Civic Intelligence

Beacon Community Credit Union

990 • Fiscal year 2013 • EIN 61-0606766

Jan 01, 2013 to Dec 31, 2013 • Filed on May 05, 2014

Organization Profilewww.beaconccu.org

View Organization Page

7910 National Turnpike40214

(502) 366-6022

Siviq Scores

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

Liabilities / Assets

54th percentile

0.89x

Higher debt load relative to assets than 54% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

19th percentile

14.58x

Higher debt load relative to revenue than 19% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

92nd percentile

20%

Higher net margin than 92% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

85th percentile

$129,351

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 4.3% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

54th percentile

2.3%

Faster asset growth than 54% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets54th percentile

Assets

Up

$49,753,030

Up $1,108,866 (+2.3%) from 2012

Net Assets

Up

$5,643,137

Up $8,540 (+0.2%) from 2012

Liabilities

Up

$44,109,893

Up $1,100,326 (+2.6%) from 2012

Revenue And Expenses
Liabilities / Revenue19th percentileNet Margin92nd percentile

Revenue

$3,025,240

No earlier filing loaded for comparison.

Expenses

Down

$2,412,187

Down $107,656 (-4.3%) from 2012

Net Income

$613,053

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth54th percentile

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

$100M$50M$0Assets 2011: $45,554,182Liabilities 2011: $40,690,917Net Assets 2011: $4,863,2652011Assets 2012: $48,644,164Liabilities 2012: $43,009,567Net Assets 2012: $5,634,5972012Assets 2013: $49,753,030Liabilities 2013: $44,109,893Net Assets 2013: $5,643,1372013Assets 2014: $53,410,488Liabilities 2014: $47,067,995Net Assets 2014: $6,342,4932014Assets 2015: $55,033,259Liabilities 2015: $48,543,574Net Assets 2015: $6,489,6852015Assets 2016: $59,451,879Liabilities 2016: $52,772,001Net Assets 2016: $6,679,8782016Assets 2017: $61,618,454Liabilities 2017: $54,708,598Net Assets 2017: $6,909,8562017Assets 2018: $60,975,053Liabilities 2018: $53,927,483Net Assets 2018: $7,047,5702018Assets 2019: $64,221,984Liabilities 2019: $56,562,404Net Assets 2019: $7,659,5802019Assets 2020: $80,805,253Liabilities 2020: $72,970,302Net Assets 2020: $7,834,9512020Assets 2021: $83,231,429Liabilities 2021: $75,122,993Net Assets 2021: $8,108,4362021Assets 2022: $77,029,412Liabilities 2022: $69,658,927Net Assets 2022: $7,370,4852022Assets 2023: $74,782,051Liabilities 2023: $67,363,884Net Assets 2023: $7,418,1672023

Highlighted filing

2013

Assets$49,753,030
Liabilities$44,109,893
Net Assets$5,643,137
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2011: $2,569,0692011Expenses 2012: $2,519,8432012Revenue 2013: $3,025,240Expenses 2013: $2,412,187Net Income 2013: $613,0532013Revenue 2014: $3,014,756Expenses 2014: $2,722,801Net Income 2014: $291,9552014Revenue 2015: $3,136,023Expenses 2015: $2,882,301Net Income 2015: $253,7222015Revenue 2016: $3,270,213Expenses 2016: $3,129,039Net Income 2016: $141,1742016Revenue 2017: $3,418,949Expenses 2017: $3,179,450Net Income 2017: $239,4992017Revenue 2018: $3,621,076Expenses 2018: $3,441,060Net Income 2018: $180,0162018Revenue 2019: $3,933,841Expenses 2019: $3,449,895Net Income 2019: $483,9462019Revenue 2020: $3,846,719Expenses 2020: $3,771,956Net Income 2020: $74,7632020Revenue 2021: $4,002,052Expenses 2021: $3,579,845Net Income 2021: $422,2072021Revenue 2022: $3,993,134Expenses 2022: $3,764,453Net Income 2022: $228,6812022Revenue 2023: $4,229,606Expenses 2023: $4,250,727Net Income 2023: -$21,1212023

Highlighted filing

2013

Revenue$3,025,240
Expenses$2,412,187
Net Income$613,053
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 5, 2014
Return Version
2013v3.0
Gross Receipts
$3,025,240
Mission and Program Overview

Mission

Provide affordable financial services with a commitment to excellence.

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$18,342,812$21,103,093▲ $2,760,281
Other Notes and Loans Receivable, Net$20,703,450$19,270,917▼ $1,432,533
Rtn Earn Endowment Incm Other Fnds$5,634,597$5,643,137▲ $8,540
Land, Buildings, and Equipment, Net$2,064,887$2,432,897▲ $368,010
Savings and Temporary Cash Investments$2,163,144$1,555,664▼ $607,480
Cash and Non-Interest-Bearing Accounts$1,175,791$879,574▼ $296,217
Prepaid Expenses and Deferred Charges$79,372$119,290▲ $39,918
Accounts Receivable$1,002$0▼ $1,002
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$48,644,164$49,753,030▲ $1,108,866
Other Assets Total$4,113,706$4,391,595▲ $277,889
Liabilities
Other Liabilities$42,411,256$43,632,462▲ $1,221,206
Accounts Payable and Accrued Expenses$598,311$477,431▼ $120,880
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
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$43,009,567$44,109,893▲ $1,100,326
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,634,597$5,643,137▲ $8,540
Total Liabilities and Net Assets / Fund Balance$48,644,164$49,753,030▲ $1,108,866

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,718,251$566,004$2,284,255
Land$598,424-$598,424
Equipment$116,222$150,410$266,632
Investment Program Related Org$223,233--
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Other Assets Org$32,051--
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Penny HasekerChief Executive OfficerFT$97,851$31,500$129,351

Board Members and Trustees

NameTitle
Raymond JacobiChairman
Norman NicholasVice Chairman
Bill WackerDirector
David ShuffDirector
James CissellDirector
Ken JinksDirector
William SmithDirector
Debbie BraunSecretary
Robert WeiterTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,025,240
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$613,053

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,025,240
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$3,025,240
Total Revenue per Form 990
$3,025,240
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,301,618
Salaries, Compensation, and Employee Benefits$1,110,569
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$531,457$231,947$0$763,404
Interest$198,317$0$0$198,317
Other Employee Benefits$57,326$100,752$0$158,078
Office Expenses$119,842$0$0$119,842
Depreciation Depletion$102,439$10,303$0$112,742
Occupancy$92,171$10,241$0$102,412
Current Officers, Directors, Trustees, and Key Employees$0$97,851$0$97,851
Other Expenses$91,285$0$0$91,285
Payroll Taxes$42,655$26,144$0$68,799
Advertising$67,779$0$0$67,779
Insurance$30,193$36,064$0$66,257
Information Technology$35,089$0$0$35,089
Pension Plan Contributions$13,911$8,526$0$22,437
Conferences and Meetings$20,387$0$0$20,387
Fees for Services Accounting$0$18,930$0$18,930
Fees for Services Management$0$13,971$0$13,971
All Other Expenses$0$10,972$0$10,972
Fees for Services Legal$0$1,200$0$1,200
Total Functional Expenses$1,845,286$566,901$0$2,412,187

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,412,187
Total Expenses per Audited Statements$2,412,187
Total Expenses per Form 990$2,412,187
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 savings$17,996,420
Members share certificates$13,465,615
Members draft checking$5,505,121
Members money market savings$3,809,720
Members IRA certificates$1,810,577
Members IRA savings$1,045,009
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
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 statements are made available upon request.”

Filing and Contact Details

Filer

EIN
61-0606766
Phone
5023666022

Signing Officer

Name
Penny Haseker
Title
Chief Executive Officer
Phone
5022714750
Signed
2014-05-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Penny Haseker
Formed
1947
Legal Domicile
Ky
Voting Board Members
9
Independent Board Members
9
Employees
33
Volunteers
15

Preparer

Preparer
Melissa Schmidt
Phone
6145291640
Raw XML AppendixShowing 400 of 609 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0598311
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0477431
IRS990/AccountsReceivableGrp/BOYAmt01002
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Beacon Community Credit Union is a financial institution cooperative organized to provide loan and deposit products and services for its member owners.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt067779
IRS990/AdvertisingGrp/TotalAmt067779
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt010972
IRS990/AllOtherExpensesGrp/ProgramServicesAmt00
IRS990/AllOtherExpensesGrp/TotalAmt010972
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/ProgramServicesAmt00
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine10Beacon Community Credit Union
IRS990/BooksInCareOfDetail/PhoneNum05023666022
IRS990/BooksInCareOfDetail/USAddress/AddressLine107910 National Turnpike
IRS990/BooksInCareOfDetail/USAddress/City0Louisville
IRS990/BooksInCareOfDetail/USAddress/State0KY
IRS990/BooksInCareOfDetail/USAddress/ZIPCode040214
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01175791
IRS990/CashNonInterestBearingGrp/EOYAmt0879574
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt097851
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt097851
IRS990/CompDisqualPersonsGrp/FundraisingAmt00
IRS990/CompDisqualPersonsGrp/ManagementAndGeneralAmt00
IRS990/CompDisqualPersonsGrp/ProgramServicesAmt00
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt020387
IRS990/ConferencesMeetingsGrp/TotalAmt020387
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt01301618
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt03025240
IRS990/CYRevenuesLessExpensesAmt0613053
IRS990/CYSalariesCompEmpBnftPaidAmt01110569
IRS990/CYTotalExpensesAmt02412187
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03025240
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt010303
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0102439
IRS990/DepreciationDepletionGrp/TotalAmt0112742
IRS990/Desc0The organization is a state chartered member owned cooperative credit union that provides financial products and services to the member owners.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt033
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/ExpenseAmt01845286
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt018930
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt00
IRS990/FeesForServicesAccountingGrp/TotalAmt018930
IRS990/FeesForServicesLegalGrp/FundraisingAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt01200
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt01200
IRS990/FeesForServicesLobbyingGrp/FundraisingAmt00
IRS990/FeesForServicesLobbyingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLobbyingGrp/ProgramServicesAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/FundraisingAmt00
IRS990/FeesForServicesManagementGrp/ManagementAndGeneralAmt013971
IRS990/FeesForServicesManagementGrp/ProgramServicesAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt013971
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/FundraisingAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/FundraisingAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/ProgramServicesAmt00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt05
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt15
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt35
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt45
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt55
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt65
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt85
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt931500
IRS990/Form990PartVIISectionAGrp/PersonNm0Raymond Jacobi
IRS990/Form990PartVIISectionAGrp/PersonNm1Norman Nicholas
IRS990/Form990PartVIISectionAGrp/PersonNm2Robert Weiter
IRS990/Form990PartVIISectionAGrp/PersonNm3Debbie Braun
IRS990/Form990PartVIISectionAGrp/PersonNm4James Cissell
IRS990/Form990PartVIISectionAGrp/PersonNm5Ken Jinks
IRS990/Form990PartVIISectionAGrp/PersonNm6David Shuff
IRS990/Form990PartVIISectionAGrp/PersonNm7William Smith
IRS990/Form990PartVIISectionAGrp/PersonNm8Bill Wacker
IRS990/Form990PartVIISectionAGrp/PersonNm9Penny Haseker
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt997851
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/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Chief Executive Officer
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01947
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/GrossReceiptsAmt03025240
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt035089
IRS990/InformationTechnologyGrp/TotalAmt035089
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt036064
IRS990/InsuranceGrp/ProgramServicesAmt030193
IRS990/InsuranceGrp/TotalAmt066257
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt0198317
IRS990/InterestGrp/TotalAmt0198317
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt018342812
IRS990/InvestmentsProgramRelatedGrp/EOYAmt021103093
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt0969
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0716414
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02064887
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02432897
IRS990/LandBldgEquipCostOrOtherBssAmt03149311
IRS990/LegalDomicileStateCd0KY
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Provide affordable financial services with a commitment to excellence.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt05634597
IRS990/NetAssetsOrFundBalancesEOYAmt05643137
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-604513
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt010241
IRS990/OccupancyGrp/ProgramServicesAmt092171
IRS990/OccupancyGrp/TotalAmt0102412
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt0119842
IRS990/OfficeExpensesGrp/TotalAmt0119842
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04113706
IRS990/OtherAssetsTotalGrp/EOYAmt04391595
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0100752
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt057326
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0158078
IRS990/OtherExpensesGrp/Desc0Share servicing (ATM, draft, debit)
IRS990/OtherExpensesGrp/Desc1Loan servicing (collections, processing)
IRS990/OtherExpensesGrp/Desc2Repairs and maintenance
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt0398060
IRS990/OtherExpensesGrp/ProgramServicesAmt144375
IRS990/OtherExpensesGrp/ProgramServicesAmt291285
IRS990/OtherExpensesGrp/TotalAmt0398060
IRS990/OtherExpensesGrp/TotalAmt144375
IRS990/OtherExpensesGrp/TotalAmt291285
IRS990/OtherLiabilitiesGrp/BOYAmt042411256
IRS990/OtherLiabilitiesGrp/EOYAmt043632462
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0231947
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0531457
IRS990/OtherSalariesAndWagesGrp/TotalAmt0763404
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt020703450
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt019270917
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt026144
IRS990/PayrollTaxesGrp/ProgramServicesAmt042655
IRS990/PayrollTaxesGrp/TotalAmt068799
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt08526
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt013911
IRS990/PensionPlanContributionsGrp/TotalAmt022437
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt079372
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0119290
IRS990/PrincipalOfficerNm0Penny Haseker
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/RelatedOrExemptFuncIncomeAmt01202227
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11263263
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01202227
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11263263
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt211339
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt211339
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0413366
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01443783
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02555921
IRS990/PYRevenuesLessExpensesAmt0449444
IRS990/PYSalariesCompEmpBnftPaidAmt01076060
IRS990/PYTotalExpensesAmt02519843
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02969287
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0613053
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$49,753,030
Liabilities
$44,109,893
Net assets
$5,643,137
Revenue
$3,025,240
Expenses
$2,412,187
Net income
$613,053
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$74.8$67.4$7.42$4.23$4.25$0.02
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$77.0$69.7$7.37$3.99$3.76$0.23
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$83.2$75.1$8.11$4.00$3.58$0.42
2020Summary only. Only limited summary data is available for this year.$80.8$73.0$7.83$3.85$3.77$0.07
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$64.2$56.6$7.66$3.93$3.45$0.48
2018Summary only. Only limited summary data is available for this year.$61.0$53.9$7.05$3.62$3.44$0.18
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$61.6$54.7$6.91$3.42$3.18$0.24
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$59.5$52.8$6.68$3.27$3.13$0.14
2015Detailed filing. Detailed filing data is available for this year.$55.0$48.5$6.49$3.14$2.88$0.25
2014Detailed filing. Detailed filing data is available for this year.$53.4$47.1$6.34$3.01$2.72$0.29
2013Detailed filing. Detailed filing data is available for this year.$49.8$44.1$5.64$3.03$2.41$0.61
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.6$43.0$5.63$2.52
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.6$40.7$4.86$2.57