Civic Intelligence

270 Elevations Credit Union

990 • Fiscal year 2018 • EIN 84-0459116

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 05, 2019

Organization ProfileWWW.ELEVATIONSCU.COM

View Organization Page

PO Box 9004Boulder, CO 80301-9004

(303) 443-4672

Siviq Scores

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

Liabilities / Assets

50th percentile

0.89x

Higher debt load relative to assets than 50% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Liabilities / Revenue

18th percentile

15.21x

Higher debt load relative to revenue than 18% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Net Margin

13th percentile

13%

Higher net margin than 13% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Top Officer Pay

58th percentile

$917,065

Higher top officer pay than 58% of similar nonprofits.

Top officer pay equals 0.7% of source-year revenue.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Asset Growth

53rd percentile

6.6%

Faster asset growth than 53% of similar nonprofits.

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

Revenue Growth

8th percentile

7.7%

Faster revenue growth than 8% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$2,088,986,456

Up $128,684,582 (+6.6%) from 2017

Net Assets

Up

$219,987,823

Up $14,768,230 (+7.2%) from 2017

Liabilities

Up

$1,868,998,633

Up $113,916,352 (+6.5%) from 2017

Revenue And Expenses
Liabilities / Revenue18th percentileNet Margin13th percentile

Revenue

Up

$122,875,102

Up $8,781,759 (+7.7%) from 2017

Expenses

Up

$107,449,264

Up $17,674,106 (+20%) from 2017

Net Income

Down

$15,425,838

Down $8,892,347 (-37%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth53rd percentile

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

$4.0B$3.0B$2.0B$1.0B$0Assets 2010: $970,641,113Liabilities 2010: $887,370,237Net Assets 2010: $83,270,8762010Assets 2011: $1,143,995,462Liabilities 2011: $1,038,834,956Net Assets 2011: $105,160,5062011Assets 2012: $1,285,023,241Liabilities 2012: $1,166,771,498Net Assets 2012: $118,251,7432012Assets 2013: $1,365,989,525Liabilities 2013: $1,241,528,247Net Assets 2013: $124,461,2782013Assets 2014: $1,459,289,806Liabilities 2014: $1,317,827,123Net Assets 2014: $141,462,6832014Assets 2015: $1,625,576,706Liabilities 2015: $1,469,132,789Net Assets 2015: $156,443,9172015Assets 2016: $1,795,289,631Liabilities 2016: $1,613,658,121Net Assets 2016: $181,631,5102016Assets 2017: $1,960,301,874Liabilities 2017: $1,755,082,281Net Assets 2017: $205,219,5932017Assets 2018: $2,088,986,456Liabilities 2018: $1,868,998,633Net Assets 2018: $219,987,8232018Assets 2019: $2,213,511,736Liabilities 2019: $1,964,374,677Net Assets 2019: $249,137,0592019Assets 2020: $2,810,808,888Liabilities 2020: $2,524,001,976Net Assets 2020: $286,806,9122020Assets 2021: $3,242,277,853Liabilities 2021: $2,940,986,688Net Assets 2021: $301,291,1652021Assets 2022: $3,294,550,654Liabilities 2022: $3,011,449,917Net Assets 2022: $283,100,7372022Assets 2023: $3,409,369,591Liabilities 2023: $3,100,121,847Net Assets 2023: $309,247,7442023Assets 2024: $3,379,866,092Liabilities 2024: $3,030,073,721Net Assets 2024: $349,792,3712024

Highlighted filing

2018

Assets$2,088,986,456
Liabilities$1,868,998,633
Net Assets$219,987,823
Open 2018 Filing

Operations Trend

Revenue Growth8th percentile

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

$300M$200M$100M$0Expenses 2010: $45,914,5842010Expenses 2011: $47,650,5342011Expenses 2012: $57,792,5402012Revenue 2013: $69,650,682Expenses 2013: $60,300,879Net Income 2013: $9,349,8032013Revenue 2014: $71,844,807Expenses 2014: $60,177,361Net Income 2014: $11,667,4462014Revenue 2015: $89,638,435Expenses 2015: $72,336,540Net Income 2015: $17,301,8952015Revenue 2016: $112,141,702Expenses 2016: $86,112,945Net Income 2016: $26,028,7572016Revenue 2017: $114,093,343Expenses 2017: $89,775,158Net Income 2017: $24,318,1852017Revenue 2018: $122,875,102Expenses 2018: $107,449,264Net Income 2018: $15,425,8382018Revenue 2019: $149,375,954Expenses 2019: $121,822,203Net Income 2019: $27,553,7512019Revenue 2020: $188,618,254Expenses 2020: $151,737,633Net Income 2020: $36,880,6212020Revenue 2021: $154,912,251Expenses 2021: $139,211,740Net Income 2021: $15,700,5112021Revenue 2022: $140,790,639Expenses 2022: $130,005,373Net Income 2022: $10,785,2662022Revenue 2023: $190,500,369Expenses 2023: $162,885,622Net Income 2023: $27,614,7472023Revenue 2024: $216,356,677Expenses 2024: $181,994,947Net Income 2024: $34,361,7302024

Highlighted filing

2018

Revenue$122,875,102
Expenses$107,449,264
Net Income$15,425,838
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 5, 2019
Return Version
2018v3.1
Gross Receipts
$1,020,985,989
Mission and Program Overview

Mission

We provide solutions for a better life.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,443,036,438$1,503,047,121▲ $60,010,683
Rtn Earn Endowment Incm Other Fnds$193,339,872$208,108,102▲ $14,768,230
Savings and Temporary Cash Investments$202,633,863$198,410,212▼ $4,223,651
Investments Other Securities$552,300$197,808,021▲ $197,255,721
Investments in Publicly Traded Securities$169,775,292--
Land, Buildings, and Equipment, Net$49,119,103$67,017,340▲ $17,898,237
Cash and Non-Interest-Bearing Accounts$11,477,107$13,070,222▲ $1,593,115
Pd in Cap Srpls Land Bldg Eqp Fund$11,879,721$11,879,721→ $0
Intangible Assets$5,658,521$5,652,582▼ $5,939
Prepaid Expenses and Deferred Charges$2,494,905$3,223,790▲ $728,885
Receivables From Officers Etc$3,704,965$2,123,071▼ $1,581,894
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,960,301,874$2,088,986,456▲ $128,684,582
Other Assets Total$71,849,380$98,634,097▲ $26,784,717
Liabilities
Other Liabilities$1,685,724,286$1,795,207,916▲ $109,483,630
Accounts Payable and Accrued Expenses$38,875,245$37,138,184▼ $1,737,061
Escrow Account Liability$30,482,750$36,652,533▲ $6,169,783
Total Liabilities$1,755,082,281$1,868,998,633▲ $113,916,352
Net Assets / Fund Balance
Total Net Assets Fund Balance$205,219,593$219,987,823▲ $14,768,230
Total Liabilities and Net Assets / Fund Balance$1,960,301,874$2,088,986,456▲ $128,684,582

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$29,115,648$8,792,854$37,908,502
Equipment$10,477,208$23,589,817$34,067,025
Other Land Buildings$13,315,273-$13,315,273
Land$12,484,845-$12,484,845
Leasehold Improvements$1,624,366$3,763,754$5,388,120
Other Securities$197,808,021--
Compensation and Service Providers
Top Officer Pay58th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gerry AgnesPresident/CEOFT$614,131$302,934$917,065
Cameron White-fordMortgage Sales MaangerFT$42,127$807,534$849,661
Todd PeyokVP Commercial LendingFT$199,703$646,115$845,818
Elizabeth MillionVP Mortgage SalesFT$115,270$631,659$746,929
Aaron StauferMortgage Loan OriginatorFT$634,501$653,018$653,018
Michael CalcoteChief Financial OfficerFT$379,652$186,673$566,325
Raymond LindleyChief Operating OfficerFT$238,560$292,719$531,279
James ChampionCOOFT$340,291$183,663$523,954
James PerkinsMortgage Loan OriginatorFT$444,144$470,555$470,555
Pierre DupreChief Information OfficerFT$311,944$133,993$445,937
Brian HolstGeneral CounselFT$292,427$93,740$386,167
Steven SchmidleCspoFT$192,089$88,816$280,905
Susan GreenCMOFT$198,468$71,754$270,222
Tammy TaylorChief Human Resource OfficerFT$140,728$4,234$144,962
Nancy HerbertBoard of Directors - ChairPT$40,813-$40,813
Eric JonesBoard of Directors - TreasurerPT$35,326$1,877$37,203
Jim MenghiBoard of DirectorsPT$36,986-$36,986
Don CheyneBoard of DirectorsPT$36,953-$36,953
Kate BrownBoard of Directors - VicePT$36,236-$36,236
Todd GleesonBoard of DirectorsPT$34,550-$34,550
Ray MartinezBoard of Directors - SecretaryPT$30,000$4,337$34,337
Carroll BeachBoard of DirectorsPT$32,930-$32,930
Katie CowanBoard of DirectorsPT$31,725-$31,725
Natalie BaumgartnerBoard of DirectorsPT$30,000-$30,000

Highest Paid Contractors

ContractorServicesLocationCompensation
Neenan Company LLPConstruction3325 S TIMBERLINE STE 100, Fort Collins, CO 80525$11,592,666
Eon EnterprisesFurniture60 TEJON STREET, Denver, CO 80223$2,699,043
CoopDebit/credit Card Processor9692 HAVEN AVENUE, Rancho Cucamonga, CA 91730$2,105,682
DmiService 1st Mortgages1 CORPORATE DR ST 360, Lake Zurich, IL 60047$1,964,868
Diebold IncorporatedAtm Equipment And MaintenancePO BOX 643543, Pittsburgh, PA 15264$1,620,947
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$92,221,034
Investment Income
$27,488,665
Other Revenue
$3,165,403
Change in Net Assets
$15,425,838
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$58,097,252
Other Expenses$49,123,804
Grants and Similar Amounts Paid$228,208
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$44,452,893
Office Expenses---$16,624,041
Advertising---$5,438,519
Other Employee Benefits---$4,701,633
Current Officers, Directors, Trustees, and Key Employees---$4,418,499
Fees for Services Other---$4,222,506
Depreciation Depletion---$4,107,932
Payroll Taxes---$3,174,966
Pension Plan Contributions---$1,349,261
Conferences and Meetings---$1,061,519
Occupancy---$1,033,545
Other Expenses---$572,639
Fees for Services Accounting---$377,276
Insurance---$372,168
Information Technology---$256,419
Grants to Domestic Orgs---$228,208
Fees for Services Legal---$148,880
Total Functional Expenses$0$0$0$107,449,264
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Elevations FoundationBoulder, CO501(c)(3)Support Scholarships, Etc.$113,440
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
-Foundation Board Consists of Credit Union Management and DirectorsContribution From Credit Union TofoundationNo$228,208

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$3,704,965$2,123,071▼ $1,581,894
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$552,577,883
Share Draft Accounts$520,376,372
Money Market Accounts$495,480,120
Certificates$89,779,907
Deposits$70,761,309
Ira Shares$66,232,325
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Elevations credit union is a member-owned cooperative operated for the benefit of individuals living or working in the counties of adams, boulder, broomfield, denver, jefferson, larimer and weld counties, employees, retirees or students of the university of colorado-boulder or naropa university, various select employee groups and their families.”

Form 990, Part VI, Section A, Line 7A

“Members of the credit union have the right to elect one or more members of the organization's governing body, whether periodically, as vacancies arise or otherwise.”

Form 990, Part VI, Section A, Line 7B

“Various decisions made by the board of directors for a credit union are subject to approval by the members of the credit union as set forth in ncua rules and regulations and applicable state regulations.”

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

“The controller provides necessary research and data to the preparers of the form 990. The cfo reviews the form 990; the board of directors are also provided with a copy of the form 990 prior to filing.”

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

“A written acknowledgment is filled out each year by the officers, directors, and employees which could give rise to potential conflicts within the organization. Any potential issues are discussed with the key officers and those charged with governance for resolution.”

Form 990, Part VI, Section B, Line 15

“Human resources conducts a comprehensive compensation market analysis using three different resources for all employees with the exception of the ceo. An independent consultant is used to determine the ceo's compensation.”

Form 990, Part VI, Section C, Line 19

“Filing of 5300 call report data is available to the public at www.ncua.gov. Annual reports are available for viewing on the credit union's website. The governing documents and conflict of interest policy are not available to the public.”

Filing and Contact Details

Filer

Filer Name
Elevations Credit Union
EIN
84-0459116
Phone
3034434672
Address
PO BOX 9004, BOULDER, CO 80301-9004

Signing Officer

Name
Michael Calcote
Title
CFO
Phone
3034434672
Signed
2019-11-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gerry Agnes
Formed
1952
Legal Domicile
Co
Voting Board Members
10
Independent Board Members
10
Employees
643
Volunteers
0

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 2C

“Selection of the auditors and oversight of the auditors is done by the audit committee. There were no changes to the selection or oversight practices during 2018.”

Financial Statement Notes

PART IV, LINE 2B:

“An escrow account is maintained for the taxes and insurance payable on real estate securing the credit union's mortgage loans. The escrows maintained at the credit union for taxes and insurance payable include loans to fannie mae, freddie mac, federal home loan bank and other credit unions for which elevations credit union retains servicing. In addition, custodial accounts are also maintained on behalf of fannie mae and freddie mac for the taxes and insurance payable on the real estate securing the loans sold to fannie mae and freddie mac.”

PART X, LINE 2:

“Fasb asc 740-10-25 clarifies accounting for uncertainty in income taxes reported in the financial statements. The interpretation provides criteria for assessment of individual tax positions and a process for recognition and measurement of uncertain tax positions. Tax positions are evaluated on whether they meet the "more likely than not" standard for sustainability upon examination by tax authorities. As a result of adopting asc 740-10-25, the credit union has assessed its activities and any potential federal or state income tax liability and determined that the credit union has no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Additionally, no interest and penalties have been recorded in the accompanying financial statements related to uncertain tax positions. Currently, the 2017, 2016 and 2015 federal income tax returns are open for examination by the irs. The filing years open for examination by the state, if applicable, may be equal to, greater than or less than the years open for examination by the irs.”

Raw XML AppendixShowing 400 of 908 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/Desc0ELEVATIONS CREDIT UNION SERVES ADAMS, BOULDER, BROOMFIELD, DENVER,JEFFERSON, LARIMER AND WELD COUNTIES. THE CREDIT UNION OFFERS A FULLARRAY OF PRODUCTS AND SERVICES INCLUDING DEPOSITORY AND LOAN PRODUCTS,ATM/DEBIT PROGRAM, FINANCIAL EDUCATION, INSURANCE AND INVESTMENT SALES.WE ENDED THE YEAR WITH 137,066 MEMBERS AND 168,868 SHARE ACCOUNTS.THERE WERE 15,838 LOANS GRANTED TOTALING $1,378,677,943. ELEVATIONSCURRENTLY OFFERS THIRTEEN BRANCH LOCATIONS AND A WIDE ARRAY OF REMOTEOPTIONS THROUGH OUR COOPERATION WITH THE COOP ATM NETWORK, CUSN ANDONLINE BANKING OFFERINGS.
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1840.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2140.00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
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IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd10X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt34337
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1026166
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1127506
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1227192
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1319202
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt14217928
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1523238
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt164234
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1725835
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1818009
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1926660
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2018517
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2120850
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2227580
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2326411
IRS990/Form990PartVIISectionAGrp/PersonNm0NANCY HERBERT
IRS990/Form990PartVIISectionAGrp/PersonNm1KATE BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm2ERIC JONES
IRS990/Form990PartVIISectionAGrp/PersonNm3RAY MARTINEZ
IRS990/Form990PartVIISectionAGrp/PersonNm4NATALIE BAUMGARTNER
IRS990/Form990PartVIISectionAGrp/PersonNm5CARROLL BEACH
IRS990/Form990PartVIISectionAGrp/PersonNm6DON CHEYNE
IRS990/Form990PartVIISectionAGrp/PersonNm7KATIE COWAN
IRS990/Form990PartVIISectionAGrp/PersonNm8TODD GLEESON
IRS990/Form990PartVIISectionAGrp/PersonNm9JIM MENGHI
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IRS990/Form990PartVIISectionAGrp/PersonNm11MICHAEL CALCOTE
IRS990/Form990PartVIISectionAGrp/PersonNm12STEVEN SCHMIDLE
IRS990/Form990PartVIISectionAGrp/PersonNm13PIERRE DUPRE
IRS990/Form990PartVIISectionAGrp/PersonNm14RAYMOND LINDLEY
IRS990/Form990PartVIISectionAGrp/PersonNm15BRIAN HOLST
IRS990/Form990PartVIISectionAGrp/PersonNm16TAMMY TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm17JAMES CHAMPION
IRS990/Form990PartVIISectionAGrp/PersonNm18SUSAN GREEN
IRS990/Form990PartVIISectionAGrp/PersonNm19CAMERON WHITE-FORD
IRS990/Form990PartVIISectionAGrp/PersonNm20AARON STAUFER
IRS990/Form990PartVIISectionAGrp/PersonNm21ELIZABETH MILLION
IRS990/Form990PartVIISectionAGrp/PersonNm22TODD PEYOK
IRS990/Form990PartVIISectionAGrp/PersonNm23JAMES PERKINS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt040813
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt136236
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt235326
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt430000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt532930
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt834550
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt936986
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10890899
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11538819
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16140728
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17498119
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19823001
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20634501
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21726079
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22818238
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23444144
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
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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/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD OF DIRECTORS - CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD OF DIRECTORS - VICE
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD OF DIRECTORS - TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD OF DIRECTORS - SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CSPO
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15GENERAL COUNSEL
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF HUMAN RESOURCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17COO
IRS990/Form990PartVIISectionAGrp/TitleTxt18CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt19MORTGAGE SALES MAANGER
IRS990/Form990PartVIISectionAGrp/TitleTxt20MORTGAGE LOAN ORIGINATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP MORTGAGE SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP COMMERCIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt23MORTGAGE LOAN ORIGINATOR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt020099909
IRS990/GainOrLossGrp/SecuritiesAmt033984
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0228208
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0916663507
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt033984
IRS990/GrossReceiptsAmt01020985989
IRS990/GrossRentsGrp/RealAmt0433403
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt014
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0256419
IRS990/InsuranceGrp/TotalAmt0372168
IRS990/IntangibleAssetsGrp/BOYAmt05658521
IRS990/IntangibleAssetsGrp/EOYAmt05652582
IRS990/InvestmentIncomeGrp/ExclusionAmt07354772
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt07354772
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0552300
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0197808021
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0169775292
IRS990/IRPDocumentCnt041184
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt036146425
IRS990/LandBldgEquipBasisNetGrp/BOYAmt049119103
IRS990/LandBldgEquipBasisNetGrp/EOYAmt067017340
IRS990/LandBldgEquipCostOrOtherBssAmt0103163765
IRS990/LegalDomicileStateCd0CO
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0896563598
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/RealAmt01547289
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE PROVIDE SOLUTIONS FOR A BETTER LIFE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0205219593
IRS990/NetAssetsOrFundBalancesEOYAmt0219987823
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt020133893
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt020133893
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0-1113886
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-1113886
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-657608
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01033545
IRS990/OfficeExpensesGrp/TotalAmt016624041
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt098634097
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt04701633
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2INTEREST/DIVIDENDS PAID
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt08041075
IRS990/OtherExpensesGrp/TotalAmt13777347
IRS990/OtherExpensesGrp/TotalAmt23089938
IRS990/OtherExpensesGrp/TotalAmt3572639
IRS990/OtherLiabilitiesGrp/BOYAmt01685724286
IRS990/OtherLiabilitiesGrp/EOYAmt01795207916
IRS990/OtherOrganizationDsc0CREDIT UNION
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IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
IRS990/OtherRevenueMiscGrp/Desc1NON-MEMBER ATM FEES
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt04213182
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt166107
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt066107
IRS990/OtherRevenueTotalAmt04279289
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01443036438
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01503047121
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt03174966
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt011879721
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt011879721
IRS990/PensionPlanContributionsGrp/TotalAmt01349261
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02494905
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03223790
IRS990/PrincipalOfficerNm0GERRY AGNES
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
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IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOAN TO MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc1INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES AND SERVICE CHARGES
IRS990/ProgramServiceRevenueGrp/Desc3OTHER NON-OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt068267822
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt113321666
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt27617114
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt33014432
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt068267822

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$2,088,986,456
Liabilities
$1,868,998,633
Net assets
$219,987,823
Revenue
$122,875,102
Expenses
$107,449,264
Net income
$15,425,838
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3,380$3,030$350$216$182$34.4
2023Detailed filing. Detailed filing data is available for this year.$3,409$3,100$309$191$163$27.6
2022Detailed filing. Detailed filing data is available for this year.$3,295$3,011$283$141$130$10.8
2021Detailed filing. Detailed filing data is available for this year.$3,242$2,941$301$155$139$15.7
2020Detailed filing. Detailed filing data is available for this year.$2,811$2,524$287$189$152$36.9
2019Detailed filing. Detailed filing data is available for this year.$2,214$1,964$249$149$122$27.6
2018Detailed filing. Detailed filing data is available for this year.$2,089$1,869$220$123$107$15.4
2017Detailed filing. Detailed filing data is available for this year.$1,960$1,755$205$114$89.8$24.3
2016Detailed filing. Detailed filing data is available for this year.$1,795$1,614$182$112$86.1$26.0
2015Detailed filing. Detailed filing data is available for this year.$1,626$1,469$156$89.6$72.3$17.3
2014Detailed filing. Detailed filing data is available for this year.$1,459$1,318$141$71.8$60.2$11.7
2013Detailed filing. Detailed filing data is available for this year.$1,366$1,242$124$69.7$60.3$9.35
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,285$1,167$118$57.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,144$1,039$105$47.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$971$887$83.3$45.9