Civic Intelligence

Postal Credit Union

990 • Fiscal year 2016 • EIN 72-0520490

Jan 01, 2016 to Dec 31, 2016 • Filed on May 09, 2017

Organization Profilewww.brlapcu.com

View Organization Page

510 North 6th StreetBaton Rouge, LA 70802

(225) 383-4109

Siviq Scores

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

Liabilities / Assets

17th percentile

0.83x

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

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

72nd percentile

23.82x

Higher debt load relative to revenue than 72% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

15th percentile

0.4%

Higher net margin than 15% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

40th percentile

$88,329

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 8.8% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

72nd percentile

5.5%

Faster asset growth than 72% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

87th percentile

9.9%

Faster revenue growth than 87% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$28,792,852

Up $1,511,468 (+5.5%) from 2015

Net Assets

Up

$5,018,665

Up $4,304 (+0.1%) from 2015

Liabilities

Up

$23,774,187

Up $1,507,164 (+6.8%) from 2015

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin15th percentile

Revenue

Up

$998,125

Up $90,219 (+9.9%) from 2015

Expenses

Up

$993,821

Up $46,025 (+4.9%) from 2015

Net Income

Up

$4,304

Up $44,194 (+111%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth72nd percentile

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

$30M$20M$10M$0Assets 2010: $29,641,481Liabilities 2010: $24,889,966Net Assets 2010: $4,751,5152010Assets 2011: $28,496,129Liabilities 2011: $23,607,927Net Assets 2011: $4,888,2022011Assets 2012: $28,461,517Liabilities 2012: $23,343,224Net Assets 2012: $5,118,2932012Assets 2013: $27,379,753Liabilities 2013: $22,258,776Net Assets 2013: $5,120,9772013Assets 2014: $28,302,170Liabilities 2014: $23,247,919Net Assets 2014: $5,054,2512014Assets 2015: $27,281,384Liabilities 2015: $22,267,023Net Assets 2015: $5,014,3612015Assets 2016: $28,792,852Liabilities 2016: $23,774,187Net Assets 2016: $5,018,6652016Assets 2017: $27,040,456Liabilities 2017: $22,057,325Net Assets 2017: $4,983,1312017Assets 2018: $25,872,667Liabilities 2018: $21,017,536Net Assets 2018: $4,855,1312018Assets 2019: $24,338,380Liabilities 2019: $19,669,534Net Assets 2019: $4,668,8462019Assets 2020: $25,021,980Liabilities 2020: $20,222,957Net Assets 2020: $4,799,0232020Assets 2021: $26,286,667Liabilities 2021: $21,536,212Net Assets 2021: $4,750,4552021Assets 2022: $24,261,888Liabilities 2022: $19,585,270Net Assets 2022: $4,676,6182022Assets 2023: $21,667,249Liabilities 2023: $17,039,898Net Assets 2023: $4,627,3512023Assets 2024: $19,425,925Liabilities 2024: $15,172,413Net Assets 2024: $4,253,5122024Assets 2025: $0Liabilities 2025: $0Net Assets 2025: $02025

Highlighted filing

2016

Assets$28,792,852
Liabilities$23,774,187
Net Assets$5,018,665
Open 2016 Filing

Operations Trend

Revenue Growth87th percentile

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

$2.0M$1.0M$0-$1.0M-$2.0MExpenses 2010: $1,495,6912010Expenses 2011: $1,252,6562011Revenue 2012: $1,222,779Expenses 2012: $992,687Net Income 2012: $230,0922012Revenue 2013: $982,028Expenses 2013: $979,342Net Income 2013: $2,6862013Revenue 2014: $905,501Expenses 2014: $972,226Net Income 2014: -$66,7252014Revenue 2015: $907,906Expenses 2015: $947,796Net Income 2015: -$39,8902015Revenue 2016: $998,125Expenses 2016: $993,821Net Income 2016: $4,3042016Revenue 2017: $1,158,325Expenses 2017: $1,193,859Net Income 2017: -$35,5342017Revenue 2018: $1,223,472Expenses 2018: $1,351,472Net Income 2018: -$128,0002018Revenue 2019: $1,095,962Expenses 2019: $1,282,247Net Income 2019: -$186,2852019Revenue 2020: $1,042,653Expenses 2020: $912,476Net Income 2020: $130,1772020Revenue 2021: $867,702Expenses 2021: $916,269Net Income 2021: -$48,5672021Revenue 2022: $901,144Expenses 2022: $974,981Net Income 2022: -$73,8372022Revenue 2023: $934,689Expenses 2023: $983,956Net Income 2023: -$49,2672023Revenue 2024: $849,884Expenses 2024: $1,223,723Net Income 2024: -$373,8392024Revenue 2025: $426,862Expenses 2025: $1,832,389Net Income 2025: -$1,405,5272025

Highlighted filing

2016

Revenue$998,125
Expenses$993,821
Net Income$4,304
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 9, 2017
Return Version
2016v3.0
Gross Receipts
$998,125
Mission and Program Overview

Mission

Member owned not for profit financial cooperative provides an affordable source of savings and borrowing for credit union members.

Member owned not for profit financial cooperative. Provide an affordable source of savings and borrowing for credit union members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$10,922,751$12,805,527▲ $1,882,776
Investments Other Securities$12,174,044$12,312,904▲ $138,860
Rtn Earn Endowment Incm Other Fnds$4,613,458$4,617,762▲ $4,304
Savings and Temporary Cash Investments$2,559,464$2,121,570▼ $437,894
Land, Buildings, and Equipment, Net$990,967$945,666▼ $45,301
Pd in Cap Srpls Land Bldg Eqp Fund$400,903$400,903→ $0
Cash and Non-Interest-Bearing Accounts$331,771$256,738▼ $75,033
Prepaid Expenses and Deferred Charges$37,823$28,489▼ $9,334
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$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$27,281,384$28,792,852▲ $1,511,468
Other Assets Total$264,564$321,958▲ $57,394
Liabilities
Other Liabilities$22,047,520$23,447,704▲ $1,400,184
Accounts Payable and Accrued Expenses$219,503$326,483▲ $106,980
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$22,267,023$23,774,187▲ $1,507,164
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,014,361$5,018,665▲ $4,304
Total Liabilities and Net Assets / Fund Balance$27,281,384$28,792,852▲ $1,511,468

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$653,971$374,244$0
Other Land Buildings$0$0$0
Land$145,203-$0
Equipment$41,832$478,720$0
Leasehold Improvements$104,660$98,761$0
Other Securities$143,044--
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer Pay40th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Tynita HowardCEOFT$88,329$88,329

Board Members and Trustees

NameTitle
Gwen StevensonChairperson
Cassandra DavisVice Chairperson
Anthony FourrouxBoard Member
Drusilla ParkerBoard Member
Helen CoklinBoard Member
Karen HebertBoard Secretary
Adolph RayTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$877,104
Investment Income
$121,021
Other Revenue
$0
Change in Net Assets
$4,304
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$539,533
Salaries, Compensation, and Employee Benefits$454,288
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$266,356
Information Technology---$97,037
Office Expenses---$94,495
Current Officers, Directors, Trustees, and Key Employees---$88,329
Other Employee Benefits---$67,848
Depreciation Depletion---$50,888
Occupancy---$46,005
Payroll Taxes---$26,857
Interest---$26,496
Insurance---$21,770
All Other Expenses---$11,308
Other Expenses---$10,000
Pension Plan Contributions---$4,898
Conferences and Meetings---$3,005
Advertising---$425
Total Functional Expenses$0$0$0$993,821
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Member Savings Accounts$18,624,353
Checking Accounts$2,505,734
Certificates of Deposit issued to Members$1,441,939
IRA Accounts$875,678
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
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

“The organization has 3,255 members as of the report date. As a member owned financial cooperative, there are no stockholders.”

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

“Members of the governing body are elected by the membership.”

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

“The credit union CEO reviews the Form 990.”

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

“Officials sign an agreement that they understand and agree to follow the policy.”

Form 990, Part VI, Section B, Line 15

“Salary of the CEO is based on performance and salary ranges for similar size credit unions. No other directors or officers receive monetary compensation.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union office. Financial statements are also filed with the credit union's regulator and are publicly available at www.ncua.gov. Policies and other governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Postal Credit Union
EIN
72-0520490
Phone
2253834109
Address
510 North 6th Street, Baton Rouge, LA 70802

Signing Officer

Name
Tynita
Title
CEO
Phone
2253834109
Signed
2017-05-09
Discuss with paid preparer
No

Organization Details

Principal Officer
Tynita Howard
Formed
1931
Legal Domicile
La
Voting Board Members
7
Independent Board Members
7
Employees
10
Volunteers
10

Preparer

Firm
James Jordan CPA LLC
Address
P O Box 86761, Baton Rouge, LA 70817
Preparer
James Jordan
Phone
2253377645
Raw XML AppendixShowing 400 of 501 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/BOYAmt0219503
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0326483
IRS990/AccountsReceivableGrp/BOYAmt00
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Member owned not for profit financial cooperative. Provide an affordable source of savings and borrowing for credit union members.
IRS990/AdvertisingGrp/TotalAmt0425
IRS990/AllOtherExpensesGrp/TotalAmt011308
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Tynita Howard
IRS990/BooksInCareOfDetail/PhoneNum02253834109
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0510 North 6th Street
IRS990/BooksInCareOfDetail/USAddress/CityNm0Baton Rouge
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0LA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd070802
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0331771
IRS990/CashNonInterestBearingGrp/EOYAmt0256738
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt088329
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt03005
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContriRptFundraisingEventAmt00
IRS990/CostOfGoodsSoldAmt00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0121021
IRS990/CYOtherExpensesAmt0539533
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0877104
IRS990/CYRevenuesLessExpensesAmt04304
IRS990/CYSalariesCompEmpBnftPaidAmt0454288
IRS990/CYTotalExpensesAmt0993821
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0998125
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt050888
IRS990/Desc0Provide members with affordable sources of credit. 989 loans outstanding to members with a total $ amount of $12,949,232.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt010
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/ExpenseAmt0519783
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
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/AverageHoursPerWeekRt01
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
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/PersonNm0Gwen Stevenson
IRS990/Form990PartVIISectionAGrp/PersonNm1Adolph Ray
IRS990/Form990PartVIISectionAGrp/PersonNm2Cassandra Davis
IRS990/Form990PartVIISectionAGrp/PersonNm3Karen Hebert
IRS990/Form990PartVIISectionAGrp/PersonNm4Helen Coklin
IRS990/Form990PartVIISectionAGrp/PersonNm5Anthony Fourroux
IRS990/Form990PartVIISectionAGrp/PersonNm6Drusilla Parker
IRS990/Form990PartVIISectionAGrp/PersonNm7Tynita Howard
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt788329
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/TitleTxt0Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01931
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/FundraisingDirectExpensesAmt00
IRS990/FundraisingGrossIncomeAmt00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GamingDirectExpensesAmt00
IRS990/GamingGrossIncomeAmt00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantAmt00
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt0998125
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt00
IRS990/GrossSalesOfInventoryAmt00
IRS990/GroupExemptionNum02026
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt097037
IRS990/InsuranceGrp/TotalAmt021770
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt026496
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0121021
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0121021
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt012174044
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt012312904
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt0335
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0951725
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0990967
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0945666
IRS990/LandBldgEquipCostOrOtherBssAmt01897391
IRS990/LegalDomicileStateCd0LA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Member owned not for profit financial cooperative, provide an affordble source of savings and borrowings to credit union members.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt05014361
IRS990/NetAssetsOrFundBalancesEOYAmt05018665
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeFromGamingGrp/ExclusionAmt00
IRS990/NetIncomeFromGamingGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeOrLossGrp/ExclusionAmt00
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt024564
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt046005
IRS990/OfficeExpensesGrp/TotalAmt094495
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0264564
IRS990/OtherAssetsTotalGrp/EOYAmt0321958
IRS990/OtherEmployeeBenefitsGrp/TotalAmt067848
IRS990/OtherExpensesGrp/Desc0Loan Losses and Loan Servicing
IRS990/OtherExpensesGrp/Desc1Professional & Outside Services
IRS990/OtherExpensesGrp/Desc2State Exam Fees
IRS990/OtherExpensesGrp/TotalAmt072241
IRS990/OtherExpensesGrp/TotalAmt1105863
IRS990/OtherExpensesGrp/TotalAmt210000
IRS990/OtherLiabilitiesGrp/BOYAmt022047520
IRS990/OtherLiabilitiesGrp/EOYAmt023447704
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0266356
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt010922751
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt012805527
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt026857
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0400903
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt0400903
IRS990/PensionPlanContributionsGrp/TotalAmt04898
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt037823
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt028489
IRS990/PrincipalOfficerNm0Tynita Howard
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans and Credit Cards
IRS990/ProgramServiceRevenueGrp/Desc1Fees and Charges
IRS990/ProgramServiceRevenueGrp/Desc2Loan Fees and Other Operating Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0652617
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1135861
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt264062
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0652617
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1137117
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt287370
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt11256
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt223308
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide members with affordable sources of savings and financial services. Deposit accounts held by 3,255 members with a total $ amount of $23,447,703
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0474039
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0245741
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0106974
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0548876
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0800932
IRS990/PYRevenuesLessExpensesAmt0-39890
IRS990/PYSalariesCompEmpBnftPaidAmt0398920
IRS990/PYTotalExpensesAmt0947796
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0907906
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt04304
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0752385
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04613458
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04617762
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02559464
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02121570
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0653971
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0374244
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01028215
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/MethodValuationCd0C
IRS990ScheduleD/EquipmentGrp/BookValueAmt041832
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0478720
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0520552
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt00
IRS990ScheduleD/FinancialDerivativesGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt0145203
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0145203
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0104660
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt098761
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0203421
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt018624353
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt12505734
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21441939
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3875678
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Savings Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Checking Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Certificates of Deposit issued to Members
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA Accounts
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt012169860
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1143044
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Insured Certificates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Membership Capital in Corporate Credit Unions
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0945666
IRS990ScheduleD/TotalBookValueSecuritiesAmt012312904
IRS990ScheduleD/TotalLiabilityAmt023447704
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The organization has 3,255 members as of the report date. As a member owned financial cooperative, there are no stockholders.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members of the governing body are elected by the membership.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$28,792,852
Liabilities
$23,774,187
Net assets
$5,018,665
Revenue
$998,125
Expenses
$993,821
Net income
$4,304
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.43$1.83$1.41
2024Detailed filing. Detailed filing data is available for this year.$19.4$15.2$4.25$0.85$1.22$0.37
2023Detailed filing. Detailed filing data is available for this year.$21.7$17.0$4.63$0.93$0.98$0.05
2022Detailed filing. Detailed filing data is available for this year.$24.3$19.6$4.68$0.90$0.97$0.07
2021Detailed filing. Detailed filing data is available for this year.$26.3$21.5$4.75$0.87$0.92$0.05
2020Detailed filing. Detailed filing data is available for this year.$25.0$20.2$4.80$1.04$0.91$0.13
2019Detailed filing. Detailed filing data is available for this year.$24.3$19.7$4.67$1.10$1.28$0.19
2018Detailed filing. Detailed filing data is available for this year.$25.9$21.0$4.86$1.22$1.35$0.13
2017Detailed filing. Detailed filing data is available for this year.$27.0$22.1$4.98$1.16$1.19$0.04
2016Detailed filing. Detailed filing data is available for this year.$28.8$23.8$5.02$1.00$0.99$0.00
2015Detailed filing. Detailed filing data is available for this year.$27.3$22.3$5.01$0.91$0.95$0.04
2014Detailed filing. Detailed filing data is available for this year.$28.3$23.2$5.05$0.91$0.97$0.07
2013Detailed filing. Detailed filing data is available for this year.$27.4$22.3$5.12$0.98$0.98$0.00
2012Summary only. Only limited summary data is available for this year.$28.5$23.3$5.12$1.22$0.99$0.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.5$23.6$4.89$1.25
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.6$24.9$4.75$1.50