Civic Intelligence

Arizona State Credit Union

990 • Fiscal year 2017 • EIN 86-0108770

Jan 01, 2017 to Dec 31, 2017 • Filed on Oct 31, 2018

Organization ProfileWWW.ONEAZCU.COM

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2355 W Pinnacle Peak RoadPhoenix, AZ 85027

(602) 467-4088

Siviq Scores

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

Liabilities / Assets

75th percentile

0.91x

Higher debt load relative to assets than 75% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Liabilities / Revenue

45th percentile

18.54x

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

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Net Margin

24th percentile

13%

Higher net margin than 24% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Top Officer Pay

78th percentile

$1,343,200

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Asset Growth

29th percentile

5.2%

Faster asset growth than 29% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Revenue Growth

44th percentile

9.4%

Faster revenue growth than 44% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets75th percentile

Assets

Up

$2,006,869,184

Up $218,440,172 (+12%) from 2015

Net Assets

Up

$188,545,099

Up $21,748,970 (+13%) from 2015

Liabilities

Up

$1,818,324,085

Up $196,691,202 (+12%) from 2015

Revenue And Expenses
Liabilities / Revenue45th percentileNet Margin24th percentile

Revenue

Up

$98,063,038

Up $11,811,514 (+14%) from 2015

Expenses

Up

$85,542,346

Up $17,749,890 (+26%) from 2015

Net Income

Down

$12,520,692

Down $5,938,376 (-32%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth29th percentile

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

$4.0B$3.0B$2.0B$1.0B$0Assets 2010: $1,265,593,794Liabilities 2010: $1,169,813,235Net Assets 2010: $95,780,5592010Assets 2012: $1,430,930,107Liabilities 2012: $1,306,999,103Net Assets 2012: $123,931,0042012Assets 2013: $1,607,810,099Liabilities 2013: $1,474,187,431Net Assets 2013: $133,622,6682013Assets 2014: $1,656,659,634Liabilities 2014: $1,508,893,014Net Assets 2014: $147,766,6202014Assets 2015: $1,788,429,012Liabilities 2015: $1,621,632,883Net Assets 2015: $166,796,1292015Assets 2017: $2,006,869,184Liabilities 2017: $1,818,324,085Net Assets 2017: $188,545,0992017Assets 2019: $2,169,567,798Liabilities 2019: $1,941,160,780Net Assets 2019: $228,407,0182019Assets 2020: $2,608,126,699Liabilities 2020: $2,401,905,346Net Assets 2020: $206,221,3532020Assets 2021: $3,043,080,305Liabilities 2021: $2,815,949,766Net Assets 2021: $227,130,5392021Assets 2022: $3,270,651,500Liabilities 2022: $3,085,222,848Net Assets 2022: $185,428,6522022Assets 2024: $3,395,741,193Liabilities 2024: $3,129,261,688Net Assets 2024: $266,479,5052024

Highlighted filing

2017

Assets$2,006,869,184
Liabilities$1,818,324,085
Net Assets$188,545,099
Open 2017 Filing

Operations Trend

Revenue Growth44th percentile

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

$200M$100M$0-$100MExpenses 2010: $83,926,0342010Expenses 2012: $68,477,1052012Revenue 2013: $79,885,332Expenses 2013: $63,685,289Net Income 2013: $16,200,0432013Revenue 2014: $81,365,392Expenses 2014: $66,062,819Net Income 2014: $15,302,5732014Revenue 2015: $86,251,524Expenses 2015: $67,792,456Net Income 2015: $18,459,0682015Revenue 2017: $98,063,038Expenses 2017: $85,542,346Net Income 2017: $12,520,6922017Revenue 2019: $114,487,579Expenses 2019: $96,897,496Net Income 2019: $17,590,0832019Revenue 2020: $106,232,415Expenses 2020: $138,202,766Net Income 2020: -$31,970,3512020Revenue 2021: $105,409,190Expenses 2021: $93,152,037Net Income 2021: $12,257,1532021Revenue 2022: $127,189,432Expenses 2022: $111,985,163Net Income 2022: $15,204,2692022Revenue 2024: $198,883,800Expenses 2024: $166,468,298Net Income 2024: $32,415,5022024

Highlighted filing

2017

Revenue$98,063,038
Expenses$85,542,346
Net Income$12,520,692
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Oct 31, 2018
Return Version
2017v2.3
Gross Receipts
$115,910,491
Mission and Program Overview

Mission

To provide our member-owners with responsive service, convenient access, consumer education, and value-added financial and related products and services, in a fiscally sound manner.

To provide our members with responsive service, convenient access, consumer education and value-added financial related products and services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,256,473,397$1,455,977,629▲ $199,504,232
Investments in Publicly Traded Securities$402,300,162$335,076,176▼ $67,223,986
Rtn Earn Endowment Incm Other Fnds$178,129,413$188,545,099▲ $10,415,686
Land, Buildings, and Equipment, Net$56,249,089$59,019,082▲ $2,769,993
Cash and Non-Interest-Bearing Accounts$3,506,645$48,528,535▲ $45,021,890
Savings and Temporary Cash Investments$111,688,954$28,756,050▼ $82,932,904
Investments Other Securities$28,407,686$28,127,216▼ $280,470
Prepaid Expenses and Deferred Charges$4,691,155$6,408,282▲ $1,717,127
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,908,566,810$2,006,869,184▲ $98,302,374
Other Assets Total$45,249,722$44,976,214▼ $273,508
Liabilities
Other Liabilities$1,590,156,882$1,723,264,711▲ $133,107,829
Mortgage Notes Payable Secured by Investment Property$124,500,000$77,500,000▼ $47,000,000
Accounts Payable and Accrued Expenses$15,780,515$17,559,374▲ $1,778,859
Total Liabilities$1,730,437,397$1,818,324,085▲ $87,886,688
Net Assets / Fund Balance
Total Net Assets Fund Balance$178,129,413$188,545,099▲ $10,415,686
Total Liabilities and Net Assets / Fund Balance$1,908,566,810$2,006,869,184▲ $98,302,374

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$27,707,162$12,911,946$40,619,108
Land$22,131,585-$22,131,585
Equipment$5,402,467$11,612,205$17,014,672
Leasehold Improvements$1,429,600$2,168,843$3,598,443
Other Land Buildings$2,348,268$31,922$2,380,190
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dave DossCEO/presidentFT$595,075$748,125$1,343,200
David G SweiderkEvp Chief Operating OfficerFT$343,971$620,854$964,825
Richard K ReedyEvp Chief Financial OfficerFT$326,018$592,141$918,159
Michael EmanuelliEvp Chief Administration OfficerFT$239,730$458,389$698,119
Bryan NielsenSVP Support ServicesFT$204,703$218,753$423,456
Deborah PearsonEvp Strategy & BrandFT$219,098$151,246$370,344
Sassan AzhadiSVP Chief Information OfficerFT$225,582$86,352$311,934
Brian JohnsonSVP Business Intelligence/CRMFT$178,266$86,817$265,083
Randon CuppNorthern Regional PresidentFT$160,676$95,659$256,335
Michael BodenSVP ControllerFT$177,933$78,145$256,078
Thomas WilsonSVP Business AnalyticsFT$166,059$78,318$244,377
James MathiaschMortgage Origination Prog DirectorFT$116,667$123,456$240,123
Robert Gibboni JrSVP Risk ManagementFT$161,050$69,259$230,309
Grace DuvalSouthern Regional PresidentFT$156,533$61,534$218,067
Michael SammonsFinancial AdvisorFT$47,699$168,712$216,411
Debra MesheyVP Associate EngagementFT$161,877$32,002$193,879
Shane SirenChairman-$18,750-$18,750
Connie OhanesianSecretary-$15,000-$15,000
Frank FelixDirector-$15,000-$15,000
Jon BorgeTreasurer-$15,000-$15,000
Joseph SmithDirector-$15,000-$15,000
Marquetta WhiteDirector-$15,000-$15,000
Martha RozenVice Chairman-$15,000-$15,000
RAY O'CONNORDirector-$15,000-$15,000
Sam WheelerDirector-$15,000-$15,000

Highest Paid Contractors

ContractorServicesLocationCompensation
Dbsi INCBranch Design, Construction & Maintenanc6950 W MORELOS PL, Chandler, AZ 85226$5,135,119
PscuCredit & Debit Card Processing560 CARILLON PKWY, St Petersburg, FL 33716$3,362,035
FiservBanking System & Technology255 FISERV DRIVE, Brookfield, WI 53045$2,286,106
Digital InsightsOnline & Mobile Banking Support5601 LINDERO CANYON RD, Westlake Village, CA 91362$1,391,090
Ncr CorporationAtm Services858 SPRING ST, Atlanta, GA 30308$1,191,596
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$88,026,617
Investment Income
$9,746,488
Other Revenue
$289,933
Change in Net Assets
$12,520,692

Audited Revenue Reconciliation

Revenue per Audited Statements
$98,835,478
Revenue Not Reported on Financial Statements
$-772,440
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-772,440
Total Revenue per Audited Statements
$98,835,478
Total Revenue per Form 990
$98,063,038
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$42,183,689
Other Expenses$38,643,588
Grants and Similar Amounts Paid$92,702
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$27,047,797
Current Officers, Directors, Trustees, and Key Employees---$6,164,634
Information Technology---$5,607,617
Benefits to Members---$4,622,367
Depreciation Depletion---$4,326,273
Occupancy---$4,305,430
Pension Plan Contributions---$3,825,513
Office Expenses---$2,993,409
Other Employee Benefits---$2,904,777
Advertising---$2,274,429
Payroll Taxes---$2,240,968
Other Expenses---$1,683,682
Fees for Services Other---$1,284,651
Fees for Services Legal---$1,238,063
Travel---$1,068,241
All Other Expenses---$839,190
Conferences and Meetings---$733,354
Fees for Services Accounting---$134,444
Grants to Domestic Orgs---$92,702
Total Functional Expenses$0$0$0$85,542,346

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$86,314,786
Expenses per Audited Statements$85,542,346
Total Expenses per Form 990$85,542,346
Expenses Not Reported on Form 990$772,440
Expenses Not Reported on Financial Statements$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Oneaz Community FoundationPhoenix, AZ501(c)(3)Unrestricted$53,131
Arizona Elk SocietyPeoria, AZ501(c)(3)Unrestricted$12,000
Worldwide Foundtion for Credit Unions IncMadison, WI501(c)(3)Unrestricted$6,880
National Credit Union FoundationMadison, WI501(c)(3)Unrestricted$6,000
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
MEMBERS' SHARE AND SAVINGS ACCOUNTS$1,717,718,812
Pension Plan Valuation$5,545,899
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
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 4

“In 2017, members of the organization voted to compensate the board of directors as allowed by arizona regulators”

Form 990, Part VI, Section A, Line 6

“To become a member of oneaz credit union, all you need is $5 to open your share savings account. This represents your ownership in the credit union. If you live in arizona, are related to an existing member, or work for a qualified employer, you are eligible for membership.”

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

“The process of electing the board of directors: notice of annual election is communicated to membership requesting interested individuals submit an application for any open director positions. The board appoints a nominating committee who screens and interviews candidates to place on the ballot. The ballot is voted on by the membership.”

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

“Certain organizational items, such as charter, change or merger, are subject to board approval. Also, membership can request a member expulsion by a majority vote at an annual or special meeting.”

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

“The form 990 is reviewed by the svp controller who in turn shares with the evp & chief financial officer and president and ceo prior to filing. The board of directors is also updated on the filing status with discussion documented in board meeting minutes.”

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

“Credit union procedures require annual, written acknowledgement by each associate and volunteer documenting their understanding and compliance with the code of conduct and business ethics policy. Each associate must also complete online training and pass an online test each year to demonstrate their understanding of these policies.”

Form 990, Part VI, Section B, Line 15

“We engage credit union compensation experts to determine salary ranges and market pricing for the phoenix area for all employees, including the ceo and executive officers. Salary ranges are reviewed every year to ensure market equity is in line with our "total compensation" philosophy. We also complete compensation surveys with other compensation analysts to ensure a broader sampling. Contracted compensation experts provide data on national and local salary ranges and other relative data points around total compensation for the ceo, executive officers and benefits overall. The compensation committee makes recommendations to the full board based on these inputs. All discussions & decisions are documented in meeting minutes.”

Form 990, Part VI, Section C, Line 19

“Regulatory financial reports provided by ncua.gov are provided upon request. We also post a copy of our monthly statement of financial condition in all of our branches.”

Form 990, Part VI, Section A, Line 9

“David sweiderk and deborah meshey can no longer be reached at the organization's mailing address. Forwarding addresses are not available.”

Filing and Contact Details

Filer

Filer Name
Oneaz Credit Union
EIN
86-0108770
Phone
6024674088
Address
2355 W PINNACLE PEAK ROAD, PHOENIX, AZ 85027

Signing Officer

Name
Michael Boden
Title
SVP, Controller
Phone
6024674094
Signed
2018-10-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dave Doss
Formed
1951
Legal Domicile
Az
Voting Board Members
9
Independent Board Members
9
Employees
667
Volunteers
14

Preparer

Firm
Cliftonlarsonallen Llp
Address
20 E THOMAS RD STE 2300, PHOENIX, AZ 85012
Preparer
Mary C Green
Phone
6022662248
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in unrealized loss on defined benefit pension plan assets -64,679.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, under internal revenue code 501(c)(14) from federal and state income taxes. Certain products and services provided by select state chartered credit unions have been deemed by the internal revenue service (irs), in technical advice memorandums (tams) released in 2007, to be unrelated to the specific entity's exempt purpose. As presented in the technical advice memorandums the net taxable income from these products and services would be subject to income taxes. Credit unions have litigated against the irs positions noted in the tams and have been successful in having courts declare in 2009 and 2010 that revenue from insurance products sold to members, helping them protect their financial wellbeing, qualifies as exempt purpose income, contrary to the irs position in the tams. The credit union has filed tax returns in the past for activities they have deemed taxable resulting in no taxes paid for the years ended december 31, 2017 and 2016. The credit union evaluated its tax positions and determined no uncertain tax positions exist as of december 31, 2017 and 2016. The credit union's 2014 through 2016 tax years are open for examination by federal and state taxing authorities.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Rental expenses -452,752. Loss on sale of foreclosed assets -319,688.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Rental expenses 452,752. Loss on sale of foreclosed assets 319,688.”

Raw XML AppendixShowing 400 of 932 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/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
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IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd4X
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IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10126960
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt11117017
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1295350
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1392926
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1443303
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1554118
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1647599
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1735769
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1853404
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1945366
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2028817
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2220515
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2326612
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2410487
IRS990/Form990PartVIISectionAGrp/PersonNm0SHANE SIREN
IRS990/Form990PartVIISectionAGrp/PersonNm1MARTHA ROZEN
IRS990/Form990PartVIISectionAGrp/PersonNm2JON BORGE
IRS990/Form990PartVIISectionAGrp/PersonNm3CONNIE OHANESIAN
IRS990/Form990PartVIISectionAGrp/PersonNm4FRANK FELIX
IRS990/Form990PartVIISectionAGrp/PersonNm5JOSEPH SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm6MARQUETTA WHITE
IRS990/Form990PartVIISectionAGrp/PersonNm7RAY O'CONNOR
IRS990/Form990PartVIISectionAGrp/PersonNm8SAM WHEELER
IRS990/Form990PartVIISectionAGrp/PersonNm9DAVE DOSS
IRS990/Form990PartVIISectionAGrp/PersonNm10DAVID G SWEIDERK
IRS990/Form990PartVIISectionAGrp/PersonNm11RICHARD K REEDY
IRS990/Form990PartVIISectionAGrp/PersonNm12MICHAEL EMANUELLI
IRS990/Form990PartVIISectionAGrp/PersonNm13DEBORAH PEARSON
IRS990/Form990PartVIISectionAGrp/PersonNm14BRYAN NIELSEN
IRS990/Form990PartVIISectionAGrp/PersonNm15SASSAN AZHADI
IRS990/Form990PartVIISectionAGrp/PersonNm16BRIAN JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm17THOMAS WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm18MICHAEL BODEN
IRS990/Form990PartVIISectionAGrp/PersonNm19ROBERT GIBBONI JR
IRS990/Form990PartVIISectionAGrp/PersonNm20RANDON CUPP
IRS990/Form990PartVIISectionAGrp/PersonNm21JAMES MATHIASCH
IRS990/Form990PartVIISectionAGrp/PersonNm22GRACE DUVAL
IRS990/Form990PartVIISectionAGrp/PersonNm23MICHAEL SAMMONS
IRS990/Form990PartVIISectionAGrp/PersonNm24DEBRA MESHEY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt018750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt115000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt215000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt315000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt415000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt515000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt615000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt715000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt815000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9848163
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10837865
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11801142
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12602769
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13277418
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14380153
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15257816
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16217484
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17208608
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18202674
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20227518
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21218815
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22197552
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23189799
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt24183392
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt240
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO/PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11EVP CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP CHIEF ADMINISTRATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13EVP STRATEGY & BRAND
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP SUPPORT SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP BUSINESS INTELLIGENCE/CRM
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP BUSINESS ANALYTICS
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt19SVP RISK MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt20NORTHERN REGIONAL PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt21MORTGAGE ORIGINATION PROG DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt22SOUTHERN REGIONAL PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt23FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24VP ASSOCIATE ENGAGEMENT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01951
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
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IRS990/GainOrLossGrp/SecuritiesAmt01417634
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticOrgsGrp/TotalAmt092702
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0245439
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt018283267
IRS990/GrossReceiptsAmt0115910491
IRS990/GrossRentsGrp/RealAmt0610287
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt053
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt05607617
IRS990/InvestmentIncomeGrp/ExclusionAmt08612483
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt08612483
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt028407686
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt028127216
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0402300162
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0335076176
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt059019082
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IRS990/LegalDomicileStateCd0AZ
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0529068
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt016865633
IRS990/LessRentalExpensesGrp/RealAmt0452752
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROVIDING ARIZONA WITH FINANCIAL PRODUCTS AND SERVICES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt077500000
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IRS990/NetAssetsOrFundBalancesEOYAmt0188545099
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IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01134005
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IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0157535
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IRS990/OfficeExpensesGrp/TotalAmt02993409
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IRS990/OperateHospitalInd00
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IRS990/OtherAssetsTotalGrp/EOYAmt044976214
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IRS990/OtherExpensesGrp/Desc1LOAN AND BANKING FEES
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3ONLINE BANKING EXPENSES
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IRS990/OtherExpensesGrp/TotalAmt13554411
IRS990/OtherExpensesGrp/TotalAmt23450000
IRS990/OtherExpensesGrp/TotalAmt31683682
IRS990/OtherLiabilitiesGrp/BOYAmt01590156882
IRS990/OtherLiabilitiesGrp/EOYAmt01723264711
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS INCOME
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0132398
IRS990/OtherRevenueTotalAmt0132398
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01455977629
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt02240968
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt03825513
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt04691155
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt06408282
IRS990/PrincipalOfficerNm0DAVE DOSS
IRS990/ProfessionalFundraisingInd00
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IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc3NSF FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc4GAIN ON SALE OF LOANS HELD FOR SA
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt055206549
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt110551425

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,006,869,184
Liabilities
$1,818,324,085
Net assets
$188,545,099
Revenue
$98,063,038
Expenses
$85,542,346
Net income
$12,520,692
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,396$3,129$266$199$166$32.4
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$3,271$3,085$185$127$112$15.2
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,043$2,816$227$105$93.2$12.3
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,608$2,402$206$106$138$32.0
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,170$1,941$228$114$96.9$17.6
2017Detailed filing. Detailed filing data is available for this year.$2,007$1,818$189$98.1$85.5$12.5
2015Detailed filing. Detailed filing data is available for this year.$1,788$1,622$167$86.3$67.8$18.5
2014Detailed filing. Detailed filing data is available for this year.$1,657$1,509$148$81.4$66.1$15.3
2013Detailed filing. Detailed filing data is available for this year.$1,608$1,474$134$79.9$63.7$16.2
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,431$1,307$124$68.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,266$1,170$95.8$83.9