Liabilities / Assets
29th percentile
Higher debt load relative to assets than 29% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.88x
Liabilities / Revenue
41st percentile
Higher debt load relative to revenue than 41% of similar nonprofits.
Net Margin
77th percentile
Higher net margin than 77% of similar nonprofits.
Top Officer Pay
11th percentile
Higher top officer pay than 11% of similar nonprofits.
Top officer pay equals 1.5% of source-year revenue.
Asset Growth
43rd percentile
Faster asset growth than 43% of similar nonprofits.
Revenue Growth
47th percentile
Faster revenue growth than 47% of similar nonprofits.
Balance Sheet
Assets
Up$312,301,152
Up $15,864,220 (+5.4%) from 2014
Net Assets
Up$38,315,696
Up $1,954,710 (+5.4%) from 2014
Liabilities
Up$273,985,456
Up $13,909,510 (+5.3%) from 2014
Revenue And Expenses
Revenue
Up$15,684,819
Up $766,893 (+5.1%) from 2014
Expenses
Up$12,649,340
Up $160,024 (+1.3%) from 2014
Net Income
Up$3,035,479
Up $606,869 (+25%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- Nov 15, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $15,695,245
Mission and Program Overview
Mission
Our community credit union is a member-owned financial cooperaive. Our mission is to sustain consistent growth and a strong financial position.-we will treat all members in a dignified, caring manner.-we will manage our members' business confidentially.-we will provide our members with choices in the services we offer.-we will build lasting relationships through consultation to aid us in helping meet our members' needs.
Our mission is to sustain consistent growth and a strong financial position.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments in Publicly Traded Securities | $144,724,305 | $157,570,009 | ▲ $12,845,704 |
| Other Notes and Loans Receivable, Net | $129,084,068 | $134,904,523 | ▲ $5,820,455 |
| Rtn Earn Endowment Incm Other Fnds | $36,360,986 | $38,315,696 | ▲ $1,954,710 |
| Land, Buildings, and Equipment, Net | $7,399,020 | $7,291,155 | ▼ $107,865 |
| Cash and Non-Interest-Bearing Accounts | $4,873,037 | $3,292,700 | ▼ $1,580,337 |
| Investments Program Related | $2,434,931 | $2,527,414 | ▲ $92,483 |
| Savings and Temporary Cash Investments | $2,227,583 | $903,538 | ▼ $1,324,045 |
| Accounts Receivable | $36,115 | $34,985 | ▼ $1,130 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $296,436,932 | $312,301,152 | ▲ $15,864,220 |
| Other Assets Total | $5,657,873 | $5,776,828 | ▲ $118,955 |
| Liabilities | |||
| Other Liabilities | $252,887,847 | $266,543,346 | ▲ $13,655,499 |
| Mortgage Notes Payable Secured by Investment Property | $5,000,000 | $5,000,000 | → $0 |
| Accounts Payable and Accrued Expenses | $2,188,099 | $2,442,110 | ▲ $254,011 |
| Total Liabilities | $260,075,946 | $273,985,456 | ▲ $13,909,510 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $36,360,986 | $38,315,696 | ▲ $1,954,710 |
| Total Liabilities and Net Assets / Fund Balance | $296,436,932 | $312,301,152 | ▲ $15,864,220 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $4,953,647 | $1,559,218 | $6,512,865 |
| Equipment | $573,741 | $2,675,276 | $3,249,017 |
| Land | $1,749,975 | - | $1,749,975 |
| Leasehold Improvements | $13,792 | $58,139 | $71,931 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Bert Fisher | President/CEO | FT | $171,378 | $61,293 | $232,671 |
| Kari Waylett | VP Operations | FT | $92,830 | $18,358 | $111,188 |
| Ryan Drake | CFO | FT | $95,363 | $14,440 | $109,803 |
| Sharon Wiles | Consumer Lending Mgr | FT | $88,047 | $13,622 | $101,669 |
| Daris Devaney | VP Marketing & Sales | FT | $81,951 | $16,397 | $98,348 |
| Lori Howland | VP Information Svcs | FT | $66,827 | $18,017 | $84,844 |
Board Members and Trustees
| Name | Title |
|---|---|
| John Mcgee | Board Chair |
| Amy Thomason | Board Member |
| Barbara Oliver | Board Member |
| Curtis Stracke | Board Member |
| Paul Wing | Board Member |
| Sadie Hawkins | Board Member |
| A Roy Dunn Jr | Treasurer |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Dh | Website Processing/check Images | PO BOX 535120, Atlanta, GA 30353-5120 | $319,704 |
| Business Data INC | Statement Processing | 321 N OAK STREET, Inglewood, CA 90302 | $131,867 |
| Equifax Information Svc | Credit Reports | PO BOX 105835, Atlanta, GA 30348-5835 | $107,653 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $11,066,716
- Investment Income
- $4,597,846
- Other Revenue
- $20,257
- Change in Net Assets
- $3,035,479
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $15,684,819
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Total Revenue per Audited Statements
- $15,684,819
- Total Revenue per Form 990
- $15,684,819
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $6,843,853 |
| Salaries, Compensation, and Employee Benefits | $5,805,487 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $3,682,016 |
| Other Employee Benefits | - | - | - | $831,294 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $628,215 |
| Office Expenses | - | - | - | $563,525 |
| Depreciation Depletion | - | - | - | $463,111 |
| Occupancy | - | - | - | $426,160 |
| Other Expenses | - | - | - | $411,510 |
| All Other Expenses | - | - | - | $385,121 |
| Advertising | - | - | - | $381,157 |
| Payroll Taxes | - | - | - | $353,043 |
| Pension Plan Contributions | - | - | - | $310,919 |
| Information Technology | - | - | - | $222,294 |
| Fees for Services Other | - | - | - | $180,469 |
| Conferences and Meetings | - | - | - | $150,937 |
| Insurance | - | - | - | $144,657 |
| Fees for Services Accounting | - | - | - | $109,899 |
| Travel | - | - | - | $95,089 |
| Interest | - | - | - | $65,474 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $42,396 |
| Fees for Services Legal | - | - | - | $2,303 |
| Total Functional Expenses | $0 | $0 | $0 | $12,649,340 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $12,649,340 |
| Total Expenses per Audited Statements | $12,649,340 |
| Total Expenses per Form 990 | $12,649,340 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Share Accounts | $266,543,346 |
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
- 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
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“The credit union has 27,020 members.”
Form 990, Part VI, Section A, Line 7A
“Members vote annually to elect the board of directors.”
Form 990, Part VI, Section A, Line 7B
“The members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”
Form 990, Part VI, Section B, Line 11
“After form 990 is prepared by a cpa firm, the chief financial officer and board of directors review the form for accuracy and approves its submittal.”
Form 990, Part VI, Section B, Line 12C
“Management provides a conflict of interest questionnaire and personal disclosure statement to all employees and volunteers of our community credit union. The conflict of interest policy is required to be reviewed and signed or acknowledged upon hire for new employees. Acknowledgements received from individuals who disclose a potential conflict are forwardedto the ceo or cfo for review and approval.”
Form 990, Part VI, Section B, Line 15
“The credit union utilizes multiple regional, national, and industry salary surveys to review and/or set salary levels. The human resources department has the responsibility for administering the credit union's compensation program, working with appropriate senior management to ensure that our compensation schedule is keeping with the policy of the credit union through a balance of market competitiveness and internal equity.”
Form 990, Part VI, Section C, Line 19
“Governing documents are made available to the public upon request.”
Filing and Contact Details
Filer
- Filer Name
- Our Community Credit Union
- EIN
- 91-0567189
- Phone
- 8004265657
- Address
- PO BOX 1670, SHELTON, WA 98584
Signing Officer
- Name
- Ryan Drake
- Title
- CFO
- Phone
- 8004265657
- Signed
- 2016-11-15
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Ryan Drake
- Formed
- 1954
- Legal Domicile
- Wa
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 102
- Volunteers
- 8
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 III, Line 1
“Our community credit union is a member-owned financial cooperative. Our mission is to sustain consistent growth and a strong financial position. - we will treat all members in a dignified, caring manner, - we will manage our members' business confidentially, - we will provide our members with choices in the services we offer, - we will build lasting relationships through consultation to aid us in helping meet our members' needs.”
FORM 990, PART XII, LINE 2C:
“The organization has not changed either its oversight process or selection process during the tax year.”
Raw XML AppendixShowing 400 of 476 raw XML fields
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| IRS990/Desc | 0 | OUR COMMUNITY CREDIT UNION PROVIDES FINANCIAL SERVICES INCLUDING DEPOSITS AND CONSUMER LENDING TO RESIDENTS OF WASHINGTON STATE AT LOCATIONS IN THE SOUTH SOUND AREA. |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | CONSUMER LENDING MGR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | VP OPERATIONS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | VP MARKETING & SALES |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | VP INFORMATION SVCS |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1954 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -10426 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 15695245 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 4200 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 222294 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 144657 |
| IRS990/InterestGrp/TotalAmt | 0 | 65474 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 4608272 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 4608272 |
| IRS990/InvestmentInJointVentureInd | 0 | 1 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 2434931 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 2527414 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 144724305 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 157570009 |
| IRS990/IRPDocumentCnt | 0 | 4230 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 4292633 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 7399020 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 7291155 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 11583788 |
| IRS990/LegalDomicileStateCd | 0 | WA |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 10426 |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 0 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | SEE SCHEDULE O |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 5000000 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 5000000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 36360986 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 38315696 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -10426 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -10426 |
| IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4200 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 4200 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -218628 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -1080769 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 426160 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 563525 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 5657873 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 5776828 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 831294 |
| IRS990/OtherExpensesGrp/Desc | 0 | DEBIT/CREDIT & ATM FEES |
| IRS990/OtherExpensesGrp/Desc | 1 | DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 3 | LOAN LOSS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1129270 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 1115606 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 954875 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 411510 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 252887847 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 266543346 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | MISC OPERATING INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 16057 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 16057 |
| IRS990/OtherRevenueTotalAmt | 0 | 16057 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 3682016 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 129084068 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 134904523 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 353043 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 310919 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | RYAN DRAKE |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522210 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER NON-INTEREST INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | UNRELATED FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 7427354 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2726388 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 761828 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 7427354 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2726388 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 761828 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 151146 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 151146 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 3795719 |
| IRS990/PYOtherExpensesAmt | 0 | 7231511 |
| IRS990/PYOtherRevenueAmt | 0 | 93015 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 11029192 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 2428610 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 5257805 |
| IRS990/PYTotalExpensesAmt | 0 | 12489316 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 14917926 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 3035479 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 4200 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 36360986 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 38315696 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 2227583 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 903538 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 4953647 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1559218 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 6512865 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 573741 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 2675276 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 3249017 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 12649340 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1749975 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1749975 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 13792 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 58139 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 71931 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 266543346 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARE ACCOUNTS |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 15684819 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 7291155 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 12649340 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 266543346 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 15684819 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 15684819 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 12649340 |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/DiscretionarySpendingAcctInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 171378 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 18788 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 10687 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 31818 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | BERT FISHER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT/CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 232671 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SubstantiationRequiredInd | 0 | 1 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | SCHEDULE J, PART I, QUESTION 3 THE CREDIT UNION UTILIZES MULTIPLE REGIONAL, NATIONAL, AND INDUSTRY SALARY SURVEYS TO REVIEW AND/OR SET SALARY LEVELS. THE HUMAN RESOURCES DEPARTMENT HAS THE RESPONSIBILITY FOR ADMINISTERING THE CREDIT UNION'S COMPENSATION PROGRAM, WORKING WITH APPROPRIATE SENIOR MANAGEMENT TO ENSURE THAT OUR COMPENSATION SCHEDULE IS KEEPING WITH THE POLICY OF THE CREDIT UNION THROUGH A BALANCE OF MARKET COMPETITIVENESS AND INTERNAL EQUITY. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART III - OTHER ADDITIONAL INFORMATION |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 1 |
| IRS990ScheduleJ/TravelForCompanionsInd | 0 | X |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd | 0 | 1 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | OUR COMMUNITY CREDIT UNION IS A MEMBER-OWNED FINANCIAL COOPERATIVE. OUR MISSION IS TO SUSTAIN CONSISTENT GROWTH AND A STRONG FINANCIAL POSITION. - WE WILL TREAT ALL MEMBERS IN A DIGNIFIED, CARING MANNER, - WE WILL MANAGE OUR MEMBERS' BUSINESS CONFIDENTIALLY, - WE WILL PROVIDE OUR MEMBERS WITH CHOICES IN THE SERVICES WE OFFER, - WE WILL BUILD LASTING RELATIONSHIPS THROUGH CONSULTATION TO AID US IN HELPING MEET OUR MEMBERS' NEEDS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION HAS 27,020 MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | MEMBERS VOTE ANNUALLY TO ELECT THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | AFTER FORM 990 IS PREPARED BY A CPA FIRM, THE CHIEF FINANCIAL OFFICER AND BOARD OF DIRECTORS REVIEW THE FORM FOR ACCURACY AND APPROVES ITS SUBMITTAL. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | MANAGEMENT PROVIDES A CONFLICT OF INTEREST QUESTIONNAIRE AND PERSONAL DISCLOSURE STATEMENT TO ALL EMPLOYEES AND VOLUNTEERS OF OUR COMMUNITY CREDIT UNION. THE CONFLICT OF INTEREST POLICY IS REQUIRED TO BE REVIEWED AND SIGNED OR ACKNOWLEDGED UPON HIRE FOR NEW EMPLOYEES. ACKNOWLEDGEMENTS RECEIVED FROM INDIVIDUALS WHO DISCLOSE A POTENTIAL CONFLICT ARE FORWARDEDTO THE CEO OR CFO FOR REVIEW AND APPROVAL. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE CREDIT UNION UTILIZES MULTIPLE REGIONAL, NATIONAL, AND INDUSTRY SALARY SURVEYS TO REVIEW AND/OR SET SALARY LEVELS. THE HUMAN RESOURCES DEPARTMENT HAS THE RESPONSIBILITY FOR ADMINISTERING THE CREDIT UNION'S COMPENSATION PROGRAM, WORKING WITH APPROPRIATE SENIOR MANAGEMENT TO ENSURE THAT OUR COMPENSATION SCHEDULE IS KEEPING WITH THE POLICY OF THE CREDIT UNION THROUGH A BALANCE OF MARKET COMPETITIVENESS AND INTERNAL EQUITY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | GOVERNING DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART III, LINE 1 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION B, LINE 15 |
Document Assets
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Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $312,301,152
- Liabilities
- $273,985,456
- Net assets
- $38,315,696
- Revenue
- $15,684,819
- Expenses
- $12,649,340
- Net income
- $3,035,479