Civic Intelligence

Community Resource Credit Union

990 • Fiscal year 2017 • EIN 74-1109927

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 01, 2018

Organization ProfileWWW.CRCU.COM

View Organization Page

2900 Decker DriveBaytown, TX 77520

(281) 422-3611

Siviq Scores

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

Liabilities / Assets

97th percentile

0.92x

Higher debt load relative to assets than 97% of similar nonprofits.

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

Liabilities / Revenue

20th percentile

14.70x

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

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

Net Margin

23rd percentile

7.8%

Higher net margin than 23% of similar nonprofits.

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

Top Officer Pay

44th percentile

$378,782

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

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

Asset Growth

95th percentile

18%

Faster asset growth than 95% of similar nonprofits.

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

Revenue Growth

71st percentile

11%

Faster revenue growth than 71% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets97th percentile

Assets

Up

$499,269,426

Up $77,371,187 (+18%) from 2016

Net Assets

Up

$37,561,004

Up $2,084,603 (+5.9%) from 2016

Liabilities

Up

$461,708,422

Up $75,286,584 (+19%) from 2016

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin23rd percentile

Revenue

Up

$31,412,735

Up $3,164,405 (+11%) from 2016

Expenses

Up

$28,965,715

Up $3,023,911 (+12%) from 2016

Net Income

Up

$2,447,020

Up $140,494 (+6.1%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth95th percentile

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

$1.0B$500M$0Assets 2011: $292,266,166Liabilities 2011: $265,840,059Net Assets 2011: $26,426,1072011Assets 2012: $305,918,280Liabilities 2012: $277,772,328Net Assets 2012: $28,145,9522012Assets 2013: $329,236,688Liabilities 2013: $300,871,187Net Assets 2013: $28,365,5012013Assets 2014: $355,045,620Liabilities 2014: $323,461,460Net Assets 2014: $31,584,1602014Assets 2015: $380,061,947Liabilities 2015: $345,708,440Net Assets 2015: $34,353,5072015Assets 2016: $421,898,239Liabilities 2016: $386,421,838Net Assets 2016: $35,476,4012016Assets 2017: $499,269,426Liabilities 2017: $461,708,422Net Assets 2017: $37,561,0042017Assets 2018: $520,367,685Liabilities 2018: $476,255,463Net Assets 2018: $44,112,2222018Assets 2019: $564,704,064Liabilities 2019: $515,768,539Net Assets 2019: $48,935,5252019Assets 2020: $643,446,616Liabilities 2020: $594,219,072Net Assets 2020: $49,227,5442020Assets 2021: $712,967,542Liabilities 2021: $651,371,148Net Assets 2021: $61,596,3942021Assets 2022: $763,924,806Liabilities 2022: $702,381,216Net Assets 2022: $61,543,5902022Assets 2023: $848,944,025Liabilities 2023: $781,327,311Net Assets 2023: $67,616,7142023Assets 2024: $895,067,097Liabilities 2024: $814,574,378Net Assets 2024: $80,492,7192024

Highlighted filing

2017

Assets$499,269,426
Liabilities$461,708,422
Net Assets$37,561,004
Open 2017 Filing

Operations Trend

Revenue Growth71st percentile

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

$80M$60M$40M$20M$0Expenses 2011: $17,864,5762011Expenses 2012: $19,292,9872012Revenue 2013: $21,255,809Expenses 2013: $20,579,131Net Income 2013: $676,6782013Revenue 2014: $23,591,520Expenses 2014: $21,371,176Net Income 2014: $2,220,3442014Revenue 2015: $25,786,379Expenses 2015: $22,449,749Net Income 2015: $3,336,6302015Revenue 2016: $28,248,330Expenses 2016: $25,941,804Net Income 2016: $2,306,5262016Revenue 2017: $31,412,735Expenses 2017: $28,965,715Net Income 2017: $2,447,0202017Revenue 2018: $37,341,886Expenses 2018: $31,709,585Net Income 2018: $5,632,3012018Revenue 2019: $40,320,206Expenses 2019: $34,609,227Net Income 2019: $5,710,9792019Revenue 2020: $39,577,524Expenses 2020: $36,434,750Net Income 2020: $3,142,7742020Revenue 2021: $43,169,320Expenses 2021: $33,604,914Net Income 2021: $9,564,4062021Revenue 2022: $47,539,964Expenses 2022: $39,302,500Net Income 2022: $8,237,4642022Revenue 2023: $56,032,649Expenses 2023: $50,569,493Net Income 2023: $5,463,1562023Revenue 2024: $67,415,325Expenses 2024: $60,587,487Net Income 2024: $6,827,8382024

Highlighted filing

2017

Revenue$31,412,735
Expenses$28,965,715
Net Income$2,447,020
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 1, 2018
Return Version
2017v2.3
Gross Receipts
$31,445,369
Mission and Program Overview

Mission

To help our members achieve financial well-being, through a lifetime partnership by providing exceptional service and quality products.

To help our members achieve financial well-being, through a lifetime partnership providing exceptional service & quality products.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$360,170,233$409,621,137▲ $49,450,904
Savings and Temporary Cash Investments$6,201,356$37,664,230▲ $31,462,874
Rtn Earn Endowment Incm Other Fnds$35,476,401$37,561,004▲ $2,084,603
Land, Buildings, and Equipment, Net$22,231,685$23,529,627▲ $1,297,942
Investments in Publicly Traded Securities$13,091,455$9,948,336▼ $3,143,119
Cash and Non-Interest-Bearing Accounts$6,418,104$4,333,648▼ $2,084,456
Prepaid Expenses and Deferred Charges$4,595,526$3,731,918▼ $863,608
Receivables From Officers Etc$867,821$1,479,821▲ $612,000
Investments Other Securities$665,100$1,175,700▲ $510,600
Accounts Receivable$1,466,666$701,063▼ $765,603
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$421,898,239$499,269,426▲ $77,371,187
Other Assets Total$6,190,293$7,083,946▲ $893,653
Liabilities
Other Liabilities$381,095,399$456,016,436▲ $74,921,037
Accounts Payable and Accrued Expenses$5,326,439$5,691,986▲ $365,547
Total Liabilities$386,421,838$461,708,422▲ $75,286,584
Net Assets / Fund Balance
Total Net Assets Fund Balance$35,476,401$37,561,004▲ $2,084,603
Total Liabilities and Net Assets / Fund Balance$421,898,239$499,269,426▲ $77,371,187

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$15,523,846$6,010,245$21,534,091
Equipment$3,612,828$12,146,867$15,759,695
Land$4,392,953-$4,392,953
Compensation and Service Providers
Top Officer Pay44th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David FrazierPresident/CEOFT$295,633$83,149$378,782
Russell BallardExecutive VPFT$174,043$77,326$251,369
Steve BoylanCOO/SVP LendingFT$135,045$46,092$181,137
Tammy LocketteVP Information TechnologyFT$136,263$44,348$180,611
Aaron RathboneVP of Business LendingFT$90,788$78,818$169,606
Deena SmithSVP/CFOFT$145,914$20,785$166,699
Travis SmithVP Financial AdvisorFT$14,085$140,956$155,041
Matthew GlasscoSr Systems EngineerFT$117,511$35,460$152,971

Board Members and Trustees

NameTitle
Randall SandersChairperson
Connie a TiltonBod Member
David MohlamBod Member
Dick DawsonBod Member
Roy BarefieldBod Member
Trudy MastersBod Member
William VolaBod Member
Jonna Cagle-pageTreasurer
Thomas CoughlenVice Chariman

Highest Paid Contractors

ContractorServicesLocationCompensation
Newground Resources INCBuilding ConstructionPO BOX 6228, Carol Stream, IL 60197$873,177
Vantiv LLCDebit And Credit Card Processor8500 GOVERNORS HILL DR, Symmes Township, OH 45249$755,896
Digital Insight CorporationOnline And Mobile Banking ProviderPO BOX 515306, Los Angeles, CA 90051$574,456
Jack Henry & Associates INCCore Processor And Alm SoftwarePO BOX 609, Monett, MO 65708$407,465
LanveraSends Out Statements, Notices, And Tax F13755 HUTTON DR STE 100, Farmers Branch, TX 75234$329,525
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$30,967,833
Investment Income
$444,902
Other Revenue
$0
Change in Net Assets
$2,447,020
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,356,863
Salaries, Compensation, and Employee Benefits$11,532,684
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$8,354,551
All Other Expenses---$2,881,406
Benefits to Members---$2,076,168
Advertising---$1,497,076
Depreciation Depletion---$1,447,650
Fees for Services Other---$1,337,896
Office Expenses---$1,211,214
Occupancy---$979,293
Pension Plan Contributions---$844,848
Other Employee Benefits---$836,896
Current Officers, Directors, Trustees, and Key Employees---$796,848
Payroll Taxes---$699,541
Other Expenses---$663,583
Conferences and Meetings---$255,858
Insurance---$156,139
Fees for Services Accounting---$119,144
Fees for Services Legal---$115,057
Interest---$48,224
Travel---$39,453
Total Functional Expenses$0$0$0$28,965,715
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$867,821$1,479,821▲ $612,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$296,792,182
Certificates of Deposit$66,586,091
Share Draft$45,515,694
Ira Shares$25,701,453
Money Market Shares$21,173,016
Nonmember Certificates of Deposit$248,000
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
No
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

“Community resource credit union is a state chartered credit union with members.”

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

“The board of directors is the governing body and is elected annually by the community resource credit union members.”

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

“The form 990 is reviwed by the ceo and the cfo, who is a certified public accountant. A copy of the form 990 is provided to the board of directors.”

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

“When employees are hired, they must acknowledge they have read employee policies. They must sign again if any changes are made to the policies. Community resource credit union officers, directors, and key employees are directed to disclose to their department head and the human resources department if another interest could give rise to conflicts in regards to our conflict of interst policy.”

Form 990, Part VI, Section B, Line 15A

“The ceo's salary is approved by the compensation committee of the board of directors. We use compease (crcu's salary administration system), nafcu bfb survey, and consultation from business compensation consultants for data comparability when determining the ceo's compensation. Documentation is maintained in individual board member assessments, assessment summary, and employee status change form. Compensation of other officers and key employees are reviewed and determined by the director of hr and hiring manager, and when deemed appropriate the ceo. We use a compensation management system to support salary determinations. Documentation is maintained within the employee file.”

Form 990, Part VI, Section C, Line 19

“Our conflict of interest policy is contained in the employee handbook. The conflict of interest policy and governing documents are not made available to the public. Financial statements are available in the call report on the ncua website.”

Filing and Contact Details

Filer

Filer Name
Community Resource Credit Union
EIN
74-1109927
Phone
2814223611
Address
2900 DECKER DRIVE, BAYTOWN, TX 77520

Signing Officer

Name
Deena Smith
Title
SVP/CFO
Phone
2814223611
Signed
2018-11-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Frazier
Formed
1935
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
206
Volunteers
11

Preparer

Firm
Cliftonlarsonallen Llp
Address
PO BOX 217, AUSTIN, MN 55912
Preparer
Tanya Medgaarden
Phone
5074347000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Other comprehensive income -329,744.”

FORM 990, PART XII, LINE 2C:

“The process did not change during 2017.”

Financial Statement Notes

PART X, LINE 2:

“As allowed by state regulatory authorities, the audit is done as of march 31. The reporting period for the audit, therefore, does not match the reporting period for the 990. Per foodtnote 1 in the credit union's march 31, 2018 and 2017 audited financial statements, the credit union is exempt, under irc 501(c)(14), from federal and state income taxes. Certain products and services provided by select state chartered credit unions have beeen deemed by the internal revenue service (irs), in technical advice memorandums (tams) released in 2007, to be unrelated to the specific entity's exempt purpose. As presented in the technical advice memorandums, the net taxable income from these products and services would be subject to income taxes. Credit unions have litigated against the irs positions noted in the tams and have been successful in having courts declare in 2009 and 2010 that revenue from insurance products sold to members, helping them protect their financial wellbing, qualifies as exempt purpose income, contrary to the irs position in the tams. The taxing authorities have the ability to assess taxes, penalties and interest for any years for which no tax return was filed. In the opinion of management, any liability resulting from taxing authorities imposing income taxes on the net taxable income from activities potentially deemed to be unrelated to the credit union's exempt purpose is not expected to have a materail effect on the credit union's financial position or results of operations. The credit union evaluated its tax positions and determined no uncertain tax positions exist as of march 31, 2018 and 2017. The credit union's 2014 through 2017 tax years are open for examination by federal and state taxing authorities. The cuso, as a limited liability company, has elected to be taxed as a pass-through entity. The profit and loss of the cuso is reflected in the tax return of its owner, the credit union.”

Raw XML AppendixShowing 400 of 668 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/PersonNm5ROY BAREFIELD
IRS990/Form990PartVIISectionAGrp/PersonNm6RANDALL SANDERS
IRS990/Form990PartVIISectionAGrp/PersonNm7CONNIE A TILTON
IRS990/Form990PartVIISectionAGrp/PersonNm8DAVID MOHLAM
IRS990/Form990PartVIISectionAGrp/PersonNm9DAVID FRAZIER
IRS990/Form990PartVIISectionAGrp/PersonNm10DEENA SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm11RUSSELL BALLARD
IRS990/Form990PartVIISectionAGrp/PersonNm12MATTHEW GLASSCO
IRS990/Form990PartVIISectionAGrp/PersonNm13TRAVIS SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm14AARON RATHBONE
IRS990/Form990PartVIISectionAGrp/PersonNm15TAMMY LOCKETTE
IRS990/Form990PartVIISectionAGrp/PersonNm16STEVE BOYLAN
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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11EXECUTIVE VP
IRS990/Form990PartVIISectionAGrp/TitleTxt12SR SYSTEMS ENGINEER
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP OF BUSINESS LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP INFORMATION TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt16COO/SVP LENDING
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IRS990/GrantsToOrganizationsInd00
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IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
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IRS990/InterestGrp/TotalAmt048224
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IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO HELP OUR MEMBERS ACHIEVE FINANCIAL WELL-BEING, THROUGH A LIFETIME PARTNERSHIP PROVIDING EXCEPTIONAL SERVICE & QUALITY PRODUCTS.
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IRS990/MoreThan5000KToOrgInd00
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IRS990/NetUnrelatedBusTxblIncmAmt0-34811
IRS990/NetUnrlzdGainsLossesInvstAmt0-32673
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0979293
IRS990/OfficeExpensesGrp/TotalAmt01211214
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06190293
IRS990/OtherAssetsTotalGrp/EOYAmt07083946
IRS990/OtherChangesInNetAssetsAmt0-329744
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0836896
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN & LE
IRS990/OtherExpensesGrp/Desc1DEBIT CARD PROCESSING
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3REWARD CHECKING
IRS990/OtherExpensesGrp/TotalAmt02026688
IRS990/OtherExpensesGrp/TotalAmt11365128
IRS990/OtherExpensesGrp/TotalAmt21213054
IRS990/OtherExpensesGrp/TotalAmt3663583
IRS990/OtherLiabilitiesGrp/BOYAmt0381095399
IRS990/OtherLiabilitiesGrp/EOYAmt0456016436
IRS990/OtherSalariesAndWagesGrp/TotalAmt08354551
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0360170233
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0409621137
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0699541
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0844848
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt04595526
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03731918
IRS990/PrincipalOfficerNm0DAVID FRAZIER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt018613039
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt17240706
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt25066126
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt018613039
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt17288668
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt25066126
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt047962
IRS990/ProgSrvcAccomActy2Grp/Desc0CHECKING ACCOUNTS - COMMUNITY RESOURCE CREDIT UNION PROVIDES CHECKING ACCOUNTS FOR MEMBERS WITH VARIOUS FEATURES; FROM FREE ACCOUNTS TO THOSE WITH ENHANCED BENEFITS. DIVIDENDS ARE PAID MONTHLY. ADDITIONALY, THE CREDIT UNION EXTENDS THE REACH OF THESE ACCOUNTS TO ALL MEMBERS WITH FREE DEBIT CARD AND INTERNET ACCOUNT ACCESS.
IRS990/ProgSrvcAccomActy3Grp/Desc0MEMBER LOANS - COMMUNITY RESOURCE CREDIT UNION PROVIDES VEHICLE LOANS AND MORTGAGES. WE ALSO OFFER EXCEPTIONAL INTEREST RATES ON LOANS FOR RECREATIONAL VEHICLES, BOATS, AND MOTORCYCLES. CREDIT LIFE AND DISABILITY INSURANCE IS AVAILABLE ON ANY OF THESE LOAN TYPES.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0589579
IRS990/PYOtherExpensesAmt015855260
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt027658751
IRS990/PYRevenuesLessExpensesAmt02306526
IRS990/PYSalariesCompEmpBnftPaidAmt010086544
IRS990/PYTotalExpensesAmt025941804
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt028248330
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0867821
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01479821
IRS990/ReconcilationRevenueExpnssAmt02447020
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt037561004
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06201356
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IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt06010245
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt021534091
IRS990ScheduleD/EquipmentGrp/BookValueAmt03612828
IRS990ScheduleD/EquipmentGrp/DepreciationAmt012146867
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt015759695
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt04392953
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04392953
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt121173016
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt245515694
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt325701453
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt466586091
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5248000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5NONMEMBER CERTIFICATES OF DEPOSIT
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0AS ALLOWED BY STATE REGULATORY AUTHORITIES, THE AUDIT IS DONE AS OF MARCH 31. THE REPORTING PERIOD FOR THE AUDIT, THEREFORE, DOES NOT MATCH THE REPORTING PERIOD FOR THE 990. PER FOODTNOTE 1 IN THE CREDIT UNION'S MARCH 31, 2018 AND 2017 AUDITED FINANCIAL STATEMENTS, THE CREDIT UNION IS EXEMPT, UNDER IRC 501(C)(14), FROM FEDERAL AND STATE INCOME TAXES. CERTAIN PRODUCTS AND SERVICES PROVIDED BY SELECT STATE CHARTERED CREDIT UNIONS HAVE BEEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS), IN TECHNICAL ADVICE MEMORANDUMS (TAMS) RELEASED IN 2007, TO BE UNRELATED TO THE SPECIFIC ENTITY'S EXEMPT PURPOSE. AS PRESENTED IN THE TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES WOULD BE SUBJECT TO INCOME TAXES. CREDIT UNIONS HAVE LITIGATED AGAINST THE IRS POSITIONS NOTED IN THE TAMS AND HAVE BEEN SUCCESSFUL IN HAVING COURTS DECLARE IN 2009 AND 2010 THAT REVENUE FROM INSURANCE PRODUCTS SOLD TO MEMBERS, HELPING THEM PROTECT THEIR FINANCIAL WELLBING, QUALIFIES AS EXEMPT PURPOSE INCOME, CONTRARY TO THE IRS POSITION IN THE TAMS. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERAIL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF MARCH 31, 2018 AND 2017. THE CREDIT UNION'S 2014 THROUGH 2017 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. THE CUSO, AS A LIMITED LIABILITY COMPANY, HAS ELECTED TO BE TAXED AS A PASS-THROUGH ENTITY. THE PROFIT AND LOSS OF THE CUSO IS REFLECTED IN THE TAX RETURN OF ITS OWNER, THE CREDIT UNION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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IRS990ScheduleD/TotalLiabilityAmt0456016436
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2174043
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3117511
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt414085

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Filings

Displayed year

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

Open filing
Assets
$499,269,426
Liabilities
$461,708,422
Net assets
$37,561,004
Revenue
$31,412,735
Expenses
$28,965,715
Net income
$2,447,020
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$895$815$80.5$67.4$60.6$6.83
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$849$781$67.6$56.0$50.6$5.46
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$764$702$61.5$47.5$39.3$8.24
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$713$651$61.6$43.2$33.6$9.56
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$643$594$49.2$39.6$36.4$3.14
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$565$516$48.9$40.3$34.6$5.71
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$520$476$44.1$37.3$31.7$5.63
2017Detailed filing. Detailed filing data is available for this year.$499$462$37.6$31.4$29.0$2.45
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$422$386$35.5$28.2$25.9$2.31
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$380$346$34.4$25.8$22.4$3.34
2014Detailed filing. Detailed filing data is available for this year.$355$323$31.6$23.6$21.4$2.22
2013Detailed filing. Detailed filing data is available for this year.$329$301$28.4$21.3$20.6$0.68
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$306$278$28.1$19.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$292$266$26.4$17.9