Civic Intelligence

Gesa Credit Union

990 • Fiscal year 2017 • EIN 91-0616262

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 14, 2018

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

80th percentile

0.91x

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

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Liabilities / Revenue

35th percentile

18.00x

Higher debt load relative to revenue than 35% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Net Margin

29th percentile

14%

Higher net margin than 29% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Top Officer Pay

69th percentile

$1,169,656

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Asset Growth

38th percentile

6.2%

Faster asset growth than 38% of similar nonprofits.

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

Revenue Growth

47th percentile

10%

Faster revenue growth than 47% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$1,902,374,640

Up $110,344,354 (+6.2%) from 2016

Net Assets

Up

$173,113,040

Up $14,194,540 (+8.9%) from 2016

Liabilities

Up

$1,729,261,600

Up $96,149,814 (+5.9%) from 2016

Revenue And Expenses
Liabilities / Revenue35th percentileNet Margin29th percentile

Revenue

Up

$96,071,518

Up $8,937,901 (+10%) from 2016

Expenses

Up

$82,453,067

Up $7,819,648 (+10%) from 2016

Net Income

Up

$13,618,451

Up $1,118,253 (+8.9%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth38th 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

2017

Assets$1,902,374,640
Liabilities$1,729,261,600
Net Assets$173,113,040
Open 2017 Filing

Operations Trend

Revenue Growth47th 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

2017

Revenue$96,071,518
Expenses$82,453,067
Net Income$13,618,451
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 14, 2018
Return Version
2017v2.3
Gross Receipts
$96,153,422
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 156,034 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$1,481,414,809$1,561,540,824▲ $80,126,015
Rtn Earn Endowment Incm Other Fnds$158,918,500$173,113,040▲ $14,194,540
Cash and Non-Interest-Bearing Accounts$80,246,108$113,603,179▲ $33,357,071
Land, Buildings, and Equipment, Net$72,637,207$70,883,491▼ $1,753,716
Savings and Temporary Cash Investments$62,221,479$62,497,475▲ $275,996
Investments Other Securities$43,071,471$37,668,686▼ $5,402,785
Prepaid Expenses and Deferred Charges$17,660,556$17,865,060▲ $204,504
Accounts Receivable$2,906,643$2,734,322▼ $172,321
Investments Program Related$375,010$375,010→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,792,030,286$1,902,374,640▲ $110,344,354
Other Assets Total$31,497,003$35,206,593▲ $3,709,590
Liabilities
Other Liabilities$1,541,005,270$1,606,970,387▲ $65,965,117
Accounts Payable and Accrued Expenses$89,621,599$120,883,878▲ $31,262,279
Deferred Revenue$1,223,315$1,398,095▲ $174,780
Escrow Account Liability$1,261,602$9,240▼ $1,252,362
Total Liabilities$1,633,111,786$1,729,261,600▲ $96,149,814
Net Assets / Fund Balance
Total Net Assets Fund Balance$158,918,500$173,113,040▲ $14,194,540
Total Liabilities and Net Assets / Fund Balance$1,792,030,286$1,902,374,640▲ $110,344,354

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$43,460,455$10,765,490$54,225,945
Equipment$13,183,517$23,123,829$36,307,346
Land$12,753,836-$12,753,836
Other Land Buildings$1,447,165-$1,447,165
Leasehold Improvements$38,518$226,717$265,235
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Don C MillerPresident/CEOFT$470,317$699,339$1,169,656
Rajesh BandaruChief Information OfficerFT$260,769$191,526$452,295
Richard WaddleSVP of Finance/marketingFT$197,615$159,606$357,221
Brett JorgensonChief Lending OfficerFT$211,385$55,833$267,218
Randy WackerVP of Mortgage LendingFT$140,000$108,005$248,005
Mel CallowayVP Retail Sales & ServiceFT$173,519$72,785$246,304
Benjamin RutledgeVP Commercial ServicesFT$167,086$76,418$243,504
Rick ThompsonVP of FacilitiesFT$136,023$90,543$226,566
Jerry SimsSVP Compliance & Special ProjectsFT$156,762$69,774$226,536
Martin Valadez TorresSecretaryPT$4,799-$4,799
Peter SmithDirectorPT$3,116-$3,116
William MelbergVice Chairman of the BoardPT$2,647-$2,647
Paul KorstadDirectorPT$1,880-$1,880
Manuel ChavalloDirectorPT$1,839-$1,839
Iris AndersonDirectorPT$1,633-$1,633
Robert FollettDirectorPT$1,481-$1,481
Gregg AndrewsChairman of the BoardPT$1,184-$1,184

Board Members and Trustees

NameTitle
William Roberts JrDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservData Processing Provider75 REMITTANCE DR SUITE 6942, Chicago, IL 60675$1,778,574
American Reporting CompanyMortgage Appraisals6628 212TH STREET SW SUITE 100, Lynnwood, WA 98036$824,380
DieboldSecurity MaintenancePO BOX 643543, Pittsburgh, PA 15264$604,316
Charter CommunicationsCommunication ServicesPO BOX 60188, Los Angeles, CA 90060$551,526
Integrated Archive SystemsInformation Storage Services1121 N SAN ANTONIO RD SUITE D 100, Palo Alto, CA 94303$333,181
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$93,518,173
Investment Income
$2,398,813
Other Revenue
$154,532
Change in Net Assets
$13,618,451
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$50,600,292
Salaries, Compensation, and Employee Benefits$31,808,319
Grants and Similar Amounts Paid$44,456
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$22,970,118
Interest---$9,894,298
Office Expenses---$9,138,819
Depreciation Depletion---$6,330,772
Other Employee Benefits---$2,724,660
Advertising---$2,470,238
Current Officers, Directors, Trustees, and Key Employees---$2,350,858
Fees for Services Other---$2,316,954
Occupancy---$2,112,643
Payroll Taxes---$2,100,850
Pension Plan Contributions---$1,661,833
Travel---$1,021,612
All Other Expenses---$652,231
Other Expenses---$514,161
Insurance---$222,418
Fees for Services Legal---$220,370
Fees for Services Accounting---$137,393
Grants to Domestic Individuals---$42,300
Grants to Domestic Orgs---$2,156
Conferences and Meetings---$2,132
Total Functional Expenses$0$0$0$82,453,067
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$1,606,970,387
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
2018-11-14
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
590
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 693,105.”

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 666 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 156,034 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/Form990PartVIISectionAGrp/OtherCompensationAmt1757595
IRS990/Form990PartVIISectionAGrp/PersonNm0MANUEL CHAVALLO
IRS990/Form990PartVIISectionAGrp/PersonNm1PAUL KORSTAD
IRS990/Form990PartVIISectionAGrp/PersonNm2PETER SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm3WILLIAM ROBERTS JR
IRS990/Form990PartVIISectionAGrp/PersonNm4ROBERT FOLLETT
IRS990/Form990PartVIISectionAGrp/PersonNm5IRIS ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm6GREGG ANDREWS
IRS990/Form990PartVIISectionAGrp/PersonNm7WILLIAM MELBERG
IRS990/Form990PartVIISectionAGrp/PersonNm8MARTIN VALADEZ TORRES
IRS990/Form990PartVIISectionAGrp/PersonNm9DON C MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm10BRETT JORGENSON
IRS990/Form990PartVIISectionAGrp/PersonNm11RAJESH BANDARU
IRS990/Form990PartVIISectionAGrp/PersonNm12RICHARD WADDLE
IRS990/Form990PartVIISectionAGrp/PersonNm13RANDY WACKER
IRS990/Form990PartVIISectionAGrp/PersonNm14MEL CALLOWAY
IRS990/Form990PartVIISectionAGrp/PersonNm15BENJAMIN RUTLEDGE
IRS990/Form990PartVIISectionAGrp/PersonNm16JERRY SIMS
IRS990/Form990PartVIISectionAGrp/PersonNm17RICK THOMPSON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt01839
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11880
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23116
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt41481
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt51633
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt61184
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt72647
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt84799
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9574552
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10253141
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11304899
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12232355
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13211199
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14204599
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15198378
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16189433
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17168971
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/TitleTxt6CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt7VICE CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt8SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP OF FINANCE/MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF MORTGAGE LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP RETAIL SALES & SERVICE
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP COMMERCIAL SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP COMPLIANCE & SPECIAL PROJECTS
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP OF FACILITIES
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-3304
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt042300
IRS990/GrantsToDomesticOrgsGrp/TotalAmt02156
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt014300
IRS990/GrossReceiptsAmt096153422
IRS990/GrossRentsGrp/RealAmt0218832
IRS990/GroupExemptionNum01269
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt036
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/TotalAmt0222418
IRS990/InterestGrp/TotalAmt09894298
IRS990/InvestmentIncomeGrp/ExclusionAmt02402117
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02402117
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt043071471
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt037668686
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0375010
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0375010
IRS990/IRPDocumentCnt037285
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt034116036
IRS990/LandBldgEquipBasisNetGrp/BOYAmt072637207
IRS990/LandBldgEquipBasisNetGrp/EOYAmt070883491
IRS990/LandBldgEquipCostOrOtherBssAmt0104999527
IRS990/LegalDomicileStateCd0WA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt017604
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/NetAssetsOrFundBalancesBOYAmt0158918500
IRS990/NetAssetsOrFundBalancesEOYAmt0173113040
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-3304
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-3304
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0154532
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0154532
IRS990/NetUnrelatedBusTxblIncmAmt0234073
IRS990/NetUnrlzdGainsLossesInvstAmt0-117016
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02112643
IRS990/OfficeExpensesGrp/TotalAmt09138819
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt031497003
IRS990/OtherAssetsTotalGrp/EOYAmt035206593
IRS990/OtherChangesInNetAssetsAmt0693105
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02724660
IRS990/OtherExpensesGrp/Desc0UBI TAXES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2CREDIT/COLLECTION COSTS
IRS990/OtherExpensesGrp/Desc3FRAUD EXPENSE
IRS990/OtherExpensesGrp/TotalAmt066438
IRS990/OtherExpensesGrp/TotalAmt112246407
IRS990/OtherExpensesGrp/TotalAmt23253406
IRS990/OtherExpensesGrp/TotalAmt3514161
IRS990/OtherLiabilitiesGrp/BOYAmt01541005270
IRS990/OtherLiabilitiesGrp/EOYAmt01606970387
IRS990/OtherSalariesAndWagesGrp/TotalAmt022970118
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01481414809
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01561540824
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt02100850
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01661833
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt017660556
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt017865060
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/RelatedOrExemptFuncIncomeAmt067376632
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt113345469
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt28671868
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt33492328
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt067376632
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt113449162
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt28671868
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt34020511
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0103693
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1528183
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/PYGrantsAndSimilarPaidAmt046934
IRS990/PYInvestmentIncomeAmt01953558
IRS990/PYOtherExpensesAmt045161628
IRS990/PYOtherRevenueAmt0141458
IRS990/PYProgramServiceRevenueAmt085038601
IRS990/PYRevenuesLessExpensesAmt012500198
IRS990/PYSalariesCompEmpBnftPaidAmt029424857
IRS990/PYTotalExpensesAmt074633419
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt087133617
IRS990/ReconcilationRevenueExpnssAmt013618451
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0154532
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0158918500
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0173113040
IRS990/SavingsAndTempCashInvstGrp/BOYAmt062221479
IRS990/SavingsAndTempCashInvstGrp/EOYAmt062497475
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt043460455
IRS990ScheduleD/BuildingsGrp/DepreciationAmt010765490
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt054225945
IRS990ScheduleD/EquipmentGrp/BookValueAmt013183517
IRS990ScheduleD/EquipmentGrp/DepreciationAmt023123829
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt036307346
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt012753836
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt012753836
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt038518
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0226717
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0265235
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01447165
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01447165
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01606970387
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS AND ACCOUNTS

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,902,374,640
Liabilities
$1,729,261,600
Net assets
$173,113,040
Revenue
$96,071,518
Expenses
$82,453,067
Net income
$13,618,451
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