Liabilities / Assets
74th percentile
Higher debt load relative to assets than 74% of similar nonprofits.
Central Willamette Com Credit Union
990 • Fiscal year 2015 • EIN 93-0496543
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.91x
Liabilities / Revenue
47th percentile
Higher debt load relative to revenue than 47% of similar nonprofits.
Net Margin
65th percentile
Higher net margin than 65% of similar nonprofits.
Top Officer Pay
64th percentile
Higher top officer pay than 64% of similar nonprofits.
Top officer pay equals 1.9% of source-year revenue.
Asset Growth
65th percentile
Faster asset growth than 65% of similar nonprofits.
Revenue Growth
64th percentile
Faster revenue growth than 64% of similar nonprofits.
Balance Sheet
Assets
Up$244,147,454
Up $14,451,848 (+6.3%) from 2014
Net Assets
Up$21,872,662
Up $1,325,996 (+6.5%) from 2014
Liabilities
Up$222,274,792
Up $13,125,852 (+6.3%) from 2014
Revenue And Expenses
Revenue
Up$12,377,739
Up $808,774 (+7.0%) from 2014
Expenses
Up$10,706,267
Up $406,387 (+3.9%) from 2014
Net Income
Up$1,671,472
Up $402,387 (+32%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- Nov 11, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $12,482,739
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
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Accounts Receivable | $146,833,815 | $175,277,390 | ▲ $28,443,575 |
| Savings and Temporary Cash Investments | $49,366,615 | $37,658,054 | ▼ $11,708,561 |
| Rtn Earn Endowment Incm Other Fnds | $20,546,666 | $21,872,662 | ▲ $1,325,996 |
| Investments in Publicly Traded Securities | $15,826,942 | $14,345,679 | ▼ $1,481,263 |
| Land, Buildings, and Equipment, Net | $9,216,080 | $8,996,709 | ▼ $219,371 |
| Cash and Non-Interest-Bearing Accounts | $3,599,087 | $3,413,659 | ▼ $185,428 |
| Investments Other Securities | $999,513 | $1,194,674 | ▲ $195,161 |
| Prepaid Expenses and Deferred Charges | $1,123,057 | $477,399 | ▼ $645,658 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $229,695,606 | $244,147,454 | ▲ $14,451,848 |
| Other Assets Total | $2,730,497 | $2,783,890 | ▲ $53,393 |
| Liabilities | |||
| Other Liabilities | $207,754,488 | $220,537,036 | ▲ $12,782,548 |
| Accounts Payable and Accrued Expenses | $1,354,403 | $1,692,785 | ▲ $338,382 |
| Escrow Account Liability | $40,049 | $44,971 | ▲ $4,922 |
| Total Liabilities | $209,148,940 | $222,274,792 | ▲ $13,125,852 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $20,546,666 | $21,872,662 | ▲ $1,325,996 |
| Total Liabilities and Net Assets / Fund Balance | $229,695,606 | $244,147,454 | ▲ $14,451,848 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $6,536,913 | $3,064,771 | $9,601,684 |
| Equipment | $641,984 | $3,384,208 | $4,026,192 |
| Land | $1,817,584 | - | $1,817,584 |
| Leasehold Improvements | $228 | $513,736 | $513,964 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Stacie Wyss-Schoenborn | CEO | FT | $202,469 | $26,912 | $229,381 |
| Rachel Wolfe | COO | FT | $120,787 | $10,746 | $131,533 |
| Jeff Christman | CFO | FT | $110,974 | $10,610 | $121,584 |
| Nikki Warner | CMO | FT | $111,151 | $6,362 | $117,513 |
Board Members and Trustees
| Name | Title |
|---|---|
| Jim Healy | Chairman |
| James Denham | Vice Chairman |
| Brian Rowson | Director |
| Carolina Marquette | Director |
| Forrest Barnes | Director |
| Len Hainz | Director |
| Martha Lyon | Director |
| Tom Cutsforth | Director |
| Dan Bedore | Secretary |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Vantiv Holdings LLC | Debit/atm Processing | 38 FOUNTAIN SQUARE PLAZA, Cincinnati, OH 45202 | $644,045 |
| Cappelli Miles | Marketing | 2260 OAKMONT WAY 7, Eugene, OR 97401 | $378,419 |
| Q2 EBanking | Online And Mobile Banking Service | PO Box 205970, Dallas, TX 95320 | $357,495 |
| Fiserve | core banking service | PO Box 99924, Grapevine, TX 76099 | $205,849 |
| Gerding Builders LLC | Construction | PO Box 1082, Corvallis, OR 97339 | $163,026 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $10,957,569
- Investment Income
- $390,688
- Other Revenue
- $1,029,482
- Change in Net Assets
- $1,671,472
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $5,428,629 |
| Salaries, Compensation, and Employee Benefits | $5,260,761 |
| Grants and Similar Amounts Paid | $16,877 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $3,955,872 |
| Fees for Services Accounting | - | - | - | $834,854 |
| Office Expenses | - | - | - | $579,266 |
| Depreciation Depletion | - | - | - | $560,056 |
| Other Employee Benefits | - | - | - | $491,020 |
| Occupancy | - | - | - | $489,385 |
| Advertising | - | - | - | $450,045 |
| Interest | - | - | - | $417,943 |
| Information Technology | - | - | - | $381,226 |
| Payroll Taxes | - | - | - | $377,618 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $350,965 |
| Fees for Services Other | - | - | - | $273,870 |
| All Other Expenses | - | - | - | $245,469 |
| Insurance | - | - | - | $105,427 |
| Pension Plan Contributions | - | - | - | $85,286 |
| Conferences and Meetings | - | - | - | $59,083 |
| Other Expenses | - | - | - | $38,501 |
| Grants to Domestic Orgs | - | - | - | $16,877 |
| Fees for Services Legal | - | - | - | $15,857 |
| Total Functional Expenses | $0 | $0 | $0 | $10,706,267 |
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
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| MEMBERS' SHARES | $220,537,036 |
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 11
“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 2015. Key employee compensation analysis was last conducted in december 2015.”
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
- 2016-11-11
- 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
- 114
- Volunteers
- 13
Preparer
- Firm
- Moss Adams LLP
- Address
- 805 SW Broadway Ste 1200, Portland, OR 97205
- Phone
- 5032421447
Supplemental Narrative
Additional Explanations
Form 990, Part XI, line 9:
“passthrough income BOOK/TAX 5,368.”
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 486 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/ContractorCompensationGrp/ServicesDesc | 3 | core banking service |
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| IRS990/Desc | 0 | CENTRAL WILLAMETTE COMMUNITY CREDIT UNION SERVICES 24,789 MEMBERS OF OUR COMMUNITY WITH DIVERSE FINANCIAL PRODUCTS AND SERVICES. DURING THE YEAR WE GRANTED A TOTAL OF 5,120 LOANS WORTH $88,865,952 TO OUR MEMBERS. WE HAVE A TOTAL LOAN PORTFOLIO OF 12,541 LOANS WORTH $176,658,305. THE CREDIT UNION MAINTAINS 45,365 ACCOUNTS FOR OUR MEMBERS WORTH $220,582,005. The credit union employs 89 individuals from our community. |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | COO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | CMO |
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| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1955 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
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| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 16877 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 12482739 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 3102 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 4 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
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| IRS990/InsuranceGrp/TotalAmt | 0 | 105427 |
| IRS990/InterestGrp/TotalAmt | 0 | 417943 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 495688 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 495688 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 999513 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 1194674 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 15826942 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 14345679 |
| IRS990/IRPDocumentCnt | 0 | 5341 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 6962715 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 9216080 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 8996709 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 15959424 |
| IRS990/LegalDomicileStateCd | 0 | OR |
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| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 0 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| 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 | 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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
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| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 21872662 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | -105000 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -105000 |
| IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt | 0 | 3102 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 3102 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -163250 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -350844 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 489385 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 579266 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 2730497 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2783890 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 5368 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 491020 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | loan SERVICING |
| IRS990/OtherExpensesGrp/Desc | 2 | ASSOCATION DUES |
| IRS990/OtherExpensesGrp/Desc | 3 | examination fees |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 625000 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 301416 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 51231 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 38501 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 207754488 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 220537036 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER NONOPERATING INC |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 837132 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 1026380 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 189248 |
| IRS990/OtherRevenueTotalAmt | 0 | 1026380 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 3955872 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 377618 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 85286 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 1123057 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 477399 |
| IRS990/PrincipalOfficerNm | 0 | STACIE WYSS-SCHOENBORN |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | SERVICE CHARGES AND GE |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER OPERATING INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 7762201 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1691937 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 1204229 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 7762201 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1716197 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 1479171 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 24260 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 274942 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 20285 |
| IRS990/PYInvestmentIncomeAmt | 0 | 504477 |
| IRS990/PYOtherExpensesAmt | 0 | 4897638 |
| IRS990/PYOtherRevenueAmt | 0 | 1304823 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 9759665 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1269085 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 5381957 |
| IRS990/PYTotalExpensesAmt | 0 | 10299880 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 11568965 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1671472 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 3102 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 20546666 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 21872662 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 49366615 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 37658054 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 6536913 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 3064771 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 9601684 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 641984 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 3384208 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 4026192 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1817584 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1817584 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 228 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 513736 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 513964 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 220537036 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBERS' SHARES |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | ESCROW ACCOUNTS FOR MEMBER MORTGAGE LOANS. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Part IV, Line 2b: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 8996709 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 220537036 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 202469 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 20000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 6724 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 188 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | Stacie Wyss-Schoenborn |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 229381 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION HAS MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | EACH CREDIT UNION MEMBER HAS ONE VOTE TOWARDS THE ELECTION OF THE CREDIT UNION'S GOVERNING BODY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | 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 2015. KEY EMPLOYEE COMPENSATION ANALYSIS WAS LAST CONDUCTED IN DECEMBER 2015. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | passthrough income BOOK/TAX 5,368. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section B, line 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, line 15 |
Document Assets
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Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $244,147,454
- Liabilities
- $222,274,792
- Net assets
- $21,872,662
- Revenue
- $12,377,739
- Expenses
- $10,706,267
- Net income
- $1,671,472