Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2017 • EIN 59-3204467

Jan 01, 2017 to Dec 31, 2017 • Filed on Mar 08, 2018

Organization Profilewww.gulfstatescu.org

View Organization Page

9405 S Highway 17-92Maitland, FL 32794-5110

(407) 831-8844

Siviq Scores

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

Liabilities / Assets

26th percentile

0.85x

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

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Liabilities / Revenue

34th percentile

17.70x

Higher debt load relative to revenue than 34% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Net Margin

43rd percentile

7.5%

Higher net margin than 43% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Top Officer Pay

38th percentile

$89,219

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 6.3% of source-year revenue.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Asset Growth

58th percentile

3.1%

Faster asset growth than 58% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Revenue Growth

9th percentile

-2.7%

Faster revenue growth than 9% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets26th percentile

Assets

Up

$29,658,716

Up $891,885 (+3.1%) from 2016

Net Assets

Up

$4,475,186

Up $106,303 (+2.4%) from 2016

Liabilities

Up

$25,183,530

Up $785,582 (+3.2%) from 2016

Revenue And Expenses
Liabilities / Revenue34th percentileNet Margin43rd percentile

Revenue

Down

$1,423,140

Down $39,503 (-2.7%) from 2016

Expenses

Up

$1,316,837

Up $14,278 (+1.1%) from 2016

Net Income

Down

$106,303

Down $53,781 (-34%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth58th percentile

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

$40M$30M$20M$10M$0Assets 2010: $23,409,616Liabilities 2010: $19,747,456Net Assets 2010: $3,662,1602010Assets 2011: $23,753,253Liabilities 2011: $20,035,656Net Assets 2011: $3,717,5972011Assets 2012: $25,256,488Liabilities 2012: $21,468,313Net Assets 2012: $3,788,1752012Assets 2013: $25,701,261Liabilities 2013: $21,801,831Net Assets 2013: $3,899,4302013Assets 2014: $28,056,964Liabilities 2014: $24,037,259Net Assets 2014: $4,019,7052014Assets 2015: $27,582,078Liabilities 2015: $23,373,279Net Assets 2015: $4,208,7992015Assets 2016: $28,766,831Liabilities 2016: $24,397,948Net Assets 2016: $4,368,8832016Assets 2017: $29,658,716Liabilities 2017: $25,183,530Net Assets 2017: $4,475,1862017Assets 2018: $29,935,786Liabilities 2018: $25,259,412Net Assets 2018: $4,676,3742018Assets 2019: $29,111,849Liabilities 2019: $24,293,051Net Assets 2019: $4,818,7982019Assets 2020: $34,942,736Liabilities 2020: $30,034,957Net Assets 2020: $4,907,7792020Assets 2021: $37,338,630Liabilities 2021: $32,417,219Net Assets 2021: $4,921,4112021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2017

Assets$29,658,716
Liabilities$25,183,530
Net Assets$4,475,186
Open 2017 Filing

Operations Trend

Revenue Growth9th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,361,7222010Revenue 2011: $1,375,880Expenses 2011: $1,320,443Net Income 2011: $55,4372011Expenses 2012: $1,343,3052012Revenue 2013: $1,386,866Expenses 2013: $1,275,611Net Income 2013: $111,2552013Revenue 2014: $1,397,106Expenses 2014: $1,276,831Net Income 2014: $120,2752014Revenue 2015: $1,508,931Expenses 2015: $1,319,837Net Income 2015: $189,0942015Revenue 2016: $1,462,643Expenses 2016: $1,302,559Net Income 2016: $160,0842016Revenue 2017: $1,423,140Expenses 2017: $1,316,837Net Income 2017: $106,3032017Revenue 2018: $1,556,277Expenses 2018: $1,355,089Net Income 2018: $201,1882018Revenue 2019: $1,500,785Expenses 2019: $1,358,361Net Income 2019: $142,4242019Revenue 2020: $1,331,163Expenses 2020: $1,242,182Net Income 2020: $88,9812020Revenue 2021: $1,084,018Expenses 2021: $1,070,386Net Income 2021: $13,6322021Revenue 2022: $78,492Expenses 2022: $81,746Net Income 2022: -$3,2542022

Highlighted filing

2017

Revenue$1,423,140
Expenses$1,316,837
Net Income$106,303
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Mar 8, 2018
Return Version
2017v2.0
Gross Receipts
$1,423,140
Mission and Program Overview

Mission

To provide financial education for members

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$13,825,120$14,760,230▲ $935,110
Other Notes and Loans Receivable, Net$13,079,857$13,088,378▲ $8,521
Rtn Earn Endowment Incm Other Fnds$4,368,883$4,475,186▲ $106,303
Land, Buildings, and Equipment, Net$815,044$792,622▼ $22,422
Cash and Non-Interest-Bearing Accounts$402,838$387,488▼ $15,350
Investments Program Related$313,571$300,192▼ $13,379
Receivables From Officers Etc$181,539$99,097▼ $82,442
Prepaid Expenses and Deferred Charges$50,210$51,934▲ $1,724
Accounts Receivable$-5,447$44,703▲ $50,150
Savings and Temporary Cash Investments$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Total Assets$28,766,831$29,658,716▲ $891,885
Other Assets Total$104,099$134,072▲ $29,973
Liabilities
Other Liabilities$24,238,305$24,991,241▲ $752,936
Accounts Payable and Accrued Expenses$128,394$162,181▲ $33,787
Escrow Account Liability$31,249$30,108▼ $1,141
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$24,397,948$25,183,530▲ $785,582
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,368,883$4,475,186▲ $106,303
Total Liabilities and Net Assets / Fund Balance$28,766,831$29,658,716▲ $891,885

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$301,298$475,518$0
Other Land Buildings$0$0$0
Land$458,000-$0
Equipment$33,324$343,947$0
Leasehold Improvements$0$0$0
Financial Derivatives$14,760,230--
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Gary TeramaePresidentFT$89,219$89,219
Joan PowellVice PresidentFT$46,375$46,375
Iry SantiagoVice PresidentFT$43,743$43,743
Sandra GilkersonVice PresidentFT$41,512$41,512
Susan UflandVice PresidentFT$24,545$24,545

Board Members and Trustees

NameTitle
Richard FerlazzoChairman
Colin Galloway1st Vice Chair
Patty Daoust2nd Vice Chair
David CaylorDirector
E Daniel SwansonDirector
H Hunt EmoryDirector
King W HalikmanSecretary
Philip C GordonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$852,027
Investment Income
$175,360
Other Revenue
$395,753
Change in Net Assets
$106,303
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$710,752
Salaries, Compensation, and Employee Benefits$606,085
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$0$254,481$0$254,481
Other Salaries and Wages$0$207,847$0$207,847
Office Expenses$0$112,012$0$112,012
Fees for Services Accounting$0$101,675$0$101,675
Occupancy$0$99,372$0$99,372
Fees for Services Other$0$75,829$0$75,829
Other Employee Benefits$0$73,383$0$73,383
Depreciation Depletion$0$44,786$0$44,786
Payroll Taxes$0$35,862$0$35,862
Pension Plan Contributions$0$34,512$0$34,512
Other Expenses$0$31,100$0$31,100
Advertising$0$23,000$0$23,000
Insurance$0$20,921$0$20,921
Fees for Services Legal$0$6,137$0$6,137
Conferences and Meetings$0$5,567$0$5,567
Total Functional Expenses$0$1,316,837$0$1,316,837
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$181,539$99,097▼ $82,442
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$24,991,241
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
No
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

“Any person that opens an account with the credit union becomes a member”

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

“Members can vote to elect Board Members”

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

“Form 990 is reviewed by the President”

Form 990, Part VI, Section B, Line 15

“Board of Directors decides compensation for the President”

Form 990, Part VI, Section C, Line 19

“Upon request”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Florida
EIN
59-3204467
Phone
4078318844
Address
9405 S HIGHWAY 17-92, MAITLAND, FL 32794-5110
Doing Business As
Gulf States Credit Union

Signing Officer

Name
Iry Santiago
Title
Controller
Phone
4078318844
Signed
2018-03-08

Organization Details

Principal Officer
Gary E Teramae
Formed
1960
Legal Domicile
Fl
Voting Board Members
8
Independent Board Members
8
Employees
18
Volunteers
8
Supplemental Narrative

Financial Statement Notes

Schedule D, Part IV, Line 1B

“Escrow Accounts for the payments of taxes and insurance for mortgages”

Schedule D, Part IV, Line 2B

“Escrow Accounts for the payment of taxes and insurance for mortgages”

Raw XML AppendixShowing 400 of 634 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/PersonNm0King W Halikman
IRS990/Form990PartVIISectionAGrp/PersonNm1H Hunt Emory
IRS990/Form990PartVIISectionAGrp/PersonNm2Richard Ferlazzo
IRS990/Form990PartVIISectionAGrp/PersonNm3Colin Galloway
IRS990/Form990PartVIISectionAGrp/PersonNm4David Caylor
IRS990/Form990PartVIISectionAGrp/PersonNm5Philip C Gordon
IRS990/Form990PartVIISectionAGrp/PersonNm6E Daniel Swanson
IRS990/Form990PartVIISectionAGrp/PersonNm7Gary Teramae
IRS990/Form990PartVIISectionAGrp/PersonNm8Patty Daoust
IRS990/Form990PartVIISectionAGrp/PersonNm9Sandra Gilkerson
IRS990/Form990PartVIISectionAGrp/PersonNm10Iry Santiago
IRS990/Form990PartVIISectionAGrp/PersonNm11Joan Powell
IRS990/Form990PartVIISectionAGrp/PersonNm12Susan Ufland
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt31st Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7President
IRS990/Form990PartVIISectionAGrp/TitleTxt82nd Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt9Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt10Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt11Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt12Vice President
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01960
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-13416
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0-13416
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt01423140
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt00
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt00
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt020921
IRS990/InsuranceGrp/ProgramServicesAmt00
IRS990/InsuranceGrp/TotalAmt020921
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0188776
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0188776
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt013825120
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt014760230
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0313571
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0300192
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt03
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0819465
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0815044
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0792622
IRS990/LandBldgEquipCostOrOtherBssAmt01612087
IRS990/LegalDomicileStateCd0FL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt00
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0To provide financial education for members
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt04368883
IRS990/NetAssetsOrFundBalancesEOYAmt04475186
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-13416
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-13416
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt099372
IRS990/OccupancyGrp/ProgramServicesAmt00
IRS990/OccupancyGrp/TotalAmt099372
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0112012
IRS990/OfficeExpensesGrp/ProgramServicesAmt00
IRS990/OfficeExpensesGrp/TotalAmt0112012
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0104099
IRS990/OtherAssetsTotalGrp/EOYAmt0134072
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt073383
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt073383
IRS990/OtherExpensesGrp/Desc0Member Dividends
IRS990/OtherExpensesGrp/Desc1Loan Services
IRS990/OtherExpensesGrp/Desc2Provision for Loan Loss
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt041073
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1149280
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt231100
IRS990/OtherExpensesGrp/ProgramServicesAmt00
IRS990/OtherExpensesGrp/ProgramServicesAmt10
IRS990/OtherExpensesGrp/ProgramServicesAmt20
IRS990/OtherExpensesGrp/TotalAmt041073
IRS990/OtherExpensesGrp/TotalAmt1149280
IRS990/OtherExpensesGrp/TotalAmt231100
IRS990/OtherLiabilitiesGrp/BOYAmt024238305
IRS990/OtherLiabilitiesGrp/EOYAmt024991241
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/Desc0Fees and Charges
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0395753
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0395753
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueTotalAmt0395753
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0207847
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0207847
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt013079857
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt013088378
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt035862
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt035862
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt034512
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt034512
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt050210
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt051934
IRS990/PrincipalOfficerNm0Gary E Teramae
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0852027
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0852027
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgSrvcAccomActy2Grp/Desc0To Provide Financial Education for Members

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$29,658,716
Liabilities
$25,183,530
Net assets
$4,475,186
Revenue
$1,423,140
Expenses
$1,316,837
Net income
$106,303
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$0.08$0.08$0.00
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.3$32.4$4.92$1.08$1.07$0.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.9$30.0$4.91$1.33$1.24$0.09
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.1$24.3$4.82$1.50$1.36$0.14
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.9$25.3$4.68$1.56$1.36$0.20
2017Detailed filing. Detailed filing data is available for this year.$29.7$25.2$4.48$1.42$1.32$0.11
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.8$24.4$4.37$1.46$1.30$0.16
2015Detailed filing. Detailed filing data is available for this year.$27.6$23.4$4.21$1.51$1.32$0.19
2014Detailed filing. Detailed filing data is available for this year.$28.1$24.0$4.02$1.40$1.28$0.12
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.7$21.8$3.90$1.39$1.28$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.3$21.5$3.79$1.34
2011Summary only. Only limited summary data is available for this year.$23.8$20.0$3.72$1.38$1.32$0.06
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.4$19.7$3.66$1.36