Civic Intelligence

Calhoun-Liberty Employees Credit Union

990 • Fiscal year 2015 • EIN 59-0991497

Jan 01, 2015 to Dec 31, 2015 • Filed on Jul 06, 2016

Organization ProfileN/A

View Organization Page

17394 NW Charlie Johns StBlountstown, FL 32424

(850) 674-4527

Siviq Scores

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

Liabilities / Assets

40th percentile

0.87x

Higher debt load relative to assets than 40% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

38th percentile

18.63x

Higher debt load relative to revenue than 38% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

41st percentile

5.7%

Higher net margin than 41% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

24th percentile

$74,773

Higher top officer pay than 24% of similar nonprofits.

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

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

82nd percentile

7.0%

Faster asset growth than 82% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

96th percentile

17%

Faster revenue growth than 96% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets40th percentile

Assets

Up

$32,663,178

Up $2,144,159 (+7.0%) from 2014

Net Assets

Up

$4,327,379

Up $86,775 (+2.0%) from 2014

Liabilities

Up

$28,335,799

Up $2,057,384 (+7.8%) from 2014

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin41st percentile

Revenue

Up

$1,520,728

Up $225,794 (+17%) from 2014

Expenses

Up

$1,433,953

Up $186,458 (+15%) from 2014

Net Income

Up

$86,775

Up $39,336 (+83%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth82nd percentile

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

$200M$150M$100M$50M$0Assets 2010: $27,470,577Liabilities 2010: $23,246,506Net Assets 2010: $4,224,0712010Assets 2011: $27,566,879Liabilities 2011: $23,330,791Net Assets 2011: $4,236,0882011Assets 2012: $28,887,534Liabilities 2012: $24,547,298Net Assets 2012: $4,340,2362012Assets 2013: $29,727,145Liabilities 2013: $25,533,980Net Assets 2013: $4,193,1652013Assets 2014: $30,519,019Liabilities 2014: $26,278,415Net Assets 2014: $4,240,6042014Assets 2015: $32,663,178Liabilities 2015: $28,335,799Net Assets 2015: $4,327,3792015Assets 2016: $37,392,946Liabilities 2016: $32,862,459Net Assets 2016: $4,530,4872016Assets 2017: $40,023,769Liabilities 2017: $35,088,317Net Assets 2017: $4,935,4522017Assets 2018: $59,966,708Liabilities 2018: $54,682,561Net Assets 2018: $5,284,1472018Assets 2019: $62,408,141Liabilities 2019: $56,642,454Net Assets 2019: $5,765,6872019Assets 2020: $78,400,640Liabilities 2020: $72,142,136Net Assets 2020: $6,258,5042020Assets 2021: $86,884,903Liabilities 2021: $79,915,511Net Assets 2021: $6,969,3922021Assets 2022: $108,741,379Liabilities 2022: $100,593,584Net Assets 2022: $8,147,7952022Assets 2023: $123,153,567Liabilities 2023: $113,843,841Net Assets 2023: $9,309,7262023Assets 2024: $160,014,197Liabilities 2024: $143,449,807Net Assets 2024: $16,564,3902024Assets 2025: $172,198,621Liabilities 2025: $153,878,436Net Assets 2025: $18,320,1852025

Highlighted filing

2015

Assets$32,663,178
Liabilities$28,335,799
Net Assets$4,327,379
Open 2015 Filing

Operations Trend

Revenue Growth96th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $1,481,5942010Expenses 2011: $1,468,1622011Revenue 2012: $1,392,139Expenses 2012: $1,287,991Net Income 2012: $104,1482012Revenue 2013: $1,258,912Expenses 2013: $1,405,983Net Income 2013: -$147,0712013Revenue 2014: $1,294,934Expenses 2014: $1,247,495Net Income 2014: $47,4392014Revenue 2015: $1,520,728Expenses 2015: $1,433,953Net Income 2015: $86,7752015Revenue 2016: $1,905,841Expenses 2016: $1,702,733Net Income 2016: $203,1082016Revenue 2017: $2,240,697Expenses 2017: $1,835,732Net Income 2017: $404,9652017Revenue 2018: $2,703,574Expenses 2018: $2,354,879Net Income 2018: $348,6952018Revenue 2019: $3,450,769Expenses 2019: $2,969,230Net Income 2019: $481,5392019Revenue 2020: $3,826,141Expenses 2020: $3,333,449Net Income 2020: $492,6922020Revenue 2021: $4,607,880Expenses 2021: $3,896,867Net Income 2021: $711,0132021Revenue 2022: $5,518,385Expenses 2022: $4,295,862Net Income 2022: $1,222,5232022Revenue 2023: $7,862,743Expenses 2023: $6,453,998Net Income 2023: $1,408,7452023Revenue 2024: $11,490,747Expenses 2024: $10,280,070Net Income 2024: $1,210,6772024Revenue 2025: $12,584,994Expenses 2025: $10,931,570Net Income 2025: $1,653,4242025

Highlighted filing

2015

Revenue$1,520,728
Expenses$1,433,953
Net Income$86,775
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jul 6, 2016
Return Version
2015v2.1
Gross Receipts
$1,520,728
Mission and Program Overview

Mission

Credit union - to provide servies to approximately 9,145 members in the form of loans, savings, and other financial services.

Financial Services to Qualified Members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,845,070$18,075,173▲ $4,230,103
Savings and Temporary Cash Investments$14,681,610$12,403,146▼ $2,278,464
Rtn Earn Endowment Incm Other Fnds$4,240,604$4,327,379▲ $86,775
Cash and Non-Interest-Bearing Accounts$1,275,938$797,162▼ $478,776
Land, Buildings, and Equipment, Net$501,464$629,159▲ $127,695
Receivables From Officers Etc$111,568$148,159▲ $36,591
Prepaid Expenses and Deferred Charges$13,739$38,951▲ $25,212
Total Assets$30,519,019$32,663,178▲ $2,144,159
Other Assets Total$89,630$571,428▲ $481,798
Liabilities
Other Liabilities$26,273,071$28,315,111▲ $2,042,040
Accounts Payable and Accrued Expenses$5,344$20,688▲ $15,344
Total Liabilities$26,278,415$28,335,799▲ $2,057,384
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,240,604$4,327,379▲ $86,775
Total Liabilities and Net Assets / Fund Balance$30,519,019$32,663,178▲ $2,144,159

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$629,159$726,364$1,355,523
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Thomas FlowersManagerFT$74,773$74,773

Board Members and Trustees

NameTitle
Annie Joe DawsonChairwoman
Danny HassigDirector
Diane LongDirector
Ralph WhitfieldDirector
Judy FranklinSecretary
Carolyn LarkinsSupervisory Committee
Dannie BracewellSupervisory Committee
Terri WaldronSupervisory Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,366,694
Investment Income
$111,365
Other Revenue
$42,669
Change in Net Assets
$86,775

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,520,728
Total Revenue per Audited Statements
$1,520,728
Total Revenue per Form 990
$1,520,728
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$820,114
Salaries, Compensation, and Employee Benefits$588,072
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$372,516-$372,516
Information Technology-$182,586-$182,586
Other Employee Benefits-$81,086-$81,086
Current Officers, Directors, Trustees, and Key Employees-$74,773-$74,773
All Other Expenses-$66,117-$66,117
Occupancy-$63,216-$63,216
Depreciation Depletion-$61,987-$61,987
Office Expenses-$52,292-$52,292
Advertising-$41,417-$41,417
Payroll Taxes-$35,496-$35,496
Insurance-$29,709-$29,709
Fees for Services Accounting-$26,989-$26,989
Benefits to Members$25,767--$25,767
Pension Plan Contributions-$24,201-$24,201
Travel-$15,327-$15,327
Fees for Services Legal-$11,737-$11,737
Other Expenses-$9,661-$9,661
Conferences and Meetings-$4,743-$4,743
Total Functional Expenses$25,767$1,408,186$0$1,433,953

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,433,953
Total Expenses per Audited Statements$1,433,953
Total Expenses per Form 990$1,433,953
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$111,568$148,159▲ $36,591
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Shares$16,102,546
Share Drafts$7,457,041
Share Certificates$3,053,230
IRA/Keogh/Retirement Acct$1,494,233
Business Share Drafts$208,061
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Calhoun-Liberty Employees Credit Union
EIN
59-0991497
Phone
8506744527
Address
17394 NW Charlie Johns St, Blountstown, FL 32424

Signing Officer

Name
Thomas Flowers
Title
Manager
Phone
8506744527
Signed
2016-07-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Thomas Flowers
Formed
1957
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
0
Employees
15
Volunteers
0

Preparer

Firm
Frank (bud) Guilford Jr CPA
Address
P O BOX 695, BLOUNTSTOWN, FL 32424
Preparer
Frank Guilford Jr CPA
Phone
8506745091
Supplemental Narrative

Additional Explanations

Pt VI, Line 10B

“The activities of the branch office located in Bristol, FL are consistent with the policies and procedures of the main office located in Blountstown, FL”

Pt VI, Line 11B

“No review was or will be conducted”

Pt VI, Line 19

“Information related to the Credit Union's governing documents and financial statements are made available to the public upon request”

Raw XML AppendixShowing 400 of 441 raw XML fields

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

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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3189537
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt030531
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0124424
IRS990/PYOtherExpensesAmt0633531
IRS990/PYOtherRevenueAmt031563
IRS990/PYProgramServiceRevenueAmt01138947
IRS990/PYRevenuesLessExpensesAmt047439
IRS990/PYSalariesCompEmpBnftPaidAmt0583433
IRS990/PYTotalExpensesAmt01247495
IRS990/PYTotalRevenueAmt01294934
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0111568
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0148159
IRS990/ReconcilationRevenueExpnssAmt086775
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04240604
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04327379
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014681610
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012403146
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0629159
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0726364
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01355523
IRS990ScheduleD/ExpensesSubtotalAmt01433953
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt016102546
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt17457041
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt23053230
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31494233
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4208061
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Other Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Share Drafts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA/Keogh/Retirement Acct
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Business Share Drafts
IRS990ScheduleD/RevenueSubtotalAmt01520728
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0629159
IRS990ScheduleD/TotalExpensesPerForm990Amt01433953
IRS990ScheduleD/TotalLiabilityAmt028315111
IRS990ScheduleD/TotalRevenuePerForm990Amt01520728
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01520728
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01433953
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt015358
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt122103
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt226548
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt38174
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt410000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt519318
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt632219
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt714439
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1CD Secured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Unsecured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Real Estate
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7Line of Credit
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt017700
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt122103
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt227569
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt310000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt410000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt520000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt634000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt710000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0THOMAS FLOWERS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1THOMAS FLOWERS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2THOMAS FLOWERS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3DIANE LONG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4RALPH WHITFIELD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5THOMAS FLOWERS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6DANNY HASSIG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7DANNY HASSIG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Manager
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Manager
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Manager
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Manager
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/TotalBalanceDueAmt0148159
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The activities of the branch office located in Bristol, FL are consistent with the policies and procedures of the main office located in Blountstown, FL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1No review was or will be conducted
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Information related to the Credit Union's governing documents and financial statements are made available to the public upon request
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 10b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt030519019
IRS990/TotalAssetsEOYAmt032663178
IRS990/TotalAssetsGrp/BOYAmt030519019
IRS990/TotalAssetsGrp/EOYAmt032663178
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt01408186
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt025767
IRS990/TotalFunctionalExpensesGrp/TotalAmt01433953
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt026278415
IRS990/TotalLiabilitiesEOYAmt028335799
IRS990/TotalLiabilitiesGrp/BOYAmt026278415
IRS990/TotalLiabilitiesGrp/EOYAmt028335799
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04240604
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04327379
IRS990/TotalProgramServiceExpensesAmt025767
IRS990/TotalProgramServiceRevenueAmt01366694
IRS990/TotalReportableCompFromOrgAmt074773
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01520728
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01520728
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt030519019
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt032663178

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$32,663,178
Liabilities
$28,335,799
Net assets
$4,327,379
Revenue
$1,520,728
Expenses
$1,433,953
Net income
$86,775
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$172$154$18.3$12.6$10.9$1.65
2024Detailed filing. Detailed filing data is available for this year.$160$143$16.6$11.5$10.3$1.21
2023Detailed filing. Detailed filing data is available for this year.$123$114$9.31$7.86$6.45$1.41
2022Detailed filing. Detailed filing data is available for this year.$109$101$8.15$5.52$4.30$1.22
2021Detailed filing. Detailed filing data is available for this year.$86.9$79.9$6.97$4.61$3.90$0.71
2020Detailed filing. Detailed filing data is available for this year.$78.4$72.1$6.26$3.83$3.33$0.49
2019Detailed filing. Detailed filing data is available for this year.$62.4$56.6$5.77$3.45$2.97$0.48
2018Detailed filing. Detailed filing data is available for this year.$60.0$54.7$5.28$2.70$2.35$0.35
2017Detailed filing. Detailed filing data is available for this year.$40.0$35.1$4.94$2.24$1.84$0.40
2016Detailed filing. Detailed filing data is available for this year.$37.4$32.9$4.53$1.91$1.70$0.20
2015Detailed filing. Detailed filing data is available for this year.$32.7$28.3$4.33$1.52$1.43$0.09
2014Detailed filing. Detailed filing data is available for this year.$30.5$26.3$4.24$1.29$1.25$0.05
2013Detailed filing. Detailed filing data is available for this year.$29.7$25.5$4.19$1.26$1.41$0.15
2012Summary only. Only limited summary data is available for this year.$28.9$24.5$4.34$1.39$1.29$0.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.6$23.3$4.24$1.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.5$23.2$4.22$1.48