Civic Intelligence

Food Industries Credit Union

990 • Fiscal year 2016 • EIN 93-0519645

Jan 01, 2016 to Dec 31, 2016 • Filed on Jun 12, 2017

Organization Profilewww.foodcu.org

View Organization Page

PO Box 7245Springfield, OR 97475

(541) 741-2605

Siviq Scores

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

Liabilities / Assets

18th percentile

0.78x

Higher debt load relative to assets than 18% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

55th percentile

21.00x

Higher debt load relative to revenue than 55% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

80th percentile

15%

Higher net margin than 80% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

90th percentile

$110,803

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 12.5% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

52nd percentile

1.9%

Faster asset growth than 52% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

71st percentile

6.0%

Faster revenue growth than 71% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets18th percentile

Assets

Up

$23,802,095

Up $448,806 (+1.9%) from 2015

Net Assets

Up

$5,222,320

Up $131,244 (+2.6%) from 2015

Liabilities

Up

$18,579,775

Up $317,562 (+1.7%) from 2015

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin80th percentile

Revenue

Up

$884,810

Up $50,414 (+6.0%) from 2015

Expenses

Up

$753,566

Up $35,775 (+5.0%) from 2015

Net Income

Up

$131,244

Up $14,639 (+13%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth52nd percentile

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

$40M$30M$20M$10M$0Assets 2010: $25,656,520Liabilities 2010: $20,123,212Net Assets 2010: $5,533,3082010Assets 2011: $25,597,611Liabilities 2011: $20,375,627Net Assets 2011: $5,221,9842011Assets 2012: $25,573,217Liabilities 2012: $20,686,187Net Assets 2012: $4,887,0302012Assets 2013: $26,134,125Liabilities 2013: $21,252,827Net Assets 2013: $4,881,2982013Assets 2014: $23,355,692Liabilities 2014: $18,381,221Net Assets 2014: $4,974,4712014Assets 2015: $23,353,289Liabilities 2015: $18,262,213Net Assets 2015: $5,091,0762015Assets 2016: $23,802,095Liabilities 2016: $18,579,775Net Assets 2016: $5,222,3202016Assets 2017: $23,368,101Liabilities 2017: $18,006,367Net Assets 2017: $5,361,7342017Assets 2018: $23,505,328Liabilities 2018: $17,997,005Net Assets 2018: $5,508,3232018Assets 2019: $24,602,834Liabilities 2019: $18,940,166Net Assets 2019: $5,662,6682019Assets 2020: $28,953,061Liabilities 2020: $23,191,222Net Assets 2020: $5,761,8392020Assets 2021: $32,842,414Liabilities 2021: $26,980,212Net Assets 2021: $5,862,2022021Assets 2022: $32,080,903Liabilities 2022: $26,041,858Net Assets 2022: $6,039,0452022Assets 2023: $29,145,651Liabilities 2023: $22,766,868Net Assets 2023: $6,378,7832023Assets 2024: $29,967,146Liabilities 2024: $23,397,761Net Assets 2024: $6,569,3852024

Highlighted filing

2016

Assets$23,802,095
Liabilities$18,579,775
Net Assets$5,222,320
Open 2016 Filing

Operations Trend

Revenue Growth71st percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,472,8782010Expenses 2011: $1,502,3412011Expenses 2012: $1,363,7672012Revenue 2013: $902,821Expenses 2013: $908,553Net Income 2013: -$5,7322013Revenue 2014: $831,193Expenses 2014: $738,020Net Income 2014: $93,1732014Revenue 2015: $834,396Expenses 2015: $717,791Net Income 2015: $116,6052015Revenue 2016: $884,810Expenses 2016: $753,566Net Income 2016: $131,2442016Revenue 2017: $903,283Expenses 2017: $763,869Net Income 2017: $139,4142017Revenue 2018: $974,134Expenses 2018: $827,545Net Income 2018: $146,5892018Revenue 2019: $1,036,410Expenses 2019: $882,065Net Income 2019: $154,3452019Revenue 2020: $1,121,537Expenses 2020: $1,022,366Net Income 2020: $99,1712020Revenue 2021: $1,045,382Expenses 2021: $945,019Net Income 2021: $100,3632021Revenue 2022: $1,197,484Expenses 2022: $1,020,641Net Income 2022: $176,8432022Revenue 2023: $1,542,260Expenses 2023: $1,202,522Net Income 2023: $339,7382023Revenue 2024: $1,473,271Expenses 2024: $1,282,669Net Income 2024: $190,6022024

Highlighted filing

2016

Revenue$884,810
Expenses$753,566
Net Income$131,244
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jun 12, 2017
Return Version
2016v3.0
Gross Receipts
$1,033,135
Mission and Program Overview

Mission

Non-profit credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,512,684$12,137,095▲ $624,411
Savings and Temporary Cash Investments$11,069,934$10,843,448▼ $226,486
Rtn Earn Endowment Incm Other Fnds$5,091,076$5,222,320▲ $131,244
Land, Buildings, and Equipment, Net$297,315$286,734▼ $10,581
Cash and Non-Interest-Bearing Accounts$101,251$110,534▲ $9,283
Prepaid Expenses and Deferred Charges$56,039$64,878▲ $8,839
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$23,353,289$23,802,095▲ $448,806
Other Assets Total$316,066$359,406▲ $43,340
Liabilities
Other Liabilities$18,227,413$18,573,792▲ $346,379
Accounts Payable and Accrued Expenses$34,800$5,983▼ $28,817
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$18,262,213$18,579,775▲ $317,562
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,091,076$5,222,320▲ $131,244
Total Liabilities and Net Assets / Fund Balance$23,353,289$23,802,095▲ $448,806

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$63,285$495,506$0
Other Land Buildings$39,480$483,458$0
Land$180,825-$0
Equipment$3,144$138,367$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Marcos SulistioCEOFT$110,803$110,803

Board Members and Trustees

NameTitle
Kenneth LarsonBoard Chair
Dale CurtisSupervisory Committee Chairman
Bill PowellBoard Director
Ronald TornellBoard Director
Russell SirotekBoard Director
Thomas J DavisBoard Director
Steve CheekBoard Vice and Supervisory Committee
Cal MorganSupervisory Committee

Highest Paid Contractors

ContractorServicesLocationCompensation
Marcos SulistioCeoPO Box 7245, Springfield, OR 97475$110,803
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$733,862
Investment Income
$150,948
Other Revenue
$0
Change in Net Assets
$131,244
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$390,394
Other Expenses$363,172
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$192,342--$192,342
Fees for Services Other$129,376--$129,376
Current Officers, Directors, Trustees, and Key Employees$110,803--$110,803
Office Expenses$73,654--$73,654
Other Expenses$42,000$0$0$42,000
Other Employee Benefits$36,529--$36,529
Occupancy$35,962--$35,962
Payroll Taxes$27,380--$27,380
Pension Plan Contributions$23,340--$23,340
Advertising$22,735--$22,735
Conferences and Meetings$13,984--$13,984
Fees for Services Legal$922--$922
Insurance$336--$336
Total Functional Expenses$753,566$0$0$753,566
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Funds on Deposit$18,249,583
Pension Liability$311,283
Accrued Expenses$12,926
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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

“To obtain services from the credit union, individuals must join the credit union thereby, becoming a member.”

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

“The membership may vote for the candidates if there is an election for a position on the Boardof Directors.”

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

“Form 990 is made available for review by the Directors and Supervisory Committee at the Board meeting.”

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

“As a part of the annual Board policy review, all parties are asked to acknowledge any business conflicts of interest. All parties are required to advise the credit union CEO or Board Chairman of personal or business conflicts immediately.”

Form 990, Part VI, Section B, Line 15

“The Board of Directors review the CEO compensation based on peer group comparison, cost of living, and credit union performance.”

Form 990, Part VI, Section C, Line 18

“Form 990 is available upon request by phone or in person.”

Form 990, Part VI, Section C, Line 19

“The information is available upon request.”

Filing and Contact Details

Filer

Filer Name
Food Industries Credit Union
EIN
93-0519645
Address
PO Box 7245, SPRINGFIELD, OR 97475

Signing Officer

Name
Marcos Sulistio
Title
President/CEO
Phone
5417412605
Signed
2017-06-12

Organization Details

Principal Officer
Marcos Sulistio
Formed
1963
Legal Domicile
Or
Voting Board Members
5
Independent Board Members
5
Employees
7
Volunteers
7
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“The credit union went through a major software and hardware conversion in 2013, which involved the in-house banking server and the credit union's card system. The card system conversion involved the credit, debit, and ATM card packages.”

Raw XML AppendixShowing 400 of 485 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/LandBldgEquipBasisNetGrp/EOYAmt0286734
IRS990/LandBldgEquipCostOrOtherBssAmt01404065
IRS990/LegalDomicileStateCd0OR
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0148325
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Non-profit credit union
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt05091076
IRS990/NetAssetsOrFundBalancesEOYAmt05222320
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt03243
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt03243
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt035962
IRS990/OccupancyGrp/TotalAmt035962
IRS990/OfficeExpensesGrp/ProgramServicesAmt073654
IRS990/OfficeExpensesGrp/TotalAmt073654
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0316066
IRS990/OtherAssetsTotalGrp/EOYAmt0359406
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt036529
IRS990/OtherEmployeeBenefitsGrp/TotalAmt036529
IRS990/OtherExpensesGrp/Desc0Dividend
IRS990/OtherExpensesGrp/Desc1Loan Service
IRS990/OtherExpensesGrp/Desc2PPL
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt039064
IRS990/OtherExpensesGrp/ProgramServicesAmt15139
IRS990/OtherExpensesGrp/ProgramServicesAmt242000
IRS990/OtherExpensesGrp/TotalAmt039064
IRS990/OtherExpensesGrp/TotalAmt15139
IRS990/OtherExpensesGrp/TotalAmt242000
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt018227413
IRS990/OtherLiabilitiesGrp/EOYAmt018573792
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0192342
IRS990/OtherSalariesAndWagesGrp/TotalAmt0192342
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011512684
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt012137095
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt027380
IRS990/PayrollTaxesGrp/TotalAmt027380
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt023340
IRS990/PensionPlanContributionsGrp/TotalAmt023340
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt056039
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt064878
IRS990/PrincipalOfficerNm0Marcos Sulistio
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0Oerating Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0733862
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0733862
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0105236
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0340154
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0729160
IRS990/PYRevenuesLessExpensesAmt0116605
IRS990/PYSalariesCompEmpBnftPaidAmt0377637
IRS990/PYTotalExpensesAmt0717791
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0834396
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0131244
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0884810
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05091076
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05222320
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011069934
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010843448
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt063285
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0495506
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0558791
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt03144
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0138367
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0141511
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0180825
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0180825
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt039480
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0483458
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0522938
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt012926
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1311283
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt218249583
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Accrued Expenses
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Pension Liability
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Member Funds on Deposit
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0286734
IRS990ScheduleD/TotalLiabilityAmt018573792
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0To obtain services from the credit union, individuals must join the credit union thereby, becoming a member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The membership may vote for the candidates if there is an election for a position on the Boardof Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 is made available for review by the Directors and Supervisory Committee at the Board meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3As a part of the annual Board policy review, all parties are asked to acknowledge any business conflicts of interest. All parties are required to advise the credit union CEO or Board Chairman of personal or business conflicts immediately.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Board of Directors review the CEO compensation based on peer group comparison, cost of living, and credit union performance.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Form 990 is available upon request by phone or in person.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The information is available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7The credit union went through a major software and hardware conversion in 2013, which involved the in-house banking server and the credit union's card system. The card system conversion involved the credit, debit, and ATM card packages.
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

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$23,802,095
Liabilities
$18,579,775
Net assets
$5,222,320
Revenue
$884,810
Expenses
$753,566
Net income
$131,244
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$30.0$23.4$6.57$1.47$1.28$0.19
2023Detailed filing. Detailed filing data is available for this year.$29.1$22.8$6.38$1.54$1.20$0.34
2022Detailed filing. Detailed filing data is available for this year.$32.1$26.0$6.04$1.20$1.02$0.18
2021Detailed filing. Detailed filing data is available for this year.$32.8$27.0$5.86$1.05$0.95$0.10
2020Detailed filing. Detailed filing data is available for this year.$29.0$23.2$5.76$1.12$1.02$0.10
2019Detailed filing. Detailed filing data is available for this year.$24.6$18.9$5.66$1.04$0.88$0.15
2018Detailed filing. Detailed filing data is available for this year.$23.5$18.0$5.51$0.97$0.83$0.15
2017Detailed filing. Detailed filing data is available for this year.$23.4$18.0$5.36$0.90$0.76$0.14
2016Detailed filing. Detailed filing data is available for this year.$23.8$18.6$5.22$0.88$0.75$0.13
2015Detailed filing. Detailed filing data is available for this year.$23.4$18.3$5.09$0.83$0.72$0.12
2014Detailed filing. Detailed filing data is available for this year.$23.4$18.4$4.97$0.83$0.74$0.09
2013Detailed filing. Detailed filing data is available for this year.$26.1$21.3$4.88$0.90$0.91$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.6$20.7$4.89$1.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.6$20.4$5.22$1.50
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.7$20.1$5.53$1.47