Liabilities / Assets
41st percentile
Higher debt load relative to assets than 41% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.89x
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
10th percentile
Faster asset growth than 10% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Down$133,707,286
Down $1,958,951 (-1.4%) from 2010
Net Assets
Up$14,620,837
Up $1,335,469 (+10%) from 2010
Liabilities
Down$119,086,449
Down $3,294,420 (-2.7%) from 2010
Revenue And Expenses
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$8,402,800
Down $4,406,304 (-34%) from 2010
Net Income
-
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2011 to Dec 31, 2011
- Signed
- Oct 15, 2012
- Return Version
- 2011v1.2
- Gross Receipts
- $10,175,578
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, weststar 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.
Major Activities
- Activity 2
- Weststar credit union provides a variety of checking and savings accounts to meet its members' needs.
- Activity 3
- Weststar credit union provides members free access to their account information via the internet and mobile devices. The credit union also provides an extensive atm network with over 28,000 surcharge free atms via a co-op network.
Filing and Contact Details
Filer
- EIN
- 88-0132649
Raw XML AppendixShowing 400 of 451 raw XML fields
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
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| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 2050636 |
| IRS990/AccountsReceivable/BOY | 0 | 0 |
| IRS990/ActivitiesConductedPartnership | 0 | 0 |
| IRS990/Activity2/Description | 0 | WESTSTAR CREDIT UNION PROVIDES A VARIETY OF CHECKING AND SAVINGS ACCOUNTS TO MEET ITS MEMBERS' NEEDS. |
| IRS990/Activity3/Description | 0 | WESTSTAR CREDIT UNION PROVIDES MEMBERS FREE ACCESS TO THEIR ACCOUNT INFORMATION VIA THE INTERNET AND MOBILE DEVICES. THE CREDIT UNION ALSO PROVIDES AN EXTENSIVE ATM NETWORK WITH OVER 28,000 SURCHARGE FREE ATMS VIA A CO-OP NETWORK. |
| IRS990/ActivityOrMissionDescription | 0 | A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 8395 W SUNSET RD NO 200 |
| IRS990/AddressPrincipalOfficerUS/City | 0 | LAS VEGAS |
| IRS990/AddressPrincipalOfficerUS/State | 0 | NV |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 89113 |
| IRS990/Advertising/Total | 0 | 141573 |
| IRS990/AllOtherExpenses/Total | 0 | 21154 |
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| IRS990/BenefitsPaidToMembersPriorYear | 0 | 0 |
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| IRS990/CashNonInterestBearing/BOY | 0 | 1676377 |
| IRS990/CashNonInterestBearing/EOY | 0 | 1860871 |
| IRS990/ChangesToOrganizingDocs | 0 | 0 |
| IRS990/CollectionsOfArt | 0 | 0 |
| IRS990/CompCurrentOfficersDirectors/Total | 0 | 293587 |
| IRS990/CompensationFromOtherSources | 0 | 0 |
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| IRS990/DepreciationDepletion/Total | 0 | 546673 |
| IRS990/DescribedIn501C3 | 0 | 0 |
| IRS990/Description | 0 | WESTSTAR CREDIT UNION PROVIDES VARIOUS LOAN PRODUCTS INCLUDING RESIDENTIAL MORTGAGES, AUTO LOANS, CREDIT CARDS AND OTHER CONSUMER LOANS. |
| IRS990/DisregardedEntity | 0 | 0 |
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| IRS990/FeesForServicesLegal/Total | 0 | 38582 |
| IRS990/FeesForServicesOther/Total | 0 | 23709 |
| IRS990/FinancialStatementSeparate | 0 | X |
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| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 7 | 3.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 8 | 40.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 9 | 40.00 |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 0 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 1 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 2 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 3 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 4 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 5 | X |
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| IRS990/Form990PartVIISectionA/NamePerson | 2 | DOUG MICHAEL |
| IRS990/Form990PartVIISectionA/NamePerson | 3 | JOHN MARINO |
| IRS990/Form990PartVIISectionA/NamePerson | 4 | JEFF PERO |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | FRANK CRANE |
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| IRS990/Form990PartVIISectionA/Title | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 5 | SUPV COMMITTEE MEMBER |
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| IRS990/Form990PartVIISectionA/Title | 8 | PRESIDENT/CEO |
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| IRS990/GroupReturnForAffiliates | 0 | 0 |
| IRS990/Hospital | 0 | 0 |
| IRS990/IndependentAuditFinancialStmt | 0 | 1 |
| IRS990/IndoorTanningServices | 0 | 0 |
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| IRS990/InfoInScheduleOPartXI | 0 | X |
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| IRS990/InvestmentsPubTradedSecurities/BOY | 0 | 11009840 |
| IRS990/InvestmentsPubTradedSecurities/EOY | 0 | 16646493 |
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| IRS990/MissionDescription | 0 | A 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, WESTSTAR 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/MoreThan5000KToIndividuals | 0 | 0 |
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| IRS990/NameOfPrincipalOfficerPerson | 0 | RICK SCHMIDT |
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| IRS990/NetUnrelatedBusinessTxblIncome | 0 | -222944 |
| IRS990/NonDeductibleContributions | 0 | 0 |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 2153 |
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| IRS990/NumberOfContractorsGT100K | 0 | 0 |
| IRS990/NumberOfEmployees | 0 | 99 |
| IRS990/NumberW2GIncluded | 0 | 0 |
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| IRS990/OfficeExpenses/Total | 0 | 1740723 |
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| IRS990/OtherExpenses/Description | 0 | LOAN SERVICING EXPENSE |
| IRS990/OtherExpenses/Description | 1 | LOSS ON OREOS |
| IRS990/OtherExpenses/Description | 2 | MISC OPERATING FEES |
| IRS990/OtherExpenses/Description | 3 | OTHER NON-OPERATING EXP |
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| IRS990/OtherSalariesAndWages/Total | 0 | 2679881 |
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| IRS990/ProgramServiceRevenue/Description | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenue/Description | 2 | OTHER OPERATING INCOME |
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| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 2 | 345764 |
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| IRS990/ProhibitedTaxShelterTrans | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtc/BOY | 0 | 0 |
| IRS990/ReconcilationOtherChanges | 0 | 151832 |
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| IRS990ScheduleD/Equipment/BookValue | 0 | 839200 |
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| IRS990ScheduleD/ExpensesSubtotal | 0 | 8402800 |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation | 0 | ASC 740-10-65 (FASB INTERPRETATION NO. 48, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES, AN INTERPRETATION OF SFAS NO. 109) WAS ISSUED TO CREATE A SINGLE MODEL TO ADDRESS ACCOUNTING UNCERTAINTY IN TAX POSITIONS. THIS STANDARD CLARIFIES THE ACCOUNTING FOR INCOME TAXES BY PRESCRIBING A MINIMUM RECOGNITION THRESHOLD A TAX POSITION IS REQUIRED TO MEET BEFORE BEING RECOGNIZED IN THE FINANCIAL STATEMENTS. THIS STANDARD ALSO PROVIDES GUIDANCE ON MEASUREMENT, DERECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, DISCLOSURE AND TRANSITION. THE CREDIT UNION ADOPTED THIS STANDARD ON JANUARY 1, 2009. AS A RESULT OF THE IMPLEMENTATION OF THIS STANDARD, THE CREDIT UNION DID NOT RECOGNIZE ANY LIABILITY FOR UNRECOGNIZED TAX BENEFITS. |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation | 1 | ADJUSTMENT TO PRIOR YEAR UNDIVIDED EARNINGS 17,879. |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier | 0 | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier | 1 | PART XI, LINE 8 - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference | 0 | PART X: |
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| IRS990ScheduleD/InvestmentsProgramRelated/BookValue | 1 | 670738 |
| IRS990ScheduleD/InvestmentsProgramRelated/BookValue | 2 | 1195654 |
| IRS990ScheduleD/InvestmentsProgramRelated/BookValue | 3 | 73988631 |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 0 | DEPOSITS IN COMMERICAL BANKS |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 1 | ALL OTHER INVESTMENT IN CORPORATE CREDIT UNIONS |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 2 | NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 3 | LOANS & LEASES |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 0 | F |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 1 | F |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 2 | F |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 3 | F |
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| IRS990ScheduleD/Land/OtherCostOrOtherBasis | 0 | 332679 |
| IRS990ScheduleD/LeaseholdImprovements/BookValue | 0 | 115761 |
| IRS990ScheduleD/LeaseholdImprovements/Depreciation | 0 | 565619 |
| IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis | 0 | 681380 |
| IRS990ScheduleD/NetUnrealizedGLOnInvestments | 0 | 133953 |
| IRS990ScheduleD/OtherAmount | 0 | 17879 |
| IRS990ScheduleD/OtherExpensesIncluded | 0 | 15088 |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 117035813 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | MEMBER SHARES AND DEPOSITS |
| IRS990ScheduleD/OtherRevenues | 0 | 15087 |
| IRS990ScheduleD/RevenueNotRptdF990 | 0 | 15087 |
| IRS990ScheduleD/RevenueNotRptdOnFinStmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotal | 0 | 9604316 |
| IRS990ScheduleD/TotalAdjustments | 0 | 151832 |
| IRS990ScheduleD/TotalExpenses | 0 | 8402800 |
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| IRS990ScheduleD/TotalOfAmounts | 0 | 117035813 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 2241744 |
| IRS990ScheduleD/TotalOfBookValueProgramRelated | 0 | 90113023 |
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| IRS990ScheduleD/TotalRevenuePerForm990 | 0 | 9604316 |
| IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt | 0 | 8417888 |
| IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt | 0 | 9619403 |
| IRS990ScheduleJ/BoardOrCommitteeApproval | 0 | X |
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| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | WESTSTAR 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. WESTSTAR CREDIT UNION DOES NOT HAVE STOCKHOLDERS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | THE GOVERNING BOARD OF WESTSTAR 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. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | 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. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | THE ORGANIZATION'S FORM 990, RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX, IS PREPARED BY AN OUTSIDE ACCOUNTING FIRM AND IS REVIEWED BY THE CFO. EACH BOARD MEMBER SHALL RECEIVE A COMPLETED DRAFT OF THE FORM 990 FOR REVIEW PRIOR TO FILING EACH YEAR. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | ALL POLICIES ARE REVIEWED BY MANAGEMENT AND APPROVED BY THE BOARD ANNUALLY. SUCH POLICIES ARE DISTRIBUTED TO ALL EMPLOYEES ELECTRONICALLY WITH REQUEST FOR READ RECEIPT. THE CONFLICT OF INTEREST POLICY IN INCLUDED IN THE EMPLOYEE HANDBOOK. ALL SITUATIONS THAT MAY RESULT IN A CONFLICT OF INTEREST MUST BE DISCLOSED. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 5 | IN NORMAL CIRCUMSTANCES, COMPENSATION FOR ALL EMPLOYEES IS REVIEWED ANNUALLY BY THE VP OF HUMAN RESOURCES AND COMPARED WITH INDEPENDENT, THIRD-PARTY DATA RELATED TO INDUSTRY AND REGIONAL COMPENSATION. IN 2009 DURING THIS DOWNTURN, THERE WAS LAYOFFS AND SALARY REDUCTIONS. IN 2011 THE 2009 5% SALARY REDUCTION WAS REINSTATED. OTHERWISE THERE WAS NO SALARY ADJUSTMENT UNLESS JOB RESPONSIBILITIES CHANGED. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 6 | GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC ANYTIME UPON REQUEST. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 7 | NET UNREALIZED GAINS ON INVESTMENTS: 133,953. ADJUSTMENT TO PRIOR YEAR UNDIVIDED EARNINGS 17,879. TOTAL TO FORM 990, PART XI, LINE 5: 151,832. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 8 | THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. |
| IRS990ScheduleO/GeneralExplanation/Identifier | 0 | CHANGES IN NET ASSETS OR FUND BALANCES: |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 7 | FORM 990, PART XI, LINE 5: |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 8 | FORM 990, PART XII, LINE 2C |
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| IRS990/TotalAssetsEOY | 0 | 133707286 |
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Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $133,707,286
- Liabilities
- $119,086,449
- Net assets
- $14,620,837
- Revenue
- -
- Expenses
- $8,402,800
- Net income
- -