Civic Intelligence

Peoples Credit Union

EIN 84-0519638 • 501(c)14 • Springfield, CO

Profile

State Chartered Credit Union

125 Main StSpringfield, CO 81073

www.peoples-cu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

15th percentile

0.82x

Higher debt load relative to assets than 15% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

17th percentile

12.44x

Higher debt load relative to revenue than 17% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

26th percentile

4.4%

Higher net margin than 26% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

8th percentile

$87,994

Higher top officer pay than 8% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

77th percentile

5.6%

Faster asset growth than 77% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

87th percentile

21%

Faster revenue growth than 87% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets15th percentile

Assets

Up

$70,151,177

Up $3,705,959 (+5.6%) from 2023

Liabilities

Up

$57,305,780

Up $3,517,339 (+6.5%) from 2023

Net Assets

Up

$12,845,397

Up $188,620 (+1.5%) from 2023

Operations
Liabilities / Revenue17th percentileNet Margin26th percentile

Revenue

Up

$4,607,281

Up $815,185 (+21%) from 2023

Expenses

Up

$4,405,062

Up $1,488,227 (+51%) from 2023

Net Income

Down

$202,219

Down $673,042 (-77%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth77th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$80M$60M$40M$20M$0Assets 2010: $35,597,870Liabilities 2010: $30,712,571Net Assets 2010: $4,885,2992010Assets 2011: $38,705,455Liabilities 2011: $33,624,843Net Assets 2011: $5,080,6122011Assets 2012: $40,693,250Liabilities 2012: $35,313,678Net Assets 2012: $5,379,5722012Assets 2013: $41,474,465Liabilities 2013: $35,516,921Net Assets 2013: $5,957,5442013Assets 2015: $42,056,166Liabilities 2015: $34,813,513Net Assets 2015: $7,242,6532015Assets 2016: $49,745,208Liabilities 2016: $41,562,225Net Assets 2016: $8,182,9832016Assets 2017: $50,179,169Liabilities 2017: $41,498,915Net Assets 2017: $8,680,2542017Assets 2018: $49,637,649Liabilities 2018: $40,185,653Net Assets 2018: $9,451,9962018Assets 2019: $52,120,548Liabilities 2019: $42,122,439Net Assets 2019: $9,998,1092019Assets 2020: $60,514,495Liabilities 2020: $49,866,984Net Assets 2020: $10,647,5112020Assets 2021: $63,741,469Liabilities 2021: $52,669,072Net Assets 2021: $11,072,3972021Assets 2022: $65,589,501Liabilities 2022: $53,784,281Net Assets 2022: $11,805,2202022Assets 2023: $66,445,218Liabilities 2023: $53,788,441Net Assets 2023: $12,656,7772023Assets 2024: $70,151,177Liabilities 2024: $57,305,780Net Assets 2024: $12,845,3972024

Highlighted filing

2024

Assets$70,151,177
Liabilities$57,305,780
Net Assets$12,845,397
Open 2024 Filing

Operations Trend

Revenue Growth87th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0Expenses 2010: $1,456,0782010Expenses 2011: $1,683,5662011Expenses 2012: $1,650,4222012Revenue 2013: $1,678,446Expenses 2013: $1,100,474Net Income 2013: $577,9722013Revenue 2015: $1,938,419Expenses 2015: $1,134,614Net Income 2015: $803,8052015Revenue 2016: $2,050,619Expenses 2016: $1,407,049Net Income 2016: $643,5702016Revenue 2017: $2,400,383Expenses 2017: $1,903,112Net Income 2017: $497,2712017Revenue 2018: $2,604,685Expenses 2018: $1,832,943Net Income 2018: $771,7422018Revenue 2019: $2,722,432Expenses 2019: $2,176,319Net Income 2019: $546,1132019Revenue 2020: $2,793,333Expenses 2020: $2,143,931Net Income 2020: $649,4022020Revenue 2021: $2,782,457Expenses 2021: $2,357,571Net Income 2021: $424,8862021Revenue 2022: $3,034,890Expenses 2022: $2,302,119Net Income 2022: $732,7712022Revenue 2023: $3,792,096Expenses 2023: $2,916,835Net Income 2023: $875,2612023Revenue 2024: $4,607,281Expenses 2024: $4,405,062Net Income 2024: $202,2192024

Highlighted filing

2024

Revenue$4,607,281
Expenses$4,405,062
Net Income$202,219
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$70,151,177
Liabilities
$57,305,780
Net assets
$12,845,397
Revenue
$4,607,281
Expenses
$4,405,062
Net income
$202,219
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$70.2$57.3$12.8$4.61$4.41$0.20
2023Detailed filing. Detailed filing data is available for this year.$66.4$53.8$12.7$3.79$2.92$0.88
2022Detailed filing. Detailed filing data is available for this year.$65.6$53.8$11.8$3.03$2.30$0.73
2021Detailed filing. Detailed filing data is available for this year.$63.7$52.7$11.1$2.78$2.36$0.42
2020Detailed filing. Detailed filing data is available for this year.$60.5$49.9$10.6$2.79$2.14$0.65
2019Detailed filing. Detailed filing data is available for this year.$52.1$42.1$10.00$2.72$2.18$0.55
2018Detailed filing. Detailed filing data is available for this year.$49.6$40.2$9.45$2.60$1.83$0.77
2017Detailed filing. Detailed filing data is available for this year.$50.2$41.5$8.68$2.40$1.90$0.50
2016Detailed filing. Detailed filing data is available for this year.$49.7$41.6$8.18$2.05$1.41$0.64
2015Detailed filing. Detailed filing data is available for this year.$42.1$34.8$7.24$1.94$1.13$0.80
2013Detailed filing. Detailed filing data is available for this year.$41.5$35.5$5.96$1.68$1.10$0.58
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.7$35.3$5.38$1.65
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.7$33.6$5.08$1.68
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.6$30.7$4.89$1.46
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 10, 2025
Return Version
2024v5.1
Gross Receipts
$4,607,281
Mission and Program Overview

Mission

State Chartered Credit Union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$50,456,748$53,484,561▲ $3,027,813
Rtn Earn Endowment Incm Other Fnds$12,656,777$12,845,397▲ $188,620
Investments Program Related$5,108,372$6,474,535▲ $1,366,163
Cash and Non-Interest-Bearing Accounts$4,841,379$4,700,077▼ $141,302
Receivables From Officers Etc$3,046,867$2,538,369▼ $508,498
Land, Buildings, and Equipment, Net$1,749,857$1,608,982▼ $140,875
Prepaid Expenses and Deferred Charges$33,663$34,055▲ $392
Total Assets$66,445,218$70,151,177▲ $3,705,959
Other Assets Total$1,208,332$1,310,598▲ $102,266
Liabilities
Other Liabilities$53,506,569$56,874,499▲ $3,367,930
Accounts Payable and Accrued Expenses$281,872$431,281▲ $149,409
Total Liabilities$53,788,441$57,305,780▲ $3,517,339
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,656,777$12,845,397▲ $188,620
Total Liabilities and Net Assets / Fund Balance$66,445,218$70,151,177▲ $3,705,959

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,140,655$560,976$1,701,631
Equipment$303,305$483,629$786,934
Investment Program Related Org$6,474,535--
Land$165,022--
Compensation and Service Providers
Top Officer Pay8th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Spencer HomsherCEOFT$87,994$87,994

Board Members and Trustees

NameTitle
Linda LuskBoard Chair
James FaullVice Chair
Bill HallDirector
Dennis JordanDirector
Wendi RiderDirector
Larkin SmithSecretary
Dawn RodarmelTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,121,672
Investment Income
$485,609
Other Revenue
$0
Change in Net Assets
$202,219
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,045,219
Salaries, Compensation, and Employee Benefits$1,359,843
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$2,073,636$0$0$2,073,636
Other Salaries and Wages$998,903$0$0$998,903
Other Employee Benefits$246,927$0$0$246,927
Fees for Services Other$219,990$0$0$219,990
Depreciation Depletion$140,849$0$0$140,849
Advertising$137,511$0$0$137,511
Current Officers, Directors, Trustees, and Key Employees$87,994$0$0$87,994
Occupancy$75,862$0$0$75,862
Insurance$43,239$0$0$43,239
Other Expenses$35,636$0$0$35,636
Office Expenses$33,145$0$0$33,145
Fees for Services Accounting$28,179$0$0$28,179
Pension Plan Contributions$26,019$0$0$26,019
Conferences and Meetings$14,014$0$0$14,014
Fees for Services Legal$1,238$0$0$1,238
Total Functional Expenses$4,405,062$0$0$4,405,062
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$3,046,867$2,538,369▼ $508,498
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$56,874,499
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Peoples Credit Union
EIN
84-0519638
Phone
7195236250
Address
125 Main St, Springfield, CO 81073

Signing Officer

Name
Spencer Homsher
Title
CEO
Phone
7195236250
Signed
2025-03-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Spencer Homsher
Formed
1956
Legal Domicile
Co
Voting Board Members
7
Independent Board Members
7
Employees
19
Volunteers
11

Preparer

Firm
Greg R Schmidt CPA
Address
26 Cypress Pt, Amarillo, TX 79124
Preparer
Greg R Schmidt
Phone
8552759297
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“All accountholders are members”

Pt VI, Line 7A

“All members have voting rights”

Pt VI, Line 11B

“Form 990 prepared by independent CPA”

Pt VI, Line 12C

“No conflicts exist”

Pt VI, Line 15A

“CEOs performance is reviewed annually by the Board”

Pt VI, Line 15B

“Upper Managements performance is reviewed annaully by the Board”

Pt XI

“CECL adjustment posted to undivided earnings”

Form 990, Part IX, Line 24E

“Dividend Expense 1452585. 1452585.”

Form 990, Part IX, Line 24E

“Loan Servicing 28359. 28359.”

Form 990, Part IX, Line 24E

“Educational Expense 6281. 6281.”

Form 990, Part IX, Line 24E

“Provision for Loan Loss 548761. 548761.”

Form 990, Part IX, Line 24E

“Misc 37650. 37650.”

Raw XML AppendixShowing 400 of 466 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/OfficeExpensesGrp/ProgramServicesAmt033145
IRS990/OfficeExpensesGrp/TotalAmt033145
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01208332
IRS990/OtherAssetsTotalGrp/EOYAmt01310598
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0246927
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0246927
IRS990/OtherExpensesGrp/Desc0Bank Charges
IRS990/OtherExpensesGrp/Desc1Dues and Fees
IRS990/OtherExpensesGrp/Desc2Debit/Credit Card
IRS990/OtherExpensesGrp/Desc3Communications
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt024745
IRS990/OtherExpensesGrp/ProgramServicesAmt121551
IRS990/OtherExpensesGrp/ProgramServicesAmt2195624
IRS990/OtherExpensesGrp/ProgramServicesAmt335636
IRS990/OtherExpensesGrp/TotalAmt024745
IRS990/OtherExpensesGrp/TotalAmt121551
IRS990/OtherExpensesGrp/TotalAmt2195624
IRS990/OtherExpensesGrp/TotalAmt335636
IRS990/OtherLiabilitiesGrp/BOYAmt053506569
IRS990/OtherLiabilitiesGrp/EOYAmt056874499
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0998903
IRS990/OtherSalariesAndWagesGrp/TotalAmt0998903
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt050456748
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt053484561
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt026019
IRS990/PensionPlanContributionsGrp/TotalAmt026019
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt033663
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt034055
IRS990/PrincipalOfficerNm0Spencer Homsher
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522110
IRS990/ProgramServiceRevenueGrp/BusinessCd1522110
IRS990/ProgramServiceRevenueGrp/BusinessCd2522110
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Miscellaneous Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03831130
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1259219
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt231323
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt12766
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0Checking Accounts: Peoples Credit Union provides checking accounts for its members.
IRS990/ProgSrvcAccomActy3Grp/Desc0Loans: Peoples Credit Union provides loans of all types.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0374455
IRS990/PYOtherExpensesAmt01893588
IRS990/PYOtherRevenueAmt03653
IRS990/PYProgramServiceRevenueAmt03413988
IRS990/PYRevenuesLessExpensesAmt0875261
IRS990/PYSalariesCompEmpBnftPaidAmt01023247
IRS990/PYTotalExpensesAmt02916835
IRS990/PYTotalRevenueAmt03792096
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt03046867
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt02538369
IRS990/ReconcilationRevenueExpnssAmt0202219
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012656777
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt012845397
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01140655
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0560976
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01701631
IRS990ScheduleD/EquipmentGrp/BookValueAmt0303305
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0483629
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0786934
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt06474535
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Money Market & CDs
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt0165022
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0165022
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt056874499
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01608982
IRS990ScheduleD/TotalBookValueProgramRltdAmt06474535
IRS990ScheduleD/TotalLiabilityAmt056874499
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01155800
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1406998
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2637240
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt398920
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4239411
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Agriculture
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1RE/Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2RE/Ag
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Secured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Various
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt02142199
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1800156
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2796200
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt3200000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt4288000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Larkin Smith
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Dennis Jordan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Dawn Rodarmel
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Linda lusk
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Spencer Homsher
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Secretary
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Board
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Treasurer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Chair
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/TotalBalanceDueAmt02538369
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0All accountholders are members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1All members have voting rights
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 prepared by independent CPA
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3No conflicts exist
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CEOs performance is reviewed annually by the Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Upper Managements performance is reviewed annaully by the Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CECL adjustment posted to undivided earnings
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Dividend Expense 1452585. 1452585.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Loan Servicing 28359. 28359.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Educational Expense 6281. 6281.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Provision for Loan Loss 548761. 548761.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Misc 37650. 37650.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt XI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part IX, Line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CO
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt066445218
IRS990/TotalAssetsEOYAmt070151177

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