Civic Intelligence

Sooper Credit Union DBA Climb Credit Union

990 • Fiscal year 2017 • EIN 84-0419976

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 13, 2018

Organization Profilewww.soopercu.org

View Organization Page

5005 W 60th AveArvada, CO 80003

(303) 427-5005

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

46th percentile

0.89x

Higher debt load relative to assets than 46% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

43rd percentile

17.09x

Higher debt load relative to revenue than 43% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

50th percentile

13%

Higher net margin than 50% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

77th percentile

$565,734

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

57th percentile

5.8%

Faster asset growth than 57% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

60th percentile

9.4%

Faster revenue growth than 60% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets46th percentile

Assets

Up

$360,333,288

Up $19,816,664 (+5.8%) from 2016

Net Assets

Up

$39,161,039

Up $2,276,495 (+6.2%) from 2016

Liabilities

Up

$321,172,249

Up $17,540,169 (+5.8%) from 2016

Revenue And Expenses
Liabilities / Revenue43rd percentileNet Margin50th percentile

Revenue

Up

$18,789,276

Up $1,608,443 (+9.4%) from 2016

Expenses

Down

$16,369,682

Down $370,440 (-2.2%) from 2016

Net Income

Up

$2,419,594

Up $1,978,883 (+449%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth57th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$800M$600M$400M$200M$0Assets 2010: $234,178,498Liabilities 2010: $202,367,930Net Assets 2010: $31,810,5682010Assets 2011: $246,286,685Liabilities 2011: $213,243,055Net Assets 2011: $33,043,6302011Assets 2012: $265,892,604Liabilities 2012: $231,166,316Net Assets 2012: $34,726,2882012Assets 2013: $276,342,272Liabilities 2013: $240,512,341Net Assets 2013: $35,829,9312013Assets 2014: $296,991,500Liabilities 2014: $259,623,725Net Assets 2014: $37,367,7752014Assets 2015: $317,868,185Liabilities 2015: $280,784,889Net Assets 2015: $37,083,2962015Assets 2016: $340,516,624Liabilities 2016: $303,632,080Net Assets 2016: $36,884,5442016Assets 2017: $360,333,288Liabilities 2017: $321,172,249Net Assets 2017: $39,161,0392017Assets 2018: $388,076,989Liabilities 2018: $346,302,875Net Assets 2018: $41,774,1142018Assets 2019: $414,152,437Liabilities 2019: $367,933,042Net Assets 2019: $46,219,3952019Assets 2020: $477,256,074Liabilities 2020: $427,950,957Net Assets 2020: $49,305,1172020Assets 2021: $541,418,878Liabilities 2021: $486,542,139Net Assets 2021: $54,876,7392021Assets 2022: $632,073,960Liabilities 2022: $571,267,579Net Assets 2022: $60,806,3812022Assets 2023: $664,866,439Liabilities 2023: $596,361,879Net Assets 2023: $68,504,5602023Assets 2024: $658,967,972Liabilities 2024: $585,436,659Net Assets 2024: $73,531,3132024

Highlighted filing

2017

Assets$360,333,288
Liabilities$321,172,249
Net Assets$39,161,039
Open 2017 Filing

Operations Trend

Revenue Growth60th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$60M$40M$20M$0Expenses 2010: $13,614,8072010Expenses 2011: $12,778,3432011Expenses 2012: $11,254,3352012Revenue 2013: $13,562,223Expenses 2013: $12,129,052Net Income 2013: $1,433,1712013Revenue 2014: $13,745,001Expenses 2014: $13,157,329Net Income 2014: $587,6722014Revenue 2015: $16,072,400Expenses 2015: $15,370,058Net Income 2015: $702,3422015Revenue 2016: $17,180,833Expenses 2016: $16,740,122Net Income 2016: $440,7112016Revenue 2017: $18,789,276Expenses 2017: $16,369,682Net Income 2017: $2,419,5942017Revenue 2018: $20,177,076Expenses 2018: $16,876,573Net Income 2018: $3,300,5032018Revenue 2019: $22,607,217Expenses 2019: $19,268,546Net Income 2019: $3,338,6712019Revenue 2020: $22,056,098Expenses 2020: $19,628,495Net Income 2020: $2,427,6032020Revenue 2021: $25,522,076Expenses 2021: $19,465,362Net Income 2021: $6,056,7142021Revenue 2022: $32,901,529Expenses 2022: $23,726,735Net Income 2022: $9,174,7942022Revenue 2023: $42,570,734Expenses 2023: $34,756,679Net Income 2023: $7,814,0552023Revenue 2024: $50,557,251Expenses 2024: $45,483,133Net Income 2024: $5,074,1182024

Highlighted filing

2017

Revenue$18,789,276
Expenses$16,369,682
Net Income$2,419,594
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 13, 2018
Return Version
2017v2.3
Gross Receipts
$33,590,392
Mission and Program Overview

Mission

To improve our communities' quality of life by enhancing our members'financial well-being.

To improve our communities' quality of life by enhancing our members' financial well-being.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$236,769,790$276,973,511▲ $40,203,721
Investments in Publicly Traded Securities$47,482,910$43,505,951▼ $3,976,959
Rtn Earn Endowment Incm Other Fnds$30,650,143$32,926,638▲ $2,276,495
Land, Buildings, and Equipment, Net$11,571,141$11,280,083▼ $291,058
Savings and Temporary Cash Investments$28,594,698$7,365,772▼ $21,228,926
Pd in Cap Srpls Land Bldg Eqp Fund$6,234,401$6,234,401→ $0
Investments Program Related-$3,561,582-
Cash and Non-Interest-Bearing Accounts$2,934,430$2,941,904▲ $7,474
Accounts Receivable$343,711$1,768,617▲ $1,424,906
Prepaid Expenses and Deferred Charges$658,249$669,960▲ $11,711
Investments Other Securities$6,192,874$342,400▼ $5,850,474
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$340,516,624$360,333,288▲ $19,816,664
Other Assets Total$5,968,821$11,923,508▲ $5,954,687
Liabilities
Other Liabilities$299,866,440$310,979,983▲ $11,113,543
Accounts Payable and Accrued Expenses$3,765,640$5,192,266▲ $1,426,626
Mortgage Notes Payable Secured by Investment Property-$5,000,000-
Total Liabilities$303,632,080$321,172,249▲ $17,540,169
Net Assets / Fund Balance
Total Net Assets Fund Balance$36,884,544$39,161,039▲ $2,276,495
Total Liabilities and Net Assets / Fund Balance$340,516,624$360,333,288▲ $19,816,664

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,887,755$3,681,052$11,568,807
Equipment$1,289,381$1,452,112$2,741,493
Land$2,102,947-$2,102,947
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Darrell MannEvpFT$332,782$232,952$565,734
Dan KesterCEO/presidentFT$359,891$121,279$481,170
Carrie LanggardChief Financial OfficerFT$137,895$25,960$163,855
Mike LitzauEvp of CorporateFT$125,224$28,086$153,310
John PurcellVP LendingFT$106,774$13,860$120,634
Donna OgorekVP MarketingFT$108,298$10,568$118,866
Shauna SansottaVP OperationsFT$99,760$10,675$110,435
Terri RhoadesAvp Business ServicesFT$91,637$10,325$101,962
Domenic SansottaDirector of CommunicationsFT$75,688$9,796$85,484
Gary RobbinsSr VP of LendingFT$68,700$14,840$83,540
Ron NennichAvp of AccountingFT$65,349$6,554$71,903
Josh HendersonVP ItFT$60,106$3,173$63,279
Yannick LerollandVP ItFT$52,844$4,042$56,886
Amanda KobzaVP FinanceFT$29,024$481$29,505

Board Members and Trustees

NameTitle
Donetta DavidsonChairperson
Dan BigandtVice-chairperson
Adam WilliamsonDirector
Bob BruhnDirector
FLOSSIE O'LEARYDirector
Tony DilorioDirector
Dale RuttDirector Emeritus
John BodnarSecretary
Tony DaymilTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Co-op Financial Services INCAtm Network Service Provider9692 Haven Avenue, Rancho Cucamonga, CA 91730$755,100
Cu Prodigy - CoreData Processor209 E GORDON AVE, Layton, UT 84041$447,843
B&m RoofingRoofing Contractor3768 EUREKA WAY, Frederick, CO 80516-9447$279,200
Q2 Software INCEbanking Services13785 RESEARCH BLVD STE 150, Austin, TX 78750$263,644
Premier RecoverCollection ServicesPO BOX 211599, Denver, CO 80221$240,265
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,346,408
Investment Income
$1,409,604
Other Revenue
$33,264
Change in Net Assets
$2,419,594
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,686,518
Salaries, Compensation, and Employee Benefits$6,683,164
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,524,748
Office Expenses---$2,830,692
Current Officers, Directors, Trustees, and Key Employees---$1,792,244
Depreciation Depletion---$848,436
Other Employee Benefits---$565,677
Information Technology---$504,444
Occupancy---$495,640
Pension Plan Contributions---$415,534
Payroll Taxes---$384,961
Fees for Services Other---$339,544
Other Expenses---$256,264
Advertising---$179,381
Conferences and Meetings---$163,210
Fees for Services Accounting---$113,782
Insurance---$102,289
All Other Expenses---$40,048
Fees for Services Legal---$13,670
Interest---$1,461
Total Functional Expenses$0$0$0$16,369,682
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

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
-Management of the Credit Union Sits on the Board of Directors of the EntityCore ProcessorNo$447,843
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE AND DEPOSIT ACCOUNTS$310,979,983
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

“Persons eligible for membership inclued employees (and family members) of king soopers, city market, and other businesses and members of associations generally in the denver, colorado springs, and grand junction, colorado areas. Membership also includes persons 55 years or older living within 25 miles of a sooper credit union branch. In 2015, the credit union added persons who live or work in jefferson county, colorado to its field of membership. A $5 minimum deposit is required for membership.”

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. Merger-requires two-thirds majority vote of voting members. Charter conversion-requires two-thirds majority vote of voting members. Dissolution and liquidation-requires majority vote of entire membership.”

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

“The credit union has contracted with a certified public accounting firm for assistance in completion of the form 990/990-t. Currently, the board of directors does not review the tax form 990/990-t prior to submission.”

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

“Conflict of interest statements are sent to the directors, supervisory committee and all staff annually. These are completed and returned to the director of corporate.”

Form 990, Part VI, Section B, line 15

“Ceo compensation-the board of directors use compensation surveys to determine ceo compensation. Ceo compensation is approved by the board of directors. Top management compensation-job descriptions are developed using the compease software portal. Factors and job descriptions are set within the software, which then determines the salary range for the position. Salaries are increased and determined by performance and the employees' comparatio.”

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 upon request. Summarized financial information is available on the credit union's website. Quarterly financial date is available to the public at www.ncua.gov.”

Filing and Contact Details

Filer

Filer Name
Sooper Credit Union
EIN
84-0419976
Phone
3034275005
Address
5005 W 60th Ave, Arvada, CO 80003

Signing Officer

Name
Amanda Kobza
Title
VP Finance
Phone
3034275005
Signed
2018-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Daniel Kester
Formed
1951
Legal Domicile
Co
Voting Board Members
8
Independent Board Members
8
Employees
142
Volunteers
13

Preparer

Firm
Holben Hay Lake Balzer CPAs LLC
Address
1777 S Harrison Street 1000, Denver, CO 80210
Preparer
Sheila M Balzer
Phone
3037592727
Supplemental Narrative

Additional Explanations

Part XII, Line 2B and 2C

“The credit unionreceives audited financial statements prepared in accordance with generally accepted accounting principles. The audit is conducted, however, on the credit union's september 30, 2017 and 2016 financial statements. Thus, question 2a is answered "no". The credit union does have a committee that assumes responsibility for oversight of the audit and the selection of an independent accountant, but question 2c is answered no since the 12/31/17 financial statements were not audited.”

Part XII, Line 2C

“Selection of the auditors and oversight of the auditors is done by the supervisory committee. There were no changes to the selection or oversight practices during 2017.”

Raw XML AppendixShowing 400 of 597 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt03765640
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt05192266
IRS990/AccountsReceivableGrp/BOYAmt0343711
IRS990/AccountsReceivableGrp/EOYAmt01768617
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO IMPROVE OUR COMMUNITIES' QUALITY OF LIFE BY ENHANCING OUR MEMBERS' FINANCIAL WELL-BEING.
IRS990/AdvertisingGrp/TotalAmt0179381
IRS990/AllOtherExpensesGrp/TotalAmt040048
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0THE CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum03034275005
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt05005 W 60th Ave
IRS990/BooksInCareOfDetail/USAddress/CityNm0ARVADA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd080003
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd01
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02934430
IRS990/CashNonInterestBearingGrp/EOYAmt02941904
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt011
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01792244
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt0163210
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0755100
IRS990/ContractorCompensationGrp/CompensationAmt1447843
IRS990/ContractorCompensationGrp/CompensationAmt2279200
IRS990/ContractorCompensationGrp/CompensationAmt3263644
IRS990/ContractorCompensationGrp/CompensationAmt4240265
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt09692 Haven Avenue
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1209 E GORDON AVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt23768 EUREKA WAY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt313785 RESEARCH BLVD STE 150
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt4PO BOX 211599
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0RANCHO CUCAMONGA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1LAYTON
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2FREDERICK
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3AUSTIN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4DENVER
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1UT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2CO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4CO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd091730
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd184041
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd2805169447
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd378750
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd480221
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CO-OP FINANCIAL SERVICES INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1CU PRODIGY - CORE
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2B&M ROOFING
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3Q2 SOFTWARE INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4PREMIER RECOVER
IRS990/ContractorCompensationGrp/ServicesDesc0ATM NETWORK SERVICE PROVIDER
IRS990/ContractorCompensationGrp/ServicesDesc1DATA PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc2ROOFING CONTRACTOR
IRS990/ContractorCompensationGrp/ServicesDesc3EBANKING SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc4COLLECTION SERVICES
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01409604
IRS990/CYOtherExpensesAmt09686518
IRS990/CYOtherRevenueAmt033264
IRS990/CYProgramServiceRevenueAmt017346408
IRS990/CYRevenuesLessExpensesAmt02419594
IRS990/CYSalariesCompEmpBnftPaidAmt06683164
IRS990/CYTotalExpensesAmt016369682
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt018789276
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0848436
IRS990/Desc0THE CREDIT UNION IS OWNED BY APPROXIMATELY 35,500 MEMBERS. THE CREDIT UNION PROVIDES FINANCIAL SERVICES TO ITS MEMBERS. SOME OF THESE SERVICES INCLUDE CONSUMER LENDING, MORTGAGE LENDING, CHECKING AND SAVINGS ACCOUNTS, AND SHARE CERTIFICATES. THE CREDIT UNION ALSO OFFERS ATM, DEBIT AND CREDIT CARDS, IN ADDITION TO OTHER FINANCIAL SERVICES.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0142
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0113782
IRS990/FeesForServicesLegalGrp/TotalAmt013670
IRS990/FeesForServicesOtherGrp/TotalAmt0339544
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form1098CFiledInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form8899Filedind00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt03.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt13.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt23.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt33.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt43.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt53.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt63.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt73.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt83.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2240.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd11X
IRS990/Form990PartVIISectionAGrp/OfficerInd12X
IRS990/Form990PartVIISectionAGrp/OfficerInd13X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt987375
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10216811
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1112516
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1213303
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt136554
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt144042
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1510568
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1613860
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1710675
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1810325
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt199796
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2014840
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt213173
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt22481
IRS990/Form990PartVIISectionAGrp/PersonNm0DONETTA DAVIDSON
IRS990/Form990PartVIISectionAGrp/PersonNm1DAN BIGANDT
IRS990/Form990PartVIISectionAGrp/PersonNm2JOHN BODNAR
IRS990/Form990PartVIISectionAGrp/PersonNm3TONY DAYMIL
IRS990/Form990PartVIISectionAGrp/PersonNm4TONY DILORIO
IRS990/Form990PartVIISectionAGrp/PersonNm5FLOSSIE O'LEARY
IRS990/Form990PartVIISectionAGrp/PersonNm6BOB BRUHN
IRS990/Form990PartVIISectionAGrp/PersonNm7ADAM WILLIAMSON
IRS990/Form990PartVIISectionAGrp/PersonNm8DALE RUTT
IRS990/Form990PartVIISectionAGrp/PersonNm9DAN KESTER
IRS990/Form990PartVIISectionAGrp/PersonNm10DARRELL MANN
IRS990/Form990PartVIISectionAGrp/PersonNm11CARRIE LANGGARD
IRS990/Form990PartVIISectionAGrp/PersonNm12MIKE LITZAU
IRS990/Form990PartVIISectionAGrp/PersonNm13RON NENNICH
IRS990/Form990PartVIISectionAGrp/PersonNm14YANNICK LEROLLAND
IRS990/Form990PartVIISectionAGrp/PersonNm15DONNA OGOREK
IRS990/Form990PartVIISectionAGrp/PersonNm16JOHN PURCELL
IRS990/Form990PartVIISectionAGrp/PersonNm17SHAUNA SANSOTTA
IRS990/Form990PartVIISectionAGrp/PersonNm18TERRI RHOADES
IRS990/Form990PartVIISectionAGrp/PersonNm19DOMENIC SANSOTTA
IRS990/Form990PartVIISectionAGrp/PersonNm20GARY ROBBINS
IRS990/Form990PartVIISectionAGrp/PersonNm21JOSH HENDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm22AMANDA KOBZA
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9393795
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10348923
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11151339
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12140007
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1365349
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1452844
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15108298
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16106774
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1799760
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1891637
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1975688
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2068700
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2160106
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2229024
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR EMERITUS
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO/PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP OF CORPORATE
IRS990/Form990PartVIISectionAGrp/TitleTxt13AVP OF ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt18AVP BUSINESS SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR OF COMMUNICATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt20SR VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP FINANCE
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01951
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0138716
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt014939832
IRS990/GrossReceiptsAmt033590392
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0504444
IRS990/InsuranceGrp/TotalAmt0102289
IRS990/InterestGrp/TotalAmt01461
IRS990/InvestmentIncomeGrp/ExclusionAmt01270888
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01270888
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt06192874
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0342400
IRS990/InvestmentsProgramRelatedGrp/EOYAmt03561582
IRS990/InvestmentsPubTradedSecGrp/BOYAmt047482910
IRS990/InvestmentsPubTradedSecGrp/EOYAmt043505951
IRS990/IRPDocumentCnt06482
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05133164
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011571141
IRS990/LandBldgEquipBasisNetGrp/EOYAmt011280083
IRS990/LandBldgEquipCostOrOtherBssAmt016413247
IRS990/LegalDomicileStateCd0CO
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt014801116
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO IMPROVE OUR COMMUNITIES' QUALITY OF LIFE BY ENHANCING OUR MEMBERS' FINANCIAL WELL-BEING.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt05000000
IRS990/NetAssetsOrFundBalancesBOYAmt036884544
IRS990/NetAssetsOrFundBalancesEOYAmt039161039
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0138716
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0138716
IRS990/NetUnrelatedBusTxblIncmAmt0-3024
IRS990/NetUnrlzdGainsLossesInvstAmt0-143099
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0495640
IRS990/OfficeExpensesGrp/TotalAmt02830692
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05968821
IRS990/OtherAssetsTotalGrp/EOYAmt011923508
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0565677
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1INTEREST AND DIVIDENDS
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS OTHER EXP
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt02342004
IRS990/OtherExpensesGrp/TotalAmt11115579
IRS990/OtherExpensesGrp/TotalAmt2340074
IRS990/OtherExpensesGrp/TotalAmt3256264
IRS990/OtherLiabilitiesGrp/BOYAmt0299866440
IRS990/OtherLiabilitiesGrp/EOYAmt0310979983
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0NON-MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt033264
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt033264
IRS990/OtherRevenueTotalAmt033264
IRS990/OtherSalariesAndWagesGrp/TotalAmt03524748
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0236769790
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0276973511
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0384961
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt06234401
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt06234401
IRS990/PensionPlanContributionsGrp/TotalAmt0415534
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0658249
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0669960
IRS990/PrincipalOfficerNm0DANIEL KESTER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS TO MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012300838
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12772082
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22273488
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012300838
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12772082
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22273488
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01293330
IRS990/PYOtherExpensesAmt010336839
IRS990/PYOtherRevenueAmt04269
IRS990/PYProgramServiceRevenueAmt015883234
IRS990/PYRevenuesLessExpensesAmt0440711
IRS990/PYSalariesCompEmpBnftPaidAmt06403283
IRS990/PYTotalExpensesAmt016740122
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt017180833
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt02419594
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$360,333,288
Liabilities
$321,172,249
Net assets
$39,161,039
Revenue
$18,789,276
Expenses
$16,369,682
Net income
$2,419,594
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$659$585$73.5$50.6$45.5$5.07
2023Detailed filing. Detailed filing data is available for this year.$665$596$68.5$42.6$34.8$7.81
2022Detailed filing. Detailed filing data is available for this year.$632$571$60.8$32.9$23.7$9.17
2021Detailed filing. Detailed filing data is available for this year.$541$487$54.9$25.5$19.5$6.06
2020Detailed filing. Detailed filing data is available for this year.$477$428$49.3$22.1$19.6$2.43
2019Detailed filing. Detailed filing data is available for this year.$414$368$46.2$22.6$19.3$3.34
2018Detailed filing. Detailed filing data is available for this year.$388$346$41.8$20.2$16.9$3.30
2017Detailed filing. Detailed filing data is available for this year.$360$321$39.2$18.8$16.4$2.42
2016Detailed filing. Detailed filing data is available for this year.$341$304$36.9$17.2$16.7$0.44
2015Detailed filing. Detailed filing data is available for this year.$318$281$37.1$16.1$15.4$0.70
2014Detailed filing. Detailed filing data is available for this year.$297$260$37.4$13.7$13.2$0.59
2013Detailed filing. Detailed filing data is available for this year.$276$241$35.8$13.6$12.1$1.43
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$266$231$34.7$11.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$246$213$33.0$12.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$234$202$31.8$13.6