Civic Intelligence

Jack Daniel Employees Credit Union

990 • Fiscal year 2020 • EIN 62-1014489

Jan 01, 2020 to Dec 31, 2020 • Filed on Jun 28, 2021

Organization Profilewww.jdecu.org
PO Box 199Lynchburg, TN 37352

(931) 759-3300

Siviq Scores

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

Liabilities / Assets

61st percentile

0.89x

Higher debt load relative to assets than 61% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Liabilities / Revenue

44th percentile

20.76x

Higher debt load relative to revenue than 44% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Net Margin

76th percentile

16%

Higher net margin than 76% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Top Officer Pay

49th percentile

$101,095

Higher top officer pay than 49% of similar nonprofits.

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

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Asset Growth

47th percentile

14%

Faster asset growth than 47% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2019 to 2020

Revenue Growth

71st percentile

-2.2%

Faster revenue growth than 71% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets61st percentile

Assets

Up

$37,474,839

Up $4,573,788 (+14%) from 2019

Net Assets

Up

$4,038,408

Up $266,844 (+7.1%) from 2019

Liabilities

Up

$33,436,431

Up $4,306,944 (+15%) from 2019

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin76th percentile

Revenue

Down

$1,610,478

Down $37,049 (-2.2%) from 2019

Expenses

Down

$1,350,119

Down $10,507 (-0.8%) from 2019

Net Income

Down

$260,359

Down $26,542 (-9.3%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth47th percentile

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

$60M$40M$20M$0Assets 2010: $17,246,497Liabilities 2010: $15,670,449Net Assets 2010: $1,576,0482010Assets 2011: $19,475,783Liabilities 2011: $17,819,940Net Assets 2011: $1,655,8432011Assets 2012: $22,142,887Liabilities 2012: $20,326,198Net Assets 2012: $1,816,6892012Assets 2013: $24,302,843Liabilities 2013: $22,298,254Net Assets 2013: $2,004,5892013Assets 2014: $26,528,962Liabilities 2014: $24,218,995Net Assets 2014: $2,309,9672014Assets 2015: $27,942,110Liabilities 2015: $25,307,359Net Assets 2015: $2,634,7512015Assets 2016: $30,242,425Liabilities 2016: $27,380,105Net Assets 2016: $2,862,3202016Assets 2017: $30,491,503Liabilities 2017: $27,349,850Net Assets 2017: $3,141,6532017Assets 2018: $31,206,257Liabilities 2018: $27,741,261Net Assets 2018: $3,464,9962018Assets 2019: $32,901,051Liabilities 2019: $29,129,487Net Assets 2019: $3,771,5642019Assets 2020: $37,474,839Liabilities 2020: $33,436,431Net Assets 2020: $4,038,4082020Assets 2021: $44,449,913Liabilities 2021: $40,022,888Net Assets 2021: $4,427,0252021Assets 2022: $45,817,005Liabilities 2022: $41,362,045Net Assets 2022: $4,454,9602022Assets 2023: $48,681,681Liabilities 2023: $43,737,824Net Assets 2023: $4,943,8572023Assets 2024: $51,342,510Liabilities 2024: $45,688,717Net Assets 2024: $5,653,7932024

Highlighted filing

2020

Assets$37,474,839
Liabilities$33,436,431
Net Assets$4,038,408
Open 2020 Filing

Operations Trend

Revenue Growth71st percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $773,3132010Expenses 2011: $725,8582011Expenses 2012: $777,9492012Revenue 2013: $1,031,311Expenses 2013: $814,151Net Income 2013: $217,1602013Revenue 2014: $1,090,596Expenses 2014: $806,375Net Income 2014: $284,2212014Revenue 2015: $1,160,494Expenses 2015: $839,503Net Income 2015: $320,9912015Revenue 2016: $1,253,317Expenses 2016: $1,005,838Net Income 2016: $247,4792016Revenue 2017: $1,342,315Expenses 2017: $1,059,817Net Income 2017: $282,4982017Revenue 2018: $1,523,356Expenses 2018: $1,205,547Net Income 2018: $317,8092018Revenue 2019: $1,647,527Expenses 2019: $1,360,626Net Income 2019: $286,9012019Revenue 2020: $1,610,478Expenses 2020: $1,350,119Net Income 2020: $260,3592020Revenue 2021: $1,761,481Expenses 2021: $1,318,861Net Income 2021: $442,6202021Revenue 2022: $1,923,888Expenses 2022: $1,571,133Net Income 2022: $352,7552022Revenue 2023: $2,521,389Expenses 2023: $2,132,038Net Income 2023: $389,3512023Revenue 2024: $3,011,759Expenses 2024: $2,364,537Net Income 2024: $647,2222024

Highlighted filing

2020

Revenue$1,610,478
Expenses$1,350,119
Net Income$260,359
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Jun 28, 2021
Return Version
2020v4.0
Gross Receipts
$1,610,478
Mission and Program Overview

Mission

Credit union - to provide services for approximately 1,961 members in the form of loans, savings, and other financial services.

Credit intermediary and financial services for membership

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$24,760,818$27,010,023▲ $2,249,205
Savings and Temporary Cash Investments$3,282,870$4,654,949▲ $1,372,079
Cash and Non-Interest-Bearing Accounts$2,133,899$3,149,442▲ $1,015,543
Rtn Earn Endowment Incm Other Fnds$2,368,063$2,394,907▲ $26,844
Cap Stk Tr Prin Current Funds$1,403,501$1,643,501▲ $240,000
Land, Buildings, and Equipment, Net$1,290,726$1,265,603▼ $25,123
Investments Other Securities$1,049,172$1,005,968▼ $43,204
Prepaid Expenses and Deferred Charges$332,908$338,159▲ $5,251
Accounts Receivable-$7,890-
Intangible Assets$2,100$450▼ $1,650
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-
Inventories for Sale or Use-$0-
Total Assets$32,901,051$37,474,839▲ $4,573,788
Other Assets Total$48,558$42,355▼ $6,203
Liabilities
Other Liabilities$28,841,167$33,203,562▲ $4,362,395
Accounts Payable and Accrued Expenses$288,320$232,869▼ $55,451
Total Liabilities$29,129,487$33,436,431▲ $4,306,944
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,771,564$4,038,408▲ $266,844
Total Liabilities and Net Assets / Fund Balance$32,901,051$37,474,839▲ $4,573,788

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,118,659$204,075$1,322,734
Equipment$53,945$214,748$268,693
Land$92,999-$92,999
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Pam CaseCEOFT$101,095$101,095
Jessica HortonCompliance OffiFT$55,665$55,665
Sunya DangerfieldOperationsFT$50,659$50,659

Board Members and Trustees

NameTitle
George NolenChairman
Larry HatfieldVice Chairman
Anthony T McKenzieBoard Member
Dale McGeeBoard Member
Scott ParksBoard Member
Tommy CaubleBoard Member
Josh HornadayCredit COM
Lacey RayCredit COM
W Parks NormanCredit COM
Anita CampSec/Treasurer
Andrew WhittSupervisory
Camilla SheltonSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,321,518
Investment Income
$80,561
Other Revenue
$208,399
Change in Net Assets
$260,359
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$887,834
Salaries, Compensation, and Employee Benefits$462,285
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$353,228$39,247-$392,475
Office Expenses$208,652$23,184-$231,836
Current Officers, Directors, Trustees, and Key Employees---$207,419
Other Salaries and Wages$181,755$20,195-$201,950
Other Employee Benefits$47,624$5,292-$52,916
Depreciation Depletion$25,862$2,874-$28,736
Occupancy$18,811$2,090-$20,901
Other Expenses$27,566$13,544-$13,544
All Other Expenses$9,762$1,022-$10,784
Conferences and Meetings$2,600$289-$2,889
Total Functional Expenses$1,023,879$118,821$0$1,350,119
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
Regular Shares$15,364,967
Share Certificates$11,258,851
All Other Shares$3,918,031
Share Drafts$2,661,713
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
No
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, Line 6: Explanation of Classes of Members or Shareholder

“Credit union is owned by the members”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The Form 990 is reviewed by the CEO. The Form 990 is available for review by the board of directors upon request.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“The board of directors monitor and enforce the conflict of interest policy.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Brown Forman reviews all compensation based on job descriptions and sets wage scale.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Jack Daniel Employees Credit Union
EIN
62-1014489
Phone
9317593300
Address
PO Box 199, Lynchburg, TN 37352

Signing Officer

Name
Pam Case
Title
CEO
Signed
2021-06-28
Discuss with paid preparer
Yes

Organization Details

Formed
1987
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
8
Volunteers
13

Preparer

Firm
Ray & Gregory PC
Address
142 Uptown Sq, Murfreesboro, TN 37129
Preparer
Cameron L Ray CPA
Phone
6158671099
Supplemental Narrative

Additional Explanations

Form 990, Part I, Line 6

“Hours of service are related to duties of the board of directors, supervisory committee, and credit committee without compensation.”

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IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01610478
IRS990/GrossRentsGrp/RealAmt015385
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/BOYAmt02100
IRS990/IntangibleAssetsGrp/EOYAmt0450
IRS990/InterestGrp/ManagementAndGeneralAmt039247
IRS990/InterestGrp/ProgramServicesAmt0353228
IRS990/InterestGrp/TotalAmt0392475
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt080561
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt080561
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01049172
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01005968
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt0782
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0418823
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01290726
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01265603
IRS990/LandBldgEquipCostOrOtherBssAmt01684426
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To provide credit and financial services for approximately 2,600 members in the form of loan facilities and depository accounts including draft, savings, CD's, IRA's and other financial services.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03771564
IRS990/NetAssetsOrFundBalancesEOYAmt04038408
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt015385
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt015385
IRS990/NetUnrelatedBusTxblIncmAmt0-2562
IRS990/NetUnrlzdGainsLossesInvstAmt05968
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt02090
IRS990/OccupancyGrp/ProgramServicesAmt018811
IRS990/OccupancyGrp/TotalAmt020901
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt023184
IRS990/OfficeExpensesGrp/ProgramServicesAmt0208652
IRS990/OfficeExpensesGrp/TotalAmt0231836
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt048558
IRS990/OtherAssetsTotalGrp/EOYAmt042355
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt05292
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt047624
IRS990/OtherEmployeeBenefitsGrp/TotalAmt052916
IRS990/OtherExpensesGrp/Desc0Professional Services
IRS990/OtherExpensesGrp/Desc1Loan Servicing Expense
IRS990/OtherExpensesGrp/Desc2Miscellaneous
IRS990/OtherExpensesGrp/Desc3Educational & Promotional
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt08021
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt13063
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt213544
IRS990/OtherExpensesGrp/ProgramServicesAmt072193
IRS990/OtherExpensesGrp/ProgramServicesAmt175826
IRS990/OtherExpensesGrp/ProgramServicesAmt227566
IRS990/OtherExpensesGrp/TotalAmt080214
IRS990/OtherExpensesGrp/TotalAmt175826
IRS990/OtherExpensesGrp/TotalAmt230629
IRS990/OtherExpensesGrp/TotalAmt313544
IRS990/OtherLiabilitiesGrp/BOYAmt028841167
IRS990/OtherLiabilitiesGrp/EOYAmt033203562
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0Other Operating Income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0193014
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0193014
IRS990/OtherRevenueTotalAmt0193014
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt020195
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0181755
IRS990/OtherSalariesAndWagesGrp/TotalAmt0201950
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt024760818
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt027010023
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0332908
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0338159
IRS990/PriorPeriodAdjustmentsAmt0517
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522291
IRS990/ProgramServiceRevenueGrp/Desc0Fee Income
IRS990/ProgramServiceRevenueGrp/Desc1Loan Interest
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0111584
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11209934
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0111584
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11209934
IRS990/ProgSrvcAccomActy2Grp/Desc0The organization provides depository services in a variety of accounts including savings, draft, certificates and retirement accounts.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0109619
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0912171
IRS990/PYOtherRevenueAmt0187540
IRS990/PYProgramServiceRevenueAmt01350368
IRS990/PYRevenuesLessExpensesAmt0286901
IRS990/PYSalariesCompEmpBnftPaidAmt0448455
IRS990/PYTotalExpensesAmt01360626
IRS990/PYTotalRevenueAmt01647527
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0260359
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt015385
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02368063
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02394907
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03282870
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04654949
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01118659
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0204075
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01322734
IRS990ScheduleD/EquipmentGrp/BookValueAmt053945
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0214748
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0268693
IRS990ScheduleD/LandGrp/BookValueAmt092999
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt092999
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03918031
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt115364967
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt211258851
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32661713
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0All Other Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Share Drafts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01265603
IRS990ScheduleD/TotalLiabilityAmt033203562
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Credit union is owned by the members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Form 990 is reviewed by the CEO. The Form 990 is available for review by the board of directors upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The board of directors monitor and enforce the conflict of interest policy.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Brown Forman reviews all compensation based on job descriptions and sets wage scale.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Financial documents are posted in the credit union lobby by the 15th of the subsequent month.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Hours of service are related to duties of the board of directors, supervisory committee, and credit committee without compensation.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part I, Line 6
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$37,474,839
Liabilities
$33,436,431
Net assets
$4,038,408
Revenue
$1,610,478
Expenses
$1,350,119
Net income
$260,359
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$51.3$45.7$5.65$3.01$2.36$0.65
2023Detailed filing. Detailed filing data is available for this year.$48.7$43.7$4.94$2.52$2.13$0.39
2022Detailed filing. Detailed filing data is available for this year.$45.8$41.4$4.45$1.92$1.57$0.35
2021Detailed filing. Detailed filing data is available for this year.$44.4$40.0$4.43$1.76$1.32$0.44
2020Detailed filing. Detailed filing data is available for this year.$37.5$33.4$4.04$1.61$1.35$0.26
2019Detailed filing. Detailed filing data is available for this year.$32.9$29.1$3.77$1.65$1.36$0.29
2018Detailed filing. Detailed filing data is available for this year.$31.2$27.7$3.46$1.52$1.21$0.32
2017Detailed filing. Detailed filing data is available for this year.$30.5$27.3$3.14$1.34$1.06$0.28
2016Detailed filing. Detailed filing data is available for this year.$30.2$27.4$2.86$1.25$1.01$0.25
2015Detailed filing. Detailed filing data is available for this year.$27.9$25.3$2.63$1.16$0.84$0.32
2014Detailed filing. Detailed filing data is available for this year.$26.5$24.2$2.31$1.09$0.81$0.28
2013Detailed filing. Detailed filing data is available for this year.$24.3$22.3$2.00$1.03$0.81$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.1$20.3$1.82$0.78
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.5$17.8$1.66$0.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.2$15.7$1.58$0.77
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