Civic Intelligence

Oklahomas Credit Union

990 • Fiscal year 2017 • EIN 73-6093655

Jan 01, 2017 to Dec 31, 2017 • Filed on May 10, 2018

Organization Profilewww.okcu.org

View Organization Page

3001 N LincolnOklahoma City, OK 73105

(405) 606-6328

Siviq Scores

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

Liabilities / Assets

26th percentile

0.87x

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

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

66th percentile

19.31x

Higher debt load relative to revenue than 66% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

64th percentile

15%

Higher net margin than 64% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

59th percentile

$443,692

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

28th percentile

2.8%

Faster asset growth than 28% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

7th percentile

0.4%

Faster revenue growth than 7% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets26th percentile

Assets

Up

$506,913,522

Up $13,624,322 (+2.8%) from 2016

Net Assets

Up

$64,276,130

Up $4,850,900 (+8.2%) from 2016

Liabilities

Up

$442,637,392

Up $8,773,422 (+2.0%) from 2016

Revenue And Expenses
Liabilities / Revenue66th percentileNet Margin64th percentile

Revenue

Up

$22,917,831

Up $85,647 (+0.4%) from 2016

Expenses

Up

$19,406,852

Up $412,167 (+2.2%) from 2016

Net Income

Down

$3,510,979

Down $326,520 (-8.5%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth28th percentile

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

$800M$600M$400M$200M$0Assets 2010: $337,678,600Liabilities 2010: $301,684,900Net Assets 2010: $35,993,7002010Assets 2011: $381,310,313Liabilities 2011: $339,983,264Net Assets 2011: $41,327,0492011Assets 2012: $411,593,226Liabilities 2012: $367,642,245Net Assets 2012: $43,950,9812012Assets 2013: $418,857,881Liabilities 2013: $369,319,958Net Assets 2013: $49,537,9232013Assets 2014: $468,663,846Liabilities 2014: $414,084,047Net Assets 2014: $54,579,7992014Assets 2015: $484,414,592Liabilities 2015: $427,477,859Net Assets 2015: $56,936,7332015Assets 2016: $493,289,200Liabilities 2016: $433,863,970Net Assets 2016: $59,425,2302016Assets 2017: $506,913,522Liabilities 2017: $442,637,392Net Assets 2017: $64,276,1302017Assets 2018: $514,947,178Liabilities 2018: $446,952,801Net Assets 2018: $67,994,3772018Assets 2019: $554,169,771Liabilities 2019: $478,566,099Net Assets 2019: $75,603,6722019Assets 2020: $640,525,305Liabilities 2020: $556,336,000Net Assets 2020: $84,189,3052020Assets 2021: $721,352,699Liabilities 2021: $633,268,523Net Assets 2021: $88,084,1762021Assets 2022: $780,486,193Liabilities 2022: $706,639,851Net Assets 2022: $73,846,3422022Assets 2023: $795,856,556Liabilities 2023: $710,965,116Net Assets 2023: $84,891,4402023

Highlighted filing

2017

Assets$506,913,522
Liabilities$442,637,392
Net Assets$64,276,130
Open 2017 Filing

Operations Trend

Revenue Growth7th percentile

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

$60M$40M$20M$0Expenses 2010: $18,273,9212010Expenses 2011: $16,957,8312011Expenses 2012: $18,144,4292012Revenue 2013: $22,907,824Expenses 2013: $18,512,826Net Income 2013: $4,394,9982013Revenue 2014: $22,945,292Expenses 2014: $18,317,897Net Income 2014: $4,627,3952014Revenue 2015: $23,332,344Expenses 2015: $19,727,332Net Income 2015: $3,605,0122015Revenue 2016: $22,832,184Expenses 2016: $18,994,685Net Income 2016: $3,837,4992016Revenue 2017: $22,917,831Expenses 2017: $19,406,852Net Income 2017: $3,510,9792017Revenue 2018: $24,413,992Expenses 2018: $20,053,969Net Income 2018: $4,360,0232018Revenue 2019: $27,815,062Expenses 2019: $23,309,651Net Income 2019: $4,505,4112019Revenue 2020: $32,680,789Expenses 2020: $26,578,890Net Income 2020: $6,101,8992020Revenue 2021: $32,235,785Expenses 2021: $24,515,442Net Income 2021: $7,720,3432021Revenue 2022: $35,089,977Expenses 2022: $28,143,704Net Income 2022: $6,946,2732022Revenue 2023: $43,455,996Expenses 2023: $36,993,003Net Income 2023: $6,462,9932023

Highlighted filing

2017

Revenue$22,917,831
Expenses$19,406,852
Net Income$3,510,979
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 10, 2018
Return Version
2017v2.0
Gross Receipts
$37,638,771
Mission and Program Overview

Mission

Providing members with competitive savings and loan products and services so that they can do more with their money.

Helping Oklahomans do more with their money.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$323,017,670$345,926,226▲ $22,908,556
Investments in Publicly Traded Securities$127,771,345$107,579,076▼ $20,192,269
Rtn Earn Endowment Incm Other Fnds$50,888,225$55,739,125▲ $4,850,900
Savings and Temporary Cash Investments$17,757,333$28,961,142▲ $11,203,809
Land, Buildings, and Equipment, Net$15,250,965$14,867,783▼ $383,182
Pd in Cap Srpls Land Bldg Eqp Fund$8,537,005$8,537,005→ $0
Cash and Non-Interest-Bearing Accounts$2,112,009$2,435,341▲ $323,332
Receivables From Officers Etc$363,923$467,662▲ $103,739
Prepaid Expenses and Deferred Charges$554,083$129,994▼ $424,089
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$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
Total Assets$493,289,200$506,913,522▲ $13,624,322
Other Assets Total$6,461,872$6,546,298▲ $84,426
Liabilities
Accounts Payable and Accrued Expenses$394,861,108$399,402,984▲ $4,541,876
Mortgage Notes Payable Secured by Investment Property$38,400,001$42,650,000▲ $4,249,999
Escrow Account Liability$257,787$303,890▲ $46,103
Other Liabilities$345,074$280,518▼ $64,556
Grants Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$433,863,970$442,637,392▲ $8,773,422
Net Assets / Fund Balance
Total Net Assets Fund Balance$59,425,230$64,276,130▲ $4,850,900
Total Liabilities and Net Assets / Fund Balance$493,289,200$506,913,522▲ $13,624,322

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$12,498,763$3,385,590$15,884,353
Land$2,369,020-$2,369,020
Equipment$0$2,355,528$2,355,528
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay59th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mark W KellyPresidentFT$307,307$136,385$443,692
Luann SchmiedelEvpFT$186,394$106,385$292,779
Philip SherwinSenior VP-CTOFT$128,125$48,828$176,953
Scott BellSenior VP-COOFT$126,375$49,312$175,687
Steve GuerreroVice President - Commercial LendingFT$148,650$20,355$169,005
Brian GebardSenior VP-CLOFT$138,100$19,300$157,400
Dusty WebbVice President of HR/TrainingFT$114,955$16,985$131,940

Board Members and Trustees

NameTitle
Mike PattersonChairman
Gary ParsonsBoard Member
Julie BowersBoard Member
Justin JonesBoard Member
Kent TreadwellBoard Member
Kip C SmithBoard Member
Paul RachelBoard Member
Richard E ForemanBoard Member
Mandi PhillipsSecretary/Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$20,406,396
Investment Income
$2,432,582
Other Revenue
$78,853
Change in Net Assets
$3,510,979
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,446,712
Salaries, Compensation, and Employee Benefits$8,960,140
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$5,910,601$0$0$5,910,601
Interest$3,042,492$0$0$3,042,492
Information Technology$1,255,719$0$0$1,255,719
Other Expenses$1,221,993$0$0$1,221,993
Pension Plan Contributions$1,184,326$0$0$1,184,326
Occupancy$774,136$0$0$774,136
Current Officers, Directors, Trustees, and Key Employees$717,524$0$0$717,524
Other Employee Benefits$677,820$0$0$677,820
Payroll Taxes$469,869$0$0$469,869
Advertising$414,615$0$0$414,615
Office Expenses$406,132$0$0$406,132
Depreciation Depletion$383,182$0$0$383,182
Insurance$124,770$0$0$124,770
Fees for Services Accounting$120,000$0$0$120,000
Fees for Services Other$93,625$0$0$93,625
Conferences and Meetings$82,891$0$0$82,891
Fees for Services Legal$55,468$0$0$55,468
Travel$20,637$0$0$20,637
Fees for Services Management$5,184$0$0$5,184
All Other Expenses$-23,934$0$0$-23,934
Total Functional Expenses$19,406,852$0$0$19,406,852
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 Officers, Directors, Trustees, and Key Employees$363,923$467,662▲ $103,739
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other$255,710
Suspense Accounts$12,825
Payroll Taxes Payable$10,270
Dividends Payable$1,713
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“A person becomes a member of the credit union when they open a share (savings) account.”

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

“Election of specific offices are held annually at the credit union's annual meeting.”

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

“The completed Form 990 is presented to the Board of Directors during their monthly meeting.”

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

“Policies are reviewed annually.”

Form 990, Part VI, Section B, Line 15

“Compensation is reviewed annually by the board of directors.”

Form 990, Part VI, Section C, Line 19

“All documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
OKLAHOMA'S CREDIT UNION
EIN
73-6093655
Phone
4056066328
Address
3001 N Lincoln, Oklahoma City, OK 73105

Signing Officer

Name
Mark Kelly
Title
President
Phone
4056066328
Signed
2018-05-10

Organization Details

Principal Officer
Mark W Kelly
Formed
1954
Legal Domicile
Ok
Voting Board Members
9
Independent Board Members
9
Employees
158
Volunteers
9
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Final pension liability adjustment following payout of pension fund.”

Financial Statement Notes

Schedule D, Part IV, Line 2B

“Funds are collected when a mortgage is made and are kept in an escrow account. The funds are later disbursed to pay the member's home insurance premiums and real estate taxes.”

Raw XML AppendixShowing 400 of 881 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/BOYAmt0394861108
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0399402984
IRS990/AccountsReceivableGrp/BOYAmt0323017670
IRS990/AccountsReceivableGrp/EOYAmt0345926226
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Helping Oklahomans do more with their money.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt0414615
IRS990/AdvertisingGrp/TotalAmt0414615
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0-23934
IRS990/AllOtherExpensesGrp/TotalAmt0-23934
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/ProgramServicesAmt00
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0President
IRS990/BooksInCareOfDetail/PhoneNum04056066328
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03001 N Lincoln
IRS990/BooksInCareOfDetail/USAddress/CityNm0Oklahoma City
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OK
IRS990/BooksInCareOfDetail/USAddress/ZIPCd073105
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02112009
IRS990/CashNonInterestBearingGrp/EOYAmt02435341
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0717524
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0717524
IRS990/CompDisqualPersonsGrp/FundraisingAmt00
IRS990/CompDisqualPersonsGrp/ManagementAndGeneralAmt00
IRS990/CompDisqualPersonsGrp/ProgramServicesAmt00
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt082891
IRS990/ConferencesMeetingsGrp/TotalAmt082891
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt02432582
IRS990/CYOtherExpensesAmt010446712
IRS990/CYOtherRevenueAmt078853
IRS990/CYProgramServiceRevenueAmt020406396
IRS990/CYRevenuesLessExpensesAmt03510979
IRS990/CYSalariesCompEmpBnftPaidAmt08960140
IRS990/CYTotalExpensesAmt019406852
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt022917831
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0383182
IRS990/DepreciationDepletionGrp/TotalAmt0383182
IRS990/Desc0Providing members with competitive savings and loan products and services so that they can do more with their money.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0158
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt0257787
IRS990/EscrowAccountLiabilityGrp/EOYAmt0303890
IRS990/ExpenseAmt019406852
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt0120000
IRS990/FeesForServicesAccountingGrp/TotalAmt0120000
IRS990/FeesForServicesLegalGrp/FundraisingAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt055468
IRS990/FeesForServicesLegalGrp/TotalAmt055468
IRS990/FeesForServicesLobbyingGrp/FundraisingAmt00
IRS990/FeesForServicesLobbyingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLobbyingGrp/ProgramServicesAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/FundraisingAmt00
IRS990/FeesForServicesManagementGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesManagementGrp/ProgramServicesAmt05184
IRS990/FeesForServicesManagementGrp/TotalAmt05184
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt093625
IRS990/FeesForServicesOtherGrp/TotalAmt093625
IRS990/FeesForServicesProfFundraising/FundraisingAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/FundraisingAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/ProgramServicesAmt00
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/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt150
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
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/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt951385
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1032438
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1120962
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1221078
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1319300
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1416985
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1520355
IRS990/Form990PartVIISectionAGrp/PersonNm0Kent Treadwell
IRS990/Form990PartVIISectionAGrp/PersonNm1Mike Patterson
IRS990/Form990PartVIISectionAGrp/PersonNm2Richard E Foreman
IRS990/Form990PartVIISectionAGrp/PersonNm3Justin Jones
IRS990/Form990PartVIISectionAGrp/PersonNm4Gary Parsons
IRS990/Form990PartVIISectionAGrp/PersonNm5Paul Rachel
IRS990/Form990PartVIISectionAGrp/PersonNm6Kip C Smith
IRS990/Form990PartVIISectionAGrp/PersonNm7Mandi Phillips
IRS990/Form990PartVIISectionAGrp/PersonNm8Julie Bowers
IRS990/Form990PartVIISectionAGrp/PersonNm9Mark W Kelly
IRS990/Form990PartVIISectionAGrp/PersonNm10Luann Schmiedel
IRS990/Form990PartVIISectionAGrp/PersonNm11Scott Bell
IRS990/Form990PartVIISectionAGrp/PersonNm12Philip Sherwin
IRS990/Form990PartVIISectionAGrp/PersonNm13Brian Gebard
IRS990/Form990PartVIISectionAGrp/PersonNm14Dusty Webb
IRS990/Form990PartVIISectionAGrp/PersonNm15Steve Guerrero
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9392307
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10241394
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11154725
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12155875
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13138100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14114955
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15148650
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/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/TitleTxt0Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Secretary/Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9President
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt11Senior VP-COO
IRS990/Form990PartVIISectionAGrp/TitleTxt12Senior VP-CTO
IRS990/Form990PartVIISectionAGrp/TitleTxt13Senior VP-CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt14Vice President of HR/Training
IRS990/Form990PartVIISectionAGrp/TitleTxt15Vice President - Commercial Lending
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt018740
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt014708356
IRS990/GrossReceiptsAmt037638771
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt0110177
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt09
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt01255719
IRS990/InformationTechnologyGrp/TotalAmt01255719
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt0124770
IRS990/InsuranceGrp/TotalAmt0124770
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt03042492
IRS990/InterestGrp/TotalAmt03042492
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt02413842
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02413842
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0127771345
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0107579076
IRS990/IRPDocumentCnt023012
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05741118
IRS990/LandBldgEquipBasisNetGrp/BOYAmt015250965
IRS990/LandBldgEquipBasisNetGrp/EOYAmt014867783
IRS990/LandBldgEquipCostOrOtherBssAmt020608901
IRS990/LegalDomicileStateCd0OK
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt014689616
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt031324
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Providing members with competitive savings and loan products and services so that they can do more with their money.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt038400001
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt042650000
IRS990/NetAssetsOrFundBalancesBOYAmt059425230
IRS990/NetAssetsOrFundBalancesEOYAmt064276130
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt018740
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt018740
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt078853
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt078853
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-13034
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt0774136
IRS990/OccupancyGrp/TotalAmt0774136
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt0406132
IRS990/OfficeExpensesGrp/TotalAmt0406132
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06461872
IRS990/OtherAssetsTotalGrp/EOYAmt06546298
IRS990/OtherChangesInNetAssetsAmt01352955
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0677820
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0677820
IRS990/OtherExpensesGrp/Desc0Member Services
IRS990/OtherExpensesGrp/Desc1Bank Charges
IRS990/OtherExpensesGrp/Desc2Loan Servcing Expense
IRS990/OtherExpensesGrp/Desc3Provision for Loan Loss
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt0748012
IRS990/OtherExpensesGrp/ProgramServicesAmt1387005
IRS990/OtherExpensesGrp/ProgramServicesAmt21334785
IRS990/OtherExpensesGrp/ProgramServicesAmt31221993
IRS990/OtherExpensesGrp/TotalAmt0748012
IRS990/OtherExpensesGrp/TotalAmt1387005
IRS990/OtherExpensesGrp/TotalAmt21334785
IRS990/OtherExpensesGrp/TotalAmt31221993
IRS990/OtherLiabilitiesGrp/BOYAmt0345074
IRS990/OtherLiabilitiesGrp/EOYAmt0280518
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt05910601
IRS990/OtherSalariesAndWagesGrp/TotalAmt05910601
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt00
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$506,913,522
Liabilities
$442,637,392
Net assets
$64,276,130
Revenue
$22,917,831
Expenses
$19,406,852
Net income
$3,510,979
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$796$711$84.9$43.5$37.0$6.46
2022Detailed filing. Detailed filing data is available for this year.$780$707$73.8$35.1$28.1$6.95
2021Detailed filing. Detailed filing data is available for this year.$721$633$88.1$32.2$24.5$7.72
2020Detailed filing. Detailed filing data is available for this year.$641$556$84.2$32.7$26.6$6.10
2019Detailed filing. Detailed filing data is available for this year.$554$479$75.6$27.8$23.3$4.51
2018Detailed filing. Detailed filing data is available for this year.$515$447$68.0$24.4$20.1$4.36
2017Detailed filing. Detailed filing data is available for this year.$507$443$64.3$22.9$19.4$3.51
2016Detailed filing. Detailed filing data is available for this year.$493$434$59.4$22.8$19.0$3.84
2015Detailed filing. Detailed filing data is available for this year.$484$427$56.9$23.3$19.7$3.61
2014Detailed filing. Detailed filing data is available for this year.$469$414$54.6$22.9$18.3$4.63
2013Detailed filing. Detailed filing data is available for this year.$419$369$49.5$22.9$18.5$4.39
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$412$368$44.0$18.1
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$381$340$41.3$17.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$338$302$36.0$18.3