Civic Intelligence

Central Willamette Com Credit Union

990 • Fiscal year 2016 • EIN 93-0496543

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 02, 2017

Organization ProfileWWW.CENTRALWCU.ORG

View Organization Page

PO Box 1899Albany, OR 97321

(541) 917-6801

Siviq Scores

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

Liabilities / Assets

68th percentile

0.91x

Higher debt load relative to assets than 68% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

49th percentile

18.18x

Higher debt load relative to revenue than 49% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

79th percentile

18%

Higher net margin than 79% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

16th percentile

$267,209

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

55th percentile

6.5%

Faster asset growth than 55% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

33rd percentile

4.8%

Faster revenue growth than 33% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$260,127,406

Up $15,979,952 (+6.5%) from 2015

Net Assets

Up

$24,322,966

Up $2,450,304 (+11%) from 2015

Liabilities

Up

$235,804,440

Up $13,529,648 (+6.1%) from 2015

Revenue And Expenses
Liabilities / Revenue49th percentileNet Margin79th percentile

Revenue

Up

$12,970,246

Up $592,507 (+4.8%) from 2015

Expenses

Down

$10,589,335

Down $116,932 (-1.1%) from 2015

Net Income

Up

$2,380,911

Up $709,439 (+42%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth55th percentile

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

$600M$400M$200M$0Assets 2010: $202,177,485Liabilities 2010: $187,650,529Net Assets 2010: $14,526,9562010Assets 2011: $207,802,621Liabilities 2011: $192,218,482Net Assets 2011: $15,584,1392011Assets 2012: $218,906,504Liabilities 2012: $201,696,865Net Assets 2012: $17,209,6392012Assets 2013: $221,882,410Liabilities 2013: $203,255,899Net Assets 2013: $18,626,5112013Assets 2014: $229,695,606Liabilities 2014: $209,148,940Net Assets 2014: $20,546,6662014Assets 2015: $244,147,454Liabilities 2015: $222,274,792Net Assets 2015: $21,872,6622015Assets 2016: $260,127,406Liabilities 2016: $235,804,440Net Assets 2016: $24,322,9662016Assets 2017: $283,827,303Liabilities 2017: $257,037,395Net Assets 2017: $26,789,9082017Assets 2018: $312,231,135Liabilities 2018: $283,430,052Net Assets 2018: $28,801,0832018Assets 2019: $338,302,075Liabilities 2019: $305,524,158Net Assets 2019: $32,777,9172019Assets 2020: $410,642,473Liabilities 2020: $373,599,922Net Assets 2020: $37,042,5512020Assets 2021: $480,185,981Liabilities 2021: $439,261,467Net Assets 2021: $40,924,5142021Assets 2022: $515,430,336Liabilities 2022: $478,987,695Net Assets 2022: $36,442,6412022Assets 2023: $519,423,795Liabilities 2023: $477,089,370Net Assets 2023: $42,334,4252023Assets 2024: $593,071,859Liabilities 2024: $544,851,611Net Assets 2024: $48,220,2482024

Highlighted filing

2016

Assets$260,127,406
Liabilities$235,804,440
Net Assets$24,322,966
Open 2016 Filing

Operations Trend

Revenue Growth33rd percentile

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

$40M$30M$20M$10M$0Expenses 2010: $12,267,4182010Expenses 2011: $10,981,1632011Expenses 2012: $10,262,8112012Revenue 2013: $11,723,806Expenses 2013: $10,096,447Net Income 2013: $1,627,3592013Revenue 2014: $11,568,965Expenses 2014: $10,299,880Net Income 2014: $1,269,0852014Revenue 2015: $12,377,739Expenses 2015: $10,706,267Net Income 2015: $1,671,4722015Revenue 2016: $12,970,246Expenses 2016: $10,589,335Net Income 2016: $2,380,9112016Revenue 2017: $14,660,941Expenses 2017: $12,180,956Net Income 2017: $2,479,9852017Revenue 2018: $16,430,473Expenses 2018: $14,387,863Net Income 2018: $2,042,6102018Revenue 2019: $19,764,575Expenses 2019: $15,910,247Net Income 2019: $3,854,3282019Revenue 2020: $19,246,357Expenses 2020: $15,450,045Net Income 2020: $3,796,3122020Revenue 2021: $21,128,813Expenses 2021: $15,539,374Net Income 2021: $5,589,4392021Revenue 2022: $25,725,776Expenses 2022: $18,813,531Net Income 2022: $6,912,2452022Revenue 2023: $29,955,433Expenses 2023: $24,930,172Net Income 2023: $5,025,2612023Revenue 2024: $36,821,870Expenses 2024: $33,796,530Net Income 2024: $3,025,3402024

Highlighted filing

2016

Revenue$12,970,246
Expenses$10,589,335
Net Income$2,380,911
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 2, 2017
Return Version
2016v3.0
Gross Receipts
$13,015,246
Mission and Program Overview

Mission

To provide responsible, attractive savings and loan programs and other services common to the financial welfare of its members. To conduct the services in a professional, personal, efficient, and competitive manner consistent with sound financial and business practice.

To provide financial products and services to our membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$175,277,390$196,226,781▲ $20,949,391
Savings and Temporary Cash Investments$37,658,054$32,319,403▼ $5,338,651
Rtn Earn Endowment Incm Other Fnds$21,872,662$24,322,966▲ $2,450,304
Investments in Publicly Traded Securities$14,345,679$15,374,943▲ $1,029,264
Land, Buildings, and Equipment, Net$8,996,709$9,023,836▲ $27,127
Cash and Non-Interest-Bearing Accounts$3,413,659$2,630,718▼ $782,941
Investments Other Securities$1,194,674$934,892▼ $259,782
Prepaid Expenses and Deferred Charges$477,399$581,701▲ $104,302
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$244,147,454$260,127,406▲ $15,979,952
Other Assets Total$2,783,890$3,035,132▲ $251,242
Liabilities
Other Liabilities$220,537,036$233,631,176▲ $13,094,140
Accounts Payable and Accrued Expenses$1,692,785$2,121,993▲ $429,208
Escrow Account Liability$44,971$51,271▲ $6,300
Total Liabilities$222,274,792$235,804,440▲ $13,529,648
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,872,662$24,322,966▲ $2,450,304
Total Liabilities and Net Assets / Fund Balance$244,147,454$260,127,406▲ $15,979,952

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,241,093$3,368,605$9,609,698
Equipment$528,244$3,632,661$4,160,905
Land$1,817,584-$1,817,584
Leasehold Improvements$436,915$513,861$950,776
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stacie Wyss-SchoenbornCEOFT$211,294$55,915$267,209
Rachel WolfeCOOFT$125,638$11,025$136,663
Audrey StephensVice President - Branch ServicesFT$101,670$10,013$111,683
Rebecca TolentinoVice President - Real EstateFT$100,262$10,443$110,705
Grady CorrCIOFT$102,661$6,516$109,177
Amanda LungerCMOFT$104,532$4,290$108,822
Greg BrunsCFOFT$66,492$3,486$69,978
Jeff ChristmanCFO (Until Sept 2016)FT$57,479$5,123$62,602

Board Members and Trustees

NameTitle
Jim HealyChairman
James DenhamVice Chairman
Brian RowsonDirector
Carolina MarquetteDirector
Forrest BarnesDirector
Len HainzDirector
Martha LyonDirector
Tom CutsforthDirector
Dan BedoreSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Vantiv Holdings LLCDebit/atm Processing38 FOUNTAIN SQUARE PLAZA, Cincinnati, OH 45202$663,870
Q2 EBankingOnline And Mobile Banking ServicePO Box 205970, Dallas, TX 95320$326,244
CorelationCore banking service2305 Historic Decatur Rd Ste 300, San Diego, CA 92106$320,250
Cappelli MilesMarketing2260 OAKMONT WAY 7, Eugene, OR 97401$191,670
Fiservecore banking servicePO Box 99924, Grapevine, TX 76099$181,482
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,108,359
Investment Income
$429,171
Other Revenue
$432,716
Change in Net Assets
$2,380,911
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,405,471
Salaries, Compensation, and Employee Benefits$5,170,544
Grants and Similar Amounts Paid$13,320
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,959,099
Office Expenses---$573,670
Depreciation Depletion---$552,409
Occupancy---$480,344
Current Officers, Directors, Trustees, and Key Employees---$399,788
Other Employee Benefits---$382,788
Interest---$371,831
Information Technology---$370,489
Payroll Taxes---$354,613
Fees for Services Other---$262,406
Advertising---$247,745
All Other Expenses---$230,711
Fees for Services Legal---$86,462
Insurance---$80,102
Pension Plan Contributions---$74,256
Conferences and Meetings---$66,690
Other Expenses---$45,186
Fees for Services Accounting---$38,180
Grants to Domestic Orgs---$13,320
Total Functional Expenses$0$0$0$10,589,335
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' SHARES$233,631,176
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 credit union has members.”

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

“Each credit union member has one vote towards the election of the credit union's governing body.”

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

“Form 990 is made available for review by the board at regularly scheduled meetings after the form is filed. The credit union's ceo is provided with a copy of form 990 prior to filing.”

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

“Annually, employees must review the credit union's conflict of interest policy and sign a statement that they have read the policy. The compliance officer of the credit union conducts staff meetings to review the policy and answer any questions. The compliance officer also reviews the policy with the board of directors. Employee and director transactions are monitored by the credit union's internal auditor for any possible conflicts.”

Form 990, Part VI, Section B, line 15

“The ceo's compensation is reviewed by the credit union's ceo review committee. The committee makes recommendations to the board of directors. The board makes the final determination. Key employees have their compensation reviewed by the ceo. In all cases, industry compensation surveys and local data are used to determine individual amounts. The credit union also has policies in the employee manual which cover compensation, performance reviews and incentives. Ceo compensation was last reviewed december 2016. Key employee compensation analysis was last conducted in june 2016.”

Form 990, Part VI, Section C, line 19

“Monthly financial statements are posted in the lobby of each branch office. Other governing documents and conflict of interest policies are made available to the public upon written request.”

Filing and Contact Details

Filer

Filer Name
Central Willamette Community Credit
EIN
93-0496543
Phone
5419176801
Address
PO Box 1899, Albany, OR 97321

Signing Officer

Name
Stacie Wyss-schoenborn
Title
President/CEO
Phone
5419176801
Signed
2017-11-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Stacie Wyss-schoenborn
Formed
1955
Legal Domicile
Or
Voting Board Members
9
Independent Board Members
9
Employees
117
Volunteers
12

Preparer

Firm
Moss Adams LLP
Address
805 SW Broadway Ste 1200, Portland, OR 97205
Preparer
Wendy L Campos
Phone
5032421447
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“passthrough income BOOK/TAX 96,951.”

Form 990, Part IV, Line 12A and Part XII, Line 2B:

“The credit union does receive consolidated financial statements in accordance with GAAP, but in compliance with IRS instructions, since Form 990 is prepared on a calendar year and the financial statements are audited on a fiscal year, these questions must be answered no.”

Financial Statement Notes

Part IV, Line 2B:

“Escrow accounts for member mortgage loans.”

Raw XML AppendixShowing 400 of 522 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/Desc0Central Willamette Community Credit Union services 26,322 members of our community with diverse financial products and services. During the year we granted a total of 5,096 loans worth $88,392,326 to our members. We have a total loan portfolio of 14,009 loans worth $197,561,976. The credit union maintains 47,533 accounts for our members worth $233,682,450. The credit union employs 80 individuals from our community.
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IRS990/Form990PartVIISectionAGrp/PersonNm0Jim Healy
IRS990/Form990PartVIISectionAGrp/PersonNm1James Denham
IRS990/Form990PartVIISectionAGrp/PersonNm2Dan Bedore
IRS990/Form990PartVIISectionAGrp/PersonNm3Forrest Barnes
IRS990/Form990PartVIISectionAGrp/PersonNm4Tom Cutsforth
IRS990/Form990PartVIISectionAGrp/PersonNm5Len Hainz
IRS990/Form990PartVIISectionAGrp/PersonNm6Martha Lyon
IRS990/Form990PartVIISectionAGrp/PersonNm7Carolina Marquette
IRS990/Form990PartVIISectionAGrp/PersonNm8Brian Rowson
IRS990/Form990PartVIISectionAGrp/PersonNm9Stacie Wyss-Schoenborn
IRS990/Form990PartVIISectionAGrp/PersonNm10Greg Bruns
IRS990/Form990PartVIISectionAGrp/PersonNm11Jeff Christman
IRS990/Form990PartVIISectionAGrp/PersonNm12Rachel Wolfe
IRS990/Form990PartVIISectionAGrp/PersonNm13Amanda Lunger
IRS990/Form990PartVIISectionAGrp/PersonNm14Grady Corr
IRS990/Form990PartVIISectionAGrp/PersonNm15Audrey Stephens
IRS990/Form990PartVIISectionAGrp/PersonNm16Rebecca Tolentino
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9251744
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1066492
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1157479
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12125638
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13104532
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14102661
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15101670
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16100262
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/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO (Until Sept 2016)
IRS990/Form990PartVIISectionAGrp/TitleTxt12COO
IRS990/Form990PartVIISectionAGrp/TitleTxt13CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt14CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt15Vice President - Branch Services
IRS990/Form990PartVIISectionAGrp/TitleTxt16Vice President - Real Estate
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0-45000
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticOrgsGrp/TotalAmt013320
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt013015246
IRS990/GrossRentsGrp/RealAmt07587
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0370489
IRS990/InsuranceGrp/TotalAmt080102
IRS990/InterestGrp/TotalAmt0371831
IRS990/InvestmentIncomeGrp/ExclusionAmt0474171
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0474171
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01194674
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0934892
IRS990/InvestmentsPubTradedSecGrp/BOYAmt014345679
IRS990/InvestmentsPubTradedSecGrp/EOYAmt015374943
IRS990/IRPDocumentCnt05175
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07515127
IRS990/LandBldgEquipBasisNetGrp/BOYAmt08996709
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09023836
IRS990/LandBldgEquipCostOrOtherBssAmt016538963
IRS990/LegalDomicileStateCd0OR
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt045000
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE RESPONSIBLE, ATTRACTIVE SAVINGS AND LOAN PROGRAMS AND OTHER SERVICES COMMON TO THE FINANCIAL WELFARE OF ITS MEMBERS. TO CONDUCT THE SERVICES IN A PROFESSIONAL, PERSONAL, EFFICIENT, AND COMPETITIVE MANNER CONSISTENT WITH SOUND FINANCIAL AND BUSINESS PRACTICE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt021872662
IRS990/NetAssetsOrFundBalancesEOYAmt024322966
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-45000
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-45000
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt07587
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt07587
IRS990/NetUnrelatedBusTxblIncmAmt0-353298
IRS990/NetUnrlzdGainsLossesInvstAmt0-27558
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0480344
IRS990/OfficeExpensesGrp/TotalAmt0573670
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02783890
IRS990/OtherAssetsTotalGrp/EOYAmt03035132
IRS990/OtherChangesInNetAssetsAmt096951
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0382788
IRS990/OtherExpensesGrp/Desc0ATM Servicing
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2loan SERVICING
IRS990/OtherExpensesGrp/Desc3ASSOCATION DUES
IRS990/OtherExpensesGrp/TotalAmt0882330
IRS990/OtherExpensesGrp/TotalAmt1693791
IRS990/OtherExpensesGrp/TotalAmt2423125
IRS990/OtherExpensesGrp/TotalAmt345186
IRS990/OtherLiabilitiesGrp/BOYAmt0220537036
IRS990/OtherLiabilitiesGrp/EOYAmt0233631176
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0OTHER NONOPERATING INC
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0385488
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0425129
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt039641
IRS990/OtherRevenueTotalAmt0425129
IRS990/OtherSalariesAndWagesGrp/TotalAmt03959099
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0354613
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt074256
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0477399
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0581701
IRS990/PrincipalOfficerNm0STACIE WYSS-SCHOENBORN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES AND GE
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08434714
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12103291
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21295091
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08434714
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12128961
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21544684
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt025670
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1249593
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt016877
IRS990/PYInvestmentIncomeAmt0390688
IRS990/PYOtherExpensesAmt05428629
IRS990/PYOtherRevenueAmt01029482
IRS990/PYProgramServiceRevenueAmt010957569
IRS990/PYRevenuesLessExpensesAmt01671472
IRS990/PYSalariesCompEmpBnftPaidAmt05260761
IRS990/PYTotalExpensesAmt010706267
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012377739
IRS990/ReconcilationRevenueExpnssAmt02380911
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt07587
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt021872662
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt024322966
IRS990/SavingsAndTempCashInvstGrp/BOYAmt037658054
IRS990/SavingsAndTempCashInvstGrp/EOYAmt032319403
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt06241093
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03368605
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09609698
IRS990ScheduleD/EquipmentGrp/BookValueAmt0528244
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03632661
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04160905
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt01817584
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01817584
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0436915
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0513861
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0950776
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0233631176
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ESCROW ACCOUNTS FOR MEMBER MORTGAGE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part IV, Line 2b:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09023836
IRS990ScheduleD/TotalLiabilityAmt0233631176
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0211294
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount040000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$260,127,406
Liabilities
$235,804,440
Net assets
$24,322,966
Revenue
$12,970,246
Expenses
$10,589,335
Net income
$2,380,911
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$593$545$48.2$36.8$33.8$3.03
2023Detailed filing. Detailed filing data is available for this year.$519$477$42.3$30.0$24.9$5.03
2022Detailed filing. Detailed filing data is available for this year.$515$479$36.4$25.7$18.8$6.91
2021Detailed filing. Detailed filing data is available for this year.$480$439$40.9$21.1$15.5$5.59
2020Detailed filing. Detailed filing data is available for this year.$411$374$37.0$19.2$15.5$3.80
2019Detailed filing. Detailed filing data is available for this year.$338$306$32.8$19.8$15.9$3.85
2018Detailed filing. Detailed filing data is available for this year.$312$283$28.8$16.4$14.4$2.04
2017Detailed filing. Detailed filing data is available for this year.$284$257$26.8$14.7$12.2$2.48
2016Detailed filing. Detailed filing data is available for this year.$260$236$24.3$13.0$10.6$2.38
2015Detailed filing. Detailed filing data is available for this year.$244$222$21.9$12.4$10.7$1.67
2014Detailed filing. Detailed filing data is available for this year.$230$209$20.5$11.6$10.3$1.27
2013Detailed filing. Detailed filing data is available for this year.$222$203$18.6$11.7$10.1$1.63
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$219$202$17.2$10.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$208$192$15.6$11.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$202$188$14.5$12.3