Liabilities / Assets
89th percentile
Higher debt load relative to assets than 89% of similar nonprofits.
990 • Fiscal year 2022 • EIN 84-0818111
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
89th percentile
Higher debt load relative to assets than 89% of similar nonprofits.
Liabilities / Revenue
25th percentile
Higher debt load relative to revenue than 25% of similar nonprofits.
Net Margin
34th percentile
Higher net margin than 34% of similar nonprofits.
Top Officer Pay
89th percentile
Higher top officer pay than 89% of similar nonprofits.
Top officer pay equals 26.2% of source-year revenue.
Asset Growth
90th percentile
Faster asset growth than 90% of similar nonprofits.
Revenue Growth
25th percentile
Faster revenue growth than 25% of similar nonprofits.
Assets
Up$5,294,854
Up $291,013 (+5.8%) from 2021
Net Assets
Up$464,225
Up $2,789 (+0.6%) from 2021
Liabilities
Up$4,830,629
Up $288,224 (+6.3%) from 2021
Revenue
Down$317,940
Down $20,401 (-6.0%) from 2021
Expenses
Up$315,151
Up $9,345 (+3.1%) from 2021
Net Income
Down$2,789
Down $29,746 (-91%) from 2021
Options credit union (formally legal community credit union of colorado) was founded in 1979 for the purpose of providing an alternative financial service, focusing on personalized customer service, for our community.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $4,146,015 | $4,794,568 | ▲ $648,553 |
| Rtn Earn Endowment Incm Other Fnds | $461,436 | $464,225 | ▲ $2,789 |
| Savings and Temporary Cash Investments | $692,422 | $329,562 | ▼ $362,860 |
| Cash and Non-Interest-Bearing Accounts | $27,161 | $35,588 | ▲ $8,427 |
| Investments Other Securities | $20,000 | $20,000 | → $0 |
| Prepaid Expenses and Deferred Charges | $11,631 | $16,229 | ▲ $4,598 |
| Land, Buildings, and Equipment, Net | $7,349 | $6,442 | ▼ $907 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $5,003,841 | $5,294,854 | ▲ $291,013 |
| Other Assets Total | $99,263 | $92,465 | ▼ $6,798 |
| Liabilities | |||
| Other Liabilities | $4,524,194 | $4,803,678 | ▲ $279,484 |
| Accounts Payable and Accrued Expenses | $18,211 | $26,951 | ▲ $8,740 |
| Total Liabilities | $4,542,405 | $4,830,629 | ▲ $288,224 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $461,436 | $464,225 | ▲ $2,789 |
| Total Liabilities and Net Assets / Fund Balance | $5,003,841 | $5,294,854 | ▲ $291,013 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $6,442 | $135,043 | $141,485 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Sherry Espinoza | CEO | FT | $82,420 | $722 | $83,142 |
| Name | Title |
|---|---|
| Dawn Mcnight | Chairman |
| Dan Cuhlane | Vice Chair |
| Anita Marchant | Director |
| Dylan Woods | Director |
| Carrie Hale | Secretary |
| Tim Gaffigan | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $186,320 |
| Salaries, Compensation, and Employee Benefits | $128,831 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $83,142 |
| Fees for Services Other | - | - | - | $51,567 |
| Other Salaries and Wages | - | - | - | $36,143 |
| Occupancy | - | - | - | $22,917 |
| Other Expenses | - | - | - | $13,989 |
| Payroll Taxes | - | - | - | $9,157 |
| Depreciation Depletion | - | - | - | $2,670 |
| All Other Expenses | - | - | - | $1,847 |
| Advertising | - | - | - | $1,560 |
| Travel | - | - | - | $814 |
| Other Employee Benefits | - | - | - | $389 |
| Total Functional Expenses | $0 | $0 | $0 | $315,151 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Shares, Deposits and Certificates | $4,803,678 |
“Line 6 explanation - any member of the denver bar association or colorado bar association, employees of the denver or colorado bar association, employees of members of the denver or colorado bar associations, tenants/employees of the 1900 grant street building and creekside at columbine office park, members of the ppiac, members of the rmpa, employees of the coal mine centre group, and family members of the above. In 2015, members of consumers united association were added as potential members.”
“Line 7a explanation - the members elect the governing body by vote.”
“Line 7b explanation - merger - requires two thirds majority vote of voting members. Charter conversion - requires two thirds majority vote of voting members. Dissolution and liquidation - requires majority vote of entire membership.”
“Line 11b explanation - the form 990 is prepared by an independent cpa firm and then reviewed by the credit union's ceo before it is electronically filed.”
“Director compliance with conflict of interest policy is monitored by the ceo and the supervisory committee quarterly. A conflict of interest policy is signed annually by all staff and the board.”
“The ceo's compensation evaluation is completed annually by the board of directors. All other staff positions are evaluated by the ceo.”
“All documents are available for review in the office upon request.”
“Number of employees is reported as zero as the credit union does not file form w-3. Gusto payroll service, as common paymaster, files form w-3 under their own fein to report the compensation of all credit union employees.”
“OTHER 51,567.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 18211 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 26951 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | OPTIONS CREDIT UNION (FORMALLY LEGAL COMMUNITY CREDIT UNION OF COLORADO) WAS FOUNDED IN 1979 FOR THE PURPOSE OF PROVIDING AN ALTERNATIVE FINANCIAL SERVICE, FOCUSING ON PERSONALIZED CUSTOMER SERVICE, FOR OUR COMMUNITY. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 1560 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 1847 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | THE CREDIT UNION |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3038601117 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 5935 S ZANG ST 4 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | LITTLETON |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | CO |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 80127 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 27161 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 35588 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 83142 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 5817 |
| IRS990/CYOtherExpensesAmt | 0 | 186320 |
| IRS990/CYOtherRevenueAmt | 0 | 5276 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 306847 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 2789 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 128831 |
| IRS990/CYTotalExpensesAmt | 0 | 315151 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 317940 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 2670 |
| IRS990/Desc | 0 | THE CREDIT UNION IS OWNED BY APPROXIMATELY 720 MEMBERS. THE CREDIT UNION PROVIDES FINANCIAL SERVICES TO ITS MEMBERS, SUCH AS CONSUMER LENDING, MORTGAGE LENDING, CHECKING, SAVINGS, CERTIFICATE, AND IRA ACCOUNTS, ATM, DEBIT AND CREDIT CARDS, AND OTHER FINANCIAL SERVICES. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 0 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 51567 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 722 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | DAWN MCNIGHT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | CARRIE HALE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | DAN CUHLANE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | TIM GAFFIGAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | ANITA MARCHANT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | DYLAN WOODS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | SHERRY ESPINOZA |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 82420 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1979 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 6 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 317940 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 6 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 5817 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 5817 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 20000 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 20000 |
| IRS990/IRPDocumentCnt | 0 | 47 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 135043 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 7349 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 6442 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 141485 |
| IRS990/LegalDomicileStateCd | 0 | CO |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | OPTIONS CREDIT UNION (FORMALLY LEGAL COMMUNITY CREDIT UNION OF COLORADO) WAS FOUNDED IN 1979 FOR THE PURPOSE OF PROVIDING AN ALTERNATIVE FINANCIAL SERVICE, FOCUSING ON PERSONALIZED CUSTOMER SERVICE, FOR OUR COMMUNITY. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 461436 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 464225 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 22917 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 99263 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 92465 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 389 |
| IRS990/OtherExpensesGrp/Desc | 0 | OFFICE OPERATIONS EXPEN |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 2 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 3 | DIVIDENDS & INTEREST -M |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 52773 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 20491 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 17692 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 13989 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 4524194 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 4803678 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER NON OPERATING IN |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 5276 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 5276 |
| IRS990/OtherRevenueTotalAmt | 0 | 5276 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 36143 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 4146015 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 4794568 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 9157 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 11631 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 16229 |
| IRS990/PrincipalOfficerNm | 0 | SHERRY ESPINOZA |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST MEMBER LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES MEMBER SERVICE |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER OPERATING INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 243195 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 37580 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 26072 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 243195 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 37580 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 26072 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1387 |
| IRS990/PYOtherExpensesAmt | 0 | 174255 |
| IRS990/PYOtherRevenueAmt | 0 | 29926 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 307028 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 32535 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 131551 |
| IRS990/PYTotalExpensesAmt | 0 | 305806 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 338341 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 2789 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 461436 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 464225 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 692422 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 329562 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 6442 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 135043 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 141485 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 4803678 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES, DEPOSITS AND CERTIFICATES |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 6442 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 4803678 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | NUMBER OF EMPLOYEES IS REPORTED AS ZERO AS THE CREDIT UNION DOES NOT FILE FORM W-3. GUSTO PAYROLL SERVICE, AS COMMON PAYMASTER, FILES FORM W-3 UNDER THEIR OWN FEIN TO REPORT THE COMPENSATION OF ALL CREDIT UNION EMPLOYEES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | LINE 6 EXPLANATION - ANY MEMBER OF THE DENVER BAR ASSOCIATION OR COLORADO BAR ASSOCIATION, EMPLOYEES OF THE DENVER OR COLORADO BAR ASSOCIATION, EMPLOYEES OF MEMBERS OF THE DENVER OR COLORADO BAR ASSOCIATIONS, TENANTS/EMPLOYEES OF THE 1900 GRANT STREET BUILDING AND CREEKSIDE AT COLUMBINE OFFICE PARK, MEMBERS OF THE PPIAC, MEMBERS OF THE RMPA, EMPLOYEES OF THE COAL MINE CENTRE GROUP, AND FAMILY MEMBERS OF THE ABOVE. IN 2015, MEMBERS OF CONSUMERS UNITED ASSOCIATION WERE ADDED AS POTENTIAL MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | LINE 7A EXPLANATION - THE MEMBERS ELECT THE GOVERNING BODY BY VOTE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | LINE 7B EXPLANATION - MERGER - REQUIRES TWO THIRDS MAJORITY VOTE OF VOTING MEMBERS. CHARTER CONVERSION - REQUIRES TWO THIRDS MAJORITY VOTE OF VOTING MEMBERS. DISSOLUTION AND LIQUIDATION - REQUIRES MAJORITY VOTE OF ENTIRE MEMBERSHIP. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | LINE 11B EXPLANATION - THE FORM 990 IS PREPARED BY AN INDEPENDENT CPA FIRM AND THEN REVIEWED BY THE CREDIT UNION'S CEO BEFORE IT IS ELECTRONICALLY FILED. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | DIRECTOR COMPLIANCE WITH CONFLICT OF INTEREST POLICY IS MONITORED BY THE CEO AND THE SUPERVISORY COMMITTEE QUARTERLY. A CONFLICT OF INTEREST POLICY IS SIGNED ANNUALLY BY ALL STAFF AND THE BOARD. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE CEO'S COMPENSATION EVALUATION IS COMPLETED ANNUALLY BY THE BOARD OF DIRECTORS. ALL OTHER STAFF POSITIONS ARE EVALUATED BY THE CEO. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | ALL DOCUMENTS ARE AVAILABLE FOR REVIEW IN THE OFFICE UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | OTHER 51,567. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART 1,LINE 5 &PART V, LINE 2A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART IX, LINE 11G |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 5003841 |
| IRS990/TotalAssetsEOYAmt | 0 | 5294854 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 5003841 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 5294854 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 315151 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 4542405 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 4830629 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 4542405 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 4830629 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 461436 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 464225 |
| IRS990/TotalOtherCompensationAmt | 0 | 722 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 306847 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 82420 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 5817 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 312123 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 317940 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 5003841 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 5294854 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 814 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 5935 S ZANG ST 4 |
| IRS990/USAddress/CityNm | 0 | LITTLETON |
| IRS990/USAddress/StateAbbreviationCd | 0 | CO |
| IRS990/USAddress/ZIPCd | 0 | 80127 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 6 |
| IRS990/VotingMembersIndependentCnt | 0 | 6 |
| IRS990/WebsiteAddressTxt | 0 | WWW.COLORADOLEGAL.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | 1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd | 0 | AAL1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd | 0 | IAL1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd | 0 | 2 |
| ReturnHeader/BuildTS | 0 | 2023-04-26 12:10:37Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | SHERRY ESPINOZA |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 3038601117 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2023-10-30 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | OPTIONS CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | OPTI |
| ReturnHeader/Filer/EIN | 0 | 840818111 |
| ReturnHeader/Filer/PhoneNum | 0 | 3038601117 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 5935 S ZANG ST 4 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | LITTLETON |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | CO |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 80127 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | 0 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 840919886 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | JONES MERTSCHING CPAS PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 32186 CASTLE COURT SUITE 220 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | EVERGREEN |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | CO |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 80439 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 3034809090 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2023-11-07 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | ERIC L JONES CPA |
| ReturnHeader/ReturnTs | 0 | 2023-11-07T12:54:37-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm | 0 | SHERRY |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm | 0 | ESPINOZA |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2022-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2022-12-31 |
| ReturnHeader/TaxYr | 0 | 2022 |
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Displayed year
2022 • Form 990Detailed filing. Detailed filing data is available for this year.
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