Civic Intelligence

Whitesville Community Credit Union

EIN 61-0648221 • 501(c)14 • Whitesville, KY

View Organization Page

Profile

To provide low cost loans to members and to provide savings and checking accounts with a fair rate of return and low fees.

PO Box 83Whitesville, KY 42378

www.whitesvillecommunitycu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

70th percentile

0.89x

Higher debt load relative to assets than 70% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

83rd percentile

21.35x

Higher debt load relative to revenue than 83% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

85th percentile

24%

Higher net margin than 85% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

24th percentile

$87,175

Higher top officer pay than 24% of similar nonprofits.

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

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

23rd percentile

-3.2%

Faster asset growth than 23% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

92nd percentile

28%

Faster revenue growth than 92% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets70th percentile

Assets

Down

$33,106,689

Down $1,104,113 (-3.2%) from 2023

Liabilities

Down

$29,597,253

Down $1,436,207 (-4.6%) from 2023

Net Assets

Up

$3,509,436

Up $332,094 (+10%) from 2023

Operations
Liabilities / Revenue83rd percentileNet Margin85th percentile

Revenue

Up

$1,386,161

Up $303,017 (+28%) from 2023

Expenses

Up

$1,054,067

Up $100,006 (+10%) from 2023

Net Income

Up

$332,094

Up $203,011 (+157%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth23rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$40M$30M$20M$10M$0Assets 2010: $16,740,709Liabilities 2010: $14,457,282Net Assets 2010: $2,283,4272010Assets 2011: $18,070,504Liabilities 2011: $15,718,692Net Assets 2011: $2,351,8122011Assets 2012: $19,917,357Liabilities 2012: $17,497,436Net Assets 2012: $2,419,9212012Assets 2013: $20,348,991Liabilities 2013: $17,902,411Net Assets 2013: $2,446,5802013Assets 2014: $20,874,643Liabilities 2014: $18,364,149Net Assets 2014: $2,510,4942014Assets 2015: $22,291,567Liabilities 2015: $19,770,683Net Assets 2015: $2,520,8842015Assets 2016: $23,382,675Liabilities 2016: $20,868,460Net Assets 2016: $2,514,2152016Assets 2017: $23,542,816Liabilities 2017: $20,988,414Net Assets 2017: $2,554,4022017Assets 2018: $25,981,014Liabilities 2018: $23,342,674Net Assets 2018: $2,638,3402018Assets 2019: $27,093,447Liabilities 2019: $24,307,397Net Assets 2019: $2,786,0502019Assets 2020: $30,091,579Liabilities 2020: $27,177,272Net Assets 2020: $2,914,3072020Assets 2021: $34,579,062Liabilities 2021: $31,635,713Net Assets 2021: $2,943,3492021Assets 2022: $36,466,413Liabilities 2022: $33,411,048Net Assets 2022: $3,055,3652022Assets 2023: $34,210,802Liabilities 2023: $31,033,460Net Assets 2023: $3,177,3422023Assets 2024: $33,106,689Liabilities 2024: $29,597,253Net Assets 2024: $3,509,4362024

Highlighted filing

2024

Assets$33,106,689
Liabilities$29,597,253
Net Assets$3,509,436
Open 2024 Filing

Operations Trend

Revenue Growth92nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $528,1612010Expenses 2011: $502,9872011Expenses 2012: $480,1762012Revenue 2013: $502,442Expenses 2013: $463,895Net Income 2013: $38,5472013Revenue 2014: $511,435Expenses 2014: $447,521Net Income 2014: $63,9142014Revenue 2015: $501,941Expenses 2015: $491,551Net Income 2015: $10,3902015Revenue 2016: $523,498Expenses 2016: $530,167Net Income 2016: -$6,6692016Revenue 2017: $585,375Expenses 2017: $545,188Net Income 2017: $40,1872017Revenue 2018: $722,383Expenses 2018: $638,445Net Income 2018: $83,9382018Revenue 2019: $850,102Expenses 2019: $702,392Net Income 2019: $147,7102019Revenue 2020: $784,265Expenses 2020: $656,008Net Income 2020: $128,2572020Revenue 2021: $695,779Expenses 2021: $666,737Net Income 2021: $29,0422021Revenue 2022: $864,013Expenses 2022: $751,997Net Income 2022: $112,0162022Revenue 2023: $1,083,144Expenses 2023: $954,061Net Income 2023: $129,0832023Revenue 2024: $1,386,161Expenses 2024: $1,054,067Net Income 2024: $332,0942024

Highlighted filing

2024

Revenue$1,386,161
Expenses$1,054,067
Net Income$332,094
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$33,106,689
Liabilities
$29,597,253
Net assets
$3,509,436
Revenue
$1,386,161
Expenses
$1,054,067
Net income
$332,094
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.1$29.6$3.51$1.39$1.05$0.33
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.2$31.0$3.18$1.08$0.95$0.13
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.5$33.4$3.06$0.86$0.75$0.11
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.6$31.6$2.94$0.70$0.67$0.03
2020Detailed filing. Detailed filing data is available for this year.$30.1$27.2$2.91$0.78$0.66$0.13
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.1$24.3$2.79$0.85$0.70$0.15
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.0$23.3$2.64$0.72$0.64$0.08
2017Detailed filing. Detailed filing data is available for this year.$23.5$21.0$2.55$0.59$0.55$0.04
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.4$20.9$2.51$0.52$0.53$0.01
2015Detailed filing. Detailed filing data is available for this year.$22.3$19.8$2.52$0.50$0.49$0.01
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.9$18.4$2.51$0.51$0.45$0.06
2013Detailed filing. Detailed filing data is available for this year.$20.3$17.9$2.45$0.50$0.46$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.9$17.5$2.42$0.48
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.1$15.7$2.35$0.50
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.7$14.5$2.28$0.53
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
May 2, 2023
Return Version
2022v5.0
Gross Receipts
$864,013
Mission and Program Overview

Mission

To provide low cost loans to members and to provide savings and checking accounts with a fair rate of return and low fees.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$11,292,004$13,786,208▲ $2,494,204
Savings and Temporary Cash Investments$14,957,749$13,391,858▼ $1,565,891
Other Notes and Loans Receivable, Net$7,632,261$8,402,732▲ $770,471
Rtn Earn Endowment Incm Other Fnds$2,943,349$3,055,365▲ $112,016
Cash and Non-Interest-Bearing Accounts$244,736$354,528▲ $109,792
Land, Buildings, and Equipment, Net$120,632$108,749▼ $11,883
Prepaid Expenses and Deferred Charges$19,735$39,146▲ $19,411
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$34,579,062$36,466,413▲ $1,887,351
Other Assets Total$311,945$383,192▲ $71,247
Liabilities
Other Liabilities$31,553,180$33,316,132▲ $1,762,952
Accounts Payable and Accrued Expenses$82,533$94,916▲ $12,383
Total Liabilities$31,635,713$33,411,048▲ $1,775,335
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,943,349$3,055,365▲ $112,016
Total Liabilities and Net Assets / Fund Balance$34,579,062$36,466,413▲ $1,887,351

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$67,610-$67,610
Land$22,300-$22,300
Other Land Buildings$18,839-$18,839
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kim GreerCEOFT$73,379$7,848$81,227

Board Members and Trustees

NameTitle
Donnie HowardChairperson
Randal MurphyVice Chair
Donny SmithDirector
Joseph MillaySecretary
Joseph A HowardTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$554,698
Investment Income
$309,315
Other Revenue
$0
Change in Net Assets
$112,016
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$422,405
Salaries, Compensation, and Employee Benefits$329,592
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$180,773
Current Officers, Directors, Trustees, and Key Employees---$81,227
Office Expenses---$72,792
Other Employee Benefits---$44,908
Interest---$40,745
Fees for Services Other---$30,938
Occupancy---$22,741
Information Technology---$19,862
Depreciation Depletion---$19,550
Payroll Taxes---$19,248
Travel---$15,622
Insurance---$14,758
Advertising---$12,968
Other Expenses---$11,369
Fees for Services Accounting---$11,313
All Other Expenses---$4,326
Pension Plan Contributions---$3,436
Total Functional Expenses$0$0$0$751,997
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Share & Deposit Accounts$33,316,132
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Section 501c(14) Credit Union is composed of members.”

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

“Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.”

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

“Mergers are voted on by entire membership.”

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

“Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.”

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

“Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.”

Form 990, Part VI, Section B, Line 15A

“Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.”

Form 990, Part VI, Section C, Line 19

“Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.”

Filing and Contact Details

Filer

Filer Name
Whitesville Community Credit Union
EIN
61-0648221
Phone
2702334447
Address
PO Box 83, Whitesville, KY 42378

Signing Officer

Name
Kim Greer
Title
CEO
Signed
2023-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kim Greer
Formed
1963
Legal Domicile
Ky
Voting Board Members
5
Independent Board Members
5
Employees
6
Volunteers
8

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Patrick Haughey
Phone
8005225820
Raw XML Appendix365 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt082533
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt094916
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0To provide low cost loans to members and to provide savings and checking accounts with a fair rate of return and low fees.
IRS990/AdvertisingGrp/TotalAmt012968
IRS990/AllOtherExpensesGrp/TotalAmt04326
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Kim Greer
IRS990/BooksInCareOfDetail/PhoneNum02702334447
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 83
IRS990/BooksInCareOfDetail/USAddress/CityNm0Whitesville
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0KY
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0423780083
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0244736
IRS990/CashNonInterestBearingGrp/EOYAmt0354528
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt081227
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0309315
IRS990/CYOtherExpensesAmt0422405
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0554698
IRS990/CYRevenuesLessExpensesAmt0112016
IRS990/CYSalariesCompEmpBnftPaidAmt0329592
IRS990/CYTotalExpensesAmt0751997
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0864013
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt019550
IRS990/Desc0The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members at 12/31/2022 was 2,182.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt06
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt011313
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt030938
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt07848
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/PersonNm0Kim Greer
IRS990/Form990PartVIISectionAGrp/PersonNm1Donnie Howard
IRS990/Form990PartVIISectionAGrp/PersonNm2Randal Murphy
IRS990/Form990PartVIISectionAGrp/PersonNm3Joseph A Howard
IRS990/Form990PartVIISectionAGrp/PersonNm4Joseph Millay
IRS990/Form990PartVIISectionAGrp/PersonNm5Donny Smith
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt073379
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01963
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0864013
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt019862
IRS990/InsuranceGrp/TotalAmt014758
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt040745
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0309315
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0309315
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt011292004
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt013786208
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt0475
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0120632
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0108749
IRS990/LandBldgEquipCostOrOtherBssAmt0108749
IRS990/LegalDomicileStateCd0KY
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To provide low cost loans to members and to provide savings and checking accounts with a fair rate of return and low fees.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02943349
IRS990/NetAssetsOrFundBalancesEOYAmt03055365
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt022741
IRS990/OfficeExpensesGrp/TotalAmt072792
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0311945
IRS990/OtherAssetsTotalGrp/EOYAmt0383192
IRS990/OtherEmployeeBenefitsGrp/TotalAmt044908
IRS990/OtherExpensesGrp/Desc0ATM & Debit Card Expenses
IRS990/OtherExpensesGrp/Desc1Share Draft Expense
IRS990/OtherExpensesGrp/Desc2Loan Servicing
IRS990/OtherExpensesGrp/Desc3Association Dues
IRS990/OtherExpensesGrp/TotalAmt082198
IRS990/OtherExpensesGrp/TotalAmt142143
IRS990/OtherExpensesGrp/TotalAmt221080
IRS990/OtherExpensesGrp/TotalAmt311369
IRS990/OtherLiabilitiesGrp/BOYAmt031553180
IRS990/OtherLiabilitiesGrp/EOYAmt033316132
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0180773
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt07632261
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt08402732
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt019248
IRS990/PensionPlanContributionsGrp/TotalAmt03436
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt019735
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt039146
IRS990/PrincipalOfficerNm0Kim Greer
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0Fees & Charges
IRS990/ProgramServiceRevenueGrp/Desc1Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc2Non-Member ATM Income
IRS990/ProgramServiceRevenueGrp/Desc3Share Draft Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0177639
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1317700
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt253116
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0177639
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1317700
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt26243
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt353116
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt06243
IRS990/ProgSrvcAccomActy2Grp/Desc0The Credit Union provides a variety of loans to members including real estate, vehicle and other. The total number of loans outstanding at 12/31/2022 was 599.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0252265
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0336115
IRS990/PYProgramServiceRevenueAmt0443514
IRS990/PYRevenuesLessExpensesAmt029042
IRS990/PYSalariesCompEmpBnftPaidAmt0330622
IRS990/PYTotalExpensesAmt0666737
IRS990/PYTotalRevenueAmt0695779
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0112016
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02943349
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03055365
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014957749
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013391858
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt067610
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt067610
IRS990ScheduleD/LandGrp/BookValueAmt022300
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt022300
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt018839
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt018839
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt033316132
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Total Share & Deposit Accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0108749
IRS990ScheduleD/TotalBookValueSecuritiesAmt013786208
IRS990ScheduleD/TotalLiabilityAmt033316132
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Mergers are voted on by entire membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt034579062
IRS990/TotalAssetsEOYAmt036466413
IRS990/TotalAssetsGrp/BOYAmt034579062
IRS990/TotalAssetsGrp/EOYAmt036466413
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0751997
IRS990/TotalGrossUBIAmt06243
IRS990/TotalLiabilitiesBOYAmt031635713
IRS990/TotalLiabilitiesEOYAmt033411048
IRS990/TotalLiabilitiesGrp/BOYAmt031635713
IRS990/TotalLiabilitiesGrp/EOYAmt033411048
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02943349
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03055365
IRS990/TotalOtherCompensationAmt07848
IRS990/TotalProgramServiceRevenueAmt0554698
IRS990/TotalReportableCompFromOrgAmt073379
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0857770
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0864013
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt06243
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt034579062
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt036466413
IRS990/TravelGrp/TotalAmt015622
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO Box 83
IRS990/USAddress/CityNm0Whitesville
IRS990/USAddress/StateAbbreviationCd0KY
IRS990/USAddress/ZIPCd0423780083
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.whitesvillecommunitycu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Kim Greer
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-05-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Whitesville Community Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0WHIT
ReturnHeader/Filer/EIN0610648221
ReturnHeader/Filer/PhoneNum02702334447
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 83
ReturnHeader/Filer/USAddress/CityNm0Whitesville
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KY
ReturnHeader/Filer/USAddress/ZIPCd042378
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0650152722
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06447 W HIGHWAY 146
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CRESTWOOD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040014
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Patrick Haughey
ReturnHeader/ReturnTs02023-05-02T08:24:56-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Kim
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Greer
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

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