Civic Intelligence

Metrum Community Credit Union Co Steve Kelly

EIN 84-6030822 • 501(c)14 • Centennial, CO

View Organization Page

Profile

To promote thrift and provide lower cost credit to the members of the credit union. To promote thrift among members by affording them the opportunity to accumulate payments on shares and to make loans from these shares to its members.

6980 S Holly CircleCentennial, CO 80112

www.metrumcu.org

Siviq Scores

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

Liabilities / Assets

30th percentile

0.87x

Higher debt load relative to assets than 30% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

45th percentile

15.20x

Higher debt load relative to revenue than 45% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

42nd percentile

9.7%

Higher net margin than 42% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

39th percentile

1.0%

Faster asset growth than 39% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

60th percentile

17%

Faster revenue growth than 60% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets30th percentile

Assets

Up

$106,077,406

Up $1,040,471 (+1.0%) from 2023

Liabilities

Up

$92,742,773

Up $446,962 (+0.5%) from 2023

Net Assets

Up

$13,334,633

Up $593,509 (+4.7%) from 2023

Operations
Liabilities / Revenue45th percentileNet Margin42nd percentile

Revenue

Up

$6,103,417

Up $900,440 (+17%) from 2023

Expenses

Up

$5,509,909

Up $1,013,059 (+23%) from 2023

Net Income

Down

$593,508

Down $112,619 (-16%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth39th percentile

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

$150M$100M$50M$0Assets 2010: $50,073,016Liabilities 2010: $44,574,239Net Assets 2010: $5,498,7772010Assets 2011: $49,226,917Liabilities 2011: $43,378,567Net Assets 2011: $5,848,3502011Assets 2012: $53,777,038Liabilities 2012: $47,430,594Net Assets 2012: $6,346,4442012Assets 2013: $55,979,210Liabilities 2013: $49,024,175Net Assets 2013: $6,955,0352013Assets 2014: $60,717,723Liabilities 2014: $53,228,507Net Assets 2014: $7,489,2162014Assets 2015: $64,336,961Liabilities 2015: $56,320,301Net Assets 2015: $8,016,6602015Assets 2016: $64,967,389Liabilities 2016: $56,385,332Net Assets 2016: $8,582,0572016Assets 2017: $68,427,132Liabilities 2017: $59,203,668Net Assets 2017: $9,223,4642017Assets 2018: $73,190,093Liabilities 2018: $63,519,230Net Assets 2018: $9,670,8632018Assets 2019: $79,707,571Liabilities 2019: $69,504,853Net Assets 2019: $10,202,7182019Assets 2020: $88,537,439Liabilities 2020: $77,837,548Net Assets 2020: $10,699,8912020Assets 2021: $98,830,734Liabilities 2021: $87,439,583Net Assets 2021: $11,391,1512021Assets 2022: $99,303,602Liabilities 2022: $87,243,044Net Assets 2022: $12,060,5582022Assets 2023: $105,036,935Liabilities 2023: $92,295,811Net Assets 2023: $12,741,1242023Assets 2024: $106,077,406Liabilities 2024: $92,742,773Net Assets 2024: $13,334,6332024

Highlighted filing

2024

Assets$106,077,406
Liabilities$92,742,773
Net Assets$13,334,633
Open 2024 Filing

Operations Trend

Revenue Growth60th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $2,430,4392010Expenses 2011: $2,193,1812011Expenses 2012: $1,991,0342012Revenue 2013: $2,469,620Expenses 2013: $1,861,029Net Income 2013: $608,5912013Revenue 2014: $2,479,080Expenses 2014: $1,944,898Net Income 2014: $534,1822014Revenue 2015: $2,573,410Expenses 2015: $2,045,966Net Income 2015: $527,4442015Revenue 2016: $2,650,544Expenses 2016: $2,085,149Net Income 2016: $565,3952016Revenue 2017: $2,984,273Expenses 2017: $2,342,866Net Income 2017: $641,4072017Revenue 2018: $3,135,649Expenses 2018: $2,688,250Net Income 2018: $447,3992018Revenue 2019: $3,557,050Expenses 2019: $3,025,195Net Income 2019: $531,8552019Revenue 2020: $3,463,199Expenses 2020: $2,966,026Net Income 2020: $497,1732020Revenue 2021: $3,551,291Expenses 2021: $2,860,031Net Income 2021: $691,2602021Revenue 2022: $3,914,556Expenses 2022: $3,245,149Net Income 2022: $669,4072022Revenue 2023: $5,202,977Expenses 2023: $4,496,850Net Income 2023: $706,1272023Revenue 2024: $6,103,417Expenses 2024: $5,509,909Net Income 2024: $593,5082024

Highlighted filing

2024

Revenue$6,103,417
Expenses$5,509,909
Net Income$593,508
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$106,077,406
Liabilities
$92,742,773
Net assets
$13,334,633
Revenue
$6,103,417
Expenses
$5,509,909
Net income
$593,508
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$106$92.7$13.3$6.10$5.51$0.59
2023Summary only. Only limited summary data is available for this year.$105$92.3$12.7$5.20$4.50$0.71
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$99.3$87.2$12.1$3.91$3.25$0.67
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$98.8$87.4$11.4$3.55$2.86$0.69
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$88.5$77.8$10.7$3.46$2.97$0.50
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$79.7$69.5$10.2$3.56$3.03$0.53
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$73.2$63.5$9.67$3.14$2.69$0.45
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$68.4$59.2$9.22$2.98$2.34$0.64
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$65.0$56.4$8.58$2.65$2.09$0.57
2015Detailed filing. Detailed filing data is available for this year.$64.3$56.3$8.02$2.57$2.05$0.53
2014Detailed filing. Detailed filing data is available for this year.$60.7$53.2$7.49$2.48$1.94$0.53
2013Detailed filing. Detailed filing data is available for this year.$56.0$49.0$6.96$2.47$1.86$0.61
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.8$47.4$6.35$1.99
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.2$43.4$5.85$2.19
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.1$44.6$5.50$2.43
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 14, 2023
Return Version
2022v5.0
Gross Receipts
$3,914,556
Mission and Program Overview

Mission

To promote thrift and provide lower cost credit to the members of the credit union. To promote thrift among members by affording them the opportunity to accumulate payments on shares and to make loans from these shares to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$53,368,767$65,730,038▲ $12,361,271
Investments Other Securities$28,597,654$23,449,592▼ $5,148,062
Rtn Earn Endowment Incm Other Fnds$10,146,738$10,816,145▲ $669,407
Savings and Temporary Cash Investments$11,613,451$3,376,329▼ $8,237,122
Land, Buildings, and Equipment, Net$1,520,943$1,451,495▼ $69,448
Pd in Cap Srpls Land Bldg Eqp Fund$1,244,413$1,244,413→ $0
Cash and Non-Interest-Bearing Accounts$190,059$245,720▲ $55,661
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$98,830,734$99,303,602▲ $472,868
Other Assets Total$3,539,860$5,050,428▲ $1,510,568
Liabilities
Other Liabilities$86,622,417$86,023,160▼ $599,257
Accounts Payable and Accrued Expenses$817,166$1,219,884▲ $402,718
Total Liabilities$87,439,583$87,243,044▼ $196,539
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,391,151$12,060,558▲ $669,407
Total Liabilities and Net Assets / Fund Balance$98,830,734$99,303,602▲ $472,868

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,004,055$532,748$1,536,803
Equipment$110,691$406,236$516,927
Land$336,748-$336,748
Leasehold Improvements$1$137,587$137,588
Other Assets Org$837,566--
Other Securities$7,013,553--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brandt PetersonCEOFT$150,600$10,859$161,459
Karen PadrevitaDirector of It & MarketingFT$79,749$18,504$98,253
Amber BredensteinDirector of LendingFT$79,600$11,880$91,480
Jovelyn SisonDirector of Member ServiceFT$78,832$9,175$88,007

Board Members and Trustees

NameTitle
Richard FlaniganChair/board Member
Deborah SampsonVice Chair/board Member
Allen HarimonDirector/board Member
Andrea SuhakaDirector/board Member
Randy VerbleDirector/board Member
Steve SexsonDirector/board Member
John BartonSecretary/board Member
Jennifer Oswald-boswellTreasurer/board Member

Highest Paid Contractors

ContractorServicesLocationCompensation
CunwData Processing1421 N MEADOWWOOD LANE SUITE 130, Liberty Lake, WA 99019$129,948
CudcVehicle Lending & Origination5680 GREENWOOD PLAZA BLVD SUITE 40, Greenwood Village, CO 80111$116,785
Cu Cooperative SystemsTechnological Financial Solutions9692 HAVEN AVE, Rancho Cucamonga, CA 91730$104,433
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,453,940
Investment Income
$460,616
Other Revenue
$0
Change in Net Assets
$669,407
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,949,486
Salaries, Compensation, and Employee Benefits$1,295,663
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$644,720
Current Officers, Directors, Trustees, and Key Employees---$439,199
Fees for Services Other---$343,196
Office Expenses---$168,171
Other Employee Benefits---$99,588
Occupancy---$91,848
Advertising---$89,174
Payroll Taxes---$79,810
Depreciation Depletion---$71,774
Other Expenses---$34,766
Pension Plan Contributions---$32,346
Fees for Services Accounting---$12,441
All Other Expenses---$9,283
Travel---$6,829
Conferences and Meetings---$4,792
Fees for Services Legal---$1,500
Total Functional Expenses$0$0$0$3,245,149
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposit Accounts$85,740,778
Deferred Compensation Liability$282,382
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 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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Metrum community credit union is a member-owned financial cooperative operated for the benefit of employees and their families of honeywell corporation. The credit union has since amended their charter to include organizations and associations in the metro-denver area, and their family members.”

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

“The members of the credit union annually elect the board of directors to serve for multiple-year terms by mailing in ballots or voting at an annual meeting.”

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

“Various decisions made by the board of directors for a credit union are subject to approval by the members of the credit union as set forth in ncua rules and regulations and applicable state regulations.”

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

“The completed form 990 is reviewed by the president/ceo prior to filing. Currently, the board of directors does not review the form 990 filing.”

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

“The month after the annual meeting is held, new disclosures are given to each volunteer, to the management team and to all staff. Compliance with obtaining the signed documents is reported in the monthly board meeting minutes. In addition, an audit of this area is completed by our state examiners.”

Form 990, Part VI, Section B, Line 15

“The credit union utilizes a third party hrn performance solutions for its compensation program. This program includes a comprehensive analysis in evaluating job positions and salary grades, and an objective management review process, which is completed on an annual basis. The salary ranges are calculated by gathering averages from multiple different industries, which includes credit unions, banks, and the insurance industry. Management's total compensation package includes a base pay and a variable program. The base pay program has been described and the variable pay portion is based on financial goals and objectives as set by the board of directors. Reviews of staff and management are performed on an annual basis.”

Form 990, Part VI, Section C, Line 19

“The month after our annual meeting is held new disclosures are given to each volunteer, to the management team and to all staff. Compliance with obtaining the signed documents is reported in the monthly board meeting minutes. In addition, an audit of this area is completed by our state examiners. The staff ethics policy is attached to this document. Monthly financial statements are available and on display at the credit union. Quarterly financial data is accessible to the public at www.ncua.gov.”

Filing and Contact Details

Filer

Filer Name
Metrum Community Credit Union
EIN
84-6030822
Phone
3037704468
Address
6980 S HOLLY CIRCLE, CENTENNIAL, CO 80112

Signing Officer

Name
Theresa Luci
Title
Controller
Phone
3037704468
Signed
2023-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Theresa Luci
Formed
1946
Legal Domicile
Co
Voting Board Members
8
Independent Board Members
8
Employees
27
Volunteers
13

Preparer

Firm
Singerlewak Llp
Address
10960 WILSHIRE BLVD SUITE 1100, LOS ANGELES, CA 90024
Preparer
Nanaz Benyamini
Phone
3104773924
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other professional fees 343,196.”

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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0817166
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01219884
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROMOTE THRIFT AND PROVIDE LOWER COST CREDIT TO THE MEMBERS OF THE CREDIT UNION. TO PROMOTE THRIFT AMONG MEMBERS BY AFFORDING THEM THE OPPORTUNITY TO ACCUMULATE PAYMENTS ON SHARES AND TO MAKE LOANS FROM THESE SHARES TO ITS MEMBERS.
IRS990/AdvertisingGrp/TotalAmt089174
IRS990/AllOtherExpensesGrp/TotalAmt09283
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0THERESA LUCI
IRS990/BooksInCareOfDetail/PhoneNum03037704468
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt06980 S HOLLY CIRCLE
IRS990/BooksInCareOfDetail/USAddress/CityNm0CENTENNIAL
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd080112
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0190059
IRS990/CashNonInterestBearingGrp/EOYAmt0245720
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt03
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0439199
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt04792
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0129948
IRS990/ContractorCompensationGrp/CompensationAmt1116785
IRS990/ContractorCompensationGrp/CompensationAmt2104433
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt01421 N MEADOWWOOD LANE SUITE 130
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt15680 GREENWOOD PLAZA BLVD SUITE 40
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt29692 HAVEN AVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0LIBERTY LAKE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1GREENWOOD VILLAGE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2RANCHO CUCAMONGA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0WA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1CO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd099019
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd180111
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd291730
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CUNW
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1CUDC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2CU COOPERATIVE SYSTEMS
IRS990/ContractorCompensationGrp/ServicesDesc0DATA PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc1VEHICLE LENDING & ORIGINATION
IRS990/ContractorCompensationGrp/ServicesDesc2TECHNOLOGICAL FINANCIAL SOLUTIONS
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0460616
IRS990/CYOtherExpensesAmt01949486
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt03453940
IRS990/CYRevenuesLessExpensesAmt0669407
IRS990/CYSalariesCompEmpBnftPaidAmt01295663
IRS990/CYTotalExpensesAmt03245149
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03914556
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt071774
IRS990/Desc0PROVIDE A WIDE VARIETY OF FINANCIAL PRODUCTS AND SERVICES TO MEMBERS OFTHE CREDIT UNION. OVER 5,300 MEMBERS SERVED.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt027
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt012441
IRS990/FeesForServicesLegalGrp/TotalAmt01500
IRS990/FeesForServicesOtherGrp/TotalAmt0343196
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt810559
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt911880
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1018504
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt119175
IRS990/Form990PartVIISectionAGrp/PersonNm0DEBORAH SAMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm1STEVE SEXSON
IRS990/Form990PartVIISectionAGrp/PersonNm2ANDREA SUHAKA
IRS990/Form990PartVIISectionAGrp/PersonNm3RICHARD FLANIGAN
IRS990/Form990PartVIISectionAGrp/PersonNm4JENNIFER OSWALD-BOSWELL
IRS990/Form990PartVIISectionAGrp/PersonNm5ALLEN HARIMON
IRS990/Form990PartVIISectionAGrp/PersonNm6JOHN BARTON
IRS990/Form990PartVIISectionAGrp/PersonNm7RANDY VERBLE
IRS990/Form990PartVIISectionAGrp/PersonNm8BRANDT PETERSON
IRS990/Form990PartVIISectionAGrp/PersonNm9AMBER BREDENSTEIN
IRS990/Form990PartVIISectionAGrp/PersonNm10KAREN PADREVITA
IRS990/Form990PartVIISectionAGrp/PersonNm11JOVELYN SISON
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8150900
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt979600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1079749
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1178832
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE CHAIR/BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR/BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR/BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIR/BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER/BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR/BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY/BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR/BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR OF IT & MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR OF MEMBER SERVICE
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IRS990/FormationYr01946
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
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IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt029589
IRS990/GrossReceiptsAmt03914556
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IRS990/IncludeFIN48FootnoteInd00
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IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0431027
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt023449592
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IRS990/LegalDomicileStateCd0CO
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
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IRS990/LocalChaptersInd01
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IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROMOTE THRIFT AND PROVIDE LOWER COST CREDIT TO THE MEMBERS OF THE CREDIT UNION. TO PROMOTE THRIFT AMONG MEMBERS BY AFFORDING THEM THE OPPORTUNITY TO ACCUMULATE PAYMENTS ON SHARES AND TO MAKE LOANS FROM THESE SHARES TO ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt011391151
IRS990/NetAssetsOrFundBalancesEOYAmt012060558
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt029589
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt029589
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt091848
IRS990/OfficeExpensesGrp/TotalAmt0168171
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03539860
IRS990/OtherAssetsTotalGrp/EOYAmt05050428
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt099588
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1DIVIDEND/INTEREST MEMBE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS OPERTING
IRS990/OtherExpensesGrp/TotalAmt0469025
IRS990/OtherExpensesGrp/TotalAmt1451555
IRS990/OtherExpensesGrp/TotalAmt2195132
IRS990/OtherExpensesGrp/TotalAmt334766
IRS990/OtherLiabilitiesGrp/BOYAmt086622417
IRS990/OtherLiabilitiesGrp/EOYAmt086023160
IRS990/OtherSalariesAndWagesGrp/TotalAmt0644720
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt053368767
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt065730038
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt079810
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt01244413
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt01244413
IRS990/PensionPlanContributionsGrp/TotalAmt032346
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0THERESA LUCI
IRS990/ProfessionalFundraisingInd00
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IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS TO M
IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES AND OTHER CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02745797
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1377527
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2330616
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02745797
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1377527
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2330616
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0461468
IRS990/PYOtherExpensesAmt01672998
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03089823
IRS990/PYRevenuesLessExpensesAmt0691260
IRS990/PYSalariesCompEmpBnftPaidAmt01187033
IRS990/PYTotalExpensesAmt02860031
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03551291
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0669407
IRS990/RegularMonitoringEnfrcInd01
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IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010146738
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010816145
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011613451
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03376329
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IRS990ScheduleD/BuildingsGrp/BookValueAmt01004055
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0532748
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01536803
IRS990ScheduleD/EquipmentGrp/BookValueAmt0110691
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0406236
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0516927
IRS990ScheduleD/LandGrp/BookValueAmt0336748
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0336748
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0137587
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0137588
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt04212862
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1837566
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0OTHER ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUA DEPOSIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt085740778
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1282382
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1DEFERRED COMPENSATION LIABILITY
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt015906000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt191737
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt262500
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3247657
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt4128145
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt57013553
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CO-OP FINANCIAL SERVICES CUSO INVESTMENT
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CUNW CUSO INVESTMENT
IRS990ScheduleD/OtherSecuritiesGrp/Desc3PERPETUAL CAPITAL AT CORPORATE CREDIT UNION
IRS990ScheduleD/OtherSecuritiesGrp/Desc4OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc5HELD TO MATURITY DEBT SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01451495
IRS990ScheduleD/TotalBookValueOtherAssetsAmt05050428
IRS990ScheduleD/TotalBookValueSecuritiesAmt023449592
IRS990ScheduleD/TotalLiabilityAmt086023160
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0300
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt03893
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt06666
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0BRANDT PETERSON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0161459
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION MAINTAINS A 457(F) SUPPLEMENTAL RETIREMENT PLAN THAT CERTAIN STAFF PARTICIPATE IN. FOR CALENDAR YEAR 2022, THERE WERE NO ACCRUALS OR PAYOUTS OF BENEFITS.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0METRUM COMMUNITY CREDIT UNION IS A MEMBER-OWNED FINANCIAL COOPERATIVE OPERATED FOR THE BENEFIT OF EMPLOYEES AND THEIR FAMILIES OF HONEYWELL CORPORATION. THE CREDIT UNION HAS SINCE AMENDED THEIR CHARTER TO INCLUDE ORGANIZATIONS AND ASSOCIATIONS IN THE METRO-DENVER AREA, AND THEIR FAMILY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE CREDIT UNION ANNUALLY ELECT THE BOARD OF DIRECTORS TO SERVE FOR MULTIPLE-YEAR TERMS BY MAILING IN BALLOTS OR VOTING AT AN ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2VARIOUS DECISIONS MADE BY THE BOARD OF DIRECTORS FOR A CREDIT UNION ARE SUBJECT TO APPROVAL BY THE MEMBERS OF THE CREDIT UNION AS SET FORTH IN NCUA RULES AND REGULATIONS AND APPLICABLE STATE REGULATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE COMPLETED FORM 990 IS REVIEWED BY THE PRESIDENT/CEO PRIOR TO FILING. CURRENTLY, THE BOARD OF DIRECTORS DOES NOT REVIEW THE FORM 990 FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE MONTH AFTER THE ANNUAL MEETING IS HELD, NEW DISCLOSURES ARE GIVEN TO EACH VOLUNTEER, TO THE MANAGEMENT TEAM AND TO ALL STAFF. COMPLIANCE WITH OBTAINING THE SIGNED DOCUMENTS IS REPORTED IN THE MONTHLY BOARD MEETING MINUTES. IN ADDITION, AN AUDIT OF THIS AREA IS COMPLETED BY OUR STATE EXAMINERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION UTILIZES A THIRD PARTY HRN PERFORMANCE SOLUTIONS FOR ITS COMPENSATION PROGRAM. THIS PROGRAM INCLUDES A COMPREHENSIVE ANALYSIS IN EVALUATING JOB POSITIONS AND SALARY GRADES, AND AN OBJECTIVE MANAGEMENT REVIEW PROCESS, WHICH IS COMPLETED ON AN ANNUAL BASIS. THE SALARY RANGES ARE CALCULATED BY GATHERING AVERAGES FROM MULTIPLE DIFFERENT INDUSTRIES, WHICH INCLUDES CREDIT UNIONS, BANKS, AND THE INSURANCE INDUSTRY. MANAGEMENT'S TOTAL COMPENSATION PACKAGE INCLUDES A BASE PAY AND A VARIABLE PROGRAM. THE BASE PAY PROGRAM HAS BEEN DESCRIBED AND THE VARIABLE PAY PORTION IS BASED ON FINANCIAL GOALS AND OBJECTIVES AS SET BY THE BOARD OF DIRECTORS. REVIEWS OF STAFF AND MANAGEMENT ARE PERFORMED ON AN ANNUAL BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE MONTH AFTER OUR ANNUAL MEETING IS HELD NEW DISCLOSURES ARE GIVEN TO EACH VOLUNTEER, TO THE MANAGEMENT TEAM AND TO ALL STAFF. COMPLIANCE WITH OBTAINING THE SIGNED DOCUMENTS IS REPORTED IN THE MONTHLY BOARD MEETING MINUTES. IN ADDITION, AN AUDIT OF THIS AREA IS COMPLETED BY OUR STATE EXAMINERS. THE STAFF ETHICS POLICY IS ATTACHED TO THIS DOCUMENT. MONTHLY FINANCIAL STATEMENTS ARE AVAILABLE AND ON DISPLAY AT THE CREDIT UNION. QUARTERLY FINANCIAL DATA IS ACCESSIBLE TO THE PUBLIC AT WWW.NCUA.GOV.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7OTHER PROFESSIONAL FEES 343,196.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt098830734
IRS990/TotalAssetsEOYAmt099303602
IRS990/TotalAssetsGrp/BOYAmt098830734
IRS990/TotalAssetsGrp/EOYAmt099303602
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt027

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