Civic Intelligence

Verity Credit Union

990 • Fiscal year 2017 • EIN 91-0219005

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 15, 2018

Organization ProfileWWW.VERITYCU.COM

View Organization Page

11027 Meridian Avenue NorthSeattle, WA 98133

(800) 444-4589

Siviq Scores

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

Liabilities / Assets

80th percentile

0.91x

Higher debt load relative to assets than 80% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

56th percentile

18.41x

Higher debt load relative to revenue than 56% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

33rd percentile

9.7%

Higher net margin than 33% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

37th percentile

$354,342

Higher top officer pay than 37% of similar nonprofits.

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

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

47th percentile

4.9%

Faster asset growth than 47% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

31st percentile

5.5%

Faster revenue growth than 31% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$530,157,055

Up $24,887,554 (+4.9%) from 2016

Net Assets

Up

$47,010,059

Up $2,542,215 (+5.7%) from 2016

Liabilities

Up

$483,146,996

Up $22,345,339 (+4.8%) from 2016

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin33rd percentile

Revenue

Up

$26,237,468

Up $1,372,699 (+5.5%) from 2016

Expenses

Up

$23,698,398

Up $195,494 (+0.8%) from 2016

Net Income

Up

$2,539,070

Up $1,177,205 (+86%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth47th percentile

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

$1.0B$500M$0Assets 2010: $366,726,691Liabilities 2010: $336,606,099Net Assets 2010: $30,120,5922010Assets 2011: $383,448,460Liabilities 2011: $355,631,042Net Assets 2011: $27,817,4182011Assets 2012: $396,732,179Liabilities 2012: $362,738,225Net Assets 2012: $33,993,9542012Assets 2013: $427,238,627Liabilities 2013: $390,598,762Net Assets 2013: $36,639,8652013Assets 2014: $444,186,282Liabilities 2014: $403,214,185Net Assets 2014: $40,972,0972014Assets 2015: $480,799,813Liabilities 2015: $437,223,089Net Assets 2015: $43,576,7242015Assets 2016: $505,269,501Liabilities 2016: $460,801,657Net Assets 2016: $44,467,8442016Assets 2017: $530,157,055Liabilities 2017: $483,146,996Net Assets 2017: $47,010,0592017Assets 2018: $586,322,977Liabilities 2018: $535,916,101Net Assets 2018: $50,406,8762018Assets 2019: $632,831,218Liabilities 2019: $576,822,353Net Assets 2019: $56,008,8652019Assets 2020: $692,415,165Liabilities 2020: $632,921,587Net Assets 2020: $59,493,5782020Assets 2021: $786,265,441Liabilities 2021: $720,037,204Net Assets 2021: $66,228,2372021Assets 2022: $865,179,017Liabilities 2022: $793,586,208Net Assets 2022: $71,592,8092022Assets 2023: $840,507,603Liabilities 2023: $761,932,770Net Assets 2023: $78,574,8332023Assets 2024: $771,402,594Liabilities 2024: $699,545,795Net Assets 2024: $71,856,7992024

Highlighted filing

2017

Assets$530,157,055
Liabilities$483,146,996
Net Assets$47,010,059
Open 2017 Filing

Operations Trend

Revenue Growth31st percentile

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

$60M$40M$20M$0Expenses 2010: $24,258,7342010Expenses 2011: $26,715,0012011Expenses 2012: $22,811,7872012Revenue 2013: $27,535,849Expenses 2013: $22,200,594Net Income 2013: $5,335,2552013Revenue 2014: $22,946,556Expenses 2014: $19,855,502Net Income 2014: $3,091,0542014Revenue 2015: $23,211,269Expenses 2015: $20,252,523Net Income 2015: $2,958,7462015Revenue 2016: $24,864,769Expenses 2016: $23,502,904Net Income 2016: $1,361,8652016Revenue 2017: $26,237,468Expenses 2017: $23,698,398Net Income 2017: $2,539,0702017Revenue 2018: $30,676,718Expenses 2018: $26,867,176Net Income 2018: $3,809,5422018Revenue 2019: $35,340,037Expenses 2019: $31,432,617Net Income 2019: $3,907,4202019Revenue 2020: $32,916,475Expenses 2020: $31,338,323Net Income 2020: $1,578,1522020Revenue 2021: $35,849,734Expenses 2021: $28,147,812Net Income 2021: $7,701,9222021Revenue 2022: $38,343,946Expenses 2022: $30,623,047Net Income 2022: $7,720,8992022Revenue 2023: $45,304,618Expenses 2023: $45,018,854Net Income 2023: $285,7642023Revenue 2024: $48,232,886Expenses 2024: $47,200,102Net Income 2024: $1,032,7842024

Highlighted filing

2017

Revenue$26,237,468
Expenses$23,698,398
Net Income$2,539,070
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 15, 2018
Return Version
2017v2.3
Gross Receipts
$47,868,989
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, verity 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 cooperation organized for the purpose of promoting thrift and savings among its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$350,973,915$399,849,924▲ $48,876,009
Investments in Publicly Traded Securities$86,160,505$88,521,767▲ $2,361,262
Rtn Earn Endowment Incm Other Fnds$44,467,844$47,010,059▲ $2,542,215
Land, Buildings, and Equipment, Net$11,166,025$10,460,042▼ $705,983
Investments Other Securities$7,540,965$7,293,516▼ $247,449
Savings and Temporary Cash Investments$27,565,518$6,401,295▼ $21,164,223
Cash and Non-Interest-Bearing Accounts$5,377,536$4,713,206▼ $664,330
Receivables From Officers Etc$2,732,688$2,735,632▲ $2,944
Accounts Receivable$1,049,001$1,221,371▲ $172,370
Prepaid Expenses and Deferred Charges$816,632$1,004,731▲ $188,099
Investments Program Related$616,200$404,000▼ $212,200
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$505,269,501$530,157,055▲ $24,887,554
Other Assets Total$11,270,516$7,551,571▼ $3,718,945
Liabilities
Other Liabilities$442,329,915$463,126,792▲ $20,796,877
Mortgage Notes Payable Secured by Investment Property$12,400,000$13,400,000▲ $1,000,000
Accounts Payable and Accrued Expenses$6,071,742$6,620,204▲ $548,462
Total Liabilities$460,801,657$483,146,996▲ $22,345,339
Net Assets / Fund Balance
Total Net Assets Fund Balance$44,467,844$47,010,059▲ $2,542,215
Total Liabilities and Net Assets / Fund Balance$505,269,501$530,157,055▲ $24,887,554

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,834,938$4,497,289$9,332,227
Equipment$1,991,405$4,545,411$6,536,816
Leasehold Improvements$1,725,851$1,993,778$3,719,629
Land$1,620,348-$1,620,348
Other Land Buildings$287,500-$287,500
Compensation and Service Providers
Top Officer Pay37th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
John ZmolekCEOFT$293,496$60,846$354,342
Justin MartinCOOFT$163,064$23,388$186,452
Jason HirlCTOFT$147,060$23,063$170,123
Sherry Steckly-duffyCOO (through 8/17)FT$130,267$35,806$166,073
Ken ButlerDirector of Wealth ManagementFT$49,342$115,004$164,346
Michael MitchellCFO (through 9/17)FT$124,338$10,782$135,120
Heidi Cleavland-wesleyCMOFT$109,253$9,813$119,066
Paul McjannetDirector of Project ManagementFT$101,278$15,091$116,369
Lewis BequetteControllerFT$103,626$9,691$113,317
Joshua SidellDirector of Member ExperienceFT$102,469$4,099$106,568
Brad TanbergCFOFT$12,500-$12,500

Board Members and Trustees

NameTitle
Zachary S GoseChair
Benjamin LundellVice Chair
Dan StrandyVice Chair
Anthony KusskeBoard Member
Dan YoungBoard Member
David PriestlyBoard Member
Rodolfo HurtadoBoard Member
Trina VenardBoard Member
Erin HassBoard Member (through 4/17)
Steve WhiteBoard Member (through 4/17)
Karen HuntSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Kaye-smithMailing ServicesPO BOX 956, Renton, WA 98057$243,561
Hubbard RadioAdvertisingPO BOX 24952, Seattle, WA 98124$238,850
Level 3 Communications LLCTelecommunicationPO BOX 910182, Denver, CO 80291$217,131
Diebold IncorporatedAtm ServicesPO BOX 643543, Pittsburg, PA 15264$196,416
Kasasa LtdReward Checking ServicesPO BOX 527, Lubbock, TX 79408$179,414
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$23,706,626
Investment Income
$2,142,936
Other Revenue
$387,906
Change in Net Assets
$2,539,070
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$14,696,962
Salaries, Compensation, and Employee Benefits$9,001,436
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$6,329,614
Information Technology---$1,833,469
Interest---$1,576,682
Depreciation Depletion---$1,445,748
Advertising---$1,213,119
Current Officers, Directors, Trustees, and Key Employees---$1,024,610
All Other Expenses---$987,574
Office Expenses---$971,598
Occupancy---$915,120
Other Expenses---$900,551
Other Employee Benefits---$838,422
Payroll Taxes---$612,001
Fees for Services Other---$240,213
Conferences and Meetings---$220,338
Pension Plan Contributions---$196,789
Insurance---$118,046
Travel---$55,584
Fees for Services Accounting---$46,783
Fees for Services Legal---$14,527
Total Functional Expenses$0$0$0$23,698,398
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$2,732,688$2,735,632▲ $2,944
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share and Deposits$463,126,792
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 4

“The bylaws were updated to change the number of members of the board from a single amount required to a range.”

Form 990, Part VI, Section A, Line 6

“The credit union's members have rights to elect members of the governing body. The credit union's members also receive a share of the organization's profits in the form of cash dividends.”

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

“The governing board of verity 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 in 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 our 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 11B

“The cfo reviews the reports for accuracy, comparing to internal financial statements and other internal reports. The ceo makes the final review and approves the returns”

Form 990, Part VI, Section B, Line 12C

“All board and committee members will review and sign the statement of receipt & understanding before consideration for office. Annually they will sign the statement of receipts & understanding at the may board meeting. Credit union board and committee members must immediately disclose the existence of any known conflict of interest either with the credit union or its members. They must then recuse themselves from consideration of any contract, transaction or relationship in which they or their family members have an interest. Complaints relating to alleged violations are to be put in writing and submitted to any officer, board or supervisory committee member. Complaints will then be forward to the highest ranking individual on the board or supervisory committee who was not named in the complaint to be resolved.”

Form 990, Part VI, Section B, Line 15B

“The ceo's compensation is set by the board of directors. Senior management's compensation is determined by the ceo, who reviews salary survey data annually using two data sets for all senior management positions. These data sets are the entire credit union industry and the puget sound financial industry. For all remaining managers and staff, each position is slotted into 1 of 6 salary ranges. The salary ranges are reviewed annually by the human resources department to ensure that the job title is in the correct range. The salary ranges are adjusted every 2-3 years for inflation.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in all branches and on the website. Governing documents and conflict of interest policies are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Verity Credit Union
EIN
91-0219005
Phone
8004444589
Address
11027 MERIDIAN AVENUE NORTH, SEATTLE, WA 98133

Signing Officer

Name
Brad Tanberg
Title
CFO
Phone
8004444589
Signed
2018-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brad Tanberg
Formed
1933
Legal Domicile
Wa
Voting Board Members
9
Independent Board Members
9
Employees
139
Volunteers
21

Preparer

Firm
Moss Adams Llp
Address
2707 COLBY AVENUE SUITE 801, EVERETT, WA 98201
Preparer
Colleen Ramires
Phone
4252597227
Supplemental Narrative

Additional Explanations

FORM 990, PART III, LINE 1, DESCRIPTION OF ORGANIZATION 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, verity 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.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is a state-chartered credit union as described in internal revenue code (irc) section 501(c)(14) and, as such, is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. Many states have similar laws. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been at issue for many years. During 2007, the irs issued a series of technical advice memoranda (tams) to a number of state-chartered credit unions located throughout the country. In light of the tams, the credit union has assessed its activities and any potential federal or state income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purposes is not expected to have a material effect on the credit union's financial position or results of operations. Fasb asc 740-10-65, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed, and presented in the consolidated 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" to be 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. The credit union adopted the provisions outlined in this guidance on january 1, 2009. The credit union had no unrecognized tax positions that required adjustment to the january 1, 2009, beginning balance of undivided earnings. For the years ended december 31, 2017 and 2016, management has determined that there are no material uncertain tax positions.”

Raw XML AppendixShowing 400 of 672 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/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1127931
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1210782
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt149077
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1514807
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1614188
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt189813
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt204099
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IRS990/Form990PartVIISectionAGrp/PersonNm0ZACHARY S GOSE
IRS990/Form990PartVIISectionAGrp/PersonNm1BENJAMIN LUNDELL
IRS990/Form990PartVIISectionAGrp/PersonNm2DAN STRANDY
IRS990/Form990PartVIISectionAGrp/PersonNm3KAREN HUNT
IRS990/Form990PartVIISectionAGrp/PersonNm4RODOLFO HURTADO
IRS990/Form990PartVIISectionAGrp/PersonNm5ANTHONY KUSSKE
IRS990/Form990PartVIISectionAGrp/PersonNm6ERIN HASS
IRS990/Form990PartVIISectionAGrp/PersonNm7STEVE WHITE
IRS990/Form990PartVIISectionAGrp/PersonNm8DAN YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm9TRINA VENARD
IRS990/Form990PartVIISectionAGrp/PersonNm10DAVID PRIESTLY
IRS990/Form990PartVIISectionAGrp/PersonNm11JOHN ZMOLEK
IRS990/Form990PartVIISectionAGrp/PersonNm12MICHAEL MITCHELL
IRS990/Form990PartVIISectionAGrp/PersonNm13BRAD TANBERG
IRS990/Form990PartVIISectionAGrp/PersonNm14SHERRY STECKLY-DUFFY
IRS990/Form990PartVIISectionAGrp/PersonNm15JUSTIN MARTIN
IRS990/Form990PartVIISectionAGrp/PersonNm16JASON HIRL
IRS990/Form990PartVIISectionAGrp/PersonNm17KEN BUTLER
IRS990/Form990PartVIISectionAGrp/PersonNm18HEIDI CLEAVLAND-WESLEY
IRS990/Form990PartVIISectionAGrp/PersonNm19LEWIS BEQUETTE
IRS990/Form990PartVIISectionAGrp/PersonNm20JOSHUA SIDELL
IRS990/Form990PartVIISectionAGrp/PersonNm21PAUL MCJANNET
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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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/ReportableCompFromOrgAmt11326411
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12124338
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1312500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14156996
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15171645
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16155935
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17152692
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18109253
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19103626
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20102469
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21101278
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
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER (THROUGH 4/17)
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER (THROUGH 4/17)
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CFO (THROUGH 9/17)
IRS990/Form990PartVIISectionAGrp/TitleTxt13CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14COO (THROUGH 8/17)
IRS990/Form990PartVIISectionAGrp/TitleTxt15COO
IRS990/Form990PartVIISectionAGrp/TitleTxt16CTO
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR OF WEALTH MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt18CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt19CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR OF MEMBER EXPERIENCE
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR OF PROJECT MANAGEMENT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01933
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-73163
IRS990/GainOrLossGrp/SecuritiesAmt0239418
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt021781949
IRS990/GrossReceiptsAmt047868989
IRS990/GrossRentsGrp/RealAmt0440667
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01833469
IRS990/InsuranceGrp/TotalAmt0118046
IRS990/InterestGrp/TotalAmt01576682
IRS990/InvestmentIncomeGrp/ExclusionAmt01976681
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01976681
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt07540965
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt07293516
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0616200
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0404000
IRS990/InvestmentsPubTradedSecGrp/BOYAmt086160505
IRS990/InvestmentsPubTradedSecGrp/EOYAmt088521767
IRS990/IRPDocumentCnt051
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt011036478
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011166025
IRS990/LandBldgEquipBasisNetGrp/EOYAmt010460042
IRS990/LandBldgEquipCostOrOtherBssAmt021496520
IRS990/LegalDomicileStateCd0WA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt073163
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt021542531
IRS990/LessRentalExpensesGrp/RealAmt015827
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0SEE SCH O
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt012400000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt013400000
IRS990/NetAssetsOrFundBalancesBOYAmt044467844
IRS990/NetAssetsOrFundBalancesEOYAmt047010059
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0166255
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0166255
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0387395
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0424840
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt037445
IRS990/NetUnrelatedBusTxblIncmAmt0-344752
IRS990/NetUnrlzdGainsLossesInvstAmt03145
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0915120
IRS990/OfficeExpensesGrp/TotalAmt0971598
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt011270516
IRS990/OtherAssetsTotalGrp/EOYAmt07551571
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0838422
IRS990/OtherExpensesGrp/Desc0PURCHASED SERVICES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt02274555
IRS990/OtherExpensesGrp/TotalAmt11883055
IRS990/OtherExpensesGrp/TotalAmt2900551
IRS990/OtherLiabilitiesGrp/BOYAmt0442329915
IRS990/OtherLiabilitiesGrp/EOYAmt0463126792
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0SUBSIDIARY LOSS
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0-36934
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0399849924
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IRS990/PoliticalCampaignActyInd00
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IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt017344354
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13344021
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22819120
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt017344354
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13543152
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22819120
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0199131
IRS990/ProgSrvcAccomActy2Grp/Desc0VERITY CREDIT UNION OFFERS A FULL-SERVICE INVESTMENT PROGRAM WITH TWO REGISTERED INVESTMENT REPRESENTATIVES AND A LICENSED SUPPORT REPRESENTATIVE. AS OF DECEMBER 31, 2017, VERITY'S INVESTMENT SERVICES PROGRAM HAD 1,040 MEMBERS WHO HAVE 2,024 ACCOUNTS, AND $139,707,779 IN ASSETS UNDER MANAGEMENT.
IRS990/ProgSrvcAccomActy3Grp/Desc0VERITY CREDIT UNION OFFERS FREE FINANCIAL COUNSELING TO ITS MEMBERS. SPECIFIC SERVICES INCLUDE FINANCIAL PLANNING, DEBT MODIFICATION ON LOANS FROM VERITY AND OTHER CREDITORS, AND DIRECT ASSISTANCE IN UTILIZING THE GOVERNMENT SPONSORED MORTGAGE RELIEF PROGRAMS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01749933
IRS990/PYOtherExpensesAmt014675279
IRS990/PYOtherRevenueAmt0662339
IRS990/PYProgramServiceRevenueAmt022452497
IRS990/PYRevenuesLessExpensesAmt01361865
IRS990/PYSalariesCompEmpBnftPaidAmt08827625
IRS990/PYTotalExpensesAmt023502904
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt024864769
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt02732688

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$530,157,055
Liabilities
$483,146,996
Net assets
$47,010,059
Revenue
$26,237,468
Expenses
$23,698,398
Net income
$2,539,070
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$771$700$71.9$48.2$47.2$1.03
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$841$762$78.6$45.3$45.0$0.29
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$865$794$71.6$38.3$30.6$7.72
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$786$720$66.2$35.8$28.1$7.70
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$692$633$59.5$32.9$31.3$1.58
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$633$577$56.0$35.3$31.4$3.91
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$586$536$50.4$30.7$26.9$3.81
2017Detailed filing. Detailed filing data is available for this year.$530$483$47.0$26.2$23.7$2.54
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$505$461$44.5$24.9$23.5$1.36
2015Detailed filing. Detailed filing data is available for this year.$481$437$43.6$23.2$20.3$2.96
2014Detailed filing. Detailed filing data is available for this year.$444$403$41.0$22.9$19.9$3.09
2013Detailed filing. Detailed filing data is available for this year.$427$391$36.6$27.5$22.2$5.34
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$397$363$34.0$22.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$383$356$27.8$26.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$367$337$30.1$24.3