Liabilities / Assets
84th percentile
Higher debt load relative to assets than 84% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.91x
Liabilities / Revenue
55th percentile
Higher debt load relative to revenue than 55% of similar nonprofits.
Net Margin
67th percentile
Higher net margin than 67% of similar nonprofits.
Top Officer Pay
54th percentile
Higher top officer pay than 54% of similar nonprofits.
Top officer pay equals 5.6% of source-year revenue.
Asset Growth
80th percentile
Faster asset growth than 80% of similar nonprofits.
Revenue Growth
39th percentile
Faster revenue growth than 39% of similar nonprofits.
Balance Sheet
Assets
Up$53,183,482
Up $3,495,655 (+7.0%) from 2015
Net Assets
Up$4,530,407
Up $383,313 (+9.2%) from 2015
Liabilities
Up$48,653,075
Up $3,112,342 (+6.8%) from 2015
Revenue And Expenses
Revenue
Up$2,495,503
Up $55,818 (+2.3%) from 2015
Expenses
Down$2,167,351
Down $11,172 (-0.5%) from 2015
Net Income
Up$328,152
Up $66,990 (+26%) from 2015
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2016 to Dec 31, 2016
- Signed
- Nov 15, 2017
- Return Version
- 2016v3.0
- Gross Receipts
- $2,495,503
Mission and Program Overview
Mission
Building lifelong financial success, one member at a time.
We meet our member's financial needs by providing competitive, convenient resources and products delivered in a friendly, caring atmosphere.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $34,305,738 | $36,217,067 | ▲ $1,911,329 |
| Investments Other Securities | $4,321,967 | $9,835,708 | ▲ $5,513,741 |
| Rtn Earn Endowment Incm Other Fnds | $4,147,094 | $4,530,407 | ▲ $383,313 |
| Savings and Temporary Cash Investments | $5,418,007 | $3,109,223 | ▼ $2,308,784 |
| Investments in Publicly Traded Securities | $1,950,000 | $0 | ▼ $1,950,000 |
| Receivables From Officers Etc | $820,534 | $1,008,149 | ▲ $187,615 |
| Cash and Non-Interest-Bearing Accounts | $556,772 | $635,700 | ▲ $78,928 |
| Investments Program Related | $528,348 | $550,474 | ▲ $22,126 |
| Land, Buildings, and Equipment, Net | $360,382 | $331,687 | ▼ $28,695 |
| Accounts Receivable | $96,152 | $96,025 | ▼ $127 |
| Prepaid Expenses and Deferred Charges | $43,061 | $81,978 | ▲ $38,917 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $49,687,827 | $53,183,482 | ▲ $3,495,655 |
| Other Assets Total | $1,286,866 | $1,317,471 | ▲ $30,605 |
| Liabilities | |||
| Other Liabilities | $45,226,339 | $48,272,547 | ▲ $3,046,208 |
| Accounts Payable and Accrued Expenses | $314,394 | $380,528 | ▲ $66,134 |
| Total Liabilities | $45,540,733 | $48,653,075 | ▲ $3,112,342 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $4,147,094 | $4,530,407 | ▲ $383,313 |
| Total Liabilities and Net Assets / Fund Balance | $49,687,827 | $53,183,482 | ▲ $3,495,655 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Leasehold Improvements | $51,584 | $328,411 | $379,995 |
| Buildings | $106,758 | $271,156 | $377,914 |
| Equipment | $37,299 | $256,376 | $293,675 |
| Land | $130,000 | - | $130,000 |
| Other Land Buildings | $6,046 | $87,721 | $93,767 |
| Other Securities | $9,835,708 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Steven J Ellis | President/CEO | FT | $126,923 | $11,747 | $138,670 |
| Gordon Browning | VP of Operations/is | FT | $89,300 | $14,949 | $104,249 |
| Carlene Hoff | VP of Lending | FT | $70,913 | $9,474 | $80,387 |
Board Members and Trustees
| Name | Title |
|---|---|
| Jeff Clarke | Board Chair |
| Shelia Postle | Vice Chair |
| Bernard Myers | Board Member |
| Daniel Thompson | Board Member |
| Jim Greico | Board Member |
| Steve Torrence | Secretary |
| Heidi Percy | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $2,314,560
- Investment Income
- $173,937
- Other Revenue
- $7,006
- Change in Net Assets
- $328,152
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $2,495,503
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Total Revenue per Audited Statements
- $2,495,503
- Total Revenue per Form 990
- $2,495,503
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $1,175,341 |
| Salaries, Compensation, and Employee Benefits | $992,010 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $489,384 |
| Information Technology | - | - | - | $312,579 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $287,137 |
| Other Employee Benefits | - | - | - | $97,591 |
| Office Expenses | - | - | - | $86,180 |
| Payroll Taxes | - | - | - | $67,130 |
| Occupancy | - | - | - | $65,340 |
| Pension Plan Contributions | - | - | - | $50,768 |
| Other Expenses | - | - | - | $47,285 |
| Advertising | - | - | - | $35,414 |
| Depreciation Depletion | - | - | - | $31,274 |
| Conferences and Meetings | - | - | - | $29,883 |
| Insurance | - | - | - | $23,489 |
| Fees for Services Other | - | - | - | $19,711 |
| Fees for Services Accounting | - | - | - | $15,834 |
| Fees for Services Management | - | - | - | $7,440 |
| Fees for Services Legal | - | - | - | $1,687 |
| Interest | - | - | - | $38 |
| Total Functional Expenses | $0 | $0 | $0 | $2,167,351 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $2,167,351 |
| Total Expenses per Audited Statements | $2,167,351 |
| Total Expenses per Form 990 | $2,167,351 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $820,534 | $1,008,149 | ▲ $187,615 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Shares and Deposits | $48,272,547 |
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
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“The credit union has a membership of 6,372 members.”
Form 990, Part VI, Section A, Line 7A
“The credit union's membership elects the board of directors and supervisory committee members.”
Form 990, Part VI, Section A, Line 7B
“Members approve/elect the board of directors. In addition, changes to the state charter and other governing documents are also approved by membership.”
Form 990, Part VI, Section B, Line 11B
“Form 990 is reviewed and audited by the vp of operations and the president/ceo of the credit union. Form 990 is then provided to the board of directors via e-mail before the return is filed with the irs.”
Form 990, Part VI, Section B, Line 12C
“All officers, directors and employees are required to annually update a conflict of interest questionnaire. Employees are hired and continue their employment with the understanding that our credit union is their primary employer and that other employment or business involvement which conflicts with our business interests or the interests of our members is strictly prohibited. If an activity is contemplated which could result in a real or perceived conflict of interest, the employee must make full disclosure of the activity to management for prior review and approval. The guidelines established in our personnel policy are taken very seriously. Employees who breach or disregard the conflict of interest/ethics policy will be subject to corrective action including termination.”
Form 990, Part VI, Section B, Line 15
“The board of directors appoints a compensation committee. The compensation committee reviews the annual compensation salary surveys from cuna and other information and makes recommendations to the board of directors regarding annual salary and incentives/bonuses. The board of directors reviews recommendations by the compensation committee and approves the ceo's compensation annually. The president/ceo utilizes the annual compensation salary surveys from cuna and other information to set salaries for other officers of the credit union.”
Form 990, Part VI, Section C, Line 19
“Governing documents are available to the public upon request.”
Filing and Contact Details
Filer
- Filer Name
- Snocope Credit Union
- EIN
- 91-0729043
- Phone
- 4253883481
- Address
- 3130 ROCKEFELLER AVE, EVERETT, WA 98201
Signing Officer
- Name
- Steven J Ellis
- Title
- President/CEO
- Phone
- 4253883481
- Signed
- 2017-11-15
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Steven J Ellis
- Formed
- 1959
- Legal Domicile
- Wa
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 18
- 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
Supplemental Narrative
Additional Explanations
Form 990, Part I, Line 6
“The seven board members attend monthly meetings, approximately 1-2 hours per month and attend occasional educational seminars and conferences. The five supervisory committee members attend monthly meetings, approximately 1-1 1/2 hours per month and also attend training as required under bsa regulations. The credit union supervisory committee assists the board of directors in fulfilling its oversight including, but not limited to: the integrity of the credit union's financial statements, the qualifications and independence of the internal audit function, and the performance of the credit union's independent audit function.”
Form 990, Part V - Additional Information
“Form 1096 and all related forms were filed under ein 91-6333244.”
Raw XML AppendixShowing 400 of 423 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/AccountsReceivableGrp/EOYAmt | 0 | 96025 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | WE MEET OUR MEMBER'S FINANCIAL NEEDS BY PROVIDING COMPETITIVE, CONVENIENT RESOURCES AND PRODUCTS DELIVERED IN A FRIENDLY, CARING ATMOSPHERE. |
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| IRS990/BackupWthldComplianceInd | 0 | 1 |
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| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4253883481 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3130 ROCKEFELLER AVE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | EVERETT |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | WA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 98201 |
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| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 635700 |
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| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
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| IRS990/CYOtherRevenueAmt | 0 | 7006 |
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| IRS990/CYTotalRevenueAmt | 0 | 2495503 |
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| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
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| IRS990/Desc | 0 | PROVIDING DEPOSITORY AND LENDING SERVICES TO OUR FIELD OF MEMBERSHIP. DURING 2016 THE CREDIT UNION GRANTED 843 LOANS TOTALING $9,671,949 TO MEMBERS OF THE CREDT UNION. AT THE END OF 2016, THE CREDIT UNION HAD 6,372 MEMBERS. |
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| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 18 |
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| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 7440 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 19711 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 9474 |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JEFF CLARKE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | JIM GREICO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | BERNARD MYERS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | HEIDI PERCY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | SHELIA POSTLE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | STEVEN J ELLIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | GORDON BROWNING |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | CARLENE HOFF |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | VP OF OPERATIONS/IS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | VP OF LENDING |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1959 |
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| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
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| IRS990/GrantsToOrganizationsInd | 0 | 0 |
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| IRS990/GrossReceiptsAmt | 0 | 2495503 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
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| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 173937 |
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| IRS990/IndependentVotingMemberCnt | 0 | 7 |
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| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartVInd | 0 | X |
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| IRS990/InsuranceGrp/TotalAmt | 0 | 23489 |
| IRS990/InterestGrp/TotalAmt | 0 | 38 |
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| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 9835708 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 528348 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 550474 |
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| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 8 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
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| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 331687 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1275351 |
| IRS990/LegalDomicileStateCd | 0 | WA |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | WE MEET OUR MEMBER'S FINANCIAL NEEDS BY PROVIDING COMPETITIVE, CONVENIENT RESOURCES AND PRODUCTS DELIVERED IN A FRIENDLY, CARING ATMOSPHERE. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 4147094 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 4530407 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -11298 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 55161 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 65340 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 86180 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1286866 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1317471 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 97591 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOAN ORIGINATION & SERV |
| IRS990/OtherExpensesGrp/Desc | 1 | MEMBER SERVICING FEES |
| IRS990/OtherExpensesGrp/Desc | 2 | DIVIDENDS PAID TO MEMBE |
| IRS990/OtherExpensesGrp/Desc | 3 | OTHER EXPENSES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 226635 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 192562 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 79990 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 47285 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 45226339 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 48272547 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 524298 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | INSURANCE & WARRANTY I |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 7006 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 7006 |
| IRS990/OtherRevenueTotalAmt | 0 | 7006 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 489384 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 34305738 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 36217067 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 67130 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 50768 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 43061 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 81978 |
| IRS990/PrincipalOfficerNm | 0 | STEVEN J ELLIS |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522200 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 4 | 525990 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES & CHARGES |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | CREDIT/DEBIT CARD INTE |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | ATM FEES & CHARGES TO |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1757787 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 263809 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 252838 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 33996 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1757787 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 263809 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 252838 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 33996 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 5040 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 5040 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 205144 |
| IRS990/PYOtherExpensesAmt | 0 | 1163700 |
| IRS990/PYOtherRevenueAmt | 0 | 4950 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2229591 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 261162 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1014823 |
| IRS990/PYTotalExpensesAmt | 0 | 2178523 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 2439685 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 820534 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 1008149 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 328152 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 4147094 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 4530407 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 5418007 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3109223 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 106758 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 271156 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 377914 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 37299 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 256376 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 293675 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 2167351 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 130000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 130000 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 51584 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 328411 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 379995 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 6046 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 87721 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 93767 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 48272547 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES AND DEPOSITS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 9835708 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | CERTIFICATES OF DEPOSIT |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 2495503 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 331687 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 9835708 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 2167351 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 48272547 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 2495503 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 2495503 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 2167351 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 1008149 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | SPLIT DOLLAR LIFE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | STEVEN J ELLIS |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | PRESIDENT/CEO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | 1 |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 1008149 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE SEVEN BOARD MEMBERS ATTEND MONTHLY MEETINGS, APPROXIMATELY 1-2 HOURS PER MONTH AND ATTEND OCCASIONAL EDUCATIONAL SEMINARS AND CONFERENCES. THE FIVE SUPERVISORY COMMITTEE MEMBERS ATTEND MONTHLY MEETINGS, APPROXIMATELY 1-1 1/2 HOURS PER MONTH AND ALSO ATTEND TRAINING AS REQUIRED UNDER BSA REGULATIONS. THE CREDIT UNION SUPERVISORY COMMITTEE ASSISTS THE BOARD OF DIRECTORS IN FULFILLING ITS OVERSIGHT INCLUDING, BUT NOT LIMITED TO: THE INTEGRITY OF THE CREDIT UNION'S FINANCIAL STATEMENTS, THE QUALIFICATIONS AND INDEPENDENCE OF THE INTERNAL AUDIT FUNCTION, AND THE PERFORMANCE OF THE CREDIT UNION'S INDEPENDENT AUDIT FUNCTION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | FORM 1096 AND ALL RELATED FORMS WERE FILED UNDER EIN 91-6333244. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE CREDIT UNION HAS A MEMBERSHIP OF 6,372 MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE CREDIT UNION'S MEMBERSHIP ELECTS THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | MEMBERS APPROVE/ELECT THE BOARD OF DIRECTORS. IN ADDITION, CHANGES TO THE STATE CHARTER AND OTHER GOVERNING DOCUMENTS ARE ALSO APPROVED BY MEMBERSHIP. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | FORM 990 IS REVIEWED AND AUDITED BY THE VP OF OPERATIONS AND THE PRESIDENT/CEO OF THE CREDIT UNION. FORM 990 IS THEN PROVIDED TO THE BOARD OF DIRECTORS VIA E-MAIL BEFORE THE RETURN IS FILED WITH THE IRS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | ALL OFFICERS, DIRECTORS AND EMPLOYEES ARE REQUIRED TO ANNUALLY UPDATE A CONFLICT OF INTEREST QUESTIONNAIRE. EMPLOYEES ARE HIRED AND CONTINUE THEIR EMPLOYMENT WITH THE UNDERSTANDING THAT OUR CREDIT UNION IS THEIR PRIMARY EMPLOYER AND THAT OTHER EMPLOYMENT OR BUSINESS INVOLVEMENT WHICH CONFLICTS WITH OUR BUSINESS INTERESTS OR THE INTERESTS OF OUR MEMBERS IS STRICTLY PROHIBITED. IF AN ACTIVITY IS CONTEMPLATED WHICH COULD RESULT IN A REAL OR PERCEIVED CONFLICT OF INTEREST, THE EMPLOYEE MUST MAKE FULL DISCLOSURE OF THE ACTIVITY TO MANAGEMENT FOR PRIOR REVIEW AND APPROVAL. THE GUIDELINES ESTABLISHED IN OUR PERSONNEL POLICY ARE TAKEN VERY SERIOUSLY. EMPLOYEES WHO BREACH OR DISREGARD THE CONFLICT OF INTEREST/ETHICS POLICY WILL BE SUBJECT TO CORRECTIVE ACTION INCLUDING TERMINATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE BOARD OF DIRECTORS APPOINTS A COMPENSATION COMMITTEE. THE COMPENSATION COMMITTEE REVIEWS THE ANNUAL COMPENSATION SALARY SURVEYS FROM CUNA AND OTHER INFORMATION AND MAKES RECOMMENDATIONS TO THE BOARD OF DIRECTORS REGARDING ANNUAL SALARY AND INCENTIVES/BONUSES. THE BOARD OF DIRECTORS REVIEWS RECOMMENDATIONS BY THE COMPENSATION COMMITTEE AND APPROVES THE CEO'S COMPENSATION ANNUALLY. THE PRESIDENT/CEO UTILIZES THE ANNUAL COMPENSATION SALARY SURVEYS FROM CUNA AND OTHER INFORMATION TO SET SALARIES FOR OTHER OFFICERS OF THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | GOVERNING DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART I, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART V - ADDITIONAL INFORMATION |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 49687827 |
| IRS990/TotalAssetsEOYAmt | 0 | 53183482 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 49687827 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 53183482 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 18 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2167351 |
| IRS990/TotalGrossUBIAmt | 0 | 12046 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 45540733 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 48653075 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 45540733 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 48653075 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 4147094 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 4530407 |
| IRS990/TotalOtherCompensationAmt | 0 | 36170 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1090 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 1090 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 2314560 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 287136 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2483457 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2495503 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 12046 |
| IRS990/TotalVolunteersCnt | 0 | 12 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 49687827 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 53183482 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 3130 ROCKEFELLER AVE |
| IRS990/USAddress/CityNm | 0 | EVERETT |
| IRS990/USAddress/StateAbbreviationCd | 0 | WA |
| IRS990/USAddress/ZIPCd | 0 | 98201 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.SNOCOPE.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | 1 |
| ReturnHeader/BuildTS | 0 | 2017-02-10 21:41:12Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | STEVEN J ELLIS |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT/CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4253883481 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2017-11-15 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | SNOCOPE CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | SNOC |
| ReturnHeader/Filer/EIN | 0 | 910729043 |
| ReturnHeader/Filer/PhoneNum | 0 | 4253883481 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 3130 ROCKEFELLER AVE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | EVERETT |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $53,183,482
- Liabilities
- $48,653,075
- Net assets
- $4,530,407
- Revenue
- $2,495,503
- Expenses
- $2,167,351
- Net income
- $328,152