Civic Intelligence

Washington State Employees Credit Union

990 • Fiscal year 2019 • EIN 91-0683062

Jan 01, 2019 to Dec 31, 2019 • Filed on Sep 04, 2020

Organization ProfileWWW.WSECU.ORG

View Organization Page

PO Box WsecuOlympia, WA 98507-0099

(360) 943-7911

Siviq Scores

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

Liabilities / Assets

52nd percentile

0.89x

Higher debt load relative to assets than 52% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Liabilities / Revenue

25th percentile

15.48x

Higher debt load relative to revenue than 25% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Net Margin

44th percentile

17%

Higher net margin than 44% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Top Officer Pay

65th percentile

$1,083,624

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 0.6% of source-year revenue.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Asset Growth

77th percentile

12%

Faster asset growth than 77% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Revenue Growth

5th percentile

3.2%

Faster revenue growth than 5% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Up

$3,338,765,767

Up $367,411,983 (+12%) from 2018

Net Assets

Up

$360,850,095

Up $37,648,860 (+12%) from 2018

Liabilities

Up

$2,977,915,672

Up $329,763,123 (+12%) from 2018

Revenue And Expenses
Liabilities / Revenue25th percentileNet Margin44th percentile

Revenue

Up

$192,328,707

Up $5,980,266 (+3.2%) from 2018

Expenses

Up

$160,546,308

Up $10,832,194 (+7.2%) from 2018

Net Income

Down

$31,782,399

Down $4,851,928 (-13%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth77th percentile

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

$6.0B$4.0B$2.0B$0Assets 2010: $1,546,329,476Liabilities 2010: $1,387,771,995Net Assets 2010: $158,557,4812010Assets 2011: $1,657,596,502Liabilities 2011: $1,486,810,241Net Assets 2011: $170,786,2612011Assets 2012: $1,806,158,758Liabilities 2012: $1,615,844,753Net Assets 2012: $190,314,0052012Assets 2013: $1,922,282,964Liabilities 2013: $1,719,276,556Net Assets 2013: $203,006,4082013Assets 2014: $2,217,436,663Liabilities 2014: $1,988,596,022Net Assets 2014: $228,840,6412014Assets 2015: $2,399,115,293Liabilities 2015: $2,149,328,326Net Assets 2015: $249,786,9672015Assets 2016: $2,543,164,364Liabilities 2016: $2,273,437,613Net Assets 2016: $269,726,7512016Assets 2017: $2,765,324,543Liabilities 2017: $2,476,557,946Net Assets 2017: $288,766,5972017Assets 2018: $2,971,353,784Liabilities 2018: $2,648,152,549Net Assets 2018: $323,201,2352018Assets 2019: $3,338,765,767Liabilities 2019: $2,977,915,672Net Assets 2019: $360,850,0952019Assets 2020: $4,076,563,130Liabilities 2020: $3,686,478,176Net Assets 2020: $390,084,9542020Assets 2021: $4,636,127,364Liabilities 2021: $4,212,027,754Net Assets 2021: $424,099,6102021Assets 2022: $4,932,136,053Liabilities 2022: $4,588,792,197Net Assets 2022: $343,343,8562022Assets 2023: $5,357,264,547Liabilities 2023: $4,972,716,307Net Assets 2023: $384,548,2402023Assets 2024: $5,165,066,329Liabilities 2024: $4,771,120,080Net Assets 2024: $393,946,2492024

Highlighted filing

2019

Assets$3,338,765,767
Liabilities$2,977,915,672
Net Assets$360,850,095
Open 2019 Filing

Operations Trend

Revenue Growth5th percentile

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

$400M$300M$200M$100M$0Expenses 2010: $93,515,9592010Expenses 2011: $90,315,9132011Expenses 2012: $93,454,4432012Revenue 2013: $114,455,507Expenses 2013: $94,637,300Net Income 2013: $19,818,2072013Revenue 2014: $129,616,295Expenses 2014: $107,861,150Net Income 2014: $21,755,1452014Revenue 2015: $148,063,687Expenses 2015: $126,973,376Net Income 2015: $21,090,3112015Revenue 2016: $154,894,641Expenses 2016: $133,315,546Net Income 2016: $21,579,0952016Revenue 2017: $162,502,294Expenses 2017: $143,309,512Net Income 2017: $19,192,7822017Revenue 2018: $186,348,441Expenses 2018: $149,714,114Net Income 2018: $36,634,3272018Revenue 2019: $192,328,707Expenses 2019: $160,546,308Net Income 2019: $31,782,3992019Revenue 2020: $191,745,564Expenses 2020: $170,138,844Net Income 2020: $21,606,7202020Revenue 2021: $192,003,010Expenses 2021: $144,257,586Net Income 2021: $47,745,4242021Revenue 2022: $218,232,879Expenses 2022: $200,999,720Net Income 2022: $17,233,1592022Revenue 2023: $317,874,177Expenses 2023: $289,348,460Net Income 2023: $28,525,7172023Revenue 2024: $335,996,713Expenses 2024: $331,443,360Net Income 2024: $4,553,3532024

Highlighted filing

2019

Revenue$192,328,707
Expenses$160,546,308
Net Income$31,782,399
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Sep 4, 2020
Return Version
2019v5.1
Gross Receipts
$286,719,972
Mission and Program Overview

Mission

To provide services to members which are mandated in the credit union act to charters and to provide a means whereby members can provide each other with needed financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,421,413,237$2,652,194,809▲ $230,781,572
Rtn Earn Endowment Incm Other Fnds$323,201,235$360,850,095▲ $37,648,860
Investments in Publicly Traded Securities$287,023,465$294,839,656▲ $7,816,191
Cash and Non-Interest-Bearing Accounts$26,013,788$188,758,956▲ $162,745,168
Land, Buildings, and Equipment, Net$113,385,168$111,019,775▼ $2,365,393
Savings and Temporary Cash Investments$18,237,097$18,420,987▲ $183,890
Accounts Receivable$8,858,360$12,973,075▲ $4,114,715
Investments Other Securities$25,743,505$11,511,138▼ $14,232,367
Prepaid Expenses and Deferred Charges$4,980,662$11,109,246▲ $6,128,584
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,971,353,784$3,338,765,767▲ $367,411,983
Other Assets Total$65,698,502$37,938,125▼ $27,760,377
Liabilities
Other Liabilities$2,550,687,945$2,850,597,086▲ $299,909,141
Unsecured Notes Loans Payable$50,000,000$70,000,000▲ $20,000,000
Accounts Payable and Accrued Expenses$47,464,604$57,318,586▲ $9,853,982
Total Liabilities$2,648,152,549$2,977,915,672▲ $329,763,123
Net Assets / Fund Balance
Total Net Assets Fund Balance$323,201,235$360,850,095▲ $37,648,860
Total Liabilities and Net Assets / Fund Balance$2,971,353,784$3,338,765,767▲ $367,411,983

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$76,044,107$29,839,898$105,884,005
Other Land Buildings$14,900,027$21,602,187$36,502,214
Equipment$2,652,608$14,418,063$17,070,671
Land$14,110,766-$14,110,766
Leasehold Improvements$3,312,267$8,564,660$11,876,927
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kevin Foster-keddieAdvisor to the CEOFT$678,588$405,036$1,083,624
Gary SwindlerPresident/CEOFT$383,904$516,511$900,415
Sharon WhiteheadChief Administrative OfficerFT$311,832$287,088$598,920
Randy GundersonChief Financial OfficerFT$325,277$203,303$528,580
Benjamin Morales ChiefTechnology & Ops Officer/CEO QcfFT$308,225$213,471$521,696
Jennifer StathamChief Marketing & Analytics OfficerFT$318,549$178,609$497,158
Paul KirkbrideChief Operating OfficerFT$281,667$168,662$450,329
Cynthia SchaumburgLoan OfficerFT$57,823$379,688$437,511
Jeff AmiraLoan Officer - Seattle AreaFT$75,547$339,934$415,481
Willard RanceCommunity Relations ConsultantFT$102,983$288,512$391,495
Tanya HillLoan OfficerFT$39,238$326,808$366,046
Cameron BrookshireLoan OfficerFT$45,214$318,871$364,085
Travis MathesonBoard Member-$2,082-$2,082
Trudy SoucoupBoard Member-$1,814-$1,814
Carole WashburnBoard Member/past Chair-$1,741-$1,741
Doug MahBoard Chair-$1,722-$1,722
Susan PochBoard Member-$1,695-$1,695
Tracy GuerinBoard Secretary-$1,458-$1,458
Mike StevensonBoard Member-$1,156-$1,156
Veronica BronkemaBoard Member-$1,037-$1,037

Board Members and Trustees

NameTitle
Marcus GlasparBoard Vice Chair

Highest Paid Contractors

ContractorServicesLocationCompensation
Aequilibrium Software INCMobile DevelopmentPO BOX 956, Renton, WA 98057, Ca$2,009,700
Kaye SmithForms Printer & MailerS WRIGHT 415 1ST AVE N 400, Seattle, WA 98109-4744$1,889,223
Balfour Beatty Construction Dba HowardBranch Construction13801 116TH AVE CT E, Puyallup, WA 98374$1,780,352
Strom Media INCMarketingPO BOX 952121, Dallas, TX 75395-2121$1,274,959
Shi International CorpIt Related-$1,148,888
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$182,601,359
Investment Income
$9,074,093
Other Revenue
$653,255
Change in Net Assets
$31,782,399
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$90,990,653
Salaries, Compensation, and Employee Benefits$69,491,155
Grants and Similar Amounts Paid$64,500
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$45,476,397
Interest---$16,626,164
Other Employee Benefits---$10,711,980
Depreciation Depletion---$9,942,485
Fees for Services Other---$7,971,060
All Other Expenses---$7,771,278
Occupancy---$5,333,677
Advertising---$5,281,194
Office Expenses---$5,219,461
Pension Plan Contributions---$4,879,120
Current Officers, Directors, Trustees, and Key Employees---$4,593,426
Payroll Taxes---$3,830,232
Information Technology---$3,472,962
Travel---$760,805
Other Expenses---$659,907
Conferences and Meetings---$619,459
Insurance---$452,895
Fees for Services Legal---$300,352
Fees for Services Accounting---$95,587
Grants to Domestic Individuals---$64,500
Total Functional Expenses$0$0$0$160,546,308
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
MEMBERS' SHARE AND SAVINGS ACCOUNTS$2,850,597,086
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 35% controlled entity
No
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Credit union members have the right to elect the members of the governing body. The credit union's members also receive a share of the organization's profits in the form of cash dividends.”

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

“Credit union members have the right to elect one or more members of the organization's governing body, whether periodically, or as vacancies arise, or otherwise.”

Form 990, Part VI, Section A, Line 7B

“Members of the credit union have the right to approve the 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 11B

“Accounting personnel review form 990 for accuracy compared to internal reports and make adjustments as necessary under the guidance of our tax accountants. The form is reviewed by the ceo prior to signing of the final draft. The return is available to all members of the board of directors for review.”

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

“The credit union sends out an annual hr policies acknowledgment to all staff and requires acknowledgment from each person each year, as well as upon hire. This policies acknowledgment includes the wsecu code of conduct, which covers the conflict of interest policy. The conflict of interest policy is enforced in various ways. Depending on the particular conflict for employment conflicts, the credit union requires a notification to hr of any second jobs and approval by the employee's leader. For potential conflicts of employees working with relatives, the credit union requires a senior management approval before they hire, promote, or transfer anyone who might be working with a relative of a wsecu employee. If the organization is notified of other types of conflicts, they deal with them as they arise, involving company leadership. Conflict questionnaires are signed annually by the board of directors. If a potential conflict is identified, it is reported to the board, which then reviews all information and determines if an actual conflict exists. Directors with the potential conflict recuse themselves from voting on any related issues. The organization's policy has assisted the credit union in prohibiting conflicts before they impact the company.”

Form 990, Part VI, Section B, Line 15

“Wsecu uses a third-party, outside consultant to evaluate executive compensation. The review that the consultant completes includes a reasonableness test, market (comparable) data for the financial services/credit union industry and the geographic area, and includes the entire salary and benefits package. Periodically, human resources uses industry and regional executive salary surveys to verify executive compensation. The ceo contract, including compensation, is reviewed by the wsecu board of directors. The review last took place on december 31, 2019.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents, conflict of interest policy and financial statements are not made available to the public.”

Filing and Contact Details

Filer

Filer Name
Washington State Employees Credit Union
EIN
91-0683062
Phone
3609437911
Address
PO BOX WSECU, OLYMPIA, WA 98507-0099

Signing Officer

Name
Gary Swindler
Title
President/CEO
Phone
3609437911
Signed
2020-09-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gary Swindler
Formed
1957
Legal Domicile
Wa
Voting Board Members
9
Independent Board Members
9
Employees
825
Volunteers
38

Preparer

Firm
Moss Adams Llp
Address
805 SW BROADWAY STE 1200, PORTLAND, OR 97205
Preparer
Wendy Campos
Phone
5032421447
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Passthrough book/tax difference 12,571.”

Financial Statement Notes

PART X, LINE 2:

“Asc 740 uncertain tax positions financial statement footnote - the credit union is state-chartered and federally tax-exempt under internal revenue code section 501(c)(14), except to the extent of unrelated business income. A tax-exempt organization information return and unrelated business income tax return are filed annually with the applicable tax jurisdictions. Wsc, owf, and qcf are disregarded entities for tax purposes and are therefore not subject to federal income tax. The credit union recognizes the tax benefit from uncertain tax positions, if any, only if it is more likely than not that the tax positions will be sustained on examination by the tax authorities, based on the technical merits of the position. The tax benefit is measured based on the largest benefit that has a greater than 50% likelihood of being realized upon ultimate settlement. The credit union recognizes interest accrued and penalties related to unrecognized tax benefits as an administrative expense. The credit union had no unrecognized tax benefits at december 31, 2019 or 2018. During the years ended december 31, 2019 and 2018, the credit union recognized no interest and penalties.”

Raw XML AppendixShowing 400 of 779 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/OtherCompensationAmt80
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt13117003
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1480897
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1592155
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1643856
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1724178
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1837674
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1939936
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2048068
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IRS990/Form990PartVIISectionAGrp/PersonNm1DOUG MAH
IRS990/Form990PartVIISectionAGrp/PersonNm2TRACY GUERIN
IRS990/Form990PartVIISectionAGrp/PersonNm3MARCUS GLASPAR
IRS990/Form990PartVIISectionAGrp/PersonNm4TRAVIS MATHESON
IRS990/Form990PartVIISectionAGrp/PersonNm5TRUDY SOUCOUP
IRS990/Form990PartVIISectionAGrp/PersonNm6SUSAN POCH
IRS990/Form990PartVIISectionAGrp/PersonNm7MIKE STEVENSON
IRS990/Form990PartVIISectionAGrp/PersonNm8VERONICA BRONKEMA
IRS990/Form990PartVIISectionAGrp/PersonNm9KEVIN FOSTER-KEDDIE
IRS990/Form990PartVIISectionAGrp/PersonNm10GARY SWINDLER
IRS990/Form990PartVIISectionAGrp/PersonNm11RANDY GUNDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm12SHARON WHITEHEAD
IRS990/Form990PartVIISectionAGrp/PersonNm13BENJAMIN MORALES CHIEF
IRS990/Form990PartVIISectionAGrp/PersonNm14JENNIFER STATHAM
IRS990/Form990PartVIISectionAGrp/PersonNm15PAUL KIRKBRIDE
IRS990/Form990PartVIISectionAGrp/PersonNm16CYNTHIA SCHAUMBURG
IRS990/Form990PartVIISectionAGrp/PersonNm17JEFF AMIRA
IRS990/Form990PartVIISectionAGrp/PersonNm18WILLARD RANCE
IRS990/Form990PartVIISectionAGrp/PersonNm19TANYA HILL
IRS990/Form990PartVIISectionAGrp/PersonNm20CAMERON BROOKSHIRE
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21458
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18353821
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19326110
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MEMBER/PAST CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9ADVISOR TO THE CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF ADMINISTRATIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13TECHNOLOGY & OPS OFFICER/CEO QCF
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF MARKETING & ANALYTICS OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17LOAN OFFICER - SEATTLE AREA
IRS990/Form990PartVIISectionAGrp/TitleTxt18COMMUNITY RELATIONS CONSULTANT
IRS990/Form990PartVIISectionAGrp/TitleTxt19LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt20LOAN OFFICER
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IRS990/GainOrLossGrp/SecuritiesAmt0364052
IRS990/GamingActivitiesInd00
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0500
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt094607244
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IRS990/GrossRentsGrp/RealAmt0653255
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IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt03472962
IRS990/InsuranceGrp/TotalAmt0452895
IRS990/InterestGrp/TotalAmt016626164
IRS990/InvestmentIncomeGrp/ExclusionAmt08868556
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt08857614
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt0-10942
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt011511138
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0287023465
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0294839656
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IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt074424808
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0113385168
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0111019775
IRS990/LandBldgEquipCostOrOtherBssAmt0185444583
IRS990/LegalDomicileStateCd0WA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0148073
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt094243192
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE SERVICES TO MEMBERS WHICH ARE MANDATED IN THE CREDIT UNION ACT TO CHARTERS AND TO PROVIDE A MEANS WHEREBY MEMBERS CAN PROVIDE EACH OTHER WITH NEEDED FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0323201235
IRS990/NetAssetsOrFundBalancesEOYAmt0360850095
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0216988
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-509
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0216479
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0653255
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0653255
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt05853890
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt05333677
IRS990/OfficeExpensesGrp/TotalAmt05219461
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt065698502
IRS990/OtherAssetsTotalGrp/EOYAmt037938125
IRS990/OtherChangesInNetAssetsAmt012571
IRS990/OtherEmployeeBenefitsGrp/TotalAmt010711980
IRS990/OtherExpensesGrp/Desc0LOAN LOSS PROVISION
IRS990/OtherExpensesGrp/Desc1VISA AND ATM
IRS990/OtherExpensesGrp/Desc2CARD AND TERMINAL
IRS990/OtherExpensesGrp/Desc3TRAINING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt015299600
IRS990/OtherExpensesGrp/TotalAmt19819737
IRS990/OtherExpensesGrp/TotalAmt21364030
IRS990/OtherExpensesGrp/TotalAmt3659907
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IRS990/OtherLiabilitiesGrp/EOYAmt02850597086
IRS990/OtherSalariesAndWagesGrp/TotalAmt045476397
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IRS990/ProgramServiceRevenueGrp/Desc1SERVICE FEES/CHARGES
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IRS990/ProgramServiceRevenueGrp/Desc3OTHER INCOME
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt147461113
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21319041
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3-96818
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0132526471
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt148665322
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21319041
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt390525
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt04776
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt11204209
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt2187343
IRS990/ProgSrvcAccomActy2Grp/Desc0LOANS: FROM THE CARS MEMBERS DRIVE TO THE UNTAPPED EQUITY IN THEIR HOMES, WSECU LOANS ARE DESIGNED TO GIVE MEMBERS THE UTMOST BUYING POWER AND PAYMENT FLEXIBILITY. BACKED WITH OUR OUTSTANDING SERVICE, THERE IS SIMPLY NO BETTER PLACE TO GO FOR MEMBERS' LENDING NEEDS.
IRS990/ProgSrvcAccomActy3Grp/Desc0CREDIT CARDS: WSECU PROVIDES A VARIETY OF CREDIT CARD OPTIONS TO MEET THE VARIED LIFESTYLES OF OUR MEMBERS. EACH OPTION INCLUDES THE VALUE OF A VARIABLE INTEREST RATE, NO ANNUAL FEE, PLUS THE COST-SAVINGS BENEFIT OF A 25-DAY GRACE PERIOD ON NEW PURCHASES - AND THE PURCHASING POWER OF THE MOST RECOGNIZED CREDIT CARD IN THE WORLD. EACH OF OUR CREDIT CARD OPTIONS PROVIDES UNIQUE FEATURES AND BENEFITS. FROM HIGHER SPENDING LIMITS TO REWARDS PROGRAMS TO FIRST-TIME CARDHOLDERS ESTABLISHING CREDIT, WSECU MEMBERS HAVE AN EXCITING RANGE OF CREDIT CARD OPTIONS FROM WHICH TO CHOOSE.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt065500
IRS990/PYInvestmentIncomeAmt015191777
IRS990/PYOtherExpensesAmt087833363
IRS990/PYOtherRevenueAmt0912712
IRS990/PYProgramServiceRevenueAmt0170243952
IRS990/PYRevenuesLessExpensesAmt036634327
IRS990/PYSalariesCompEmpBnftPaidAmt061815251
IRS990/PYTotalExpensesAmt0149714114
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0186348441
IRS990/ReconcilationRevenueExpnssAmt031782399
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0653255
IRS990/ReportInvestmentsOtherSecInd00

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,338,765,767
Liabilities
$2,977,915,672
Net assets
$360,850,095
Revenue
$192,328,707
Expenses
$160,546,308
Net income
$31,782,399
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5,165$4,771$394$336$331$4.55
2023Summary only. Only limited summary data is available for this year.$5,357$4,973$385$318$289$28.5
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,932$4,589$343$218$201$17.2
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,636$4,212$424$192$144$47.7
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$4,077$3,686$390$192$170$21.6
2019Detailed filing. Detailed filing data is available for this year.$3,339$2,978$361$192$161$31.8
2018Summary only. Only limited summary data is available for this year.$2,971$2,648$323$186$150$36.6
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,765$2,477$289$163$143$19.2
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,543$2,273$270$155$133$21.6
2015Detailed filing. Detailed filing data is available for this year.$2,399$2,149$250$148$127$21.1
2014Detailed filing. Detailed filing data is available for this year.$2,217$1,989$229$130$108$21.8
2013Detailed filing. Detailed filing data is available for this year.$1,922$1,719$203$114$94.6$19.8
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,806$1,616$190$93.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,658$1,487$171$90.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,546$1,388$159$93.5
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2019 filings • 501(c)14 • $1B+ nonprofits