Civic Intelligence

Ibew Plus Credit Union

990 • Fiscal year 2014 • EIN 88-0067875

Jan 01, 2014 to Dec 31, 2014 • Filed on Oct 19, 2015

Organization ProfileWWW.PLUSCU.ORG

View Organization Page

1900 South Jones BlvdLas Vegas, NV 89146

(702) 871-4746

Siviq Scores

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

Liabilities / Assets

29th percentile

0.87x

Higher debt load relative to assets than 29% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

30th percentile

16.02x

Higher debt load relative to revenue than 30% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

79th percentile

18%

Higher net margin than 79% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

95th percentile

$229,307

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 5.3% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

38th percentile

1.4%

Faster asset growth than 38% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

2nd percentile

-14%

Faster revenue growth than 2% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets29th percentile

Assets

Up

$79,837,242

Up $1,093,473 (+1.4%) from 2013

Net Assets

Up

$10,292,189

Up $778,991 (+8.2%) from 2013

Liabilities

Up

$69,545,053

Up $314,482 (+0.5%) from 2013

Revenue And Expenses
Liabilities / Revenue30th percentileNet Margin79th percentile

Revenue

Down

$4,340,343

Down $694,972 (-14%) from 2013

Expenses

Up

$3,561,352

Up $155,599 (+4.6%) from 2013

Net Income

Down

$778,991

Down $850,571 (-52%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth38th percentile

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

$150M$100M$50M$0Assets 2010: $95,335,331Liabilities 2010: $87,167,062Net Assets 2010: $8,168,2692010Assets 2011: $86,060,860Liabilities 2011: $78,819,146Net Assets 2011: $7,241,7142011Assets 2012: $81,906,914Liabilities 2012: $73,800,733Net Assets 2012: $8,106,1812012Assets 2013: $78,743,769Liabilities 2013: $69,230,571Net Assets 2013: $9,513,1982013Assets 2014: $79,837,242Liabilities 2014: $69,545,053Net Assets 2014: $10,292,1892014Assets 2015: $79,979,266Liabilities 2015: $69,342,356Net Assets 2015: $10,636,9102015Assets 2016: $82,459,732Liabilities 2016: $71,335,330Net Assets 2016: $11,124,4022016Assets 2017: $87,970,010Liabilities 2017: $76,379,159Net Assets 2017: $11,590,8512017Assets 2018: $89,614,863Liabilities 2018: $77,541,484Net Assets 2018: $12,073,3792018Assets 2019: $92,490,756Liabilities 2019: $79,929,171Net Assets 2019: $12,561,5852019Assets 2020: $107,836,262Liabilities 2020: $94,690,149Net Assets 2020: $13,146,1132020Assets 2021: $115,817,912Liabilities 2021: $103,295,576Net Assets 2021: $12,522,3362021Assets 2022: $114,417,679Liabilities 2022: $103,516,912Net Assets 2022: $10,900,7672022Assets 2023: $119,100,579Liabilities 2023: $106,652,995Net Assets 2023: $12,447,5842023Assets 2024: $123,763,069Liabilities 2024: $110,441,425Net Assets 2024: $13,321,6442024

Highlighted filing

2014

Assets$79,837,242
Liabilities$69,545,053
Net Assets$10,292,189
Open 2014 Filing

Operations Trend

Revenue Growth2nd percentile

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

$10M$5.0M$0Expenses 2010: $9,892,9362010Expenses 2011: $6,431,3112011Expenses 2012: $3,734,9952012Revenue 2013: $5,035,315Expenses 2013: $3,405,753Net Income 2013: $1,629,5622013Revenue 2014: $4,340,343Expenses 2014: $3,561,352Net Income 2014: $778,9912014Revenue 2015: $3,975,802Expenses 2015: $3,625,751Net Income 2015: $350,0512015Revenue 2016: $4,083,308Expenses 2016: $3,601,146Net Income 2016: $482,1622016Revenue 2017: $3,963,216Expenses 2017: $3,485,757Net Income 2017: $477,4592017Revenue 2018: $4,033,539Expenses 2018: $3,542,569Net Income 2018: $490,9702018Revenue 2019: $4,101,011Expenses 2019: $3,739,126Net Income 2019: $361,8852019Revenue 2020: $3,420,151Expenses 2020: $3,300,591Net Income 2020: $119,5602020Revenue 2021: $3,377,704Expenses 2021: $3,372,710Net Income 2021: $4,9942021Revenue 2022: $3,766,214Expenses 2022: $3,355,561Net Income 2022: $410,6532022Revenue 2023: $5,510,028Expenses 2023: $4,349,848Net Income 2023: $1,160,1802023Revenue 2024: $5,953,910Expenses 2024: $5,039,380Net Income 2024: $914,5302024

Highlighted filing

2014

Revenue$4,340,343
Expenses$3,561,352
Net Income$778,991
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Oct 19, 2015
Return Version
2014v5.0
Gross Receipts
$4,340,343
Mission and Program Overview

Mission

A cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest set by the board of directors and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, plus credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons.

A cooperative, organized for the purpose of promoting thrift and savings among its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$58,405,790$60,962,795▲ $2,557,005
Savings and Temporary Cash Investments$14,210,381$12,804,160▼ $1,406,221
Rtn Earn Endowment Incm Other Fnds$9,513,198$10,292,189▲ $778,991
Land, Buildings, and Equipment, Net$3,580,234$3,469,288▼ $110,946
Cash and Non-Interest-Bearing Accounts$731,696$792,274▲ $60,578
Investments in Publicly Traded Securities$245,000$0▼ $245,000
Prepaid Expenses and Deferred Charges$190,341$180,608▼ $9,733
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$78,743,769$79,837,242▲ $1,093,473
Other Assets Total$1,380,327$1,628,117▲ $247,790
Liabilities
Other Liabilities$68,183,142$68,087,410▼ $95,732
Accounts Payable and Accrued Expenses$1,047,429$1,457,643▲ $410,214
Total Liabilities$69,230,571$69,545,053▲ $314,482
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,513,198$10,292,189▲ $778,991
Total Liabilities and Net Assets / Fund Balance$78,743,769$79,837,242▲ $1,093,473

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,866,069$1,004,072$3,870,141
Equipment$64,878$1,074,286$1,139,164
Other Land Buildings$151,871$598,247$750,118
Leasehold Improvements$128,339$519,193$647,532
Land$258,131-$258,131
Investment Program Related Org$240,884--
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carol SchumacherPresident/CEOFT$183,671$45,636$229,307
Kelly EthierCLOFT$116,186$17,872$134,058
Leroy HolmstromCFO (former)FT$67,425$10,872$78,297
Timothy AitkenCFO (former)FT$11,607-$11,607
Shaunda ClarkCFOFT$11,058-$11,058
Christopher NolanBoard Member--$190$190
Donna BradleyBoard Member--$190$190
Michael FritchleyBoard Member--$190$190
Phil AllenTreasurer--$190$190
Richard OsoskiBoard Member--$190$190
Robert Duke CannonBoard Member--$190$190
Robert E CannonChairperson--$190$190
Sam HornbeckVice Chairperson--$190$190
Wendi SiedleckiSecretary--$190$190
Gary MaugerSupv Cmte Member--$190$190
Michael KreimeyerSupv Cmte Chairman--$190$190
Michael WisnerSupv Cmte Member--$190$190
Robert TarboxSupv Cmte Member--$190$190

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & Associates INCNetwork System & MaintenancePO BOX 609, Monett, MO 65708$180,522
Cu Cooperative Systems INCVisa Network Connection9692 HAVEN AVE, Rancho Cucamonga, CA 91730$172,742
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,722,844
Investment Income
$256,197
Other Revenue
$361,302
Change in Net Assets
$778,991

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,961,273
Revenue Not Reported on Financial Statements
$379,070
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$379,070
Total Revenue per Audited Statements
$3,961,273
Total Revenue per Form 990
$4,340,343
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,924,430
Other Expenses$1,636,922
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,144,868
Current Officers, Directors, Trustees, and Key Employees---$410,979
Information Technology---$387,159
Office Expenses---$221,868
Other Employee Benefits---$197,624
Depreciation Depletion---$182,684
Fees for Services Other---$173,482
Occupancy---$159,716
Interest---$142,070
Payroll Taxes---$132,653
Insurance---$71,570
Travel---$43,868
Pension Plan Contributions---$38,306
Other Expenses---$21,869
All Other Expenses---$10,402
Advertising---$8,235
Fees for Services Legal---$3,783
Total Functional Expenses$0$0$0$3,561,352

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$3,561,352
Expenses per Audited Statements$3,182,282
Total Expenses per Audited Statements$3,182,282
Expenses Not Reported on Financial Statements$379,070
Other Expense Adjustments$379,070
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$68,087,410
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
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 2

“Robert cannon and robert "duke" cannon - family relationship”

Form 990, Part VI, Section A, Line 6

“Ibew plus credit union is a cooperative financial institution that is owned and controlled by its members, and operated for the purpose of promoting thrift and savings to its members. Ibew plus credit union does not have stockholders.”

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

“The governing board of ibew plus credit union is comprised of volunteer members who are directly elected by its members. Each member of the governing board serves for a period as prescribed by our by-laws.”

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

“At the end of each term of the board members, elections are held and board members are voted by the members of the credit union pursuant to its by-laws. Member votes are also required to ratify decisions dealing with reorganizations as in the case of merger or dissolution.”

Form 990, Part VI, Section B, Line 11

“The officers review the information and compare it to the information presented, any narratives are read for accuracy. A copy of the 990 will also be provided to the board of directors.”

Form 990, Part VI, Section B, Line 12

“The credit union does not have a formal written conflict of interest policy. Officers, directors, and key employees are required to disclose a conflict of interest when it arises.”

Form 990, Part VI, Section B, Line 15

“Officers are volunteers. Key employee compensation is brought forward by the board treasurer and is set by the board. They utilize two industry surveys and it is completed during an executive session in november.”

Form 990, Part VI, Section C, Line 19

“Financial statements are displayed at each branch.”

Filing and Contact Details

Filer

Filer Name
Ibew Plus Credit Union
EIN
88-0067875
Phone
7028714746
Address
1900 SOUTH JONES BLVD, LAS VEGAS, NV 89146
Doing Business As
Plus Credit Union

Signing Officer

Name
Shaunda Clark
Title
CFO
Phone
7022575944
Signed
2015-10-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Carol Schumacher
Formed
1983
Legal Domicile
Nv
Voting Board Members
9
Independent Board Members
9
Employees
50
Volunteers
13

Preparer

Firm
Turner Warren Hwang & Conrad Acctcy
Address
100 NORTH FIRST ST STE 202, BURBANK, CA 91502
Preparer
Valentino Creus CPA
Phone
8189549700
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“The organization has not changed either its oversight process or selection process during the tax year. See attached form 3115 for ibew plus credit union ein (88-0067875).”

Financial Statement Notes

PART X, LINE 2:

“Fasb asc 740-10-65, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax positions are "more likely than not" of being sustained "when challenged" or "when examined" by the applicable tax authority. Tax positions deemed to not meet the more-likely-than-not threshold would be recorded as a tax expense and liability in the current year. For the year ended december 31, 2014, management has determined that there are no material uncertain tax positions. The credit union is not subject to examination by u.s. Federal tax authorities for tax years before 2011 and state tax authorities for tax years before 2010.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Provision for loan losses reclassified between revenue and expense 348,075. Net loss on sale of oreos reclassified between revenue and expense 30,995.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Provision for loan losses reclassified between revenue and expense 348,075. Net loss on sale of oreos reclassified between revenue and expense 30,995.”

Raw XML AppendixShowing 400 of 512 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Desc0THE LAS VEGAS ELECTRICAL FEDERAL CREDIT UNION WAS FORMED IN 1952, IN LAS VEGAS, NEVADA WITH 100 MEMBERS OF I.B.E.W. LOCAL #357 AS THE CHARTER MEMBERS OF THE CREDIT UNION. IBEW PLUS CREDIT UNION WAS THE FIRST UNION-REPRESENTED CREDIT UNION IN NEVADA. OVER THE YEARS, WE HAVE BECOME A FULL-SERVICE FINANCIAL INSTITUTION OFFERING OUR MEMBERS THE HIGHEST LEVEL OF SERVICE, RESPECT, AND SECURITY. OUR LENDING PROGRAM ENCOMPASSES ALL LENDING AREAS UNDER WHICH OUR MEMBERS MAY NEED CONSUMER CREDIT DURING THEIR MEMBERSHIP WITH IBEW PLUS CREDIT UNION, SUCH AS AUTO LOANS, HOME LOANS, AND HOME EQUITY LOANS. CONVERSELY, WHERE OUR MEMBERS NEED A SAVINGS VESSEL THAT GIVES THE SAFETY AND SECURITY OF BANKING DEPOSIT PRODUCTS, IBEW PLUS CREDIT UNION OFFERS A WIDE VARIETY OF INTEREST BEARING CONSUMER DEPOSIT ACCOUNTS FROM CHECKING ACCOUNTS THROUGH IRA TIME DEPOSITS AND ALL THINGS IN BETWEEN. OUR DRIVING PRINCIPLE IS TO BE AVAILABLE FOR OUR MEMBERS/OWNER'S FINANCIAL NEEDS WHILE PROVIDING AN ENVIRONMENT WHERE OUR MEMBER/OWNER'S FINANCIAL NEEDS COMPLIMENT AND ASSIST OTHER MEMBER/OWNER'S NEEDS AND REQUIREMENTS IN A PURELY COOPERATIVE ENVIRONMENT.
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IRS990/Form990PartVIISectionAGrp/PersonNm0ROBERT E CANNON
IRS990/Form990PartVIISectionAGrp/PersonNm1SAM HORNBECK
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IRS990/Form990PartVIISectionAGrp/PersonNm3WENDI SIEDLECKI
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IRS990/Form990PartVIISectionAGrp/PersonNm7CHRISTOPHER NOLAN
IRS990/Form990PartVIISectionAGrp/PersonNm8ROBERT DUKE CANNON
IRS990/Form990PartVIISectionAGrp/PersonNm9MICHAEL KREIMEYER
IRS990/Form990PartVIISectionAGrp/PersonNm10ROBERT TARBOX
IRS990/Form990PartVIISectionAGrp/PersonNm11GARY MAUGER
IRS990/Form990PartVIISectionAGrp/PersonNm12MICHAEL WISNER
IRS990/Form990PartVIISectionAGrp/PersonNm13CAROL SCHUMACHER
IRS990/Form990PartVIISectionAGrp/PersonNm14KELLY ETHIER
IRS990/Form990PartVIISectionAGrp/PersonNm15SHAUNDA CLARK
IRS990/Form990PartVIISectionAGrp/PersonNm16LEROY HOLMSTROM
IRS990/Form990PartVIISectionAGrp/PersonNm17TIMOTHY AITKEN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13204703
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14116186
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1511058
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1667425
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1711607
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/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPV CMTE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt14CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt15CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt16CFO (FORMER)
IRS990/Form990PartVIISectionAGrp/TitleTxt17CFO (FORMER)
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01983
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt04340343
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0387159
IRS990/InsuranceGrp/TotalAmt071570
IRS990/InterestGrp/TotalAmt0142070
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0256197
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0256197
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt058405790
IRS990/InvestmentsProgramRelatedGrp/EOYAmt060962795
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0245000
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt02036
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03195798
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03580234
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03469288
IRS990/LandBldgEquipCostOrOtherBssAmt06665086
IRS990/LegalDomicileStateCd0NV
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT ANDSAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, PLUS CREDIT UNION CONDUCTSITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITSMEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt09513198
IRS990/NetAssetsOrFundBalancesEOYAmt010292189
IRS990/NetUnrelatedBusTxblIncmAmt0-67302
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0159716
IRS990/OfficeExpensesGrp/TotalAmt0221868
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01380327
IRS990/OtherAssetsTotalGrp/EOYAmt01628117
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0197624
IRS990/OtherExpensesGrp/Desc0INSURANCE DEDUCTIBLE EX
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING FEES
IRS990/OtherExpensesGrp/Desc2NET LOSS ON SALE OF ORE
IRS990/OtherExpensesGrp/Desc3MISC OPERATING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0100000
IRS990/OtherExpensesGrp/TotalAmt179221
IRS990/OtherExpensesGrp/TotalAmt230995
IRS990/OtherExpensesGrp/TotalAmt321869
IRS990/OtherLiabilitiesGrp/BOYAmt068183142
IRS990/OtherLiabilitiesGrp/EOYAmt068087410
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0PROVISION FOR LOAN LOS
IRS990/OtherRevenueMiscGrp/Desc1NET GAIN ON SALE OF OR
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0348075
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt113227
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0348075
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt113227
IRS990/OtherRevenueTotalAmt0361302
IRS990/OtherSalariesAndWagesGrp/TotalAmt01144868
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0132653
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt038306
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0190341
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0180608
IRS990/PrincipalOfficerNm0CAROL SCHUMACHER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOANS TO MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02772153
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1561672
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2378002
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02772153
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1561672
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2389019
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt011017
IRS990/ProgSrvcAccomActy2Grp/Desc0ACCESSIBILITY TO THEIR FUNDS IS HIGH ON OUR MEMBERS' WISH LIST. WITH OUR SERVICES, THEY CAN ACCESS THEIR FUNDS THROUGH THE AUTOMATED CLEARING HOUSE, BY CHECK, BY ATM/DEBIT CARDS, PHONE, HOME BANKING, MOBILE ACCESS, ETC.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE CREDIT UNION STRIVES TO KEEP ITS DIVIDEND RATES WITHIN THE HIGHER END OF THE MARKET TO HELP MEMBERS IMPROVE THEIR WEALTH. DIFFERENT SAVINGS PRODUCTS ARE AVAILABLE FOR DIFFERENT LEVELS OF SAVINGS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt02475
IRS990/PYInvestmentIncomeAmt0472838
IRS990/PYOtherExpensesAmt01641033
IRS990/PYOtherRevenueAmt0611725
IRS990/PYProgramServiceRevenueAmt03950752
IRS990/PYRevenuesLessExpensesAmt01629562
IRS990/PYSalariesCompEmpBnftPaidAmt01762245
IRS990/PYTotalExpensesAmt03405753
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05035315
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0778991
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09513198
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010292189
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014210381
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012804160
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02866069
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01004072
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03870141
IRS990ScheduleD/EquipmentGrp/BookValueAmt064878
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01074286
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01139164
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0379070
IRS990ScheduleD/ExpensesSubtotalAmt03182282
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt040630435
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt143095
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2886381
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt319162000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4240884
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0LOANS & LEASES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1OTHER INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2ASI INSURANCE DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3DEPOSITS IN BANKS AND OTHER CUS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4CORP CREDIT UNION CAP
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/LandGrp/BookValueAmt0258131
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0258131
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0128339
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0519193
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0647532
IRS990ScheduleD/OtherExpensesNotIncludedAmt0379070
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0151871
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0598247
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0750118
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt068087410
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0379070
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0379070
IRS990ScheduleD/RevenueSubtotalAmt03961273
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE LIKELY THAN NOT" OF BEING SUSTAINED "WHEN CHALLENGED" OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEAR ENDED DECEMBER 31, 2014, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. THE CREDIT UNION IS NOT SUBJECT TO EXAMINATION BY U.S. FEDERAL TAX AUTHORITIES FOR TAX YEARS BEFORE 2011 AND STATE TAX AUTHORITIES FOR TAX YEARS BEFORE 2010.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1PROVISION FOR LOAN LOSSES RECLASSIFIED BETWEEN REVENUE AND EXPENSE 348,075. NET LOSS ON SALE OF OREOS RECLASSIFIED BETWEEN REVENUE AND EXPENSE 30,995.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2PROVISION FOR LOAN LOSSES RECLASSIFIED BETWEEN REVENUE AND EXPENSE 348,075. NET LOSS ON SALE OF OREOS RECLASSIFIED BETWEEN REVENUE AND EXPENSE 30,995.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03469288
IRS990ScheduleD/TotalBookValueProgramRltdAmt060962795
IRS990ScheduleD/TotalExpensesPerForm990Amt03561352
IRS990ScheduleD/TotalLiabilityAmt068087410
IRS990ScheduleD/TotalRevenuePerForm990Amt04340343
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03961273
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03182282
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$79,837,242
Liabilities
$69,545,053
Net assets
$10,292,189
Revenue
$4,340,343
Expenses
$3,561,352
Net income
$778,991
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$124$110$13.3$5.95$5.04$0.91
2023Detailed filing. Detailed filing data is available for this year.$119$107$12.4$5.51$4.35$1.16
2022Detailed filing. Detailed filing data is available for this year.$114$104$10.9$3.77$3.36$0.41
2021Detailed filing. Detailed filing data is available for this year.$116$103$12.5$3.38$3.37$0.00
2020Detailed filing. Detailed filing data is available for this year.$108$94.7$13.1$3.42$3.30$0.12
2019Detailed filing. Detailed filing data is available for this year.$92.5$79.9$12.6$4.10$3.74$0.36
2018Detailed filing. Detailed filing data is available for this year.$89.6$77.5$12.1$4.03$3.54$0.49
2017Detailed filing. Detailed filing data is available for this year.$88.0$76.4$11.6$3.96$3.49$0.48
2016Detailed filing. Detailed filing data is available for this year.$82.5$71.3$11.1$4.08$3.60$0.48
2015Detailed filing. Detailed filing data is available for this year.$80.0$69.3$10.6$3.98$3.63$0.35
2014Detailed filing. Detailed filing data is available for this year.$79.8$69.5$10.3$4.34$3.56$0.78
2013Detailed filing. Detailed filing data is available for this year.$78.7$69.2$9.51$5.04$3.41$1.63
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.9$73.8$8.11$3.73
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$86.1$78.8$7.24$6.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$95.3$87.2$8.17$9.89