Civic Intelligence

Fivepoint Credit Union

990 • Fiscal year 2020 • EIN 74-1109889

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 09, 2021

Organization ProfileWWW.FIVEPOINTCU.ORG

View Organization Page

PO Box 1366Nederland, TX 77627-1366

(409) 726-8300

Siviq Scores

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

Liabilities / Assets

50th percentile

0.90x

Higher debt load relative to assets than 50% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

20th percentile

16.09x

Higher debt load relative to revenue than 20% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Net Margin

15th percentile

5.1%

Higher net margin than 15% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

67th percentile

$493,240

Higher top officer pay than 67% of similar nonprofits.

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

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Asset Growth

31st percentile

15%

Faster asset growth than 31% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Revenue Growth

47th percentile

-1.2%

Faster revenue growth than 47% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$772,281,463

Up $99,906,903 (+15%) from 2019

Net Assets

Up

$78,563,075

Up $3,522,357 (+4.7%) from 2019

Liabilities

Up

$693,718,388

Up $96,384,546 (+16%) from 2019

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin15th percentile

Revenue

Down

$43,125,842

Down $537,316 (-1.2%) from 2019

Expenses

Up

$40,913,732

Up $780,374 (+1.9%) from 2019

Net Income

Down

$2,212,110

Down $1,317,690 (-37%) from 2019

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 2014: $475,487,418Liabilities 2014: $419,500,521Net Assets 2014: $55,986,8972014Assets 2015: $507,188,863Liabilities 2015: $447,501,947Net Assets 2015: $59,686,9162015Assets 2016: $544,211,928Liabilities 2016: $479,350,214Net Assets 2016: $64,861,7142016Assets 2017: $638,392,794Liabilities 2017: $571,540,789Net Assets 2017: $66,852,0052017Assets 2018: $600,855,416Liabilities 2018: $530,708,227Net Assets 2018: $70,147,1892018Assets 2019: $672,374,560Liabilities 2019: $597,333,842Net Assets 2019: $75,040,7182019Assets 2020: $772,281,463Liabilities 2020: $693,718,388Net Assets 2020: $78,563,0752020Assets 2021: $833,470,409Liabilities 2021: $751,155,135Net Assets 2021: $82,315,2742021Assets 2022: $874,862,124Liabilities 2022: $800,708,884Net Assets 2022: $74,153,2402022Assets 2023: $940,698,707Liabilities 2023: $864,661,283Net Assets 2023: $76,037,4242023Assets 2024: $987,167,081Liabilities 2024: $907,001,377Net Assets 2024: $80,165,7042024

Highlighted filing

2020

Assets$772,281,463
Liabilities$693,718,388
Net Assets$78,563,075
Open 2020 Filing

Operations Trend

Revenue Growth47th percentile

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

$80M$60M$40M$20M$0Revenue 2014: $33,804,866Expenses 2014: $29,033,889Net Income 2014: $4,770,9772014Revenue 2015: $36,130,754Expenses 2015: $31,662,713Net Income 2015: $4,468,0412015Revenue 2016: $39,274,110Expenses 2016: $34,536,631Net Income 2016: $4,737,4792016Revenue 2017: $38,551,666Expenses 2017: $36,967,526Net Income 2017: $1,584,1402017Revenue 2018: $41,733,318Expenses 2018: $37,994,725Net Income 2018: $3,738,5932018Revenue 2019: $43,663,158Expenses 2019: $40,133,358Net Income 2019: $3,529,8002019Revenue 2020: $43,125,842Expenses 2020: $40,913,732Net Income 2020: $2,212,1102020Revenue 2021: $45,891,302Expenses 2021: $40,066,004Net Income 2021: $5,825,2982021Revenue 2022: $49,433,751Expenses 2022: $44,488,509Net Income 2022: $4,945,2422022Revenue 2023: $58,838,375Expenses 2023: $56,531,671Net Income 2023: $2,306,7042023Revenue 2024: $68,944,661Expenses 2024: $66,115,636Net Income 2024: $2,829,0252024

Highlighted filing

2020

Revenue$43,125,842
Expenses$40,913,732
Net Income$2,212,110
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 9, 2021
Return Version
2020v4.1
Gross Receipts
$43,125,842
Mission and Program Overview

Mission

To improve the quality of life for our members and the community.

To provide financial services to our membership with various loan and deposit products.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$496,093,031$526,473,029▲ $30,379,998
Savings and Temporary Cash Investments$75,346,931$92,564,739▲ $17,217,808
Investments in Publicly Traded Securities$33,881,108$86,312,607▲ $52,431,499
Rtn Earn Endowment Incm Other Fnds$75,040,718$78,563,075▲ $3,522,357
Land, Buildings, and Equipment, Net$26,038,778$24,345,204▼ $1,693,574
Cash and Non-Interest-Bearing Accounts$12,705,931$8,633,677▼ $4,072,254
Receivables From Officers Etc$7,647,922$7,961,636▲ $313,714
Investments Other Securities-$1,259,255-
Prepaid Expenses and Deferred Charges$1,023,291$1,234,117▲ $210,826
Accounts Receivable$185,303$379,102▲ $193,799
Intangible Assets$193,139$172,809▼ $20,330
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$672,374,560$772,281,463▲ $99,906,903
Other Assets Total$19,259,126$22,945,288▲ $3,686,162
Liabilities
Other Liabilities$592,736,446$689,166,838▲ $96,430,392
Accounts Payable and Accrued Expenses$4,597,396$4,551,550▼ $45,846
Total Liabilities$597,333,842$693,718,388▲ $96,384,546
Net Assets / Fund Balance
Total Net Assets Fund Balance$75,040,718$78,563,075▲ $3,522,357
Total Liabilities and Net Assets / Fund Balance$672,374,560$772,281,463▲ $99,906,903

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$18,550,541$8,899,329$27,449,870
Equipment$3,369,247$14,238,912$17,608,159
Leasehold Improvements$766,740$1,285,087$2,051,827
Land$1,658,676-$1,658,676
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Erik ShawCEOFT$383,499$109,741$493,240
Kenneth MillerExecutive Vice PresidentFT$268,716$85,038$353,754
Kristen BellangerSVP, OperationsFT$202,682$62,949$265,631
Jennifer WebbSVP, LendingFT$202,450$57,214$259,664
Vicki KelleySVP, Human ResourcesFT$181,144$75,325$256,469
Matt BorelFinancial AdvisorFT$207,049$30,912$237,961
Wendi ChristianVP AccountingFT$129,610$41,675$171,285
Debbie SpearVP OperationsFT$119,617$49,115$168,732
Cathy HagnerVP Branch AdministrationFT$130,764$31,898$162,662
Marla RuckerVP ItFT$114,812$46,982$161,794
Christie DownsVP LendingFT$121,756$28,541$150,297
Aimee SlottVP Business LendingFT$135,536$11,682$147,218
Amanda WhiteVP of Human ResourcesFT$128,016$10,463$138,479

Board Members and Trustees

NameTitle
Glenn JohnsonChairman
Joe DicksonFirst Vice Chairman
John ComeauxSecond Vice Chairman
Denny WinterBoard Member
Hilton Ferguson JrBoard Member
Jack ThorntonBoard Member
Jody BriggsBoard Member
Karol RussellBoard Member
Louis AnselmoBoard Member
James SaxonSecretary Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Pscu IncorporatedCredit Card Processing560 CARILLON PKWY, St Petersburg, FL 33716$1,460,268
Ann Lee And Associates LtdMarketing Firm1555 DUSTIN CADE DR, New Braunfels, TX 78130$1,144,033
Ncr CorporationOnline Banking Services5601 LINDERO CANYON ROAD SUITE 100, Westlake Village, CA 91362$1,112,174
Bank-tec SouthAtm/itm Maintenance4150 VIKING DR, Bossier City, LA 71111$990,858
Adrenaline LlDesign Agency195 NEW HAMPSHIRE AVE SUITE 115, Portsmouth, NH 03801$867,572
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$41,380,971
Investment Income
$1,698,383
Other Revenue
$46,488
Change in Net Assets
$2,212,110
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$24,324,389
Salaries, Compensation, and Employee Benefits$16,414,816
Grants and Similar Amounts Paid$174,527
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,380,783
Interest---$5,191,983
Information Technology---$2,686,147
Other Employee Benefits---$2,288,380
Current Officers, Directors, Trustees, and Key Employees---$2,200,666
Depreciation Depletion---$2,087,929
Advertising---$1,703,510
Office Expenses---$1,616,811
Occupancy---$1,277,893
Other Expenses---$881,636
Payroll Taxes---$857,874
Pension Plan Contributions---$687,113
All Other Expenses---$457,384
Fees for Services Other---$372,365
Fees for Services Legal---$313,388
Insurance---$295,908
Grants to Domestic Orgs---$165,527
Payments to Affiliates---$103,231
Fees for Services Accounting---$98,674
Travel---$74,814
Grants to Domestic Individuals---$9,000
Conferences and Meetings---$4,701
Total Functional Expenses$0$0$0$40,913,732
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
American Cancer SocietyNederland, TX501(c)(3)Charitable Donation$57,340
American Heart AssociationDes Moines, IA501(c)(3)Charitable Donation$5,325
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$7,647,922$7,961,636▲ $313,714
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Share Accounts$689,166,838
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Every client that has an account with our credit union is also a member.”

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

“Our board of directors are elected by a vote of the membership. Annually, if there is an open position, the nominating committee will put forth the candidates which our members can vote on during the annual meeting.”

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 11B

“Form 990 is reviewed by erik shaw, ceo, kenneth miller, evp, and vicki kelley, svp of human resources for its accuracy.”

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

“Compliance training is performed annually. Each employee / officer signs off they have reviewed and understand the policy.”

Form 990, Part VI, Section B, Line 15

“Fivepoint utilizes a 3rd party to provide industry standard and regional specific salary ranges for all staff.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents and conflict of interest policy are not made available to the public. The credit union's financial statements are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Fivepoint Credit Union
EIN
74-1109889
Phone
4097268300
Address
PO BOX 1366, NEDERLAND, TX 77627-1366

Signing Officer

Name
Kenneth Miller
Title
Executive Vice President
Phone
4097268200
Signed
2021-11-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Erik Shaw
Formed
1935
Legal Domicile
TX
Voting Board Members
11
Independent Board Members
11
Employees
247
Volunteers
12

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Douglas J Orth CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other professional services 372,365.”

Form 990, Part IX, Line 24E

“Debit/credit expenses 264,763. Training/development/education 131,330. Miscellaneous 35,035. Loss on repos/other 23,767. Merger expenses 2,489.”

FORM 990, PART XII, LINE 2C:

“A committee exists that assumes responsibility for the oversight of the audit of the annual financial statements and the selection of an independent accountant. The process has not changed from the prior year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute (internal revenue code section 501(c)(14), from federal income tax.”

Raw XML AppendixShowing 400 of 780 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/OtherCompensationAmt1530387
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1620266
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt179193
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1811682
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1925060
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt208107
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2110463
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2228000
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IRS990/Form990PartVIISectionAGrp/PersonNm1JACK THORNTON
IRS990/Form990PartVIISectionAGrp/PersonNm2LOUIS ANSELMO
IRS990/Form990PartVIISectionAGrp/PersonNm3JODY BRIGGS
IRS990/Form990PartVIISectionAGrp/PersonNm4HILTON FERGUSON JR
IRS990/Form990PartVIISectionAGrp/PersonNm5KAROL RUSSELL
IRS990/Form990PartVIISectionAGrp/PersonNm6ERIK SHAW
IRS990/Form990PartVIISectionAGrp/PersonNm7GLENN JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm8JOE DICKSON
IRS990/Form990PartVIISectionAGrp/PersonNm9JOHN COMEAUX
IRS990/Form990PartVIISectionAGrp/PersonNm10JAMES SAXON
IRS990/Form990PartVIISectionAGrp/PersonNm11KENNETH MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm12VICKI KELLEY
IRS990/Form990PartVIISectionAGrp/PersonNm13JENNIFER WEBB
IRS990/Form990PartVIISectionAGrp/PersonNm14KRISTEN BELLANGER
IRS990/Form990PartVIISectionAGrp/PersonNm15MATT BOREL
IRS990/Form990PartVIISectionAGrp/PersonNm16WENDI CHRISTIAN
IRS990/Form990PartVIISectionAGrp/PersonNm17CATHY HAGNER
IRS990/Form990PartVIISectionAGrp/PersonNm18AIMEE SLOTT
IRS990/Form990PartVIISectionAGrp/PersonNm19MARLA RUCKER
IRS990/Form990PartVIISectionAGrp/PersonNm20CHRISTIE DOWNS
IRS990/Form990PartVIISectionAGrp/PersonNm21AMANDA WHITE
IRS990/Form990PartVIISectionAGrp/PersonNm22DEBBIE SPEAR
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11321307
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12212844
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13239408
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14239313
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15207574
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16151019
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17153469
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19136734
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20142190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21128016
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22140732
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt8FIRST VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9SECOND VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt10SECRETARY TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt11EXECUTIVE VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP, HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP, LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP, OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt15FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP BRANCH ADMINISTRATION
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP BUSINESS LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP OF HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP OPERATIONS
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IRS990/Form990TFiledInd01
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt09000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0165527
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt043125842
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt016
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02686147
IRS990/InsuranceGrp/TotalAmt0295908
IRS990/IntangibleAssetsGrp/BOYAmt0193139
IRS990/IntangibleAssetsGrp/EOYAmt0172809
IRS990/InterestGrp/TotalAmt05191983
IRS990/InvestmentIncomeGrp/ExclusionAmt01698383
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01698383
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01259255
IRS990/InvestmentsPubTradedSecGrp/BOYAmt033881108
IRS990/InvestmentsPubTradedSecGrp/EOYAmt086312607
IRS990/IRPDocumentCnt013671
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt024423328
IRS990/LandBldgEquipBasisNetGrp/BOYAmt026038778
IRS990/LandBldgEquipBasisNetGrp/EOYAmt024345204
IRS990/LandBldgEquipCostOrOtherBssAmt048768532
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO IMPROVE THE QUALITY OF LIFE FOR OUR MEMBERS AND THE COMMUNITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt075040718
IRS990/NetAssetsOrFundBalancesEOYAmt078563075
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt01310248
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01277893
IRS990/OfficeExpensesGrp/TotalAmt01616811
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt019259126
IRS990/OtherAssetsTotalGrp/EOYAmt022945288
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02288380
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1ATM EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3MAINTENANCE AND REPAIRS
IRS990/OtherExpensesGrp/TotalAmt02672312
IRS990/OtherExpensesGrp/TotalAmt12578616
IRS990/OtherExpensesGrp/TotalAmt21907087
IRS990/OtherExpensesGrp/TotalAmt3881636
IRS990/OtherLiabilitiesGrp/BOYAmt0592736446
IRS990/OtherLiabilitiesGrp/EOYAmt0689166838
IRS990/OtherRevenueMiscGrp/BusinessCd0520000
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IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt046488
IRS990/OtherRevenueTotalAmt046488
IRS990/OtherSalariesAndWagesGrp/TotalAmt010380783
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0526473029
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IRS990/PayrollTaxesGrp/TotalAmt0857874
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IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
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IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01023291
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01234117
IRS990/PrincipalOfficerNm0ERIK SHAW
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN RECEIVABLE
IRS990/ProgramServiceRevenueGrp/Desc1FEES, CHARGES, OTHER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt026921229
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt114459742
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt026921229
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt114459742
IRS990/ProgSrvcAccomActy2Grp/Desc0ATM SERVICES PROVIDED TO THE MEMBERSHIP REPRESENTED $2,502,120 OF TOTAL EXPENSES INCURRED DURING THE YEAR ENDED DECEMBER 31, 2020.
IRS990/ProgSrvcAccomActy3Grp/Desc0LOAN SERVICING FOR CREDIT CARDS PROVIDED TO THE MEMBERSHIP REPRESENTED A COST OF APPROXIAMATELY $1,260,886 INCURRED DURING THE YEAR ENDED DECEMBER 31, 2020.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt0347547
IRS990/PYInvestmentIncomeAmt02179092
IRS990/PYOtherExpensesAmt024033290
IRS990/PYOtherRevenueAmt050829
IRS990/PYProgramServiceRevenueAmt041433237
IRS990/PYRevenuesLessExpensesAmt03529800
IRS990/PYSalariesCompEmpBnftPaidAmt015752521
IRS990/PYTotalExpensesAmt040133358
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt043663158
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt07647922
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt07961636
IRS990/ReconcilationRevenueExpnssAmt02212110
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$772,281,463
Liabilities
$693,718,388
Net assets
$78,563,075
Revenue
$43,125,842
Expenses
$40,913,732
Net income
$2,212,110
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$987$907$80.2$68.9$66.1$2.83
2023Detailed filing. Detailed filing data is available for this year.$941$865$76.0$58.8$56.5$2.31
2022Detailed filing. Detailed filing data is available for this year.$875$801$74.2$49.4$44.5$4.95
2021Detailed filing. Detailed filing data is available for this year.$833$751$82.3$45.9$40.1$5.83
2020Detailed filing. Detailed filing data is available for this year.$772$694$78.6$43.1$40.9$2.21
2019Detailed filing. Detailed filing data is available for this year.$672$597$75.0$43.7$40.1$3.53
2018Detailed filing. Detailed filing data is available for this year.$601$531$70.1$41.7$38.0$3.74
2017Detailed filing. Detailed filing data is available for this year.$638$572$66.9$38.6$37.0$1.58
2016Detailed filing. Detailed filing data is available for this year.$544$479$64.9$39.3$34.5$4.74
2015Detailed filing. Detailed filing data is available for this year.$507$448$59.7$36.1$31.7$4.47
2014Detailed filing. Detailed filing data is available for this year.$475$420$56.0$33.8$29.0$4.77