Civic Intelligence

Jefferson Financial Credit Union

EIN 72-0649178 • 501(c)14 • Metairie, LA

View Organization Page

Profile

Being a member-owned, not-for-profit financial organization allows us to keep the member's interest in the forefront. Therefore, keeping up with recent technology and the needs of the people who own us is our mission. We do this by constantly striving to provide quality services in our competitive market while maintaining a sound financial institution.

7701 Airline DriveMetairie, LA 70003

www.jeffersonfinancial.org

Siviq Scores

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

Liabilities / Assets

43rd percentile

0.90x

Higher debt load relative to assets than 43% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

63rd percentile

15.80x

Higher debt load relative to revenue than 63% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

59th percentile

11%

Higher net margin than 59% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

19th percentile

$312,310

Higher top officer pay than 19% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

48th percentile

2.6%

Faster asset growth than 48% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

25th percentile

6.9%

Faster revenue growth than 25% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$432,321,238

Up $11,067,028 (+2.6%) from 2014

Liabilities

Up

$387,183,155

Up $8,366,776 (+2.2%) from 2014

Net Assets

Up

$45,138,083

Up $2,700,252 (+6.4%) from 2014

Operations
Liabilities / Revenue63rd percentileNet Margin59th percentile

Revenue

Up

$24,511,023

Up $1,588,592 (+6.9%) from 2014

Expenses

Up

$21,803,086

Up $1,010,152 (+4.9%) from 2014

Net Income

Up

$2,707,937

Up $578,440 (+27%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth48th percentile

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

$600M$400M$200M$0Assets 2010: $234,097,323Liabilities 2010: $204,755,680Net Assets 2010: $29,341,6432010Assets 2011: $264,207,670Liabilities 2011: $233,531,713Net Assets 2011: $30,675,9572011Assets 2012: $286,928,218Liabilities 2012: $254,182,838Net Assets 2012: $32,745,3802012Assets 2013: $361,599,070Liabilities 2013: $321,247,826Net Assets 2013: $40,351,2442013Assets 2014: $421,254,210Liabilities 2014: $378,816,379Net Assets 2014: $42,437,8312014Assets 2015: $432,321,238Liabilities 2015: $387,183,155Net Assets 2015: $45,138,0832015

Highlighted filing

2015

Assets$432,321,238
Liabilities$387,183,155
Net Assets$45,138,083
Open 2015 Filing

Operations Trend

Revenue Growth25th percentile

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

$30M$20M$10M$0Expenses 2010: $15,520,1032010Expenses 2011: $17,052,0922011Expenses 2012: $17,345,7912012Revenue 2013: $22,508,095Expenses 2013: $20,896,090Net Income 2013: $1,612,0052013Revenue 2014: $22,922,431Expenses 2014: $20,792,934Net Income 2014: $2,129,4972014Revenue 2015: $24,511,023Expenses 2015: $21,803,086Net Income 2015: $2,707,9372015

Highlighted filing

2015

Revenue$24,511,023
Expenses$21,803,086
Net Income$2,707,937
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$432,321,238
Liabilities
$387,183,155
Net assets
$45,138,083
Revenue
$24,511,023
Expenses
$21,803,086
Net income
$2,707,937
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$432$387$45.1$24.5$21.8$2.71
2014Detailed filing. Detailed filing data is available for this year.$421$379$42.4$22.9$20.8$2.13
2013Detailed filing. Detailed filing data is available for this year.$362$321$40.4$22.5$20.9$1.61
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$287$254$32.7$17.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$264$234$30.7$17.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$234$205$29.3$15.5
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 8, 2016
Return Version
2015v2.1
Gross Receipts
$24,516,949
Mission and Program Overview

Mission

Being a member-owned, not-for-profit financial organization allows us to keep the member's interest in the forefront. Therefore, keeping up with recent technology and the needs of the people who own us is our mission. We do this by constantly striving to provide quality services in our competitive market while maintaining a sound financial institution.

"helping members achieve their financial success" by providing to them financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$295,797,849$349,450,662▲ $53,652,813
Rtn Earn Endowment Incm Other Fnds$42,437,831$45,138,083▲ $2,700,252
Savings and Temporary Cash Investments$83,695,044$39,881,029▼ $43,814,015
Land, Buildings, and Equipment, Net$18,543,544$18,828,927▲ $285,383
Cash and Non-Interest-Bearing Accounts$7,797,415$7,769,634▼ $27,781
Prepaid Expenses and Deferred Charges$2,235,028$2,620,216▲ $385,188
Receivables From Officers Etc$1,644,024$1,978,963▲ $334,939
Accounts Receivable$978,048$989,775▲ $11,727
Investments Program Related$221,527$225,123▲ $3,596
Investments Other Securities$208,267$152,238▼ $56,029
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$421,254,210$432,321,238▲ $11,067,028
Other Assets Total$10,133,464$10,424,671▲ $291,207
Liabilities
Other Liabilities$374,943,368$384,874,449▲ $9,931,081
Accounts Payable and Accrued Expenses$3,873,011$2,308,706▼ $1,564,305
Total Liabilities$378,816,379$387,183,155▲ $8,366,776
Net Assets / Fund Balance
Total Net Assets Fund Balance$42,437,831$45,138,083▲ $2,700,252
Total Liabilities and Net Assets / Fund Balance$421,254,210$432,321,238▲ $11,067,028

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,625,437$3,538,873$17,164,310
Equipment$529,023$7,626,645$8,155,668
Land$4,451,991-$4,451,991
Other Land Buildings$222,476$279,310$501,786
Compensation and Service Providers
Top Officer Pay19th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mark RosaPresident/CEOFT$251,065$61,245$312,310
Carie LopezVP of LendingFT$151,768$80,330$232,098
Kristin MorrisonVP of OperationsFT$126,228$39,865$166,093
Rob CrowleyChief Technology OfficerFT$128,631$28,154$156,785
Casey KuceraVP of FinanceFT$122,229$31,093$153,322
Sharon WegnerTreasurer-$1,886-$1,886

Board Members and Trustees

NameTitle
Feleciano Mendoza JrChairman
Susan BloomVice Chairman
Barbara DuplantisDirector
Floyd GraysonDirector
George HorneDirector
Lloyd J ClarkDirector
Nathan WinesberryDirector
Joann TassinSecretary
Juan Filos JrSupervisory Committee Chai
Betty WebbSupervisory Committee Memb
Melissa MatherneSupervisory Committee Memb
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$18,026,560
Investment Income
$232,846
Other Revenue
$6,251,617
Change in Net Assets
$2,707,937

Audited Revenue Reconciliation

Revenue per Audited Statements
$24,511,023
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$24,511,023
Total Revenue per Form 990
$24,511,023
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,356,488
Salaries, Compensation, and Employee Benefits$8,446,598
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,999,947
Advertising---$1,896,255
Interest---$1,837,039
Depreciation Depletion---$1,267,063
Occupancy---$868,010
Current Officers, Directors, Trustees, and Key Employees---$867,712
All Other Expenses---$759,646
Payroll Taxes---$527,964
Other Employee Benefits---$527,489
Pension Plan Contributions---$523,486
Fees for Services Other---$396,961
Other Expenses---$393,357
Insurance---$272,961
Conferences and Meetings---$195,637
Office Expenses---$72,128
Fees for Services Accounting---$31,425
Fees for Services Legal---$28,500
Travel---$26,236
Total Functional Expenses$0$0$0$21,803,086

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$21,803,086
Total Expenses per Audited Statements$21,803,086
Total Expenses per Form 990$21,803,086
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Steve KleinSon-in-law to Carrie Lopez, Vp of LendingReplacement of Windshields of Reposessed Vehicles.No$8,287
Kristin MorrisonVp of OperationsLearning Software for Frontline Staff.No$3,157

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,644,024$1,978,963▲ $334,939
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share & Deposit Accounts$290,738,419
Line of Credit$72,000,000
Nonmember Certificates$22,136,000
Accrued Interest Payable$30
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
Yes
Business relationship with organization members
Yes
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

“Each member of the organization has one equitable voting share per elected position.”

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

“Each member of the organization has one equitable voting share and may elect to participate in the election of the governing body.”

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

“In the event that another institution wanted to acquire jfcu through merger, the membership of our credit union would hold a special meeting to vote on the proposal.”

Form 990, Part VI, Section A, Line 8B

“The supervisory committee did not keep minutes of their regular meetings.”

Form 990, Part VI, Section B, Line 11

“The tax forms will be reviewed by senior management for correctness and accuracy.”

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

“Incidents or concerns are required to be reported immediately to an employee's supervisor. Compliance also updates periodically the restrictions as to whose accounts each employee can gain access.”

Form 990, Part VI, Section B, Line 15

“Compensation is based on an industry survey obtained annually. The board of directors approves the salary ranges for each job type.”

Form 990, Part VI, Section C, Line 19

“Financial statements are published on the 5300 report available on ncua's website.”

Filing and Contact Details

Filer

Filer Name
Jefferson Financial Credit Union
EIN
72-0649178
Phone
5043716300
Address
7701 AIRLINE DRIVE, METAIRIE, LA 70003

Signing Officer

Name
Casey Kucera
Title
Vice President of Finance
Phone
5043716300
Signed
2016-11-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mark Rosa
Formed
1966
Legal Domicile
La
Voting Board Members
9
Independent Board Members
9
Employees
175
Volunteers
12

Preparer

Firm
Postlethwaite & Netterville
Address
8550 UNITED PLAZA BLVD SUITE 1001, BATON ROUGE, LA 70809
Preparer
Jon Leblanc
Phone
2259224600
Supplemental Narrative

Additional Explanations

Part XII, Line 2C

“The organization has a board-appointed supervisory committee that is responsible for the selection of the independent auditor. No changes from the prior year were made to this oversight process.”

Financial Statement Notes

PART IV, LINE 2B:

“In 2011, the organization began the servicing of escrow accounts for its mortgage members.”

PART X, LINE 2:

“The credit union is exempt by statute from federal and state income taxes, except for certain products and services deemed by the irs to be unrelated to the credit union's exempt purpose.”

Raw XML AppendixShowing 400 of 796 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
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IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7SUPERVISORY COMMITTEE CHAI
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY COMMITTEE MEMB
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPERVISORY COMMITTEE MEMB
IRS990/Form990PartVIISectionAGrp/TitleTxt10SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt14PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF TECHNOLOGY OFFICER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01966
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0-5926
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt024516949
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt0272961
IRS990/InterestGrp/TotalAmt01837039
IRS990/InvestmentIncomeGrp/ExclusionAmt0238772
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0238772
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0208267
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0152238
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0221527
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0225123
IRS990/IRPDocumentCnt08880
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt011444828
IRS990/LandBldgEquipBasisNetGrp/BOYAmt018543544
IRS990/LandBldgEquipBasisNetGrp/EOYAmt018828927
IRS990/LandBldgEquipCostOrOtherBssAmt030273755
IRS990/LegalDomicileStateCd0LA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt05926
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt0384680
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0384680
IRS990/MissionDesc0BEING A MEMBER-OWNED, NOT-FOR-PROFIT FINANCIAL ORGANIZATION ALLOWS US TO KEEP THE MEMBER'S INTEREST IN THE FOREFRONT. THEREFORE, KEEPING UP WITH RECENT TECHNOLOGY AND THE NEEDS OF THE PEOPLE WHO OWN US IS OUR MISSION. WE DO THIS BY CONSTANTLY STRIVING TO PROVIDE QUALITY SERVICES IN OUR COMPETITIVE MARKET WHILE MAINTAINING A SOUND FINANCIAL INSTITUTION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt042437831
IRS990/NetAssetsOrFundBalancesEOYAmt045138083
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-5926
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-5926
IRS990/NetUnrelatedBusTxblIncmAmt0-172888
IRS990/NetUnrlzdGainsLossesInvstAmt0-7685
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0868010
IRS990/OfficeExpensesGrp/TotalAmt072128
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt010133464
IRS990/OtherAssetsTotalGrp/EOYAmt010424671
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0527489
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOSSES
IRS990/OtherExpensesGrp/Desc2EQUIPMENT MAINTENANCE &
IRS990/OtherExpensesGrp/Desc3FRAUD AND DRAFT LOSSES
IRS990/OtherExpensesGrp/TotalAmt02924434
IRS990/OtherExpensesGrp/TotalAmt11809586
IRS990/OtherExpensesGrp/TotalAmt2577250
IRS990/OtherExpensesGrp/TotalAmt3393357
IRS990/OtherLiabilitiesGrp/BOYAmt0374943368
IRS990/OtherLiabilitiesGrp/EOYAmt0384874449
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0NSF OVERDRAFT FEES
IRS990/OtherRevenueMiscGrp/Desc1OTHER FEES
IRS990/OtherRevenueMiscGrp/Desc2MISCELLANEOUS
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt03692363
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt11780934
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2393640
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt03692363
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11780934
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2393640
IRS990/OtherRevenueTotalAmt06251617
IRS990/OtherSalariesAndWagesGrp/TotalAmt05999947
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0295797849
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0349450662
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0527964
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0523486
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02235028
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02620216
IRS990/PrincipalOfficerNm0MARK ROSA
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME ON OUTSTANDING LO
IRS990/ProgramServiceRevenueGrp/Desc1VISA CREDIT CARD INCOME
IRS990/ProgramServiceRevenueGrp/Desc2SALE OF INSURANCE POLICIES
IRS990/ProgramServiceRevenueGrp/Desc3OTHER SHARE ACCOUNT FEES
IRS990/ProgramServiceRevenueGrp/Desc4NON-MEMBER ATM INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt015884581
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11543056
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2397288
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3133000
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt015884581
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11543056
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2397288
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3133000
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt468635
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt068635
IRS990/ProgSrvcAccomActy2Grp/Desc0WE GIVE OUR MEMBERS THE OPPORTUNITY TO SAVE THROUGH THE PURCHASE OF CERTIFICATES OF DEPOSIT WHICH RANGE FROM 6 MONTHS TO 5 YEARS IN TERM WITH A MINIMUM REQUIRED DEPOSIT OF $1,000.
IRS990/ProgSrvcAccomActy3Grp/Desc0GIVING THE OPPORTUNITY FOR OUR MEMBERS TO PURCHASE HOMES BY PROVIDING MORTGAGES AND SECURED FINANCING FOR OTHER CONSUMER PURCHASES, SUCH AS USED VEHICLES AND CREDIT CARDS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt030075
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0363205
IRS990/PYOtherExpensesAmt012628669
IRS990/PYOtherRevenueAmt05306762
IRS990/PYProgramServiceRevenueAmt017222389
IRS990/PYRevenuesLessExpensesAmt02129497
IRS990/PYSalariesCompEmpBnftPaidAmt08164265
IRS990/PYTotalExpensesAmt020792934
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt022922431
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01644024
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01978963
IRS990/ReconcilationRevenueExpnssAmt02707937
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt042437831
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt045138083
IRS990/SavingsAndTempCashInvstGrp/BOYAmt083695044
IRS990/SavingsAndTempCashInvstGrp/EOYAmt039881029
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AdditionsDuringYearAmt0939975
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BeginningBalanceAmt0206214
IRS990ScheduleD/BuildingsGrp/BookValueAmt013625437
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03538873
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt017164310
IRS990ScheduleD/DistributionsDuringYearAmt0883165
IRS990ScheduleD/EndingBalanceAmt0263024
IRS990ScheduleD/EquipmentGrp/BookValueAmt0529023
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07626645
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt08155668
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt021803086
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt04451991
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04451991
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0222476
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0279310
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0501786
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0290738419
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt130
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt272000000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt322136000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE & DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED INTEREST PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2LINE OF CREDIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3NONMEMBER CERTIFICATES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt024511023
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0IN 2011, THE ORGANIZATION BEGAN THE SERVICING OF ESCROW ACCOUNTS FOR ITS MORTGAGE MEMBERS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL AND STATE INCOME TAXES, EXCEPT FOR CERTAIN PRODUCTS AND SERVICES DEEMED BY THE IRS TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt018828927
IRS990ScheduleD/TotalExpensesPerForm990Amt021803086
IRS990ScheduleD/TotalLiabilityAmt0384874449
IRS990ScheduleD/TotalRevenuePerForm990Amt024511023
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt024511023
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt021803086
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0122229
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1126228

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