Civic Intelligence

Members Credit Union

EIN 75-0899745 • 501(c)14 • Cleburne, TX

View Organization Page

Profile

Our commitment is to exceed your service expectations while caring for your financial needs.

833 N Nolan River RdCleburne, TX 76033

www.memberscreditunion.com

Siviq Scores

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

Liabilities / Assets

45th percentile

0.89x

Higher debt load relative to assets than 45% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

32nd percentile

14.03x

Higher debt load relative to revenue than 32% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

66th percentile

16%

Higher net margin than 66% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

76th percentile

6.1%

Faster asset growth than 76% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

61st percentile

18%

Faster revenue growth than 61% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$103,536,464

Up $5,962,469 (+6.1%) from 2023

Liabilities

Up

$92,027,721

Up $4,894,673 (+5.6%) from 2023

Net Assets

Up

$11,508,743

Up $1,067,796 (+10%) from 2023

Operations
Liabilities / Revenue32nd percentileNet Margin66th percentile

Revenue

Up

$6,561,648

Up $989,583 (+18%) from 2023

Expenses

Up

$5,493,852

Up $888,366 (+19%) from 2023

Net Income

Up

$1,067,796

Up $101,217 (+10%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth76th percentile

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

$150M$100M$50M$0Assets 2010: $51,983,373Liabilities 2010: $48,134,708Net Assets 2010: $3,848,6652010Assets 2011: $58,188,832Liabilities 2011: $53,228,551Net Assets 2011: $4,960,2812011Assets 2012: $61,920,258Liabilities 2012: $56,624,469Net Assets 2012: $5,295,7892012Assets 2013: $64,568,962Liabilities 2013: $58,943,476Net Assets 2013: $5,625,4862013Assets 2014: $67,609,047Liabilities 2014: $61,662,867Net Assets 2014: $5,946,1802014Assets 2015: $75,134,141Liabilities 2015: $68,922,135Net Assets 2015: $6,212,0062015Assets 2016: $75,862,451Liabilities 2016: $69,338,523Net Assets 2016: $6,523,9282016Assets 2017: $80,300,419Liabilities 2017: $73,441,310Net Assets 2017: $6,859,1092017Assets 2018: $78,312,703Liabilities 2018: $70,963,566Net Assets 2018: $7,349,1372018Assets 2019: $80,106,326Liabilities 2019: $72,143,224Net Assets 2019: $7,963,1022019Assets 2020: $93,194,449Liabilities 2020: $84,696,992Net Assets 2020: $8,497,4572020Assets 2021: $105,875,464Liabilities 2021: $97,046,875Net Assets 2021: $8,828,5892021Assets 2022: $108,979,567Liabilities 2022: $99,548,199Net Assets 2022: $9,431,3682022Assets 2023: $97,573,995Liabilities 2023: $87,133,048Net Assets 2023: $10,440,9472023Assets 2024: $103,536,464Liabilities 2024: $92,027,721Net Assets 2024: $11,508,7432024

Highlighted filing

2024

Assets$103,536,464
Liabilities$92,027,721
Net Assets$11,508,743
Open 2024 Filing

Operations Trend

Revenue Growth61st percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $2,983,8762010Expenses 2011: $2,978,5522011Expenses 2012: $3,118,4162012Revenue 2013: $3,571,473Expenses 2013: $3,239,245Net Income 2013: $332,2282013Revenue 2014: $3,516,278Expenses 2014: $3,195,584Net Income 2014: $320,6942014Revenue 2015: $3,458,072Expenses 2015: $3,224,112Net Income 2015: $233,9602015Revenue 2016: $3,625,850Expenses 2016: $3,313,928Net Income 2016: $311,9222016Revenue 2017: $3,723,205Expenses 2017: $3,388,024Net Income 2017: $335,1812017Revenue 2018: $4,124,403Expenses 2018: $3,634,375Net Income 2018: $490,0282018Revenue 2019: $4,450,572Expenses 2019: $3,836,607Net Income 2019: $613,9652019Revenue 2020: $4,283,167Expenses 2020: $3,748,812Net Income 2020: $534,3552020Revenue 2021: $4,224,939Expenses 2021: $3,893,807Net Income 2021: $331,1322021Revenue 2022: $4,778,213Expenses 2022: $4,175,434Net Income 2022: $602,7792022Revenue 2023: $5,572,065Expenses 2023: $4,605,486Net Income 2023: $966,5792023Revenue 2024: $6,561,648Expenses 2024: $5,493,852Net Income 2024: $1,067,7962024

Highlighted filing

2024

Revenue$6,561,648
Expenses$5,493,852
Net Income$1,067,796
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$103,536,464
Liabilities
$92,027,721
Net assets
$11,508,743
Revenue
$6,561,648
Expenses
$5,493,852
Net income
$1,067,796
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$104$92.0$11.5$6.56$5.49$1.07
2023Detailed filing. Detailed filing data is available for this year.$97.6$87.1$10.4$5.57$4.61$0.97
2022Detailed filing. Detailed filing data is available for this year.$109$99.5$9.43$4.78$4.18$0.60
2021Detailed filing. Detailed filing data is available for this year.$106$97.0$8.83$4.22$3.89$0.33
2020Detailed filing. Detailed filing data is available for this year.$93.2$84.7$8.50$4.28$3.75$0.53
2019Detailed filing. Detailed filing data is available for this year.$80.1$72.1$7.96$4.45$3.84$0.61
2018Detailed filing. Detailed filing data is available for this year.$78.3$71.0$7.35$4.12$3.63$0.49
2017Detailed filing. Detailed filing data is available for this year.$80.3$73.4$6.86$3.72$3.39$0.34
2016Detailed filing. Detailed filing data is available for this year.$75.9$69.3$6.52$3.63$3.31$0.31
2015Detailed filing. Detailed filing data is available for this year.$75.1$68.9$6.21$3.46$3.22$0.23
2014Detailed filing. Detailed filing data is available for this year.$67.6$61.7$5.95$3.52$3.20$0.32
2013Detailed filing. Detailed filing data is available for this year.$64.6$58.9$5.63$3.57$3.24$0.33
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.9$56.6$5.30$3.12
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.2$53.2$4.96$2.98
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.0$48.1$3.85$2.98
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 29, 2025
Return Version
2024v5.2
Gross Receipts
$6,579,556
Mission and Program Overview

Mission

Our commitment is to exceed your service expectations while caring for your financial needs.

Cooperative provider of credit union financial services (i.e. Savings, checking, and lending).

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$56,612,665$59,624,850▲ $3,012,185
Investments Other Securities$30,852,876$27,371,241▼ $3,481,635
Rtn Earn Endowment Incm Other Fnds$10,440,947$11,508,743▲ $1,067,796
Savings and Temporary Cash Investments$3,487,702$9,843,731▲ $6,356,029
Land, Buildings, and Equipment, Net$3,097,668$3,006,066▼ $91,602
Cash and Non-Interest-Bearing Accounts$1,536,158$1,697,606▲ $161,448
Prepaid Expenses and Deferred Charges$777,397$699,450▼ $77,947
Accounts Receivable$22,018$142,894▲ $120,876
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$97,573,995$103,536,464▲ $5,962,469
Other Assets Total$1,187,511$1,150,626▼ $36,885
Liabilities
Other Liabilities$87,133,048$92,027,721▲ $4,894,673
Total Liabilities$87,133,048$92,027,721▲ $4,894,673
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,440,947$11,508,743▲ $1,067,796
Total Liabilities and Net Assets / Fund Balance$97,573,995$103,536,464▲ $5,962,469

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,148,167$1,210,529$3,358,696
Land$845,228-$845,228
Other Land Buildings$12,671$624,480$637,151
Other Securities$4,976,241--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paul T ElkinsCEO/presidentFT$155,777$71,536$227,313
Teresa LeckVP of OperationsFT$132,393$42,980$175,373
Roxanne ThomasVP of AdministrationFT$120,171$13,692$133,863
Gail GuthVP of AccountingFT$106,890$11,874$118,764
Will HeadVP of LendingFT$104,396$10,537$114,933

Board Members and Trustees

NameTitle
Chris CookePresident
Cleve Weyenberg JrVice President
David PriceDirector
Debbie RiceDirector
Gary HeinrichDirector
Greg HarmonDirector
Sabrina WatsonDirector
Cecil MaySecretary
Greg WilmoreTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv PorticoData ProcessingPO BOX 208457, Dallas, TX 75320-8457$402,142
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,005,880
Investment Income
$1,555,768
Other Revenue
$0
Change in Net Assets
$1,067,796
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,644,912
Salaries, Compensation, and Employee Benefits$1,848,940
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,265,108
Office Expenses---$900,391
Interest---$839,490
Fees for Services Other---$548,097
Information Technology---$457,203
Occupancy---$264,839
Current Officers, Directors, Trustees, and Key Employees---$227,313
Other Employee Benefits---$214,359
Payroll Taxes---$140,529
Depreciation Depletion---$91,017
Advertising---$85,653
Fees for Service Investment Mgmnt Fees---$32,500
Other Expenses---$17,910
Conferences and Meetings---$6,436
Fees for Services Legal---$5,336
Pension Plan Contributions---$1,631
Total Functional Expenses$0$0$0$5,493,852
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$92,027,721
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union was formed by the members to provide quality financial services to its members.”

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

“The members of the credit union vote on the board of directors. Elections are done on a one member one vote basis.”

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

“Management presented a copy of the form 990 to the board for discussion, review and approval prior to filing.”

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

“Other policies enforce the conflict of interest policy.”

Form 990, Part VI, Section B, Line 15

“Review of the ceo is conducted by the board of directors on an annual basis.”

Form 990, Part VI, Section C, Line 19

“Governing documents and conflict of interest policy are available upon request. Financial statements are posted in the lobby.”

Filing and Contact Details

Filer

Filer Name
Members Credit Union
EIN
75-0899745
Phone
8176414031
Address
833 N NOLAN RIVER RD, CLEBURNE, TX 76033

Signing Officer

Name
Paul T Elkins
Title
CEO/president
Phone
8176414031
Signed
2025-10-29

Organization Details

Principal Officer
Paul T Elkins
Formed
1954
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
25
Volunteers
0
Raw XML AppendixShowing 400 of 433 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.

Path#Value
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IRS990/AccountsReceivableGrp/EOYAmt0142894
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IRS990/ActivityOrMissionDesc0COOPERATIVE PROVIDER OF CREDIT UNION FINANCIAL SERVICES (I.E. SAVINGS, CHECKING, AND LENDING).
IRS990/AdvertisingGrp/TotalAmt085653
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0GAIL GUTH
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IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt091017
IRS990/Desc0IN 2024, MCU'S ASSETS INCREASED FROM $97.5 MILLION TO $103.2 MILLION, DEPOSITS INCREASED FROM $87.1 MILLION TO $92 MILLION, LOANS INCREASED FROM $57.1 MILLION TO $60.2 MILLION AND THE NUMBER OF MEMBERS SERVED INCREASED FROM 8,403 TO 8,593. MCU'S CAPITAL REMAINS STRONG AT 11.15%.
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO/PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP OF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OF ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF ADMINISTRATION
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01954
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IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt041000
IRS990/GrossReceiptsAmt06579556
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndivRcvdGreaterThan100KCnt05
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0457203
IRS990/InterestGrp/TotalAmt0839490
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt027371241
IRS990/IRPDocumentCnt02717
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IRS990/LandBldgEquipAccumDeprecAmt01835009
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03097668
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IRS990/LandBldgEquipCostOrOtherBssAmt04841075
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IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0OUR COMMITMENT IS TO EXCEED YOUR SERVICE EXPECTATIONS WHILE CARING FOR YOUR FINANCIAL NEEDS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt010440947
IRS990/NetAssetsOrFundBalancesEOYAmt011508743
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt023092
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt023092
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0264839
IRS990/OfficeExpensesGrp/TotalAmt0900391
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01187511
IRS990/OtherAssetsTotalGrp/EOYAmt01150626
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0214359
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc2STATE OPERATING FEE
IRS990/OtherExpensesGrp/TotalAmt0376000
IRS990/OtherExpensesGrp/TotalAmt120040
IRS990/OtherExpensesGrp/TotalAmt217910
IRS990/OtherLiabilitiesGrp/BOYAmt087133048
IRS990/OtherLiabilitiesGrp/EOYAmt092027721
IRS990/OtherSalariesAndWagesGrp/TotalAmt01265108
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt056612665
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt059624850
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0140529
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01631
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0777397
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0699450
IRS990/PrincipalOfficerNm0PAUL T ELKINS
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03754400
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11205642
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03754400
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11227057
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt224423
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt021415
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt124423
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01118672
IRS990/PYOtherExpensesAmt02937001
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt04453393
IRS990/PYRevenuesLessExpensesAmt0966579
IRS990/PYSalariesCompEmpBnftPaidAmt01668485
IRS990/PYTotalExpensesAmt04605486
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05572065
IRS990/ReconcilationRevenueExpnssAmt01067796
IRS990/RegularMonitoringEnfrcInd01
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IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010440947
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt011508743
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03487702
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09843731
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02148167
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01210529
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03358696
IRS990ScheduleD/LandGrp/BookValueAmt0845228
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0845228
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt012671
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0624480
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0637151
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt092027721
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt022395000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt14976241
IRS990ScheduleD/OtherSecuritiesGrp/Desc0DEPOSITS IN COMMERCIAL BANKS, S&L'S, AND SAVINGS BANKS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1TREASURY BONDS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03006066
IRS990ScheduleD/TotalBookValueSecuritiesAmt027371241
IRS990ScheduleD/TotalLiabilityAmt092027721
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0155777
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1132393
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount015326
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount16064
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt05224
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt14154
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt043786
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt132762
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt07200
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0PAUL T ELKINS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1TERESA LECK
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VP OF OPERATIONS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0227313
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1175373
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION WAS FORMED BY THE MEMBERS TO PROVIDE QUALITY FINANCIAL SERVICES TO ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE CREDIT UNION VOTE ON THE BOARD OF DIRECTORS. ELECTIONS ARE DONE ON A ONE MEMBER ONE VOTE BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MANAGEMENT PRESENTED A COPY OF THE FORM 990 TO THE BOARD FOR DISCUSSION, REVIEW AND APPROVAL PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3OTHER POLICIES ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4REVIEW OF THE CEO IS CONDUCTED BY THE BOARD OF DIRECTORS ON AN ANNUAL BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt097573995
IRS990/TotalAssetsEOYAmt0103536464
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IRS990/TotalAssetsGrp/EOYAmt0103536464
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt025
IRS990/TotalFunctionalExpensesGrp/TotalAmt05493852
IRS990/TotalGrossUBIAmt045838
IRS990/TotalLiabilitiesBOYAmt087133048
IRS990/TotalLiabilitiesEOYAmt092027721
IRS990/TotalLiabilitiesGrp/BOYAmt087133048
IRS990/TotalLiabilitiesGrp/EOYAmt092027721
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt010440947
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt011508743
IRS990/TotalOtherCompensationAmt0122029
IRS990/TotalProgramServiceRevenueAmt05005880
IRS990/TotalReportableCompFromOrgAmt0648217
IRS990/TotalRevenueGrp/ExclusionAmt023092
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt06492718
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt06561648
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt045838
IRS990/TotalVolunteersCnt00

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