Civic Intelligence

Educators Credit Union

990 • Fiscal year 2023 • EIN 74-1129327

Jan 01, 2023 to Dec 31, 2023 • Filed on Nov 04, 2024

501 W State Hwy 6Waco, TX 76712

(254) 776-7900

Siviq Scores

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

Liabilities / Assets

8th percentile

0.83x

Higher debt load relative to assets than 8% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2023

Liabilities / Revenue

88th percentile

20.85x

Higher debt load relative to revenue than 88% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2023

Net Margin

99th percentile

43%

Higher net margin than 99% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2023

Top Officer Pay

63rd percentile

$494,518

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2023

Asset Growth

50th percentile

1.8%

Faster asset growth than 50% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2023

Revenue Growth

94th percentile

49%

Faster revenue growth than 94% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2023

Assets

Up

$547,594,494

Up $9,843,078 (+1.8%) from 2022

Net Assets

Up

$95,056,897

Up $9,272,376 (+11%) from 2022

Liabilities

Up

$452,537,597

Up $570,702 (+0.1%) from 2022

Revenue

Up

$21,701,233

Up $7,097,007 (+49%) from 2022

Expenses

Up

$12,428,857

Up $3,869,050 (+45%) from 2022

Net Income

Up

$9,272,376

Up $3,227,957 (+53%) from 2022

Historical Trend

Balance Sheet Trend

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

$600M$400M$200M$0Assets 2011: $332,195,243Liabilities 2011: $286,127,262Net Assets 2011: $46,067,9812011Assets 2012: $341,514,524Liabilities 2012: $293,203,350Net Assets 2012: $48,311,1742012Assets 2013: $353,634,496Liabilities 2013: $300,990,882Net Assets 2013: $52,643,6142013Assets 2014: $364,033,864Liabilities 2014: $307,705,530Net Assets 2014: $56,328,3342014Assets 2015: $383,386,027Liabilities 2015: $323,953,146Net Assets 2015: $59,432,8812015Assets 2016: $390,705,690Liabilities 2016: $328,935,166Net Assets 2016: $61,770,5242016Assets 2017: $401,271,928Liabilities 2017: $336,671,460Net Assets 2017: $64,600,4682017Assets 2018: $406,585,412Liabilities 2018: $337,820,959Net Assets 2018: $68,764,4532018Assets 2019: $415,310,486Liabilities 2019: $342,073,770Net Assets 2019: $73,236,7162019Assets 2020: $466,926,206Liabilities 2020: $390,402,955Net Assets 2020: $76,523,2512020Assets 2021: $523,380,753Liabilities 2021: $443,640,651Net Assets 2021: $79,740,1022021Assets 2022: $537,751,416Liabilities 2022: $451,966,895Net Assets 2022: $85,784,5212022Assets 2023: $547,594,494Liabilities 2023: $452,537,597Net Assets 2023: $95,056,8972023Assets 2024: $549,328,667Liabilities 2024: $444,324,975Net Assets 2024: $105,003,6922024

Highlighted filing

2023

Assets$547,594,494
Liabilities$452,537,597
Net Assets$95,056,897

Operations Trend

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

$30M$20M$10M$0Expenses 2011: $9,363,8632011Expenses 2012: $8,355,2492012Revenue 2013: $11,885,969Expenses 2013: $7,832,756Net Income 2013: $4,053,2132013Revenue 2014: $11,441,788Expenses 2014: $7,757,075Net Income 2014: $3,684,7132014Revenue 2015: $11,101,191Expenses 2015: $7,996,643Net Income 2015: $3,104,5482015Revenue 2016: $10,620,451Expenses 2016: $8,282,808Net Income 2016: $2,337,6432016Revenue 2017: $11,225,421Expenses 2017: $8,395,477Net Income 2017: $2,829,9442017Revenue 2018: $12,675,304Expenses 2018: $8,511,319Net Income 2018: $4,163,9852018Revenue 2019: $13,980,900Expenses 2019: $9,508,637Net Income 2019: $4,472,2632019Revenue 2020: $13,003,577Expenses 2020: $9,717,042Net Income 2020: $3,286,5352020Revenue 2021: $11,564,364Expenses 2021: $8,347,515Net Income 2021: $3,216,8492021Revenue 2022: $14,604,226Expenses 2022: $8,559,807Net Income 2022: $6,044,4192022Revenue 2023: $21,701,233Expenses 2023: $12,428,857Net Income 2023: $9,272,3762023Revenue 2024: $24,524,556Expenses 2024: $14,577,761Net Income 2024: $9,946,7952024

Highlighted filing

2023

Revenue$21,701,233
Expenses$12,428,857
Net Income$9,272,376
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 4, 2024
Return Version
2023v5.1
Gross Receipts
$21,719,233
Mission and Program Overview

Mission

Educators credit union is committed to providing sound financial services, which are beneficial to the member owner. The credit union will accomplish this in a caring and professional manner.

To provide reasonably priced financial services to the members of the organization.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$228,612,400$251,743,279▲ $23,130,879
Other Notes and Loans Receivable, Net$183,880,827$165,426,323▼ $18,454,504
Savings and Temporary Cash Investments$113,357,277$118,870,974▲ $5,513,697
Rtn Earn Endowment Incm Other Fnds$85,784,521$95,056,897▲ $9,272,376
Land, Buildings, and Equipment, Net$4,553,766$4,420,289▼ $133,477
Cash and Non-Interest-Bearing Accounts$1,899,175$1,324,125▼ $575,050
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$537,751,416$547,594,494▲ $9,843,078
Other Assets Total$5,447,971$5,809,504▲ $361,533
Liabilities
Accounts Payable and Accrued Expenses$451,966,895$452,537,597▲ $570,702
Total Liabilities$451,966,895$452,537,597▲ $570,702
Net Assets / Fund Balance
Total Net Assets Fund Balance$85,784,521$95,056,897▲ $9,272,376
Total Liabilities and Net Assets / Fund Balance$537,751,416$547,594,494▲ $9,843,078

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,115,832$2,346,564$5,462,396
Equipment$198,350$2,771,850$2,970,200
Land$1,106,107-$1,106,107
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
William PalasotaPresidentFT$420,226$74,292$494,518
Sharon SchroederV.p. AccountingFT$300,689$44,688$345,377
Ryan GonzalesIt Director-$173,133$35,531$208,664
Monica KrenekV.p. LendingFT$160,579$33,506$194,085
Rachel E WildeMarketing Director-$125,856$28,981$154,837

Board Members and Trustees

NameTitle
Al PollardChairman
Connie WedemeyerVice Chairman
Aimee SheltonDirector
Angelo OchoaDirector
David ShepherdDirector
Stan MitchellDirector
Hazel RoweSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,308,083
Investment Income
$19,400,370
Other Revenue
$-7,220
Change in Net Assets
$9,272,376

Audited Revenue Reconciliation

Revenue per Audited Statements
$21,701,233
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$18,000
Total Revenue per Audited Statements
$21,719,233
Total Revenue per Form 990
$21,701,233
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,000,482
Salaries, Compensation, and Employee Benefits$4,416,375
Grants and Similar Amounts Paid$12,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$5,224,199
Other Salaries and Wages---$2,653,790
Information Technology---$1,056,259
Current Officers, Directors, Trustees, and Key Employees---$839,895
Occupancy---$560,242
Other Employee Benefits---$442,824
Office Expenses---$280,963
Fees for Services Legal---$280,186
Pension Plan Contributions---$258,964
Advertising---$245,811
Payroll Taxes---$220,902
Depreciation Depletion---$155,294
Insurance---$97,049
Travel---$56,018
Fees for Services Accounting---$46,892
Grants to Domestic Individuals---$12,000
Other Expenses---$-2,431
Total Functional Expenses$0$0$0$12,428,857

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$12,446,857
Expenses per Audited Statements$12,428,857
Total Expenses per Form 990$12,428,857
Expenses Not Reported on Form 990$18,000
Expenses Not Reported on Financial Statements$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
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
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's customers are considered members of the organization.

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

The members meet annually in march to elect directors to the open postions on the board. A special nominating committee selects the candidates on which the membership votes. Current bylaws do not allow for nominations from the floor during the annual meeting, but any member of legal age desiring nomination may do so by presenting a petition with 200 signatures of primary account holders to the nominating committee by the specified date in the january newsletter.

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

Any governance decisions requiring ratification by the membership are presented at the annual meeting and are voted on by the membership present at that time.

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

The form 990 is not provided to the board of directors prior to its filing, but is available for review upon request.

Form 990, Part VI, Section B, Line 15

The process for determining compensation of the organization's ceo includes a review and approval by the board of directors during a regularly scheduled meeting.

Form 990, Part VI, Section C, Line 19

The organization posts its financial statements at all branches. The governing documents and policies are available upon request.

Filing and Contact Details

Filer

Filer Name
Educators Credit Union
EIN
74-1129327
Phone
2547767900
Address
501 W STATE HWY 6, WACO, TX 76712

Signing Officer

Name
William Palasota
Title
President
Phone
2547767900
Signed
2024-11-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William Palasota
Formed
1938
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
75
Volunteers
0

Preparer

Firm
Pattillo Brown & Hill Llp
Address
P O BOX 20725, WACO, TX 76702-0725
Preparer
Sharon M Herwald CPA
Phone
2547724901
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

The oversight/selection process has not changed from the prior year.

Financial Statement Notes

PART XI, LINE 2D - OTHER ADJUSTMENTS:

Expenses offset income 18,000.

PART XII, LINE 2D - OTHER ADJUSTMENTS:

Expenses offset income 18,000.

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IRS990/Desc0THE LARGEST CREDIT UNION IN CENTRAL TEXAS, EDUCATORS CREDIT UNION MEETS THE FINANCIAL NEEDS OF ITS MEMBERS BY PROVIDING A WIDE VARIETY OF SERVICES AT COMPETITIVE RATES IN SEVEN CONVENIENT LOCATIONS. THE CREDIT UNION SERVES MORE THAN 36,000 MEMBERS WHO LIVE, WORK, OR ATTEND SCHOOL IN THE TEXAS COUNTIES OF MCLENNAN, BOSQUE, BELL, LIMESTONE, FALLS, HAMILTON, HILL, CORYELL, AND LAMPASSAS.
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IRS990/MissionDesc0EDUCATORS CREDIT UNION IS COMMITTED TO PROVIDING SOUND FINANCIAL SERVICES, WHICH ARE BENEFICIAL TO THE MEMBER OWNER. THE CREDIT UNION WILL ACCOMPLISH THIS IN A CARING AND PROFESSIONAL MANNER.
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IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05447971
IRS990/OtherAssetsTotalGrp/EOYAmt05809504
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0442824
IRS990/OtherExpensesGrp/Desc0LOAN LOSS EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0-2431
IRS990/OtherRevenueMiscGrp/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/Desc0MEMBER RELATED INSURANCE COMMISSI
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt09071
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt09071
IRS990/OtherRevenueTotalAmt09071
IRS990/OtherSalariesAndWagesGrp/TotalAmt02653790
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0183880827
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0165426323
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0220902
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0258964
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0WILLIAM PALASOTA
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0MEMBER FEES, ETC
IRS990/ProgramServiceRevenueGrp/Desc1NON MEMBER ATM FEES, MBI & MISC
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02272083
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02272083
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt136000
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt036000
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt012000
IRS990/PYInvestmentIncomeAmt012254140
IRS990/PYOtherExpensesAmt04318658
IRS990/PYOtherRevenueAmt0-16149
IRS990/PYProgramServiceRevenueAmt02366235
IRS990/PYRevenuesLessExpensesAmt06044419
IRS990/PYSalariesCompEmpBnftPaidAmt04229149
IRS990/PYTotalExpensesAmt08559807
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt014604226
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt09272376
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0-16291
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt085784521
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt095056897
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0113357277
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0118870974
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03115832
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02346564
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05462396
IRS990ScheduleD/EquipmentGrp/BookValueAmt0198350
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02771850
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02970200
IRS990ScheduleD/ExpensesNotReportedAmt018000
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt012428857
IRS990ScheduleD/LandGrp/BookValueAmt01106107
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01106107
IRS990ScheduleD/OtherExpensesIncludedAmt018000
IRS990ScheduleD/OtherRevenueAmt018000
IRS990ScheduleD/RevenueNotReportedAmt018000
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt021701233
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0EXPENSES OFFSET INCOME 18,000.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1EXPENSES OFFSET INCOME 18,000.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04420289
IRS990ScheduleD/TotalExpensesPerForm990Amt012428857
IRS990ScheduleD/TotalRevenuePerForm990Amt021701233
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt021719233
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt012446857
IRS990ScheduleI/GrantRecordsMaintainedInd00
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt012000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SEVERAL SCHOLARSHIPS ARE AWARDED EACH YEAR TO GRADUATING SENIORS WHO ARE CREDIT UNION MEMBERS OR THE DEPENDENT OF A CREDIT UNION MEMBER. TWELVE SCHOLARSHIPS OF $1,000 WERE AWARDED IN THE CURRENT YEAR.
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt012
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0420226
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1300689
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2173133
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3160579
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4125856
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount04000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount12000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt038000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt128000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt222900
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt320875
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt416350
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt032292
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt114688
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt212631
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt312631
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt412631
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0WILLIAM PALASOTA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1SHARON SCHROEDER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2RYAN GONZALES
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3MONICA KRENEK
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4RACHEL E WILDE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1V.P. ACCOUNTING
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2IT DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3V.P. LENDING
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4MARKETING DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0494518
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1345377
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2208664
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3194085
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt4154837
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt40
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0IT IS CREDIT UNION POLICY TO PAY FOR THE TRAVEL EXPENSES OF THE SPOUSE OF A DIRECTOR OR EMPLOYEE WHILE THE DIRECTOR OR EMPLOYEE IS ON A BUSINESS TRIP.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1WILLIAM PALASOTA - 457B PLAN - $12,607 SHARON SHROEDER - 457B PLAN - $9,081 MONICA KRENEK - 457B PLAN - $4,817 RYAN GONZALES - 457B PLAN - $5,194 RACHEL WILDE - 457B PLAN - 3,776
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1A
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/TravelForCompanionsInd0X

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$549$444$105$24.5$14.6$9.95
2023Detailed filing. Detailed filing data is available for this year.$548$453$95.1$21.7$12.4$9.27
2022Detailed filing. Detailed filing data is available for this year.$538$452$85.8$14.6$8.56$6.04
2021Detailed filing. Detailed filing data is available for this year.$523$444$79.7$11.6$8.35$3.22
2020Detailed filing. Detailed filing data is available for this year.$467$390$76.5$13.0$9.72$3.29
2019Detailed filing. Detailed filing data is available for this year.$415$342$73.2$14.0$9.51$4.47
2018Detailed filing. Detailed filing data is available for this year.$407$338$68.8$12.7$8.51$4.16
2017Detailed filing. Detailed filing data is available for this year.$401$337$64.6$11.2$8.40$2.83
2016Detailed filing. Detailed filing data is available for this year.$391$329$61.8$10.6$8.28$2.34
2015Detailed filing. Detailed filing data is available for this year.$383$324$59.4$11.1$8.00$3.10
2014Detailed filing. Detailed filing data is available for this year.$364$308$56.3$11.4$7.76$3.68
2013Detailed filing. Detailed filing data is available for this year.$354$301$52.6$11.9$7.83$4.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$342$293$48.3$8.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$332$286$46.1$9.36