Civic Intelligence

Northwest Christian Credit Union

EIN 82-0250969 • 501(c)14 • Nampa, ID

View Organization Page

Profile

Building better lives and stronger ministries by uniting the faith and finance of the Christian community

716 E Colorado AveNampa, ID 83686

www.mynccu.org

Siviq Scores

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

Liabilities / Assets

87th percentile

0.92x

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

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

Liabilities / Revenue

94th percentile

21.35x

Higher debt load relative to revenue than 94% of similar nonprofits.

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

Net Margin

3rd percentile

-10%

Higher net margin than 3% of similar nonprofits.

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

Top Officer Pay

37th percentile

$207,802

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 4.7% of source-year revenue.

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

Asset Growth

64th percentile

4.2%

Faster asset growth than 64% of similar nonprofits.

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

Revenue Growth

7th percentile

-2.1%

Faster revenue growth than 7% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets87th percentile

Assets

Up

$103,377,550

Up $4,137,560 (+4.2%) from 2023

Liabilities

Up

$95,209,727

Up $4,583,884 (+5.1%) from 2023

Net Assets

Down

$8,167,823

Down $446,324 (-5.2%) from 2023

Operations
Liabilities / Revenue94th percentileNet Margin3rd percentile

Revenue

Down

$4,459,289

Down $97,271 (-2.1%) from 2023

Expenses

Up

$4,905,610

Up $1,821,704 (+59%) from 2023

Net Income

Down

-$446,321

Down $1,918,975 (-130%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth64th percentile

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

$150M$100M$50M$0Assets 2010: $33,367,246Liabilities 2010: $29,333,653Net Assets 2010: $4,033,5932010Assets 2011: $36,236,031Liabilities 2011: $32,030,171Net Assets 2011: $4,205,8602011Assets 2012: $39,052,904Liabilities 2012: $34,595,642Net Assets 2012: $4,457,2622012Assets 2013: $41,397,351Liabilities 2013: $36,724,111Net Assets 2013: $4,673,2402013Assets 2014: $45,145,790Liabilities 2014: $40,217,986Net Assets 2014: $4,927,8042014Assets 2015: $50,711,394Liabilities 2015: $45,525,155Net Assets 2015: $5,186,2392015Assets 2016: $55,797,928Liabilities 2016: $50,381,677Net Assets 2016: $5,416,2512016Assets 2017: $57,789,343Liabilities 2017: $52,063,003Net Assets 2017: $5,726,3402017Assets 2018: $61,847,997Liabilities 2018: $55,805,998Net Assets 2018: $6,041,9992018Assets 2019: $68,454,839Liabilities 2019: $62,069,087Net Assets 2019: $6,385,7522019Assets 2020: $81,331,166Liabilities 2020: $74,632,382Net Assets 2020: $6,698,7842020Assets 2021: $106,342,699Liabilities 2021: $99,518,081Net Assets 2021: $6,824,6182021Assets 2022: $106,062,876Liabilities 2022: $98,921,384Net Assets 2022: $7,141,4922022Assets 2023: $99,239,990Liabilities 2023: $90,625,843Net Assets 2023: $8,614,1472023Assets 2024: $103,377,550Liabilities 2024: $95,209,727Net Assets 2024: $8,167,8232024

Highlighted filing

2024

Assets$103,377,550
Liabilities$95,209,727
Net Assets$8,167,823
Open 2024 Filing

Operations Trend

Revenue Growth7th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,678,4792010Expenses 2011: $1,654,4852011Expenses 2012: $1,560,7192012Revenue 2013: $1,797,965Expenses 2013: $1,581,987Net Income 2013: $215,9782013Revenue 2014: $1,818,123Expenses 2014: $1,563,559Net Income 2014: $254,5642014Revenue 2015: $1,892,519Expenses 2015: $1,634,084Net Income 2015: $258,4352015Revenue 2016: $1,929,799Expenses 2016: $1,699,787Net Income 2016: $230,0122016Revenue 2017: $2,062,261Expenses 2017: $1,752,172Net Income 2017: $310,0892017Revenue 2018: $2,253,130Expenses 2018: $1,937,471Net Income 2018: $315,6592018Revenue 2019: $2,514,681Expenses 2019: $2,170,928Net Income 2019: $343,7532019Revenue 2020: $2,562,844Expenses 2020: $2,249,812Net Income 2020: $313,0322020Revenue 2021: $2,452,925Expenses 2021: $2,327,090Net Income 2021: $125,8352021Revenue 2022: $2,893,011Expenses 2022: $2,576,137Net Income 2022: $316,8742022Revenue 2023: $4,556,560Expenses 2023: $3,083,906Net Income 2023: $1,472,6542023Revenue 2024: $4,459,289Expenses 2024: $4,905,610Net Income 2024: -$446,3212024

Highlighted filing

2024

Revenue$4,459,289
Expenses$4,905,610
Net Income-$446,321
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
$103,377,550
Liabilities
$95,209,727
Net assets
$8,167,823
Revenue
$4,459,289
Expenses
$4,905,610
Net income
-$446,321
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$103$95.2$8.17$4.46$4.91$0.45
2023Detailed filing. Detailed filing data is available for this year.$99.2$90.6$8.61$4.56$3.08$1.47
2022Detailed filing. Detailed filing data is available for this year.$106$98.9$7.14$2.89$2.58$0.32
2021Detailed filing. Detailed filing data is available for this year.$106$99.5$6.82$2.45$2.33$0.13
2020Detailed filing. Detailed filing data is available for this year.$81.3$74.6$6.70$2.56$2.25$0.31
2019Detailed filing. Detailed filing data is available for this year.$68.5$62.1$6.39$2.51$2.17$0.34
2018Detailed filing. Detailed filing data is available for this year.$61.8$55.8$6.04$2.25$1.94$0.32
2017Detailed filing. Detailed filing data is available for this year.$57.8$52.1$5.73$2.06$1.75$0.31
2016Detailed filing. Detailed filing data is available for this year.$55.8$50.4$5.42$1.93$1.70$0.23
2015Detailed filing. Detailed filing data is available for this year.$50.7$45.5$5.19$1.89$1.63$0.26
2014Detailed filing. Detailed filing data is available for this year.$45.1$40.2$4.93$1.82$1.56$0.25
2013Detailed filing. Detailed filing data is available for this year.$41.4$36.7$4.67$1.80$1.58$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.1$34.6$4.46$1.56
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.2$32.0$4.21$1.65
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.4$29.3$4.03$1.68
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 10, 2025
Return Version
2024v5.2
Gross Receipts
$4,459,289
Mission and Program Overview

Mission

Promoting the financial well being of the Christian Community by providing savings services and loans at competitive prices

Unite the faith and finance of the Christian community

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$61,589,170$55,650,244▼ $5,938,926
Savings and Temporary Cash Investments$31,778,711$38,965,427▲ $7,186,716
Rtn Earn Endowment Incm Other Fnds$8,614,147$8,167,823▼ $446,324
Land, Buildings, and Equipment, Net$1,016,810$3,880,281▲ $2,863,471
Receivables From Officers Etc$435,067$631,650▲ $196,583
Cash and Non-Interest-Bearing Accounts$289,340$324,210▲ $34,870
Prepaid Expenses and Deferred Charges$97,355$86,238▼ $11,117
Total Assets$99,239,990$103,377,550▲ $4,137,560
Other Assets Total$4,033,537$3,839,500▼ $194,037
Liabilities
Other Liabilities$90,326,810$94,410,313▲ $4,083,503
Accounts Payable and Accrued Expenses$187,296$691,674▲ $504,378
Deferred Revenue$111,737$107,740▼ $3,997
Total Liabilities$90,625,843$95,209,727▲ $4,583,884
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,614,147$8,167,823▼ $446,324
Total Liabilities and Net Assets / Fund Balance$99,239,990$103,377,550▲ $4,137,560

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,332,193$576,524$2,908,717
Land$1,275,244-$1,275,244
Equipment$272,844$428,718$701,562
Compensation and Service Providers
Top Officer Pay37th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brad SwartzentruberPresidentCEOFT$156,154$51,648$207,802
Paul BowmanVice Pres FinanceFT$121,500$12,783$134,283
Rikki WatkinsVice Pres OperationsFT$89,650$7,237$96,887
Leonard FringsVice Pres LendingFT$84,532$4,671$89,203

Board Members and Trustees

NameTitle
Nathan RoskamChairperson
Liberty ThompsonVice Chairperson
Brent CarpenterDirector
Mark WheelerDirector
Rachel BorenDirector
Rick YoungbloodDirector
David PetersonTreasurerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,388,511
Investment Income
$1,070,778
Other Revenue
$0
Change in Net Assets
$-446,321
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,041,829
Salaries, Compensation, and Employee Benefits$1,863,781
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,015,014
Current Officers, Directors, Trustees, and Key Employees---$474,836
Other Expenses---$461,428
Office Expenses---$314,009
Other Employee Benefits---$198,272
Information Technology---$197,253
Advertising---$142,712
Depreciation Depletion---$134,853
Payroll Taxes---$117,456
Occupancy---$102,360
Pension Plan Contributions---$58,203
Insurance---$34,493
Fees for Services Accounting---$24,980
Fees for Services Management---$14,832
Conferences and Meetings---$12,245
Travel---$5,069
Fees for Services Legal---$3,883
Total Functional Expenses$0$0$0$4,905,610
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$435,067$631,650▲ $196,583
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member shares & deposits$94,410,313
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

Part VI Line 6

“The credit union is comprised of members whose one vote is not based on the”

Part VI Line 6

“amount of shares or deposits.”

Part VI Line 7A

“The members of the credit union elect the board of directors.”

Part VI Line 7B

“The members of the credit union vote regarding changes to the charter or”

Part VI Line 7B

“deposit insurance and regarding mergers.”

Part VI Line 11B

“The board of directors is provided a copy of this form for review.”

Part VI Line 12C

“Directs complete a Conflict of Interest form annually.”

Part VI Line 15A or B

“All annual salary adjustments are compared to third-party salary surveys.”

Part VI Line 19

“Documents are available upon request to the VP-Finance at the corporate”

Part VI Line 19

“offices. Financial statements are posted in each branch lobby.”

Filing and Contact Details

Filer

Filer Name
Northwest Christian Credit Union
EIN
82-0250969
In Care Of
% Paul Bowman
Phone
2084660916
Address
716 E Colorado Ave, Nampa, ID 83686

Signing Officer

Name
Paul Bowman
Title
VP-Finance
Phone
2084660916
Signed
2025-11-10

Organization Details

Principal Officer
Paul Bowman
Formed
1954
Legal Domicile
Id
Voting Board Members
7
Independent Board Members
7
Employees
30
Volunteers
10
Raw XML AppendixShowing 400 of 472 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/MissionDesc0Building better lives and stronger ministries by uniting the faith and finance of the Christian community
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IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt08614147
IRS990/NetAssetsOrFundBalancesEOYAmt08167823
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
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IRS990/OfficeExpensesGrp/TotalAmt0314009
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IRS990/OtherExpensesGrp/Desc1Prov for credit losses
IRS990/OtherExpensesGrp/Desc2Debit card fees
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IRS990/OtherExpensesGrp/TotalAmt1520700
IRS990/OtherExpensesGrp/TotalAmt2461428
IRS990/OtherLiabilitiesGrp/BOYAmt090326810
IRS990/OtherLiabilitiesGrp/EOYAmt094410313
IRS990/OtherSalariesAndWagesGrp/TotalAmt01015014
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt055650244
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IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt097355
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt086238
IRS990/PrincipalOfficerNm0Paul Bowman
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1453856
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt0576524
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0272844
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0428718
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0701562
IRS990ScheduleD/LandGrp/BookValueAmt01275244
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01275244
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt094410313
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member shares & deposits
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IRS990ScheduleD/TotalLiabilityAmt094410313
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IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0156154
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount023000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt028648
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0BRAD SWARTZENTRUBER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PresidentCEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0207802
IRS990ScheduleJ/SeverancePaymentInd0false
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IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd4false
IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0237636
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1155698
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt295690
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt362019
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt433652
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt528756
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt69131
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt79069
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt12nd mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4new auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6new auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7used auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0291885
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1160000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2202483
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt3104765
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt441774
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt563416
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt627623
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt719013
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0BRAD SWARTZENTRUBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1BRAD SWARTZENTRUBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2NATHAN ROSKAM
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3RICK YOUNGBLOOD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4BRAD SWARTZENTRUBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5PAUL BOWMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6RICK YOUNGBLOOD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7PAUL BOWMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PresidentCEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1PresidentCEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Chairperson
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4PresidentCEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5VP-Finance
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7VP-Finance
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/TotalBalanceDueAmt0631651
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union is comprised of members whose one vote is not based on the
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1amount of shares or deposits.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The members of the credit union elect the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The members of the credit union vote regarding changes to the charter or
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4deposit insurance and regarding mergers.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The board of directors is provided a copy of this form for review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Directs complete a Conflict of Interest form annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7All annual salary adjustments are compared to third-party salary surveys.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Documents are available upon request to the VP-Finance at the corporate
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9offices. Financial statements are posted in each branch lobby.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part VI Line 15a or b

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