Civic Intelligence

Oklahoma Central Credit Union

990 • Fiscal year 2013 • EIN 73-0731221

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 17, 2014

Organization ProfileWWW.OCCU.ORG

View Organization Page

4956 S Peoria Ave74105

(918) 664-6000

Siviq Scores

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

Liabilities / Assets

26th percentile

0.88x

Higher debt load relative to assets than 26% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

72nd percentile

20.61x

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

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

19th percentile

7.6%

Higher net margin than 19% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

88th percentile

$615,670

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

11th percentile

0.3%

Faster asset growth than 11% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Balance Sheet
Liabilities / Assets26th percentile

Assets

Up

$476,176,474

Up $1,268,748 (+0.3%) from 2012

Net Assets

Down

$58,891,779

Down $4,521,072 (-7.1%) from 2012

Liabilities

Up

$417,284,695

Up $5,789,820 (+1.4%) from 2012

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin19th percentile

Revenue

$20,248,131

No earlier filing loaded for comparison.

Expenses

Down

$18,711,980

Down $306,800 (-1.6%) from 2012

Net Income

$1,536,151

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

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

$800M$600M$400M$200M$0Assets 2011: $445,999,699Liabilities 2011: $386,398,359Net Assets 2011: $59,601,3402011Assets 2012: $474,907,726Liabilities 2012: $411,494,875Net Assets 2012: $63,412,8512012Assets 2013: $476,176,474Liabilities 2013: $417,284,695Net Assets 2013: $58,891,7792013Assets 2014: $493,391,510Liabilities 2014: $428,892,397Net Assets 2014: $64,499,1132014Assets 2015: $511,786,434Liabilities 2015: $445,676,725Net Assets 2015: $66,109,7092015Assets 2016: $531,190,187Liabilities 2016: $462,668,598Net Assets 2016: $68,521,5892016Assets 2017: $539,487,608Liabilities 2017: $467,532,624Net Assets 2017: $71,954,9842017Assets 2018: $554,749,561Liabilities 2018: $482,598,343Net Assets 2018: $72,151,2182018Assets 2019: $580,520,428Liabilities 2019: $503,673,988Net Assets 2019: $76,846,4402019Assets 2020: $662,316,829Liabilities 2020: $578,674,644Net Assets 2020: $83,642,1852020Assets 2021: $713,131,238Liabilities 2021: $630,443,132Net Assets 2021: $82,688,1062021Assets 2022: $692,106,442Liabilities 2022: $629,259,241Net Assets 2022: $62,847,2012022Assets 2023: $672,849,029Liabilities 2023: $598,404,663Net Assets 2023: $74,444,3662023Assets 2024: $686,876,830Liabilities 2024: $605,739,032Net Assets 2024: $81,137,7982024

Highlighted filing

2013

Assets$476,176,474
Liabilities$417,284,695
Net Assets$58,891,779
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$40M$30M$20M$10M$0Expenses 2011: $19,961,9512011Expenses 2012: $19,018,7802012Revenue 2013: $20,248,131Expenses 2013: $18,711,980Net Income 2013: $1,536,1512013Revenue 2014: $20,949,007Expenses 2014: $18,408,098Net Income 2014: $2,540,9092014Revenue 2015: $20,921,966Expenses 2015: $18,734,046Net Income 2015: $2,187,9202015Revenue 2016: $24,830,862Expenses 2016: $22,203,831Net Income 2016: $2,627,0312016Revenue 2017: $27,082,459Expenses 2017: $24,225,515Net Income 2017: $2,856,9442017Revenue 2018: $27,287,380Expenses 2018: $26,470,285Net Income 2018: $817,0952018Revenue 2019: $29,411,171Expenses 2019: $27,068,863Net Income 2019: $2,342,3082019Revenue 2020: $28,267,614Expenses 2020: $24,975,455Net Income 2020: $3,292,1592020Revenue 2021: $26,539,012Expenses 2021: $22,526,783Net Income 2021: $4,012,2292021Revenue 2022: $26,582,769Expenses 2022: $22,766,019Net Income 2022: $3,816,7502022Revenue 2023: $34,863,456Expenses 2023: $28,010,061Net Income 2023: $6,853,3952023Revenue 2024: $38,207,802Expenses 2024: $33,147,541Net Income 2024: $5,060,2612024

Highlighted filing

2013

Revenue$20,248,131
Expenses$18,711,980
Net Income$1,536,151
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 17, 2014
Return Version
2013v3.0
Gross Receipts
$52,193,507
Mission and Program Overview

Mission

Oklahoma central credit union is a 501(c)(14), state chartered credit union. Oklahoma central credit union provides consumer and business financial services to include deposit accounts, investments, and loans. Our mission is to make a difference in the lives of our employees, members, and the communities we serve.

Oklahoma central credit union is a 501(c)(14) state chartered credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$222,058,048$215,850,679▼ $6,207,369
Other Notes and Loans Receivable, Net$200,823,008$206,020,204▲ $5,197,196
Rtn Earn Endowment Incm Other Fnds$63,412,851$58,891,779▼ $4,521,072
Cash and Non-Interest-Bearing Accounts$27,145,831$22,561,879▼ $4,583,952
Land, Buildings, and Equipment, Net$17,105,459$18,855,258▲ $1,749,799
Accounts Receivable$1,517,979$1,466,451▼ $51,528
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$474,907,726$476,176,474▲ $1,268,748
Other Assets Total$6,257,401$11,422,003▲ $5,164,602
Liabilities
Other Liabilities$409,569,662$415,162,187▲ $5,592,525
Accounts Payable and Accrued Expenses$1,579,399$1,792,466▲ $213,067
Escrow Account Liability$345,814$330,042▼ $15,772
Total Liabilities$411,494,875$417,284,695▲ $5,789,820
Net Assets / Fund Balance
Total Net Assets Fund Balance$63,412,851$58,891,779▼ $4,521,072
Total Liabilities and Net Assets / Fund Balance$474,907,726$476,176,474▲ $1,268,748

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,419,714$4,228,320$11,648,034
Land$7,733,742-$7,733,742
Equipment$2,219,755$4,952,990$7,172,745
Leasehold Improvements$1,482,047$60,348$1,542,395
Other Securities$1,442,056--
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gina WilsonCEOFT$242,977$372,693$615,670
Carolyn ToalsonExecutive VPFT$165,017$62,822$227,839
Steve McnabbCbdoFT$118,177$30,674$148,851
Brad ScheidtCFOFT$113,297$10,542$123,839
Lisa PalmerCIOFT$107,086$14,903$121,989
Leilani HarpoleCAOFT$100,641$17,699$118,340

Board Members and Trustees

NameTitle
Tom HilleChair
Penny ColantonioVice Chair
Andy MurphreeDirector
Brooke HamiltonDirector
Jerry HendersonDirector
Jim MullingsDirector
Joe PittsSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Hunter ConstructionConstruction-$1,890,590
TransfundAtm Processing-$728,310
Xp SystemsComputer-$658,943
Digital InsightStatements/home Banking-$594,400
AcrobatantMarketing-$369,628
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,555,187
Investment Income
$3,783,987
Other Revenue
$1,908,957
Change in Net Assets
$1,536,151

Audited Revenue Reconciliation

Revenue per Audited Statements
$20,248,131
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$20,248,131
Total Revenue per Form 990
$20,248,131
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,493,041
Salaries, Compensation, and Employee Benefits$7,247,416
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,999,438
Office Expenses---$2,837,783
Benefits to Members---$1,971,523
Information Technology---$1,566,595
Occupancy---$1,253,541
Depreciation Depletion---$1,234,381
Current Officers, Directors, Trustees, and Key Employees---$967,348
Other Employee Benefits---$748,490
Advertising---$676,800
Payroll Taxes---$450,418
Fees for Services Management---$350,499
Fees for Services Accounting---$144,552
Insurance---$111,026
Travel---$109,544
Fees for Services Legal---$86,404
Pension Plan Contributions---$81,722
Other Expenses---$56,130
Interest---$622
Total Functional Expenses$0$0$0$18,711,980

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$18,711,980
Total Expenses per Audited Statements$18,711,980
Total Expenses per Form 990$18,711,980
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES$415,162,187
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union's members have rights to elect the members of the governing body. The credit union's members also receive a share of the organization's profits in the form of cash dividends.”

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

“Members of the credit union have the right to elect one or more members of the organizations governing body, whether periodically, as vacancies arise, or otherwise.”

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

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11

“The cfo reviews form 990 and discusses it with the ceo. A report is then presented to the board of directors before filing with the irs.”

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

“Annually, all employees, bod and volunteers sign conflict of interest policy; internal audits are performed on employee accounts and the hr area; employee accounts are reviewed monthly via hr and the ceo; annually employees must disclose accounts that they are primary or joint on and any accounts of immediate family members; an official family report is presented to the bod monthly on loan status.”

Form 990, Part VI, Section B, Line 15

“A third party compensation consultant services is used. Software is provided to administer and maintain compensation levels of all staff. Compensation is based on job evaluations and grade levels. Grade levels dictate whether range is at the national, regional or local levels. Overall grade level system testing is done periodically and for specific occurrences with an outside consultant when new positions are added or at the request of the credit union. A compensation salary survey compiled by national association is provided to the bod. The bod uses survey and grade level information to evaluate ceo. Bod meets independently of regular meeting for compensation discussion annually of ceo.”

Form 990, Part VI, Section C, Line 19

“The statement of financial condition is posted monthly in all branch locations and key statistics are posted on the website. All information can be viewed on the call report quarterly through the ncua.gov website. Audited financial statements are made available upon request. Annual reports are provided to membership at the annual meeting. Any public requested documents are made available for the same period of disclosure as set forth in section 6104(d).”

Filing and Contact Details

Filer

EIN
73-0731221
Phone
9186646000

Signing Officer

Name
Brad Scheidt
Title
CFO
Phone
9186646000
Signed
2014-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gina Wilson
Formed
1941
Legal Domicile
Ok
Voting Board Members
7
Independent Board Members
7
Employees
168
Volunteers
12

Preparer

Preparer
Gerald B Kissell
Phone
6123324300
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“Escrow accounts are maintained by the credit union for the benefit of paying taxes and/or insurance on behalf of mortgage holders.”

PART X, LINE 2:

“The credit union adopted the income tax standards for uncertain tax positions. As a result, the credit union evaluated its tax positions and determined no uncertain tax positions exist as of december 31, 2013 and 2012.”

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm9CAROLYN TOALSON
IRS990/Form990PartVIISectionAGrp/PersonNm10STEVE MCNABB
IRS990/Form990PartVIISectionAGrp/PersonNm11LISA PALMER
IRS990/Form990PartVIISectionAGrp/PersonNm12LEILANI HARPOLE
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7291199
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8113297
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9187339
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10118177
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11107086
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12100641
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9EXECUTIVE VP
IRS990/Form990PartVIISectionAGrp/TitleTxt10CBDO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CAO
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IRS990/Form990TFiledInd01
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
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IRS990/GrantsToOrganizationsInd00
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IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt032667153
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IRS990/IndoorTanningServicesInd00
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IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InsuranceGrp/TotalAmt0111026
IRS990/InterestGrp/TotalAmt0622
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IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt018855258
IRS990/LandBldgEquipCostOrOtherBssAmt028096916
IRS990/LegalDomicileStateCd0OK
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IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt031910440
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0OKLAHOMA CENTRAL CREDIT UNION IS A 501(C)(14), STATE CHARTERED CREDIT UNION. OKLAHOMA CENTRAL CREDIT UNION (OCCU) PLEDGES TO BE THE BEST CONSUMER FINANCIAL ORGANIZATION IN THE STATE OF OKLAHOMA BY PROVIDING SUPERIOR PRODUCTS AND SERVICES TO THE MEMBER/OWNERS OF OCCU; BY PROVIDING SUPERIOR GROUP BENEFITS AND SERVICES TO SELECT EMPLOYEE GROUPS OF OCCU; AND BY PROVIDING A WORK ENVIRONMENT THAT ALLOWS EVERY EMPLOYEE AN OPPORTUNITY TO ACHIEVE THEIR FULL POTENTIAL THROUGH MUTUAL COMMITMENT, CONTRIBUTION, AND DEDICATION TO THEIR CAREER AT OCCU.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt063412851
IRS990/NetAssetsOrFundBalancesEOYAmt058891779
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0754912
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0754912
IRS990/NetUnrelatedBusTxblIncmAmt0-34207
IRS990/NetUnrlzdGainsLossesInvstAmt0-6057223
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01253541
IRS990/OfficeExpensesGrp/TotalAmt02837783
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06257401
IRS990/OtherAssetsTotalGrp/EOYAmt011422003
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0748490
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1SHARE INCOME TAX
IRS990/OtherExpensesGrp/Desc2OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc3STATE INCOME TAX
IRS990/OtherExpensesGrp/TotalAmt0506487
IRS990/OtherExpensesGrp/TotalAmt1328553
IRS990/OtherExpensesGrp/TotalAmt2230124
IRS990/OtherExpensesGrp/TotalAmt356130
IRS990/OtherLiabilitiesGrp/BOYAmt0409569662
IRS990/OtherLiabilitiesGrp/EOYAmt0415162187
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER NON-INTEREST INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01908957
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01908957
IRS990/OtherRevenueTotalAmt01908957
IRS990/OtherSalariesAndWagesGrp/TotalAmt04999438
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0200823008
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0206020204
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0450418
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt081722
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0GINA WILSON
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME ON LOANS TO MEMBE
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES AND OTHER FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt010971441
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13459561
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt010971441
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13583746
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0124185
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE ENHANCED ACCESS TO CREDIT AT REASONABLE RATES - THE CREDIT UNION USES A PRUDENT LENDING PHILOSOPHY TO OFFER VARIOUS LOAN PRODUCTS AT A LOW COST FOR MEMBERS TO FINANCE THEIR HOMES, AUTOMOBILES, BOATS, COLLEGE EXPENSES, ETC. DURING 2013, THE CREDIT UNION APPROVED 5,360 LOAN REQUESTS FOR OVER $109.6M. A TOTAL OF 358 REAL ESTATE LOANS WERE APPROVED WITH A DOLLAR AMOUNT OF $36.9M. WE CONTINUED TO OFFER FHA REAL ESTATE LOANS AND MADE A TOTAL OF 18 FOR $2.4M. IN THE MEMBER BUSINESS ARENA, WE APPROVED 27 COMMERCIAL LOAN REQUESTS TOTALING $9.8M FOR MEMBERS. THE CREDIT UNION IS IN ITS SIXTH YEAR OF COMMERCIAL LENDING - A DIRECT RESPONSE TO OUR SMALL BUSINESS OWNERS' REQUESTS FOR FINANCIAL SERVICES. PRODUCT OFFERINGS ALSO INCLUDED SHORTER TERM (7-YEAR) MORTGAGE LOANS AT LOWER RATES. THE CREDIT UNION CONTINUES OFFERING HOME PROTECTION LOANS (STORM SHELTERS, GENERATORS, ETC.) AT A VERY LOW INTEREST RATE IN ORDER TO HELP MEMBERS AFFORD THE COSTLY EXPENSE OF ADDING A FORTIFIED STORM SHELTER AND BACKUP POWER GENERATION TO THEIR RESIDENCE.
IRS990/ProgSrvcAccomActy3Grp/Desc0COMMUNITY INVOLVEMENT: OKLAHOMA CENTRAL CREDIT UNION CONTINUES TO SUPPORT AND BE ACTIVE IN THE COMMUNITIES WE SERVE. IN 2013, TO SUPPORT OKLAHOMA'S TORNADO RELIEF EFFORTS, OKLAHOMA CENTRAL STAFF RAISED FUNDS FOLLOWING TORNADOS THAT DEVASTATED DIFFERENT PARTS OF OKLAHOMA. IN JUNE, A SIZABLE DONATION WAS SUBMITTED TO THE OKLAHOMA CREDIT UNION FOUNDATION TO SUPPORT AFFECTED EMPLOYEES FROM OTHER CREDIT UNIONS IN THOSE AREAS TO HELP RESTORE AND REBUILD. OKLAHOMA CENTRAL PROVIDED A FINANCIAL LITERACY WORKSHOP SERIES LAUNCHED FOR PARENTS OF STUDENTS ATTENDING KIPP COLLEGE PREPARATORY SCHOOL. AT THE END OF THE PROGRAM SERIES, THREE LAPTOPS WERE GIVEN AWAY, ONE FOR EACH PARENT WITH PERFECT ATTENDANCE. OKLAHOMA CENTRAL PROVIDED A SERIES OF FREE WEBINARS HELD THROUGHOUT THE YEAR COVERING A VARIETY OF FINANCIAL TOPICS. CONTESTS WERE HELD THROUGHOUT THE ORGANIZATION TO RAISE FUNDS FOR UNITED WAY WHICH INCLUDED A CHILI CONTEST, RAFFLES FOR PRIZES AND MUCH MORE. IN OCTOBER OF 2013, THE CREDIT UNION, ALONG WITH STAFF AND FAMILY MEMBERS, JOINED THE COMMUNITY BY PARTICIPATING ONCE AGAIN IN THE BOO HA HA PARADE. IN DECEMBER, OKLAHOMA CENTRAL TEAMED UP WITH TOYS FOR TOTS BY COLLECTING NEW, UNWRAPPED TOYS TO BE DISTRIBUTED AS CHRISTMAS GIFTS TO LESS FORTUNATE CHILDREN. DURING 2013, THE CREDIT UNION ALLOWED STAFF 8 PAID HOURS OF COMMUNITY SERVICE. IN OCTOBER, IT WAS ANNOUNCED THAT THE CREDIT UNION WOULD ALLOW 40 HOURS OF COMMUNITY SERVICE HOURS WITH PAY PER YEAR AS OUR ONGOING EFFORT TO GIVE BACK TO THE COMMUNITIES THAT WE SERVE. SEVERAL STAFF MEMBERS HAVE VOLUNTEERED FOR VARIOUS SCHOOL AND COMMUNITY EVENTS AND OTHER ORGANIZATIONS TO INCLUDE SPECIAL OLYMPICS, EMERGENCY INFANT SERVICES, AND UNITED WAY JUST TO NAME A FEW.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt02927952
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt06898292
IRS990/PYOtherExpensesAmt09229591
IRS990/PYOtherRevenueAmt01876394
IRS990/PYProgramServiceRevenueAmt014310374
IRS990/PYRevenuesLessExpensesAmt04066280
IRS990/PYSalariesCompEmpBnftPaidAmt06861237
IRS990/PYTotalExpensesAmt019018780
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt023085060
IRS990/ReconcilationRevenueExpnssAmt01536151
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt063412851
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt058891779
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt07419714
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04228320
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt011648034
IRS990ScheduleD/EquipmentGrp/BookValueAmt02219755
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04952990
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt07172745
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt018711980
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt07733742
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt07733742
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01482047
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt060348
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01542395
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0415162187
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0214408623
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11442056
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AVAILABLE FOR SALE INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt020248131
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ESCROW ACCOUNTS ARE MAINTAINED BY THE CREDIT UNION FOR THE BENEFIT OF PAYING TAXES AND/OR INSURANCE ON BEHALF OF MORTGAGE HOLDERS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION ADOPTED THE INCOME TAX STANDARDS FOR UNCERTAIN TAX POSITIONS. AS A RESULT, THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2013 AND 2012.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
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IRS990ScheduleD/TotalBookValueSecuritiesAmt0215850679
IRS990ScheduleD/TotalExpensesPerForm990Amt018711980
IRS990ScheduleD/TotalLiabilityAmt0415162187
IRS990ScheduleD/TotalRevenuePerForm990Amt020248131
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt020248131
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt018711980
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount047808
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount121548
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0303318
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt140500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt021153
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0414

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Filings

Displayed year

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

Open filing
Assets
$476,176,474
Liabilities
$417,284,695
Net assets
$58,891,779
Revenue
$20,248,131
Expenses
$18,711,980
Net income
$1,536,151
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$687$606$81.1$38.2$33.1$5.06
2023Summary only. Only limited summary data is available for this year.$673$598$74.4$34.9$28.0$6.85
2022Summary only. Only limited summary data is available for this year.$692$629$62.8$26.6$22.8$3.82
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$713$630$82.7$26.5$22.5$4.01
2020Summary only. Only limited summary data is available for this year.$662$579$83.6$28.3$25.0$3.29
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$581$504$76.8$29.4$27.1$2.34
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$555$483$72.2$27.3$26.5$0.82
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$539$468$72.0$27.1$24.2$2.86
2016Summary only. Only limited summary data is available for this year.$531$463$68.5$24.8$22.2$2.63
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$512$446$66.1$20.9$18.7$2.19
2014Detailed filing. Detailed filing data is available for this year.$493$429$64.5$20.9$18.4$2.54
2013Detailed filing. Detailed filing data is available for this year.$476$417$58.9$20.2$18.7$1.54
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$475$411$63.4$19.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$446$386$59.6$20.0