Civic Intelligence

Credit Unions Chartered in the State of Utah

990 • Fiscal year 2016 • EIN 87-0254202

Jan 01, 2016 to Dec 31, 2016 • Filed on May 03, 2017

Organization ProfileWWW.NEBOCREDITUNION.ORG
730 East 300 SouthSpringville, UT 84663

(801) 491-3679

Siviq Scores

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

Liabilities / Assets

15th percentile

0.82x

Higher debt load relative to assets than 15% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

15th percentile

13.41x

Higher debt load relative to revenue than 15% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

91st percentile

22%

Higher net margin than 91% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

3rd percentile

$0

Higher top officer pay than 3% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

77th percentile

6.7%

Faster asset growth than 77% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

76th percentile

8.4%

Faster revenue growth than 76% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets15th percentile

Assets

Up

$80,479,092

Up $5,040,718 (+6.7%) from 2015

Net Assets

Up

$14,121,330

Up $1,102,928 (+8.5%) from 2015

Liabilities

Up

$66,357,762

Up $3,937,790 (+6.3%) from 2015

Revenue And Expenses
Liabilities / Revenue15th percentileNet Margin91st percentile

Revenue

Up

$4,949,293

Up $381,519 (+8.4%) from 2015

Expenses

Up

$3,846,365

Up $570,262 (+17%) from 2015

Net Income

Down

$1,102,928

Down $188,743 (-15%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth77th percentile

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

$150M$100M$50M$0Assets 2010: $59,925,548Liabilities 2010: $52,583,657Net Assets 2010: $7,341,8912010Assets 2011: $61,899,950Liabilities 2011: $54,013,106Net Assets 2011: $7,886,8442011Assets 2012: $65,185,552Liabilities 2012: $55,949,875Net Assets 2012: $9,235,6772012Assets 2013: $66,781,187Liabilities 2013: $56,377,026Net Assets 2013: $10,404,1612013Assets 2014: $68,749,955Liabilities 2014: $57,023,224Net Assets 2014: $11,726,7312014Assets 2015: $75,438,374Liabilities 2015: $62,419,972Net Assets 2015: $13,018,4022015Assets 2016: $80,479,092Liabilities 2016: $66,357,762Net Assets 2016: $14,121,3302016Assets 2017: $86,572,876Liabilities 2017: $71,359,144Net Assets 2017: $15,213,7322017Assets 2018: $93,148,849Liabilities 2018: $76,502,420Net Assets 2018: $16,646,4292018Assets 2019: $102,410,686Liabilities 2019: $84,246,139Net Assets 2019: $18,164,5472019Assets 2020: $119,431,374Liabilities 2020: $99,844,854Net Assets 2020: $19,586,5202020Assets 2021: $131,592,794Liabilities 2021: $110,863,168Net Assets 2021: $20,729,6262021Assets 2022: $136,676,352Liabilities 2022: $114,578,254Net Assets 2022: $22,098,0982022Assets 2023: $139,511,848Liabilities 2023: $118,618,267Net Assets 2023: $20,893,5812023Assets 2024: $139,744,634Liabilities 2024: $117,302,821Net Assets 2024: $22,441,8132024Assets 2025: $144,615,330Liabilities 2025: $121,105,677Net Assets 2025: $23,509,6532025

Highlighted filing

2016

Assets$80,479,092
Liabilities$66,357,762
Net Assets$14,121,330
Open 2016 Filing

Operations Trend

Revenue Growth76th percentile

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

$10M$5.0M$0Expenses 2010: $4,172,0182010Expenses 2011: $3,763,4172011Expenses 2012: $3,099,2782012Revenue 2013: $4,338,308Expenses 2013: $3,169,824Net Income 2013: $1,168,4842013Revenue 2014: $4,365,796Expenses 2014: $3,043,226Net Income 2014: $1,322,5702014Revenue 2015: $4,567,774Expenses 2015: $3,276,103Net Income 2015: $1,291,6712015Revenue 2016: $4,949,293Expenses 2016: $3,846,365Net Income 2016: $1,102,9282016Revenue 2017: $5,132,673Expenses 2017: $4,040,271Net Income 2017: $1,092,4022017Revenue 2018: $5,546,306Expenses 2018: $4,113,609Net Income 2018: $1,432,6972018Revenue 2019: $6,305,864Expenses 2019: $4,787,746Net Income 2019: $1,518,1182019Revenue 2020: $6,284,294Expenses 2020: $4,862,313Net Income 2020: $1,421,9812020Revenue 2021: $6,582,298Expenses 2021: $5,124,575Net Income 2021: $1,457,7232021Revenue 2022: $6,896,122Expenses 2022: $5,527,650Net Income 2022: $1,368,4722022Revenue 2023: $7,924,663Expenses 2023: $7,143,632Net Income 2023: $781,0312023Revenue 2024: $8,559,755Expenses 2024: $7,854,631Net Income 2024: $705,1242024Revenue 2025: $8,769,370Expenses 2025: $8,420,419Net Income 2025: $348,9512025

Highlighted filing

2016

Revenue$4,949,293
Expenses$3,846,365
Net Income$1,102,928
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 3, 2017
Return Version
2016v3.0
Gross Receipts
$4,949,293
Mission and Program Overview

Mission

Provide low-cost financial services to members including savings and loan products and services. Make a positive difference in the community and help support educators in teaching children.

Provide low-cost financial services to members including savings and loan products and services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$56,172,690$63,177,402▲ $7,004,712
Rtn Earn Endowment Incm Other Fnds$13,018,402$14,121,330▲ $1,102,928
Investments Program Related$10,330,369$9,528,097▼ $802,272
Land, Buildings, and Equipment, Net$3,708,144$3,784,057▲ $75,913
Savings and Temporary Cash Investments$2,889,326$1,409,999▼ $1,479,327
Cash and Non-Interest-Bearing Accounts$771,391$851,144▲ $79,753
Investments Other Securities$520,967$528,867▲ $7,900
Prepaid Expenses and Deferred Charges$34,826$36,269▲ $1,443
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$75,438,374$80,479,092▲ $5,040,718
Other Assets Total$1,010,661$1,163,257▲ $152,596
Liabilities
Other Liabilities$61,716,274$65,924,554▲ $4,208,280
Accounts Payable and Accrued Expenses$327,668$433,208▲ $105,540
Mortgage Notes Payable Secured by Investment Property$376,030$0▼ $376,030
Total Liabilities$62,419,972$66,357,762▲ $3,937,790
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,018,402$14,121,330▲ $1,102,928
Total Liabilities and Net Assets / Fund Balance$75,438,374$80,479,092▲ $5,040,718

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$9,528,097--
Buildings$1,704,128$839,500$0
Other Land Buildings$0$0$0
Land$1,800,902-$0
Equipment$279,027$1,316,500$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay3rd percentile

Board Members and Trustees

NameTitle
David RowleyChairperson
Rita JamesSupervisory Committee Chair
Brian SmithVice Chairperson
Gayle WareBoard Member
Rick NielsenBoard Member
Frances LarsenSecretary
Gloria NanceSupervisory Committee
Jay CornabySupervisory Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,784,970
Investment Income
$146,247
Other Revenue
$18,076
Change in Net Assets
$1,102,928
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,930,131
Salaries, Compensation, and Employee Benefits$1,896,274
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,263,126
Interest---$388,626
Other Employee Benefits---$287,508
All Other Expenses---$278,865
Pension Plan Contributions---$249,025
Office Expenses---$196,650
Depreciation Depletion---$157,123
Occupancy---$128,712
Payroll Taxes---$96,615
Other Expenses---$93,496
Advertising---$78,702
Insurance---$75,311
Fees for Services Legal---$52,403
Fees for Services Accounting---$37,895
Benefits to Members---$19,960
Conferences and Meetings---$10,757
Travel---$10,757
Total Functional Expenses$0$0$0$3,846,365
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$65,924,554
Governance and Compliance

Governance Checklist

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

“Yes. Each depositor owns 1 equal share of the Credit Union. At the end of 2016, the Credit Union had 10,847 shareholders/members”

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

“Each member may cast a vote for the members of the board of directors. Board members are elected to 3 year terms, and elections are held at the end of the term during the Credit Union's annual meeting.”

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

“The 990 is reviewed and signed by executive management and presented to the board for review.”

Form 990, Part VI, Section B, Line 15

“The Board of Directors select the CEO, Executive Director, or top management officials. The Board of Directors also performs a review of all employees and their wages compared to industry averages.”

Form 990, Part VI, Section C, Line 19

“These policies are available to all members upon request.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State of Utah
EIN
87-0254202
Phone
8014913679
Address
730 EAST 300 SOUTH, SPRINGVILLE, UT 84663
Doing Business As
Nebo Credit Union

Signing Officer

Name
Dale Phelps
Title
President
Phone
8014913691
Signed
2017-05-03

Organization Details

Principal Officer
Dale J Phelps
Formed
1956
Legal Domicile
Ut
Voting Board Members
5
Independent Board Members
0
Employees
40
Volunteers
8
Raw XML Appendix396 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0327668
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0433208
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IRS990/AdvertisingGrp/TotalAmt078702
IRS990/AllOtherExpensesGrp/TotalAmt0278865
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt019960
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0NEBO CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum08014913679
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0730 EAST 300 SOUTH
IRS990/BooksInCareOfDetail/USAddress/CityNm0SPRINGVILLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0UT
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
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IRS990/Form990PartVIISectionAGrp/PersonNm2FRANCES LARSEN
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IRS990/Form990PartVIISectionAGrp/PersonNm4RICK NIELSEN
IRS990/Form990PartVIISectionAGrp/PersonNm5RITA JAMES
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IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
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IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
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IRS990/Form990PartVIISectionAGrp/TitleTxt6SUPERVISORY COMMITTEE
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IRS990/OtherExpensesGrp/Desc2MAINTENANCE OF FURNITURE AND EQUIPMENT
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IRS990/PartialLiquidationInd00
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03544261
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1852541
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2388168
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03544261
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1852541
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2388168
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt020652
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0157693
IRS990/PYOtherExpensesAmt01671100
IRS990/PYOtherRevenueAmt017550
IRS990/PYProgramServiceRevenueAmt04392531
IRS990/PYRevenuesLessExpensesAmt01291671
IRS990/PYSalariesCompEmpBnftPaidAmt01584351
IRS990/PYTotalExpensesAmt03276103
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04567774
IRS990/ReconcilationRevenueExpnssAmt01102928
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt018076
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt013018402
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014121330
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02889326
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01409999
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01704128
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0839500
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt02543628
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0279027
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01316500
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt01595527
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt09528097
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0FASB 115 INVESTMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/LandGrp/BookValueAmt01800902
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt01800902
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt065924554
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03784057
IRS990ScheduleD/TotalBookValueProgramRltdAmt09528097
IRS990ScheduleD/TotalLiabilityAmt065924554
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Yes. Each depositor owns 1 equal share of the Credit Union. At the end of 2016, the Credit Union had 10,847 shareholders/members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Each member may cast a vote for the members of the board of directors. Board members are elected to 3 year terms, and elections are held at the end of the term during the Credit Union's annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The 990 is reviewed and signed by executive management and presented to the board for review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Board of Directors select the CEO, Executive Director, or top management officials. The Board of Directors also performs a review of all employees and their wages compared to industry averages.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4These policies are available to all members upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0UT
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt075438374
IRS990/TotalAssetsEOYAmt080479092
IRS990/TotalAssetsGrp/BOYAmt075438374
IRS990/TotalAssetsGrp/EOYAmt080479092
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt040
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03846365
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt062419972
IRS990/TotalLiabilitiesEOYAmt066357762
IRS990/TotalLiabilitiesGrp/BOYAmt062419972
IRS990/TotalLiabilitiesGrp/EOYAmt066357762
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt013018402
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt014121330
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt04784970
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04949293
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04949293
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt075438374
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt080479092
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt010757
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0730 E 300 S
IRS990/USAddress/CityNm0SPRINGVILLE
IRS990/USAddress/StateAbbreviationCd0UT
IRS990/USAddress/ZIPCd084663
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0WWW.NEBOCREDITUNION.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Dale Phelps
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum08014913691
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CREDIT UNIONS CHARTERED IN THE STATE OF UTAH
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0870254202
ReturnHeader/Filer/PhoneNum08014913679
ReturnHeader/Filer/USAddress/AddressLine1Txt0730 EAST 300 SOUTH
ReturnHeader/Filer/USAddress/CityNm0SPRINGVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0UT
ReturnHeader/Filer/USAddress/ZIPCd084663
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt050.207.66.54
ReturnHeader/ReturnTs02017-05-03T18:01:55-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$80,479,092
Liabilities
$66,357,762
Net assets
$14,121,330
Revenue
$4,949,293
Expenses
$3,846,365
Net income
$1,102,928
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$145$121$23.5$8.77$8.42$0.35
2024Detailed filing. Detailed filing data is available for this year.$140$117$22.4$8.56$7.85$0.71
2023Detailed filing. Detailed filing data is available for this year.$140$119$20.9$7.92$7.14$0.78
2022Detailed filing. Detailed filing data is available for this year.$137$115$22.1$6.90$5.53$1.37
2021Detailed filing. Detailed filing data is available for this year.$132$111$20.7$6.58$5.12$1.46
2020Detailed filing. Detailed filing data is available for this year.$119$99.8$19.6$6.28$4.86$1.42
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$102$84.2$18.2$6.31$4.79$1.52
2018Detailed filing. Detailed filing data is available for this year.$93.1$76.5$16.6$5.55$4.11$1.43
2017Detailed filing. Detailed filing data is available for this year.$86.6$71.4$15.2$5.13$4.04$1.09
2016Detailed filing. Detailed filing data is available for this year.$80.5$66.4$14.1$4.95$3.85$1.10
2015Detailed filing. Detailed filing data is available for this year.$75.4$62.4$13.0$4.57$3.28$1.29
2014Detailed filing. Detailed filing data is available for this year.$68.7$57.0$11.7$4.37$3.04$1.32
2013Detailed filing. Detailed filing data is available for this year.$66.8$56.4$10.4$4.34$3.17$1.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$65.2$55.9$9.24$3.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.9$54.0$7.89$3.76
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$59.9$52.6$7.34$4.17