax returns are open for examination by the irs. The filing years open for examination by the state, if applicable, may be equal to, greater than or less than the years open for examination by the irs.”

Raw XML AppendixShowing 400 of 628 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/ActivityOrMissionDesc0TO SAFEGUARD AND MANAGE THE ASSETS ENTRUSTED TO THE CREDIT UNION BY ITS MEMBER-OWNERS; TO BETTER THE ECONOMIC WELL BEING OF OUR MEMBER-OWNERS BY DELIVERING CONVENIENT PERSONALIZED PRODUCTS AND SERVICES OF EXCEPTIONAL VALUE.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt535607
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IRS990/Form990PartVIISectionAGrp/PersonNm2DR KAREN SAMUEL
IRS990/Form990PartVIISectionAGrp/PersonNm3M CHRISTOPHER BRYANT
IRS990/Form990PartVIISectionAGrp/PersonNm4DR SAM CCALL
IRS990/Form990PartVIISectionAGrp/PersonNm5DARRYL G WORRELL
IRS990/Form990PartVIISectionAGrp/PersonNm6STEPHANIE STRAKER
IRS990/Form990PartVIISectionAGrp/PersonNm7HOLLIE MADDOX
IRS990/Form990PartVIISectionAGrp/PersonNm8ANICE R PROSSER
IRS990/Form990PartVIISectionAGrp/PersonNm9EDITH GRINER
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9128229
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt11ST VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt22ND VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt6VP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt7SVP MEMBER SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt8CAO/SVP ADMINISTRATION
IRS990/Form990PartVIISectionAGrp/TitleTxt9SVP PMT SYSTEMS
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IRS990/GainOrLossGrp/SecuritiesAmt062708
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt01459070
IRS990/InformationTechnologyGrp/TotalAmt01459070
IRS990/InsuranceGrp/ProgramServicesAmt0138815
IRS990/InsuranceGrp/TotalAmt0138815
IRS990/InterestGrp/ProgramServicesAmt0575311
IRS990/InterestGrp/TotalAmt0575311
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01127588
IRS990/InvestmentInJointVentureInd00
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt065968876
IRS990/IRPDocumentCnt010166
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt010264655
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IRS990/LegalDomicileStateCd0FL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0147840
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt012958917
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0MEET MEMBERS' FINANCIAL NEEDS THROUGH QUALITY SERVICE AT THE BEST VALUE WHILE MAINTAINING FINANCIAL STABILITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt026555204
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt059000
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt059000
IRS990/NetUnrelatedBusTxblIncmAmt097849
IRS990/NetUnrlzdGainsLossesInvstAmt0-310009
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt0178049
IRS990/OccupancyGrp/TotalAmt0178049
IRS990/OfficeExpensesGrp/ProgramServicesAmt0598529
IRS990/OfficeExpensesGrp/TotalAmt0598529
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt013066496
IRS990/OtherAssetsTotalGrp/EOYAmt013509322
IRS990/OtherChangesInNetAssetsAmt0-56693
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0447868
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0447868
IRS990/OtherExpensesGrp/Desc0VISA/DEBIT FEES/CHARGES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3MAINTENANCE CONTRACTS
IRS990/OtherExpensesGrp/ProgramServicesAmt02180933
IRS990/OtherExpensesGrp/ProgramServicesAmt11020463
IRS990/OtherExpensesGrp/ProgramServicesAmt2749912
IRS990/OtherExpensesGrp/ProgramServicesAmt3419703
IRS990/OtherExpensesGrp/TotalAmt02180933
IRS990/OtherExpensesGrp/TotalAmt11020463
IRS990/OtherExpensesGrp/TotalAmt2749912
IRS990/OtherExpensesGrp/TotalAmt3419703
IRS990/OtherLiabilitiesGrp/BOYAmt0240970237
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IRS990/OtherRevenueMiscGrp/BusinessCd0522100
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1210676
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt06284627
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1210676
IRS990/OtherRevenueTotalAmt06495303
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt03886593
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0170903652
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0169145302
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt041382
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IRS990/PayrollTaxesGrp/ProgramServicesAmt0348221
IRS990/PayrollTaxesGrp/TotalAmt0348221
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0143137
IRS990/PensionPlanContributionsGrp/TotalAmt0143137
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0305206
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0388976
IRS990/PrincipalOfficerNm0MR DARRYL WORRELL
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
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IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHER
IRS990/ProgramServiceRevenueGrp/Desc2NON MEMBERS ATM FEES
IRS990/ProgramServiceRevenueGrp/Desc3NON MEMBER CHECK CASHING FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08870744
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13818750
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08870744
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13818750
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2504333
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt312975
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0504333
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt112975
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01793012
IRS990/PYOtherExpensesAmt012440600
IRS990/PYOtherRevenueAmt03676237
IRS990/PYProgramServiceRevenueAmt013411492
IRS990/PYRevenuesLessExpensesAmt01132182
IRS990/PYSalariesCompEmpBnftPaidAmt05307959
IRS990/PYTotalExpensesAmt017748559
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt018880741
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt05722944
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt05697305
IRS990/ReconcilationRevenueExpnssAmt04505325
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt022416581
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt026555204
IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt03809182
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08891785
IRS990ScheduleD/EquipmentGrp/BookValueAmt01094448
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03649076
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04743524
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt04087604
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04087604
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt072643652
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1104205503
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt260953148
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt314546870
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt411482461
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CHECKING ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA/KEOGH
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES; HOWEVER, THE CONSOLIDATED SUBSIDIARY IS NOT EXEMPT. USC ACCOUNTS FOR INCOME TAXES IN ACCORDANCE WITH THE PROVISIONS OF THE INCOME TAXES TOPIC OF THE FASB ASC. THE STATEMENT REQUIRES THAT DEFERRED INCOME TAXES REFLECT TAX CONSEQUENCES ON FUTURE YEARS OF DIFFERENCES BETWEEN THE TAX BASIS OF ASSETS AND LIABILITIES AND THEIR BASIS FOR FINANCIAL REPORTING PURPOSES. IN ADDITION, THIS TOPIC REQUIRES THE RECOGNITION OF FUTURE TAX BENEFITS, SUCH AS NET OPERATING LOSS CARRY FORWARDS, TO THE EXTENT THAT REALIZATION OF SUCH BENEFITS ARE MORE LIKELY THAN NOT. DEFERRED TAXES ARE PROVIDED FOR PURPOSES OF REPORTING ON TEMPORARY DIFFERENCES BETWEEN ACCOUNTING AND TAXABLE INCOME. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE (IRS) RELEASED TECHNICAL ADVICE MEMORANDUMS TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX. UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2014, 2013, AND 2012 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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IRS990ScheduleD/TotalLiabilityAmt0263831634
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0251679
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1145634
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2126879
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount04985
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount114437
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount213303
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10

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Filings

Displayed year

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

Open filing
Assets
$303,045,242
Liabilities
$276,490,038
Net assets
$26,555,204
Revenue
$20,888,693
Expenses
$16,383,368
Net income
$4,505,325
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$840$774$66.0$60.9$57.1$3.74
2023Detailed filing. Detailed filing data is available for this year.$837$777$59.8$56.6$51.5$5.10
2022Detailed filing. Detailed filing data is available for this year.$805$753$51.9$46.1$41.5$4.59
2021Detailed filing. Detailed filing data is available for this year.$810$747$63.1$45.7$40.2$5.48
2020Detailed filing. Detailed filing data is available for this year.$716$657$58.6$43.6$40.9$2.72
2019Summary only. Only limited summary data is available for this year.$622$566$55.4$41.6$36.9$4.66
2018Detailed filing. Detailed filing data is available for this year.$581$531$50.2$37.5$32.5$5.06
2017Detailed filing. Detailed filing data is available for this year.$520$474$45.9$31.7$26.3$5.33
2016Detailed filing. Detailed filing data is available for this year.$452$413$38.6$26.2$23.7$2.45
2015Detailed filing. Detailed filing data is available for this year.$303$276$26.6$20.9$16.4$4.51
2014Detailed filing. Detailed filing data is available for this year.$276$254$22.4$18.9$17.7$1.13
2013Detailed filing. Detailed filing data is available for this year.$264$243$20.8$18.5$16.4$2.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$243$223$19.8$15.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$225$208$17.4$15.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$215$199$15.7$17.1
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $250M-$1B nonprofits