Civic Intelligence

Smart Financial Credit Union

990 • Fiscal year 2015 • EIN 74-0695355

Jan 01, 2015 to Dec 31, 2015 • Filed on Jun 07, 2016

Organization Profilewww.smartcu.org

View Organization Page

6051 North Course DriveHouston, TX 77072

(713) 850-1600

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.92x

Higher debt load relative to assets than 93% of similar nonprofits.

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

Liabilities / Revenue

16th percentile

14.20x

Higher debt load relative to revenue than 16% of similar nonprofits.

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

Net Margin

47th percentile

13%

Higher net margin than 47% of similar nonprofits.

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

Top Officer Pay

61st percentile

$447,228

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

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

Asset Growth

31st percentile

4.1%

Faster asset growth than 31% of similar nonprofits.

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

Revenue Growth

72nd percentile

9.9%

Faster revenue growth than 72% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$632,836,512

Up $24,845,250 (+4.1%) from 2014

Net Assets

Up

$50,947,677

Up $2,341,946 (+4.8%) from 2014

Liabilities

Up

$581,888,835

Up $22,503,304 (+4.0%) from 2014

Revenue And Expenses
Liabilities / Revenue16th percentileNet Margin47th percentile

Revenue

Up

$40,989,328

Up $3,676,593 (+9.9%) from 2014

Expenses

Up

$35,701,426

Up $889,157 (+2.6%) from 2014

Net Income

Up

$5,287,902

Up $2,787,436 (+111%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth31st percentile

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

$1.0B$500M$0Assets 2010: $445,090,850Liabilities 2010: $410,576,060Net Assets 2010: $34,514,7902010Assets 2011: $481,975,837Liabilities 2011: $447,324,700Net Assets 2011: $34,651,1372011Assets 2012: $527,682,058Liabilities 2012: $487,147,161Net Assets 2012: $40,534,8972012Assets 2013: $561,422,083Liabilities 2013: $512,709,004Net Assets 2013: $48,713,0792013Assets 2014: $607,991,262Liabilities 2014: $559,385,531Net Assets 2014: $48,605,7312014Assets 2015: $632,836,512Liabilities 2015: $581,888,835Net Assets 2015: $50,947,6772015Assets 2016: $649,586,275Liabilities 2016: $596,255,627Net Assets 2016: $53,330,6482016Assets 2017: $700,073,087Liabilities 2017: $644,934,647Net Assets 2017: $55,138,4402017Assets 2018: $686,964,169Liabilities 2018: $624,394,204Net Assets 2018: $62,569,9652018Assets 2019: $699,427,314Liabilities 2019: $635,411,921Net Assets 2019: $64,015,3932019Assets 2020: $785,559,214Liabilities 2020: $724,817,746Net Assets 2020: $60,741,4682020Assets 2021: $863,045,485Liabilities 2021: $794,413,867Net Assets 2021: $68,631,6182021Assets 2022: $858,528,681Liabilities 2022: $794,573,403Net Assets 2022: $63,955,2782022Assets 2023: $848,281,672Liabilities 2023: $776,160,257Net Assets 2023: $72,121,4152023Assets 2024: $783,377,617Liabilities 2024: $698,361,063Net Assets 2024: $85,016,5542024

Highlighted filing

2015

Assets$632,836,512
Liabilities$581,888,835
Net Assets$50,947,677
Open 2015 Filing

Operations Trend

Revenue Growth72nd percentile

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

$60M$40M$20M$0-$20MExpenses 2010: $31,296,8632010Expenses 2011: $32,064,8102011Revenue 2012: $35,791,133Expenses 2012: $31,262,591Net Income 2012: $4,528,5422012Revenue 2013: $36,619,666Expenses 2013: $32,880,433Net Income 2013: $3,739,2332013Revenue 2014: $37,312,735Expenses 2014: $34,812,269Net Income 2014: $2,500,4662014Revenue 2015: $40,989,328Expenses 2015: $35,701,426Net Income 2015: $5,287,9022015Revenue 2016: $41,376,873Expenses 2016: $39,474,333Net Income 2016: $1,902,5402016Revenue 2017: $41,143,914Expenses 2017: $38,926,554Net Income 2017: $2,217,3602017Revenue 2018: $42,899,533Expenses 2018: $38,353,223Net Income 2018: $4,546,3102018Revenue 2019: $43,400,030Expenses 2019: $39,560,547Net Income 2019: $3,839,4832019Revenue 2020: $37,952,681Expenses 2020: $38,345,111Net Income 2020: -$392,4302020Revenue 2021: $34,269,474Expenses 2021: $30,250,714Net Income 2021: $4,018,7602021Revenue 2022: $39,299,069Expenses 2022: $34,267,295Net Income 2022: $5,031,7742022Revenue 2023: $46,366,482Expenses 2023: $43,302,703Net Income 2023: $3,063,7792023Revenue 2024: $47,907,359Expenses 2024: $45,848,422Net Income 2024: $2,058,9372024

Highlighted filing

2015

Revenue$40,989,328
Expenses$35,701,426
Net Income$5,287,902
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jun 7, 2016
Return Version
2015v2.1
Gross Receipts
$46,053,382
Mission and Program Overview

Mission

Advocate. Relate. Educate.

To provide superior service to every member.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$320,911,869$374,104,267▲ $53,192,398
Investments Other Securities$159,337,397$141,662,714▼ $17,674,683
Rtn Earn Endowment Incm Other Fnds$48,605,731$50,947,677▲ $2,341,946
Cash and Non-Interest-Bearing Accounts$33,396,544$34,792,588▲ $1,396,044
Land, Buildings, and Equipment, Net$28,101,922$27,707,175▼ $394,747
Savings and Temporary Cash Investments$20,269,897$26,785,915▲ $6,516,018
Receivables From Officers Etc$5,418,363$5,459,748▲ $41,385
Prepaid Expenses and Deferred Charges$1,102,898$2,167,996▲ $1,065,098
Accounts Receivable$17,655,745$460,028▼ $17,195,717
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$607,991,262$632,836,512▲ $24,845,250
Other Assets Total$21,796,627$19,696,081▼ $2,100,546
Liabilities
Other Liabilities$546,138,797$567,888,163▲ $21,749,366
Accounts Payable and Accrued Expenses$12,965,819$13,617,930▲ $652,111
Escrow Account Liability$280,915$382,742▲ $101,827
Total Liabilities$559,385,531$581,888,835▲ $22,503,304
Net Assets / Fund Balance
Total Net Assets Fund Balance$48,605,731$50,947,677▲ $2,341,946
Total Liabilities and Net Assets / Fund Balance$607,991,262$632,836,512▲ $24,845,250

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$18,697,906$3,032,018$21,729,924
Other Land Buildings$3,392,038$12,564,608$15,956,646
Land$4,977,146-$4,977,146
Leasehold Improvements$640,085$545,782$1,185,867
Other Securities$100,000--
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gary TumaCEOFT$378,985$68,243$447,228
Linda WebsterExecutive VPFT$240,610$74,489$315,099
Leann KaczynskiCFOFT$185,882$127,069$312,951
Larry SeidlCLOFT$181,600$97,542$279,142
Susie SmithSVP Human ResourcesFT$166,998$94,240$261,238
Michael PiwetzCIOFT$141,614$88,802$230,416
Virginia SmithSVP Business DevelopmentFT$155,095$44,892$199,987
Gregory StirmanCommunity Development OffiFT$126,115$44,698$170,813
Diane RayVP ControllerFT$109,264$48,453$157,717
Susan ChapmanVP Marketing StrategyFT$119,360$19,883$139,243
Nancy SchwindVP Branch OperationsFT$119,377$16,520$135,897
Chad G GreerTreasurerPT$855-$855

Board Members and Trustees

NameTitle
Douthulia GardnerChairman
Jeffrey W HamlinVice-chairman
Alys DoreDirector
Jan K SilvaDirector
Jean WrenDirector
Larry FrazierDirector
Maria DiazDirector
Samuel MassieDirector
William YoungDirector
MICHAEL O'NEILLSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Vantiv Holdings LLCCredit And Debit Card Processing8500 GOVERNORS HILL DRIVE, Symmes Township, OH 45249$930,995
Winstead PCLegal Services2728 HARWOOD STREET, Dallas, TX 75201$120,601
Toolcaseinformant LLCIt Services5300 DTC PARKWAY SUITE 450, Greenwood Village, CO 80111$117,750
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$20,687,236
Investment Income
$1,987,187
Other Revenue
$18,314,905
Change in Net Assets
$5,287,902

Audited Revenue Reconciliation

Revenue per Audited Statements
$40,989,328
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$40,989,328
Total Revenue per Form 990
$40,989,328
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$17,918,020
Salaries, Compensation, and Employee Benefits$17,597,759
Grants and Similar Amounts Paid$185,647
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$12,383,934
All Other Expenses---$2,954,257
Office Expenses---$2,303,561
Occupancy---$2,181,912
Depreciation Depletion---$1,855,485
Current Officers, Directors, Trustees, and Key Employees---$1,816,500
Other Employee Benefits---$1,755,291
Interest---$1,468,153
Payroll Taxes---$1,065,751
Advertising---$857,484
Information Technology---$854,635
Other Expenses---$611,909
Pension Plan Contributions---$576,283
Grants to Domestic Orgs---$185,647
Travel---$179,215
Insurance---$175,993
Fees for Services Accounting---$162,920
Conferences and Meetings---$116,856
Fees for Services Legal---$104,685
Total Functional Expenses$0$0$0$35,701,426

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$35,701,426
Total Expenses per Audited Statements$35,701,426
Total Expenses per Form 990$35,701,426
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Sfcu FoundationHouston, TX501(c)3To Provide Funding to Allow the Foundation to Continue to Support the Education and Medical Communities Served by Smart Financial Credit Union.$180,000
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$5,418,363$5,459,748▲ $41,385
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$567,888,163
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 is owned by its members.”

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

“The credit union has eleven board members elected to three-year terms. The members meet annually to elect the board of director open positions.”

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

“The members elect the board of directors and vote to dissolve or merge the credit union.”

Form 990, Part VI, Section B, line 11

“A copy of the form 990 is presented at a regularly scheduled board meeting before filing.”

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

“The loss prevention analyst/compliance officer reminds the staff via e-mail semiannually of the requirements of the conflict of interest policy.”

Form 990, Part VI, Section B, line 15

“The compensation committee enlists an independent compensation consultant to determine the ceo's compensation. Comparability data is used for arriving at compensation amounts for other officers and key employees.”

Form 990, Part VI, Section C, line 19

“Copies of the financial statements are displayed at the branches. The governing documents, conflict of interest policy, and the financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Smart Financial Credit Union
EIN
74-0695355
Phone
7138501600
Address
6051 NORTH COURSE DRIVE, HOUSTON, TX 77072

Signing Officer

Name
Larry Seidl
Title
CEO
Phone
7138501600
Signed
2016-06-07

Organization Details

Principal Officer
Larry Seidl
Formed
1934
Legal Domicile
TX
Voting Board Members
11
Independent Board Members
11
Employees
405
Volunteers
15

Preparer

Firm
Warren Averett LLC
Address
316 South Baylen Street Suite 300, Pensacola, FL 32502
Preparer
Harold S Hutto Jr CPA
Phone
8504357400
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Fasb asc 715 pension adjustment -2,870,152.”

Financial Statement Notes

Part IV, Line 2B:

“The credit union holds escrowed funds for the payment of property taxes and homeowners' insurance as a service to our members who have mortgages with the credit union.”

Part X, Line 2:

“Effective January 1, 2009, the Credit Union implemented the new accounting requirements associated with uncertainty in income taxes using the provisions of FASB ASC 740, Income Taxes. The guidance prescribes a minimum recognition threshold and measurement methodology that a tax position taken or expected to be taken in a tax return is required before being recognized in the financial statements. It also provided guidance for derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition. As of December 31, 2015, the Credit Union has no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Additionally, there were no interest and penalties related to income taxes. With few exceptions, the Credit Union is no longer subject to U.S. federal, state, and local income tax examinations by tax authorities for years before 2012.”

Raw XML AppendixShowing 400 of 773 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/OtherCompensationAmt1919883
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IRS990/Form990PartVIISectionAGrp/PersonNm5CHAD G GREER
IRS990/Form990PartVIISectionAGrp/PersonNm6JEAN WREN
IRS990/Form990PartVIISectionAGrp/PersonNm7WILLIAM YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm8JEFFREY W HAMLIN
IRS990/Form990PartVIISectionAGrp/PersonNm9MICHAEL O'NEILL
IRS990/Form990PartVIISectionAGrp/PersonNm10MARIA DIAZ
IRS990/Form990PartVIISectionAGrp/PersonNm11GARY TUMA
IRS990/Form990PartVIISectionAGrp/PersonNm12LEANN KACZYNSKI
IRS990/Form990PartVIISectionAGrp/PersonNm13LINDA WEBSTER
IRS990/Form990PartVIISectionAGrp/PersonNm14VIRGINIA SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm15LARRY SEIDL
IRS990/Form990PartVIISectionAGrp/PersonNm16SUSIE SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm17MICHAEL PIWETZ
IRS990/Form990PartVIISectionAGrp/PersonNm18GREGORY STIRMAN
IRS990/Form990PartVIISectionAGrp/PersonNm19SUSAN CHAPMAN
IRS990/Form990PartVIISectionAGrp/PersonNm20NANCY SCHWIND
IRS990/Form990PartVIISectionAGrp/PersonNm21DIANE RAY
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12197882
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13262840
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14163095
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15194600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16176498
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17148207
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18131115
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19119360
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20119377
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21130845
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE-CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt13EXECUTIVE VP
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP BUSINESS DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt15CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt17CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt18COMMUNITY DEVELOPMENT OFFI
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP MARKETING STRATEGY
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP BRANCH OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP CONTROLLER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0366033
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0185647
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt05430087
IRS990/GrossReceiptsAmt046053382
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt019
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0854635
IRS990/InsuranceGrp/TotalAmt0175993
IRS990/InterestGrp/TotalAmt01468153
IRS990/InvestmentIncomeGrp/ExclusionAmt01621154
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01621154
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0159337397
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0141662714
IRS990/IRPDocumentCnt025264
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt016142408
IRS990/LandBldgEquipBasisNetGrp/BOYAmt028101922
IRS990/LandBldgEquipBasisNetGrp/EOYAmt027707175
IRS990/LandBldgEquipCostOrOtherBssAmt043849583
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt05064054
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE SUPERIOR SERVICE TO EVERY MEMBER.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt048605731
IRS990/NetAssetsOrFundBalancesEOYAmt050947677
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0366033
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0366033
IRS990/NetUnrelatedBusTxblIncmAmt0-71279
IRS990/NetUnrlzdGainsLossesInvstAmt0-75804
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02181912
IRS990/OfficeExpensesGrp/TotalAmt02303561
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt021796627
IRS990/OtherAssetsTotalGrp/EOYAmt019696081
IRS990/OtherChangesInNetAssetsAmt0-2870152
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01755291
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT CARD EXPENSES
IRS990/OtherExpensesGrp/Desc2PROFESSIONAL SERVICES
IRS990/OtherExpensesGrp/Desc3WRITE OFF EXPENSE
IRS990/OtherExpensesGrp/TotalAmt01942487
IRS990/OtherExpensesGrp/TotalAmt11204486
IRS990/OtherExpensesGrp/TotalAmt2943982
IRS990/OtherExpensesGrp/TotalAmt3611909
IRS990/OtherLiabilitiesGrp/BOYAmt0546138797
IRS990/OtherLiabilitiesGrp/EOYAmt0567888163
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0SERVICE FEES & MISC INCOME
IRS990/OtherRevenueMiscGrp/Desc1SHARED BRANCH, INSURANCE, & OTHER
IRS990/OtherRevenueMiscGrp/Desc2FOREIGN ATM FEES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt015450607
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt12750402
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt015450607
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt12750402
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2113896
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0113896
IRS990/OtherRevenueTotalAmt018314905
IRS990/OtherSalariesAndWagesGrp/TotalAmt012383934
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0320911869
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0374104267
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01065751
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0576283
IRS990/PoliticalCampaignActyInd00
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02167996
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IRS990/PYOtherExpensesAmt018438393
IRS990/PYOtherRevenueAmt017312485
IRS990/PYProgramServiceRevenueAmt018791145
IRS990/PYRevenuesLessExpensesAmt02500466
IRS990/PYSalariesCompEmpBnftPaidAmt016373876
IRS990/PYTotalExpensesAmt034812269
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt037312735
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt05418363
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt05459748
IRS990/ReconcilationRevenueExpnssAmt05287902
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt048605731
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt050947677
IRS990/SavingsAndTempCashInvstGrp/BOYAmt020269897
IRS990/SavingsAndTempCashInvstGrp/EOYAmt026785915
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt018697906
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03032018
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt021729924
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt035701426
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt04977146
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04977146
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0640085

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$632,836,512
Liabilities
$581,888,835
Net assets
$50,947,677
Revenue
$40,989,328
Expenses
$35,701,426
Net income
$5,287,902
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$783$698$85.0$47.9$45.8$2.06
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$848$776$72.1$46.4$43.3$3.06
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$859$795$64.0$39.3$34.3$5.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$863$794$68.6$34.3$30.3$4.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$786$725$60.7$38.0$38.3$0.39
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$699$635$64.0$43.4$39.6$3.84
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$687$624$62.6$42.9$38.4$4.55
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$700$645$55.1$41.1$38.9$2.22
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$650$596$53.3$41.4$39.5$1.90
2015Detailed filing. Detailed filing data is available for this year.$633$582$50.9$41.0$35.7$5.29
2014Detailed filing. Detailed filing data is available for this year.$608$559$48.6$37.3$34.8$2.50
2013Detailed filing. Detailed filing data is available for this year.$561$513$48.7$36.6$32.9$3.74
2012Summary only. Only limited summary data is available for this year.$528$487$40.5$35.8$31.3$4.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$482$447$34.7$32.1
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$445$411$34.5$31.3