Civic Intelligence

C T E C U

EIN 74-1199174 • 501(c)14 • Houston, TX

Profile

The mission of CTECU is to offer members exceptional service, competitive interest rates, and sound financial management. This mission is accomplished by aggressive loan promotions, maximizing return on investments, and responsive member services and education.

3100 Wilcrest Suite 141Houston, TX 77042

www.ctecu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

12th percentile

0.81x

Higher debt load relative to assets than 12% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2022

Liabilities / Revenue

100th percentile

45.69x

Higher debt load relative to revenue than 100% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2022

Net Margin

2nd percentile

-63%

Higher net margin than 2% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

9th percentile

-7.9%

Faster asset growth than 9% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Revenue Growth

1st percentile

-30%

Faster revenue growth than 1% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Assets

Down

$25,500,038

Down $2,190,787 (-7.9%) from 2021

Liabilities

Down

$20,676,740

Down $1,906,404 (-8.4%) from 2021

Net Assets

Down

$4,823,298

Down $284,383 (-5.6%) from 2021

Revenue

Down

$452,540

Down $198,371 (-30%) from 2021

Expenses

Up

$736,923

Up $55,897 (+8.2%) from 2021

Net Income

Down

-$284,383

Down $254,268 (-844%) from 2021

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2010: $45,825,695Liabilities 2010: $40,813,065Net Assets 2010: $5,012,6302010Assets 2011: $50,449,021Liabilities 2011: $45,347,101Net Assets 2011: $5,101,9202011Assets 2012: $56,943,376Liabilities 2012: $51,663,273Net Assets 2012: $5,280,1032012Assets 2013: $55,066,260Liabilities 2013: $49,661,716Net Assets 2013: $5,404,5442013Assets 2014: $49,713,912Liabilities 2014: $44,471,252Net Assets 2014: $5,242,6602014Assets 2015: $43,200,508Liabilities 2015: $38,103,042Net Assets 2015: $5,097,4662015Assets 2016: $37,909,667Liabilities 2016: $32,821,949Net Assets 2016: $5,087,7182016Assets 2017: $33,721,363Liabilities 2017: $28,638,599Net Assets 2017: $5,082,7642017Assets 2018: $28,217,862Liabilities 2018: $23,134,900Net Assets 2018: $5,082,9622018Assets 2019: $26,402,411Liabilities 2019: $21,324,312Net Assets 2019: $5,078,0992019Assets 2020: $27,020,250Liabilities 2020: $21,882,454Net Assets 2020: $5,137,7962020Assets 2021: $27,690,825Liabilities 2021: $22,583,144Net Assets 2021: $5,107,6812021Assets 2022: $25,500,038Liabilities 2022: $20,676,740Net Assets 2022: $4,823,2982022

Highlighted filing

2022

Assets$25,500,038
Liabilities$20,676,740
Net Assets$4,823,298

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,865,2292010Expenses 2011: $1,620,4192011Expenses 2012: $1,523,2712012Revenue 2013: $1,453,991Expenses 2013: $1,329,550Net Income 2013: $124,4412013Revenue 2014: $941,596Expenses 2014: $1,103,480Net Income 2014: -$161,8842014Revenue 2015: $885,072Expenses 2015: $1,030,266Net Income 2015: -$145,1942015Revenue 2016: $838,672Expenses 2016: $848,420Net Income 2016: -$9,7482016Revenue 2017: $792,562Expenses 2017: $797,516Net Income 2017: -$4,9542017Revenue 2018: $748,524Expenses 2018: $748,326Net Income 2018: $1982018Revenue 2019: $721,993Expenses 2019: $726,856Net Income 2019: -$4,8632019Revenue 2020: $733,651Expenses 2020: $673,954Net Income 2020: $59,6972020Revenue 2021: $650,911Expenses 2021: $681,026Net Income 2021: -$30,1152021Revenue 2022: $452,540Expenses 2022: $736,923Net Income 2022: -$284,3832022

Highlighted filing

2022

Revenue$452,540
Expenses$736,923
Net Income-$284,383

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$25.5$20.7$4.82$0.45$0.74$0.28
2021Detailed filing. Detailed filing data is available for this year.$27.7$22.6$5.11$0.65$0.68$0.03
2020Detailed filing. Detailed filing data is available for this year.$27.0$21.9$5.14$0.73$0.67$0.06
2019Detailed filing. Detailed filing data is available for this year.$26.4$21.3$5.08$0.72$0.73$0.00
2018Detailed filing. Detailed filing data is available for this year.$28.2$23.1$5.08$0.75$0.75$0.00
2017Detailed filing. Detailed filing data is available for this year.$33.7$28.6$5.08$0.79$0.80$0.00
2016Detailed filing. Detailed filing data is available for this year.$37.9$32.8$5.09$0.84$0.85$0.01
2015Detailed filing. Detailed filing data is available for this year.$43.2$38.1$5.10$0.89$1.03$0.15
2014Detailed filing. Detailed filing data is available for this year.$49.7$44.5$5.24$0.94$1.10$0.16
2013Detailed filing. Detailed filing data is available for this year.$55.1$49.7$5.40$1.45$1.33$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.9$51.7$5.28$1.52
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.4$45.3$5.10$1.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.8$40.8$5.01$1.87
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
May 1, 2023
Return Version
2022v5.0
Gross Receipts
$452,540
Mission and Program Overview

Mission

The mission of cte credit union is to offer members exceptional service, competitive interest rates, and sound financial management. This mission is accomplished by aggressive loan promotions, maximizing return on investments, and responsive member service and education.

The mission of CTECU is to offer members exceptional service, competitive interest rates, and sound financial management. This is accomplished by aggressive loan promotions, maximizing return on investments, and responsive member service and education.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$20,486,562$18,498,207▼ $1,988,355
Other Notes and Loans Receivable, Net$5,518,077$5,245,950▼ $272,127
Rtn Earn Endowment Incm Other Fnds$5,107,681$4,823,298▼ $284,383
Savings and Temporary Cash Investments$146,085$219,691▲ $73,606
Prepaid Expenses and Deferred Charges$69,761$43,036▼ $26,725
Accounts Receivable$24,325$17,221▼ $7,104
Cash and Non-Interest-Bearing Accounts$28,681$16,747▼ $11,934
Land, Buildings, and Equipment, Net$85$85→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$27,690,825$25,500,038▼ $2,190,787
Other Assets Total$1,417,249$1,459,101▲ $41,852
Liabilities
Other Liabilities$22,555,122$20,617,102▼ $1,938,020
Accounts Payable and Accrued Expenses$28,022$59,638▲ $31,616
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$22,583,144$20,676,740▼ $1,906,404
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,107,681$4,823,298▼ $284,383
Total Liabilities and Net Assets / Fund Balance$27,690,825$25,500,038▼ $2,190,787

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$85$49,638$49,723
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Leasehold Improvements$0$0$0
Other Assets Org$-22,037--
Other Securities$1,498,000--
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jocelyn KapalskiPresident/CEOFT$151,630$23,027$174,657

Board Members and Trustees

NameTitle
Michael BeardChairman of Board
John HantenVice-Chairman
Mike JungVice-Chairman
Melissa HinchBoard Secretary
Janice RogersDirector
Wanda StephanowDirector
Gary CohenTreasurer of Board
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$225,994
Investment Income
$180,032
Other Revenue
$46,514
Change in Net Assets
$-284,383
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$347,196
Other Expenses$330,324
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$166,197
Other Salaries and Wages---$113,412
Information Technology---$110,884
Office Expenses---$59,889
Benefits to Members---$59,403
Occupancy---$38,255
Other Employee Benefits---$32,140
Fees for Service Investment Mgmnt Fees---$21,646
Payroll Taxes---$20,375
Pension Plan Contributions---$15,072
Fees for Services Accounting---$9,592
Other Expenses---$5,804
Advertising---$1,890
Conferences and Meetings---$418
Interest---$6
Total Functional Expenses$0$0$0$736,923
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares and Deposits$20,617,102
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
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 members have the right to elect the members of the Governing Body. the credit union members also receive a share of the Organizations Profits in the form of Cash Dividends.

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

Members of the credit union have the right to elect one or more members of the Organizations Governing Body, whether periodically or as vacancies arise, or otherwise.

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

Members of the credit union have the right to approve the Governing Body's election or removal of members of the Governing Body as well as other matters that are subject to the approval of Members of credit union as they occur.

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

Form 990 is reviewed by the President/CEO prior to filing with the IRS. A Copy of Form 990 is provided to the Board of Directors after the return is filed with the IRS.

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

A review of the Conflicts of Interest is performed by the external auditor and an internal review is performed by Management staff.

Form 990, Part VI, Section B, Line 15

The CTECU Board requires the President/CEO to provide Salary Survey from Cornerstone League on comparable CEO salaries across Texas, Arkansas, and Oklahoma and different asset size credit unions. The Chairman of the Board meets with the Executive Committee of the Board (made up of Chairman, Vice-Chairman, Treasurer, and Secretary). The Chairman then sends a recommendation from the Executive Committee to the rest of the Board of Directors.

Form 990, Part VI, Section C, Line 19

CTECU posts their Annual Meeting Packet that includes the Annual Financial Statements on its website: www.ctecu.org. CTECU does not make its Governing Documents of Conflict of Interest Policy available to the General Public. The Financial Data is also available on American Share Insurance website: https://www.americanshare.com/cu-financial. CTECU is privately insured by American Share Insurance in Ohio as voted by our membership in 2015, effective 12.31.2015.

Filing and Contact Details

Filer

Filer Name
C T E C U
EIN
74-1199174
Phone
7134320038
Address
3100 Wilcrest Suite 141, Houston, TX 77042

Signing Officer

Name
Jocelyn Jackie Kapalski
Title
President
Phone
7134320038
Signed
2023-05-01

Organization Details

Principal Officer
Jocelyn Jackie Kapalski
Formed
1952
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
6
Employees
3
Volunteers
13
Raw XML AppendixShowing 400 of 520 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/TitleTxt3Treasurer of Board
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IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
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IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0180032
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt020486562
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt018498207
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt0426
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt049638
IRS990/LandBldgEquipBasisNetGrp/BOYAmt085
IRS990/LandBldgEquipBasisNetGrp/EOYAmt085
IRS990/LandBldgEquipCostOrOtherBssAmt049723
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt00
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0The mission of CTECU is to offer members exceptional service, competitive interest rates, and sound financial management. This mission is accomplished by aggressive loan promotions, maximizing return on investments, and responsive member services and education.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt05107681
IRS990/NetAssetsOrFundBalancesEOYAmt04823298
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt038255
IRS990/OfficeExpensesGrp/TotalAmt059889
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01417249
IRS990/OtherAssetsTotalGrp/EOYAmt01459101
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt032140
IRS990/OtherExpensesGrp/Desc0Loan Services
IRS990/OtherExpensesGrp/Desc1Member Services
IRS990/OtherExpensesGrp/Desc2Association Dues
IRS990/OtherExpensesGrp/Desc3Operating Fees
IRS990/OtherExpensesGrp/TotalAmt038014
IRS990/OtherExpensesGrp/TotalAmt134848
IRS990/OtherExpensesGrp/TotalAmt29078
IRS990/OtherExpensesGrp/TotalAmt35804
IRS990/OtherLiabilitiesGrp/BOYAmt022555122
IRS990/OtherLiabilitiesGrp/EOYAmt020617102
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/BusinessCd1522130
IRS990/OtherRevenueMiscGrp/Desc0COLI Insurance
IRS990/OtherRevenueMiscGrp/Desc1Dividends on NCUA Stabilization Fund on Corp CU
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt032214
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt114300
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt032214
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt114300
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueTotalAmt046514
IRS990/OtherSalariesAndWagesGrp/TotalAmt0113412
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt05518077
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt05245950
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt020375
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt015072
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt069761
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt043036
IRS990/PrincipalOfficerNm0Jocelyn Jackie Kapalski
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fees and Charges
IRS990/ProgramServiceRevenueGrp/Desc2Miscellaneous
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0196369
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt110229
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt219396
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0196369
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt110229
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt219396
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0CTECU provides low-rate vehicle loans for members. CTECU also provides low-cost Credit Card loans to assist with prudent financial behavior and planning. CTECU provides low-rate Consumer loans for Recreational Vehicles as well as for Boats, Boat motors, and Boat trailers and Motorcycles. CTECU provides Share-secured loans to assist those members who have NO credit history and need to establish credit. Financial counseling and Debt Consolidation loans are provided to assist members with financial difficulties and need guidance with their finances. Vehicle loans for 2022 resulted in 34 loans and $1,519,052.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt038014
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt095338
IRS990/ProgSrvcAccomActy3Grp/Desc0CTECU provides competitive rates on deposit accounts, promoting thrift among its membership of over 1400 members and promoting prudent financial behavior and planning. CTECU provides Savings accounts, Money Market accounts, IRA accounts, and Share draft-checking accounts as well as Certificates of Deposit (CDs). Dividends are paid monthly. Members have access to their accounts via the Shared Branching Network or Telephone access via Audio Response Unit on a 24/7 access as well as Internet access via MIA and Account Access Worldwide via ATMs and Debit cards. Competitive Rates on Deposit Accounts for 2022 resulted in 1,971 accounts and totaling $20,617,012 in outstanding balances as of 12/31/2022.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt034848
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt059766
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0150215
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0283863
IRS990/PYOtherRevenueAmt0251299
IRS990/PYProgramServiceRevenueAmt0249397
IRS990/PYRevenuesLessExpensesAmt0-30115
IRS990/PYSalariesCompEmpBnftPaidAmt0337397
IRS990/PYTotalExpensesAmt0681026
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0650911
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-284383
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt082712
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05107681
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04823298
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0146085
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0219691
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt085
IRS990ScheduleD/EquipmentGrp/DepreciationAmt049638
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt049723
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt01000000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1293217
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2156592
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt318327
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt47776
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt55226
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt6-22037
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0COLI Insurance
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1American Share Insurance
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2COLI - Cash Surrender Value
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3Accrued Interest on Investments
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4Accrued Interest on Loans
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5Accrued Interest on Real Estate Loans
IRS990ScheduleD/OtherAssetsOrgGrp/Desc6Allowance for Loan Losses
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt020617102
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Members Shares and Deposits
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt015748000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11252207
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21498000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Deposits in Commercial Banks
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Deposits in Corporate Federal Credit Unions
IRS990ScheduleD/OtherSecuritiesGrp/Desc2Deposits in other Credit Unions
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt085
IRS990ScheduleD/TotalBookValueOtherAssetsAmt01459101
IRS990ScheduleD/TotalBookValueSecuritiesAmt018498207
IRS990ScheduleD/TotalLiabilityAmt020617102
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01

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