Liabilities / Assets
82nd percentile
Higher debt load relative to assets than 82% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
82nd percentile
Higher debt load relative to assets than 82% of similar nonprofits.
Liabilities / Revenue
41st percentile
Higher debt load relative to revenue than 41% of similar nonprofits.
Net Margin
12th percentile
Higher net margin than 12% of similar nonprofits.
Top Officer Pay
61st percentile
Higher top officer pay than 61% of similar nonprofits.
Top officer pay equals 11.8% of source-year revenue.
Asset Growth
20th percentile
Faster asset growth than 20% of similar nonprofits.
Revenue Growth
55th percentile
Faster revenue growth than 55% of similar nonprofits.
Assets
Down$13,956,271
Down $166,604 (-1.2%) from 2014
Net Assets
Down$1,248,221
Down $42,546 (-3.3%) from 2014
Liabilities
Down$12,708,050
Down $124,058 (-1.0%) from 2014
Revenue
Up$679,867
Up $7,050 (+1.0%) from 2014
Expenses
Down$722,793
Down $127,415 (-15%) from 2014
Net Income
Up-$42,926
Up $134,465 (+76%) from 2014
Credit union / financial services - where people and service matter
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $7,814,211 | $8,233,049 | ▲ $418,838 |
| Savings and Temporary Cash Investments | $5,412,075 | $4,850,758 | ▼ $561,317 |
| Rtn Earn Endowment Incm Other Fnds | $1,290,767 | $1,248,221 | ▼ $42,546 |
| Receivables From Officers Etc | $23,201 | $120,785 | ▲ $97,584 |
| Prepaid Expenses and Deferred Charges | $65,052 | $64,608 | ▼ $444 |
| Cash and Non-Interest-Bearing Accounts | $37,869 | $53,680 | ▲ $15,811 |
| Land, Buildings, and Equipment, Net | $29,940 | $19,032 | ▼ $10,908 |
| Accounts Receivable | - | $0 | - |
| Pledges and Grants Receivable | - | $0 | - |
| Receivable From Disqualified Prsn | - | $0 | - |
| Investments Other Securities | - | $0 | - |
| Investments Program Related | - | $0 | - |
| Investments in Publicly Traded Securities | - | $0 | - |
| Intangible Assets | - | $0 | - |
| Inventories for Sale or Use | - | $0 | - |
| Total Assets | $14,122,875 | $13,956,271 | ▼ $166,604 |
| Other Assets Total | $740,527 | $614,359 | ▼ $126,168 |
| Liabilities | |||
| Other Liabilities | $12,795,320 | $12,658,779 | ▼ $136,541 |
| Accounts Payable and Accrued Expenses | $36,788 | $49,271 | ▲ $12,483 |
| Total Liabilities | $12,832,108 | $12,708,050 | ▼ $124,058 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,290,767 | $1,248,221 | ▼ $42,546 |
| Total Liabilities and Net Assets / Fund Balance | $14,122,875 | $13,956,271 | ▼ $166,604 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Other Land Buildings | $19,032 | $117,606 | $136,638 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| S Stewart Mouritsen | President & CEO | FT | $80,027 | $80,027 |
| Name | Title |
|---|---|
| Rex Sorenson | Chairman |
| Kelly Baker | Vice Chairman |
| Dan C Milano | Board Member |
| Rick Buchanan | Board Member |
| Steven Christensen | Board Member |
| Susan Wernli | Board Member |
| Lynn Waterson | Secretary |
| Line Item | Amount |
|---|---|
| Other Expenses | $407,827 |
| Salaries, Compensation, and Employee Benefits | $292,633 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Office Expenses | $175,482 | - | - | $175,482 |
| Other Salaries and Wages | $140,135 | - | - | $140,135 |
| Current Officers, Directors, Trustees, and Key Employees | $80,027 | - | - | $80,027 |
| Other Employee Benefits | $43,652 | - | - | $43,652 |
| Occupancy | $27,882 | - | - | $27,882 |
| Information Technology | $23,146 | - | - | $23,146 |
| Insurance | $23,131 | - | - | $23,131 |
| Benefits to Members | $22,333 | - | - | $22,333 |
| Payroll Taxes | $19,194 | - | - | $19,194 |
| Depreciation Depletion | $17,659 | - | - | $17,659 |
| Fees for Services Legal | $16,927 | - | - | $16,927 |
| Advertising | $13,194 | - | - | $13,194 |
| Other Expenses | $12,783 | - | - | $12,783 |
| Pension Plan Contributions | $9,625 | - | - | $9,625 |
| All Other Expenses | $7,097 | - | - | $7,097 |
| Fees for Services Other | $7,000 | - | - | $7,000 |
| Fees for Services Management | $6,458 | - | - | $6,458 |
| Travel | $5,099 | - | - | $5,099 |
| Total Functional Expenses | $722,793 | $0 | $0 | $722,793 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $722,793 |
| Total Expenses per Audited Statements | $722,793 |
| Total Expenses per Form 990 | $722,793 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $23,201 | $120,785 | ▲ $97,584 |
| Receivables from Disqualified Persons | - | $0 | - |
| Liability | Amount |
|---|---|
| Member Shares & Certificates | $12,658,779 |
“The credit union has members, all of whom have equal voting rights.”
“The credit union members elect the board of directors”
“The credit union governing body's policy decison are subject to the approval of its members.”
“The form 990 is reviewed by the directors and the president of the company.”
“The credit union makes its governing documents, conflicts of interest policy and financial statements available to the public upon written request for reveiw at its offices.”
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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 36788 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 49271 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | CREDIT UNION / FINANCIAL SERVICES - WHERE PEOPLE AND SERVICE MATTER |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 13194 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 13194 |
| IRS990/AllAffiliatesIncludedInd | 0 | false |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 7097 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 7097 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BenefitsToMembersGrp/ProgramServicesAmt | 0 | 22333 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 22333 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | STEWART MOURITSEN |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 8019730575 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 2250 S REDWOOD ROAD |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | SALT LAKE CITY |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | UT |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 84119 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 37869 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 53680 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 80027 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 80027 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 22333 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 54760 |
| IRS990/CYOtherExpensesAmt | 0 | 407827 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 625107 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -42926 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 292633 |
| IRS990/CYTotalExpensesAmt | 0 | 722793 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 679867 |
| IRS990/DAFExcessBusinessHoldingsInd | 0 | false |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 17659 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 17659 |
| IRS990/Desc | 0 | NON-PROFIT FEDERALLY INSURED STATE CHARTERED CREDIT UNION |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DistributionToDonorInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 7 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/EscrowAccountInd | 0 | false |
| IRS990/ExpenseAmt | 0 | 722793 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 16927 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 16927 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/ProgramServicesAmt | 0 | 6458 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 6458 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 7000 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 7000 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| 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/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 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | REX SORENSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | KELLY BAKER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | LYNN WATERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | STEVEN CHRISTENSEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | RICK BUCHANAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | SUSAN WERNLI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | DAN C MILANO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | S STEWART MOURITSEN |
| 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 | 80027 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | President & CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/Form990TFiledInd | 0 | false |
| IRS990/FormationYr | 0 | 1956 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 679867 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | true |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 23146 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 23146 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 23131 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 23131 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 54760 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 54760 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/InvestTaxExemptBondsInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 2 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 117606 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 29940 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 19032 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 136638 |
| IRS990/LegalDomicileStateCd | 0 | UT |
| IRS990/LicensedMoreThanOneStateInd | 0 | false |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LobbyingActivitiesInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | CREDIT UNION / FINANCIAL SERVICES - WHERE PEOPLE AND SERVICE MATTER |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1290767 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1248221 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 380 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 27882 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 27882 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 175482 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 175482 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OnBehalfOfIssuerInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OrgFiledInLieuOfForm1041Ind | 0 | false |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 740527 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 614359 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 43652 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 43652 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | ONLINE BANKING/BILLPAY |
| IRS990/OtherExpensesGrp/Desc | 2 | SHARED BRANCH EXP |
| IRS990/OtherExpensesGrp/Desc | 3 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 30000 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 23045 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 18924 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 12783 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 30000 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 23045 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 18924 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 12783 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 12795320 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 12658779 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 140135 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 140135 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 7814211 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 8233049 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 19194 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 19194 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 9625 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 9625 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 65052 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 64608 |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | FEES AND CHARGES |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | MORTGAGE PROCESSING INCOM |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 69462 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 443065 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 3346 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 109234 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 69462 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 443065 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 3346 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 109234 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 34409 |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 29824 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 522341 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 642993 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -177391 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 293458 |
| IRS990/PYTotalExpensesAmt | 0 | 850208 |
| IRS990/PYTotalRevenueAmt | 0 | 672817 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 23201 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 120785 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -42926 |
| IRS990/RegularMonitoringEnfrcInd | 0 | false |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RevenueAmt | 0 | 679867 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1290767 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1248221 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 5412075 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 4850758 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 722793 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 19032 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 117606 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 136638 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 12658779 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES & CERTIFICATES |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 679867 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 19032 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 722793 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 12658779 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 679867 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 679867 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 722793 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 120785 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | VISA CAR |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 141865 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | AS GROUP BOARD CEO ETC |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | AS GROUP |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | true |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 120785 |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION HAS MEMBERS, ALL OF WHOM HAVE EQUAL VOTING RIGHTS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION MEMBERS ELECT THE BOARD OF DIRECTORS |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE CREDIT UNION GOVERNING BODY'S POLICY DECISON ARE SUBJECT TO THE APPROVAL OF ITS MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE FORM 990 IS REVIEWED BY THE DIRECTORS AND THE PRESIDENT OF THE COMPANY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON WRITTEN REQUEST FOR REVEIW AT ITS OFFICES. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Line 11b: Form 990 Review Process |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Line 19: Other Organization Documents Publicly Available |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxableDistributionsInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 14122875 |
| IRS990/TotalAssetsEOYAmt | 0 | 13956271 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 14122875 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 13956271 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 7 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 722793 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 722793 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 12832108 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 12708050 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 12832108 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 12708050 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1290767 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1248221 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 722793 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 625107 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 80027 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 679867 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 679867 |
| IRS990/TotalVolunteersCnt | 0 | 9 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 14122875 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 13956271 |
| IRS990/TransactionWithControlEntInd | 0 | false |
| IRS990/TravelGrp/ProgramServicesAmt | 0 | 5099 |
| IRS990/TravelGrp/TotalAmt | 0 | 5099 |
| IRS990/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.PANDSCU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2016-09-27 15:27:22Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | STEWART MOURITSEN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | President & CEO |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-02-22 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | P&S CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | P&SC |
| ReturnHeader/Filer/EIN | 0 | 870239728 |
| ReturnHeader/Filer/PhoneNum | 0 | 8019730575 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 2250 S REDWOOD ROAD |
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Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.