Civic Intelligence

Credit Unions Chartered in the State of Colorado

990 • Fiscal year 2019 • EIN 84-0470451

Jan 01, 2019 to Dec 31, 2019 • Filed on Jul 08, 2020

Organization ProfileENT.COM

View Organization Page

7250 Campus DriveColorado Springs, CO 80920-6517

(719) 574-1100

Siviq Scores

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

Liabilities / Assets

31st percentile

0.88x

Higher debt load relative to assets than 31% of similar nonprofits.

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

Liabilities / Revenue

81st percentile

20.63x

Higher debt load relative to revenue than 81% of similar nonprofits.

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

Net Margin

85th percentile

24%

Higher net margin than 85% of similar nonprofits.

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

Top Officer Pay

80th percentile

$1,461,106

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 0.5% of source-year revenue.

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

Asset Growth

97th percentile

20%

Faster asset growth than 97% of similar nonprofits.

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

Revenue Growth

78th percentile

17%

Faster revenue growth than 78% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets31st percentile

Assets

Up

$6,685,914,011

Up $1,118,054,411 (+20%) from 2018

Net Assets

Up

$794,231,163

Up $74,257,374 (+10%) from 2018

Liabilities

Up

$5,891,682,848

Up $1,043,797,037 (+22%) from 2018

Revenue And Expenses
Liabilities / Revenue81st percentileNet Margin85th percentile

Revenue

Up

$285,571,543

Up $40,814,928 (+17%) from 2018

Expenses

Up

$216,153,465

Up $29,723,377 (+16%) from 2018

Net Income

Up

$69,418,078

Up $11,091,551 (+19%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth97th percentile

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

$10B$5.0B$0Assets 2016: $4,739,287,724Liabilities 2016: $4,145,306,312Net Assets 2016: $593,981,4122016Assets 2017: $5,053,221,792Liabilities 2017: $4,402,949,628Net Assets 2017: $650,272,1642017Assets 2018: $5,567,859,600Liabilities 2018: $4,847,885,811Net Assets 2018: $719,973,7892018Assets 2019: $6,685,914,011Liabilities 2019: $5,891,682,848Net Assets 2019: $794,231,1632019Assets 2020: $7,489,436,406Liabilities 2020: $6,658,854,067Net Assets 2020: $830,582,3392020Assets 2021: $8,749,547,485Liabilities 2021: $7,873,866,091Net Assets 2021: $875,681,3942021Assets 2022: $9,803,426,888Liabilities 2022: $8,911,339,209Net Assets 2022: $892,087,6792022Assets 2024: $9,839,179,338Liabilities 2024: $8,862,411,740Net Assets 2024: $976,767,5982024

Highlighted filing

2019

Assets$6,685,914,011
Liabilities$5,891,682,848
Net Assets$794,231,163
Open 2019 Filing

Operations Trend

Revenue Growth78th percentile

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

$600M$400M$200M$0Revenue 2016: $185,714,412Expenses 2016: $129,303,917Net Income 2016: $56,410,4952016Revenue 2017: $210,276,767Expenses 2017: $155,397,543Net Income 2017: $54,879,2242017Revenue 2018: $244,756,615Expenses 2018: $186,430,088Net Income 2018: $58,326,5272018Revenue 2019: $285,571,543Expenses 2019: $216,153,465Net Income 2019: $69,418,0782019Revenue 2020: $285,590,472Expenses 2020: $253,933,673Net Income 2020: $31,656,7992020Revenue 2021: $326,625,920Expenses 2021: $273,872,799Net Income 2021: $52,753,1212021Revenue 2022: $406,110,668Expenses 2022: $334,117,318Net Income 2022: $71,993,3502022Revenue 2024: $594,695,379Expenses 2024: $525,410,231Net Income 2024: $69,285,1482024

Highlighted filing

2019

Revenue$285,571,543
Expenses$216,153,465
Net Income$69,418,078
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jul 8, 2020
Return Version
2019v5.1
Gross Receipts
$335,323,746
Mission and Program Overview

Mission

The mission of ent credit union is to improve members' quality of life through education, unbiased financial advice, and access to the highest quality financial products and services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,550,652,196$4,862,776,132▲ $312,123,936
Rtn Earn Endowment Incm Other Fnds$719,973,789$794,231,163▲ $74,257,374
Investments in Publicly Traded Securities$254,729,788$712,981,426▲ $458,251,638
Savings and Temporary Cash Investments$385,128,790$225,246,128▼ $159,882,662
Land, Buildings, and Equipment, Net$74,822,197$121,043,048▲ $46,220,851
Cash and Non-Interest-Bearing Accounts$33,846,776$33,169,839▼ $676,937
Investments Other Securities$3,251,800$26,357,600▲ $23,105,800
Intangible Assets$9,666,667$9,333,333▼ $333,334
Prepaid Expenses and Deferred Charges$4,145,071$7,595,980▲ $3,450,909
Accounts Receivable$2,629,776$3,324,351▲ $694,575
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$5,567,859,600$6,685,914,011▲ $1,118,054,411
Other Assets Total$248,986,539$684,086,174▲ $435,099,635
Liabilities
Other Liabilities$4,642,987,654$5,173,752,730▲ $530,765,076
Mortgage Notes Payable Secured by Investment Property-$583,475,243-
Accounts Payable and Accrued Expenses$204,898,157$106,339,599▼ $98,558,558
Escrow Account Liability-$28,115,276-
Total Liabilities$4,847,885,811$5,891,682,848▲ $1,043,797,037
Net Assets / Fund Balance
Total Net Assets Fund Balance$719,973,789$794,231,163▲ $74,257,374
Total Liabilities and Net Assets / Fund Balance$5,567,859,600$6,685,914,011▲ $1,118,054,411

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$82,329,845$15,640,777$97,970,622
Equipment$10,586,005$18,834,388$29,420,393
Land$25,612,632-$25,612,632
Leasehold Improvements$2,514,566$3,830,148$6,344,714
Other Assets Org$1,092,181--
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Graves Chad MPresident / CEOFT$538,534$922,572$1,461,106
Vogeney William DChief Revenue OfficerFT$383,198$572,048$955,246
Coon Mary JChief Financial OfficerFT$362,848$576,611$939,459
Gendron Matthew JChief Engagement OfficerFT$383,129$502,766$885,895
Paukovich Jon aChief Lending OfficerFT$276,388$551,199$827,587
Dombrowski Stephanie SMloFT$37,691$784,834$822,525
Scholes Richard aChief Experience OfficerFT$379,899$391,710$771,609
Marshall Christopher JChief Technology OfficerFT$318,842$383,973$702,815
Bell Mollie BChief Development OfficerFT$380,643$277,588$658,231
Schneider Clinton CChief Risk Officer (through 11/1/19)FT$215,036$392,836$607,872
Flanagan Sharie KSVP Human ResourcesFT$282,566$292,561$575,127
Stange Shirley DMloFT$18,512$456,368$474,880
Bechtel ThomasMloFT$30,590$400,543$431,133
Greenwood Mary aMloFT$22,176$379,869$402,045
Callens Joshua MMloFT$30,289$342,153$372,442
Winter Barbara JChief Community Officer (through 1/4/19)FT$272,203$13,650$285,853
Winter Barbara JChief Community Officer (through 1/4-$2,851$283,002$285,853
Sussman Jennifer SChief Marketing OfficerFT$202,500$63,516$266,016
Martinez RonCFA / Chairman-$36,759-$36,759
Glover WalterBoard Member-$27,607-$27,607
Kalletta RichardBoard Member-$27,468-$27,468
Ayen WilliamBoard Treasurer-$25,657-$25,657
Drummer TimBoard Member-$23,578-$23,578
Chandler DebbieBoard Member-$23,083-$23,083
Nicholson PamVice Chairman-$21,955-$21,955
Vadala ChrisBoard Secretary-$18,936-$18,936
Vaughan MeredithBoard Member-$16,051-$16,051
Fuscher Steven RBoard Member (through 4/1/19)-$3,525-$3,525

Highest Paid Contractors

ContractorServicesLocationCompensation
Ge Johnson Construction Compnay INCConstruction Of Centers And Hq25 N CASCADE AVE 400, Colorado Springs, CO 80903$7,071,895
Inline Billing Services INCPurchase Time Slots For Ads To Air1600 STOUT ST STE 800, Denver, CO 80202$4,476,474
Howell ConstructionConstruction Of Various Service Centers8085 E HARVARD AVE, Denver, CO 80231$3,030,653
Davis Partnership ArchitectsArchitects For Exterior Build - Hq2901 BLAKE ST 100, Denver, CO 80205$1,930,104
Synergy Appraisal ServicesAppraisals For Home Equity And Mortgage6551 S REVERE PKWY SUITE 270, Centennial, CO 80111$1,914,615
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$250,338,468
Investment Income
$15,704,412
Other Revenue
$19,528,663
Change in Net Assets
$69,418,078
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$127,140,602
Salaries, Compensation, and Employee Benefits$86,233,924
Grants and Similar Amounts Paid$2,778,939
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$56,313,957
Interest---$42,577,150
Office Expenses---$10,207,110
All Other Expenses---$10,045,122
Current Officers, Directors, Trustees, and Key Employees---$9,161,432
Advertising---$8,376,587
Pension Plan Contributions---$7,961,585
Other Employee Benefits---$7,841,663
Depreciation Depletion---$6,520,182
Other Expenses---$6,030,866
Information Technology---$5,665,038
Payroll Taxes---$4,955,287
Occupancy---$4,818,059
Fees for Services Other---$3,657,086
Grants to Domestic Orgs---$2,778,939
Travel---$936,072
Insurance---$431,497
Fees for Services Accounting---$300,000
Fees for Service Investment Mgmnt Fees---$117,385
Fees for Services Legal---$100,926
Total Functional Expenses$0$0$0$216,153,465
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
CHILDREN'S HOSPITAL COLORADO FOUNDATIONColorado Springs, CO501(c)(3)Balloon Ball$670,000
Credit Union National AssociationMadison, WI501(c)(6)2 of 3 Multi-year Pledge Pymt$333,333
Ymca Pikes Peak RegionColorado Springs, CO501(c)(3)Capital Campaign 2 of 2$250,000
University of Colorado FoundationColorado Springs, CO501(c)(3)Agreement 2016-2031$140,000
Springs Rescue MissionColorado Springs, CO501(c)(3)Capital Campaign 1 of 3$100,000
Downtown Denver Events IncDenver, CO501(c)(3)Parade of Lights Sponsorship$93,923
Pikes Peak United WayColorado Springs, CO501(c)(3)Title Sponsor Community Celebration Luncheon$73,500
Pikes Peak Community College FoundationColorado Springs, CO501(c)(3)2020-2021 Ent Scholarship Foundation$50,000
Colorado Springs Conservatory FoundationColorado Springs, CO501(c)(3)2020 Early Childhood Piccolo Music & Literacy Program$28,873
Arapahoe Community College FoundationLittleton, CO501(c)(3)Ent Scholarship for Arapahoe Community College$25,000
Pueblo Community College FoundationPueblo, CO501(c)(3)2020-2021 Ent Scholarship Foundation$25,000
Special OlympicsCentennial, CO501(c)(3)2020 Athlete Leadership Program University$25,000
Mountain West Credit Union FoundationPhoenix, AZ501(c)(3)Golf Sponsorship 2019 Annual Convention$22,540
Colorado Springs Utilities Foundation (ent Donor Fund)Colorado Springs, CO501(c)(3)Project Cope$20,000
Nascus (national Voice of the State Credit Union System)Arlington, VA501(c)(6)National Institute for State Credit Union Examiner Training$20,000
Ronald Mcdonald House Charities Southern ColoradoColorado Springs, CO501(c)(3)Capital Campaign (sponsor of Two Bedrooms)$20,000
Care and Share IncColorado Springs, CO501(c)(3)2020 Recipe for Hope Events in Pikes Peak and Pueblo$15,000
Discover GoodwillColorado Springs, CO501(c)(3)ENCHANTED WEEKEND + ANNUAL DINNER$15,000
Leadership Pikes PeakColorado Springs, CO501(c)(3)Sponsorship 2019$15,000
American Red CrossColorado Springs, CO501(c)(3)2020 Hometown Heroes Pueblo and Cos$12,500
Police Foundation of Colorado SpringsColorado Springs, CO501(c)(3)2019 Medal of Valor Luncheon$12,500
Junior Achievement of Southern Colorado (ent Donor Fund)Colorado Springs, CO501(c)(3)Cos/pueblo Program Support$12,000
The National Credit Union FoundationMadison, WI501(c)(3)Corporate Support$12,000
Olympic City USA Colorado Springs (city of Colorado Springs)Colorado Springs, CO115North I-25 Entryway Sign Project$10,000
Salvation Army (ent Donor Fund)Colorado Springs, CO501(c)(3)Donation Ent Donor Fund for Program Support$10,000
The National Museum of World War Ii AviationColorado Springs, CO501(c)(3)Program Support$10,000
Catholic CharitiesColorado Springs, CO501(c)(3)2020 ST. PATRICK'S DAY GALA$7,500
Pueblo Police DepartmentPueblo, CO115Annual Awards$7,500
Secorcares (ent Donor Fund)Parker, CO501(c)(3)Donation Ent Donor Fund for Program Support$7,000
IndygiveColorado Springs, CO501(c)(3)Youth in Action Category$6,500
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Money Market$1,693,407,569
Cd$1,170,581,098
Shares$1,168,045,425
Share Draft$1,093,126,788
Ira$48,591,850
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization has members and the field of membership of this credit union shall be limited to those having the following common bond: a. Persons who live, work, worship within adams, arapahoe, boulder, broomfield, denver, douglas, elbert, el paso, fremont, jefferson, larimer, pueblo, teller and weld counties, colorado; b. Members of record of this credit union as of the date of its conversion to a community charter; c. Employees of this credit union; d. Member of their immediate families or households; and e. Organizations of such persons. F. As a result of mergers: former members of mountain bell credit union, buckley federal credit union, first charter federal credit union, decibel community credit union, and us alliance federal credit union.”

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

“Our 374,386 members each are allowed one vote during each board election.”

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

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur, such as certain merger opportunities and potential charter conversions.”

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

“The 990 is prepared by an outside accounting firm hired for such purpose. Data and other information is supplied to that firm to use in preparation of the document. A copy of form 990 will be provided to the board of directors for review after filing.”

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

“The internal audit department performs annual testing on employee and official accounts for rates, terms & conditions consistent with what would be offered to the general membership outside of the allowed employee discount. Annually a board monitoring report is complete to attest for purchases where normally prudent protections have been been given against conflict of interest. This was last completed in 2019.”

Form 990, Part VI, Section B, Line 15

“Ent credit union participates in multiple, periodic (typically annual) industry salary surveys, for all levels of the organization, in order to assess market pay practices and provide supporting data for internal recommendations and decisions regarding pay structures and increases based on strategic goals and initiatives. The last compensation review was done in 2019.”

Form 990, Part VI, Section C, Line 18

“The form 990 is available upon request.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents are not made available to the public. The credit union's conflict of interest policy is not made available to the public. The credit union's financial statements are available for public viewing on ncua.gov via the quarterly 5300 filing.”

Filing and Contact Details

Filer

Filer Name
Ent Credit Union
EIN
84-0470451
Phone
7195741100
Address
7250 CAMPUS DRIVE, COLORADO SPRINGS, CO 80920-6517

Signing Officer

Name
Chad Graves
Title
President/CEO
Phone
7195741100
Signed
2020-07-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Chad Graves
Formed
1991
Legal Domicile
Co
Voting Board Members
9
Independent Board Members
0
Employees
1,148
Volunteers
13

Preparer

Firm
Moss Adams Llp
Address
6565 AMERICAS PARKWAY NE STE 600, ALBUQUERQUE, NM 87110
Preparer
Pamela Alexanderson
Phone
5058787200
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Reclassification adjustment for net hedging losses 1,025,571. Net change in post retirement benefits -154,669.”

Financial Statement Notes

PART IV, LINE 1B:

“Ent credit union services loans for third-party entities that are not shown on form 990, part x. The loans are serviced for the federal national mortgage association (fnma); the federal home loan bank (fhlb); and the government national mortgage association (gnma).”

PART IV, LINE 2B:

“An escrow account is maintained for the taxes and insurance payable on the real estate securing the credit union's mortgage loans. The escrows maintained at the credit union for taxes and insurance payable include loans to the federal national mortgage association (fnma), the federal home loan bank (fhlb), and the government national mortgage association (gnma) for which ent credit union retains servicing.”

PART X, LINE 2:

“The credit union is exempt from most federal and state income taxes; however, the credit union's wholly owned cuso is subject to federal and state income taxes. The income taxes topic of the financial accounting standards board (fasb) accounting standards codification (asc) clarifies accounting for uncertainty in income taxes reported in the consolidated 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. The credit union is a state-chartered credit union as defined in the internal revenue code (irc) section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities directly related to its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (ubi) derived by state-chartered credit unions. Ubi may also be subject to tax in certain states. Management has assessed the credit union's 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 consolidated financial statements. Additionally, no interest and penalties have been recorded in the accompanying consolidated financial statements related to uncertain tax positions.”

Raw XML AppendixShowing 400 of 1,180 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/ActivityOrMissionDesc0THE MISSION OF ENT CREDIT UNION IS TO IMPROVE MEMBERS' QUALITY OF LIFE THROUGH EDUCATION, UNBIASED FINANCIAL ADVICE, AND ACCESS TO THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES.
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4SYNERGY APPRAISAL SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc0CONSTRUCTION OF CENTERS AND HQ
IRS990/ContractorCompensationGrp/ServicesDesc1PURCHASE TIME SLOTS FOR ADS TO AIR
IRS990/ContractorCompensationGrp/ServicesDesc2CONSTRUCTION OF VARIOUS SERVICE CENTERS
IRS990/ContractorCompensationGrp/ServicesDesc3ARCHITECTS FOR EXTERIOR BUILD - HQ
IRS990/ContractorCompensationGrp/ServicesDesc4APPRAISALS FOR HOME EQUITY AND MORTGAGE
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IRS990/Desc0ENT CREDIT UNION SERVES ADAMS, ARAPAHOE, BOULDER, BROOMFIELD, DENVER, DOUGLAS, ELBERT, EL PASO, FREMONT, JEFFERSON, LARIMAR, PUEBLO, TELLER AND WELD COUNTIES. THE CREDIT UNION IMPROVES OUR MEMBERS' QUALITY OF LIFE BY OFFERING A FULL ARRAY OF PRODUCTS AND SERVICES, INCLUDING DEPOSITORY AND LOAN PRODUCTS, ATM/DEBIT PROGRAM, FINANCIAL EDUCATION, INSURANCE, AND INVESTMENT SALES. WE ENDED THE YEAR WITH 374,386 MEMBERS AND 413,688 SHARE ACCOUNTS. THERE WERE 87,352 LOANS GRANTED TOTALING $2,652,714,755. ENT CREDIT UNION CURRENT OFFERS 37 BRANCH LOCATIONS WITH A WIDE ARRAY OF REMOTE OPTIONS THROUGH OUR COOPERATION WITH THE COOP ATM NETWORK, SHARED BRANCH NETWORK, AND ONLINE/MOBILE BANKING SOLUTIONS.
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IRS990/Form990PartVIISectionAGrp/PersonNm15SCHOLES RICHARD A
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IRS990/Form990PartVIISectionAGrp/PersonNm20WINTER BARBARA J
IRS990/Form990PartVIISectionAGrp/PersonNm21SUSSMAN JENNIFER S
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IRS990/Form990PartVIISectionAGrp/PersonNm25GREENWOOD MARY A
IRS990/Form990PartVIISectionAGrp/PersonNm26CALLENS JOSHUA M
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IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMAN
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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER (THROUGH 4/1/19)
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT / CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF REVENUE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF ENGAGEMENT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF EXPERIENCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF TECHNOLOGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17CHIEF DEVELOPMENT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt18CHIEF RISK OFFICER (THROUGH 11/1/19)
IRS990/Form990PartVIISectionAGrp/TitleTxt19SVP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt20CHIEF COMMUNITY OFFICER (THROUGH 1/4/19)
IRS990/Form990PartVIISectionAGrp/TitleTxt21CHIEF MARKETING OFFICER
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IRS990/MissionDesc0THE MISSION OF ENT CREDIT UNION IS TO IMPROVE MEMBERS' QUALITY OF LIFE THROUGH EDUCATION, UNBIASED FINANCIAL ADVICE, AND ACCESS TO THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES.
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IRS990/OperateHospitalInd00
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IRS990/OtherExpensesGrp/Desc0MEMBER GIVEBACK
IRS990/OtherExpensesGrp/Desc1DEBIT CARD SERVICES
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
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IRS990/OtherExpensesGrp/TotalAmt18821325
IRS990/OtherExpensesGrp/TotalAmt26224075
IRS990/OtherExpensesGrp/TotalAmt36030866
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IRS990/OtherLiabilitiesGrp/EOYAmt05173752730
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IRS990/OtherRevenueMiscGrp/BusinessCd1900099
IRS990/OtherRevenueMiscGrp/BusinessCd2900099
IRS990/OtherRevenueMiscGrp/Desc0GAIN ON SALE OF LOANS
IRS990/OtherRevenueMiscGrp/Desc1NON-OPERATING INCOME
IRS990/OtherRevenueMiscGrp/Desc2NON-MEMBER ATM
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt016239476
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11614080
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2670503
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0670503

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,685,914,011
Liabilities
$5,891,682,848
Net assets
$794,231,163
Revenue
$285,571,543
Expenses
$216,153,465
Net income
$69,418,078
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$9,839$8,862$977$595$525$69.3
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$9,803$8,911$892$406$334$72.0
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8,750$7,874$876$327$274$52.8
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7,489$6,659$831$286$254$31.7
2019Detailed filing. Detailed filing data is available for this year.$6,686$5,892$794$286$216$69.4
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5,568$4,848$720$245$186$58.3
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$5,053$4,403$650$210$155$54.9
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,739$4,145$594$186$129$56.4