Civic Intelligence

Ward County Credit Union

EIN 75-1085796 • 501(c)14 • Monahans, TX

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Profile

WCCU was chartered for the purpose of encouraging thrift among its members, creating a source of credit at fair and reasonable rates of interest.

301 South MainMonahans, TX 79756

n/A

Siviq Scores

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

Liabilities / Assets

88th percentile

0.91x

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

501(c)14 • $10M-$25M nonprofits • Source year 2021

Liabilities / Revenue

87th percentile

26.21x

Higher debt load relative to revenue than 87% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2021

Net Margin

47th percentile

6.6%

Higher net margin than 47% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2021

Top Officer Pay

26th percentile

$56,802

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 8.9% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2021

Asset Growth

17th percentile

-5.3%

Faster asset growth than 17% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2020 to 2021

Revenue Growth

12th percentile

-7.1%

Faster revenue growth than 12% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets88th percentile

Assets

Down

$18,363,115

Down $1,032,163 (-5.3%) from 2020

Liabilities

Down

$16,797,012

Down $1,074,747 (-6.0%) from 2020

Net Assets

Up

$1,566,103

Up $42,584 (+2.8%) from 2020

Operations
Liabilities / Revenue87th percentileNet Margin47th percentile

Revenue

Down

$640,973

Down $49,283 (-7.1%) from 2020

Expenses

Down

$598,389

Down $35,393 (-5.6%) from 2020

Net Income

Down

$42,584

Down $13,890 (-25%) from 2020

Trend Graphs

Balance Sheet Trend

Asset Growth17th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $11,123,916Liabilities 2010: $9,988,766Net Assets 2010: $1,135,1502010Assets 2011: $14,034,007Liabilities 2011: $12,819,884Net Assets 2011: $1,214,1232011Assets 2012: $15,244,197Liabilities 2012: $13,920,925Net Assets 2012: $1,323,2722012Assets 2013: $15,769,087Liabilities 2013: $14,403,415Net Assets 2013: $1,365,6722013Assets 2014: $16,165,938Liabilities 2014: $14,787,864Net Assets 2014: $1,378,0742014Assets 2015: $15,898,248Liabilities 2015: $14,470,622Net Assets 2015: $1,427,6262015Assets 2016: $15,527,087Liabilities 2016: $14,109,269Net Assets 2016: $1,417,8182016Assets 2017: $15,687,707Liabilities 2017: $14,250,466Net Assets 2017: $1,437,2412017Assets 2018: $16,349,499Liabilities 2018: $14,900,024Net Assets 2018: $1,449,4752018Assets 2019: $17,490,726Liabilities 2019: $16,023,681Net Assets 2019: $1,467,0452019Assets 2020: $19,395,278Liabilities 2020: $17,871,759Net Assets 2020: $1,523,5192020Assets 2021: $18,363,115Liabilities 2021: $16,797,012Net Assets 2021: $1,566,1032021

Highlighted filing

2021

Assets$18,363,115
Liabilities$16,797,012
Net Assets$1,566,103
Open 2021 Filing

Operations Trend

Revenue Growth12th percentile

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $715,8092010Expenses 2011: $625,4142011Expenses 2012: $646,1732012Revenue 2013: $748,129Expenses 2013: $705,729Net Income 2013: $42,4002013Revenue 2014: $735,740Expenses 2014: $723,338Net Income 2014: $12,4022014Revenue 2015: $701,470Expenses 2015: $675,861Net Income 2015: $25,6092015Revenue 2016: $622,230Expenses 2016: $632,038Net Income 2016: -$9,8082016Revenue 2017: $603,813Expenses 2017: $584,390Net Income 2017: $19,4232017Revenue 2018: $648,268Expenses 2018: $636,034Net Income 2018: $12,2342018Revenue 2019: $697,431Expenses 2019: $679,861Net Income 2019: $17,5702019Revenue 2020: $690,256Expenses 2020: $633,782Net Income 2020: $56,4742020Revenue 2021: $640,973Expenses 2021: $598,389Net Income 2021: $42,5842021

Highlighted filing

2021

Revenue$640,973
Expenses$598,389
Net Income$42,584
Open 2021 Filing

Filings

Most recent year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$18,363,115
Liabilities
$16,797,012
Net assets
$1,566,103
Revenue
$640,973
Expenses
$598,389
Net income
$42,584
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$18.4$16.8$1.57$0.64$0.60$0.04
2020Detailed filing. Detailed filing data is available for this year.$19.4$17.9$1.52$0.69$0.63$0.06
2019Detailed filing. Detailed filing data is available for this year.$17.5$16.0$1.47$0.70$0.68$0.02
2018Detailed filing. Detailed filing data is available for this year.$16.3$14.9$1.45$0.65$0.64$0.01
2017Detailed filing. Detailed filing data is available for this year.$15.7$14.3$1.44$0.60$0.58$0.02
2016Detailed filing. Detailed filing data is available for this year.$15.5$14.1$1.42$0.62$0.63$0.01
2015Detailed filing. Detailed filing data is available for this year.$15.9$14.5$1.43$0.70$0.68$0.03
2014Detailed filing. Detailed filing data is available for this year.$16.2$14.8$1.38$0.74$0.72$0.01
2013Detailed filing. Detailed filing data is available for this year.$15.8$14.4$1.37$0.75$0.71$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.2$13.9$1.32$0.65
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.0$12.8$1.21$0.63
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.1$9.99$1.14$0.72
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Apr 18, 2022
Return Version
2021v4.1
Gross Receipts
$640,973
Mission and Program Overview

Mission

WCCU was chartered for the purpose of encouraging thrift among its members, creating a source of credit at fair and reasonable rates of interest.

WCCU was chartered for the purpose of encouraging thrift among its members, creating a source of credit at fair and reasonable rates of interest,

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$11,007,012$10,986,000▼ $21,012
Other Notes and Loans Receivable, Net$4,354,944$4,271,950▼ $82,994
Cash and Non-Interest-Bearing Accounts$3,400,453$2,511,921▼ $888,532
Rtn Earn Endowment Incm Other Fnds$1,523,519$1,566,103▲ $42,584
Land, Buildings, and Equipment, Net$310,950$286,455▼ $24,495
Receivables From Officers Etc$94,190$56,741▼ $37,449
Accounts Receivable$49,683$40,623▼ $9,060
Prepaid Expenses and Deferred Charges$17,404$30,961▲ $13,557
Inventories for Sale or Use$1,102$1,102→ $0
Total Assets$19,395,278$18,363,115▼ $1,032,163
Other Assets Total$159,540$177,362▲ $17,822
Liabilities
Other Liabilities$17,736,243$16,699,817▼ $1,036,426
Accounts Payable and Accrued Expenses$135,516$97,195▼ $38,321
Total Liabilities$17,871,759$16,797,012▼ $1,074,747
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,523,519$1,566,103▲ $42,584
Total Liabilities and Net Assets / Fund Balance$19,395,278$18,363,115▼ $1,032,163

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$276,658$69,482$346,140
Equipment$9,797$0$9,797
Land$0--
Other Securities$10,986,000--
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Kay Rankin-SwanManager/CEO/TreasurerFT$56,802$56,802

Board Members and Trustees

NameTitle
Steve TuxhornChairman
Doug RoeberVice Chair
Amy BoysawBoard Member
Beau HarrisBoard Member
Nancy UpchurchBoard Member
Vicki LeyvaBoard Member
Arcadio RiveraBoard Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$458,695
Investment Income
$118,831
Other Revenue
$63,447
Change in Net Assets
$42,584
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$314,452
Salaries, Compensation, and Employee Benefits$283,937
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons$155,000$0$0$155,000
All Other Expenses$134,697$0$0$134,697
Current Officers, Directors, Trustees, and Key Employees$56,802$0$0$56,802
Other Employee Benefits$41,750$0$0$41,750
Information Technology$39,130$0$0$39,130
Occupancy$31,514$0$0$31,514
Depreciation Depletion$18,119$0$0$18,119
Payroll Taxes$15,212$0$0$15,212
Pension Plan Contributions$15,173$0$0$15,173
Office Expenses$14,538$0$0$14,538
Insurance$13,525$0$0$13,525
Advertising$13,197$0$0$13,197
Conferences and Meetings$8,485$0$0$8,485
Fees for Services Accounting$7,000$0$0$7,000
Other Expenses$2,585$0$0$2,585
Fees for Services Other$1,506$0$0$1,506
Fees for Service Investment Mgmnt Fees$165$0$0$165
Total Functional Expenses$598,389$0$0$598,389
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

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

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$94,190$56,741▼ $37,449
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Share And Savings$12,686,294
Member Share Drafts$4,013,523
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Ward County Credit Union
EIN
75-1085796
Phone
4329433445
Address
301 South Main, Monahans, TX 79756

Signing Officer

Name
Kay Rankin-Swan Manager
Title
Manager
Phone
4329433445
Signed
2022-04-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kay Rankin-Swan
Formed
1953
Legal Domicile
TX
Voting Board Members
8
Independent Board Members
8
Employees
8
Volunteers
0

Preparer

Firm
Greg R Schmidtcpa
Address
2 Baltusrol, AMARILLO, TX 79124
Preparer
Greg R Schmidt CPA
Phone
8552759297
Supplemental Narrative

Additional Explanations

Pt VI, Line 12C

“All officials, directors and key employees are required to file and annual conflict of interest disclosure statements”

Pt VI, Line 19

“WCCU makes its governing documents, conflict of interest policy and its financial statemetns available to the public upon request.”

Pt VI, Line 11B

“A copy of the 990 form was provided to the credit union for review.”

Form 990, Part IX, Line 24E

“Bank Charges 1548. 1548.”

Form 990, Part IX, Line 24E

“League Dues 9210. 9210.”

Form 990, Part IX, Line 24E

“State Operating Fee 4452. 4452.”

Form 990, Part IX, Line 24E

“Internet Banking 108807. 108807.”

Form 990, Part IX, Line 24E

“Share Draft Expenses 10680. 10680.”

Raw XML AppendixShowing 400 of 447 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/OccupancyGrp/ProgramServicesAmt031514
IRS990/OccupancyGrp/TotalAmt031514
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt014538
IRS990/OfficeExpensesGrp/TotalAmt014538
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0159540
IRS990/OtherAssetsTotalGrp/EOYAmt0177362
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt041750
IRS990/OtherEmployeeBenefitsGrp/TotalAmt041750
IRS990/OtherExpensesGrp/Desc0Dividends
IRS990/OtherExpensesGrp/Desc1Loan Servicing
IRS990/OtherExpensesGrp/Desc2Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc3Miscellaneous
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt04927
IRS990/OtherExpensesGrp/ProgramServicesAmt125344
IRS990/OtherExpensesGrp/ProgramServicesAmt2-280
IRS990/OtherExpensesGrp/ProgramServicesAmt32585
IRS990/OtherExpensesGrp/TotalAmt04927
IRS990/OtherExpensesGrp/TotalAmt125344
IRS990/OtherExpensesGrp/TotalAmt2-280
IRS990/OtherExpensesGrp/TotalAmt32585
IRS990/OtherLiabilitiesGrp/BOYAmt017736243
IRS990/OtherLiabilitiesGrp/EOYAmt016699817
IRS990/OtherRevenueMiscGrp/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/Desc0Misc. Income
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt059675
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt063447
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt03772
IRS990/OtherRevenueTotalAmt063447
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt04354944
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt04271950
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt015212
IRS990/PayrollTaxesGrp/TotalAmt015212
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt015173
IRS990/PensionPlanContributionsGrp/TotalAmt015173
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt017404
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt030961
IRS990/PrincipalOfficerNm0Kay Rankin-Swan
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Loan Fee Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0268235
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1185439
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt25021
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0Checking Accounts - WCCU provides checking accounts for consumers with various features, from free accounts to those with enhanced benefits. Most offer dividends that are paid monthly. Additionally, WCTCU extends the reach of these accounts to all members with free debit cards, internet account access and free use of the internet bill payer platform.
IRS990/ProgSrvcAccomActy3Grp/Desc0Consumer Loans - WCCU has provided vehicle loans since its early years. The consumer loan product now includes efficient underwriting and flexible offerings for recreational vehicles, boats and motorcylces. Consumer life and disability insurance is available on any of these loan types.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0195266
IRS990/PYOtherExpensesAmt0356215
IRS990/PYOtherRevenueAmt046001
IRS990/PYProgramServiceRevenueAmt0448989
IRS990/PYRevenuesLessExpensesAmt056474
IRS990/PYSalariesCompEmpBnftPaidAmt0277567
IRS990/PYTotalExpensesAmt0633782
IRS990/PYTotalRevenueAmt0690256
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt094190
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt056741
IRS990/ReconcilationRevenueExpnssAmt042584
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01523519
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01566103
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0276658
IRS990ScheduleD/BuildingsGrp/DepreciationAmt069482
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0346140
IRS990ScheduleD/EquipmentGrp/BookValueAmt09797
IRS990ScheduleD/EquipmentGrp/DepreciationAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt09797
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt012686294
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt14013523
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Total Share And Savings
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Member Share Drafts
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt010986000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Certificates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0286455
IRS990ScheduleD/TotalBookValueSecuritiesAmt010986000
IRS990ScheduleD/TotalLiabilityAmt016699817
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0748
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt155993
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Unsecures
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt017123
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt193078
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Beau Harris
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1SteveKay Rankin-Swan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Board
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/TotalBalanceDueAmt056741
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0All officials, directors and key employees are required to file and annual conflict of interest disclosure statements
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1WCCU makes its governing documents, conflict of interest policy and its financial statemetns available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A copy of the 990 form was provided to the credit union for review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Bank Charges 1548. 1548.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4League Dues 9210. 9210.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5State Operating Fee 4452. 4452.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Internet Banking 108807. 108807.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Share Draft Expenses 10680. 10680.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt019395278
IRS990/TotalAssetsEOYAmt018363115
IRS990/TotalAssetsGrp/BOYAmt019395278
IRS990/TotalAssetsGrp/EOYAmt018363115
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0598389
IRS990/TotalFunctionalExpensesGrp/TotalAmt0598389
IRS990/TotalGrossUBIAmt03772
IRS990/TotalLiabilitiesBOYAmt017871759
IRS990/TotalLiabilitiesEOYAmt016797012
IRS990/TotalLiabilitiesGrp/BOYAmt017871759
IRS990/TotalLiabilitiesGrp/EOYAmt016797012
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01523519
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01566103
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0458695
IRS990/TotalReportableCompFromOrgAmt056802
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0637201
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0640973
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03772
IRS990/TotalVolunteersCnt00

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