Civic Intelligence

Financial Horizons Credit Union

EIN 88-0057898 • 501(c)14 • Hawthorne, NV

View Organization Page

Profile

To provide financial services and solutions to the members/owners of the credit union.

PO Box 2288Hawthorne, NV 89415

www.fhcunv.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

88th percentile

0.93x

Higher debt load relative to assets than 88% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

95th percentile

20.81x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

76th percentile

15%

Higher net margin than 76% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

4th percentile

$177,073

Higher top officer pay than 4% of similar nonprofits.

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

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

58th percentile

3.8%

Faster asset growth than 58% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

14th percentile

2.3%

Faster revenue growth than 14% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$293,186,609

Up $10,724,164 (+3.8%) from 2023

Liabilities

Up

$271,941,669

Up $6,686,230 (+2.5%) from 2023

Net Assets

Up

$21,244,940

Up $4,037,934 (+23%) from 2023

Operations
Liabilities / Revenue95th percentileNet Margin76th percentile

Revenue

Up

$13,065,234

Up $299,374 (+2.3%) from 2023

Expenses

Up

$11,060,942

Up $1,550,177 (+16%) from 2023

Net Income

Down

$2,004,292

Down $1,250,803 (-38%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$300M$200M$100M$0Assets 2010: $130,160,652Liabilities 2010: $119,113,418Net Assets 2010: $11,047,2342010Assets 2011: $135,473,183Liabilities 2011: $122,579,078Net Assets 2011: $12,894,1052011Assets 2012: $137,143,436Liabilities 2012: $123,483,831Net Assets 2012: $13,659,6052012Assets 2013: $140,330,169Liabilities 2013: $126,971,392Net Assets 2013: $13,358,7772013Assets 2014: $155,831,877Liabilities 2014: $140,347,613Net Assets 2014: $15,484,2642014Assets 2015: $164,600,535Liabilities 2015: $148,116,896Net Assets 2015: $16,483,6392015Assets 2016: $175,430,597Liabilities 2016: $158,040,177Net Assets 2016: $17,390,4202016Assets 2017: $195,017,785Liabilities 2017: $176,204,326Net Assets 2017: $18,813,4592017Assets 2018: $190,741,572Liabilities 2018: $170,438,349Net Assets 2018: $20,303,2232018Assets 2019: $197,320,118Liabilities 2019: $173,588,846Net Assets 2019: $23,731,2722019Assets 2020: $235,857,449Liabilities 2020: $209,602,055Net Assets 2020: $26,255,3942020Assets 2021: $270,951,452Liabilities 2021: $245,041,645Net Assets 2021: $25,909,8072021Assets 2022: $272,248,064Liabilities 2022: $260,990,449Net Assets 2022: $11,257,6152022Assets 2023: $282,462,445Liabilities 2023: $265,255,439Net Assets 2023: $17,207,0062023Assets 2024: $293,186,609Liabilities 2024: $271,941,669Net Assets 2024: $21,244,9402024

Highlighted filing

2024

Assets$293,186,609
Liabilities$271,941,669
Net Assets$21,244,940
Open 2024 Filing

Operations Trend

Revenue Growth14th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$15M$10M$5.0M$0Expenses 2010: $6,220,9762010Expenses 2011: $5,753,4792011Expenses 2012: $5,846,1222012Revenue 2013: $6,275,931Expenses 2013: $5,153,665Net Income 2013: $1,122,2662013Revenue 2014: $6,256,587Expenses 2014: $5,004,604Net Income 2014: $1,251,9832014Revenue 2015: $6,365,660Expenses 2015: $5,251,001Net Income 2015: $1,114,6592015Revenue 2016: $6,959,991Expenses 2016: $5,581,790Net Income 2016: $1,378,2012016Revenue 2017: $7,543,600Expenses 2017: $6,089,563Net Income 2017: $1,454,0372017Revenue 2018: $8,286,534Expenses 2018: $6,426,665Net Income 2018: $1,859,8692018Revenue 2019: $8,573,703Expenses 2019: $6,600,282Net Income 2019: $1,973,4212019Revenue 2020: $8,084,971Expenses 2020: $6,638,311Net Income 2020: $1,446,6602020Revenue 2021: $8,770,455Expenses 2021: $6,630,124Net Income 2021: $2,140,3312021Revenue 2022: $10,449,697Expenses 2022: $7,430,584Net Income 2022: $3,019,1132022Revenue 2023: $12,765,860Expenses 2023: $9,510,765Net Income 2023: $3,255,0952023Revenue 2024: $13,065,234Expenses 2024: $11,060,942Net Income 2024: $2,004,2922024

Highlighted filing

2024

Revenue$13,065,234
Expenses$11,060,942
Net Income$2,004,292
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$293,186,609
Liabilities
$271,941,669
Net assets
$21,244,940
Revenue
$13,065,234
Expenses
$11,060,942
Net income
$2,004,292
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$293$272$21.2$13.1$11.1$2.00
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$282$265$17.2$12.8$9.51$3.26
2022Detailed filing. Detailed filing data is available for this year.$272$261$11.3$10.4$7.43$3.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$271$245$25.9$8.77$6.63$2.14
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$236$210$26.3$8.08$6.64$1.45
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$197$174$23.7$8.57$6.60$1.97
2018Detailed filing. Detailed filing data is available for this year.$191$170$20.3$8.29$6.43$1.86
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$195$176$18.8$7.54$6.09$1.45
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$175$158$17.4$6.96$5.58$1.38
2015Detailed filing. Detailed filing data is available for this year.$165$148$16.5$6.37$5.25$1.11
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$156$140$15.5$6.26$5.00$1.25
2013Detailed filing. Detailed filing data is available for this year.$140$127$13.4$6.28$5.15$1.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$137$123$13.7$5.85
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$135$123$12.9$5.75
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$119$11.0$6.22
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 12, 2023
Return Version
2022v5.0
Gross Receipts
$13,223,760
Mission and Program Overview

Mission

To provide financial services and solutions to the members/owners of the credit union.

Financial cooperative providing financial services (solutions) to the member/owners of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$115,932,729$126,735,485▲ $10,802,756
Investments Other Securities$128,529,074$114,536,418▼ $13,992,656
Cash and Non-Interest-Bearing Accounts$13,795,746$17,745,204▲ $3,949,458
Rtn Earn Endowment Incm Other Fnds$25,909,807$11,257,615▼ $14,652,192
Land, Buildings, and Equipment, Net$4,583,815$4,328,387▼ $255,428
Receivables From Officers Etc$3,823,346$3,935,751▲ $112,405
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$270,951,452$272,248,064▲ $1,296,612
Other Assets Total$4,286,742$4,966,819▲ $680,077
Liabilities
Other Liabilities$244,512,349$260,061,657▲ $15,549,308
Accounts Payable and Accrued Expenses$529,296$928,792▲ $399,496
Total Liabilities$245,041,645$260,990,449▲ $15,948,804
Net Assets / Fund Balance
Total Net Assets Fund Balance$25,909,807$11,257,615▼ $14,652,192
Total Liabilities and Net Assets / Fund Balance$270,951,452$272,248,064▲ $1,296,612

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,364,261$2,802,389$6,166,650
Equipment$151,744$756,380$908,124
Other Land Buildings$82,563$722,742$805,305
Land$729,819-$729,819
Other Securities$345,402--
Compensation and Service Providers
Top Officer Pay4th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Theresa LuporiCEOFT$138,761$17,245$156,006
Chris SchneiderCFOFT$130,864$16,850$147,714

Board Members and Trustees

NameTitle
Jim ScottChairman
Randall EmmVice Chairman
Barbara ReuterBoard Member
Jeremy WilliamsBoard Member
Thomas EricksonBoard Member
Joann Blake-sciaraniSecretary
Doug HomesteadTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservProvides Member Services255 FISERV DRIVE, Brookfield, WI 53045$1,195,744
-It And Consulting Services4600 MISSOURI FLAT ROAD STE 11, Placerville, CA 95667$185,672
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,618,100
Investment Income
$2,831,597
Other Revenue
$0
Change in Net Assets
$3,019,113

Audited Revenue Reconciliation

Revenue per Audited Statements
$10,449,697
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$10,449,697
Total Revenue per Form 990
$10,449,697
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,502,591
Salaries, Compensation, and Employee Benefits$2,927,993
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,011,548
Information Technology---$1,875,055
Office Expenses---$544,499
Occupancy---$402,969
Interest---$399,321
Other Employee Benefits---$355,745
Current Officers, Directors, Trustees, and Key Employees---$303,720
Fees for Service Investment Mgmnt Fees---$195,076
Payroll Taxes---$181,378
Fees for Services Other---$168,637
Other Expenses---$145,603
All Other Expenses---$92,033
Pension Plan Contributions---$75,602
Fees for Services Accounting---$68,750
Conferences and Meetings---$28,811
Total Functional Expenses$0$0$0$7,430,584

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$7,430,584
Total Expenses per Audited Statements$7,430,584
Total Expenses per Form 990$7,430,584
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$3,823,346$3,935,751▲ $112,405
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE AND SAVINGS ACCOUNTS$260,061,657
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
No
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 6

“The credit union is member owned.”

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

“Annually every member has a right to vote for members running for open board of director seats.”

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

“If a merger or change of insurer were to be considered, a vote of the members would be taken.”

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

“The form 990 will be reviewed by the ceo and the cfo before it is filed with the irs. The board will review the form 990 after it is filed as part of its board activities.”

Form 990, Part VI, Section B, Line 15

“A review of the credit union's goals is performed by the board of directors and compensation is based upon the findings presented in the review.”

Form 990, Part VI, Section C, Line 18

“The credit union's 990 is available upon request to anyone who wishes to view the document.”

Form 990, Part VI, Section C, Line 19

“The credit union does not have a written conflict of interest policy. Its governing documents and finanical statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Financial Horizons Credit Union
EIN
88-0057898
Phone
7759452421
Address
PO BOX 2288, HAWTHORNE, NV 89415

Signing Officer

Name
Theresa Lupori
Title
President/CEO
Phone
7759452421
Signed
2023-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Theresa Lupori
Formed
1947
Legal Domicile
Nv
Voting Board Members
7
Independent Board Members
7
Employees
57
Volunteers
0

Preparer

Firm
BARNARD VOGLER & CO CPA'S
Address
100 W LIBERTY STREET SUITE 1100, RENO, NV 89501-1959
Preparer
Teela Mccullar
Phone
7757866141
Supplemental Narrative

Additional Explanations

Part XII Line 2C

“This process has not changed from prior years.”

Raw XML AppendixShowing 400 of 449 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/BOYAmt0529296
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0928792
IRS990/AccountsReceivableGrp/BOYAmt0115932729
IRS990/AccountsReceivableGrp/EOYAmt0126735485
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0FINANCIAL COOPERATIVE PROVIDING FINANCIAL SERVICES (SOLUTIONS) TO THE MEMBER/OWNERS OF THE CREDIT UNION.
IRS990/AllOtherExpensesGrp/TotalAmt092033
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0CHRIS SCHNEIDER
IRS990/BooksInCareOfDetail/PhoneNum07759452421
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0201 N MAIN STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0YERINGTON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NV
IRS990/BooksInCareOfDetail/USAddress/ZIPCd089447
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt013795746
IRS990/CashNonInterestBearingGrp/EOYAmt017745204
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0303720
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt028811
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt01195744
IRS990/ContractorCompensationGrp/CompensationAmt1185672
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0255 FISERV DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt14600 MISSOURI FLAT ROAD STE 11
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0BROOKFIELD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1PLACERVILLE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0WI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd053045
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd195667
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0FISERV
IRS990/ContractorCompensationGrp/ContractorName/PersonNm0CHRISTOPHER PETERSON
IRS990/ContractorCompensationGrp/ServicesDesc0PROVIDES MEMBER SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc1IT AND CONSULTING SERVICES
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt02831597
IRS990/CYOtherExpensesAmt04502591
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt07618100
IRS990/CYRevenuesLessExpensesAmt03019113
IRS990/CYSalariesCompEmpBnftPaidAmt02927993
IRS990/CYTotalExpensesAmt07430584
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt010449697
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0TO PROVIDE FINANCIAL SERVICES AND SOLUTIONS TO THE MEMBERS/OWNERS OF THE CREDIT UNION.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt057
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt068750
IRS990/FeesForServicesOtherGrp/TotalAmt0168637
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt0195076
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt24.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt017245
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt116850
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0THERESA LUPORI
IRS990/Form990PartVIISectionAGrp/PersonNm1CHRIS SCHNEIDER
IRS990/Form990PartVIISectionAGrp/PersonNm2JIM SCOTT
IRS990/Form990PartVIISectionAGrp/PersonNm3DOUG HOMESTEAD
IRS990/Form990PartVIISectionAGrp/PersonNm4JOANN BLAKE-SCIARANI
IRS990/Form990PartVIISectionAGrp/PersonNm5RANDALL EMM
IRS990/Form990PartVIISectionAGrp/PersonNm6JEREMY WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm7THOMAS ERICKSON
IRS990/Form990PartVIISectionAGrp/PersonNm8BARBARA REUTER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0138761
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1130864
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01947
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0-46820
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt02727243
IRS990/GrossReceiptsAmt013223760
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01875055
IRS990/InterestGrp/TotalAmt0399321
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02878417
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02878417
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0128529074
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0114536418
IRS990/IRPDocumentCnt01349
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04281511
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04583815
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04328387
IRS990/LandBldgEquipCostOrOtherBssAmt08609898
IRS990/LegalDomicileStateCd0NV
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt02774063
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE FINANCIAL SERVICES AND SOLUTIONS TO THE MEMBERS/OWNERS OF THE CREDIT UNION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt025909807
IRS990/NetAssetsOrFundBalancesEOYAmt011257615
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-46820
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-46820
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-17671305
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0402969
IRS990/OfficeExpensesGrp/TotalAmt0544499
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04286742
IRS990/OtherAssetsTotalGrp/EOYAmt04966819
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0355745
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1SPECIAL PREMIUM ASSESSM
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3EDUCATION AND PROMOTION
IRS990/OtherExpensesGrp/TotalAmt0230000
IRS990/OtherExpensesGrp/TotalAmt1178127
IRS990/OtherExpensesGrp/TotalAmt2173710
IRS990/OtherExpensesGrp/TotalAmt3145603
IRS990/OtherLiabilitiesGrp/BOYAmt0244512349
IRS990/OtherLiabilitiesGrp/EOYAmt0260061657
IRS990/OtherSalariesAndWagesGrp/TotalAmt02011548
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0181378
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt075602
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0THERESA LUPORI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc3INSURANCE COMMISSIONS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05128700
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12038413
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2273508
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3177479
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05128700
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12038413
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2273508
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3177479
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01769652
IRS990/PYOtherExpensesAmt03855327
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt07000803
IRS990/PYRevenuesLessExpensesAmt02140331
IRS990/PYSalariesCompEmpBnftPaidAmt02774797
IRS990/PYTotalExpensesAmt06630124
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08770455
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt03823346
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt03935751
IRS990/ReconcilationRevenueExpnssAmt03019113
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt025909807
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt011257615
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03364261
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02802389
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06166650
IRS990ScheduleD/EquipmentGrp/BookValueAmt0151744
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0756380
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0908124
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt07430584
IRS990ScheduleD/LandGrp/BookValueAmt0729819
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0729819
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt082563
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0722742
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0805305
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0260061657
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE AND SAVINGS ACCOUNTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0100024016
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt114167000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2345402
IRS990ScheduleD/OtherSecuritiesGrp/Desc0FEDERAL AGENCY MORTGAGE BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc2OTHER
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt010449697
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04328387
IRS990ScheduleD/TotalBookValueSecuritiesAmt0114536418
IRS990ScheduleD/TotalExpensesPerForm990Amt07430584
IRS990ScheduleD/TotalLiabilityAmt0260061657
IRS990ScheduleD/TotalRevenuePerForm990Amt010449697
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt010449697
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt07430584
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0138761
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt017245
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0THERESA LUPORI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0156006
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS USED COMPENSATION SURVEYS TO ESTABLISH APPROPRIATE SALARY AMOUNTS FOR THE CEO. ADDITIONALLY, THE CEO'S SALARY IS APPROVED BY THE BOARD.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01913266
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt12022485
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SPLIT-DOLLAR LIFE INSURANCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1SPLIT-DOLLAR LIFE INSURANCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt01672785
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt11768276
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0THERESA LUPORI
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1CHRIS SCHNEIDER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CFO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/TotalBalanceDueAmt03935751
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MEMBER OWNED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ANNUALLY EVERY MEMBER HAS A RIGHT TO VOTE FOR MEMBERS RUNNING FOR OPEN BOARD OF DIRECTOR SEATS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2IF A MERGER OR CHANGE OF INSURER WERE TO BE CONSIDERED, A VOTE OF THE MEMBERS WOULD BE TAKEN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 WILL BE REVIEWED BY THE CEO AND THE CFO BEFORE IT IS FILED WITH THE IRS. THE BOARD WILL REVIEW THE FORM 990 AFTER IT IS FILED AS PART OF ITS BOARD ACTIVITIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A REVIEW OF THE CREDIT UNION'S GOALS IS PERFORMED BY THE BOARD OF DIRECTORS AND COMPENSATION IS BASED UPON THE FINDINGS PRESENTED IN THE REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION'S 990 IS AVAILABLE UPON REQUEST TO ANYONE WHO WISHES TO VIEW THE DOCUMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION DOES NOT HAVE A WRITTEN CONFLICT OF INTEREST POLICY. ITS GOVERNING DOCUMENTS AND FINANICAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THIS PROCESS HAS NOT CHANGED FROM PRIOR YEARS.
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 A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7PART XII LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0270951452
IRS990/TotalAssetsEOYAmt0272248064
IRS990/TotalAssetsGrp/BOYAmt0270951452
IRS990/TotalAssetsGrp/EOYAmt0272248064
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt057
IRS990/TotalFunctionalExpensesGrp/TotalAmt07430584
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0245041645
IRS990/TotalLiabilitiesEOYAmt0260990449
IRS990/TotalLiabilitiesGrp/BOYAmt0245041645
IRS990/TotalLiabilitiesGrp/EOYAmt0260990449
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt025909807
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt011257615
IRS990/TotalOtherCompensationAmt034095
IRS990/TotalProgramServiceRevenueAmt07618100
IRS990/TotalReportableCompFromOrgAmt0269625
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt010449697
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt010449697

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