Civic Intelligence

Priority Trust Credit Union

990 • Fiscal year 2015 • EIN 74-0695230

Jan 01, 2015 to Dec 31, 2015 • Filed on May 13, 2016

Organization Profileplus4cu.org

View Organization Page

9998 Almeda Genoa RdHouston, TX 77075

(713) 970-6200

Siviq Scores

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

Liabilities / Assets

96th percentile

0.93x

Higher debt load relative to assets than 96% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

11th percentile

12.86x

Higher debt load relative to revenue than 11% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

10th percentile

1.9%

Higher net margin than 10% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

50th percentile

$198,026

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 2.5% of source-year revenue.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Asset Growth

19th percentile

1.9%

Faster asset growth than 19% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

12th percentile

-3.4%

Faster revenue growth than 12% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets96th percentile

Assets

Up

$108,781,056

Up $2,011,770 (+1.9%) from 2014

Net Assets

Down

$8,042,878

Down $1,395,890 (-15%) from 2014

Liabilities

Up

$100,738,178

Up $3,407,660 (+3.5%) from 2014

Revenue And Expenses
Liabilities / Revenue11th percentileNet Margin10th percentile

Revenue

Down

$7,831,957

Down $275,055 (-3.4%) from 2014

Expenses

Up

$7,681,143

Up $616,021 (+8.7%) from 2014

Net Income

Down

$150,814

Down $891,076 (-86%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth19th percentile

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

$200M$150M$100M$50M$0Assets 2010: $90,902,357Liabilities 2010: $83,435,214Net Assets 2010: $7,467,1432010Assets 2011: $89,691,534Liabilities 2011: $81,929,624Net Assets 2011: $7,761,9102011Assets 2012: $90,429,739Liabilities 2012: $83,222,370Net Assets 2012: $7,207,3692012Assets 2013: $95,465,058Liabilities 2013: $87,490,192Net Assets 2013: $7,974,8662013Assets 2014: $106,769,286Liabilities 2014: $97,330,518Net Assets 2014: $9,438,7682014Assets 2015: $108,781,056Liabilities 2015: $100,738,178Net Assets 2015: $8,042,8782015Assets 2016: $116,487,923Liabilities 2016: $109,054,087Net Assets 2016: $7,433,8362016Assets 2017: $121,426,436Liabilities 2017: $113,192,745Net Assets 2017: $8,233,6912017Assets 2019: $123,024,703Liabilities 2019: $114,277,120Net Assets 2019: $8,747,5832019Assets 2020: $125,027,756Liabilities 2020: $117,864,531Net Assets 2020: $7,163,2252020Assets 2021: $132,777,176Liabilities 2021: $115,165,588Net Assets 2021: $17,611,5882021Assets 2022: $196,739,060Liabilities 2022: $8,046,922Net Assets 2022: $188,692,1382022Assets 2023: $189,539,846Liabilities 2023: $5,671,940Net Assets 2023: $183,867,9062023Assets 2024: $194,130,565Liabilities 2024: $5,595,829Net Assets 2024: $188,534,7362024

Highlighted filing

2015

Assets$108,781,056
Liabilities$100,738,178
Net Assets$8,042,878
Open 2015 Filing

Operations Trend

Revenue Growth12th percentile

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

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $8,079,3522010Expenses 2011: $7,927,2122011Expenses 2012: $7,692,4572012Revenue 2013: $8,140,097Expenses 2013: $7,369,021Net Income 2013: $771,0762013Revenue 2014: $8,107,012Expenses 2014: $7,065,122Net Income 2014: $1,041,8902014Revenue 2015: $7,831,957Expenses 2015: $7,681,143Net Income 2015: $150,8142015Revenue 2016: $8,195,258Expenses 2016: $8,062,229Net Income 2016: $133,0292016Revenue 2017: $8,380,479Expenses 2017: $8,311,628Net Income 2017: $68,8512017Revenue 2019: $9,709,604Expenses 2019: $8,983,194Net Income 2019: $726,4102019Revenue 2020: $8,968,787Expenses 2020: $9,264,302Net Income 2020: -$295,5152020Revenue 2021: $9,356,644Expenses 2021: $8,809,553Net Income 2021: $547,0912021Revenue 2022: $15,178,327Expenses 2022: $14,702,092Net Income 2022: $476,2352022Revenue 2023: $13,776,593Expenses 2023: $13,380,210Net Income 2023: $396,3832023Revenue 2024: $16,135,767Expenses 2024: $15,195,506Net Income 2024: $940,2612024

Highlighted filing

2015

Revenue$7,831,957
Expenses$7,681,143
Net Income$150,814
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 13, 2016
Return Version
2015v2.1
Gross Receipts
$7,831,957
Mission and Program Overview

Mission

To provide banking and loan services to members in order to invest in people and improve lives.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$82,267,029$91,072,960▲ $8,805,931
Investments Other Securities$7,924,942$5,814,442▼ $2,110,500
Land, Buildings, and Equipment, Net$5,895,279$5,668,109▼ $227,170
Pd in Cap Srpls Land Bldg Eqp Fund$5,352,924$5,352,924→ $0
Prepaid Expenses and Deferred Charges$3,303,193$3,198,567▼ $104,626
Rtn Earn Endowment Incm Other Fnds$4,085,844$2,689,954▼ $1,395,890
Cash and Non-Interest-Bearing Accounts$2,888,533$1,701,090▼ $1,187,443
Accounts Receivable$3,494,425$273,458▼ $3,220,967
Savings and Temporary Cash Investments$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0--
Loans From Officers Directors-$0-
Total Assets$106,769,286$108,781,056▲ $2,011,770
Other Assets Total$995,885$1,052,430▲ $56,545
Liabilities
Other Liabilities$96,874,714$100,494,489▲ $3,619,775
Accounts Payable and Accrued Expenses$455,804$243,689▼ $212,115
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$97,330,518$100,738,178▲ $3,407,660
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,438,768$8,042,878▼ $1,395,890
Total Liabilities and Net Assets / Fund Balance$106,769,286$108,781,056▲ $2,011,770

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,684,315$1,253,925$0
Other Land Buildings$147,646$446,203$0
Land$1,213,247-$0
Equipment$379,606$1,526,544$0
Leasehold Improvements$243,295$31,777$0
Other Securities$226,633--
Closely Held Equity Interests$453,897--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Vladimir StarkPresident and CEOFT$198,026$198,026
Patricia FendleyExecutive Vice PresidentFT$138,288$138,288
Teri EdenfieldVice President of OperationsFT$104,913$104,913

Board Members and Trustees

NameTitle
Wendell GreanleafChairman
Ed MartindaleVice-Chair
Chuck RichardDirector
Delia DiazDirector
Edward JohnsonDirector
Gail ReedDirector
John GlennDirector
Robert GoedrichDirector
Mary WatsonParlimentarian
Charles CharlestonSecretary
Margaret GlassTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,764,233
Investment Income
$67,724
Other Revenue
$0
Change in Net Assets
$150,814

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,831,957
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$7,831,957
Total Revenue per Form 990
$7,831,957
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,741,371
Salaries, Compensation, and Employee Benefits$2,939,772
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,841,011$0$0$1,841,011
Fees for Services Other$601,339$0$0$601,339
Interest$592,313$0$0$592,313
Other Expenses$476,153$0$0$476,153
Other Employee Benefits$465,755$0$0$465,755
Current Officers, Directors, Trustees, and Key Employees$441,227$0$0$441,227
Office Expenses$365,437$0$0$365,437
Depreciation Depletion$365,277$0$0$365,277
Occupancy$351,015$0$0$351,015
Information Technology$213,833$0$0$213,833
Payroll Taxes$194,650$0$0$194,650
Advertising$157,816$0$0$157,816
Travel$94,627$0$0$94,627
Insurance$87,840$0$0$87,840
Conferences and Meetings$63,085$0$0$63,085
All Other Expenses$51,703$0$0$51,703
Fees for Services Legal$41,109$0$0$41,109
Fees for Services Accounting$31,000$0$0$31,000
Pension Plan Contributions$-2,871$0$0$-2,871
Total Functional Expenses$7,681,143$0$0$7,681,143

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$7,681,143
Total Expenses per Audited Statements$7,681,143
Total Expenses per Form 990$7,681,143
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees-$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
Regular Shares$44,797,255
Other Shares and Deposits$36,035,032
Share Draft Accounts$19,662,202
Governance and Compliance

Governance Checklist

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

Governance Explanations

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

“The form 990 is prepared by the AVP of Accounting and reviewed by the President and CEO.”

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

“Monitored by Board, management, and internal audit oversight.”

Form 990, Part VI, Section B, Line 15

“Formal appraisal and performance evaluations are conducted annually for President and CEO. Senior level officers are evaluated by individual's immediate supervisor. Salary ranges are validated annually by a third party based on the organization's size and product complexity.”

Form 990, Part VI, Section C, Line 19

“Members are informed through website and mailings, that governing documents , conflicts of interest policy, and financial statements are available upon request. During the annual meeting these documents are also available.”

Filing and Contact Details

Filer

Filer Name
Plus4 Credit Union
EIN
74-0695230
Phone
7139706200
Address
9998 Almeda Genoa Rd, Houston, TX 77075

Signing Officer

Name
Vladimir Stark
Title
President and CEO
Phone
7139706200
Signed
2016-05-13

Organization Details

Principal Officer
Vladimir Stark
Formed
1929
Legal Domicile
TX
Voting Board Members
11
Independent Board Members
11
Employees
70
Volunteers
0
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“This item is change in other related comprehensive income related to defined benefit plan.”

Raw XML AppendixShowing 400 of 724 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.

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IRS990/Form990PartVIISectionAGrp/PersonNm3Margaret Glass
IRS990/Form990PartVIISectionAGrp/PersonNm4Mary Watson
IRS990/Form990PartVIISectionAGrp/PersonNm5Charles Charleston
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IRS990/Form990PartVIISectionAGrp/PersonNm11Vladimir Stark
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11198026
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12138288
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13104913
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/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice-Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Parlimentarian
IRS990/Form990PartVIISectionAGrp/TitleTxt5Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11President and CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12Executive Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt13Vice President of Operations
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01929
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantAmt00
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/GrossReceiptsAmt07831957
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt0213833
IRS990/InformationTechnologyGrp/TotalAmt0213833
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt087840
IRS990/InsuranceGrp/TotalAmt087840
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt0592313
IRS990/InterestGrp/TotalAmt0592313
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt067724
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt067724
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt07924942
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt05814442
IRS990/IRPDocumentCnt02331
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03258449
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05895279
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05668109
IRS990/LandBldgEquipCostOrOtherBssAmt08926558
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE BANKING AND LOAN SERVICES TO MEMBERS IN ORDER TO INVEST IN PEOPLE AND IMPROVE LIVES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt09438768
IRS990/NetAssetsOrFundBalancesEOYAmt08042878
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt0351015
IRS990/OccupancyGrp/TotalAmt0351015
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt0365437
IRS990/OfficeExpensesGrp/TotalAmt0365437
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0995885
IRS990/OtherAssetsTotalGrp/EOYAmt01052430
IRS990/OtherChangesInNetAssetsAmt0-1546704
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0465755
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0465755
IRS990/OtherExpensesGrp/Desc0Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc1Loan Servicing
IRS990/OtherExpensesGrp/Desc2Debit Card Operations
IRS990/OtherExpensesGrp/Desc3Other Operating Expense
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/ProgramServicesAmt084696
IRS990/OtherExpensesGrp/ProgramServicesAmt1574807
IRS990/OtherExpensesGrp/ProgramServicesAmt2589321
IRS990/OtherExpensesGrp/ProgramServicesAmt3476153
IRS990/OtherExpensesGrp/TotalAmt084696
IRS990/OtherExpensesGrp/TotalAmt1574807
IRS990/OtherExpensesGrp/TotalAmt2589321
IRS990/OtherExpensesGrp/TotalAmt3476153
IRS990/OtherLiabilitiesGrp/BOYAmt096874714
IRS990/OtherLiabilitiesGrp/EOYAmt0100494489
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01841011
IRS990/OtherSalariesAndWagesGrp/TotalAmt01841011
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt082267029
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt091072960
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt0194650
IRS990/PayrollTaxesGrp/TotalAmt0194650
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt05352924
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt05352924
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0-2871
IRS990/PensionPlanContributionsGrp/TotalAmt0-2871
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt03303193
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03198567
IRS990/PrincipalOfficerNm0Vladimir Stark
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans to members
IRS990/ProgramServiceRevenueGrp/Desc1Non-interest income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04472920
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13291313
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04472920
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13291313
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0Checking Accounts: Checking accounts are offered to members and generally pay monthly dividends. Access is offered through branch locations, internet, ATM's, and telephone. Free debit cards are offered and on-line and mobile banking features are provided.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0213497
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0605581
IRS990/ProgSrvcAccomActy3Grp/Desc0Consumer Loans: Consumer loans are offered to members for autos, recreational vehicles, home equity, credit card, and personal loans. Consumer life and disability insurance are available on any of these products.

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$108,781,056
Liabilities
$100,738,178
Net assets
$8,042,878
Revenue
$7,831,957
Expenses
$7,681,143
Net income
$150,814
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$194$5.60$189$16.1$15.2$0.94
2023Detailed filing. Detailed filing data is available for this year.$190$5.67$184$13.8$13.4$0.40
2022Detailed filing. Detailed filing data is available for this year.$197$8.05$189$15.2$14.7$0.48
2021Detailed filing. Detailed filing data is available for this year.$133$115$17.6$9.36$8.81$0.55
2020Summary only. Only limited summary data is available for this year.$125$118$7.16$8.97$9.26$0.30
2019Detailed filing. Detailed filing data is available for this year.$123$114$8.75$9.71$8.98$0.73
2017Detailed filing. Detailed filing data is available for this year.$121$113$8.23$8.38$8.31$0.07
2016Summary only. Only limited summary data is available for this year.$116$109$7.43$8.20$8.06$0.13
2015Detailed filing. Detailed filing data is available for this year.$109$101$8.04$7.83$7.68$0.15
2014Detailed filing. Detailed filing data is available for this year.$107$97.3$9.44$8.11$7.07$1.04
2013Detailed filing. Detailed filing data is available for this year.$95.5$87.5$7.97$8.14$7.37$0.77
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$90.4$83.2$7.21$7.69
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$89.7$81.9$7.76$7.93
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$90.9$83.4$7.47$8.08