Liabilities / Assets
62nd percentile
Higher debt load relative to assets than 62% of similar nonprofits.
Sunwest Educational Credit Union
990 • Fiscal year 2018 • EIN 84-0417233
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.90x
Liabilities / Revenue
77th percentile
Higher debt load relative to revenue than 77% of similar nonprofits.
Net Margin
89th percentile
Higher net margin than 89% of similar nonprofits.
Top Officer Pay
13th percentile
Higher top officer pay than 13% of similar nonprofits.
Top officer pay equals 2.3% of source-year revenue.
Asset Growth
76th percentile
Faster asset growth than 76% of similar nonprofits.
Revenue Growth
60th percentile
Faster revenue growth than 60% of similar nonprofits.
Balance Sheet
Assets
Up$136,277,205
Up $8,431,379 (+6.6%) from 2017
Net Assets
Up$13,612,128
Up $1,372,408 (+11%) from 2017
Liabilities
Up$122,665,077
Up $7,058,971 (+6.1%) from 2017
Revenue And Expenses
Revenue
Up$6,164,511
Up $654,777 (+12%) from 2017
Expenses
Up$4,723,356
Up $295,360 (+6.7%) from 2017
Net Income
Up$1,441,155
Up $359,417 (+33%) from 2017
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2018 to Dec 31, 2018
- Signed
- Nov 15, 2019
- Return Version
- 2018v3.1
- Gross Receipts
- $6,182,911
Mission and Program Overview
Mission
SunWest Credit Union will create a place where people feel they belong and can have all of their financial needs met, proactively engage with our members and our community, offer easily accessible financial products and services that meet our members' needs, and grow our financial strength so we can continuously develop offerings relevant to our members' changing lives.
Sunwest will offer a comprehensive range of superior financial services, build and retain sufficient capital to promote growth and offer the best possible return to its members, proactively build member financial education, add value to our community through active participation and protect and keep our member's information safe and secure.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $77,096,866 | $90,118,648 | ▲ $13,021,782 |
| Investments Other Securities | $1,601,058 | $28,316,118 | ▲ $26,715,060 |
| Rtn Earn Endowment Incm Other Fnds | $12,239,720 | $13,612,128 | ▲ $1,372,408 |
| Savings and Temporary Cash Investments | $32,436,780 | $11,068,264 | ▼ $21,368,516 |
| Investments in Publicly Traded Securities | $10,838,615 | - | - |
| Land, Buildings, and Equipment, Net | $3,159,733 | $3,326,944 | ▲ $167,211 |
| Cash and Non-Interest-Bearing Accounts | $1,132,164 | $952,279 | ▼ $179,885 |
| Prepaid Expenses and Deferred Charges | $173,230 | $224,916 | ▲ $51,686 |
| Accounts Receivable | $3,320 | - | - |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $127,845,826 | $136,277,205 | ▲ $8,431,379 |
| Other Assets Total | $1,404,060 | $2,270,036 | ▲ $865,976 |
| Liabilities | |||
| Other Liabilities | $114,763,414 | $121,646,341 | ▲ $6,882,927 |
| Accounts Payable and Accrued Expenses | $641,285 | $793,786 | ▲ $152,501 |
| Escrow Account Liability | $201,407 | $224,950 | ▲ $23,543 |
| Total Liabilities | $115,606,106 | $122,665,077 | ▲ $7,058,971 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $12,239,720 | $13,612,128 | ▲ $1,372,408 |
| Total Liabilities and Net Assets / Fund Balance | $127,845,826 | $136,277,205 | ▲ $8,431,379 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,934,829 | $1,347,798 | $3,282,627 |
| Equipment | $317,647 | $2,135,157 | $2,452,804 |
| Land | $1,055,787 | - | $1,055,787 |
| Other Land Buildings | $18,681 | $267,064 | $285,745 |
| Other Securities | $28,316,118 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Janice Mehle | President/CEO | FT | $127,645 | $12,173 | $139,818 |
| Amy Galassini | Vice President of Finance | FT | $83,542 | $10,502 | $94,044 |
| Leslie Shepard | Senior Vice President | FT | $82,984 | $11,059 | $94,043 |
| John Coleman Thru 83118 | Vice President of It | FT | $70,810 | $7,602 | $78,412 |
| Michael Shoaf | Vice President of Lending | FT | $75,031 | $1,569 | $76,600 |
| Alexander Krinsky | Vice President of It | FT | $24,377 | $996 | $25,373 |
| Gloria Santistevan-feeback | Board Chairperson | PT | $1,189 | - | $1,189 |
| Fred Ingo | Board Secretary | - | $1,116 | - | $1,116 |
| Jack Pecoraro | Board Member | - | $1,093 | - | $1,093 |
| David Niccoli | Board Vice Chairperson | - | $1,019 | - | $1,019 |
| Henry Roman | Board Treasurer | - | $992 | - | $992 |
Board Members and Trustees
| Name | Title |
|---|---|
| Frank Zerfas | Board Member |
| Warren Curtis | Board Member |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Fidelity National Information Services | Card Services | 601 RIVERSIDE AVENUE, Jacksonville, FL 32204 | $214,968 |
| Jack Henry & Associates INC | Information Services | 663 W HWY 60, Monett, MO 65708 | $150,822 |
| Cu Direct Corporation | Loan Systems | 2855 GUASTI ROAD SUITE 500, Ontario, CA 91761 | $133,799 |
| Corsentino Construction INC | Construction | 1989 ASPEN CIRCLE, Pueblo, CO 81006 | $108,524 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $5,342,197
- Investment Income
- $755,529
- Other Revenue
- $66,785
- Change in Net Assets
- $1,441,155
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $2,785,261 |
| Salaries, Compensation, and Employee Benefits | $1,938,095 |
| 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 | - | - | - | $1,094,551 |
| Fees for Services Other | - | - | - | $726,286 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $513,699 |
| Office Expenses | - | - | - | $319,411 |
| Advertising | - | - | - | $276,636 |
| Occupancy | - | - | - | $165,985 |
| Other Employee Benefits | - | - | - | $155,965 |
| Depreciation Depletion | - | - | - | $147,649 |
| Payroll Taxes | - | - | - | $131,809 |
| Other Expenses | - | - | - | $67,577 |
| Conferences and Meetings | - | - | - | $53,832 |
| Fees for Services Management | - | - | - | $44,758 |
| Insurance | - | - | - | $43,294 |
| Pension Plan Contributions | - | - | - | $42,071 |
| Fees for Services Accounting | - | - | - | $13,875 |
| All Other Expenses | - | - | - | $12,849 |
| Fees for Services Legal | - | - | - | $11,828 |
| Total Functional Expenses | $0 | $0 | $0 | $4,723,356 |
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 |
|---|---|
| Member Share and Deposit Accounts | $121,646,341 |
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
- Yes
- Compensation from other sources disclosed
- No
- CEO compensation reviewed
- Yes
- 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
Governance Explanations
Form 990, Part VI, Section A, Line 4
“The way the credit union name is displayed was modified to pueblo teachers' credit union aka sunwest educational credit union aka sunwest credit union. The name under which the entity will conduct business is now sunwest credit union.”
Form 990, Part VI, Section A, Line 6
“Member owned, not for profit financial institution - state chartered credit union 11,810 members”
Form 990, Part VI, Section A, Line 7A
“An annual election is held for membership to elect the members of the board of directors. Any member in good standing over 18 years of age may run for an open position on the board that is vacated due to an expiring term or other circumstance which may create a vacancy. All members in good standing over 18 years of age are eligible to vote. Each member is entitled to only one vote.”
Form 990, Part VI, Section B, Line 11B
“A copy of the completed form 990 is provided to each member of the board of directors upon completion. The vice president of finance is available to answer any questions. The 990 is then voted on and approved by a quorum of the board of directors prior to submission.”
Form 990, Part VI, Section B, Line 12C
“All employees and volunteers are required to disclose any conflict of interest on an annual basis. Conflicts of interest are determined at an executive/board level. Actual conflicts of interest are reviewed at an executive/board level. Annual disclosure statements must be signed by all employees and volunteers.”
Form 990, Part VI, Section B, Line 15A
“The board of directors determines compensation for the president/ceo, using available comparability data, including compensation surveys. The board of directors has granted the president/ceo authority to determine compensation for the other officers and key employees of the organization within the compensation budget. Compensation reviews are performed annually and were last conducted in 2018.”
Form 990, Part VI, Section C, Line 19
“The governing documents, conflict of interest policy and financial statements are available for inspection at the main office of the credit union upon request.”
Filing and Contact Details
Filer
- Filer Name
- Sunwest Educational Credit Union
- EIN
- 84-0417233
- Phone
- 7195610804
- Address
- 4141 SOVEREIGN CIRCLE, PUEBLO, CO 81005
- Doing Business As
- Sunwest Credit Union
Signing Officer
- Name
- Amy Galassini
- Title
- Vice President
- Phone
- 7195610804
- Signed
- 2019-11-15
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Janice Mehle
- Formed
- 1935
- Legal Domicile
- Co
- Voting Board Members
- 7
- Independent Board Members
- 2
- Employees
- 45
- Volunteers
- 10
Preparer
- Firm
- Singerlewak Llp
- Address
- 10960 WILSHIRE BOULEVARD 7TH FLOOR, LOS ANGELES, CA 90024-3783
- Preparer
- Nazanin Benyamini
- Phone
- 3104773924
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 11G
“Computer fees 104,483. Atm fees 317,945. Other professional 303,858.”
FORM 990, PART XII, LINE 2:
“The credit union has engaged an audit firm to conduct an agreed-upon procedures engagement for the period of july 1, 2018 through june 30, 2019. The engagement will meet the minimum requirements established by part 715 of the ncua rules and regulations.”
Financial Statement Notes
PART IV, LINE 2B:
“The escrow liability is for escrow accounts held for members who have mortgage loans with the credit union to pay property taxes and property insurance.”
Raw XML AppendixShowing 400 of 461 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/AccountsReceivableGrp/BOYAmt | 0 | 3320 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | SUNWEST WILL OFFER A COMPREHENSIVE RANGE OF SUPERIOR FINANCIAL SERVICES, BUILD AND RETAIN SUFFICIENT CAPITAL TO PROMOTE GROWTH AND OFFER THE BEST POSSIBLE RETURN TO ITS MEMBERS, PROACTIVELY BUILD MEMBER FINANCIAL EDUCATION, ADD VALUE TO OUR COMMUNITY THROUGH ACTIVE PARTICIPATION AND PROTECT AND KEEP OUR MEMBER'S INFORMATION SAFE AND SECURE. |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 70810 |
| 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/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | BOARD CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD VICE CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SENIOR VICE PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | VICE PRESIDENT OF FINANCE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | VICE PRESIDENT OF IT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | VICE PRESIDENT OF LENDING |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | VICE PRESIDENT OF IT |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1935 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -18400 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 6182911 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 54817 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 2 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 43294 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 773929 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 773929 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 1601058 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 28316118 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 10838615 |
| IRS990/IRPDocumentCnt | 0 | 2904 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3750019 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 3159733 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 3326944 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 7076963 |
| IRS990/LegalDomicileStateCd | 0 | CO |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 18400 |
| IRS990/LessRentalExpensesGrp/RealAmt | 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 | SUNWEST CREDIT UNION WILL OFFER A COMPREHENSIVE RANGE OF SUPERIOR FINANCIAL SERVICES, BUILD AND RETAIN SUFFICIENT CAPITAL TO PROMOTE GROWTH AND OFFER THE BEST POSSIBLE RETURN TO ITS MEMBERS, PROACTIVELY BUILD MEMBER FINANCIAL EDUCATION, ADD VALUE TO OUR COMMUNITY THROUGH ACTIVE PARTICIPATION AND PROTECT AND KEEP OUR MEMBER'S INFORMATION SAFE AND SECURE. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 12239720 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 13612128 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | -18400 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -18400 |
| IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt | 0 | 54817 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 54817 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -169 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -68747 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 165985 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 319411 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1404060 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2270036 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 155965 |
| IRS990/OtherExpensesGrp/Desc | 0 | DIVIDEND AND INTEREST E |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 3 | MISCELLANEOUS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 482028 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 317131 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 102122 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 67577 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 114763414 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 121646341 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522130 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | NON-MEMBER ATM FEES |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 11968 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 11968 |
| IRS990/OtherRevenueTotalAmt | 0 | 11968 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1094551 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 77096866 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 90118648 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 131809 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 42071 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 173230 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 224916 |
| IRS990/PrincipalOfficerNm | 0 | JANICE MEHLE |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST INCOME/LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4048910 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 819246 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 474041 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 4048910 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 819246 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 474041 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 537477 |
| IRS990/PYOtherExpensesAmt | 0 | 2665509 |
| IRS990/PYOtherRevenueAmt | 0 | 48990 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4923267 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1081738 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1762487 |
| IRS990/PYTotalExpensesAmt | 0 | 4427996 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 5509734 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1441155 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 54817 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 12239720 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 13612128 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 32436780 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 11068264 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AdditionsDuringYearAmt | 0 | 494479 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 1 |
| IRS990ScheduleD/BeginningBalanceAmt | 0 | 201407 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1934829 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1347798 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3282627 |
| IRS990ScheduleD/DistributionsDuringYearAmt | 0 | 470936 |
| IRS990ScheduleD/EndingBalanceAmt | 0 | 224950 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 317647 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 2135157 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2452804 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1055787 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1055787 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 18681 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 267064 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 285745 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 121646341 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARE AND DEPOSIT ACCOUNTS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 28316118 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | OTHER INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | THE ESCROW LIABILITY IS FOR ESCROW ACCOUNTS HELD FOR MEMBERS WHO HAVE MORTGAGE LOANS WITH THE CREDIT UNION TO PAY PROPERTY TAXES AND PROPERTY INSURANCE. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART IV, LINE 2B: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 3326944 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 28316118 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 121646341 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE WAY THE CREDIT UNION NAME IS DISPLAYED WAS MODIFIED TO PUEBLO TEACHERS' CREDIT UNION AKA SUNWEST EDUCATIONAL CREDIT UNION AKA SUNWEST CREDIT UNION. THE NAME UNDER WHICH THE ENTITY WILL CONDUCT BUSINESS IS NOW SUNWEST CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | MEMBER OWNED, NOT FOR PROFIT FINANCIAL INSTITUTION - STATE CHARTERED CREDIT UNION 11,810 MEMBERS |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | AN ANNUAL ELECTION IS HELD FOR MEMBERSHIP TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS. ANY MEMBER IN GOOD STANDING OVER 18 YEARS OF AGE MAY RUN FOR AN OPEN POSITION ON THE BOARD THAT IS VACATED DUE TO AN EXPIRING TERM OR OTHER CIRCUMSTANCE WHICH MAY CREATE A VACANCY. ALL MEMBERS IN GOOD STANDING OVER 18 YEARS OF AGE ARE ELIGIBLE TO VOTE. EACH MEMBER IS ENTITLED TO ONLY ONE VOTE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | A COPY OF THE COMPLETED FORM 990 IS PROVIDED TO EACH MEMBER OF THE BOARD OF DIRECTORS UPON COMPLETION. THE VICE PRESIDENT OF FINANCE IS AVAILABLE TO ANSWER ANY QUESTIONS. THE 990 IS THEN VOTED ON AND APPROVED BY A QUORUM OF THE BOARD OF DIRECTORS PRIOR TO SUBMISSION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | ALL EMPLOYEES AND VOLUNTEERS ARE REQUIRED TO DISCLOSE ANY CONFLICT OF INTEREST ON AN ANNUAL BASIS. CONFLICTS OF INTEREST ARE DETERMINED AT AN EXECUTIVE/BOARD LEVEL. ACTUAL CONFLICTS OF INTEREST ARE REVIEWED AT AN EXECUTIVE/BOARD LEVEL. ANNUAL DISCLOSURE STATEMENTS MUST BE SIGNED BY ALL EMPLOYEES AND VOLUNTEERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE BOARD OF DIRECTORS DETERMINES COMPENSATION FOR THE PRESIDENT/CEO, USING AVAILABLE COMPARABILITY DATA, INCLUDING COMPENSATION SURVEYS. THE BOARD OF DIRECTORS HAS GRANTED THE PRESIDENT/CEO AUTHORITY TO DETERMINE COMPENSATION FOR THE OTHER OFFICERS AND KEY EMPLOYEES OF THE ORGANIZATION WITHIN THE COMPENSATION BUDGET. COMPENSATION REVIEWS ARE PERFORMED ANNUALLY AND WERE LAST CONDUCTED IN 2018. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE FOR INSPECTION AT THE MAIN OFFICE OF THE CREDIT UNION UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | COMPUTER FEES 104,483. ATM FEES 317,945. OTHER PROFESSIONAL 303,858. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | THE CREDIT UNION HAS ENGAGED AN AUDIT FIRM TO CONDUCT AN AGREED-UPON PROCEDURES ENGAGEMENT FOR THE PERIOD OF JULY 1, 2018 THROUGH JUNE 30, 2019. THE ENGAGEMENT WILL MEET THE MINIMUM REQUIREMENTS ESTABLISHED BY PART 715 OF THE NCUA RULES AND REGULATIONS. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 4 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART IX, LINE 11G |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART XII, LINE 2: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 127845826 |
| IRS990/TotalAssetsEOYAmt | 0 | 136277205 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 127845826 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 136277205 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 45 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 4723356 |
| IRS990/TotalGrossUBIAmt | 0 | 11968 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 115606106 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 122665077 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $136,277,205
- Liabilities
- $122,665,077
- Net assets
- $13,612,128
- Revenue
- $6,164,511
- Expenses
- $4,723,356
- Net income
- $1,441,155