Liabilities / Assets
96th percentile
Higher debt load relative to assets than 96% of similar nonprofits.
990 • Fiscal year 2023 • EIN 84-0818111
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
96th percentile
Higher debt load relative to assets than 96% of similar nonprofits.
Liabilities / Revenue
31st percentile
Higher debt load relative to revenue than 31% of similar nonprofits.
Net Margin
14th percentile
Higher net margin than 14% of similar nonprofits.
Top Officer Pay
88th percentile
Higher top officer pay than 88% of similar nonprofits.
Top officer pay equals 22.7% of source-year revenue.
Asset Growth
87th percentile
Faster asset growth than 87% of similar nonprofits.
Revenue Growth
20th percentile
Faster revenue growth than 20% of similar nonprofits.
Assets
Flat$5,480,692
Flat from 2023
Net Assets
Flat$447,667
Flat from 2023
Liabilities
Flat$5,033,025
Flat from 2023
Revenue
Flat$349,567
Flat from 2023
Expenses
Flat$366,125
Flat from 2023
Net Income
Flat-$16,558
Flat from 2023
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 | $4,794,568 | $4,793,099 | ▼ $1,469 |
| Savings and Temporary Cash Investments | $329,562 | $527,066 | ▲ $197,504 |
| Rtn Earn Endowment Incm Other Fnds | $464,225 | $447,667 | ▼ $16,558 |
| Cash and Non-Interest-Bearing Accounts | $35,588 | $24,108 | ▼ $11,480 |
| Investments Other Securities | $20,000 | $20,000 | → $0 |
| Prepaid Expenses and Deferred Charges | $16,229 | $16,447 | ▲ $218 |
| Land, Buildings, and Equipment, Net | $6,442 | $3,404 | ▼ $3,038 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $5,294,854 | $5,480,692 | ▲ $185,838 |
| Other Assets Total | $92,465 | $96,568 | ▲ $4,103 |
| Liabilities | |||
| Other Liabilities | $4,803,678 | $4,999,842 | ▲ $196,164 |
| Accounts Payable and Accrued Expenses | $26,951 | $33,183 | ▲ $6,232 |
| Total Liabilities | $4,830,629 | $5,033,025 | ▲ $202,396 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $464,225 | $447,667 | ▼ $16,558 |
| Total Liabilities and Net Assets / Fund Balance | $5,294,854 | $5,480,692 | ▲ $185,838 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $3,404 | $133,254 | $136,658 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Sherry Espinoza | CEO | FT | $79,238 | $79,238 |
| Name | Title |
|---|---|
| Tim Gaffigan | Chairman |
| Dan Cuhlane | Vice Chair |
| Dawn Mcnight | Director |
| Carrie Hale | Secretary |
| Alisa Steffen | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $238,382 |
| Salaries, Compensation, and Employee Benefits | $127,743 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Comp Disqual Persons | - | - | - | $79,238 |
| Fees for Services Other | - | - | - | $55,331 |
| Other Salaries and Wages | - | - | - | $39,399 |
| Occupancy | - | - | - | $28,672 |
| Other Expenses | - | - | - | $13,623 |
| Payroll Taxes | - | - | - | $9,106 |
| All Other Expenses | - | - | - | $4,767 |
| Depreciation Depletion | - | - | - | $3,038 |
| Advertising | - | - | - | $1,732 |
| Conferences and Meetings | - | - | - | $450 |
| Interest | - | - | - | $2 |
| Total Functional Expenses | $0 | $0 | $0 | $366,125 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Shares, Deposits and Certificates | $4,999,842 |
“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 55,331.”
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 | 26951 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 33183 |
| 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 | 1732 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 4767 |
| 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 | 35588 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 24108 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 79238 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 450 |
| 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 | 13816 |
| IRS990/CYOtherExpensesAmt | 0 | 238382 |
| IRS990/CYOtherRevenueAmt | 0 | 1124 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 334627 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -16558 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 127743 |
| IRS990/CYTotalExpensesAmt | 0 | 366125 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 349567 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 3038 |
| IRS990/Desc | 0 | THE CREDIT UNION IS OWNED BY APPROXIMATELY 700 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 | 55331 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 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/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/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 | ALISA STEFFEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | 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 | 79238 |
| 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/TitleTxt | 0 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | 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 | 5 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 349567 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InterestGrp/TotalAmt | 0 | 2 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 13816 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 13816 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 20000 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 20000 |
| IRS990/IRPDocumentCnt | 0 | 55 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 133254 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 6442 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 3404 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 136658 |
| 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 | 464225 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 447667 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 28672 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 92465 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 96568 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/Desc | 0 | OFFICE OPERATIONS EXPEN |
| IRS990/OtherExpensesGrp/Desc | 1 | DIVIDENDS & INTEREST -M |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 57330 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 49219 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 24218 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 13623 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 4803678 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 4999842 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER NON OPERATING IN |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1124 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 1124 |
| IRS990/OtherRevenueTotalAmt | 0 | 1124 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 39399 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 4794568 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 4793099 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 9106 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 16229 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 16447 |
| 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 | 277846 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 35527 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 21254 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 277846 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 35527 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 21254 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 5817 |
| IRS990/PYOtherExpensesAmt | 0 | 186320 |
| IRS990/PYOtherRevenueAmt | 0 | 5276 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 306847 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 2789 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 128831 |
| IRS990/PYTotalExpensesAmt | 0 | 315151 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 317940 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -16558 |
| 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 | 464225 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 447667 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 329562 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 527066 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 3404 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 133254 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 136658 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 4999842 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES, DEPOSITS AND CERTIFICATES |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 3404 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 4999842 |
| 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 55,331. |
| 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 |
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| 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 |
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| IRS990/TotalAssetsGrp/EOYAmt | 0 | 5480692 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 366125 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 4830629 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 5033025 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 4830629 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 5033025 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 464225 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 447667 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 334627 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 79238 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 13816 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 335751 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 349567 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 8 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 5294854 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 5480692 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| 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 | 5 |
| IRS990/VotingMembersIndependentCnt | 0 | 5 |
| IRS990/WebsiteAddressTxt | 0 | WWW.COLORADOLEGAL.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2024-10-15 13:58:12Z |
| 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 | 2024-11-07 |
| 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 | 2024-11-07 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | ERIC L JONES CPA |
| ReturnHeader/ReturnTs | 0 | 2024-11-07T15:32:35-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2023-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2023-12-31 |
| ReturnHeader/TaxYr | 0 | 2023 |
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Displayed year
2023 • Form 990Detailed filing. Detailed filing data is available for this year.