Civic Intelligence

Northwest Plus Credit Union

990 • Fiscal year 2016 • EIN 91-0684272

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 14, 2017

Organization ProfileWWW.NWPLUSCU.COM

View Organization Page

2821 Hewitt AvenueEverett, WA 98201-3890

(425) 297-1000

Siviq Scores

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

Liabilities / Assets

50th percentile

0.89x

Higher debt load relative to assets than 50% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

50th percentile

18.40x

Higher debt load relative to revenue than 50% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

68th percentile

14%

Higher net margin than 68% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

94th percentile

$409,193

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 4.6% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

88th percentile

10%

Faster asset growth than 88% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

36th percentile

3.7%

Faster revenue growth than 36% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$183,526,780

Up $17,144,239 (+10%) from 2015

Net Assets

Up

$19,416,755

Up $941,290 (+5.1%) from 2015

Liabilities

Up

$164,110,025

Up $16,202,949 (+11%) from 2015

Revenue And Expenses
Liabilities / Revenue50th percentileNet Margin68th percentile

Revenue

Up

$8,920,263

Up $319,213 (+3.7%) from 2015

Expenses

Up

$7,699,290

Up $188,952 (+2.5%) from 2015

Net Income

Up

$1,220,973

Up $130,261 (+12%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth88th percentile

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

$400M$300M$200M$100M$0Assets 2010: $146,193,050Liabilities 2010: $133,457,759Net Assets 2010: $12,735,2912010Assets 2011: $147,970,386Liabilities 2011: $133,563,541Net Assets 2011: $14,406,8452011Assets 2012: $155,559,959Liabilities 2012: $139,552,590Net Assets 2012: $16,007,3692012Assets 2013: $150,710,349Liabilities 2013: $134,882,794Net Assets 2013: $15,827,5552013Assets 2014: $156,572,135Liabilities 2014: $139,167,657Net Assets 2014: $17,404,4782014Assets 2015: $166,382,541Liabilities 2015: $147,907,076Net Assets 2015: $18,475,4652015Assets 2016: $183,526,780Liabilities 2016: $164,110,025Net Assets 2016: $19,416,7552016Assets 2017: $192,458,998Liabilities 2017: $171,180,461Net Assets 2017: $21,278,5372017Assets 2018: $199,322,340Liabilities 2018: $176,066,598Net Assets 2018: $23,255,7422018Assets 2019: $211,114,081Liabilities 2019: $184,333,799Net Assets 2019: $26,780,2822019Assets 2020: $265,102,624Liabilities 2020: $235,116,666Net Assets 2020: $29,985,9582020Assets 2021: $299,736,440Liabilities 2021: $268,008,627Net Assets 2021: $31,727,8132021Assets 2022: $302,129,709Liabilities 2022: $275,791,053Net Assets 2022: $26,338,6562022Assets 2023: $298,821,651Liabilities 2023: $268,696,287Net Assets 2023: $30,125,3642023Assets 2024: $301,456,253Liabilities 2024: $268,221,367Net Assets 2024: $33,234,8862024

Highlighted filing

2016

Assets$183,526,780
Liabilities$164,110,025
Net Assets$19,416,755
Open 2016 Filing

Operations Trend

Revenue Growth36th percentile

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

$15M$10M$5.0M$0Expenses 2010: $9,334,1092010Expenses 2011: $8,580,2502011Expenses 2012: $7,409,7492012Revenue 2013: $7,922,298Expenses 2013: $7,043,422Net Income 2013: $878,8762013Revenue 2014: $7,837,861Expenses 2014: $6,749,523Net Income 2014: $1,088,3382014Revenue 2015: $8,601,050Expenses 2015: $7,510,338Net Income 2015: $1,090,7122015Revenue 2016: $8,920,263Expenses 2016: $7,699,290Net Income 2016: $1,220,9732016Revenue 2017: $10,171,321Expenses 2017: $8,404,043Net Income 2017: $1,767,2782017Revenue 2018: $10,963,536Expenses 2018: $8,722,221Net Income 2018: $2,241,3152018Revenue 2019: $11,817,089Expenses 2019: $9,010,536Net Income 2019: $2,806,5532019Revenue 2020: $12,359,441Expenses 2020: $9,493,470Net Income 2020: $2,865,9712020Revenue 2021: $11,941,664Expenses 2021: $8,657,118Net Income 2021: $3,284,5462021Revenue 2022: $11,218,832Expenses 2022: $8,418,602Net Income 2022: $2,800,2302022Revenue 2023: $12,714,227Expenses 2023: $10,523,455Net Income 2023: $2,190,7722023Revenue 2024: $13,985,321Expenses 2024: $12,138,180Net Income 2024: $1,847,1412024

Highlighted filing

2016

Revenue$8,920,263
Expenses$7,699,290
Net Income$1,220,973
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 14, 2017
Return Version
2016v3.0
Gross Receipts
$9,005,329
Mission and Program Overview

Mission

To provide financial services, such as loans, checking, and saving programs, to anyone who lives, works, or worships in the state of washington.

Provide financial services, such as loans, to anyone who lives or works in washington.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$101,919,707$113,545,511▲ $11,625,804
Investments Other Securities$20,732,484$27,339,260▲ $6,606,776
Savings and Temporary Cash Investments$27,857,565$26,089,899▼ $1,767,666
Rtn Earn Endowment Incm Other Fnds$18,475,465$19,416,755▲ $941,290
Land, Buildings, and Equipment, Net$5,270,866$6,063,588▲ $792,722
Cash and Non-Interest-Bearing Accounts$2,516,809$2,014,422▼ $502,387
Prepaid Expenses and Deferred Charges$556,748$475,150▼ $81,598
Accounts Receivable$70,148$188,732▲ $118,584
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$166,382,541$183,526,780▲ $17,144,239
Other Assets Total$7,458,214$7,810,218▲ $352,004
Liabilities
Other Liabilities$145,751,770$161,761,355▲ $16,009,585
Accounts Payable and Accrued Expenses$2,155,306$2,348,670▲ $193,364
Total Liabilities$147,907,076$164,110,025▲ $16,202,949
Net Assets / Fund Balance
Total Net Assets Fund Balance$18,475,465$19,416,755▲ $941,290
Total Liabilities and Net Assets / Fund Balance$166,382,541$183,526,780▲ $17,144,239

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,981,345$1,704,713$5,686,058
Land$1,681,008-$1,681,008
Equipment$136,961$915,558$1,052,519
Other Land Buildings$152,770$550,358$703,128
Leasehold Improvements$111,504$238,281$349,785
Other Securities$27,237,921--
Closely Held Equity Interests$101,339--
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Douglas BennettPresident & CEOFT$191,396$217,797$409,193
Steve DiklichCFOFT$100,101$51,003$151,104
Torrie RamosCOOFT$107,089$11,540$118,629

Board Members and Trustees

NameTitle
Jason GambleChairman
Brad JonesVice Chairman
James DreierDirector
Jerri BartramDirector
John CondermanDirector
Kim StoneDirector
Warren KuwaharaDirector
Gary HeilmanSecretary
Mary BallardTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv-eftCard Transaction Services255 FISERV DR, Brookfield, WI 53045$421,600
Fiserv-galaxyCore Data Processing Services255 FISERV DR, Brookfield, WI 53045$288,976
PscuCredit Card Processing560 CARILLON PARKWAY, St Petersburg, FL 33716$219,948
Haberfeld DirectDirect Mail Marketing206 S 13TH ST, Lincoln, NE 68508$180,086
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,331,733
Investment Income
$588,530
Other Revenue
$0
Change in Net Assets
$1,220,973
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,409,700
Salaries, Compensation, and Employee Benefits$3,281,590
Grants and Similar Amounts Paid$8,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,273,533
Office Expenses---$664,369
Fees for Services Other---$577,972
Occupancy---$570,057
Current Officers, Directors, Trustees, and Key Employees---$435,675
Interest---$407,750
Information Technology---$322,404
Depreciation Depletion---$293,074
Advertising---$287,261
Payroll Taxes---$228,072
Other Employee Benefits---$217,310
Pension Plan Contributions---$127,000
Fees for Services Accounting---$79,543
Other Expenses---$65,862
Conferences and Meetings---$63,381
Insurance---$48,818
All Other Expenses---$38,858
Travel---$15,732
Grants to Domestic Individuals---$8,000
Fees for Services Legal---$5,174
Total Functional Expenses$0$0$0$7,699,290
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 Shares and Deposits$161,761,355
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

“Credit union members are members of a financial cooperative. Each depositor is required to be a member.”

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

“Credit union members elect members to the board of directors at the annual meeting.”

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

“Form 990 is initially reviewed by the ceo and cfo before being presented to the board of directors for final review. The board of directors completes their final review before filing with the irs.”

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

“Board members sign an annual conflict of interest statement, which defines fiduciary duty. Management reviews all vendors for potential ownership interest by board members or related parties as part of the vendor approval process. No director, committee member, officer, or employee of the credit union may have a financial interest in any contract or transaction with the credit union unless this interest is disclosed and made known to the board of directors. No director or committee member of the credit union will participate in the deliberation of any question affecting his or her own pecuniary interest. Such director or committee member will withdraw from the deliberation and decision upon such interest.”

Form 990, Part VI, Section B, Line 15

“Industry benchmark standards as provided by thrid party compensation consultants are used annually in determining senior management compensation levels. Ceo sets officer salaries based on industry survey and peer comparison; board of directors approves ranges.”

Form 990, Part VI, Section C, Line 19

“The governing documents, conflict of interest policy, and financial statements are available to members and other interested parties of the public upon request.”

Filing and Contact Details

Filer

Filer Name
Northwest Plus Credit Union
EIN
91-0684272
Phone
4252971000
Address
2821 HEWITT AVENUE, EVERETT, WA 98201-3890

Signing Officer

Name
Steve Diklich
Title
CEO
Phone
4252971000
Signed
2017-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Doug Bennett
Formed
1938
Legal Domicile
Wa
Voting Board Members
9
Independent Board Members
9
Employees
61
Volunteers
12

Preparer

Firm
Hauser Jones & Sas Pllc
Address
10940 NE 33RD PLACE SUITE 100, BELLEVUE, WA 98004
Preparer
Roger a Jones CPA
Phone
4258891778
Raw XML AppendixShowing 400 of 476 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/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11COO
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
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IRS990/FSAuditedInd00
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IRS990/GainOrLossGrp/SecuritiesAmt020390
IRS990/GamingActivitiesInd00
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IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt020390
IRS990/GrossReceiptsAmt09005329
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InsuranceGrp/TotalAmt048818
IRS990/InterestGrp/TotalAmt0407750
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0653206
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt06063588
IRS990/LandBldgEquipCostOrOtherBssAmt09472498
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IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LoanOutstandingInd00
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IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE FINANCIAL SERVICES, SUCH AS LOANS, CHECKING, AND SAVING PROGRAMS, TO ANYONE WHO LIVES, WORKS, OR WORSHIPS IN THE STATE OF WASHINGTON.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt018475465
IRS990/NetAssetsOrFundBalancesEOYAmt019416755
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-64676
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-64676
IRS990/NetUnrelatedBusTxblIncmAmt0-10733
IRS990/NetUnrlzdGainsLossesInvstAmt0-279683
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0570057
IRS990/OfficeExpensesGrp/TotalAmt0664369
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt07458214
IRS990/OtherAssetsTotalGrp/EOYAmt07810218
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0217310
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS EXPENSES
IRS990/OtherExpensesGrp/Desc3COLLECTION EXPENSES
IRS990/OtherExpensesGrp/TotalAmt0518000
IRS990/OtherExpensesGrp/TotalAmt1359003
IRS990/OtherExpensesGrp/TotalAmt292442
IRS990/OtherExpensesGrp/TotalAmt365862
IRS990/OtherLiabilitiesGrp/BOYAmt0145751770
IRS990/OtherLiabilitiesGrp/EOYAmt0161761355
IRS990/OtherSalariesAndWagesGrp/TotalAmt02273533
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0101919707
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0113545511
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0228072
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0127000
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0556748
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0475150
IRS990/PrincipalOfficerNm0DOUG BENNETT
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04956109
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13372396
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04956109
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13375624
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt03228
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt08000
IRS990/PYInvestmentIncomeAmt0493377
IRS990/PYOtherExpensesAmt04378936
IRS990/PYOtherRevenueAmt04082
IRS990/PYProgramServiceRevenueAmt08103591
IRS990/PYRevenuesLessExpensesAmt01090712
IRS990/PYSalariesCompEmpBnftPaidAmt03123402
IRS990/PYTotalExpensesAmt07510338
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08601050
IRS990/ReconcilationRevenueExpnssAmt01220973
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt018475465
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt019416755
IRS990/SavingsAndTempCashInvstGrp/BOYAmt027857565
IRS990/SavingsAndTempCashInvstGrp/EOYAmt026089899
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03981345
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01704713
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05686058
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt0101339
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/MethodValuationCd0F
IRS990ScheduleD/EquipmentGrp/BookValueAmt0136961
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0915558
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01052519
IRS990ScheduleD/LandGrp/BookValueAmt01681008
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01681008
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0111504
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0238281
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0349785
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0152770
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0550358
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0703128
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0161761355
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt027237921
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AVAILABLE FOR SALE
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06063588
IRS990ScheduleD/TotalBookValueSecuritiesAmt027339260
IRS990ScheduleD/TotalLiabilityAmt0161761355
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt08000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0COLLEGE SCHOLARSHIPS
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0ALL SCHOLARSHIP WINNERS MUST FILL OUT A SCHOLARSHIP AWARD FORM DETAILING THEIR SCHOOL THEY WILL BE ATTENDING ALONG WITH THE ADDRESS THAT THE CHECK MUST BE SENT TO. OUR AVP MARKETING CREATES LETTERS TO EACH SCHOOL INSTRUCTING THE SCHOOL TO PUT THE FUNDS INTO THE STUDENTS' ACCOUNTS TO BE USED FOR THEIR NEEDS DURING THE SCHOOL YEAR.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0191396
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1100101
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount016107
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount140000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0189409
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt14353
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt011261
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt15630
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt01020
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt11020
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DOUGLAS BENNETT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1STEVE DIKLICH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0409193
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1151104
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION ENTERED INTO A DEFERRED COMPENSATION AGREEMENT UNDER IRC SECTION 457(F) WITH A SENIOR OFFICER ON OCTOBER 17, 2001. UNDER THE AMENDED HE WILL RECEIVE A LUMP-SUM BENEFIT DISTRIBUTION OF $1,148,114. IF THE VOLUNTARILY SEPARATED FOR GOOD REASON PRIOR TO ALL OF THE PROMISED PLAN EQUAL TO THE ACCRUED LIABILITY BALANCE OF THE OFFICER'S 457(F) ACCOUNT AT PLAN, IF THE OFFICER IS EMPLOYED BY THE CREDIT UNION ON HIS 68TH BIRTHDAY, OFFICER WERE TO BECOME DISABLED, INVOLUNTARILY TERMINATED WITHOUT CAUSE, OR DISTRIBUTIONS BEING MADE, THE CREDIT UNION WOULD PAY THE OFFICER A BENEFIT THE TIME OF TERMINATION. THE PAYMENT OF THE ACCRUED BALANCE WILL BE MADE IN A LUMP SUM AND THE PLAN SHALL TERMINATE. THE RELATED LIABILITY WAS $754,564 AND $576,627 AT DECEMBER 31, 2016 AND 2015, RESPECTIVELY. IF THE OFFICER WERE TO DIE WHILE ACTIVELY EMPLOYED WITH THE CREDIT UNION AND PRIOR TO THE PROMISED PLAN DISTRIBUTION BEING MADE, THE OFFICER'S BENEFICIARY WOULD RECEIVE A LUMP ]SUM DISTRIBUTION EQUAL TO THE TARGET RETIREMENT AGE DISTRIBUTION. IF THE OFFICER LEAVES THE CREDIT UNION VOLUNTARILY, OR IS TERMINATED FOR CAUSE PRIOR TO REACHING THE DISTRIBUTION DATE, ALL REMAINING BENEFITS WILL BE FORFEITED.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CREDIT UNION MEMBERS ARE MEMBERS OF A FINANCIAL COOPERATIVE. EACH DEPOSITOR IS REQUIRED TO BE A MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION MEMBERS ELECT MEMBERS TO THE BOARD OF DIRECTORS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 IS INITIALLY REVIEWED BY THE CEO AND CFO BEFORE BEING PRESENTED TO THE BOARD OF DIRECTORS FOR FINAL REVIEW. THE BOARD OF DIRECTORS COMPLETES THEIR FINAL REVIEW BEFORE FILING WITH THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD MEMBERS SIGN AN ANNUAL CONFLICT OF INTEREST STATEMENT, WHICH DEFINES FIDUCIARY DUTY. MANAGEMENT REVIEWS ALL VENDORS FOR POTENTIAL OWNERSHIP INTEREST BY BOARD MEMBERS OR RELATED PARTIES AS PART OF THE VENDOR APPROVAL PROCESS. NO DIRECTOR, COMMITTEE MEMBER, OFFICER, OR EMPLOYEE OF THE CREDIT UNION MAY HAVE A FINANCIAL INTEREST IN ANY CONTRACT OR TRANSACTION WITH THE CREDIT UNION UNLESS THIS INTEREST IS DISCLOSED AND MADE KNOWN TO THE BOARD OF DIRECTORS. NO DIRECTOR OR COMMITTEE MEMBER OF THE CREDIT UNION WILL PARTICIPATE IN THE DELIBERATION OF ANY QUESTION AFFECTING HIS OR HER OWN PECUNIARY INTEREST. SUCH DIRECTOR OR COMMITTEE MEMBER WILL WITHDRAW FROM THE DELIBERATION AND DECISION UPON SUCH INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4INDUSTRY BENCHMARK STANDARDS AS PROVIDED BY THRID PARTY COMPENSATION CONSULTANTS ARE USED ANNUALLY IN DETERMINING SENIOR MANAGEMENT COMPENSATION LEVELS. CEO SETS OFFICER SALARIES BASED ON INDUSTRY SURVEY AND PEER COMPARISON; BOARD OF DIRECTORS APPROVES RANGES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO MEMBERS AND OTHER INTERESTED PARTIES OF THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$183,526,780
Liabilities
$164,110,025
Net assets
$19,416,755
Revenue
$8,920,263
Expenses
$7,699,290
Net income
$1,220,973
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$301$268$33.2$14.0$12.1$1.85
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$299$269$30.1$12.7$10.5$2.19
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$302$276$26.3$11.2$8.42$2.80
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$300$268$31.7$11.9$8.66$3.28
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$265$235$30.0$12.4$9.49$2.87
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$211$184$26.8$11.8$9.01$2.81
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$199$176$23.3$11.0$8.72$2.24
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$192$171$21.3$10.2$8.40$1.77
2016Detailed filing. Detailed filing data is available for this year.$184$164$19.4$8.92$7.70$1.22
2015Detailed filing. Detailed filing data is available for this year.$166$148$18.5$8.60$7.51$1.09
2014Detailed filing. Detailed filing data is available for this year.$157$139$17.4$7.84$6.75$1.09
2013Detailed filing. Detailed filing data is available for this year.$151$135$15.8$7.92$7.04$0.88
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$156$140$16.0$7.41
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$148$134$14.4$8.58
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$146$133$12.7$9.33