Civic Intelligence

Credit Unions Chartered in the State of Colorado

990 • Fiscal year 2016 • EIN 84-0509784

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 18, 2017

Organization ProfileN/A

View Organization Page

205 E 3rd StSalida, CO 81201

(719) 539-2968

Siviq Scores

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

Liabilities / Assets

96th percentile

0.92x

Higher debt load relative to assets than 96% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

58th percentile

21.55x

Higher debt load relative to revenue than 58% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

8th percentile

-4.6%

Higher net margin than 8% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

13th percentile

$35,017

Higher top officer pay than 13% of similar nonprofits.

Top officer pay equals 3.2% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

93rd percentile

10%

Faster asset growth than 93% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

66th percentile

5.3%

Faster revenue growth than 66% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets96th percentile

Assets

Up

$25,788,668

Up $2,372,838 (+10%) from 2015

Net Assets

Down

$1,965,353

Down $50,815 (-2.5%) from 2015

Liabilities

Up

$23,823,315

Up $2,423,653 (+11%) from 2015

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin8th percentile

Revenue

Up

$1,105,432

Up $55,972 (+5.3%) from 2015

Expenses

Up

$1,156,247

Up $137,805 (+14%) from 2015

Net Income

Down

-$50,815

Down $81,833 (-264%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth93rd percentile

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

$40M$30M$20M$10M$0Assets 2010: $15,851,397Liabilities 2010: $14,534,658Net Assets 2010: $1,316,7392010Assets 2011: $20,953,377Liabilities 2011: $19,227,514Net Assets 2011: $1,725,8632011Assets 2012: $22,496,471Liabilities 2012: $20,633,854Net Assets 2012: $1,862,6172012Assets 2013: $22,764,771Liabilities 2013: $20,890,587Net Assets 2013: $1,874,1842013Assets 2015: $23,415,830Liabilities 2015: $21,399,662Net Assets 2015: $2,016,1682015Assets 2016: $25,788,668Liabilities 2016: $23,823,315Net Assets 2016: $1,965,3532016Assets 2017: $25,453,818Liabilities 2017: $23,528,931Net Assets 2017: $1,924,8872017Assets 2018: $26,446,476Liabilities 2018: $24,390,642Net Assets 2018: $2,055,8342018Assets 2019: $26,029,825Liabilities 2019: $23,881,457Net Assets 2019: $2,148,3682019Assets 2020: $28,052,496Liabilities 2020: $25,903,232Net Assets 2020: $2,149,2642020Assets 2021: $34,049,709Liabilities 2021: $31,895,477Net Assets 2021: $2,154,2322021Assets 2022: $32,023,498Liabilities 2022: $29,766,126Net Assets 2022: $2,257,3722022Assets 2023: $33,096,196Liabilities 2023: $30,703,439Net Assets 2023: $2,392,7572023

Highlighted filing

2016

Assets$25,788,668
Liabilities$23,823,315
Net Assets$1,965,353
Open 2016 Filing

Operations Trend

Revenue Growth66th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $704,2002010Expenses 2011: $1,115,7722011Expenses 2012: $1,079,9602012Revenue 2013: $989,674Expenses 2013: $990,452Net Income 2013: -$7782013Revenue 2015: $1,049,460Expenses 2015: $1,018,442Net Income 2015: $31,0182015Revenue 2016: $1,105,432Expenses 2016: $1,156,247Net Income 2016: -$50,8152016Revenue 2017: $1,040,601Expenses 2017: $1,081,067Net Income 2017: -$40,4662017Revenue 2018: $1,180,413Expenses 2018: $1,049,466Net Income 2018: $130,9472018Revenue 2019: $1,228,425Expenses 2019: $1,132,029Net Income 2019: $96,3962019Revenue 2020: $1,126,207Expenses 2020: $1,125,313Net Income 2020: $8942020Revenue 2021: $1,215,123Expenses 2021: $1,210,155Net Income 2021: $4,9682021Revenue 2022: $1,359,620Expenses 2022: $1,252,155Net Income 2022: $107,4652022Revenue 2023: $1,591,590Expenses 2023: $1,456,205Net Income 2023: $135,3852023

Highlighted filing

2016

Revenue$1,105,432
Expenses$1,156,247
Net Income-$50,815
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 18, 2017
Return Version
2016v3.0
Gross Receipts
$1,130,640
Mission and Program Overview

Mission

Chartered Credit Union which provides affordable financial services to our membership, both savings and loans

State Chartered Credit Union which provides affordable financial services to our membership both savings and loans

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$9,813,633$12,368,805▲ $2,555,172
Other Notes and Loans Receivable, Net$11,857,265$11,661,986▼ $195,279
Rtn Earn Endowment Incm Other Fnds$2,016,168$1,965,353▼ $50,815
Land, Buildings, and Equipment, Net$916,766$976,509▲ $59,743
Cash and Non-Interest-Bearing Accounts$333,599$282,244▼ $51,355
Receivables From Officers Etc$158,522$159,113▲ $591
Prepaid Expenses and Deferred Charges$11,200$4,623▼ $6,577
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$23,415,830$25,788,668▲ $2,372,838
Other Assets Total$324,845$335,388▲ $10,543
Liabilities
Other Liabilities$21,370,795$23,779,406▲ $2,408,611
Accounts Payable and Accrued Expenses$28,867$43,909▲ $15,042
Total Liabilities$21,399,662$23,823,315▲ $2,423,653
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,016,168$1,965,353▼ $50,815
Total Liabilities and Net Assets / Fund Balance$23,415,830$25,788,668▲ $2,372,838

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$653,267$108,223$761,490
Equipment$51,817$195,503$247,320
Land$246,895-$246,895
Leasehold Improvements$24,530$97,384$121,914
Compensation and Service Providers
Top Officer Pay13th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Patrick PostCEO/directorFT$35,017$35,017

Board Members and Trustees

NameTitle
Alan SulzenfussDirector
Lisa MunizDirector
Susan PattersonDirector
Tita MartinezDirector
Alan HochSupervisory COM
Jean HanfeltSupervisory COM
Russell GranzellaSupervisory COM
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,108,140
Investment Income
$0
Other Revenue
$-2,708
Change in Net Assets
$-50,815
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$655,520
Salaries, Compensation, and Employee Benefits$500,727
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$357,732--$357,732
All Other Expenses$145,271--$145,271
Information Technology$103,202--$103,202
Other Employee Benefits$64,886--$64,886
Depreciation Depletion$49,382--$49,382
Other Expenses$43,834--$43,834
Fees for Services Accounting$38,161--$38,161
Current Officers, Directors, Trustees, and Key Employees---$35,017
Payroll Taxes$34,861--$34,861
Advertising$22,079--$22,079
Occupancy$21,552--$21,552
Office Expenses$20,189--$20,189
Insurance$16,032--$16,032
Conferences and Meetings$9,141--$9,141
Pension Plan Contributions$8,231--$8,231
Interest$8--$8
Total Functional Expenses$1,121,230$0$0$1,156,247
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$158,522$159,113▲ $591
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Dposits in Checking,savings$23,779,406
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, Line 6: Explanation of Classes of Members or Shareholder

“MEMBERS”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“MEMBERS”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“MEMBERS”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Reviewed at board meeting”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Annually directors review and sign a statement of compliance”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The board reviews salaries to determine that they are competitive for the local area”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“The board reviews salaries to determine that they are competitive for the local area”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Upon written request in the office”

Filing and Contact Details

Filer

Filer Name
Mountain River Credit Union
EIN
84-0509784
Phone
7195392968
Address
205 E 3RD ST, SALIDA, CO 81201

Signing Officer

Name
Patrick Post
Title
CEO/director
Signed
2017-04-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Patrick Post
Formed
1961
Legal Domicile
Co
Voting Board Members
8
Independent Board Members
8
Employees
22

Preparer

Firm
Smith Powell & Company LLC Cpas
Address
68 SO MAIN 3RD FLOOR, SALT LAKE CITY, UT 84101
Preparer
Brandon R Zrno
Phone
8013592056
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E: Other Expenses

“ANNUAL MEETING: Column (A) - Total = $997; Column (B) - Program Services = $997; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“BANK FEES: Column (A) - Total = $12574; Column (B) - Program Services = $12574; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“BUILDING ALARM: Column (A) - Total = $2134; Column (B) - Program Services = $2134; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“CHECKING ACCOUNT EXPENSE: Column (A) - Total = $327; Column (B) - Program Services = $327; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“COLLECTION EXPENSE: Column (A) - Total = $863; Column (B) - Program Services = $863; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“COMMUNICATION EXPENSES: Column (A) - Total = $8430; Column (B) - Program Services = $8430; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“CONTRIBUTIONS: Column (A) - Total = $1335; Column (B) - Program Services = $1335; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“CREDIT/DEBIT CARD EXPENSE: Column (A) - Total = $26335; Column (B) - Program Services = $26335; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Dues: Column (A) - Total = $10477; Column (B) - Program Services = $10477; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“FEDERAL RESERVE FEES: Column (A) - Total = $3583; Column (B) - Program Services = $3583; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“GIFT CARD EXPENSE: Column (A) - Total = $181; Column (B) - Program Services = $181; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“LOAN PARTICIPATION FEES: Column (A) - Total = $568; Column (B) - Program Services = $568; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“MAINTENANCE OF FURN & EQUIP: Column (A) - Total = $1741; Column (B) - Program Services = $1741; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“MISCELLANEOUS OPERATING: Column (A) - Total = $729; Column (B) - Program Services = $729; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“MYCU MORTGAGE EXPENSE: Column (A) - Total = $482; Column (B) - Program Services = $482; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“NEW HIIRE EXPENSE: Column (A) - Total = $315; Column (B) - Program Services = $315; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“OFFICE CLEANING: Column (A) - Total = $1600; Column (B) - Program Services = $1600; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“OVER/SHORT: Column (A) - Total = $6914; Column (B) - Program Services = $6914; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“POSTAGE: Column (A) - Total = $13326; Column (B) - Program Services = $13326; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“PROPERTY TAX: Column (A) - Total = $9895; Column (B) - Program Services = $9895; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“RECORDING FEES: Column (A) - Total = $32; Column (B) - Program Services = $32; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“RENTAL OF FURNITURE & EQUIP: Column (A) - Total = $7408; Column (B) - Program Services = $7408; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“REPAIRS & MAINT: Column (A) - Total = $8439; Column (B) - Program Services = $8439; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“SHARE BRANCHING EXPENSE: Column (A) - Total = $12323; Column (B) - Program Services = $12323; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“STAFF TRAINING,TRAVEL,MEALS: Column (A) - Total = $4002; Column (B) - Program Services = $4002; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“STATE EXAM FEE: Column (A) - Total = $3089; Column (B) - Program Services = $3089; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“STORAGE UNIT: Column (A) - Total = $105; Column (B) - Program Services = $105; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“TELECHECK/REFUNDS: Column (A) - Total = $4948; Column (B) - Program Services = $4948; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“VOLUNTEER MEALS & TRAVEL: Column (A) - Total = $2119; Column (B) - Program Services = $2119; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Raw XML AppendixShowing 400 of 517 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/PersonNm6RUSSELL GRANZELLA
IRS990/Form990PartVIISectionAGrp/PersonNm7LISA MUNIZ
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt035017
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
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/TitleTxt0CEO/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2SUPERVISORY COM
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4SUPERVISORY COM
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6SUPERVISORY COM
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0false
IRS990/FormationYr01961
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01130640
IRS990/GrossRentsGrp/RealAmt022500
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IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
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IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt0103202
IRS990/InformationTechnologyGrp/TotalAmt0103202
IRS990/InsuranceGrp/ProgramServicesAmt016032
IRS990/InsuranceGrp/TotalAmt016032
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/ProgramServicesAmt08
IRS990/InterestGrp/TotalAmt08
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt00
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt03
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0401110
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0916766
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0976509
IRS990/LandBldgEquipCostOrOtherBssAmt01377619
IRS990/LegalDomicileStateCd0CO
IRS990/LessRentalExpensesGrp/RealAmt025208
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0State Chartered Credit Union which provides affordable financial services to our membership both savings and loans
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02016168
IRS990/NetAssetsOrFundBalancesEOYAmt01965353
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0-2708
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-2708
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt021552
IRS990/OccupancyGrp/TotalAmt021552
IRS990/OfficeExpensesGrp/ProgramServicesAmt020189
IRS990/OfficeExpensesGrp/TotalAmt020189
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0324845
IRS990/OtherAssetsTotalGrp/EOYAmt0335388
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt064886
IRS990/OtherEmployeeBenefitsGrp/TotalAmt064886
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING/ORIGINATING
IRS990/OtherExpensesGrp/Desc1ICUL CARD EXPENSE
IRS990/OtherExpensesGrp/Desc2DIVIDENDS TO SAVINGS
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/ProgramServicesAmt065170
IRS990/OtherExpensesGrp/ProgramServicesAmt165087
IRS990/OtherExpensesGrp/ProgramServicesAmt256412
IRS990/OtherExpensesGrp/ProgramServicesAmt343834
IRS990/OtherExpensesGrp/TotalAmt065170
IRS990/OtherExpensesGrp/TotalAmt165087
IRS990/OtherExpensesGrp/TotalAmt256412
IRS990/OtherExpensesGrp/TotalAmt343834
IRS990/OtherLiabilitiesGrp/BOYAmt021370795
IRS990/OtherLiabilitiesGrp/EOYAmt023779406
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0357732
IRS990/OtherSalariesAndWagesGrp/TotalAmt0357732
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011857265
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt011661986
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt034861
IRS990/PayrollTaxesGrp/TotalAmt034861
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt08231
IRS990/PensionPlanContributionsGrp/TotalAmt08231
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt011200
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt04623
IRS990/PrincipalOfficerNm0PATRICK POST
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522291
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0ALL OTHER PROGRAM SERVICE
IRS990/ProgramServiceRevenueGrp/Desc1DEBIT CARD INTERCHANGE
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc4LOAN ORIGINATION
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt035524
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt174626
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt294160
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3781511
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4110811
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt035524
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt174626
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt294160
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3781511
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4110811
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0502861
IRS990/PYOtherRevenueAmt0262
IRS990/PYProgramServiceRevenueAmt01049198
IRS990/PYRevenuesLessExpensesAmt031018
IRS990/PYSalariesCompEmpBnftPaidAmt0515581
IRS990/PYTotalExpensesAmt01018442
IRS990/PYTotalRevenueAmt01049460
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0158522
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0159113
IRS990/ReconcilationRevenueExpnssAmt0-50815
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt0-2708
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt01108140
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02016168
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01965353
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09813633
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012368805
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0653267
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0108223
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0761490
IRS990ScheduleD/EquipmentGrp/BookValueAmt051817
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0195503
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0247320
IRS990ScheduleD/LandGrp/BookValueAmt0246895
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0246895
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt024530
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt097384
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0121914
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt023779406
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DPOSITS IN CHECKING,SAVINGS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0976509
IRS990ScheduleD/TotalLiabilityAmt023779406
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0125000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt12803
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt21315
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt329995
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0L OF C
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1REC VEH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2UNSECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3NEW VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0251000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt111880
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt22500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt342000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0RUSTY GRANZELLA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1LISA MUNIZ
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2JEAN HANFELT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3VINCE MARCHASE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3FORMER DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/TotalBalanceDueAmt0159113
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3REVIEWED AT BOARD MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANNUALLY DIRECTORS REVIEW AND SIGN A STATEMENT OF COMPLIANCE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD REVIEWS SALARIES TO DETERMINE THAT THEY ARE COMPETITIVE FOR THE LOCAL AREA
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD REVIEWS SALARIES TO DETERMINE THAT THEY ARE COMPETITIVE FOR THE LOCAL AREA
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7UPON WRITTEN REQUEST IN THE OFFICE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ANNUAL MEETING: Column (A) - Total = $997; Column (B) - Program Services = $997; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9BANK FEES: Column (A) - Total = $12574; Column (B) - Program Services = $12574; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10BUILDING ALARM: Column (A) - Total = $2134; Column (B) - Program Services = $2134; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11CHECKING ACCOUNT EXPENSE: Column (A) - Total = $327; Column (B) - Program Services = $327; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12COLLECTION EXPENSE: Column (A) - Total = $863; Column (B) - Program Services = $863; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13COMMUNICATION EXPENSES: Column (A) - Total = $8430; Column (B) - Program Services = $8430; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14CONTRIBUTIONS: Column (A) - Total = $1335; Column (B) - Program Services = $1335; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15CREDIT/DEBIT CARD EXPENSE: Column (A) - Total = $26335; Column (B) - Program Services = $26335; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16Dues: Column (A) - Total = $10477; Column (B) - Program Services = $10477; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17FEDERAL RESERVE FEES: Column (A) - Total = $3583; Column (B) - Program Services = $3583; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18GIFT CARD EXPENSE: Column (A) - Total = $181; Column (B) - Program Services = $181; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19LOAN PARTICIPATION FEES: Column (A) - Total = $568; Column (B) - Program Services = $568; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt20MAINTENANCE OF FURN & EQUIP: Column (A) - Total = $1741; Column (B) - Program Services = $1741; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt21MISCELLANEOUS OPERATING: Column (A) - Total = $729; Column (B) - Program Services = $729; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt22MYCU MORTGAGE EXPENSE: Column (A) - Total = $482; Column (B) - Program Services = $482; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt23NEW HIIRE EXPENSE: Column (A) - Total = $315; Column (B) - Program Services = $315; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt24OFFICE CLEANING: Column (A) - Total = $1600; Column (B) - Program Services = $1600; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt25OVER/SHORT: Column (A) - Total = $6914; Column (B) - Program Services = $6914; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt26POSTAGE: Column (A) - Total = $13326; Column (B) - Program Services = $13326; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt27PROPERTY TAX: Column (A) - Total = $9895; Column (B) - Program Services = $9895; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt28RECORDING FEES: Column (A) - Total = $32; Column (B) - Program Services = $32; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt29RENTAL OF FURNITURE & EQUIP: Column (A) - Total = $7408; Column (B) - Program Services = $7408; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt30REPAIRS & MAINT: Column (A) - Total = $8439; Column (B) - Program Services = $8439; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt31SHARE BRANCHING EXPENSE: Column (A) - Total = $12323; Column (B) - Program Services = $12323; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt32STAFF TRAINING,TRAVEL,MEALS: Column (A) - Total = $4002; Column (B) - Program Services = $4002; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$25,788,668
Liabilities
$23,823,315
Net assets
$1,965,353
Revenue
$1,105,432
Expenses
$1,156,247
Net income
-$50,815
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$33.1$30.7$2.39$1.59$1.46$0.14
2022Detailed filing. Detailed filing data is available for this year.$32.0$29.8$2.26$1.36$1.25$0.11
2021Detailed filing. Detailed filing data is available for this year.$34.0$31.9$2.15$1.22$1.21$0.00
2020Detailed filing. Detailed filing data is available for this year.$28.1$25.9$2.15$1.13$1.13$0.00
2019Summary only. Only limited summary data is available for this year.$26.0$23.9$2.15$1.23$1.13$0.10
2018Summary only. Only limited summary data is available for this year.$26.4$24.4$2.06$1.18$1.05$0.13
2017Detailed filing. Detailed filing data is available for this year.$25.5$23.5$1.92$1.04$1.08$0.04
2016Detailed filing. Detailed filing data is available for this year.$25.8$23.8$1.97$1.11$1.16$0.05
2015Detailed filing. Detailed filing data is available for this year.$23.4$21.4$2.02$1.05$1.02$0.03
2013Detailed filing. Detailed filing data is available for this year.$22.8$20.9$1.87$0.99$0.99$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.5$20.6$1.86$1.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.0$19.2$1.73$1.12
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.9$14.5$1.32$0.70