Civic Intelligence

Zia Credit Union

990 • Fiscal year 2020 • EIN 85-0121717

Jan 01, 2020 to Dec 31, 2020 • Filed on Aug 20, 2021

Organization ProfileWWW.ZIACU.ORG

View Organization Page

P O Box 490Los Alamos, NM 87544

(505) 662-4671

Siviq Scores

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

Liabilities / Assets

89th percentile

0.92x

Higher debt load relative to assets than 89% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Liabilities / Revenue

32nd percentile

17.78x

Higher debt load relative to revenue than 32% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Net Margin

55th percentile

11%

Higher net margin than 55% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Top Officer Pay

34th percentile

$183,750

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Asset Growth

64th percentile

19%

Faster asset growth than 64% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Revenue Growth

84th percentile

4.2%

Faster revenue growth than 84% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets89th percentile

Assets

Flat

$176,263,640

Flat from 2020

Net Assets

Flat

$13,614,015

Flat from 2020

Liabilities

Flat

$162,649,625

Flat from 2020

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin55th percentile

Revenue

Flat

$9,147,956

Flat from 2020

Expenses

Flat

$8,125,053

Flat from 2020

Net Income

Flat

$1,022,903

Flat from 2020

Historical Trend

Balance Sheet Trend

Asset Growth64th percentile

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

$300M$200M$100M$0Assets 2010: $129,576,298Liabilities 2010: $118,762,464Net Assets 2010: $10,813,8342010Assets 2011: $132,468,644Liabilities 2011: $121,422,094Net Assets 2011: $11,046,5502011Assets 2012: $129,357,936Liabilities 2012: $118,261,298Net Assets 2012: $11,096,6382012Assets 2013: $130,285,403Liabilities 2013: $119,044,984Net Assets 2013: $11,240,4192013Assets 2014: $130,910,746Liabilities 2014: $119,367,267Net Assets 2014: $11,543,4792014Assets 2015: $132,265,839Liabilities 2015: $120,339,825Net Assets 2015: $11,926,0142015Assets 2016: $134,701,370Liabilities 2016: $122,192,958Net Assets 2016: $12,508,4122016Assets 2017: $136,666,860Liabilities 2017: $125,573,402Net Assets 2017: $11,093,4582017Assets 2018: $142,278,459Liabilities 2018: $130,269,102Net Assets 2018: $12,009,3572018Assets 2019: $148,460,894Liabilities 2019: $135,979,075Net Assets 2019: $12,481,8192019Assets 2020: $176,263,640Liabilities 2020: $162,649,625Net Assets 2020: $13,614,0152020Assets 2020: $176,263,640Liabilities 2020: $162,649,625Net Assets 2020: $13,614,0152020Assets 2021: $198,577,340Liabilities 2021: $183,681,950Net Assets 2021: $14,895,3902021Assets 2022: $204,844,412Liabilities 2022: $191,844,229Net Assets 2022: $13,000,1832022Assets 2023: $222,413,813Liabilities 2023: $208,039,653Net Assets 2023: $14,374,1602023Assets 2024: $237,383,440Liabilities 2024: $220,770,049Net Assets 2024: $16,613,3912024

Highlighted filing

2020

Assets$176,263,640
Liabilities$162,649,625
Net Assets$13,614,015
Open 2020 Filing

Operations Trend

Revenue Growth84th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $9,209,0572010Expenses 2011: $8,795,3502011Expenses 2012: $7,910,8192012Revenue 2013: $7,150,902Expenses 2013: $7,007,121Net Income 2013: $143,7812013Revenue 2014: $6,582,727Expenses 2014: $6,287,506Net Income 2014: $295,2212014Revenue 2015: $6,784,636Expenses 2015: $6,292,507Net Income 2015: $492,1292015Revenue 2016: $7,118,738Expenses 2016: $6,580,118Net Income 2016: $538,6202016Revenue 2017: $7,710,564Expenses 2017: $9,119,752Net Income 2017: -$1,409,1882017Revenue 2018: $8,341,668Expenses 2018: $7,428,184Net Income 2018: $913,4842018Revenue 2019: $8,777,423Expenses 2019: $8,360,411Net Income 2019: $417,0122019Revenue 2020: $9,147,956Expenses 2020: $8,125,053Net Income 2020: $1,022,9032020Revenue 2020: $9,147,956Expenses 2020: $8,125,053Net Income 2020: $1,022,9032020Revenue 2021: $10,872,858Expenses 2021: $8,923,078Net Income 2021: $1,949,7802021Revenue 2022: $11,938,323Expenses 2022: $9,716,698Net Income 2022: $2,221,6252022Revenue 2023: $12,462,271Expenses 2023: $11,587,885Net Income 2023: $874,3862023Revenue 2024: $14,289,740Expenses 2024: $13,032,661Net Income 2024: $1,257,0792024

Highlighted filing

2020

Revenue$9,147,956
Expenses$8,125,053
Net Income$1,022,903
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Aug 20, 2021
Return Version
2020v4.1
Gross Receipts
$9,246,678
Mission and Program Overview

Mission

New mexico state-chartered credit union providing financial services to its members as provided by the new mexico credit union act

New mexico state chartered credit union providing financial services to its members as provided by the new mexico credit union act

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$117,559,800$115,193,098▼ $2,366,702
Investments Other Securities$9,749,136$22,396,561▲ $12,647,425
Savings and Temporary Cash Investments$7,631,811$21,722,812▲ $14,091,001
Rtn Earn Endowment Incm Other Fnds$8,615,153$9,747,349▲ $1,132,196
Land, Buildings, and Equipment, Net$4,190,542$5,856,830▲ $1,666,288
Cap Stk Tr Prin Current Funds$3,866,666$3,866,666→ $0
Cash and Non-Interest-Bearing Accounts$1,091,871$1,422,320▲ $330,449
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$148,460,894$176,263,640▲ $27,802,746
Other Assets Total$8,237,734$9,672,019▲ $1,434,285
Liabilities
Other Liabilities$135,377,577$162,058,448▲ $26,680,871
Accounts Payable and Accrued Expenses$601,498$591,177▼ $10,321
Total Liabilities$135,979,075$162,649,625▲ $26,670,550
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,481,819$13,614,015▲ $1,132,196
Total Liabilities and Net Assets / Fund Balance$148,460,894$176,263,640▲ $27,802,746

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,348,121$1,933,769$5,281,890
Equipment$467,392$1,426,473$1,893,865
Land$1,892,297-$1,892,297
Other Land Buildings$149,020$210,540$359,560
Other Assets Org$85,000--
Other Securities$325,724--
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dwayne HerreraCEOFT$183,750$183,750
Paul JohnsonCFOFT$130,491$130,491

Board Members and Trustees

NameTitle
Lawrence GutierrezChairman/president
J C GarciaDirector
Janet ApodacaSecretary
Richard RoybalTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
EplData Processing22 INVERNESS CENTER PKWAY SUITE 40, Birmingham, AL 35242$469,780
Healthscope BenefitsBenefits Management27 CORPORATE HILL DR, Little Rock, AR 72205$339,233
Steady NetworksIt Support851 ST MICHAELS DR, Santa Fe, NM 87505$280,043
Newground International INCArchitecture15540 S OUTER FORTY DR STE 300, Chesterfield, MO 63017$254,138
Glory Global SolutionsCash & Teller Technology3333 WARRENVILLE RD 310, Lisle, IL 60532$190,911
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,326,060
Investment Income
$397,296
Other Revenue
$424,600
Change in Net Assets
$1,022,903

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,147,956
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$109,293
Total Revenue per Audited Statements
$9,257,249
Total Revenue per Form 990
$9,147,956
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$4,106,084
Other Expenses$4,018,969
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,760,380
Other Employee Benefits---$841,637
Fees for Services Other---$669,225
Occupancy---$472,010
Current Officers, Directors, Trustees, and Key Employees---$314,241
Office Expenses---$302,960
Information Technology---$280,042
All Other Expenses---$254,917
Other Expenses---$205,920
Depreciation Depletion---$193,485
Payroll Taxes---$189,826
Advertising---$177,958
Insurance---$78,938
Conferences and Meetings---$15,303
Total Functional Expenses$0$0$0$8,125,053

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,125,053
Total Expenses per Audited Statements$8,125,053
Total Expenses per Form 990$8,125,053
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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 Share Deposits$160,558,448
Accrued Judgement Expenses$1,500,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is owned and governed by its members. Members own shares (deposits), elect board members and vote on significant issues.”

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

“The members of the credit union vote annually on the board of directors for the credit union.”

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

“Form 990 is prepared by an independent cpa and a copy is provided to the board of directors and the management team prior to filing.”

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

“Each director signs a conflict of interest form annually which sets forth any conflicts or affirmatively states that there are no conflicts.”

Form 990, Part VI, Section B, Line 15

“The board of directors reviews compensation surveys and/or studies to determine appropriate compensation. The board approves the compensation of the ceo.”

Form 990, Part VI, Section C, Line 18

“Forms 1023 and 990 are available at the credit union's main location for review upon request.”

Form 990, Part VI, Section C, Line 19

“A copy of all governance documents, policies, financial statements and form 990 is maintained at the credit union's main location and is available for review upon request. Financial information is provided at the annual members meeting.”

Filing and Contact Details

Filer

Filer Name
Zia Credit Union
EIN
85-0121717
Phone
5056624671
Address
P O BOX 490, LOS ALAMOS, NM 87544

Signing Officer

Name
Paul Johnson
Title
Chief Financial Officer
Phone
5056624671
Signed
2021-08-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dwayne Herrera
Formed
1955
Legal Domicile
Nm
Voting Board Members
4
Independent Board Members
4
Employees
72
Volunteers
0

Preparer

Firm
Parks & Company Plc
Address
441 N WASHINGTON, EL DORADO, AR 71730
Preparer
G Pete Parks
Phone
8708623401
Raw XML AppendixShowing 400 of 440 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/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08237734
IRS990/OtherAssetsTotalGrp/EOYAmt09672019
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0841637
IRS990/OtherExpensesGrp/Desc0DIVIDENDS ON MEMBER SHA
IRS990/OtherExpensesGrp/Desc1ATM FEES
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3BANK SERVICE CHARGES
IRS990/OtherExpensesGrp/TotalAmt0741286
IRS990/OtherExpensesGrp/TotalAmt1386369
IRS990/OtherExpensesGrp/TotalAmt2240556
IRS990/OtherExpensesGrp/TotalAmt3205920
IRS990/OtherLiabilitiesGrp/BOYAmt0135377577
IRS990/OtherLiabilitiesGrp/EOYAmt0162058448
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522110
IRS990/OtherRevenueMiscGrp/Desc0RECOVERY OF PRIOR YEAR
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0424600
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0424600
IRS990/OtherRevenueTotalAmt0424600
IRS990/OtherSalariesAndWagesGrp/TotalAmt02760380
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0117559800
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0115193098
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0189826
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0DWAYNE HERRERA
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME ON LOA
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06615754
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11710306
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06615754
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11710306
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0260917
IRS990/PYOtherExpensesAmt04586702
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt08516506
IRS990/PYRevenuesLessExpensesAmt0417012
IRS990/PYSalariesCompEmpBnftPaidAmt03773709
IRS990/PYTotalExpensesAmt08360411
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08777423
IRS990/ReconcilationRevenueExpnssAmt01022903
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08615153
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09747349
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07631811
IRS990/SavingsAndTempCashInvstGrp/EOYAmt021722812
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03348121
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01933769
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05281890
IRS990ScheduleD/EquipmentGrp/BookValueAmt0467392
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01426473
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01893865
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt08125053
IRS990ScheduleD/LandGrp/BookValueAmt01892297
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01892297
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0109293
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0376216
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt11461204
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt230967
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt37718632
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt485000
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ASSETS HELD FOR SALE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3PREPAIDS AND DEPOSITS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4LOANS HELD FOR SALE
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0149020
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0210540
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0359560
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0160558448
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11500000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED JUDGEMENT EXPENSES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt020320837
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11750000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2325724
IRS990ScheduleD/OtherSecuritiesGrp/Desc0FEDERAL AGENCIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc2PERPETUAL CAPITAL CORP CREDIT UNIONS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/RevenueNotReportedAmt0109293
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt09147956
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05856830
IRS990ScheduleD/TotalBookValueOtherAssetsAmt09672019
IRS990ScheduleD/TotalBookValueSecuritiesAmt022396561
IRS990ScheduleD/TotalExpensesPerForm990Amt08125053
IRS990ScheduleD/TotalLiabilityAmt0162058448
IRS990ScheduleD/TotalRevenuePerForm990Amt09147956
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09257249
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08125053
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0183750
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DWAYNE HERRERA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0183750
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE BOARD OF DIRECTORS USES COMPENSATION INFORMATION PROVIDED BY TRADE ORGANZIATIONS TO ESTABLISH COMPENSATION AMOUNTS FOR THE CEO AND CFO.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS OWNED AND GOVERNED BY ITS MEMBERS. MEMBERS OWN SHARES (DEPOSITS), ELECT BOARD MEMBERS AND VOTE ON SIGNIFICANT ISSUES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE CREDIT UNION VOTE ANNUALLY ON THE BOARD OF DIRECTORS FOR THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 IS PREPARED BY AN INDEPENDENT CPA AND A COPY IS PROVIDED TO THE BOARD OF DIRECTORS AND THE MANAGEMENT TEAM PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3EACH DIRECTOR SIGNS A CONFLICT OF INTEREST FORM ANNUALLY WHICH SETS FORTH ANY CONFLICTS OR AFFIRMATIVELY STATES THAT THERE ARE NO CONFLICTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS REVIEWS COMPENSATION SURVEYS AND/OR STUDIES TO DETERMINE APPROPRIATE COMPENSATION. THE BOARD APPROVES THE COMPENSATION OF THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FORMS 1023 AND 990 ARE AVAILABLE AT THE CREDIT UNION'S MAIN LOCATION FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6A COPY OF ALL GOVERNANCE DOCUMENTS, POLICIES, FINANCIAL STATEMENTS AND FORM 990 IS MAINTAINED AT THE CREDIT UNION'S MAIN LOCATION AND IS AVAILABLE FOR REVIEW UPON REQUEST. FINANCIAL INFORMATION IS PROVIDED AT THE ANNUAL MEMBERS MEETING.
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 B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0148460894
IRS990/TotalAssetsEOYAmt0176263640
IRS990/TotalAssetsGrp/BOYAmt0148460894
IRS990/TotalAssetsGrp/EOYAmt0176263640
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt072
IRS990/TotalFunctionalExpensesGrp/TotalAmt08125053
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0135979075
IRS990/TotalLiabilitiesEOYAmt0162649625
IRS990/TotalLiabilitiesGrp/BOYAmt0135979075
IRS990/TotalLiabilitiesGrp/EOYAmt0162649625
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt012481819
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt013614015
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt08326060
IRS990/TotalReportableCompFromOrgAmt0314241
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt09147956
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt09147956
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0148460894
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0176263640
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01001 CENTRAL AVENUE

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$176,263,640
Liabilities
$162,649,625
Net assets
$13,614,015
Revenue
$9,147,956
Expenses
$8,125,053
Net income
$1,022,903
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$237$221$16.6$14.3$13.0$1.26
2023Summary only. Only limited summary data is available for this year.$222$208$14.4$12.5$11.6$0.87
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$205$192$13.0$11.9$9.72$2.22
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$199$184$14.9$10.9$8.92$1.95
2020Detailed filing. Detailed filing data is available for this year.$176$163$13.6$9.15$8.13$1.02
2020Summary only. Only limited summary data is available for this year.$176$163$13.6$9.15$8.13$1.02
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$148$136$12.5$8.78$8.36$0.42
2018Summary only. Only limited summary data is available for this year.$142$130$12.0$8.34$7.43$0.91
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$137$126$11.1$7.71$9.12$1.41
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$135$122$12.5$7.12$6.58$0.54
2015Detailed filing. Detailed filing data is available for this year.$132$120$11.9$6.78$6.29$0.49
2014Detailed filing. Detailed filing data is available for this year.$131$119$11.5$6.58$6.29$0.30
2013Detailed filing. Detailed filing data is available for this year.$130$119$11.2$7.15$7.01$0.14
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$129$118$11.1$7.91
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$132$121$11.0$8.80
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$119$10.8$9.21