Civic Intelligence

Credit Unions in the State of Washington

990 • Fiscal year 2015 • EIN 91-0620799

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 15, 2016

Organization Profilewww.globalcu.org

View Organization Page

1500 W Fourth AvenueSpokane, WA 99201

(509) 455-4700

Siviq Scores

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

Liabilities / Assets

91st percentile

0.92x

Higher debt load relative to assets than 91% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

65th percentile

20.12x

Higher debt load relative to revenue than 65% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

11th percentile

4.8%

Higher net margin than 11% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

17th percentile

$261,629

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

52nd percentile

6.5%

Faster asset growth than 52% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

13th percentile

-0.7%

Faster revenue growth than 13% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets91st percentile

Assets

Up

$395,165,703

Up $24,038,053 (+6.5%) from 2014

Net Assets

Up

$32,587,526

Up $808,353 (+2.5%) from 2014

Liabilities

Up

$362,578,177

Up $23,229,700 (+6.8%) from 2014

Revenue And Expenses
Liabilities / Revenue65th percentileNet Margin11th percentile

Revenue

Down

$18,021,361

Down $132,621 (-0.7%) from 2014

Expenses

Up

$17,152,160

Up $175,326 (+1.0%) from 2014

Net Income

Down

$869,201

Down $307,947 (-26%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth52nd percentile

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

$800M$600M$400M$200M$0Assets 2010: $339,389,801Liabilities 2010: $312,268,109Net Assets 2010: $27,121,6922010Assets 2011: $349,386,669Liabilities 2011: $318,159,003Net Assets 2011: $31,227,6662011Assets 2012: $360,946,837Liabilities 2012: $329,491,190Net Assets 2012: $31,455,6472012Assets 2013: $371,182,807Liabilities 2013: $342,274,472Net Assets 2013: $28,908,3352013Assets 2014: $371,127,650Liabilities 2014: $339,348,477Net Assets 2014: $31,779,1732014Assets 2015: $395,165,703Liabilities 2015: $362,578,177Net Assets 2015: $32,587,5262015Assets 2016: $418,249,417Liabilities 2016: $383,626,748Net Assets 2016: $34,622,6692016Assets 2017: $450,068,740Liabilities 2017: $414,144,457Net Assets 2017: $35,924,2832017Assets 2018: $454,156,520Liabilities 2018: $415,138,599Net Assets 2018: $39,017,9212018Assets 2019: $478,348,633Liabilities 2019: $433,743,213Net Assets 2019: $44,605,4202019Assets 2020: $543,383,087Liabilities 2020: $496,685,677Net Assets 2020: $46,697,4102020Assets 2021: $613,886,782Liabilities 2021: $562,902,090Net Assets 2021: $50,984,6922021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2015

Assets$395,165,703
Liabilities$362,578,177
Net Assets$32,587,526
Open 2015 Filing

Operations Trend

Revenue Growth13th percentile

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

$40M$30M$20M$10M$0-$10MExpenses 2010: $21,633,2352010Expenses 2011: $16,760,8232011Expenses 2012: $18,083,6602012Revenue 2013: $18,455,731Expenses 2013: $18,873,972Net Income 2013: -$418,2412013Revenue 2014: $18,153,982Expenses 2014: $16,976,834Net Income 2014: $1,177,1482014Revenue 2015: $18,021,361Expenses 2015: $17,152,160Net Income 2015: $869,2012015Revenue 2016: $20,637,948Expenses 2016: $18,717,535Net Income 2016: $1,920,4132016Revenue 2017: $23,177,176Expenses 2017: $21,825,835Net Income 2017: $1,351,3412017Revenue 2018: $23,307,868Expenses 2018: $20,066,696Net Income 2018: $3,241,1722018Revenue 2019: $27,569,412Expenses 2019: $22,359,617Net Income 2019: $5,209,7952019Revenue 2020: $27,511,372Expenses 2020: $25,574,263Net Income 2020: $1,937,1092020Revenue 2021: $30,633,137Expenses 2021: $25,990,650Net Income 2021: $4,642,4872021Revenue 2022: $12,582,433Expenses 2022: $16,146,835Net Income 2022: -$3,564,4022022

Highlighted filing

2015

Revenue$18,021,361
Expenses$17,152,160
Net Income$869,201
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 15, 2016
Return Version
2015v2.1
Gross Receipts
$43,227,397
Mission and Program Overview

Mission

The organization is a credit union operated without profit for mutual purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$237,118,654$265,338,058▲ $28,219,404
Investments Other Securities$55,443,257$45,216,709▼ $10,226,548
Rtn Earn Endowment Incm Other Fnds$31,779,173$32,587,526▲ $808,353
Savings and Temporary Cash Investments$21,349,059$26,544,692▲ $5,195,633
Land, Buildings, and Equipment, Net$14,015,242$14,388,457▲ $373,215
Cash and Non-Interest-Bearing Accounts$6,069,260$6,625,191▲ $555,931
Prepaid Expenses and Deferred Charges$2,111,643$2,184,875▲ $73,232
Accounts Receivable$377,119$300,310▼ $76,809
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$371,127,650$395,165,703▲ $24,038,053
Other Assets Total$34,643,416$34,567,411▼ $76,005
Liabilities
Other Liabilities$330,996,892$354,888,224▲ $23,891,332
Mortgage Notes Payable Secured by Investment Property$6,000,000$6,000,000→ $0
Accounts Payable and Accrued Expenses$2,351,585$1,662,134▼ $689,451
Escrow Account Liability-$27,819-
Total Liabilities$339,348,477$362,578,177▲ $23,229,700
Net Assets / Fund Balance
Total Net Assets Fund Balance$31,779,173$32,587,526▲ $808,353
Total Liabilities and Net Assets / Fund Balance$371,127,650$395,165,703▲ $24,038,053

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,380,735$6,473,528$15,854,263
Equipment$1,328,622$8,460,296$9,788,918
Land$2,439,850-$2,439,850
Leasehold Improvements$847,970$1,499,249$2,347,219
Other Land Buildings$391,280$351,661$742,941
Other Assets Org$18,992,647--
Other Securities$3,651,730--
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jack L Fallis JrPresident/CEO/TreasurerFT$362,234$-100,605$261,629
Mary StarkeyVP of Operations/COOFT$186,238$42,738$228,976
Robert FLINDERSSales Mgr & Loan OfficerFT$147,810$25,553$173,363
Jackie CardleRE Lending ManagerFT$134,753$31,339$166,092
David CummingsVP of It/CIOFT$131,849$29,524$161,373
Eduardo OrozcoVP of Special CreditsFT$124,076$34,431$158,507
Kim ShillVP of LendingFT$135,962$21,054$157,016
Yvonne HollandVP of Branch OperationsFT$103,286$22,735$126,021
Brian KazembaVP of Finance & AcctFT$69,637$30,308$99,945
Richard GreenVP Member Business LendingFT$42,595$1,932$44,527

Board Members and Trustees

NameTitle
Joe M TortorelliBoard Chairman
Robert J LaPointeBoard Vice Chairman
Thomas A PauleyBoard Secretary
Hal WestbrookDirector
MArc HughesDirector
Richard FischerDirector
Marcella GrayFormer Director

Highest Paid Contractors

ContractorServicesLocationCompensation
Official Payments CorporationOnline And E-service License & Maintenan705 WESTECH DRIVE, Norcross, GA 30092$382,119
Jack Henry & Associates IncIT/Core System License & MaintenancePO Box 609, Monett, MO 65708$379,103
Bales Construction INCCommercial construction5620 E Desmet Ave, Spokane, WA 99212$213,350
Boom LLCMarketing & Promotions111 S MADISON STREET, Spokane, WA 99201$183,280
Velocity Solutions INCRetail Banking ServicesPO BOX 460939, Fort Lauderdale, FL 33346$172,504
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,157,132
Investment Income
$839,580
Other Revenue
$24,649
Change in Net Assets
$869,201
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,190,348
Salaries, Compensation, and Employee Benefits$7,902,960
Grants and Similar Amounts Paid$58,852
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,868,971
Depreciation Depletion---$1,376,902
Information Technology---$1,313,599
Interest---$1,138,919
Occupancy---$895,140
Current Officers, Directors, Trustees, and Key Employees---$796,452
Office Expenses---$659,733
Other Employee Benefits---$547,859
Payroll Taxes---$532,127
Fees for Services Other---$423,539
Other Expenses---$243,606
Advertising---$235,973
Pension Plan Contributions---$157,551
Travel---$124,024
Insurance---$113,762
All Other Expenses---$113,110
Grants to Domestic Orgs---$58,852
Conferences and Meetings---$47,230
Fees for Services Accounting---$46,978
Fees for Services Legal---$5,222
Total Functional Expenses$0$0$0$17,152,160
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Inland Publications IncSpokane, WA501(c)(3)Volume Community Event$15,000
United Way of Spokane CountySpokane, WA501(c)(3)Match of Employee Donation$12,452
Terrain ProgramsSpokane, WA-Sponsorship$10,000
COEUR D'ALENE ARTS AND CULTURE ALLIANCECoeur Dalene, ID-Global Title Sponsors$6,000
Gonzaga UniversitySpokane, WA501(c)(3)Gold Sponsorship Gu Athletics$5,400
Spokane Neighborhood Action ProgramSpokane, WA501(c)(3)Capital Campaign$5,000
Zak FoundationSpokane, WA501(c)(3)ZAK! CHARITY OPEN SPONSORSHIP$5,000
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
Shares & Deposits$354,888,224
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 Organization operates as a Credit Union consisting of one class of members.”

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

“Members of the governing body are elected by vote of the Credit Union members.”

Form 990, Part VI, Section B, line 11

“The credit union's form 990 is reviewed by the chief financial officer who then reports to the president/ceo. The president/ceo then provides a copy of the 990 to be reviewed by the board of directors.”

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

“The Organization's conflict of interest policy is described in the employee handbook. Conflicts of interest are reviewed by management. Depending on the severity of the conflict, employees are placed on probation or terminated. Directors/Supervisory committee members must acknowledge the "Board of Director's Ethics/conflict of interest policy" each year, typically in March. The policy strictly prohibits most conflicts (gifts, solicitations, legacies, information interlocks, commission, etc). Loans are the exception, in which case the entire board must approve them individually and they cannot be preferential.”

Form 990, Part VI, Section B, line 15

“The process for reviewing the compensation paid to the organization's CEO, officers, and key employees includes a compensation study, and review and approval of compensation by a compensation committee.”

Form 990, Part VI, Section C, line 18

“The Credit Union makes Forms 1024 and 990 available for public inspection upon request at the main office.”

Form 990, Part VI, Section C, line 19

“The Credit Union makes governing documents, conflict of interest policy, and financial statements available for public inspection upon request at the main office.”

Filing and Contact Details

Filer

Filer Name
Global Credit Union
EIN
91-0620799
Phone
5094554700
Address
1500 W Fourth Avenue, Spokane, WA 99201

Signing Officer

Name
Tim Cassels
Title
Chief Financial Officer
Phone
5094554700
Signed
2016-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jack Fallis
Formed
1954
Legal Domicile
Wa
Voting Board Members
7
Independent Board Members
6
Employees
194
Volunteers
10

Preparer

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

Financial Statement Notes

Part IV, Line 2B:

“The credit union has short term holdings of member escrow funds that get transmitted to DMI for payments. DMI services the payments which include county tax payments and insurance.”

Raw XML AppendixShowing 400 of 733 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/PersonNm0RICHARD FISCHER
IRS990/Form990PartVIISectionAGrp/PersonNm1HAL WESTBROOK
IRS990/Form990PartVIISectionAGrp/PersonNm2MArc Hughes
IRS990/Form990PartVIISectionAGrp/PersonNm3Marcella Gray
IRS990/Form990PartVIISectionAGrp/PersonNm4JOE M TORTORELLI
IRS990/Form990PartVIISectionAGrp/PersonNm5Robert J LaPointe
IRS990/Form990PartVIISectionAGrp/PersonNm6Thomas A Pauley
IRS990/Form990PartVIISectionAGrp/PersonNm7JACK L FALLIS JR
IRS990/Form990PartVIISectionAGrp/PersonNm8Mary Starkey
IRS990/Form990PartVIISectionAGrp/PersonNm9DAVID CUMMINGS
IRS990/Form990PartVIISectionAGrp/PersonNm10Brian Kazemba
IRS990/Form990PartVIISectionAGrp/PersonNm11Richard Green
IRS990/Form990PartVIISectionAGrp/PersonNm12KIM SHILL
IRS990/Form990PartVIISectionAGrp/PersonNm13EDUARDO OROZCO
IRS990/Form990PartVIISectionAGrp/PersonNm14Yvonne Holland
IRS990/Form990PartVIISectionAGrp/PersonNm15JACKIE CARDLE
IRS990/Form990PartVIISectionAGrp/PersonNm16Robert FLINDERS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7376247
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8188954
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9131849
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1069637
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1142595
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12135962
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13124076
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14103286
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15134753
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16147810
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/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Former Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt7President/CEO/Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP OF OPERATIONS/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP OF IT/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP of Finance & Acct
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP Member Business Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP of Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF SPECIAL CREDITS
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP of Branch Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt15RE Lending Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt16Sales Mgr & Loan Officer
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt037362
IRS990/GainOrLossGrp/SecuritiesAmt057326
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticOrgsGrp/TotalAmt058852
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt03022590
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt021930977
IRS990/GrossReceiptsAmt043227397
IRS990/GrossRentsGrp/RealAmt0371806
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01313599
IRS990/InsuranceGrp/TotalAmt0113762
IRS990/InterestGrp/TotalAmt01138919
IRS990/InvestmentIncomeGrp/ExclusionAmt0744892
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0744892
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt055443257
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt045216709
IRS990/IRPDocumentCnt06303
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt016784734
IRS990/LandBldgEquipBasisNetGrp/BOYAmt014015242
IRS990/LandBldgEquipBasisNetGrp/EOYAmt014388457
IRS990/LandBldgEquipCostOrOtherBssAmt031173191
IRS990/LegalDomicileStateCd0WA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt02985228
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt021873651
IRS990/LessRentalExpensesGrp/RealAmt0347157
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0The Organization is a Credit Union operated without profit for mutual purposes.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt06000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt06000000
IRS990/NetAssetsOrFundBalancesBOYAmt031779173
IRS990/NetAssetsOrFundBalancesEOYAmt032587526
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt094688
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt094688
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt024649
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt024649
IRS990/NetUnrelatedBusTxblIncmAmt0-46865
IRS990/NetUnrlzdGainsLossesInvstAmt0-60848
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0895140
IRS990/OfficeExpensesGrp/TotalAmt0659733
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt034643416
IRS990/OtherAssetsTotalGrp/EOYAmt034567411
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0547859
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Member Servicing
IRS990/OtherExpensesGrp/Desc2REPOSSESSION EXPENSES
IRS990/OtherExpensesGrp/Desc3Other Operating Expense
IRS990/OtherExpensesGrp/TotalAmt01412466
IRS990/OtherExpensesGrp/TotalAmt1612554
IRS990/OtherExpensesGrp/TotalAmt2427591
IRS990/OtherExpensesGrp/TotalAmt3243606
IRS990/OtherLiabilitiesGrp/BOYAmt0330996892
IRS990/OtherLiabilitiesGrp/EOYAmt0354888224
IRS990/OtherSalariesAndWagesGrp/TotalAmt05868971
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0237118654
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0265338058
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0532127
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0157551
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02111643
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02184875
IRS990/PrincipalOfficerNm0Jack Fallis
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1Visa/Debit Card Income
IRS990/ProgramServiceRevenueGrp/Desc2Fee Income
IRS990/ProgramServiceRevenueGrp/Desc3Other Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt011015670
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13221781
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21414675
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3998260
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011015670
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13221781
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21921421
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3998260
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0506746
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt084595
IRS990/PYInvestmentIncomeAmt01192770
IRS990/PYOtherExpensesAmt09464964
IRS990/PYOtherRevenueAmt0-111328
IRS990/PYProgramServiceRevenueAmt017072540
IRS990/PYRevenuesLessExpensesAmt01177148
IRS990/PYSalariesCompEmpBnftPaidAmt07427275
IRS990/PYTotalExpensesAmt016976834
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt018153982
IRS990/ReconcilationRevenueExpnssAmt0869201
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/RentalIncomeOrLossGrp/RealAmt024649
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt031779173
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt032587526
IRS990/SavingsAndTempCashInvstGrp/BOYAmt021349059
IRS990/SavingsAndTempCashInvstGrp/EOYAmt026544692
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt09380735
IRS990ScheduleD/BuildingsGrp/DepreciationAmt06473528
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt015854263
IRS990ScheduleD/EquipmentGrp/BookValueAmt01328622
IRS990ScheduleD/EquipmentGrp/DepreciationAmt08460296
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt09788918
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt02439850
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02439850
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0847970
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01499249
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02347219
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0899754
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt111403122
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt23271888
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt318992647
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Accrued Interest
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1Other Assets & Receivables
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2NCUA Share Insurance Fund
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3Deposits in Commercial Banks
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0391280
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0351661

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$395,165,703
Liabilities
$362,578,177
Net assets
$32,587,526
Revenue
$18,021,361
Expenses
$17,152,160
Net income
$869,201
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$12.6$16.1$3.56
2021Detailed filing. Detailed filing data is available for this year.$614$563$51.0$30.6$26.0$4.64
2020Detailed filing. Detailed filing data is available for this year.$543$497$46.7$27.5$25.6$1.94
2019Detailed filing. Detailed filing data is available for this year.$478$434$44.6$27.6$22.4$5.21
2018Detailed filing. Detailed filing data is available for this year.$454$415$39.0$23.3$20.1$3.24
2017Detailed filing. Detailed filing data is available for this year.$450$414$35.9$23.2$21.8$1.35
2016Detailed filing. Detailed filing data is available for this year.$418$384$34.6$20.6$18.7$1.92
2015Detailed filing. Detailed filing data is available for this year.$395$363$32.6$18.0$17.2$0.87
2014Detailed filing. Detailed filing data is available for this year.$371$339$31.8$18.2$17.0$1.18
2013Detailed filing. Detailed filing data is available for this year.$371$342$28.9$18.5$18.9$0.42
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$361$329$31.5$18.1
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$349$318$31.2$16.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$339$312$27.1$21.6