Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2017 • EIN 59-0968187

Jan 01, 2017 to Dec 31, 2017 • Filed on May 07, 2018

Organization ProfileWWW.COMMUNITYSOUTH.NET

View Organization Page

1044 Highway 90 EastChipley, FL 32428

(850) 638-8376

Siviq Scores

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

Liabilities / Assets

28th percentile

0.87x

Higher debt load relative to assets than 28% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

7th percentile

10.40x

Higher debt load relative to revenue than 7% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

28th percentile

7.1%

Higher net margin than 28% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

18th percentile

$148,309

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

41st percentile

3.2%

Faster asset growth than 41% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Revenue Growth

31st percentile

3.5%

Faster revenue growth than 31% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets28th percentile

Assets

Up

$114,384,664

Up $3,544,042 (+3.2%) from 2016

Net Assets

Up

$14,939,060

Up $515,704 (+3.6%) from 2016

Liabilities

Up

$99,445,604

Up $3,028,338 (+3.1%) from 2016

Revenue And Expenses
Liabilities / Revenue7th percentileNet Margin28th percentile

Revenue

Up

$9,558,280

Up $322,609 (+3.5%) from 2016

Expenses

Up

$8,882,472

Up $610,162 (+7.4%) from 2016

Net Income

Down

$675,808

Down $287,553 (-30%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth41st percentile

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

$300M$200M$100M$0Assets 2010: $84,998,223Liabilities 2010: $74,980,834Net Assets 2010: $10,017,3892010Assets 2011: $88,858,837Liabilities 2011: $78,701,106Net Assets 2011: $10,157,7312011Assets 2012: $92,019,806Liabilities 2012: $81,226,584Net Assets 2012: $10,793,2222012Assets 2013: $94,704,970Liabilities 2013: $83,689,197Net Assets 2013: $11,015,7732013Assets 2014: $98,833,550Liabilities 2014: $86,668,274Net Assets 2014: $12,165,2762014Assets 2015: $108,970,397Liabilities 2015: $95,418,069Net Assets 2015: $13,552,3282015Assets 2016: $110,840,622Liabilities 2016: $96,417,266Net Assets 2016: $14,423,3562016Assets 2017: $114,384,664Liabilities 2017: $99,445,604Net Assets 2017: $14,939,0602017Assets 2018: $128,994,985Liabilities 2018: $112,422,707Net Assets 2018: $16,572,2782018Assets 2019: $135,071,126Liabilities 2019: $116,901,474Net Assets 2019: $18,169,6522019Assets 2020: $161,931,375Liabilities 2020: $142,345,713Net Assets 2020: $19,585,6622020Assets 2021: $187,544,118Liabilities 2021: $166,192,745Net Assets 2021: $21,351,3732021Assets 2022: $199,432,607Liabilities 2022: $172,105,768Net Assets 2022: $27,326,8392022Assets 2023: $228,698,998Liabilities 2023: $181,393,342Net Assets 2023: $47,305,6562023Assets 2024: $234,175,641Liabilities 2024: $205,415,337Net Assets 2024: $28,760,3042024

Highlighted filing

2017

Assets$114,384,664
Liabilities$99,445,604
Net Assets$14,939,060
Open 2017 Filing

Operations Trend

Revenue Growth31st percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $5,408,5702010Expenses 2011: $5,467,4082011Expenses 2012: $5,357,6472012Revenue 2013: $6,014,667Expenses 2013: $5,594,202Net Income 2013: $420,4652013Revenue 2014: $6,904,586Expenses 2014: $5,767,438Net Income 2014: $1,137,1482014Revenue 2015: $8,232,757Expenses 2015: $6,790,338Net Income 2015: $1,442,4192015Revenue 2016: $9,235,671Expenses 2016: $8,272,310Net Income 2016: $963,3612016Revenue 2017: $9,558,280Expenses 2017: $8,882,472Net Income 2017: $675,8082017Revenue 2018: $9,038,857Expenses 2018: $7,150,134Net Income 2018: $1,888,7232018Revenue 2019: $9,567,926Expenses 2019: $7,924,334Net Income 2019: $1,643,5922019Revenue 2020: $9,540,463Expenses 2020: $7,706,703Net Income 2020: $1,833,7602020Revenue 2021: $10,136,574Expenses 2021: $8,009,845Net Income 2021: $2,126,7292021Revenue 2022: $10,944,013Expenses 2022: $7,786,574Net Income 2022: $3,157,4392022Revenue 2023: $13,820,741Expenses 2023: $12,010,181Net Income 2023: $1,810,5602023Revenue 2024: $15,593,971Expenses 2024: $14,133,784Net Income 2024: $1,460,1872024

Highlighted filing

2017

Revenue$9,558,280
Expenses$8,882,472
Net Income$675,808
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 7, 2018
Return Version
2017v2.0
Gross Receipts
$9,558,280
Mission and Program Overview

Mission

Community South is COMMITTED to building better communities by CREATING lifelong relationships and INSPIRING the financial success our of our members.

State chartered credit union offering savings, checking, certificates of deposit and loans to its membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$84,999,460$88,152,737▲ $3,153,277
Rtn Earn Endowment Incm Other Fnds$13,168,730$13,684,434▲ $515,704
Investments in Publicly Traded Securities$13,551,195$11,395,858▼ $2,155,337
Savings and Temporary Cash Investments$2,316,129$4,963,627▲ $2,647,498
Land, Buildings, and Equipment, Net$3,729,308$3,652,423▼ $76,885
Cash and Non-Interest-Bearing Accounts$1,432,586$1,571,544▲ $138,958
Pd in Cap Srpls Land Bldg Eqp Fund$1,254,626$1,254,626→ $0
Prepaid Expenses and Deferred Charges$1,153,164$896,190▼ $256,974
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0--
Investments Program Related$0--
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0--
Inventories for Sale or Use$0$0→ $0
Total Assets$110,840,622$114,384,664▲ $3,544,042
Other Assets Total$3,658,780$3,752,285▲ $93,505
Liabilities
Other Liabilities$95,709,855$98,766,097▲ $3,056,242
Accounts Payable and Accrued Expenses$707,411$679,507▼ $27,904
Unsecured Notes Loans Payable$0--
Total Liabilities$96,417,266$99,445,604▲ $3,028,338
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,423,356$14,939,060▲ $515,704
Total Liabilities and Net Assets / Fund Balance$110,840,622$114,384,664▲ $3,544,042

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,933,407$1,781,794$0
Other Land Buildings$1,218$0$0
Land$558,471-$0
Equipment$159,327$782,131$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay18th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Jan L PagePresident-CEOFT$148,309$148,309
Kenneth Ray MitchellExecutive Vice-presidentcloFT$126,616$126,616
Nina AdamsSenior Vice-president CFOFT$87,636$87,636
Rebecca SpencerVice-president of OperationsFT$69,980$69,980
Ruth GouldVice-president of ComplianceFT$61,302$61,302

Board Members and Trustees

NameTitle
Ira J CarterBoard Chairman
Thomas CookBoard Vice-chairman
Derek ChadwellBoard Member
Fred BuchananBoard Member
Jerry CampbellBoard Member
Steve WhittingtonBoard Member
William Calvin StevensonBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,339,423
Investment Income
$218,857
Other Revenue
$0
Change in Net Assets
$675,808

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,558,280
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$9,558,280
Total Revenue per Form 990
$9,558,280
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,627,213
Salaries, Compensation, and Employee Benefits$2,255,259
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,049,784
Office Expenses---$572,163
Interest---$569,405
Current Officers, Directors, Trustees, and Key Employees---$493,843
Other Employee Benefits---$445,778
Occupancy---$336,149
Other Expenses---$223,472
Advertising---$183,351
Payroll Taxes---$136,542
Pension Plan Contributions---$129,312
Travel---$77,007
Conferences and Meetings---$21,328
All Other Expenses---$15,752
Total Functional Expenses$0$0$0$8,882,472

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,882,472
Total Expenses per Audited Statements$8,882,472
Total Expenses per Form 990$8,882,472
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Member Shares$98,766,097
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
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 serves 10,436 members.”

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

“All members are eligible to vote at Annual Meetings and Special Elections.”

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

“The Form is prepared and reviewed bu separate Individuals to ensure accuracy.”

Form 990, Part VI, Section B, Line 15

“A compensation committee meets annually to approve all salaries, incentives, bonuses for credit union staff. President-CEO salary is determined by the entire Board of Directors.”

Form 990, Part VI, Section C, Line 19

“Credit Union Financial are provided upon request.”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Florida
EIN
59-0968187
Phone
8506388376
Address
1044 HIGHWAY 90 EAST, CHIPLEY, FL 32428
Doing Business As
Community South Credit Union

Signing Officer

Name
Ruth Gould
Title
Compliance Officer
Phone
8506388376
Signed
2018-05-07

Organization Details

Formed
1959
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
0
Employees
46
Volunteers
7
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Annual adjustment to other comprehensive income”

Raw XML AppendixShowing 400 of 476 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/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt9SENIOR VICE-PRESIDENT CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE-PRESIDENT OF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE-PRESIDENT OF COMPLIANCE
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IRS990/LandBldgEquipAccumDeprecAmt02563925
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03729308
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03652423
IRS990/LandBldgEquipCostOrOtherBssAmt06216348
IRS990/LegalDomicileStateCd0FL
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO ENCOURAGE THRIFT AMONG ITS MEMBERS, CREATE SOURCES OF CREDIT AT FAIR AND REASONABLE PRICES AND PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR RESOURCES ON A DEMOCRATIC BASIS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt014423356
IRS990/NetAssetsOrFundBalancesEOYAmt014939060
IRS990/NetUnrelatedBusTxblIncmAmt0130
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0336149
IRS990/OfficeExpensesGrp/TotalAmt0572163
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03658780
IRS990/OtherAssetsTotalGrp/EOYAmt03752285
IRS990/OtherChangesInNetAssetsAmt0-160104
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0445778
IRS990/OtherExpensesGrp/Desc0Provision for PLL
IRS990/OtherExpensesGrp/Desc1Loan Services
IRS990/OtherExpensesGrp/Desc2Professional and Outside Services
IRS990/OtherExpensesGrp/Desc3Loss on Disposition of Assets
IRS990/OtherExpensesGrp/TotalAmt02514354
IRS990/OtherExpensesGrp/TotalAmt1872134
IRS990/OtherExpensesGrp/TotalAmt21242098
IRS990/OtherExpensesGrp/TotalAmt3223472
IRS990/OtherLiabilitiesGrp/BOYAmt095709855
IRS990/OtherLiabilitiesGrp/EOYAmt098766097
IRS990/OtherOrganizationDsc0STATE CHARTERED CREDIT UNION
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt01049784
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt084999460
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt088152737
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0136542
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt01254626
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt01254626
IRS990/PensionPlanContributionsGrp/TotalAmt0129312
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01153164
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0896190
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0COMMUNITY SOUTH CREDIT UNION
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3522130
IRS990/ProgramServiceRevenueGrp/BusinessCd4522130
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST FROM LOANS
IRS990/ProgramServiceRevenueGrp/Desc1BROKERAGE REFERRAL FEES
IRS990/ProgramServiceRevenueGrp/Desc2SHARE DRAFDT FEES
IRS990/ProgramServiceRevenueGrp/Desc3CONSUMER LOAN PRODUCT INCOME
IRS990/ProgramServiceRevenueGrp/Desc4INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/ExclusionAmt40
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06893170
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1220078
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2821551
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3199451
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt476256
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06893170
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1220078
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2821551
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3199451
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt476256
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt40
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION OFFERS CONSUMER, REAL ESTATE AND BUSINESS LOANS TO OUR MEMBERS. IT ALSO OFFERS SECURED AND UNSECURED CREDIT CARDS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt03386488
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt06893170
IRS990/ProgSrvcAccomActy3Grp/Desc0THE CREDIT UNION MAINTAINS THREE OFFICES WITH 40 EMPLOYEES TO SERVE OUR MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt02321810
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0229894
IRS990/PYOtherExpensesAmt06090943
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt09005777
IRS990/PYRevenuesLessExpensesAmt0963361
IRS990/PYSalariesCompEmpBnftPaidAmt02181367
IRS990/PYTotalExpensesAmt08272310
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09235671
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0675808
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt02665110
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt013168730
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt013684434
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02316129
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04963627
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02933407
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01781794
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt04715201
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0159327
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0782131
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0941458
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt08882472
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0558471
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0558471
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01218
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt01218
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt098766097
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Total Member Shares
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt09558280
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03652423
IRS990ScheduleD/TotalExpensesPerForm990Amt08882472
IRS990ScheduleD/TotalLiabilityAmt098766097
IRS990ScheduleD/TotalRevenuePerForm990Amt09558280
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09558280
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08882472
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union serves 10,436 members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1All members are eligible to vote at Annual Meetings and Special Elections.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Form is prepared and reviewed bu separate Individuals to ensure accuracy.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A compensation committee meets annually to approve all salaries, incentives, bonuses for credit union staff. President-CEO salary is determined by the entire Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Credit Union Financial are provided upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ANNUAL ADJUSTMENT TO OTHER COMPREHENSIVE INCOME
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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$114,384,664
Liabilities
$99,445,604
Net assets
$14,939,060
Revenue
$9,558,280
Expenses
$8,882,472
Net income
$675,808
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$234$205$28.8$15.6$14.1$1.46
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$229$181$47.3$13.8$12.0$1.81
2022Detailed filing. Detailed filing data is available for this year.$199$172$27.3$10.9$7.79$3.16
2021Detailed filing. Detailed filing data is available for this year.$188$166$21.4$10.1$8.01$2.13
2020Detailed filing. Detailed filing data is available for this year.$162$142$19.6$9.54$7.71$1.83
2019Detailed filing. Detailed filing data is available for this year.$135$117$18.2$9.57$7.92$1.64
2018Detailed filing. Detailed filing data is available for this year.$129$112$16.6$9.04$7.15$1.89
2017Detailed filing. Detailed filing data is available for this year.$114$99.4$14.9$9.56$8.88$0.68
2016Detailed filing. Detailed filing data is available for this year.$111$96.4$14.4$9.24$8.27$0.96
2015Detailed filing. Detailed filing data is available for this year.$109$95.4$13.6$8.23$6.79$1.44
2014Detailed filing. Detailed filing data is available for this year.$98.8$86.7$12.2$6.90$5.77$1.14
2013Detailed filing. Detailed filing data is available for this year.$94.7$83.7$11.0$6.01$5.59$0.42
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$92.0$81.2$10.8$5.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$88.9$78.7$10.2$5.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$85.0$75.0$10.0$5.41