Civic Intelligence

270 Elevations Credit Union

990 • Fiscal year 2019 • EIN 84-0459116

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 01, 2020

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

43rd percentile

0.89x

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

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Liabilities / Revenue

7th percentile

13.15x

Higher debt load relative to revenue than 7% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Net Margin

60th percentile

18%

Higher net margin than 60% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Top Officer Pay

81st percentile

$1,518,122

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 1.0% of source-year revenue.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Asset Growth

34th percentile

6.0%

Faster asset growth than 34% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Revenue Growth

94th percentile

22%

Faster revenue growth than 94% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Assets

Up

$2,213,511,736

Up $124,525,280 (+6.0%) from 2018

Net Assets

Up

$249,137,059

Up $29,149,236 (+13%) from 2018

Liabilities

Up

$1,964,374,677

Up $95,376,044 (+5.1%) from 2018

Revenue

Up

$149,375,954

Up $26,500,852 (+22%) from 2018

Expenses

Up

$121,822,203

Up $14,372,939 (+13%) from 2018

Net Income

Up

$27,553,751

Up $12,127,913 (+79%) from 2018

Historical Trend

Balance Sheet Trend

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

2019

Assets$2,213,511,736
Liabilities$1,964,374,677
Net Assets$249,137,059

Operations Trend

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

2019

Revenue$149,375,954
Expenses$121,822,203
Net Income$27,553,751
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 1, 2020
Return Version
2019v5.1
Gross Receipts
$156,449,230
Mission and Program Overview

Mission

We provide solutions for a better life.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,503,047,121$1,575,888,517▲ $72,841,396
Savings and Temporary Cash Investments$198,410,212$248,141,584▲ $49,731,372
Rtn Earn Endowment Incm Other Fnds$208,108,102$237,257,338▲ $29,149,236
Investments Other Securities$197,808,021$158,118,250▼ $39,689,771
Land, Buildings, and Equipment, Net$67,017,340$66,594,016▼ $423,324
Cash and Non-Interest-Bearing Accounts$13,070,222$13,770,630▲ $700,408
Pd in Cap Srpls Land Bldg Eqp Fund$11,879,721$11,879,721→ $0
Intangible Assets$5,652,582$5,652,582→ $0
Prepaid Expenses and Deferred Charges$3,223,790$2,626,190▼ $597,600
Receivables From Officers Etc$2,123,071$1,917,262▼ $205,809
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,088,986,456$2,213,511,736▲ $124,525,280
Other Assets Total$98,634,097$140,802,705▲ $42,168,608
Liabilities
Other Liabilities$1,795,207,916$1,880,547,157▲ $85,339,241
Accounts Payable and Accrued Expenses$37,138,184$43,494,674▲ $6,356,490
Escrow Account Liability$36,652,533$40,332,846▲ $3,680,313
Total Liabilities$1,868,998,633$1,964,374,677▲ $95,376,044
Net Assets / Fund Balance
Total Net Assets Fund Balance$219,987,823$249,137,059▲ $29,149,236
Total Liabilities and Net Assets / Fund Balance$2,088,986,456$2,213,511,736▲ $124,525,280

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$32,174,582$8,145,795$40,320,377
Equipment$13,339,444$25,878,896$39,218,340
Land$10,876,832-$10,876,832
Other Land Buildings$8,902,781-$8,902,781
Leasehold Improvements$1,300,377$4,100,357$5,400,734
Other Assets Org$16,392,279--
Other Securities$158,118,250--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gerry AgnesPresident/CEOFT$654,803$863,319$1,518,122
Cameron White-fordMortgage Sales ManagerFT$43,590$1,037,416$1,081,006
Todd PeyokVP Commercial LendingFT$205,046$686,456$891,502
Elizabeth MillionVP Mortgage SalesFT$121,093$746,234$867,327
Aaron StauferMortgage Loan OriginatorFT$778,950$798,170$798,170
Michael CalcoteChief Financial OfficerFT$402,391$350,985$753,376
Lauri LarsonMortgage Loan OriginatorFT$596,715$615,461$615,461
Brian HolstGeneral CounselFT$347,144$253,798$600,942
Pierre DupreChief Information OfficerFT$338,830$198,808$537,638
Raymond LindleyChief Operating OfficerFT$333,701$200,460$534,161
Tammy TaylorChief Human Resource OfficerFT$327,066$172,141$499,207
Danielle QuatrochiCXO-6/1/19 Through 10/1/19FT$262,145$52,571$314,716
Peter ReicksCspoFT$210,875$64,970$275,845
Susan GreenCMO-through 5/31/19FT$95,701$136,125$231,826
Steven SchmidleCspo-through 4/5/19FT$98,685$9,365$108,050
Kate BrownBoard of Directors - ChairPT$48,519-$48,519
Nancy HerbertBoard of DirectorsPT$46,500-$46,500
Eric JonesBoard of Directors - TreasurerPT$39,697$1,877$41,574
Ray MartinezBoard of Directors - SecretaryPT$35,000$4,337$39,337
Carroll BeachBoard of DirectorsPT$38,809-$38,809
Don CheyneBoard of Directors - Vice ChairPT$37,824-$37,824
Natalie BaumgartnerBoard of DirectorsPT$37,293-$37,293
Katie CowanBoard of DirectorsPT$36,286-$36,286
Todd GleesonBoard of DirectorsPT$35,689-$35,689
Jim MenghiBoard of DirectorsPT$35,000-$35,000

Highest Paid Contractors

ContractorServicesLocationCompensation
Neenan Company LLPConstruction3325 S TIMBERLINE STE 100, Fort Collins, CO 80525$7,315,121
Cu Cooperative Systems INCCard Processing9692 HAVEN AVE, Rancho Cucamonga, CA 91730$2,341,798
Dovenmuehle (dmi)Mortgage Subservicing1 CORPORATE DR ST 360, Lake Zurich, IL 60047$2,188,700
Ncr CorporationOnline BankingPO BOX 740641, Los Angeles, CA 90067$1,932,599
Augeo Consumer Engagement ServicesCredit Card Rewards1620 BOND ST, Naperville, IL 60563$1,232,935
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$130,738,518
Investment Income
$12,708,253
Other Revenue
$5,929,183
Change in Net Assets
$27,553,751

Audited Revenue Reconciliation

Revenue per Audited Statements
$146,913,270
Revenue Not Reported on Financial Statements
$2,462,684
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$2,462,684
Total Revenue per Audited Statements
$146,913,270
Total Revenue per Form 990
$149,375,954
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$66,715,118
Other Expenses$54,567,596
Grants and Similar Amounts Paid$539,489
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$50,761,848
Information Technology---$6,957,773
Depreciation Depletion---$6,553,012
Current Officers, Directors, Trustees, and Key Employees---$5,770,714
Advertising---$5,522,423
Occupancy---$5,072,929
Other Employee Benefits---$4,978,366
Office Expenses---$4,817,152
Fees for Services Other---$4,175,441
Interest---$3,740,772
Payroll Taxes---$3,692,369
All Other Expenses---$2,445,819
Other Expenses---$1,779,635
Pension Plan Contributions---$1,511,821
Conferences and Meetings---$981,052
Insurance---$554,665
Grants to Domestic Orgs---$539,489
Fees for Services Accounting---$427,454
Fees for Services Legal---$234,697
Total Functional Expenses$0$0$0$121,822,203

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$121,822,203
Expenses per Audited Statements$119,359,519
Total Expenses per Audited Statements$119,359,519
Expenses Not Reported on Financial Statements$2,462,684
Other Expense Adjustments$2,462,684
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Elevations FoundationBoulder, CO501(c)(3)Support Scholarships, Etc.$433,391
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

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$2,123,071$1,917,262▼ $205,809
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$589,003,668
Share Draft Accounts$560,989,096
Money Market Accounts$491,896,516
Certificates$97,682,591
Deposits$76,622,888
Ira Shares$64,352,398
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 35% controlled entity
No
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

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;, employees, retirees, or students of the university of colorado-boulder or naropa university; and 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 acknowledgement 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. Anyone with a conflict cannot participate in any discussion or vote on the transaction.

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. The board works with an independent consultant, who uses comparative data, to determine the ceo's compensation. All deliberations are documented, and the process is completed annually.

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
2020-10-01
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
673
Volunteers
11

Preparer

Firm
Moss Adams Llp
Address
505 SW BROADWAY STE 1200, PORTLAND, OR 97205
Preparer
Wendy Campos
Phone
5032421447
Supplemental Narrative

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:

The credit union is state chartered and federally tax-exempt under the internal revenue code 501(c)(14), except to the extent of unrelated business income. The credit union had no unrecognized tax benefits at december 31, 2019. The credit union recognizes the accrual of interest and penalties related to unrecognized tax benefits as a tax expense. During the year ended december 31, 2019, it recognized no material interest or penalties.

PART XI, LINE 4B - OTHER ADJUSTMENTS:

Expense included in revenue 2,462,684.

PART XII, LINE 4B - OTHER ADJUSTMENTS:

Expense included in revenue 2,462,684.

Raw XML AppendixShowing 400 of 931 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/AverageHoursPerWeekRt86.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt96.00
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/AverageHoursPerWeekRt2340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2440.00
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
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/IndividualTrusteeOrDirectorInd9X
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/OtherCompensationAmt11877
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt24337
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10553506
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt11178205
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt12147770
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt13140539
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt14157912
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt15132266
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1621154
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1747012
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt188125
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt199365
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2027300
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2178076
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2220797
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2319220
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2418746
IRS990/Form990PartVIISectionAGrp/PersonNm0KATE BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm1ERIC JONES
IRS990/Form990PartVIISectionAGrp/PersonNm2RAY MARTINEZ
IRS990/Form990PartVIISectionAGrp/PersonNm3DON CHEYNE
IRS990/Form990PartVIISectionAGrp/PersonNm4NANCY HERBERT
IRS990/Form990PartVIISectionAGrp/PersonNm5CARROLL BEACH
IRS990/Form990PartVIISectionAGrp/PersonNm6NATALIE BAUMGARTNER
IRS990/Form990PartVIISectionAGrp/PersonNm7KATIE COWAN
IRS990/Form990PartVIISectionAGrp/PersonNm8TODD GLEESON
IRS990/Form990PartVIISectionAGrp/PersonNm9JIM MENGHI
IRS990/Form990PartVIISectionAGrp/PersonNm10GERRY AGNES
IRS990/Form990PartVIISectionAGrp/PersonNm11MICHAEL CALCOTE
IRS990/Form990PartVIISectionAGrp/PersonNm12BRIAN HOLST
IRS990/Form990PartVIISectionAGrp/PersonNm13PIERRE DUPRE
IRS990/Form990PartVIISectionAGrp/PersonNm14RAYMOND LINDLEY
IRS990/Form990PartVIISectionAGrp/PersonNm15TAMMY TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm16DANIELLE QUATROCHI
IRS990/Form990PartVIISectionAGrp/PersonNm17PETER REICKS
IRS990/Form990PartVIISectionAGrp/PersonNm18SUSAN GREEN
IRS990/Form990PartVIISectionAGrp/PersonNm19STEVEN SCHMIDLE
IRS990/Form990PartVIISectionAGrp/PersonNm20CAMERON WHITE-FORD
IRS990/Form990PartVIISectionAGrp/PersonNm21TODD PEYOK
IRS990/Form990PartVIISectionAGrp/PersonNm22ELIZABETH MILLION
IRS990/Form990PartVIISectionAGrp/PersonNm23AARON STAUFER
IRS990/Form990PartVIISectionAGrp/PersonNm24LAURI LARSON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt048519
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt139697
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt235000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt337824
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt446500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt538809
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt835689
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt935000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10964616
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11575171
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12453172
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13397099
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14376249
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15366941
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16293562
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17228833
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18223701
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1998685
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt201053706
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21813426
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22846530
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23778950
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt24596715
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/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt240
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD OF DIRECTORS - CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD OF DIRECTORS - TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD OF DIRECTORS - SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD OF DIRECTORS - VICE CHAIR
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/TitleTxt12GENERAL COUNSEL
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF HUMAN RESOURCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16CXO-6/1/19 THROUGH 10/1/19
IRS990/Form990PartVIISectionAGrp/TitleTxt17CSPO
IRS990/Form990PartVIISectionAGrp/TitleTxt18CMO-THROUGH 5/31/19
IRS990/Form990PartVIISectionAGrp/TitleTxt19CSPO-THROUGH 4/5/19
IRS990/Form990PartVIISectionAGrp/TitleTxt20MORTGAGE SALES MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP COMMERCIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP MORTGAGE SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt23MORTGAGE LOAN ORIGINATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24MORTGAGE LOAN ORIGINATOR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt04524177
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0539489
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt011597453
IRS990/GrossReceiptsAmt0156449230
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt0126
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt06957773
IRS990/InsuranceGrp/TotalAmt0554665
IRS990/IntangibleAssetsGrp/BOYAmt05652582
IRS990/IntangibleAssetsGrp/EOYAmt05652582
IRS990/InterestGrp/TotalAmt03740772
IRS990/InvestmentIncomeGrp/ExclusionAmt08184076
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt08184076
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0197808021
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0158118250
IRS990/IRPDocumentCnt034224
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt038125048
IRS990/LandBldgEquipBasisNetGrp/BOYAmt067017340
IRS990/LandBldgEquipBasisNetGrp/EOYAmt066594016
IRS990/LandBldgEquipCostOrOtherBssAmt0104719064
IRS990/LegalDomicileStateCd0CO
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt07073276
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/NetAssetsOrFundBalancesBOYAmt0219987823
IRS990/NetAssetsOrFundBalancesEOYAmt0249137059
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt04524177
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt04524177
IRS990/NetUnrelatedBusTxblIncmAmt0-193479
IRS990/NetUnrlzdGainsLossesInvstAmt02290413
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt05072929
IRS990/OfficeExpensesGrp/TotalAmt04817152
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt098634097
IRS990/OtherAssetsTotalGrp/EOYAmt0140802705
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt04978366
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1CARD SERVICE EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt09142361
IRS990/OtherExpensesGrp/TotalAmt12162411
IRS990/OtherExpensesGrp/TotalAmt21779635
IRS990/OtherLiabilitiesGrp/BOYAmt01795207916
IRS990/OtherLiabilitiesGrp/EOYAmt01880547157
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt05929183
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt05929183
IRS990/OtherRevenueTotalAmt05929183
IRS990/OtherSalariesAndWagesGrp/TotalAmt050761848
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01503047121
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01575888517
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt03692369
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt011879721
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt011879721
IRS990/PensionPlanContributionsGrp/TotalAmt01511821
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt03223790
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02626190
IRS990/PrincipalOfficerNm0GERRY AGNES
IRS990/PriorPeriodAdjustmentsAmt0-694928
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS TO MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc1GAIN ON SALE OF LOANS
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3FEES AND SERVICE CHARGES
IRS990/ProgramServiceRevenueGrp/Desc4WEALTH MANAGEMENT INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt077475997
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt128238715

Document Assets

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Filings

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