Civic Intelligence

State Chartered Credit Unions in Florida Alliance Credit Union of Florida

990 • Fiscal year 2017 • EIN 59-6134207

Jan 01, 2017 to Dec 31, 2017 • Filed on Jul 19, 2018

Organization ProfileWWW.ALLIANCECUFL.ORG

View Organization Page

412 E University AveGainesville, FL 32601

(352) 372-8225

Siviq Scores

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

Liabilities / Assets

99th percentile

0.93x

Higher debt load relative to assets than 99% of similar nonprofits.

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

Liabilities / Revenue

17th percentile

14.00x

Higher debt load relative to revenue than 17% of similar nonprofits.

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

Net Margin

19th percentile

2.0%

Higher net margin than 19% of similar nonprofits.

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

Top Officer Pay

94th percentile

$175,726

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 5.4% of source-year revenue.

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

Asset Growth

56th percentile

2.8%

Faster asset growth than 56% of similar nonprofits.

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

Revenue Growth

1st percentile

-11%

Faster revenue growth than 1% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$48,960,411

Up $1,356,271 (+2.8%) from 2016

Net Assets

Up

$3,429,667

Up $23,026 (+0.7%) from 2016

Liabilities

Up

$45,530,744

Up $1,333,245 (+3.0%) from 2016

Revenue And Expenses
Liabilities / Revenue17th percentileNet Margin19th percentile

Revenue

Down

$3,251,382

Down $411,755 (-11%) from 2016

Expenses

Down

$3,185,050

Down $571,243 (-15%) from 2016

Net Income

Up

$66,332

Up $159,488 (+171%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

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

$80M$60M$40M$20M$0Assets 2010: $49,489,237Liabilities 2010: $45,464,792Net Assets 2010: $4,024,4452010Assets 2011: $46,378,672Liabilities 2011: $42,504,327Net Assets 2011: $3,874,3452011Assets 2012: $45,257,755Liabilities 2012: $42,302,938Net Assets 2012: $2,954,8172012Assets 2013: $44,660,513Liabilities 2013: $41,540,063Net Assets 2013: $3,120,4502013Assets 2014: $43,843,758Liabilities 2014: $40,538,022Net Assets 2014: $3,305,7362014Assets 2015: $47,782,960Liabilities 2015: $44,321,962Net Assets 2015: $3,460,9982015Assets 2016: $47,604,140Liabilities 2016: $44,197,499Net Assets 2016: $3,406,6412016Assets 2017: $48,960,411Liabilities 2017: $45,530,744Net Assets 2017: $3,429,6672017Assets 2018: $48,631,023Liabilities 2018: $44,959,916Net Assets 2018: $3,671,1072018Assets 2019: $52,381,016Liabilities 2019: $48,525,423Net Assets 2019: $3,855,5932019Assets 2020: $59,451,360Liabilities 2020: $55,566,472Net Assets 2020: $3,884,8882020Assets 2021: $63,107,145Liabilities 2021: $59,285,743Net Assets 2021: $3,821,4022021Assets 2022: $65,910,131Liabilities 2022: $63,589,969Net Assets 2022: $2,320,1622022Assets 2023: $62,136,284Liabilities 2023: $60,150,273Net Assets 2023: $1,986,0112023Assets 2024: $57,599,959Liabilities 2024: $57,560,137Net Assets 2024: $39,8222024

Highlighted filing

2017

Assets$48,960,411
Liabilities$45,530,744
Net Assets$3,429,667
Open 2017 Filing

Operations Trend

Revenue Growth1st percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $3,148,7332010Expenses 2011: $3,026,0552011Expenses 2012: $3,819,2342012Revenue 2013: $3,127,032Expenses 2013: $2,938,112Net Income 2013: $188,9202013Revenue 2014: $3,597,339Expenses 2014: $3,406,174Net Income 2014: $191,1652014Revenue 2015: $4,045,711Expenses 2015: $3,894,386Net Income 2015: $151,3252015Revenue 2016: $3,663,137Expenses 2016: $3,756,293Net Income 2016: -$93,1562016Revenue 2017: $3,251,382Expenses 2017: $3,185,050Net Income 2017: $66,3322017Revenue 2018: $3,315,626Expenses 2018: $3,001,866Net Income 2018: $313,7602018Revenue 2019: $3,375,952Expenses 2019: $3,335,969Net Income 2019: $39,9832019Revenue 2020: $3,193,508Expenses 2020: $3,165,350Net Income 2020: $28,1582020Revenue 2021: $3,282,646Expenses 2021: $3,072,562Net Income 2021: $210,0842021Revenue 2022: $3,591,719Expenses 2022: $3,487,161Net Income 2022: $104,5582022Revenue 2023: $4,439,031Expenses 2023: $4,423,294Net Income 2023: $15,7372023Revenue 2024: $4,508,385Expenses 2024: $6,482,384Net Income 2024: -$1,973,9992024

Highlighted filing

2017

Revenue$3,251,382
Expenses$3,185,050
Net Income$66,332
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jul 19, 2018
Return Version
2017v2.3
Gross Receipts
$3,276,382
Mission and Program Overview

Mission

People helping people to master their financial situations, one solution at a time.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$33,657,928$32,594,515▼ $1,063,413
Savings and Temporary Cash Investments$6,377,480$7,372,761▲ $995,281
Investments Other Securities$4,759,006$6,189,104▲ $1,430,098
Rtn Earn Endowment Incm Other Fnds$3,406,641$3,429,667▲ $23,026
Land, Buildings, and Equipment, Net$1,607,045$1,528,122▼ $78,923
Cash and Non-Interest-Bearing Accounts$360,244$541,908▲ $181,664
Investments in Publicly Traded Securities$96,570$96,166▼ $404
Prepaid Expenses and Deferred Charges$109,220$73,995▼ $35,225
Accounts Receivable$28,459$21,319▼ $7,140
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$47,604,140$48,960,411▲ $1,356,271
Other Assets Total$608,188$542,521▼ $65,667
Liabilities
Other Liabilities$43,387,506$44,817,969▲ $1,430,463
Accounts Payable and Accrued Expenses$809,993$712,775▼ $97,218
Total Liabilities$44,197,499$45,530,744▲ $1,333,245
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,406,641$3,429,667▲ $23,026
Total Liabilities and Net Assets / Fund Balance$47,604,140$48,960,411▲ $1,356,271

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$733,809$633,550$1,367,359
Land$728,453-$728,453
Equipment$65,860$121,175$187,035
Other Securities$431,059--
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tim CannonCEOFT$151,908$23,818$175,726
Andrew St CroixCFOFT$49,075$4,196$53,271
Thomas StudleyFinance Manager-$13,750-$13,750

Board Members and Trustees

NameTitle
Alan R MorrowChair/director
Donna L McafeeV. Chairperson/director
Shane SappAssociate Director
Gwendolyn B DawsonDirector
John E PowerDirector
Ralph W HilliardDirector
Don McafeeDirector Emeritus
Reida SquiresSecretary/director
Timothy a GoodTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservCore Processor, Card Proc.PO BOX 300016, Duluth, GA 30096-0300$357,173
Digital InsightInternet BankingPO BOX 740641, Los Angeles, CA 90074-0641$166,050
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,115,439
Investment Income
$135,943
Other Revenue
$0
Change in Net Assets
$66,332

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,251,382
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$3,251,382
Total Revenue per Form 990
$3,251,382
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,961,955
Salaries, Compensation, and Employee Benefits$1,223,095
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$782,775
Information Technology---$410,805
Current Officers, Directors, Trustees, and Key Employees---$242,747
Office Expenses---$174,648
Depreciation Depletion---$91,481
Payroll Taxes---$82,299
Occupancy---$77,968
Other Employee Benefits---$73,647
Advertising---$71,768
Interest---$57,181
Fees for Services Legal---$45,985
Insurance---$43,349
Pension Plan Contributions---$41,627
Other Expenses---$36,316
Fees for Services Other---$34,584
Fees for Services Accounting---$34,100
All Other Expenses---$28,810
Fees for Service Investment Mgmnt Fees---$9,500
Payments to Affiliates---$8,237
Travel---$3,407
Conferences and Meetings---$1,635
Total Functional Expenses$0$0$0$3,185,050

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,185,050
Total Expenses per Audited Statements$3,185,050
Total Expenses per Form 990$3,185,050
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$20,663,740
Share Draft$11,120,774
Money Market$8,866,173
Certificates of Deposit$2,957,692
Iras$1,209,590
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
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has members.”

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

“Members of the board of directors are elected for 3 year terms by the membership of the credit union. Elections are held annually.”

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 11B

“Form 990 is reviewed by management.”

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

“The audit committee has the responsibility to review any conflict of interest disclosures.”

Form 990, Part VI, Section B, Line 15

“The compensation of the ceo is set by the board. They obtain surveys prepared by cues and cuna. The data is compared at the position level, including factors such as the number of services, number of members, and number of loans. Compensation is based on analysis of this data. The ceo and coo set compensation levels for other staff members based on analysis data obtained from surveys prepared by cues and cuna.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents are not made available 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.gov website via the quarterly 5300 filing.”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Florida
EIN
59-6134207
Phone
3523728225
Address
412 E UNIVERSITY AVE, GAINESVILLE, FL 32601

Signing Officer

Name
Timothy J Cannon
Title
CEO
Phone
3523728225
Signed
2018-07-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Timothy J Cannon
Formed
1944
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
7
Employees
28
Volunteers
7

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 XII, Line 2C

“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute (internal revenue code section 501(c)(14), from federal income tax. 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 statechartered 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 (tams) to specific state-chartered credit unions specifying the revenue sources subject to unrelated business income tax (ubit). 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 financial statements. Additionally, no interest and penalties have been recorded in the accompanying financial statements related to uncertain tax positions. Currently, the 2016, 2015 and 2014 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 483 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/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIR/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4V. CHAIRPERSON/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7ASSOCIATE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR EMERITUS
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11FINANCE MANAGER
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IRS990/Form990TFiledInd01
IRS990/FormationYr01944
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-7654
IRS990/GamingActivitiesInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GrossReceiptsAmt03276382
IRS990/GroupExemptionNum02106
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0410805
IRS990/InsuranceGrp/TotalAmt043349
IRS990/InterestGrp/TotalAmt057181
IRS990/InvestmentIncomeGrp/ExclusionAmt0143597
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0143597
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt04759006
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt06189104
IRS990/InvestmentsPubTradedSecGrp/BOYAmt096570
IRS990/InvestmentsPubTradedSecGrp/EOYAmt096166
IRS990/IRPDocumentCnt0489
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0754725
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01607045
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01528122
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IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PEOPLE HELPING PEOPLE TO MASTER THEIR FINANCIAL SITUATIONS, ONE SOLUTION AT A TIME.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt03429667
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-7654
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-7654
IRS990/NetUnrelatedBusTxblIncmAmt0-9341
IRS990/NetUnrlzdGainsLossesInvstAmt0-43306
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt077968
IRS990/OfficeExpensesGrp/TotalAmt0174648
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0608188
IRS990/OtherAssetsTotalGrp/EOYAmt0542521
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt073647
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT/CREDIT EXPENSES
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt0447672
IRS990/OtherExpensesGrp/TotalAmt1276495
IRS990/OtherExpensesGrp/TotalAmt2108014
IRS990/OtherExpensesGrp/TotalAmt336316
IRS990/OtherLiabilitiesGrp/BOYAmt043387506
IRS990/OtherLiabilitiesGrp/EOYAmt044817969
IRS990/OtherSalariesAndWagesGrp/TotalAmt0782775
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt033657928
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt032594515
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt08237
IRS990/PayrollTaxesGrp/TotalAmt082299
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt041627
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0109220
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt073995
IRS990/PrincipalOfficerNm0TIMOTHY J CANNON
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/MISC INCO
IRS990/ProgramServiceRevenueGrp/Desc2UNRELATED BUSINESS INC
IRS990/ProgramServiceRevenueGrp/Desc3UNRELATED BUSINESS INC
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02120656
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1936018
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02120656
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1936018
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt246075
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt312690
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt046075
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt112690
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt089898
IRS990/PYOtherExpensesAmt02474126
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03573239
IRS990/PYRevenuesLessExpensesAmt0-93156
IRS990/PYSalariesCompEmpBnftPaidAmt01282167
IRS990/PYTotalExpensesAmt03756293
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03663137
IRS990/ReconcilationRevenueExpnssAmt066332
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03406641
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03429667
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06377480
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07372761
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0733809
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0633550
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01367359
IRS990ScheduleD/EquipmentGrp/BookValueAmt065860
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0121175
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0187035
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03185050
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0728453
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0728453
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02957692
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt18866173
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21209590
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt311120774
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt420663740
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2IRAS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE DRAFT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4REGULAR SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt05758045
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1431059
IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENTS IN CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1SECFCU CAPITAL SHARES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt03251382
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, BY STATUTE (INTERNAL REVENUE CODE SECTION 501(C)(14), FROM FEDERAL INCOME TAX. 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 STATECHARTERED 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 (TAMS) TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). 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 FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2016, 2015 AND 2014 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:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01528122
IRS990ScheduleD/TotalBookValueSecuritiesAmt06189104
IRS990ScheduleD/TotalExpensesPerForm990Amt03185050
IRS990ScheduleD/TotalLiabilityAmt044817969
IRS990ScheduleD/TotalRevenuePerForm990Amt03251382
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03251382
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03185050
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0151908
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt113750
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt06153
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt017665
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TIM CANNON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1THOMAS STUDLEY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1FINANCE MANAGER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0175726
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt113750
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THOMAS STUDLEY RECEIVED SEVERANCE PAY FROM THE ORGANIZATION DURING 2017 IN THE AMOUNT OF $13,750.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4A
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE BOARD OF DIRECTORS ARE ELECTED FOR 3 YEAR TERMS BY THE MEMBERSHIP OF THE CREDIT UNION. ELECTIONS ARE HELD ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 IS REVIEWED BY MANAGEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE AUDIT COMMITTEE HAS THE RESPONSIBILITY TO REVIEW ANY CONFLICT OF INTEREST DISCLOSURES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE COMPENSATION OF THE CEO IS SET BY THE BOARD. THEY OBTAIN SURVEYS PREPARED BY CUES AND CUNA. THE DATA IS COMPARED AT THE POSITION LEVEL, INCLUDING FACTORS SUCH AS THE NUMBER OF SERVICES, NUMBER OF MEMBERS, AND NUMBER OF LOANS. COMPENSATION IS BASED ON ANALYSIS OF THIS DATA. THE CEO AND COO SET COMPENSATION LEVELS FOR OTHER STAFF MEMBERS BASED ON ANALYSIS DATA OBTAINED FROM SURVEYS PREPARED BY CUES AND CUNA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION'S GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE 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.GOV WEBSITE VIA THE QUARTERLY 5300 FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR.
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 A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$48,960,411
Liabilities
$45,530,744
Net assets
$3,429,667
Revenue
$3,251,382
Expenses
$3,185,050
Net income
$66,332
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.6$57.6$0.04$4.51$6.48$1.97
2023Detailed filing. Detailed filing data is available for this year.$62.1$60.2$1.99$4.44$4.42$0.02
2022Detailed filing. Detailed filing data is available for this year.$65.9$63.6$2.32$3.59$3.49$0.10
2021Detailed filing. Detailed filing data is available for this year.$63.1$59.3$3.82$3.28$3.07$0.21
2020Detailed filing. Detailed filing data is available for this year.$59.5$55.6$3.88$3.19$3.17$0.03
2019Detailed filing. Detailed filing data is available for this year.$52.4$48.5$3.86$3.38$3.34$0.04
2018Detailed filing. Detailed filing data is available for this year.$48.6$45.0$3.67$3.32$3.00$0.31
2017Detailed filing. Detailed filing data is available for this year.$49.0$45.5$3.43$3.25$3.19$0.07
2016Summary only. Only limited summary data is available for this year.$47.6$44.2$3.41$3.66$3.76$0.09
2015Detailed filing. Detailed filing data is available for this year.$47.8$44.3$3.46$4.05$3.89$0.15
2014Detailed filing. Detailed filing data is available for this year.$43.8$40.5$3.31$3.60$3.41$0.19
2013Detailed filing. Detailed filing data is available for this year.$44.7$41.5$3.12$3.13$2.94$0.19
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.3$42.3$2.95$3.82
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.4$42.5$3.87$3.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.5$45.5$4.02$3.15