Civic Intelligence

Sooper Credit Union DBA Climb Credit Union

990 • Fiscal year 2018 • EIN 84-0419976

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 14, 2019

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

52nd percentile

0.89x

Higher debt load relative to assets than 52% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

55th percentile

17.16x

Higher debt load relative to revenue than 55% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

60th percentile

16%

Higher net margin than 60% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

35th percentile

$356,749

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

78th percentile

7.7%

Faster asset growth than 78% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

30th percentile

7.4%

Faster revenue growth than 30% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Up

$388,076,989

Up $27,743,701 (+7.7%) from 2017

Net Assets

Up

$41,774,114

Up $2,613,075 (+6.7%) from 2017

Liabilities

Up

$346,302,875

Up $25,130,626 (+7.8%) from 2017

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin60th percentile

Revenue

Up

$20,177,076

Up $1,387,800 (+7.4%) from 2017

Expenses

Up

$16,876,573

Up $506,891 (+3.1%) from 2017

Net Income

Up

$3,300,503

Up $880,909 (+36%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth78th 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

2018

Assets$388,076,989
Liabilities$346,302,875
Net Assets$41,774,114
Open 2018 Filing

Operations Trend

Revenue Growth30th 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

2018

Revenue$20,177,076
Expenses$16,876,573
Net Income$3,300,503
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 14, 2019
Return Version
2018v3.1
Gross Receipts
$25,177,076
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$276,973,511$299,083,091▲ $22,109,580
Rtn Earn Endowment Incm Other Fnds$32,926,638$35,539,713▲ $2,613,075
Investments in Publicly Traded Securities$43,505,951$31,287,437▼ $12,218,514
Savings and Temporary Cash Investments$7,365,772$24,391,172▲ $17,025,400
Land, Buildings, and Equipment, Net$11,280,083$9,914,762▼ $1,365,321
Pd in Cap Srpls Land Bldg Eqp Fund$6,234,401$6,234,401→ $0
Investments Program Related$3,561,582$3,854,626▲ $293,044
Cash and Non-Interest-Bearing Accounts$2,941,904$3,481,534▲ $539,630
Accounts Receivable$1,768,617$1,344,753▼ $423,864
Prepaid Expenses and Deferred Charges$669,960$727,399▲ $57,439
Investments Other Securities$342,400$410,400▲ $68,000
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$360,333,288$388,076,989▲ $27,743,701
Other Assets Total$11,923,508$13,581,815▲ $1,658,307
Liabilities
Other Liabilities$310,979,983$343,452,719▲ $32,472,736
Mortgage Notes Payable Secured by Investment Property$5,000,000--
Accounts Payable and Accrued Expenses$5,192,266$2,850,156▼ $2,342,110
Total Liabilities$321,172,249$346,302,875▲ $25,130,626
Net Assets / Fund Balance
Total Net Assets Fund Balance$39,161,039$41,774,114▲ $2,613,075
Total Liabilities and Net Assets / Fund Balance$360,333,288$388,076,989▲ $27,743,701

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,480,730$4,107,094$11,587,824
Equipment$1,098,688$1,883,670$2,982,358
Land$1,335,344-$1,335,344
Compensation and Service Providers
Top Officer Pay35th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Daniel KesterCEO/presidentFT$297,794$58,955$356,749
Darrell MannEvpFT$160,008$34,209$194,217
Carrie LanggardChief Financial OfficerFT$142,566$30,048$172,614
C Michael LitzauEvp of CorporateFT$125,246$28,910$154,156
Gary RobbinsSr VP of LendingFT$105,103$18,807$123,910
Josh HendersonVP ItFT$100,074$18,761$118,835
Shauna SansottaVP OperationsFT$99,629$11,287$110,916
Terri RhoadesVP Business ServicesFT$94,544$10,853$105,397
Amanda KobzaVP FinanceFT$93,883$10,438$104,321
John PurcellVP LendingFT$84,667$14,134$98,801
Domenic SansottaDirector of CommunicationsFT$75,405$10,180$85,585
Angela WebbVP MarketingFT$76,428$3,898$80,326
Donna OgorekVP MarketingFT$47,895$3,475$51,370

Board Members and Trustees

NameTitle
Donetta DavidsonChairperson
Adam WilliamsonVice Chair
Bob BruhnDirector
Dan BigandtDirector
FLOSSIE O'LEARYDirector
Sonia AdameDirector
Tony DilorioDirector
John BodnarSecretary
Tony DaymilTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu Prodigy-coreData Processor209 E GORDON AVE, Layton, UT 84041$443,963
Q2 Software INCE-banking Services13785 RESEARCH BLVD SUITE 150, Austin, TX 78750$296,275
CulaProvides Auto Leasing Platform For Credi3111 CAMINO DEL RIO N STE 203, San Diego, CA 92108$270,410
Output Services INCProvides Statements And Other Reporting6410 ODELL PLACE, Boulder, CO 80301$227,724
DieboldnixdorfCredit Union's Atm And Drive Up Service15761 E CENTRETECH PKWY, Aurora, CO 80011$202,929
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$19,290,662
Investment Income
$860,236
Other Revenue
$26,178
Change in Net Assets
$3,300,503
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,980,356
Salaries, Compensation, and Employee Benefits$6,896,217
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,660,038
Office Expenses---$2,925,365
Current Officers, Directors, Trustees, and Key Employees---$1,831,012
Occupancy---$951,303
Depreciation Depletion---$835,521
Other Employee Benefits---$535,364
Pension Plan Contributions---$476,371
Payroll Taxes---$393,432
Fees for Services Other---$347,205
Other Expenses---$290,764
Advertising---$211,418
Travel---$146,776
Fees for Services Accounting---$117,284
Insurance---$112,195
Interest---$77,304
All Other Expenses---$35,755
Conferences and Meetings---$18,003
Fees for Services Legal---$2,418
Total Functional Expenses$0$0$0$16,876,573
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$443,963
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposit Accounts$343,452,719
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
2019-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Daniel Kester
Formed
1951
Legal Domicile
Co
Voting Board Members
9
Independent Board Members
9
Employees
127
Volunteers
14

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 XII, LINE 2:

“The credit union receives audited financial statements prepared in accordance with generally accepted accounting principles. The audit is conducted, however, on the credit union's september 30, 2018 and 2017 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 12/31/18 financial statements were not audited.”

FORM 990, 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 2018.”

Raw XML AppendixShowing 400 of 589 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/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt918978
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1014409
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1113548
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1212909
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt133475
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1414134
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1511287
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1610853
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1710180
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1818807
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1918761
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2010438
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt213898
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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/PersonNm8SONIA ADAME
IRS990/Form990PartVIISectionAGrp/PersonNm9DANIEL KESTER
IRS990/Form990PartVIISectionAGrp/PersonNm10DARRELL MANN
IRS990/Form990PartVIISectionAGrp/PersonNm11CARRIE LANGGARD
IRS990/Form990PartVIISectionAGrp/PersonNm12C MICHAEL LITZAU
IRS990/Form990PartVIISectionAGrp/PersonNm13DONNA OGOREK
IRS990/Form990PartVIISectionAGrp/PersonNm14JOHN PURCELL
IRS990/Form990PartVIISectionAGrp/PersonNm15SHAUNA SANSOTTA
IRS990/Form990PartVIISectionAGrp/PersonNm16TERRI RHOADES
IRS990/Form990PartVIISectionAGrp/PersonNm17DOMENIC SANSOTTA
IRS990/Form990PartVIISectionAGrp/PersonNm18GARY ROBBINS
IRS990/Form990PartVIISectionAGrp/PersonNm19JOSH HENDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm20AMANDA KOBZA
IRS990/Form990PartVIISectionAGrp/PersonNm21ANGELA WEBB
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/ReportableCompFromOrgAmt9337771
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10179808
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11159066
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12141247
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1347895
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1484667
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1599629
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1694544
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1775405
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18105103
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19100074
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2093883
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2176428
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/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO/PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP OF CORPORATE
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP BUSINESS SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR OF COMMUNICATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt18SR VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP MARKETING
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01951
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0-59500
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt04940500
IRS990/GrossReceiptsAmt025177076
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt0112195
IRS990/InterestGrp/TotalAmt077304
IRS990/InvestmentIncomeGrp/ExclusionAmt0919736
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0919736
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0342400
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0410400
IRS990/InvestmentsProgramRelatedGrp/BOYAmt03561582
IRS990/InvestmentsProgramRelatedGrp/EOYAmt03854626
IRS990/InvestmentsPubTradedSecGrp/BOYAmt043505951
IRS990/InvestmentsPubTradedSecGrp/EOYAmt031287437
IRS990/IRPDocumentCnt07535
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05990764
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011280083
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09914762
IRS990/LandBldgEquipCostOrOtherBssAmt015905526
IRS990/LegalDomicileStateCd0CO
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt05000000
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/BOYAmt05000000
IRS990/NetAssetsOrFundBalancesBOYAmt039161039
IRS990/NetAssetsOrFundBalancesEOYAmt041774114
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-59500
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-59500
IRS990/NetUnrelatedBusTxblIncmAmt0-1749
IRS990/NetUnrlzdGainsLossesInvstAmt0-687428
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0951303
IRS990/OfficeExpensesGrp/TotalAmt02925365
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt011923508
IRS990/OtherAssetsTotalGrp/EOYAmt013581815
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0535364
IRS990/OtherExpensesGrp/Desc0INTEREST AND DIVIDENDS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS OTHER EXP
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/TotalAmt01846395
IRS990/OtherExpensesGrp/TotalAmt11738368
IRS990/OtherExpensesGrp/TotalAmt2324282
IRS990/OtherExpensesGrp/TotalAmt3290764
IRS990/OtherLiabilitiesGrp/BOYAmt0310979983
IRS990/OtherLiabilitiesGrp/EOYAmt0343452719
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0NON-MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt026178
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt026178
IRS990/OtherRevenueTotalAmt026178
IRS990/OtherSalariesAndWagesGrp/TotalAmt03660038
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0276973511
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0299083091
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0393432
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt06234401
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt06234401
IRS990/PensionPlanContributionsGrp/TotalAmt0476371
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0669960
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0727399
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/RelatedOrExemptFuncIncomeAmt014369078
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12572775
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22348809
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt014369078
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12572775
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22348809
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01409604
IRS990/PYOtherExpensesAmt09686518
IRS990/PYOtherRevenueAmt033264
IRS990/PYProgramServiceRevenueAmt017346408
IRS990/PYRevenuesLessExpensesAmt02419594
IRS990/PYSalariesCompEmpBnftPaidAmt06683164
IRS990/PYTotalExpensesAmt016369682
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt018789276
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt03300503
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt032926638
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt035539713
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07365772
IRS990/SavingsAndTempCashInvstGrp/EOYAmt024391172
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt07480730
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04107094

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$388,076,989
Liabilities
$346,302,875
Net assets
$41,774,114
Revenue
$20,177,076
Expenses
$16,876,573
Net income
$3,300,503
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