Liabilities / Assets
6th percentile
Higher debt load relative to assets than 6% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
6th percentile
Higher debt load relative to assets than 6% of similar nonprofits.
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
7th percentile
Faster asset growth than 7% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Assets
Down$397,442,816
Down $13,534,108 (-3.3%) from 2010
Net Assets
Down$382,929,569
Down $14,906,772 (-3.7%) from 2010
Liabilities
Up$14,513,247
Up $1,372,664 (+10%) from 2010
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$20,173,563
Down $9,729,973 (-33%) from 2010
Net Income
-
No earlier filing loaded for comparison.
Non-profit cooperative that provides banking and other financial services to its members.
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/AccountantCompileOrReview | 0 | false |
| IRS990/AccountsPayableAccruedExpenses/BOY | 0 | 3330746 |
| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 3135513 |
| IRS990/AccountsReceivable/BOY | 0 | 200247 |
| IRS990/AccountsReceivable/EOY | 0 | 150599 |
| IRS990/ActivitiesConductedPartnership | 0 | false |
| IRS990/ActivityOrMissionDescription | 0 | PROVIDING LOANS / SERVICES TO CREDIT UNION MEMBERS |
| IRS990/AllOtherExpenses/ProgramServices | 0 | 1306084 |
| IRS990/AllOtherExpenses/Total | 0 | 1306084 |
| IRS990/AnnualDisclosureCoveredPersons | 0 | true |
| IRS990/BenefitsPaidToMembersCY | 0 | 0 |
| IRS990/BsnssRltnshpThruFamilyMember | 0 | false |
| IRS990/BsnssRltnshpWithOrganization | 0 | false |
| IRS990/CapStckTrstPrinCurrentFunds/BOY | 0 | 383944117 |
| IRS990/CapStckTrstPrinCurrentFunds/EOY | 0 | 369017054 |
| IRS990/CashNonInterestBearing/BOY | 0 | 85410493 |
| IRS990/CashNonInterestBearing/EOY | 0 | 93982736 |
| IRS990/ChangesToOrganizingDocs | 0 | false |
| IRS990/CollectionsOfArt | 0 | false |
| IRS990/CompCurrentOfficersDirectors/ProgramServices | 0 | 864023 |
| IRS990/CompCurrentOfficersDirectors/Total | 0 | 864023 |
| IRS990/CompensationFromOtherSources | 0 | false |
| IRS990/CompensationProcessCEO | 0 | true |
| IRS990/CompensationProcessOther | 0 | false |
| IRS990/ComplianceWithBackupWitholding | 0 | false |
| IRS990/ConferencesMeetings/ProgramServices | 0 | 76272 |
| IRS990/ConferencesMeetings/Total | 0 | 76272 |
| IRS990/ConflictOfInterestPolicy | 0 | true |
| IRS990/ConservationEasements | 0 | false |
| IRS990/ConsolidatedAuditFinancialStmt | 0 | false |
| IRS990/ContributionsGrantsCurrentYear | 0 | 0 |
| IRS990/CreditCounseling | 0 | false |
| IRS990/DecisionsSubjectToApproval | 0 | false |
| IRS990/DeductibleContributionsOfArt | 0 | false |
| IRS990/DeductibleNonCashContributions | 0 | false |
| IRS990/DelegationOfManagementDuties | 0 | false |
| IRS990/DescribedIn501C3 | 0 | false |
| IRS990/Description | 0 | PROVIDING LOANS / SERVICES TO CREDIT UNION MEMBERS |
| IRS990/DisregardedEntity | 0 | false |
| IRS990/DocumentRetentionPolicy | 0 | true |
| IRS990/DonorAdvisedFunds | 0 | false |
| IRS990/DoNotFollowSFAS117 | 0 | X |
| IRS990/ElectionOfBoardMembers | 0 | true |
| IRS990/EmploymentTaxReturnsFiled | 0 | true |
| IRS990/FamilyOrBusinessRelationship | 0 | false |
| IRS990/FederalGrantAuditRequired | 0 | false |
| IRS990/ForeignActivities | 0 | false |
| IRS990/ForeignFinancialAccount | 0 | false |
| IRS990/ForeignOffice | 0 | false |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 0 | 40.00 |
| IRS990/Form990PartVIISectionA/NamePerson | 0 | JAY CURTIS |
| IRS990/Form990PartVIISectionA/Officer | 0 | X |
| IRS990/Form990PartVIISectionA/OtherCompensation | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 0 | 327448 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 0 | 0 |
| IRS990/Form990PartVIISectionA/Title | 0 | PRESIDENT/CE |
| IRS990/Form990ProvidedToGoverningBody | 0 | false |
| IRS990/Form990-TFiled | 0 | true |
| IRS990/FormersListed | 0 | false |
| IRS990/FSAudited | 0 | false |
| IRS990/FundraisingActivities | 0 | false |
| IRS990/GainOrLoss/Securities | 0 | -921461 |
| IRS990/Gaming | 0 | false |
| IRS990/GrantsAndSimilarAmntsCY | 0 | 0 |
| IRS990/GrantsToIndividuals | 0 | false |
| IRS990/GrantsToOrganizations | 0 | false |
| IRS990/GrantToRelatedPerson | 0 | false |
| IRS990/GrossAmountSalesAssets/Securities | 0 | 3019269 |
| IRS990/GrossReceipts | 0 | 24251988 |
| IRS990/GroupReturnForAffiliates | 0 | false |
| IRS990/Hospital | 0 | false |
| IRS990/IndependentAuditFinancialStmt | 0 | false |
| IRS990/IndoorTanningServices | 0 | false |
| IRS990/InfoInScheduleOPartVII | 0 | X |
| IRS990/Interest/ProgramServices | 0 | 1411008 |
| IRS990/Interest/Total | 0 | 1411008 |
| IRS990/InvestmentIncomeCurrentYear | 0 | 1096500 |
| IRS990/InvestmentIncomePriorYear | 0 | -339508 |
| IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome | 0 | 2017961 |
| IRS990/InvestmentIncome/TotalRevenueColumn | 0 | 2017961 |
| IRS990/InvestmentInJointVenture | 0 | false |
| IRS990/InvestmentsPubTradedSecurities/BOY | 0 | 4117280 |
| IRS990/InvestmentsPubTradedSecurities/EOY | 0 | 5148774 |
| IRS990/LandBuildingsEquipmentBasis | 0 | 21849178 |
| IRS990/LandBuildingsEquipmentBasisNet/BOY | 0 | 20546515 |
| IRS990/LandBuildingsEquipmentBasisNet/EOY | 0 | 21849178 |
| IRS990/LessCostOthBasisSalesExpenses/Securities | 0 | 3940730 |
| IRS990/LoanToOfficerOrDQP | 0 | false |
| IRS990/LocalChapters | 0 | false |
| IRS990/MaterialDiversionOrMisuse | 0 | false |
| IRS990/MembersOrStockholders | 0 | true |
| IRS990/MethodOfAccountingAccrual | 0 | X |
| IRS990/MinutesOfCommittees | 0 | false |
| IRS990/MinutesOfGoverningBody | 0 | true |
| IRS990/MissionDescription | 0 | PROVIDING LOANS / SERVICES TO CREDIT UNION MEMBERS |
| IRS990/MoreThan5000KToIndividuals | 0 | false |
| IRS990/MoreThan5000KToOrganizations | 0 | false |
| IRS990/NameOfPrincipalOfficerPerson | 0 | JAY CURTIS |
| IRS990/NbrIndependentVotingMembers | 0 | 7 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 7 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 7 |
| IRS990/NetAssetsOrFundBalancesBOY | 0 | 397836341 |
| IRS990/NetAssetsOrFundBalancesEOY | 0 | 382929569 |
| IRS990/NetGainOrLossInvestments/RelatedOrExemptFunctionIncome | 0 | -921461 |
| IRS990/NetGainOrLossInvestments/TotalRevenueColumn | 0 | -921461 |
| IRS990/NonDeductibleContributions | 0 | false |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 28 |
| IRS990/NumberIndependentVotingMembers | 0 | 7 |
| IRS990/NumberIndividualsGT100K | 0 | 4 |
| IRS990/NumberOfEmployees | 0 | 225 |
| IRS990/NumberW2GIncluded | 0 | 0 |
| IRS990/Occupancy/ProgramServices | 0 | 1901211 |
| IRS990/Occupancy/Total | 0 | 1901211 |
| IRS990/OfficerEntityWithBsnssRltnshp | 0 | false |
| IRS990/OfficerMailingAddress | 0 | false |
| IRS990/Organization501c | 0 | X |
| IRS990/OtherAssetsTotal/BOY | 0 | 81533344 |
| IRS990/OtherAssetsTotal/EOY | 0 | 99690479 |
| IRS990/OtherEmployeeBenefits/ProgramServices | 0 | 1320526 |
| IRS990/OtherEmployeeBenefits/Total | 0 | 1320526 |
| IRS990/OtherExpensePriorYear | 0 | 21679761 |
| IRS990/OtherExpensesCurrentYear | 0 | 12436933 |
| IRS990/OtherExpenses/Description | 0 | PROVISION FOR LOAN LOSSES |
| IRS990/OtherExpenses/Description | 1 | OFFICE OPERATING EXPENSE |
| IRS990/OtherExpenses/Description | 2 | OTHER OPERATING EXPENSE |
| IRS990/OtherExpenses/Description | 3 | PROF & OTHER OUTSIDE SERV |
| IRS990/OtherExpenses/ProgramServices | 0 | 3259752 |
| IRS990/OtherExpenses/ProgramServices | 1 | 1982733 |
| IRS990/OtherExpenses/ProgramServices | 2 | 1385396 |
| IRS990/OtherExpenses/ProgramServices | 3 | 1114477 |
| IRS990/OtherExpenses/Total | 0 | 3259752 |
| IRS990/OtherExpenses/Total | 1 | 1982733 |
| IRS990/OtherExpenses/Total | 2 | 1385396 |
| IRS990/OtherExpenses/Total | 3 | 1114477 |
| IRS990/OtherLiabilities/BOY | 0 | 9809837 |
| IRS990/OtherLiabilities/EOY | 0 | 11377734 |
| IRS990/OtherNotesLoansReceivableNet/BOY | 0 | 215687470 |
| IRS990/OtherNotesLoansReceivableNet/EOY | 0 | 172365907 |
| IRS990/OtherRevenueCurrentYear | 0 | 0 |
| IRS990/OtherSalariesAndWages/ProgramServices | 0 | 5508866 |
| IRS990/OtherSalariesAndWages/Total | 0 | 5508866 |
| IRS990/PartialLiquidation | 0 | false |
| IRS990/PensionPlanContributions/ProgramServices | 0 | 43215 |
| IRS990/PensionPlanContributions/Total | 0 | 43215 |
| IRS990/PoliticalActivities | 0 | false |
| IRS990/PrepaidExpensesDeferredCharges/BOY | 0 | 3481575 |
| IRS990/PrepaidExpensesDeferredCharges/EOY | 0 | 4255143 |
| IRS990/ProfessionalFundraising | 0 | false |
| IRS990/ProgramServiceRevenueCY | 0 | 19214758 |
| IRS990/ProgramServiceRevenue/Description | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenue/Description | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenue/Description | 2 | NONMEMBER SHARED BRANCHIN |
| IRS990/ProgramServiceRevenue/Description | 3 | INSURANCE COMMISSION INCM |
| IRS990/ProgramServiceRevenue/Description | 4 | COMMISSION NETWORK SRVC |
| IRS990/ProgramServiceRevenuePriorYear | 0 | 22835424 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 12960448 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 1 | 5883129 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 0 | 12960448 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 1 | 5883129 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 2 | 126639 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 3 | 126072 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 4 | 66317 |
| IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue | 0 | 126639 |
| IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue | 1 | 126072 |
| IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue | 2 | 66317 |
| IRS990/ProhibitedTaxShelterTrans | 0 | false |
| IRS990/ReconcilationOtherChanges | 0 | -15044467 |
| IRS990/ReconcilationRevenueExpenses | 0 | 137695 |
| IRS990/RegularMonitoringEnforcement | 0 | true |
| IRS990/RelatedEntity | 0 | false |
| IRS990/RelatedOrgControlledEntity | 0 | false |
| IRS990/ReportFin48Footnote | 0 | false |
| IRS990/ReportInvestOthSecurities | 0 | false |
| IRS990/ReportLandBldgEquip | 0 | true |
| IRS990/ReportOtherAssets | 0 | true |
| IRS990/ReportOtherLiabilities | 0 | true |
| IRS990/ReportProgRelInvest | 0 | false |
| IRS990/RetainedEarningsEndowmentEtc/BOY | 0 | 13892224 |
| IRS990/RetainedEarningsEndowmentEtc/EOY | 0 | 13912515 |
| IRS990/RevenuesLessExpensesCY | 0 | 137695 |
| IRS990/RevenuesLessExpensesPriorYear | 0 | -7407620 |
| IRS990/SalariesEtcCurrentYear | 0 | 7736630 |
| IRS990/SalariesEtcPriorYear | 0 | 8223775 |
| IRS990/ScheduleBRequired | 0 | false |
| IRS990ScheduleD/AgentTrusteeEtc | 0 | false |
| IRS990ScheduleD/AreRelatedOrgsListedScheduleR | 0 | false |
| IRS990ScheduleD/DisclosedForCharitablePurposes | 0 | false |
| IRS990ScheduleD/DisclosedOrgsLegalControl | 0 | false |
| IRS990ScheduleD/EndowmentsHeldByRelatedOrgs | 0 | false |
| IRS990ScheduleD/EndowmentsHeldByUnrelatedOrgs | 0 | false |
| IRS990ScheduleD/IncludedOnFS | 0 | false |
| IRS990ScheduleD/Sect170hRequirementsSatisfied | 0 | false |
| IRS990ScheduleD/SolicitedAssetsForSale | 0 | false |
| IRS990ScheduleD/WrittenPolicyMonitoring | 0 | false |
| IRS990ScheduleJ/EquityBasedCompArrangement | 0 | false |
| IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg | 0 | 327448 |
| IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson | 0 | JAY CURTIS |
| IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg | 0 | 327448 |
| IRS990/ScheduleJRequired | 0 | true |
| IRS990ScheduleJ/SeverancePayment | 0 | false |
| IRS990ScheduleJ/SupplementalNonqualRetirePlan | 0 | false |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | NO REVIEW WAS OR WILL BE CONDUCTED. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | NO DOCUMENTS AVAILABLE TO THE PUBLIC |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | PARENT ORGANIZATION HAS FILED A SEPARATE RETURN |
| IRS990ScheduleO/GeneralExplanation/Identifier | 0 | ORGANIZATION'S PROCESS USED TO REVIEW FORM 990 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 1 | GOVERNING DOCUMENTS DISCLOSURE EXPLANATION |
| IRS990ScheduleO/GeneralExplanation/Identifier | 2 | GROUP RETURN METHOD |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | FORM 990, PAGE 7, PART VII |
| IRS990/ScheduleORequired | 0 | false |
| IRS990/School | 0 | false |
| IRS990/SignificantChange | 0 | false |
| IRS990/SignificantNewProgramServices | 0 | false |
| IRS990/StateLegalDomicile | 0 | AZ |
| IRS990/SubjectToProxyTax | 0 | false |
| IRS990/TaxablePartyNotification | 0 | false |
| IRS990/TaxExemptBonds | 0 | false |
| IRS990/Terminated | 0 | false |
| IRS990/TermOrPermanentEndowments | 0 | false |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | 25 S ARIZONA PLACE STE 111 |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | CHANDLER |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | AZ |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 85225 |
| IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine1 | 0 | FIRST CREDIT UNION |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 4807862525 |
| IRS990/TotalAssets/BOY | 0 | 410976924 |
| IRS990/TotalAssetsBOY | 0 | 410976924 |
| IRS990/TotalAssets/EOY | 0 | 397442816 |
| IRS990/TotalAssetsEOY | 0 | 397442816 |
| IRS990/TotalCompGT150K | 0 | true |
| IRS990/TotalExpensesCurrentYear | 0 | 20173563 |
| IRS990/TotalExpensesPriorYear | 0 | 29903536 |
| IRS990/TotalFunctionalExpenses/Fundraising | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ManagementAndGeneral | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ProgramServices | 0 | 20173563 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 20173563 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 371181 |
| IRS990/TotalLiabilities/BOY | 0 | 13140583 |
| IRS990/TotalLiabilitiesBOY | 0 | 13140583 |
| IRS990/TotalLiabilities/EOY | 0 | 14513247 |
| IRS990/TotalLiabilitiesEOY | 0 | 14513247 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 410976924 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 397442816 |
| IRS990/TotalNbrEmployees | 0 | 225 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | 397836341 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | 382929569 |
| IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn | 0 | 52153 |
| IRS990/TotalOthProgramServiceRevenue/UnrelatedBusinessRevenue | 0 | 52153 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProgramServiceRevenue | 0 | 19214758 |
| IRS990/TotalReportableCompFromOrg | 0 | 864023 |
| IRS990/TotalRevenueCurrentYear | 0 | 20311258 |
| IRS990/TotalRevenuePriorYear | 0 | 22495916 |
| IRS990/TotalRevenue/RelatedOrExemptFunctionIncome | 0 | 19940077 |
| IRS990/TotalRevenue/TotalRevenueColumn | 0 | 20311258 |
| IRS990/TotalRevenue/UnrelatedBusinessRevenue | 0 | 371181 |
| IRS990/TransactionRelatedEntity | 0 | false |
| IRS990/TypeOfOrganizationCorporation | 0 | X |
| IRS990/UnrelatedBusinessIncome | 0 | true |
| IRS990/UponRequest | 0 | X |
| IRS990/WhistleblowerPolicy | 0 | true |
| IRS990/YearFormation | 0 | 2000 |
| ReturnHeader/BuildTS | 0 | 2016-02-25 16:41:14Z |
| ReturnHeader/Filer/EIN | 0 | 860100904 |
| ReturnHeader/Filer/Name/BusinessNameLine1 | 0 | FIRST CREDIT UNION |
| ReturnHeader/Filer/NameControl | 0 | FIRS |
| ReturnHeader/Filer/Phone | 0 | 4807862525 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 25 S ARIZONA PLACE |
| ReturnHeader/Filer/USAddress/AddressLine2 | 0 | ROOM/SUITE 111 |
| ReturnHeader/Filer/USAddress/City | 0 | CHANDLER |
| ReturnHeader/Filer/USAddress/State | 0 | AZ |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 85225 |
| ReturnHeader/Officer/DateSigned | 0 | 2013-05-10 |
| ReturnHeader/Officer/Name | 0 | JAY CURTIS |
| ReturnHeader/Officer/Phone | 0 | 4807862525 |
| ReturnHeader/Officer/Title | 0 | PRESIDENT |
| ReturnHeader/Preparer/DatePrepared | 0 | 2013-05-08 |
| ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine1 | 0 | WARFIELD & COMPANY CPA'S |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1 | 0 | 14555 N SCOTTSDALE RD |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City | 0 | SCOTTSDALE |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State | 0 | AZ |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode | 0 | 85254 |
| ReturnHeader/Preparer/Name | 0 | LAWRENCE J WARFIELD CPA |
| ReturnHeader/Preparer/Phone | 0 | 4803023666 |
| ReturnHeader/ReturnType | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDate | 0 | 2011-01-01 |
| ReturnHeader/TaxPeriodEndDate | 0 | 2011-12-31 |
| ReturnHeader/TaxYear | 0 | 2011 |
| ReturnHeader/Timestamp | 0 | 2013-05-08T11:53:37-05:00 |
No mirrored PDF or thumbnail assets are attached yet.
Displayed year
2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.