Civic Intelligence

Gesa Credit Union

990 • Fiscal year 2016 • EIN 91-0616262

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 13, 2017

Organization Profilewww.gesa.com

View Organization Page

51 Gage BlvdRichland, WA 99352

(509) 378-3100

Siviq Scores

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

Liabilities / Assets

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

38th percentile

18.74x

Higher debt load relative to revenue than 38% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

33rd percentile

14%

Higher net margin than 33% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

63rd percentile

$997,318

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

81st percentile

12%

Faster asset growth than 81% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

69th percentile

12%

Faster revenue growth than 69% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$1,792,030,286

Up $197,695,454 (+12%) from 2015

Net Assets

Up

$158,918,500

Up $11,405,736 (+7.7%) from 2015

Liabilities

Up

$1,633,111,786

Up $186,289,718 (+13%) from 2015

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin33rd percentile

Revenue

Up

$87,133,617

Up $9,596,007 (+12%) from 2015

Expenses

Up

$74,633,419

Up $11,805,997 (+19%) from 2015

Net Income

Down

$12,500,198

Down $2,209,990 (-15%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth81st percentile

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

$6.0B$4.0B$2.0B$0Assets 2010: $1,017,020,152Liabilities 2010: $933,047,325Net Assets 2010: $83,972,8272010Assets 2011: $1,125,090,259Liabilities 2011: $1,030,885,962Net Assets 2011: $94,204,2972011Assets 2012: $1,222,012,115Liabilities 2012: $1,112,716,073Net Assets 2012: $109,296,0422012Assets 2013: $1,297,360,006Liabilities 2013: $1,177,743,169Net Assets 2013: $119,616,8372013Assets 2014: $1,412,134,983Liabilities 2014: $1,279,272,565Net Assets 2014: $132,862,4182014Assets 2015: $1,594,334,832Liabilities 2015: $1,446,822,068Net Assets 2015: $147,512,7642015Assets 2016: $1,792,030,286Liabilities 2016: $1,633,111,786Net Assets 2016: $158,918,5002016Assets 2017: $1,902,374,640Liabilities 2017: $1,729,261,600Net Assets 2017: $173,113,0402017Assets 2018: $2,059,209,952Liabilities 2018: $1,868,645,401Net Assets 2018: $190,564,5512018Assets 2019: $3,684,580,440Liabilities 2019: $3,281,822,225Net Assets 2019: $402,758,2152019Assets 2020: $4,378,026,879Liabilities 2020: $3,933,191,281Net Assets 2020: $444,835,5982020Assets 2021: $4,984,415,562Liabilities 2021: $4,494,214,267Net Assets 2021: $490,201,2952021Assets 2022: $5,594,015,267Liabilities 2022: $5,104,249,815Net Assets 2022: $489,765,4522022Assets 2023: $5,461,068,630Liabilities 2023: $4,942,354,466Net Assets 2023: $518,714,1642023Assets 2024: $5,629,623,348Liabilities 2024: $5,070,970,185Net Assets 2024: $558,653,1632024

Highlighted filing

2016

Assets$1,792,030,286
Liabilities$1,633,111,786
Net Assets$158,918,500
Open 2016 Filing

Operations Trend

Revenue Growth69th percentile

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

$400M$300M$200M$100M$0Expenses 2010: $49,872,6972010Expenses 2011: $48,416,0712011Expenses 2012: $50,229,5072012Revenue 2013: $66,515,304Expenses 2013: $56,432,350Net Income 2013: $10,082,9542013Revenue 2014: $69,351,267Expenses 2014: $57,032,528Net Income 2014: $12,318,7392014Revenue 2015: $77,537,610Expenses 2015: $62,827,422Net Income 2015: $14,710,1882015Revenue 2016: $87,133,617Expenses 2016: $74,633,419Net Income 2016: $12,500,1982016Revenue 2017: $96,071,518Expenses 2017: $82,453,067Net Income 2017: $13,618,4512017Revenue 2018: $108,864,841Expenses 2018: $90,935,272Net Income 2018: $17,929,5692018Revenue 2019: $158,261,787Expenses 2019: $129,551,454Net Income 2019: $28,710,3332019Revenue 2020: $215,777,821Expenses 2020: $174,485,285Net Income 2020: $41,292,5362020Revenue 2021: $209,714,546Expenses 2021: $161,009,818Net Income 2021: $48,704,7282021Revenue 2022: $219,180,132Expenses 2022: $189,685,535Net Income 2022: $29,494,5972022Revenue 2023: $290,386,834Expenses 2023: $240,128,234Net Income 2023: $50,258,6002023Revenue 2024: $331,681,189Expenses 2024: $296,787,273Net Income 2024: $34,893,9162024

Highlighted filing

2016

Revenue$87,133,617
Expenses$74,633,419
Net Income$12,500,198
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 13, 2017
Return Version
2016v3.0
Gross Receipts
$88,265,364
Mission and Program Overview

Mission

Members have access to a broad range of financial products and services that enable them to prosper at a cost justified by the result.

Provide financial services to 145,421 members. These services include, but are not limited to, providing auto and other secured/unsecured consumer loans, checking and savings programs, and credit card services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,286,478,482$1,481,414,809▲ $194,936,327
Rtn Earn Endowment Incm Other Fnds$147,512,764$158,918,500▲ $11,405,736
Cash and Non-Interest-Bearing Accounts$83,101,978$80,246,108▼ $2,855,870
Land, Buildings, and Equipment, Net$69,579,710$72,637,207▲ $3,057,497
Savings and Temporary Cash Investments$56,315,659$62,221,479▲ $5,905,820
Investments Other Securities$49,929,051$43,071,471▼ $6,857,580
Prepaid Expenses and Deferred Charges$17,603,394$17,660,556▲ $57,162
Accounts Receivable$2,452,025$2,906,643▲ $454,618
Investments Program Related$376,616$375,010▼ $1,606
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,594,334,832$1,792,030,286▲ $197,695,454
Other Assets Total$28,497,917$31,497,003▲ $2,999,086
Liabilities
Other Liabilities$1,387,024,644$1,541,005,270▲ $153,980,626
Accounts Payable and Accrued Expenses$57,271,248$89,621,599▲ $32,350,351
Escrow Account Liability$1,180,479$1,261,602▲ $81,123
Deferred Revenue$1,345,697$1,223,315▼ $122,382
Total Liabilities$1,446,822,068$1,633,111,786▲ $186,289,718
Net Assets / Fund Balance
Total Net Assets Fund Balance$147,512,764$158,918,500▲ $11,405,736
Total Liabilities and Net Assets / Fund Balance$1,594,334,832$1,792,030,286▲ $197,695,454

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$43,947,495$9,458,681$53,406,176
Equipment$14,935,546$20,400,450$35,335,996
Land$12,604,154-$12,604,154
Other Land Buildings$1,076,607-$1,076,607
Leasehold Improvements$73,405$228,959$302,364
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Don C MillerPresident/CEOFT$403,943$593,375$997,318
Rajesh BandaruChief Information OfficerFT$245,769$162,559$408,328
Danette WarrenMortgage Sales ManagerFT$61,800$246,936$308,736
Richard WaddleSVP of Finance/MarketingFT$178,077$126,546$304,623
Benjamin RutledgeVP Commercial ServicesFT$159,446$78,818$238,264
Brett JorgensonChief Lending OfficerFT$200,904$33,013$233,917
Randy WackerVP of Mortgage LendingFT$134,000$96,662$230,662
Mel CallowayVP Retail Sales & ServiceFT$161,923$62,418$224,341
Eileen GriffinSVP Wealth Management & HRFT$157,229$65,741$222,970
Peter SmithDirectorPT$1,611-$1,611
William MelbergVice Chairman of the BoardPT$1,489-$1,489
Manuel ChavalloDirectorPT$1,282-$1,282
Iris AndersonDirectorPT$1,186-$1,186
Paul KorstadDirectorPT$647-$647

Board Members and Trustees

NameTitle
Robert FollettChairman of the Board
Gregg AndrewsDirector
William Roberts JrDirector
Martin Valadez TorresSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservData Processing Provider75 Remittance Dr Suite 6942, Chicago, IL 60675$2,210,143
Tri Ply Construction LLCBuilding ConstructionPO Box 2872, Yakima, WA 98907$1,767,581
StructuredData Center Infrastructure12091 SE 97th Ave Suite 400, Clakamas, OR 97015$823,866
C&E TrenchingBuilding ConstructionPO Box 3788, Pasco, WA 99302$581,357
Charter CommunicationsCommunication ServicesPO Box 60188, Los Angeles, CA 90060$477,712
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$85,038,601
Investment Income
$1,953,558
Other Revenue
$141,458
Change in Net Assets
$12,500,198
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$45,161,628
Salaries, Compensation, and Employee Benefits$29,424,857
Grants and Similar Amounts Paid$46,934
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$21,565,830
Interest---$8,776,208
Office Expenses---$7,626,047
Depreciation Depletion---$6,836,623
Fees for Services Other---$2,773,782
Other Employee Benefits---$2,624,952
Advertising---$2,544,697
Current Officers, Directors, Trustees, and Key Employees---$2,150,923
Payroll Taxes---$1,913,878
Occupancy---$1,827,590
Pension Plan Contributions---$1,169,274
Travel---$1,001,002
Other Expenses---$567,795
All Other Expenses---$378,473
Insurance---$262,694
Fees for Services Legal---$174,781
Fees for Services Accounting---$70,669
Grants to Domestic Individuals---$41,934
Grants to Domestic Orgs---$5,000
Conferences and Meetings---$3,237
Total Functional Expenses$0$0$0$74,633,419
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 Deposits and Accounts$1,541,005,270
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
No
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 is composed of one class of members.”

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

“The Credit Union members elect members of the Board of Directors.”

Form 990, Part VI, Section B, line 11B

“The senior accounting specialist and the svp of finance & marketing review the credit union's form 990 and then present to the board of directors.”

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

“The Credit Union regularly and consistently monitors and enforces compliance with the conflict of interest policy. Each employee has the responsibility for demonstrating their compliance with this policy, and all potential employees will review and sign this policy before consideration for employment. The conflict of interest policy is monitored during Board meetings. Board conflict declaration and policy adherence is documented in the Board Meeting Minutes.”

Form 990, Part VI, Section B, line 15A

“The Credit Union's procedures for determining compensation of the CEO include compensation surveys and approval by the Board.”

Form 990, Part VI, Section C, line 18

“Forms 1024, 990 and 990-T are available upon request.”

Form 990, Part VI, Section C, line 19

“Governing documents, conflict of interest policy and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Gesa Credit Union
EIN
91-0616262
Phone
5093783100
Address
51 Gage Blvd, Richland, WA 99352

Signing Officer

Name
Richard Waddle
Title
SVP of Finance & Marketing
Phone
5093783100
Signed
2017-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Don C Miller
Formed
1953
Legal Domicile
Wa
Voting Board Members
9
Independent Board Members
9
Employees
571
Volunteers
16

Preparer

Firm
Moss Adams LLP
Address
601 W Riverside Avenue Ste 1800, Spokane, WA 99201
Preparer
Emina O Cresswell CPA
Phone
5097472600
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Change in Other Comprehensive Income -1,156,921.”

Financial Statement Notes

Part IV, Line 2B:

“Gesa maintains first mortgage escrows in a liability account on the balance sheet and makes necessary payments from this account.”

Raw XML AppendixShowing 400 of 669 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/ActivityOrMissionDesc0PROVIDE FINANCIAL SERVICES TO 145,421 MEMBERS. THESE SERVICES INCLUDE, BUT ARE NOT LIMITED TO, PROVIDING AUTO AND OTHER SECURED/UNSECURED CONSUMER LOANS, CHECKING AND SAVINGS PROGRAMS, AND CREDIT CARD SERVICES.
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IRS990/Desc0Offer comprehensive range and competitively priced loan products to members. Gesa offers a wide range of loan products including, but not limited to, autos, RVs, marine equipment, first mortgage, home equity, credit card, commercial and various secured and unsecured loans.
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IRS990/Form990PartVIISectionAGrp/PersonNm4Gregg Andrews
IRS990/Form990PartVIISectionAGrp/PersonNm5Iris Anderson
IRS990/Form990PartVIISectionAGrp/PersonNm6Martin Valadez Torres
IRS990/Form990PartVIISectionAGrp/PersonNm7William Melberg
IRS990/Form990PartVIISectionAGrp/PersonNm8Robert Follett
IRS990/Form990PartVIISectionAGrp/PersonNm9Don C Miller
IRS990/Form990PartVIISectionAGrp/PersonNm10Brett Jorgenson
IRS990/Form990PartVIISectionAGrp/PersonNm11Rajesh Bandaru
IRS990/Form990PartVIISectionAGrp/PersonNm12Richard Waddle
IRS990/Form990PartVIISectionAGrp/PersonNm13Danette Warren
IRS990/Form990PartVIISectionAGrp/PersonNm14Randy Wacker
IRS990/Form990PartVIISectionAGrp/PersonNm15Mel Calloway
IRS990/Form990PartVIISectionAGrp/PersonNm16Benjamin Rutledge
IRS990/Form990PartVIISectionAGrp/PersonNm17EILEEN GRIFFIN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt01282
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1647
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21611
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt51186
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt71489
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9521315
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10211884
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11293744
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12214767
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13274166
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14210465
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15193502
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16192191
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17192076
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
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt7Vice Chairman of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt8Chairman of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt9President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10Chief Lending Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt11Chief Information Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP of Finance/Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt13Mortgage Sales Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP of Mortgage Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP Retail Sales & Service
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP Commercial Services
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP Wealth Management & HR
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt017388
IRS990/GainOrLossGrp/SecuritiesAmt0-64318
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt041934
IRS990/GrantsToDomesticOrgsGrp/TotalAmt05000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt020517
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt01000000
IRS990/GrossReceiptsAmt088265364
IRS990/GrossRentsGrp/RealAmt0205758
IRS990/GroupExemptionNum01269
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt033
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/TotalAmt0262694
IRS990/InterestGrp/TotalAmt08776208
IRS990/InvestmentIncomeGrp/ExclusionAmt02000488
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02000488
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt049929051
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt043071471
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0376616
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0375010
IRS990/IRPDocumentCnt031638
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt030088090
IRS990/LandBldgEquipBasisNetGrp/BOYAmt069579710
IRS990/LandBldgEquipBasisNetGrp/EOYAmt072637207
IRS990/LandBldgEquipCostOrOtherBssAmt0102725297
IRS990/LegalDomicileStateCd0WA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt03129
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01064318
IRS990/LessRentalExpensesGrp/RealAmt064300
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Members have access to a broad range of financial products and services that enable them to prosper at a cost justified by the result.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0147512764
IRS990/NetAssetsOrFundBalancesEOYAmt0158918500
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-46930
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-46930
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0141458
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0141458
IRS990/NetUnrelatedBusTxblIncmAmt0209329
IRS990/NetUnrlzdGainsLossesInvstAmt062459
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01827590
IRS990/OfficeExpensesGrp/TotalAmt07626047
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt028497917
IRS990/OtherAssetsTotalGrp/EOYAmt031497003
IRS990/OtherChangesInNetAssetsAmt0-1156921
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02624952
IRS990/OtherExpensesGrp/Desc0UBI Taxes
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2Credit/Collection Costs
IRS990/OtherExpensesGrp/Desc3Fraud Expense
IRS990/OtherExpensesGrp/TotalAmt088637
IRS990/OtherExpensesGrp/TotalAmt19615257
IRS990/OtherExpensesGrp/TotalAmt22614136
IRS990/OtherExpensesGrp/TotalAmt3567795
IRS990/OtherLiabilitiesGrp/BOYAmt01387024644
IRS990/OtherLiabilitiesGrp/EOYAmt01541005270
IRS990/OtherSalariesAndWagesGrp/TotalAmt021565830
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01286478482
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01481414809
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01913878
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01169274
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt017603394
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt017660556
IRS990/PrincipalOfficerNm0DON C MILLER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1Fees & Charges Income
IRS990/ProgramServiceRevenueGrp/Desc2Visa/Debit Card Income
IRS990/ProgramServiceRevenueGrp/Desc3Other Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt060284152
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt112837233
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt28170834
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt33152168
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt060284152
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt112947245
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt28170834
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt33636370
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0110012
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1484202
IRS990/ProgSrvcAccomActy2Grp/Desc0Offer comprehensive and competitively yielding savings products to members. Gesa offers a wide variety of savings products to members, which include, but are not limited to basic Savings, Holiday Club, Vacation Club, Commercial Savings, Certificate Accounts, IRA Certificates, IRA Savings and Money Market accounts. Gesa continues to be a leader in our area on Savings Account rates.
IRS990/ProgSrvcAccomActy3Grp/Desc0Offer low cost services to members which will enable them to achieve their desired financial goals.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt058000
IRS990/PYInvestmentIncomeAmt01264887
IRS990/PYOtherExpensesAmt037672077
IRS990/PYOtherRevenueAmt0141082
IRS990/PYProgramServiceRevenueAmt076131641
IRS990/PYRevenuesLessExpensesAmt014710188
IRS990/PYSalariesCompEmpBnftPaidAmt025097345
IRS990/PYTotalExpensesAmt062827422
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt077537610
IRS990/ReconcilationRevenueExpnssAmt012500198
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0141458
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0147512764
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0158918500
IRS990/SavingsAndTempCashInvstGrp/BOYAmt056315659
IRS990/SavingsAndTempCashInvstGrp/EOYAmt062221479
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt043947495
IRS990ScheduleD/BuildingsGrp/DepreciationAmt09458681
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt053406176
IRS990ScheduleD/EquipmentGrp/BookValueAmt014935546
IRS990ScheduleD/EquipmentGrp/DepreciationAmt020400450
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt035335996
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt012604154
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt012604154
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt073405
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0228959
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0302364
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01076607

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,792,030,286
Liabilities
$1,633,111,786
Net assets
$158,918,500
Revenue
$87,133,617
Expenses
$74,633,419
Net income
$12,500,198
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$5,630$5,071$559$332$297$34.9
2023Detailed filing. Detailed filing data is available for this year.$5,461$4,942$519$290$240$50.3
2022Detailed filing. Detailed filing data is available for this year.$5,594$5,104$490$219$190$29.5
2021Detailed filing. Detailed filing data is available for this year.$4,984$4,494$490$210$161$48.7
2020Detailed filing. Detailed filing data is available for this year.$4,378$3,933$445$216$174$41.3
2019Detailed filing. Detailed filing data is available for this year.$3,685$3,282$403$158$130$28.7
2018Detailed filing. Detailed filing data is available for this year.$2,059$1,869$191$109$90.9$17.9
2017Detailed filing. Detailed filing data is available for this year.$1,902$1,729$173$96.1$82.5$13.6
2016Detailed filing. Detailed filing data is available for this year.$1,792$1,633$159$87.1$74.6$12.5
2015Detailed filing. Detailed filing data is available for this year.$1,594$1,447$148$77.5$62.8$14.7
2014Detailed filing. Detailed filing data is available for this year.$1,412$1,279$133$69.4$57.0$12.3
2013Detailed filing. Detailed filing data is available for this year.$1,297$1,178$120$66.5$56.4$10.1
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,222$1,113$109$50.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,125$1,031$94.2$48.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,017$933$84.0$49.9