Civic Intelligence

Credit Unions in the State of Washington

990 • Fiscal year 2016 • EIN 91-0403380

Jan 01, 2016 to Dec 31, 2016 • Filed on Aug 03, 2017

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

0.84x

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

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

66th percentile

20.07x

Higher debt load relative to revenue than 66% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

19th percentile

4.2%

Higher net margin than 19% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

85th percentile

$303,769

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 6.5% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

4th percentile

-2.2%

Faster asset growth than 4% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

53rd percentile

5.9%

Faster revenue growth than 53% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets14th percentile

Assets

Down

$111,175,818

Down $2,547,343 (-2.2%) from 2015

Net Assets

Up

$17,369,654

Up $158,696 (+0.9%) from 2015

Liabilities

Down

$93,806,164

Down $2,706,039 (-2.8%) from 2015

Revenue And Expenses
Liabilities / Revenue66th percentileNet Margin19th percentile

Revenue

Up

$4,674,016

Up $258,428 (+5.9%) from 2015

Expenses

Down

$4,479,070

Down $118,461 (-2.6%) from 2015

Net Income

Up

$194,946

Up $376,889 (+207%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth4th 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

2016

Assets$111,175,818
Liabilities$93,806,164
Net Assets$17,369,654
Open 2016 Filing

Operations Trend

Revenue Growth53rd 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

2016

Revenue$4,674,016
Expenses$4,479,070
Net Income$194,946
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Aug 3, 2017
Return Version
2016v3.0
Gross Receipts
$4,674,016
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.

Building relationships by delivering valued banking solutions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$65,073,764$72,718,351▲ $7,644,587
Rtn Earn Endowment Incm Other Fnds$17,210,958$17,369,654▲ $158,696
Investments in Publicly Traded Securities$12,261,881$13,343,539▲ $1,081,658
Savings and Temporary Cash Investments$19,185,000$8,980,000▼ $10,205,000
Land, Buildings, and Equipment, Net$7,552,804$7,218,637▼ $334,167
Cash and Non-Interest-Bearing Accounts$628,773$1,324,945▲ $696,172
Prepaid Expenses and Deferred Charges$804,211$863,458▲ $59,247
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$113,723,161$111,175,818▼ $2,547,343
Other Assets Total$8,214,728$6,724,888▼ $1,489,840
Liabilities
Other Liabilities$93,977,901$91,092,174▼ $2,885,727
Accounts Payable and Accrued Expenses$2,534,302$2,713,990▲ $179,688
Total Liabilities$96,512,203$93,806,164▼ $2,706,039
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,210,958$17,369,654▲ $158,696
Total Liabilities and Net Assets / Fund Balance$113,723,161$111,175,818▼ $2,547,343

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,482,657$1,090,973$5,573,630
Equipment$475,874$1,681,473$2,157,347
Land$1,977,653-$1,977,653
Leasehold Improvements$282,453$138,727$421,180
Other Assets Org$205,000--
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Roger GiesekePres/CEOFT$243,035$60,734$303,769
Lisa ZvirzdysVP Sales/marketingFT$91,984$34,257$126,241
Daniel EdgertonVP of LendingFT$71,288$14,520$85,808
Darcy Vander VoetVP of OperationsFT$64,351$13,826$78,177

Board Members and Trustees

NameTitle
Frank WordenBoard Chair
Steve BatesVice Chair
Larry WilliamsBoard Secretary
Elaine TierneyDirector
Jan ParentDirector
Ken TitusDirector
Teresa WilliamsDirector
Anne KushSupervisor Committee
Brian LindgrenSupervisor Committee
James ReidSupervisor Committee/direc

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv INCDatasafe Account ProcessingPO BOX 99924, Grapevine, TX 76099-9724$184,960
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,236,230
Investment Income
$351,772
Other Revenue
$86,014
Change in Net Assets
$194,946
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,553,769
Salaries, Compensation, and Employee Benefits$1,925,301
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$989,928
Current Officers, Directors, Trustees, and Key Employees---$470,658
Office Expenses---$371,825
Depreciation Depletion---$332,363
Information Technology---$300,951
Other Employee Benefits---$244,963
Occupancy---$195,969
Payroll Taxes---$119,578
Pension Plan Contributions---$100,174
Insurance---$63,892
Other Expenses---$51,240
All Other Expenses---$38,706
Fees for Services Accounting---$26,674
Advertising---$25,805
Travel---$14,932
Conferences and Meetings---$2,984
Total Functional Expenses$0$0$0$4,479,070
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$91,064,227
Accrued Expenses$12,457
Other Liabilities$10,343
Taxes Payable$5,147
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
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 8,525 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 11B

“Form 990 is reviewed by the ceo, director of finance 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

“Compensation 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
2017-08-03
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
53
Volunteers
9

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 -36,250.”

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/TitleTxt5DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
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IRS990/LandBldgEquipCostOrOtherBssAmt010129810
IRS990/LegalDomicileStateCd0WA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt09731
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt09731
IRS990/MissionDesc0BUILDING 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/NetAssetsOrFundBalancesBOYAmt017210958
IRS990/NetAssetsOrFundBalancesEOYAmt017369654
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0121671
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0121671
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt039192
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt039192
IRS990/NetUnrelatedBusTxblIncmAmt0-29860
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0195969
IRS990/OfficeExpensesGrp/TotalAmt0371825
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08214728
IRS990/OtherAssetsTotalGrp/EOYAmt06724888
IRS990/OtherChangesInNetAssetsAmt0-36250
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0244963
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING FEE
IRS990/OtherExpensesGrp/Desc1DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt0718642
IRS990/OtherExpensesGrp/TotalAmt1220011
IRS990/OtherExpensesGrp/TotalAmt2189775
IRS990/OtherExpensesGrp/TotalAmt351240
IRS990/OtherLiabilitiesGrp/BOYAmt093977901
IRS990/OtherLiabilitiesGrp/EOYAmt091092174
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1900099
IRS990/OtherRevenueMiscGrp/BusinessCd2900099
IRS990/OtherRevenueMiscGrp/Desc0MISC INCOME
IRS990/OtherRevenueMiscGrp/Desc1DEBT PROTECTION INCOME
IRS990/OtherRevenueMiscGrp/Desc2SAFE DEPOSIT BOX
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt021830
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt16055
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt021830
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt19206
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt26055
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt09206
IRS990/OtherRevenueTotalAmt046822
IRS990/OtherSalariesAndWagesGrp/TotalAmt0989928
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt065073764
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt072718351
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0119578
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0100174
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0804211
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0863458
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/RelatedOrExemptFuncIncomeAmt02963704
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1785382
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2383786
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02963704
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1785382
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2383786
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt343493
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt432594
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt043493
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt132594
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0256951
IRS990/PYOtherExpensesAmt02608269
IRS990/PYOtherRevenueAmt096026
IRS990/PYProgramServiceRevenueAmt04062611
IRS990/PYRevenuesLessExpensesAmt0-181943
IRS990/PYSalariesCompEmpBnftPaidAmt01989262
IRS990/PYTotalExpensesAmt04597531
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04415588
IRS990/ReconcilationRevenueExpnssAmt0194946
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt039192
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt017210958
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt017369654
IRS990/SavingsAndTempCashInvstGrp/BOYAmt019185000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08980000
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04482657
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01090973
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05573630
IRS990ScheduleD/EquipmentGrp/BookValueAmt0475874
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01681473
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02157347
IRS990ScheduleD/LandGrp/BookValueAmt01977653
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01977653
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0282453
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0138727
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0421180
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt05355168
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt121677
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2891959
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3159376
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt491708
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt5205000
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/Amt091064227
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt112457
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt25147
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt310343
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2TAXES PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3OTHER LIABILITIES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07218637
IRS990ScheduleD/TotalBookValueOtherAssetsAmt06724888
IRS990ScheduleD/TotalLiabilityAmt091092174
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0243035
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt045030
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt015704
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ROGER GIESEKE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRES/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0303769
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0OFFICERS PARTICIPATE IN 457(B) AND 457(F) PLANS BUT DID NOT RECEIVE PAYMENTS DURING 2016.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS 8,525 MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION MEMBERS ELECT ALL MEMBERS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 IS REVIEWED BY THE CEO, DIRECTOR OF FINANCE 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/ExplanationTxt4COMPENSATION 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC AT THEIR ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6PRIOR YEAR UNREALIZED LOSS ON INVESTMENTS -36,250.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$111,175,818
Liabilities
$93,806,164
Net assets
$17,369,654
Revenue
$4,674,016
Expenses
$4,479,070
Net income
$194,946
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