Civic Intelligence

Kentucky Employees Credit Union

990 • Fiscal year 2023 • EIN 61-0245487

Jan 01, 2023 to Dec 31, 2023 • Filed on May 06, 2024

Organization Profilewww.expree.org

View Organization Page

100 Moore DriveFrankfort, KY 40601

(502) 564-5597

Siviq Scores

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

Liabilities / Assets

56th percentile

0.89x

Higher debt load relative to assets than 56% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2023

Liabilities / Revenue

15th percentile

12.57x

Higher debt load relative to revenue than 15% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2023

Net Margin

56th percentile

15%

Higher net margin than 56% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2023

Top Officer Pay

92nd percentile

$259,297

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 3.7% of source-year revenue.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2023

Asset Growth

88th percentile

6.4%

Faster asset growth than 88% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2022 to 2023

Revenue Growth

50th percentile

21%

Faster revenue growth than 50% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$98,510,915

Up $5,929,320 (+6.4%) from 2022

Net Assets

Up

$10,676,109

Up $1,093,778 (+11%) from 2022

Liabilities

Up

$87,834,806

Up $4,835,542 (+5.8%) from 2022

Revenue And Expenses
Liabilities / Revenue15th percentileNet Margin56th percentile

Revenue

Up

$6,987,085

Up $1,194,893 (+21%) from 2022

Expenses

Up

$5,920,560

Up $1,276,629 (+27%) from 2022

Net Income

Down

$1,066,525

Down $81,736 (-7.1%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth88th percentile

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

$150M$100M$50M$0Assets 2010: $57,072,961Liabilities 2010: $51,598,309Net Assets 2010: $5,474,6522010Assets 2011: $59,215,419Liabilities 2011: $53,255,358Net Assets 2011: $5,960,0612011Assets 2012: $61,180,789Liabilities 2012: $54,817,063Net Assets 2012: $6,363,7262012Assets 2013: $61,861,124Liabilities 2013: $55,008,363Net Assets 2013: $6,852,7612013Assets 2014: $68,214,567Liabilities 2014: $60,749,208Net Assets 2014: $7,465,3592014Assets 2015: $74,585,155Liabilities 2015: $66,891,701Net Assets 2015: $7,693,4542015Assets 2016: $74,674,479Liabilities 2016: $66,879,774Net Assets 2016: $7,794,7052016Assets 2017: $75,883,891Liabilities 2017: $67,763,296Net Assets 2017: $8,120,5952017Assets 2018: $75,805,923Liabilities 2018: $67,720,131Net Assets 2018: $8,085,7922018Assets 2019: $81,243,097Liabilities 2019: $72,938,906Net Assets 2019: $8,304,1912019Assets 2020: $88,601,451Liabilities 2020: $80,736,964Net Assets 2020: $7,864,4872020Assets 2021: $92,438,719Liabilities 2021: $83,834,190Net Assets 2021: $8,604,5292021Assets 2022: $92,581,595Liabilities 2022: $82,999,264Net Assets 2022: $9,582,3312022Assets 2023: $98,510,915Liabilities 2023: $87,834,806Net Assets 2023: $10,676,1092023Assets 2024: $104,580,209Liabilities 2024: $92,860,348Net Assets 2024: $11,719,8612024

Highlighted filing

2023

Assets$98,510,915
Liabilities$87,834,806
Net Assets$10,676,109
Open 2023 Filing

Operations Trend

Revenue Growth50th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $3,473,4702010Expenses 2011: $3,448,7922011Expenses 2012: $3,448,1442012Revenue 2013: $3,768,641Expenses 2013: $3,279,606Net Income 2013: $489,0352013Revenue 2014: $3,907,445Expenses 2014: $3,513,399Net Income 2014: $394,0462014Revenue 2015: $4,326,078Expenses 2015: $4,075,101Net Income 2015: $250,9772015Revenue 2016: $4,729,110Expenses 2016: $4,687,935Net Income 2016: $41,1752016Revenue 2017: $4,715,015Expenses 2017: $4,423,552Net Income 2017: $291,4632017Revenue 2018: $5,051,732Expenses 2018: $4,987,444Net Income 2018: $64,2882018Revenue 2019: $5,492,764Expenses 2019: $5,352,235Net Income 2019: $140,5292019Revenue 2020: $5,062,580Expenses 2020: $5,565,932Net Income 2020: -$503,3522020Revenue 2021: $5,605,041Expenses 2021: $4,771,152Net Income 2021: $833,8892021Revenue 2022: $5,792,192Expenses 2022: $4,643,931Net Income 2022: $1,148,2612022Revenue 2023: $6,987,085Expenses 2023: $5,920,560Net Income 2023: $1,066,5252023Revenue 2024: $8,018,412Expenses 2024: $6,954,774Net Income 2024: $1,063,6382024

Highlighted filing

2023

Revenue$6,987,085
Expenses$5,920,560
Net Income$1,066,525
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
May 6, 2024
Return Version
2023v5.0
Gross Receipts
$6,987,085
Mission and Program Overview

Mission

To pay at or above market rates for savings and at or below market rates for lending while offering efficient services desired by the membership.

Expree Credit Union is a financial institution cooperative organized to provide loan and deposit products and services to its member owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$68,213,197$79,597,325▲ $11,384,128
Rtn Earn Endowment Incm Other Fnds$9,582,331$10,676,109▲ $1,093,778
Investments Program Related$14,466,403$8,752,652▼ $5,713,751
Savings and Temporary Cash Investments$3,196,256$2,798,210▼ $398,046
Land, Buildings, and Equipment, Net$1,866,052$2,053,853▲ $187,801
Prepaid Expenses and Deferred Charges$1,084,238$1,256,541▲ $172,303
Cash and Non-Interest-Bearing Accounts$573,767$389,814▼ $183,953
Accounts Receivable$15,385$33,161▲ $17,776
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$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
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$92,581,595$98,510,915▲ $5,929,320
Other Assets Total$3,166,297$3,629,359▲ $463,062
Liabilities
Other Liabilities$81,446,499$84,897,256▲ $3,450,757
Mortgage Notes Payable Secured by Investment Property$766,271$2,320,335▲ $1,554,064
Accounts Payable and Accrued Expenses$786,494$617,215▼ $169,279
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$82,999,264$87,834,806▲ $4,835,542
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,582,331$10,676,109▲ $1,093,778
Total Liabilities and Net Assets / Fund Balance$92,581,595$98,510,915▲ $5,929,320

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$896,707$1,423,043$2,319,750
Equipment$273,661$709,593$983,254
Land$883,485-$883,485
Investment Program Related Org$749,097--
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
John GrahamPresident / Chief Executive OfficerFT$201,724$57,575$259,299
Myron MooreChief Compliance OfficerFT$115,899$31,651$147,550
Brandon CheakChief Lending OfficerFT$98,433$18,887$117,320

Board Members and Trustees

NameTitle
Paul RoyceChairman of Board
Ashley MixsonVice Chairperson of Board
James MasonDirector
Jay DoudsDirector
Kathy WhitlockDirector
Mary BaileyDirector
Scott McKenzieDirector
Singer BuchananSecretary of Board
Dr Abdul TurayTreasurer of Board
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,578,832
Investment Income
$408,253
Other Revenue
$0
Change in Net Assets
$1,066,525

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,987,085
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$6,987,085
Total Revenue per Form 990
$6,987,085
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,891,805
Salaries, Compensation, and Employee Benefits$2,028,755
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$1,317,042$0$0$1,317,042
Other Salaries and Wages$894,007$262,659$0$1,156,666
Information Technology$444,706$0$0$444,706
Current Officers, Directors, Trustees, and Key Employees$52,384$388,542$0$440,926
Other Employee Benefits$107,754$113,644$0$221,398
Advertising$214,522$0$0$214,522
Occupancy$126,027$14,003$0$140,030
Payroll Taxes$73,298$50,435$0$123,733
Office Expenses$114,748$0$0$114,748
Depreciation Depletion$94,099$6,067$0$100,166
Pension Plan Contributions$50,964$35,068$0$86,032
Fees for Services Other$0$47,456$0$47,456
Conferences and Meetings$45,049$0$0$45,049
Fees for Services Accounting$11,723$23,059$0$34,782
Fees for Services Management$0$33,861$0$33,861
Insurance$29,606$3,290$0$32,896
Fees for Service Investment Mgmnt Fees$0$30,709$0$30,709
All Other Expenses$27,648$0$0$27,648
Other Expenses$0$12,155$0$12,155
Total Functional Expenses$4,899,612$1,020,948$0$5,920,560

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,920,560
Total Expenses per Audited Statements$5,920,560
Total Expenses per Form 990$5,920,560
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
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
Members share certificates$34,443,899
Members share savings$27,483,021
Members draft checking$11,055,919
Members money market savings$6,254,359
Nonmember share certificates$4,618,000
Members IRA certificates$741,489
Members IRA savings$300,569
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 35% controlled entity
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
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

“All credit unions by charter are member owned.”

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

“All of the governing body is elected by the membership.”

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

“The 990 is reviewed by management and the Board of Directors prior to submission”

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

“The conflict of interest policy is reviewed by the employees and the Board of Directors annually.”

Form 990, Part VI, Section B, Line 15

“Compensation of key employees is approved by the Board of Directors. Independent compensation surveys are utilized as a tool in setting compensation levels.”

Form 990, Part VI, Section C, Line 19

“The governing documents, conflict of interest policy, and financial documents are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Expree Credit Union
EIN
61-0245487
Phone
5025645597
Address
100 Moore Drive, Frankfort, KY 40601

Signing Officer

Name
John Graham
Title
Chief Executive Officer
Phone
5025645597
Signed
2024-05-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Graham
Formed
1938
Legal Domicile
Ky
Voting Board Members
9
Independent Board Members
9
Employees
31
Volunteers
14

Preparer

Firm
Schmidt & Associates
Address
P O Box 2588, Columbus, OH 43216
Preparer
Melissa Schmidt
Phone
6145291640
Raw XML AppendixShowing 400 of 688 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/PersonNm3Paul Royce
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IRS990/Form990PartVIISectionAGrp/PersonNm10Mary Bailey
IRS990/Form990PartVIISectionAGrp/PersonNm11Scott McKenzie
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2104768
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0President / Chief Executive Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chief Compliance Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chief Lending Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Chairman of Board
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice Chairperson of Board
IRS990/Form990PartVIISectionAGrp/TitleTxt5Treasurer of Board
IRS990/Form990PartVIISectionAGrp/TitleTxt6Secretary of Board
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01938
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantAmt00
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/GrossReceiptsAmt06987085
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt0444706
IRS990/InformationTechnologyGrp/TotalAmt0444706
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt03290
IRS990/InsuranceGrp/ProgramServicesAmt029606
IRS990/InsuranceGrp/TotalAmt032896
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt01317042
IRS990/InterestGrp/TotalAmt01317042
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0408253
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0408253
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt014466403
IRS990/InvestmentsProgramRelatedGrp/EOYAmt08752652
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt01176
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02132636
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01866052
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02053853
IRS990/LandBldgEquipCostOrOtherBssAmt04186489
IRS990/LegalDomicileStateCd0KY
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Expree Credit Union is dedicated to providing hand crafted solutions for all your financial needs.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt0766271
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt02320335
IRS990/NetAssetsOrFundBalancesBOYAmt09582331
IRS990/NetAssetsOrFundBalancesEOYAmt010676109
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt027253
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt014003
IRS990/OccupancyGrp/ProgramServicesAmt0126027
IRS990/OccupancyGrp/TotalAmt0140030
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt0114748
IRS990/OfficeExpensesGrp/TotalAmt0114748
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03166297
IRS990/OtherAssetsTotalGrp/EOYAmt03629359
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0113644
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0107754
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0221398
IRS990/OtherExpensesGrp/Desc0Share servicing (ATM, debit, draft)
IRS990/OtherExpensesGrp/Desc1Loan servicing (credit card, dealer, collections)
IRS990/OtherExpensesGrp/Desc2Regulators
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt212155
IRS990/OtherExpensesGrp/ProgramServicesAmt0604699
IRS990/OtherExpensesGrp/ProgramServicesAmt1691336
IRS990/OtherExpensesGrp/ProgramServicesAmt20
IRS990/OtherExpensesGrp/TotalAmt0604699
IRS990/OtherExpensesGrp/TotalAmt1691336
IRS990/OtherExpensesGrp/TotalAmt212155
IRS990/OtherLiabilitiesGrp/BOYAmt081446499
IRS990/OtherLiabilitiesGrp/EOYAmt084897256
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0262659
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0894007
IRS990/OtherSalariesAndWagesGrp/TotalAmt01156666
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt068213197
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt079597325
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt050435
IRS990/PayrollTaxesGrp/ProgramServicesAmt073298
IRS990/PayrollTaxesGrp/TotalAmt0123733
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt035068
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt050964
IRS990/PensionPlanContributionsGrp/TotalAmt086032
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01084238
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01256541
IRS990/PrincipalOfficerNm0John Graham
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans to members
IRS990/ProgramServiceRevenueGrp/Desc1Fees to members
IRS990/ProgramServiceRevenueGrp/Desc2ATM surcharges to nonmembers
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04674296
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11902028
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04674296
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11902028
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22508
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt22508
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0258572
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00

Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$98,510,915
Liabilities
$87,834,806
Net assets
$10,676,109
Revenue
$6,987,085
Expenses
$5,920,560
Net income
$1,066,525
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$105$92.9$11.7$8.02$6.95$1.06
2023Detailed filing. Detailed filing data is available for this year.$98.5$87.8$10.7$6.99$5.92$1.07
2022Detailed filing. Detailed filing data is available for this year.$92.6$83.0$9.58$5.79$4.64$1.15
2021Detailed filing. Detailed filing data is available for this year.$92.4$83.8$8.60$5.61$4.77$0.83
2020Detailed filing. Detailed filing data is available for this year.$88.6$80.7$7.86$5.06$5.57$0.50
2019Summary only. Only limited summary data is available for this year.$81.2$72.9$8.30$5.49$5.35$0.14
2018Detailed filing. Detailed filing data is available for this year.$75.8$67.7$8.09$5.05$4.99$0.06
2017Detailed filing. Detailed filing data is available for this year.$75.9$67.8$8.12$4.72$4.42$0.29
2016Detailed filing. Detailed filing data is available for this year.$74.7$66.9$7.79$4.73$4.69$0.04
2015Detailed filing. Detailed filing data is available for this year.$74.6$66.9$7.69$4.33$4.08$0.25
2014Detailed filing. Detailed filing data is available for this year.$68.2$60.7$7.47$3.91$3.51$0.39
2013Detailed filing. Detailed filing data is available for this year.$61.9$55.0$6.85$3.77$3.28$0.49
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.2$54.8$6.36$3.45
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$59.2$53.3$5.96$3.45
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.1$51.6$5.47$3.47