Liabilities / Assets
25th percentile
Higher debt load relative to assets than 25% of similar nonprofits.
Credit Unions in the State of Arizona
990 • Fiscal year 2017 • EIN 86-6095651
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.85x
Liabilities / Revenue
39th percentile
Higher debt load relative to revenue than 39% of similar nonprofits.
Net Margin
91st percentile
Higher net margin than 91% of similar nonprofits.
Top Officer Pay
27th percentile
Higher top officer pay than 27% of similar nonprofits.
Top officer pay equals 5.4% of source-year revenue.
Asset Growth
70th percentile
Faster asset growth than 70% of similar nonprofits.
Revenue Growth
38th percentile
Faster revenue growth than 38% of similar nonprofits.
Balance Sheet
Assets
Up$32,706,065
Up $1,361,908 (+4.3%) from 2016
Net Assets
Up$5,028,354
Up $333,963 (+7.1%) from 2016
Liabilities
Up$27,677,711
Up $1,027,945 (+3.9%) from 2016
Revenue And Expenses
Revenue
Up$1,508,087
Up $47,524 (+3.3%) from 2016
Expenses
Up$1,174,124
Up $19,665 (+1.7%) from 2016
Net Income
Up$333,963
Up $27,859 (+9.1%) from 2016
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2017 to Dec 31, 2017
- Signed
- Feb 13, 2020
- Return Version
- 2017v2.3
- Gross Receipts
- $1,511,478
Mission and Program Overview
Mission
The credit union was established to promote thrift among its members, creating a source of credit for such members at reasonable rates of interest and providing an opportunity for its members to use and control their own money on a democratic basis to improve their economic and social conditions.
To promote thrift and savings among its members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $19,223,807 | $22,251,516 | ▲ $3,027,709 |
| Savings and Temporary Cash Investments | $11,039,469 | $9,381,151 | ▼ $1,658,318 |
| Rtn Earn Endowment Incm Other Fnds | $4,317,835 | $4,651,798 | ▲ $333,963 |
| Cash and Non-Interest-Bearing Accounts | $579,360 | $529,723 | ▼ $49,637 |
| Cap Stk Tr Prin Current Funds | $376,556 | $376,556 | → $0 |
| Land, Buildings, and Equipment, Net | $116,921 | $153,660 | ▲ $36,739 |
| Prepaid Expenses and Deferred Charges | $64,088 | $64,136 | ▲ $48 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Total Assets | $31,344,157 | $32,706,065 | ▲ $1,361,908 |
| Other Assets Total | $320,512 | $325,879 | ▲ $5,367 |
| Liabilities | |||
| Other Liabilities | $26,632,117 | $27,672,108 | ▲ $1,039,991 |
| Accounts Payable and Accrued Expenses | $17,649 | $5,603 | ▼ $12,046 |
| Total Liabilities | $26,649,766 | $27,677,711 | ▲ $1,027,945 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $4,694,391 | $5,028,354 | ▲ $333,963 |
| Total Liabilities and Net Assets / Fund Balance | $31,344,157 | $32,706,065 | ▲ $1,361,908 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $77,911 | $371,119 | $449,030 |
| Other Land Buildings | $36,770 | $179,589 | $216,359 |
| Buildings | $22,041 | $66,823 | $88,864 |
| Land | $16,938 | - | $16,938 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Shelley Thompson | CEO/general Manager | FT | $74,526 | $7,533 | $82,059 |
Board Members and Trustees
| Name | Title |
|---|---|
| Betty Peterson | Chairperson |
| Betsy Ajeman | Vice Chairperson |
| Cheryl Layton | Director |
| Dan Douglas | Director |
| Lorie Zamora | Director |
| Kathy Moreno | Secretary |
| Troy Judd | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,409,900
- Investment Income
- $98,187
- Other Revenue
- $0
- Change in Net Assets
- $333,963
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $645,742 |
| Salaries, Compensation, and Employee Benefits | $528,382 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $364,388 |
| Office Expenses | - | - | - | $165,346 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $82,079 |
| Interest | - | - | - | $55,099 |
| Depreciation Depletion | - | - | - | $44,754 |
| Payroll Taxes | - | - | - | $33,942 |
| Other Employee Benefits | - | - | - | $33,797 |
| Travel | - | - | - | $33,379 |
| Occupancy | - | - | - | $32,832 |
| Information Technology | - | - | - | $31,889 |
| Advertising | - | - | - | $20,775 |
| Pension Plan Contributions | - | - | - | $14,176 |
| Fees for Services Accounting | - | - | - | $11,340 |
| Other Expenses | - | - | - | $10,000 |
| Fees for Services Other | - | - | - | $8,773 |
| Conferences and Meetings | - | - | - | $3,870 |
| Fees for Services Legal | - | - | - | $1,406 |
| Total Functional Expenses | $0 | $0 | $0 | $1,174,124 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| MEMBERS' SHARES & SAVINGS | $27,625,197 |
| Accrued Expenses | $40,934 |
| Taxes Payable | $4,712 |
| Dividends Payable | $1,265 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- 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 was formed by the members to provide quality financial services to its members.”
Form 990, Part VI, Section A, line 7A
“The members of the credit union vote on the board of directors. Elections are done on a one member one vote basis.”
Form 990, Part VI, Section B, line 11B
“No review was or will be conducted.”
Form 990, Part VI, Section B, line 12C
“The board and employees are required to be familiar with the conflict of interest policy and report any possible conflict to managment or the board as soon as they are aware of the possible conflict.”
Form 990, Part VI, Section B, line 15
“Compensation is approved by the board of directors. The board uses the small credit union staff salary survey produced by cuna when determining the top management official's wages. The credit union does not have any other employees, besides the top management official, who are considered officers or key employees.”
Form 990, Part VI, Section C, line 19
“The credit union will provide a complete copy of the organization's governing documents and conflict of interest policy to any member who requests a copy. The credit union does not have audited financial statements, instead they have an independent cpa perform agreed upon procedures required by section 715 of the national credit union administration rules and regulations. A copy of the report from the cpa is available to any member requesting a copy.”
Filing and Contact Details
Filer
- Filer Name
- Cochise Credit Union
- EIN
- 86-6095651
- Phone
- 5203842822
- Address
- 170 NORTH HASKELL, WILLCOX, AZ 85643
Signing Officer
- Name
- Shelley Thompson
- Title
- CEO/president
- Phone
- 5203842822
- Signed
- 2020-02-13
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Shelley Thompson
- Formed
- 1958
- Legal Domicile
- Az
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 14
- Volunteers
- 7
Preparer
- Firm
- Bolinger Segars Gilbert and Moss Llp
- Address
- 8215 NASHVILLE AVENUE, LUBBOCK, TX 79423
- Preparer
- Matt R Willis
- Phone
- 8067473806
Supplemental Narrative
Additional Explanations
Form 990
“The 990 was amended to report income from extended auto warranties, various insurance items, and atm fees as unrealted business income. Part v lines 3a and 3b are now checked yes as the credit union has over $1,000 in ubi and is filing form 990t. Part viii, line 2c, $14,800 was reclassed from column (b)related or exempt function revenue to column (c) unrelated business income and line 2d, $14,225 was reclassed from column (b)related or exempt function revenue to column (c) unrelated business income to reflect income from sales of these items.”
Financial Statement Notes
Schedule D, Part IX:
“The amount of other assets on form 990, page 11, part x, line 15 does not equal or exceed 5 percent of the total assets on form 990, page 11, part x, line 16, column b. Consequently in accordance with irs instructions schedule d, part ix has been left blank.”
Raw XML Appendix376 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 |
|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 5603 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | TO PROMOTE THRIFT AND SAVINGS AMONG ITS MEMBERS. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 20775 |
| IRS990/AmendedReturnInd | 0 | X |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | SHELLEY THOMPSON |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 5203842822 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 170 NORTH HASKELL |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | WILLCOX |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | AZ |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 85643 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 376556 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 376556 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 579360 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 529723 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 82079 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 3870 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 98187 |
| IRS990/CYOtherExpensesAmt | 0 | 645742 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1409900 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 333963 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 528382 |
| IRS990/CYTotalExpensesAmt | 0 | 1174124 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1508087 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 44754 |
| IRS990/Desc | 0 | THE CREDIT UNION CURRENTLY MAINTAINS 7,814 ACCOUNTS AND SERVES ITS MEMBERSHIP BY HOLDING DEPOSITS FOR AND MAKING LOANS TO ITS 4,291 MEMBERS DURING THE YEAR. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 14 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 11340 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 1406 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 8773 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 6.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 4.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 7533 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | BETTY PETERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | BETSY AJEMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | KATHY MORENO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | TROY JUDD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | DAN DOUGLAS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | LORIE ZAMORA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | CHERYL LAYTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | SHELLEY THOMPSON |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 74526 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | CEO/GENERAL MANAGER |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1958 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | -3391 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 1511478 |
| IRS990/GroupExemptionNum | 0 | 2111 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 31889 |
| IRS990/InterestGrp/TotalAmt | 0 | 55099 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 101578 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 101578 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 471 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 617531 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 116921 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 153660 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 771191 |
| IRS990/LegalDomicileStateCd | 0 | AZ |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 3391 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | THE CREDIT UNION WAS ESTABLISHED TO PROMOTE THRIFT AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR SUCH MEMBERS AT REASONABLE RATES OF INTEREST AND PROVIDING AN OPPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 4694391 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 5028354 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | -3391 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -3391 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -1212 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 32832 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 165346 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
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| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 325879 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 33797 |
| IRS990/OtherExpensesGrp/Desc | 0 | DUES & FEES EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICE EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 2 | MISCELLANEOUS |
| IRS990/OtherExpensesGrp/Desc | 3 | PROVISION FOR LOSS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 126377 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 83689 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 16213 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 10000 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 26632117 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 27672108 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 364388 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 19223807 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 22251516 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 33942 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 14176 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 64088 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 64136 |
| IRS990/PrincipalOfficerNm | 0 | SHELLEY THOMPSON |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522200 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 524298 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | MEMBER LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | VISA CARD |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | ACCOUNT SERVICE FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | LIFE & GAP INSURANCE P |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1087410 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 176049 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 117416 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1087410 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 176049 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 132216 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 14225 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 14800 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 14225 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 78581 |
| IRS990/PYOtherExpensesAmt | 0 | 659831 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1381982 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 306104 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 494628 |
| IRS990/PYTotalExpensesAmt | 0 | 1154459 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1460563 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 333963 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
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| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 4651798 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 11039469 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 9381151 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 22041 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 66823 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 88864 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 77911 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 371119 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 449030 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 16938 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 16938 |
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| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 216359 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 27625197 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 1265 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 40934 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 4712 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBERS' SHARES & SAVINGS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | DIVIDENDS PAYABLE |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | ACCRUED EXPENSES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | TAXES PAYABLE |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | THE AMOUNT OF OTHER ASSETS ON FORM 990, PAGE 11, PART X, LINE 15 DOES NOT EQUAL OR EXCEED 5 PERCENT OF THE TOTAL ASSETS ON FORM 990, PAGE 11, PART X, LINE 16, COLUMN B. CONSEQUENTLY IN ACCORDANCE WITH IRS INSTRUCTIONS SCHEDULE D, PART IX HAS BEEN LEFT BLANK. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Schedule D, Part IX: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 153660 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 27672108 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE 990 WAS AMENDED TO REPORT INCOME FROM EXTENDED AUTO WARRANTIES, VARIOUS INSURANCE ITEMS, AND ATM FEES AS UNREALTED BUSINESS INCOME. PART V LINES 3A AND 3B ARE NOW CHECKED YES AS THE CREDIT UNION HAS OVER $1,000 IN UBI AND IS FILING FORM 990T. PART VIII, LINE 2C, $14,800 WAS RECLASSED FROM COLUMN (B)RELATED OR EXEMPT FUNCTION REVENUE TO COLUMN (C) UNRELATED BUSINESS INCOME AND LINE 2D, $14,225 WAS RECLASSED FROM COLUMN (B)RELATED OR EXEMPT FUNCTION REVENUE TO COLUMN (C) UNRELATED BUSINESS INCOME TO REFLECT INCOME FROM SALES OF THESE ITEMS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION WAS FORMED BY THE MEMBERS TO PROVIDE QUALITY FINANCIAL SERVICES TO ITS MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE MEMBERS OF THE CREDIT UNION VOTE ON THE BOARD OF DIRECTORS. ELECTIONS ARE DONE ON A ONE MEMBER ONE VOTE BASIS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | NO REVIEW WAS OR WILL BE CONDUCTED. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE BOARD AND EMPLOYEES ARE REQUIRED TO BE FAMILIAR WITH THE CONFLICT OF INTEREST POLICY AND REPORT ANY POSSIBLE CONFLICT TO MANAGMENT OR THE BOARD AS SOON AS THEY ARE AWARE OF THE POSSIBLE CONFLICT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | COMPENSATION IS APPROVED BY THE BOARD OF DIRECTORS. THE BOARD USES THE SMALL CREDIT UNION STAFF SALARY SURVEY PRODUCED BY CUNA WHEN DETERMINING THE TOP MANAGEMENT OFFICIAL'S WAGES. THE CREDIT UNION DOES NOT HAVE ANY OTHER EMPLOYEES, BESIDES THE TOP MANAGEMENT OFFICIAL, WHO ARE CONSIDERED OFFICERS OR KEY EMPLOYEES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE CREDIT UNION WILL PROVIDE A COMPLETE COPY OF THE ORGANIZATION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY TO ANY MEMBER WHO REQUESTS A COPY. THE CREDIT UNION DOES NOT HAVE AUDITED FINANCIAL STATEMENTS, INSTEAD THEY HAVE AN INDEPENDENT CPA PERFORM AGREED UPON PROCEDURES REQUIRED BY SECTION 715 OF THE NATIONAL CREDIT UNION ADMINISTRATION RULES AND REGULATIONS. A COPY OF THE REPORT FROM THE CPA IS AVAILABLE TO ANY MEMBER REQUESTING A COPY. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section C, line 19 |
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| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | AZ |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
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| IRS990/TotalAssetsEOYAmt | 0 | 32706065 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 31344157 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 32706065 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 14 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1174124 |
| IRS990/TotalGrossUBIAmt | 0 | 29025 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 26649766 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 27677711 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 26649766 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 27677711 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 4694391 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 5028354 |
| IRS990/TotalOtherCompensationAmt | 0 | 7533 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1409900 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 74526 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | -3391 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1482453 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1508087 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 29025 |
| IRS990/TotalVolunteersCnt | 0 | 7 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 31344157 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 32706065 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 33379 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 170 NORTH HASKELL |
| IRS990/USAddress/CityNm | 0 | WILLCOX |
| IRS990/USAddress/StateAbbreviationCd | 0 | AZ |
| IRS990/USAddress/ZIPCd | 0 | 85643 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.COCHISECU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2020-09-23 17:36:50Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | SHELLEY THOMPSON |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO/PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 5203842822 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2020-02-13 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | COCHISE CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | COCH |
| ReturnHeader/Filer/EIN | 0 | 866095651 |
| ReturnHeader/Filer/PhoneNum | 0 | 5203842822 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 170 NORTH HASKELL |
| ReturnHeader/Filer/USAddress/CityNm | 0 | WILLCOX |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | AZ |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 85643 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | 42ED200D52007B62D8CC0AE4B3D86240094B8D48 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | 63C74B8E815B1F0816197D2F3E7BFD2222AD4123 |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 65.182.80.152 |
| ReturnHeader/FilingSecurityInformation/IPDt | 0 | 2020-02-13 |
| ReturnHeader/FilingSecurityInformation/IPTimezoneCd | 0 | CS |
| ReturnHeader/FilingSecurityInformation/IPTm | 0 | 10:21:56 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 750882037 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | BOLINGER SEGARS GILBERT AND MOSS LLP |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 8215 NASHVILLE AVENUE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | LUBBOCK |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | TX |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 79423 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 8067473806 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2020-02-13 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | Matt R Willis |
| ReturnHeader/PreparerPersonGrp/SelfEmployedInd | 0 | X |
| ReturnHeader/ReturnTs | 0 | 2020-03-02T17:57:37-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2017-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2017-12-31 |
| ReturnHeader/TaxYr | 0 | 2017 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $32,706,065
- Liabilities
- $27,677,711
- Net assets
- $5,028,354
- Revenue
- $1,508,087
- Expenses
- $1,174,124
- Net income
- $333,963