Liabilities / Assets
57th percentile
Higher debt load relative to assets than 57% of similar nonprofits.
Foothills Credit Union
990 • Fiscal year 2013 • EIN 84-0384061
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.90x
Liabilities / Revenue
69th percentile
Higher debt load relative to revenue than 69% of similar nonprofits.
Net Margin
85th percentile
Higher net margin than 85% of similar nonprofits.
Top Officer Pay
57th percentile
Higher top officer pay than 57% of similar nonprofits.
Top officer pay equals 4.8% of source-year revenue.
Asset Growth
92nd percentile
Faster asset growth than 92% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Up$65,108,859
Up $5,884,637 (+9.9%) from 2012
Net Assets
Up$6,510,325
Up $530,854 (+8.9%) from 2012
Liabilities
Up$58,598,534
Up $5,353,783 (+10%) from 2012
Revenue And Expenses
Revenue
$2,831,549
No earlier filing loaded for comparison.
Expenses
Up$2,300,695
Up $19,539 (+0.9%) from 2012
Net Income
$530,854
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Nov 5, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $2,831,549
Mission and Program Overview
Mission
Educating individuals, empowering families, and enriching communities with exciting financial solutions. To promote thrift and provide lower cost credit to the members of the credit union.
To promote thrift and provide lower cost credit to the members of the credit union. To promote thrift among members by affording them the opportunity to accumulate payments on shares and to make loans from these shares to its members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $42,056,135 | $47,919,355 | ▲ $5,863,220 |
| Investments Other Securities | $7,484,717 | $8,675,617 | ▲ $1,190,900 |
| Savings and Temporary Cash Investments | $6,208,817 | $5,320,613 | ▼ $888,204 |
| Rtn Earn Endowment Incm Other Fnds | $4,536,588 | $5,067,442 | ▲ $530,854 |
| Land, Buildings, and Equipment, Net | $1,630,078 | $1,539,697 | ▼ $90,381 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $1,442,883 | $1,442,883 | → $0 |
| Cash and Non-Interest-Bearing Accounts | $451,583 | $279,988 | ▼ $171,595 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $59,224,222 | $65,108,859 | ▲ $5,884,637 |
| Other Assets Total | $1,392,892 | $1,373,589 | ▼ $19,303 |
| Liabilities | |||
| Other Liabilities | $53,041,056 | $58,394,602 | ▲ $5,353,546 |
| Accounts Payable and Accrued Expenses | $203,695 | $203,932 | ▲ $237 |
| Total Liabilities | $53,244,751 | $58,598,534 | ▲ $5,353,783 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $5,979,471 | $6,510,325 | ▲ $530,854 |
| Total Liabilities and Net Assets / Fund Balance | $59,224,222 | $65,108,859 | ▲ $5,884,637 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $664,278 | $549,140 | $1,213,418 |
| Land | $750,000 | - | $750,000 |
| Equipment | $125,419 | $556,621 | $682,040 |
| Other Securities | $1,100,000 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Scott Mcneil | President/CEO | FT | $127,427 | $8,050 | $135,477 |
| Alice Mccarthy-spikes | Executive Vice President | FT | $96,784 | $31,907 | $128,691 |
| Tim Cattau | Vice President of Lending | FT | $71,993 | $2,622 | $74,615 |
Board Members and Trustees
| Name | Title |
|---|---|
| Mart Jones | Chair |
| Kevin Paletta | Vice-chair |
| Donald Lombardi | Director |
| Phillip Tenney | Director |
| Robert Bucheit | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $2,757,801
- Investment Income
- $68,551
- Other Revenue
- $5,197
- Change in Net Assets
- $530,854
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $1,381,736 |
| Salaries, Compensation, and Employee Benefits | $918,959 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $448,778 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $296,204 |
| Office Expenses | - | - | - | $266,550 |
| Fees for Services Other | - | - | - | $112,854 |
| Depreciation Depletion | - | - | - | $96,079 |
| Other Employee Benefits | - | - | - | $91,192 |
| Advertising | - | - | - | $87,491 |
| Occupancy | - | - | - | $80,952 |
| Payroll Taxes | - | - | - | $59,308 |
| Conferences and Meetings | - | - | - | $50,194 |
| Other Expenses | - | - | - | $29,412 |
| Information Technology | - | - | - | $25,208 |
| Pension Plan Contributions | - | - | - | $23,477 |
| Insurance | - | - | - | $16,664 |
| Fees for Services Legal | - | - | - | $13,317 |
| Fees for Services Accounting | - | - | - | $8,040 |
| All Other Expenses | - | - | - | $-22,286 |
| Total Functional Expenses | $0 | $0 | $0 | $2,300,695 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| MEMBERS' SHARE AND DEPOSIT ACCOUNTS | $58,394,602 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- 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
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, line 6
“The Credit Union is a member owned financial cooperative that is operated for the benefit of people who live or work in Lakewood, CO and various select employee groups and their families.”
Form 990, Part VI, Section A, line 7A
“The members of the credit union annually elect the Board of Directors to serve for multiple-year terms by mailing in ballots or voting at an annual meeting.”
Form 990, Part VI, Section A, line 7B
“Various decisions made by the Board of Directors for a credit union are subject to approval by the members of the credit union as set forth in NCUA rules and regulations and applicable state regulations.”
Form 990, Part VI, Section B, line 11
“The completed Form 990 is reviewed by the President/CEO. The Board of Directors does not review the Form 990.”
Form 990, Part VI, Section B, line 12C
“Annually, staff and volunteers are required to read and sign a document verifying they have read the Conflict of Interest Policy. Any issues are discussed with the key officers and those charged with governance for resolution.”
Form 990, Part VI, Section B, line 15
“The Secretary/ Treasurer of the Board is responsible for writing the President's annual review. The review is then submitted for approval by the full Board of Directors. The President will conduct annual reviews of all other staff, including upper management. Data for considering pay increases is derived from the Complete Credit Union Staff Salary as provided by the CUNA (Credit Union National Association) Mutual. Considerations center on the following points: asset size, number of full-time employees, number of members, and number of services offered. The President may approve all staff salary, except his own, without Board approval.”
Form 990, Part VI, Section C, line 19
“The credit union's governing documents and conflict of interest policies are available for review upon request at the credit union. Monthly financial statements are available and on display at the credit union. Quarterly financial data is accessible to the public at www.ncua.gov.”
Filing and Contact Details
Filer
- EIN
- 84-0384061
- Phone
- 7209628200
Signing Officer
- Name
- Scott Mcneil
- Title
- President/CEO
- Phone
- 7209628200
- Signed
- 2014-11-05
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Scott McNeil
- Formed
- 1987
- Legal Domicile
- Co
- Voting Board Members
- 5
- Independent Board Members
- 5
- Employees
- 16
- Volunteers
- 10
Preparer
- Preparer
- Sheila M Balzer
- Phone
- 3037592727
Raw XML Appendix369 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 |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 203695 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 203932 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | To promote thrift and provide lower cost credit to the members of the credit union. To promote thrift among members by affording them the opportunity to accumulate payments on shares and to make loans from these shares to its members. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 87491 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | -22286 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1 | 0 | Foothills Credit Union |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7209628200 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 7990 West Alamenda Avenue |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | Lakewood |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | CO |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 80226 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 451583 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 279988 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 296204 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 50194 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 68551 |
| IRS990/CYOtherExpensesAmt | 0 | 1381736 |
| IRS990/CYOtherRevenueAmt | 0 | 5197 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 2757801 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 530854 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 918959 |
| IRS990/CYTotalExpensesAmt | 0 | 2300695 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 2831549 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 96079 |
| IRS990/Desc | 0 | PROVIDE A WIDE VARIETY OF FINANCIAL PRODUCTS AND SERVICES TO MEMBERS OF THE CREDIT UNION. OVER 6,800 MEMBERS SERVED. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 16 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 8040 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 13317 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 112854 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 8050 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 31907 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 2622 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | MART JONES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | KEVIN PALETTA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | ROBERT BUCHEIT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | DONALD LOMBARDI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | PHILLIP TENNEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | SCOTT MCNEIL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | ALICE MCCARTHY-SPIKES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | TIM CATTAU |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 127427 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 96784 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 71993 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE-CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | EXECUTIVE VICE PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | VICE PRESIDENT OF LENDING |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1987 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 4551 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 5 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 4551 |
| IRS990/GrossReceiptsAmt | 0 | 2831549 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 25208 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 16664 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 64000 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 64000 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 7484717 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 8675617 |
| IRS990/IRPDocumentCnt | 0 | 1592 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1105761 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1630078 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1539697 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2645458 |
| IRS990/LegalDomicileStateCd | 0 | CO |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 0 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | To promote thrift and provide lower cost credit to the members of the credit union. To promote thrift among members by affording them the opportunity to accumulate payments on shares and to make loans from these shares to its members. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 5979471 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 6510325 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4551 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 4551 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -824 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 80952 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 266550 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1392892 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1373589 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 91192 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 1 | INTEREST/DIVIDENDS PAID |
| IRS990/OtherExpensesGrp/Desc | 2 | CORPORATE STABILIZATION |
| IRS990/OtherExpensesGrp/Desc | 3 | MISCELLANEOUS OPERATING |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 315602 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 258394 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 43265 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 29412 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 53041056 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 58394602 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | NON-MEMBER ATM FEES |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 5197 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 5197 |
| IRS990/OtherRevenueTotalAmt | 0 | 5197 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 448778 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 42056135 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 47919355 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 59308 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 1442883 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 1442883 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 23477 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | Scott McNeil |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS TO M |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | FEES AND OTHER CHARGES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2194034 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 325210 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 238557 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2194034 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 325210 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 238557 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 63994 |
| IRS990/PYOtherExpensesAmt | 0 | 1403759 |
| IRS990/PYOtherRevenueAmt | 0 | 6970 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2762005 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 551813 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 877397 |
| IRS990/PYTotalExpensesAmt | 0 | 2281156 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 2832969 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 530854 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 4536588 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 5067442 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 6208817 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 5320613 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 664278 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 549140 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1213418 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 125419 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 556621 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 682040 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 750000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 750000 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 58394602 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBERS' SHARE AND DEPOSIT ACCOUNTS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 281783 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 6832000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 59300 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 402534 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 4 | 1100000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | MEMBERSHIP CAPITAL AT CORPORATE CREDIT UNIONS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | CERTIFICATES OF DEPOSIT IN OTHER INSTITUTIONS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | FHLB STOCK |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | PAID IN CAPITAL AT CORPORATE CREDIT UNIONS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 4 | INVESTMENTS IN CORPORATE CREDIT UNIONS |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 4 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1539697 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 8675617 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 58394602 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The Credit Union is a member owned financial cooperative that is operated for the benefit of people who live or work in Lakewood, CO and various select employee groups and their families. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | The members of the credit union annually elect the Board of Directors to serve for multiple-year terms by mailing in ballots or voting at an annual meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Various decisions made by the Board of Directors for a credit union are subject to approval by the members of the credit union as set forth in NCUA rules and regulations and applicable state regulations. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The completed Form 990 is reviewed by the President/CEO. The Board of Directors does not review the Form 990. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Annually, staff and volunteers are required to read and sign a document verifying they have read the Conflict of Interest Policy. Any issues are discussed with the key officers and those charged with governance for resolution. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | The Secretary/ Treasurer of the Board is responsible for writing the President's annual review. The review is then submitted for approval by the full Board of Directors. The President will conduct annual reviews of all other staff, including upper management. Data for considering pay increases is derived from the Complete Credit Union Staff Salary as provided by the CUNA (Credit Union National Association) Mutual. Considerations center on the following points: asset size, number of full-time employees, number of members, and number of services offered. The President may approve all staff salary, except his own, without Board approval. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | The credit union's governing documents and conflict of interest policies are available for review upon request at the credit union. Monthly financial statements are available and on display at the credit union. Quarterly financial data is accessible to the public at www.ncua.gov. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, line 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section C, line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 59224222 |
| IRS990/TotalAssetsEOYAmt | 0 | 65108859 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 59224222 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 65108859 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 16 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2300695 |
| IRS990/TotalGrossUBIAmt | 0 | 5197 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 53244751 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 58598534 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 53244751 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 58598534 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 5979471 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 6510325 |
| IRS990/TotalOtherCompensationAmt | 0 | 42579 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 2757801 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 296204 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 64000 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2762352 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2831549 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 5197 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 59224222 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 65108859 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1 | 0 | 7990 West Alameda Ave |
| IRS990/USAddress/City | 0 | Lakewood |
| IRS990/USAddress/State | 0 | CO |
| IRS990/USAddress/ZIPCode | 0 | 80226 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 5 |
| IRS990/VotingMembersIndependentCnt | 0 | 5 |
| IRS990/WebsiteAddressTxt | 0 | www.foothills-cu.com |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | SCOTT MCNEIL |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT/CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7209628200 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-11-05 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | Foothills Credit Union |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | FOOT |
| ReturnHeader/Filer/EIN | 0 | 840384061 |
| ReturnHeader/Filer/PhoneNum | 0 | 7209628200 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 7990 W Alameda Avenue |
| ReturnHeader/Filer/USAddress/City | 0 | Lakewood |
| ReturnHeader/Filer/USAddress/State | 0 | CO |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 80226 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 841474365 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | HOLBEN HAY LAKE BALZER CPAS LLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | 1777 S HARRISON STREET SUITE 1000 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City | 0 | DENVER |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State | 0 | CO |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode | 0 | 80210 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 3037592727 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | Sheila M Balzer |
| ReturnHeader/ReturnTs | 0 | 2014-11-13T15:54:50-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2013-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2013-12-31 |
| ReturnHeader/TaxYr | 0 | 2013 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $65,108,859
- Liabilities
- $58,598,534
- Net assets
- $6,510,325
- Revenue
- $2,831,549
- Expenses
- $2,300,695
- Net income
- $530,854
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