Civic Intelligence

Credit Unions in the State of Washington

990 • Fiscal year 2015 • EIN 91-0403380

Jan 01, 2015 to Dec 31, 2015 • Filed on Oct 24, 2016

Organization ProfileWWW.MYC1CU.COM

View Organization Page

PO Box 870Dupont, WA 98327

(253) 722-5212

Siviq Scores

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

Liabilities / Assets

14th percentile

0.85x

Higher debt load relative to assets than 14% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

78th percentile

21.86x

Higher debt load relative to revenue than 78% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

6th percentile

-4.1%

Higher net margin than 6% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

82nd percentile

$280,599

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 6.4% of source-year revenue.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Asset Growth

7th percentile

-0.8%

Faster asset growth than 7% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

8th percentile

-5.1%

Faster revenue growth than 8% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets14th percentile

Assets

Down

$113,723,161

Down $956,730 (-0.8%) from 2014

Net Assets

Down

$17,210,958

Down $116,740 (-0.7%) from 2014

Liabilities

Down

$96,512,203

Down $839,990 (-0.9%) from 2014

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin6th percentile

Revenue

Down

$4,415,588

Down $234,861 (-5.1%) from 2014

Expenses

Up

$4,597,531

Up $109,359 (+2.4%) from 2014

Net Income

Down

-$181,943

Down $344,220 (-212%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth7th percentile

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

$300M$200M$100M$0Assets 2010: $121,337,036Liabilities 2010: $104,871,090Net Assets 2010: $16,465,9462010Assets 2011: $117,315,007Liabilities 2011: $100,831,369Net Assets 2011: $16,483,6382011Assets 2012: $113,629,156Liabilities 2012: $96,582,587Net Assets 2012: $17,046,5692012Assets 2013: $113,854,190Liabilities 2013: $97,600,093Net Assets 2013: $16,254,0972013Assets 2014: $114,679,891Liabilities 2014: $97,352,193Net Assets 2014: $17,327,6982014Assets 2015: $113,723,161Liabilities 2015: $96,512,203Net Assets 2015: $17,210,9582015Assets 2016: $111,175,818Liabilities 2016: $93,806,164Net Assets 2016: $17,369,6542016Assets 2017: $110,253,679Liabilities 2017: $93,354,749Net Assets 2017: $16,898,9302017Assets 2018: $144,682,634Liabilities 2018: $128,033,067Net Assets 2018: $16,649,5672018Assets 2019: $141,233,805Liabilities 2019: $122,250,976Net Assets 2019: $18,982,8292019Assets 2020: $174,649,243Liabilities 2020: $155,530,305Net Assets 2020: $19,118,9382020Assets 2021: $215,109,348Liabilities 2021: $194,930,109Net Assets 2021: $20,179,2392021Assets 2022: $223,097,117Liabilities 2022: $202,129,920Net Assets 2022: $20,967,1972022Assets 2023: $205,367,768Liabilities 2023: $184,315,242Net Assets 2023: $21,052,5262023Assets 2024: $186,974,161Liabilities 2024: $165,273,927Net Assets 2024: $21,700,2342024Assets 2025: $0Liabilities 2025: $0Net Assets 2025: $02025

Highlighted filing

2015

Assets$113,723,161
Liabilities$96,512,203
Net Assets$17,210,958
Open 2015 Filing

Operations Trend

Revenue Growth8th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $5,770,6992010Expenses 2011: $4,973,0042011Expenses 2012: $5,063,6522012Revenue 2013: $4,842,082Expenses 2013: $4,636,032Net Income 2013: $206,0502013Revenue 2014: $4,650,449Expenses 2014: $4,488,172Net Income 2014: $162,2772014Revenue 2015: $4,415,588Expenses 2015: $4,597,531Net Income 2015: -$181,9432015Revenue 2016: $4,674,016Expenses 2016: $4,479,070Net Income 2016: $194,9462016Revenue 2017: $4,393,751Expenses 2017: $4,847,567Net Income 2017: -$453,8162017Revenue 2018: $4,801,509Expenses 2018: $5,485,079Net Income 2018: -$683,5702018Revenue 2019: $7,240,922Expenses 2019: $6,213,723Net Income 2019: $1,027,1992019Revenue 2020: $7,385,227Expenses 2020: $7,249,118Net Income 2020: $136,1092020Revenue 2021: $8,977,951Expenses 2021: $7,917,650Net Income 2021: $1,060,3012021Revenue 2022: $10,270,112Expenses 2022: $9,482,154Net Income 2022: $787,9582022Revenue 2023: $11,928,214Expenses 2023: $11,003,885Net Income 2023: $924,3292023Revenue 2024: $11,373,637Expenses 2024: $10,725,929Net Income 2024: $647,7082024Revenue 2025: $7,823,096Expenses 2025: $7,822,765Net Income 2025: $3312025

Highlighted filing

2015

Revenue$4,415,588
Expenses$4,597,531
Net Income-$181,943
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Oct 24, 2016
Return Version
2015v2.1
Gross Receipts
$4,415,588
Mission and Program Overview

Mission

To build relationships by delivering valued banking solutions. Our goal is to be responsive to member financial needs, promote thrift, provide a full range of services, maintain financial stability, and manage growth while offering rewarding careers to our employees.

To build relationships by delivering valued banking solutions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$68,627,292$65,073,764▼ $3,553,528
Savings and Temporary Cash Investments$11,800,000$19,185,000▲ $7,385,000
Rtn Earn Endowment Incm Other Fnds$17,327,698$17,210,958▼ $116,740
Investments in Publicly Traded Securities$13,953,920$12,261,881▼ $1,692,039
Land, Buildings, and Equipment, Net$7,887,566$7,552,804▼ $334,762
Prepaid Expenses and Deferred Charges$912,459$804,211▼ $108,248
Cash and Non-Interest-Bearing Accounts$1,340,990$628,773▼ $712,217
Investments Program Related$2,000$2,000→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$114,679,891$113,723,161▼ $956,730
Other Assets Total$10,155,664$8,214,728▼ $1,940,936
Liabilities
Other Liabilities$94,709,336$93,977,901▼ $731,435
Accounts Payable and Accrued Expenses$2,642,857$2,534,302▼ $108,555
Total Liabilities$97,352,193$96,512,203▼ $839,990
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,327,698$17,210,958▼ $116,740
Total Liabilities and Net Assets / Fund Balance$114,679,891$113,723,161▼ $956,730

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,602,181$971,450$5,573,631
Equipment$660,515$1,736,186$2,396,701
Land$1,977,653-$1,977,653
Leasehold Improvements$312,455$108,725$421,180
Other Assets Org$160,234--
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Roger GiesekePres/CEOFT$241,035$39,564$280,599
Cynthia L MckrillFormer Exec Vice PresidentFT$102,816$27,047$129,863
Lisa ZvirzdysVP Sales/marketingFT$89,727$13,652$103,379

Board Members and Trustees

NameTitle
Frank WordenBoard Chair
Elaine TierneyDirector
Jan ParentDirector
Ken TitusDirector
Larry WilliamsDirector
Steve BatesDirector
Teresa WilliamsDirector
James ReidSupervisor Committee/director
Anne KushSupervisor Committee
Nick KunzSupervisor Committee

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv INCDatasafe Account ProcessingPO BOX 99924, Grapevine, TX 76099-9724$186,627
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,062,611
Investment Income
$256,951
Other Revenue
$96,026
Change in Net Assets
$-181,943
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,608,269
Salaries, Compensation, and Employee Benefits$1,989,262
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,145,925
Depreciation Depletion---$362,263
Office Expenses---$359,117
Current Officers, Directors, Trustees, and Key Employees---$352,326
Information Technology---$299,170
Other Employee Benefits---$245,358
Occupancy---$221,552
Payroll Taxes---$131,229
Pension Plan Contributions---$114,424
All Other Expenses---$68,148
Insurance---$65,791
Advertising---$39,464
Other Expenses---$34,715
Travel---$20,485
Fees for Services Accounting---$9,700
Conferences and Meetings---$2,546
Total Functional Expenses$0$0$0$4,597,531
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 and Deposits$93,869,179
Accrued Expenses$101,720
Taxes Payable$4,442
Other Liabilities$2,560
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has 8,245 members.”

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

“The credit union members elect all members of the board of directors.”

Form 990, Part VI, Section B, Line 11

“Form 990 is reviewed by the ceo, and the board of directors. The form is approved by the ceo.”

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

“Directors are required to sign an oath of office annually which incorporates a conflict of interest statement.”

Form 990, Part VI, Section B, Line 15

“Comensation committee of the board reviews and approves the ceo's compensation. Ceo sets officer salaries based on industry survey and peer comparison; board of directors approves ranges.”

Form 990, Part VI, Section C, Line 19

“The credit union makes its governing documents, conflict of interest policy and financial statements available to the public at their annual meeting.”

Filing and Contact Details

Filer

Filer Name
Community 1st Credit Union
EIN
91-0403380
Phone
2537225212
Address
PO BOX 870, DUPONT, WA 98327

Signing Officer

Name
Roger Gieseke
Title
President/CEO
Phone
2537225212
Signed
2016-10-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Roger Gieseke
Formed
1934
Legal Domicile
Wa
Voting Board Members
8
Independent Board Members
8
Employees
55
Volunteers
10

Preparer

Firm
Hauser Jones & Sas Pllc
Address
10940 NE 33RD PLACE SUITE 100, BELLEVUE, WA 98004
Preparer
Roger a Jones CPA
Phone
4258891778
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Prior year unrealized loss on investments 59,266.”

Raw XML AppendixShowing 400 of 482 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/TitleTxt1SUPERVISOR COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt2SUPERVISOR COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4SUPERVISOR COMMITTEE/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
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IRS990/MissionDesc0TO BUILD RELATIONSHIPS BY DELIVERING VALUED BANKING SOLUTIONS. OUR GOAL IS TO BE RESPONSIVE TO MEMBER FINANCIAL NEEDS, PROMOTE THRIFT, PROVIDE A FULL RANGE OF SERVICES, MAINTAIN FINANCIAL STABILITY, AND MANAGE GROWTH WHILE OFFERING REWARDING CAREERS TO OUR EMPLOYEES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt017327698
IRS990/NetAssetsOrFundBalancesEOYAmt017210958
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0101689
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0101689
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt038696
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt038696
IRS990/NetUnrelatedBusTxblIncmAmt0-23875
IRS990/NetUnrlzdGainsLossesInvstAmt05937
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0221552
IRS990/OfficeExpensesGrp/TotalAmt0359117
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt010155664
IRS990/OtherAssetsTotalGrp/EOYAmt08214728
IRS990/OtherChangesInNetAssetsAmt059266
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0245358
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING FEE
IRS990/OtherExpensesGrp/Desc1DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt0635379
IRS990/OtherExpensesGrp/TotalAmt1263339
IRS990/OtherExpensesGrp/TotalAmt2226600
IRS990/OtherExpensesGrp/TotalAmt334715
IRS990/OtherLiabilitiesGrp/BOYAmt094709336
IRS990/OtherLiabilitiesGrp/EOYAmt093977901
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1900099
IRS990/OtherRevenueMiscGrp/BusinessCd2900099
IRS990/OtherRevenueMiscGrp/Desc0FREDDIE MAC SERVICING
IRS990/OtherRevenueMiscGrp/Desc1MISC INCOME
IRS990/OtherRevenueMiscGrp/Desc2DEBT PROTECTION INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt024416
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt18400
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt024416
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt18400
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt27876
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt07876
IRS990/OtherRevenueTotalAmt057330
IRS990/OtherSalariesAndWagesGrp/TotalAmt01145925
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt068627292
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt065073764
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0131229
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0114424
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0912459
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0804211
IRS990/PrincipalOfficerNm0ROGER GIESEKE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522210
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/BusinessCd4525990
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc4NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02861601
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1807980
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2320843
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02861601
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1807980
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2320843
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt336650
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt435537
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt036650
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt135537
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0327739
IRS990/PYOtherExpensesAmt02643251
IRS990/PYOtherRevenueAmt0112574
IRS990/PYProgramServiceRevenueAmt04210136
IRS990/PYRevenuesLessExpensesAmt0162277
IRS990/PYSalariesCompEmpBnftPaidAmt01844921
IRS990/PYTotalExpensesAmt04488172
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04650449
IRS990/ReconcilationRevenueExpnssAmt0-181943
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt038696
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt017327698
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt017210958
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011800000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt019185000
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04602181
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0971450
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05573631
IRS990ScheduleD/EquipmentGrp/BookValueAmt0660515
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01736186
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02396701
IRS990ScheduleD/LandGrp/BookValueAmt01977653
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01977653
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0312455
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0108725
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0421180
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt05175906
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt11796400
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2870892
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3125786
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt485510
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt5160234
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ANNUITIES & LIFE INSURANCE CONTRACT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1OTHER RECEIVABLES
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2NCUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4MORTGAGE SERVICING ASSET RIGHTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5OTHER ASSETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt093869179
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1101720
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt24442
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32560
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2TAXES PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3OTHER LIABILITIES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07552804
IRS990ScheduleD/TotalBookValueOtherAssetsAmt08214728
IRS990ScheduleD/TotalLiabilityAmt093977901
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0241035
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1102816
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt018000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt117993
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt11343
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt021564
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt17711
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ROGER GIESEKE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1CYNTHIA L MCKRILL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRES/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1FORMER EXEC VICE PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0280599
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1129863
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0OFFICERS PARTICIPATE IN 457(B) AND 457(F) PLANS BUT DID NOT RECEIVE PAYMENTS DURING 2015.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS 8,245 MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION MEMBERS ELECT ALL MEMBERS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 IS REVIEWED BY THE CEO, AND THE BOARD OF DIRECTORS. THE FORM IS APPROVED BY THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DIRECTORS ARE REQUIRED TO SIGN AN OATH OF OFFICE ANNUALLY WHICH INCORPORATES A CONFLICT OF INTEREST STATEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMENSATION COMMITTEE OF THE BOARD REVIEWS AND APPROVES THE CEO'S COMPENSATION. CEO SETS OFFICER SALARIES BASED ON INDUSTRY SURVEY AND PEER COMPARISON; BOARD OF DIRECTORS APPROVES RANGES.

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$113,723,161
Liabilities
$96,512,203
Net assets
$17,210,958
Revenue
$4,415,588
Expenses
$4,597,531
Net income
-$181,943
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$7.82$7.82$0.00
2024Detailed filing. Detailed filing data is available for this year.$187$165$21.7$11.4$10.7$0.65
2023Detailed filing. Detailed filing data is available for this year.$205$184$21.1$11.9$11.0$0.92
2022Detailed filing. Detailed filing data is available for this year.$223$202$21.0$10.3$9.48$0.79
2021Detailed filing. Detailed filing data is available for this year.$215$195$20.2$8.98$7.92$1.06
2020Detailed filing. Detailed filing data is available for this year.$175$156$19.1$7.39$7.25$0.14
2019Detailed filing. Detailed filing data is available for this year.$141$122$19.0$7.24$6.21$1.03
2018Detailed filing. Detailed filing data is available for this year.$145$128$16.6$4.80$5.49$0.68
2017Detailed filing. Detailed filing data is available for this year.$110$93.4$16.9$4.39$4.85$0.45
2016Detailed filing. Detailed filing data is available for this year.$111$93.8$17.4$4.67$4.48$0.19
2015Detailed filing. Detailed filing data is available for this year.$114$96.5$17.2$4.42$4.60$0.18
2014Detailed filing. Detailed filing data is available for this year.$115$97.4$17.3$4.65$4.49$0.16
2013Detailed filing. Detailed filing data is available for this year.$114$97.6$16.3$4.84$4.64$0.21
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$114$96.6$17.0$5.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$117$101$16.5$4.97
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$121$105$16.5$5.77