Civic Intelligence

Coastal Community and Teachers Credit Union

990 • Fiscal year 2018 • EIN 74-1505143

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 08, 2019

Organization Profilewww.myccatcu.com

View Organization Page

6810 Saratoga BoulevardCorpus Christi, TX 78414

(361) 992-5456

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.90x

Higher debt load relative to assets than 62% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

33rd percentile

15.54x

Higher debt load relative to revenue than 33% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

76th percentile

19%

Higher net margin than 76% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

16th percentile

$270,681

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

56th percentile

4.7%

Faster asset growth than 56% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

20th percentile

5.6%

Faster revenue growth than 20% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$312,201,740

Up $14,116,522 (+4.7%) from 2017

Net Assets

Up

$31,334,665

Up $3,340,231 (+12%) from 2017

Liabilities

Up

$280,867,075

Up $10,776,291 (+4.0%) from 2017

Revenue And Expenses
Liabilities / Revenue33rd percentileNet Margin76th percentile

Revenue

Up

$18,074,315

Up $959,251 (+5.6%) from 2017

Expenses

Down

$14,588,745

Down $902,921 (-5.8%) from 2017

Net Income

Up

$3,485,570

Up $1,862,172 (+115%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

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

$600M$400M$200M$0Assets 2010: $186,840,879Liabilities 2010: $165,344,702Net Assets 2010: $21,496,1772010Assets 2011: $212,670,905Liabilities 2011: $190,406,448Net Assets 2011: $22,264,4572011Assets 2012: $244,927,641Liabilities 2012: $219,553,199Net Assets 2012: $25,374,4422012Assets 2013: $271,876,216Liabilities 2013: $244,459,153Net Assets 2013: $27,417,0632013Assets 2014: $280,793,435Liabilities 2014: $254,360,334Net Assets 2014: $26,433,1012014Assets 2015: $282,998,801Liabilities 2015: $257,981,459Net Assets 2015: $25,017,3422015Assets 2016: $283,564,163Liabilities 2016: $257,437,808Net Assets 2016: $26,126,3552016Assets 2017: $298,085,218Liabilities 2017: $270,090,784Net Assets 2017: $27,994,4342017Assets 2018: $312,201,740Liabilities 2018: $280,867,075Net Assets 2018: $31,334,6652018Assets 2019: $354,360,950Liabilities 2019: $316,417,577Net Assets 2019: $37,943,3732019Assets 2020: $408,757,871Liabilities 2020: $364,889,442Net Assets 2020: $43,868,4292020Assets 2021: $459,349,679Liabilities 2021: $406,910,045Net Assets 2021: $52,439,6342021Assets 2022: $490,166,619Liabilities 2022: $443,366,274Net Assets 2022: $46,800,3452022Assets 2023: $479,449,439Liabilities 2023: $431,148,924Net Assets 2023: $48,300,5152023Assets 2024: $495,568,233Liabilities 2024: $445,667,841Net Assets 2024: $49,900,3922024

Highlighted filing

2018

Assets$312,201,740
Liabilities$280,867,075
Net Assets$31,334,665
Open 2018 Filing

Operations Trend

Revenue Growth20th percentile

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

$30M$20M$10M$0-$10MExpenses 2010: $10,494,5862010Revenue 2011: $12,930,756Expenses 2011: $10,796,808Net Income 2011: $2,133,9482011Expenses 2012: $11,757,7792012Revenue 2013: $15,182,986Expenses 2013: $14,351,056Net Income 2013: $831,9302013Revenue 2014: $14,161,335Expenses 2014: $13,966,739Net Income 2014: $194,5962014Revenue 2015: $14,995,191Expenses 2015: $15,683,907Net Income 2015: -$688,7162015Revenue 2016: $17,051,041Expenses 2016: $15,573,532Net Income 2016: $1,477,5092016Revenue 2017: $17,115,064Expenses 2017: $15,491,666Net Income 2017: $1,623,3982017Revenue 2018: $18,074,315Expenses 2018: $14,588,745Net Income 2018: $3,485,5702018Revenue 2019: $21,774,371Expenses 2019: $16,792,774Net Income 2019: $4,981,5972019Revenue 2020: $21,894,502Expenses 2020: $16,853,777Net Income 2020: $5,040,7252020Revenue 2021: $21,652,843Expenses 2021: $15,930,953Net Income 2021: $5,721,8902021Revenue 2022: $23,047,485Expenses 2022: $17,882,088Net Income 2022: $5,165,3972022Revenue 2023: $26,050,682Expenses 2023: $23,380,884Net Income 2023: $2,669,7982023Revenue 2024: $29,335,164Expenses 2024: $29,531,872Net Income 2024: -$196,7082024

Highlighted filing

2018

Revenue$18,074,315
Expenses$14,588,745
Net Income$3,485,570
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 8, 2019
Return Version
2018v3.1
Gross Receipts
$18,074,315
Mission and Program Overview

Mission

Change lives by helping each person navigate their financial journey.

Your Community Partner dedicated to forming a positive change in peoples lives

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$203,393,232$231,006,537▲ $27,613,305
Investments Program Related$42,068,778$41,068,272▼ $1,000,506
Cash and Non-Interest-Bearing Accounts$29,984,406$19,693,111▼ $10,291,295
Land, Buildings, and Equipment, Net$5,050,498$5,249,253▲ $198,755
Total Assets$298,085,218$312,201,740▲ $14,116,522
Other Assets Total$17,588,304$15,184,567▼ $2,403,737
Liabilities
Other Liabilities$267,095,412$276,084,341▲ $8,988,929
Accounts Payable and Accrued Expenses$2,995,372$4,782,734▲ $1,787,362
Total Liabilities$270,090,784$280,867,075▲ $10,776,291
Net Assets / Fund Balance
Unrestricted Net Assets$27,994,434$31,334,665▲ $3,340,231
Total Net Assets Fund Balance$27,994,434$31,334,665▲ $3,340,231
Total Liabilities and Net Assets / Fund Balance$298,085,218$312,201,740▲ $14,116,522

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$41,068,272--
Buildings$3,424,936$2,536,752-
Land$1,129,485--
Equipment$689,465$4,246,108-
Leasehold Improvements$5,367$11,667-
Other Assets Org$15,184,567--
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleBaseOtherTotal
Ken CombsChairperson$265,681$5,000$270,681

Board Members and Trustees

NameTitle
Lynda DeleonBoard ViceChairperson
Tony DiazBoard ViceChairperson
Angie RamirezBoard Secretary
Michael SandroussiBoard Treasurer
Henry SantanaDirector
Javier LealDirector
Jesse GatewoodDirector
Jose Cavazos JrDirector
Gina K BryantCEO

Highest Paid Contractors

ContractorServicesLocationCompensation
Think StackIT Consulting1300 Thames St 20, Baltimore, MD 21231$743,190
NcrHome BankingPO Box 740641, Los Angeles, CA 90074-0641$454,672
FiservCore DP SystemPO Box 99924, Grapevine, TX 76099$441,873
Lockton DallasCredit InsuranceDept 3036, Dallas, TX 75312$341,357
HealthCare Serv CorpEmp Health CarePO Box 731428, Dallas, TX 75373$312,066
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$16,951,217
Investment Income
$988,158
Other Revenue
$134,940
Change in Net Assets
$3,485,570
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,452,412
Salaries, Compensation, and Employee Benefits$4,565,365
Grants and Similar Amounts Paid$10,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,100,959
Benefits to Members---$1,560,968
Office Expenses---$1,135,730
Information Technology---$1,033,936
Other Expenses---$830,623
Occupancy---$519,330
Other Employee Benefits---$452,039
Depreciation Depletion---$415,697
Payroll Taxes---$350,759
Current Officers, Directors, Trustees, and Key Employees---$270,681
Advertising---$176,188
Conferences and Meetings---$101,596
All Other Expenses---$98,642
Insurance---$77,739
Fees for Services Accounting---$43,385
Fees for Service Investment Mgmnt Fees---$16,531
Grants to Domestic Individuals---$10,000
Fees for Services Legal---$7,508
Interest---$5,565
Pension Plan Contributions---$-609,073
Total Functional Expenses$0$0$0$14,588,745
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liabilities$276,084,341
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 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
No
Management duties delegated
No

Governance Explanations

Part VI Line 1A

“There are no differences in voting rights.”

Part VI Line 1A

“There has not been any voting delegated to any committee.”

Part VI Line 6

“Members are considered each account holder of record as of 12/31/18.”

Part VI Line 7A

“Each member (account holder) has one vote as long as they are in good”

Part VI Line 7A

“standing (no delinquent or charged-off loans or accounts).”

Part VI Line 11B

“The Form 990 is posted in the board portal for review by all directors. A”

Part VI Line 11B

“special called meeting to review data is called and a vote is taken.”

Part VI Line 12C

“Each year the conflict of interest policy is discussed and each director”

Part VI Line 12C

“signs this policy.”

Part VI Line 15A or B

“The compensation process was implemented by a third-party familiar with the”

Part VI Line 15A or B

“credit union industry. The executive bd committee reviews annually.”

Part VI Line 19

“It is available upon request.”

Filing and Contact Details

Filer

Filer Name
Coastal Community And Teachers Credit Union
EIN
74-1505143
In Care Of
% Gina Bryant
Phone
3619925456
Address
6810 Saratoga Boulevard, Corpus Christi, TX 78414

Signing Officer

Name
Gina Bryant
Title
CEO
Phone
3619925456
Signed
2019-11-08

Organization Details

Formed
1935
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
159
Volunteers
9
Supplemental Narrative

Additional Explanations

Part XI Line 9

“Comprehensive Income and Equity Acquired in Merger”

Raw XML AppendixShowing 400 of 488 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/LandBldgEquipBasisNetGrp/BOYAmt05050498
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05249253
IRS990/LandBldgEquipCostOrOtherBssAmt012043780
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Community Partner dedicated to forming a positive change in people's lives.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt027994434
IRS990/NetAssetsOrFundBalancesEOYAmt031334665
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-70585
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt029400
IRS990/NetUnrlzdGainsLossesInvstAmt0-415805
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0519330
IRS990/OfficeExpensesGrp/TotalAmt01135730
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt017588304
IRS990/OtherAssetsTotalGrp/EOYAmt015184567
IRS990/OtherChangesInNetAssetsAmt0270466
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0452039
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1Special Programs
IRS990/OtherExpensesGrp/Desc2Loan Servicing
IRS990/OtherExpensesGrp/TotalAmt02043341
IRS990/OtherExpensesGrp/TotalAmt11946601
IRS990/OtherExpensesGrp/TotalAmt2830623
IRS990/OtherLiabilitiesGrp/BOYAmt0267095412
IRS990/OtherLiabilitiesGrp/EOYAmt0276084341
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1900099
IRS990/OtherRevenueMiscGrp/BusinessCd2900099
IRS990/OtherRevenueMiscGrp/Desc0Warranties
IRS990/OtherRevenueMiscGrp/Desc1AD&D
IRS990/OtherRevenueMiscGrp/Desc2ATM Surcharges
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt044536
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt131793
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt229211
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt044536
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt131793
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt229211
IRS990/OtherRevenueTotalAmt0105540
IRS990/OtherSalariesAndWagesGrp/TotalAmt04100959
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0203393232
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0231006537
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0350759
IRS990/PensionPlanContributionsGrp/TotalAmt0-609073
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Gina Bryant
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fees and Program
IRS990/ProgramServiceRevenueGrp/Desc2Misc Operating
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt011295882
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14632165
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21023170
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011295882
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14632165
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21023170
IRS990/ProgSrvcAccomActy2Grp/Desc0This is revenue from checking, savings and financial institution transactions.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt01946601
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt04661376
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt01462859
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt08000
IRS990/PYInvestmentIncomeAmt0682691
IRS990/PYOtherExpensesAmt09521565
IRS990/PYOtherRevenueAmt0136861
IRS990/PYProgramServiceRevenueAmt016295512
IRS990/PYRevenuesLessExpensesAmt01623398
IRS990/PYSalariesCompEmpBnftPaidAmt04499242
IRS990/PYTotalExpensesAmt015491666
IRS990/PYTotalRevenueAmt017115064
IRS990/ReconcilationRevenueExpnssAmt03485570
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt029400
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RevenueAmt011295882
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt03424936
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02536752
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt05961688
IRS990ScheduleD/DisclosedForCharitablePrpsInd0false
IRS990ScheduleD/DisclosedOrgLegCtrlInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0689465
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04246108
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt04935573
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt041068272
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Securities
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt01129485
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt01129485
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt05367
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt011667
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt017034
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt015184567
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Other
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0276084341
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Other Liabilities
IRS990ScheduleD/Section170hRqrStsfdInd0false
IRS990ScheduleD/SolicitedAssetsSaleInd0false
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05249253
IRS990ScheduleD/TotalBookValueOtherAssetsAmt015184567
IRS990ScheduleD/TotalBookValueProgramRltdAmt041068272
IRS990ScheduleD/TotalLiabilityAmt0276084341
IRS990ScheduleD/WrittenPolicyMonitoringInd0false
IRS990ScheduleI/GrantRecordsMaintainedInd0false
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt010000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0Scholarships
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt010
IRS990ScheduleI/Total501c3OrgCnt00
IRS990ScheduleI/TotalOtherOrgCnt00
IRS990ScheduleJ/AnyNonFixedPaymentsInd0false
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0265681
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt05000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KEN COMBS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1TONY DIAZ
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2JOSE CAVAZOS JR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3JAVIER LEAL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4HENRY SANTANA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm5LYNDA DELEON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm6ANGIE RAMIREZ
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm7MICHAEL SANDROUSSI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm8GINA K BRYANT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm9JESSE GATEWOOD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Chairperson
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1Board ViceChairperson
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2Director
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3Director
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4Director
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt5Board ViceChairperson
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt6Board Secretary
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt7Board Treasurer
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt8CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt9Director
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0270681
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0There are no differences in voting rights.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1There has not been any voting delegated to any committee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members are considered each account holder of record as of 12/31/18.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Each member (account holder) has one vote as long as they are in good
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4standing (no delinquent or charged-off loans or accounts).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Form 990 is posted in the board portal for review by all directors. A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6special called meeting to review data is called and a vote is taken.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Each year the conflict of interest policy is discussed and each director
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8signs this policy.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9The compensation process was implemented by a third-party familiar with the
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10credit union industry. The executive bd committee reviews annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11It is available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Comprehensive Income and Equity Acquired in Merger

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$312,201,740
Liabilities
$280,867,075
Net assets
$31,334,665
Revenue
$18,074,315
Expenses
$14,588,745
Net income
$3,485,570
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$496$446$49.9$29.3$29.5$0.20
2023Summary only. Only limited summary data is available for this year.$479$431$48.3$26.1$23.4$2.67
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$490$443$46.8$23.0$17.9$5.17
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$459$407$52.4$21.7$15.9$5.72
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$409$365$43.9$21.9$16.9$5.04
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$354$316$37.9$21.8$16.8$4.98
2018Detailed filing. Detailed filing data is available for this year.$312$281$31.3$18.1$14.6$3.49
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$298$270$28.0$17.1$15.5$1.62
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$284$257$26.1$17.1$15.6$1.48
2015Detailed filing. Detailed filing data is available for this year.$283$258$25.0$15.0$15.7$0.69
2014Detailed filing. Detailed filing data is available for this year.$281$254$26.4$14.2$14.0$0.19
2013Detailed filing. Detailed filing data is available for this year.$272$244$27.4$15.2$14.4$0.83
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$245$220$25.4$11.8
2011Summary only. Only limited summary data is available for this year.$213$190$22.3$12.9$10.8$2.13
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$187$165$21.5$10.5