Civic Intelligence

Merco Credit Union

990 • Fiscal year 2014 • EIN 94-1366983

Jan 01, 2014 to Dec 31, 2014 • Filed on Jul 03, 2015

Organization Profilewww.merco.org

View Organization Page

1911 M StreetMerced, CA 95340

(209) 723-4285

Siviq Scores

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

Liabilities / Assets

80th percentile

0.91x

Higher debt load relative to assets than 80% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

56th percentile

19.58x

Higher debt load relative to revenue than 56% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

82nd percentile

20%

Higher net margin than 82% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

62nd percentile

$140,699

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 3.3% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

84th percentile

6.8%

Faster asset growth than 84% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

70th percentile

3.2%

Faster revenue growth than 70% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$91,794,930

Up $5,850,896 (+6.8%) from 2013

Net Assets

Up

$8,199,535

Up $839,311 (+11%) from 2013

Liabilities

Up

$83,595,395

Up $5,011,585 (+6.4%) from 2013

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin82nd percentile

Revenue

Up

$4,269,082

Up $132,998 (+3.2%) from 2013

Expenses

Down

$3,429,771

Down $13,072 (-0.4%) from 2013

Net Income

Up

$839,311

Up $146,070 (+21%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth84th percentile

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

$300M$200M$100M$0Assets 2011: $76,744,263Liabilities 2011: $71,040,191Net Assets 2011: $5,704,0722011Assets 2012: $81,446,560Liabilities 2012: $74,779,577Net Assets 2012: $6,666,9832012Assets 2013: $85,944,034Liabilities 2013: $78,583,810Net Assets 2013: $7,360,2242013Assets 2014: $91,794,930Liabilities 2014: $83,595,395Net Assets 2014: $8,199,5352014Assets 2015: $97,417,687Liabilities 2015: $88,524,517Net Assets 2015: $8,893,1702015Assets 2016: $103,352,432Liabilities 2016: $93,966,452Net Assets 2016: $9,385,9802016Assets 2017: $108,753,776Liabilities 2017: $98,704,133Net Assets 2017: $10,049,6432017Assets 2018: $116,503,078Liabilities 2018: $105,446,907Net Assets 2018: $11,056,1712018Assets 2019: $118,781,516Liabilities 2019: $106,720,713Net Assets 2019: $12,060,8032019Assets 2020: $143,567,580Liabilities 2020: $131,096,187Net Assets 2020: $12,471,3932020Assets 2021: $166,465,181Liabilities 2021: $151,259,494Net Assets 2021: $15,205,6872021Assets 2022: $174,840,743Liabilities 2022: $158,664,075Net Assets 2022: $16,176,6682022Assets 2023: $185,546,712Liabilities 2023: $168,867,045Net Assets 2023: $16,679,6672023Assets 2024: $201,175,702Liabilities 2024: $183,432,394Net Assets 2024: $17,743,3082024

Highlighted filing

2014

Assets$91,794,930
Liabilities$83,595,395
Net Assets$8,199,535
Open 2014 Filing

Operations Trend

Revenue Growth70th percentile

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

$15M$10M$5.0M$0Expenses 2011: $3,811,9712011Expenses 2012: $3,194,5142012Revenue 2013: $4,136,084Expenses 2013: $3,442,843Net Income 2013: $693,2412013Revenue 2014: $4,269,082Expenses 2014: $3,429,771Net Income 2014: $839,3112014Revenue 2015: $4,384,060Expenses 2015: $3,690,425Net Income 2015: $693,6352015Revenue 2016: $4,543,690Expenses 2016: $4,050,880Net Income 2016: $492,8102016Revenue 2017: $4,835,007Expenses 2017: $4,171,344Net Income 2017: $663,6632017Revenue 2018: $5,581,427Expenses 2018: $4,574,899Net Income 2018: $1,006,5282018Revenue 2019: $6,034,085Expenses 2019: $5,029,453Net Income 2019: $1,004,6322019Revenue 2020: $5,654,431Expenses 2020: $5,243,841Net Income 2020: $410,5902020Revenue 2021: $7,644,762Expenses 2021: $4,910,468Net Income 2021: $2,734,2942021Revenue 2022: $7,877,946Expenses 2022: $6,906,965Net Income 2022: $970,9812022Revenue 2023: $9,975,258Expenses 2023: $9,175,552Net Income 2023: $799,7062023Revenue 2024: $14,381,733Expenses 2024: $13,318,092Net Income 2024: $1,063,6412024

Highlighted filing

2014

Revenue$4,269,082
Expenses$3,429,771
Net Income$839,311
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jul 3, 2015
Return Version
2014v5.0
Gross Receipts
$4,269,082
Mission and Program Overview

Mission

Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of Merco Credit Union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$42,551,548$46,626,455▲ $4,074,907
Other Notes and Loans Receivable, Net$34,928,639$36,864,962▲ $1,936,323
Rtn Earn Endowment Incm Other Fnds$7,360,224$8,199,535▲ $839,311
Savings and Temporary Cash Investments$4,789,487$4,730,847▼ $58,640
Cash and Non-Interest-Bearing Accounts$1,360,447$1,264,477▼ $95,970
Land, Buildings, and Equipment, Net$911,639$906,498▼ $5,141
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$85,944,034$91,794,930▲ $5,850,896
Other Assets Total$1,402,274$1,401,691▼ $583
Liabilities
Other Liabilities$77,840,716$83,074,678▲ $5,233,962
Accounts Payable and Accrued Expenses$743,094$520,717▼ $222,377
Total Liabilities$78,583,810$83,595,395▲ $5,011,585
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,360,224$8,199,535▲ $839,311
Total Liabilities and Net Assets / Fund Balance$85,944,034$91,794,930▲ $5,850,896

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$235,249$735,924$971,173
Equipment$270,906$582,237$853,143
Land$369,505-$369,505
Leasehold Improvements$30,838$107,398$138,236
Compensation and Service Providers
Top Officer Pay62nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Michael E MaloneCEO,PresidentFT$140,699$140,699
David W NessCFO,EVP FinanceFT$116,218$116,218
Donna WinchesterVP HR&TrainingFT$61,765$61,765
Shay LopezAVP LendingFT$56,757$56,757
Jennifer TosteAVP OperationsFT$53,822$53,822

Board Members and Trustees

NameTitle
Barbara JamisonBoard Member
David BakerBoard Member
Don ClineBoard Member
John PedrozoBoard Member
John PriceBoard Member
M Stephen JonesBoard Member
Marie McDonaghBoard Member
Ron KinchloeBoard Member
Susan ChambersBoard Member
Joe SapienSupervisory COM
Kent ChristensenSupervisory COM
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,434,217
Investment Income
$604,736
Other Revenue
$1,230,129
Change in Net Assets
$839,311

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,269,082
Total Revenue per Audited Statements
$4,269,082
Total Revenue per Form 990
$4,269,082
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,664,691
Salaries, Compensation, and Employee Benefits$1,629,120
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,199,859
Fees for Services Other---$926,063
Current Officers, Directors, Trustees, and Key Employees---$429,261
Office Expenses---$351,755
Occupancy---$218,684
Benefits to Members---$135,960
Advertising---$77,595
Travel---$22,887
Other Expenses---$5,000
Interest---$24
Total Functional Expenses$0$0$0$3,429,771

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,429,771
Total Expenses per Audited Statements$3,429,771
Total Expenses per Form 990$3,429,771
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

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

Other Reported Liabilities

LiabilityAmount
Regular Shares$43,564,934
Share Drafts$14,817,780
Share Certificates$10,326,982
Money Market Shares$7,510,009
IRA/KEOGH Accounts$6,854,973
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Members”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“All members eligible to vote at annual meeting for election of board.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Yes. The election of board principally involve the approval by members. Other actions may also require membership approval, but none required in 2011.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The return preparer e-mails a draft of the form 990 to a designated officer and/or ceo of the credit union for review. The designated officer and/or ceo sends a copy to the board of director (s). The designated individual(s) review the draft and present any questions, comments, or corrections to the return preparer. Upon satisfactory completion of the form 990, the organization's authorized individual signs the appropriate signature form(s) to authorize the electronic filing of the return. A copy of the form 990, as filed, is provided by the return preparer to theorganization's ceo or other designated individual(s).”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The ceo salary is reviewed by the board using salary survey information. Other officers are reviewed by the ceo utilizing salary survey information. Board members are unpaid.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Other officers are reviewed by the ceo utilizing salary survey information.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Governing documents and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
MERCO Credit Union
EIN
94-1366983
Phone
2097234285
Address
1911 M Street, Merced, CA 95340

Signing Officer

Name
David W Ness
Title
CFO/VP Finance
Signed
2015-07-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David W Ness
Formed
1966
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
41
Volunteers
12

Preparer

Firm
Richards and Associates Cpas
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887-3762
Preparer
Michael Richards
Phone
8775720473
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Supervisory Com
IRS990/Form990PartVIISectionAGrp/TitleTxt9Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt10Supervisory Com
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO,EVP Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP HR&Training
IRS990/Form990PartVIISectionAGrp/TitleTxt13AVP Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt14AVP Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt15CEO,President
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0false
IRS990/FormationYr01966
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt04269082
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt024
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0604736
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0604736
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt042551548
IRS990/InvestmentsPubTradedSecGrp/EOYAmt046626455
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt01644
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01425559
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0911639
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0906498
IRS990/LandBldgEquipCostOrOtherBssAmt02332057
IRS990/LegalDomicileStateCd0CA
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of Merco Credit Union.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt07360224
IRS990/NetAssetsOrFundBalancesEOYAmt08199535
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0218684
IRS990/OfficeExpensesGrp/TotalAmt0351755
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt01402274
IRS990/OtherAssetsTotalGrp/EOYAmt01401691
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Misc Operating Expense
IRS990/OtherExpensesGrp/Desc1Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc2Operating Fees
IRS990/OtherExpensesGrp/Desc3Loss on Disposition of Assets
IRS990/OtherExpensesGrp/TotalAmt038509
IRS990/OtherExpensesGrp/TotalAmt113764
IRS990/OtherExpensesGrp/TotalAmt210410
IRS990/OtherExpensesGrp/TotalAmt35000
IRS990/OtherLiabilitiesGrp/BOYAmt077840716
IRS990/OtherLiabilitiesGrp/EOYAmt083074678
IRS990/OtherRevenueMiscGrp/Desc0Fee Income
IRS990/OtherRevenueMiscGrp/Desc1Other Operating Income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01094666
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1135463
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01094666
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1135463
IRS990/OtherRevenueTotalAmt01230129
IRS990/OtherSalariesAndWagesGrp/TotalAmt01199859
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt034928639
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt036864962
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0David W Ness
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02434217
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02434217
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0181209
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0527080
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01743347
IRS990/PYOtherRevenueAmt01121917
IRS990/PYProgramServiceRevenueAmt02487087
IRS990/PYRevenuesLessExpensesAmt0693241
IRS990/PYSalariesCompEmpBnftPaidAmt01518287
IRS990/PYTotalExpensesAmt03442843
IRS990/PYTotalRevenueAmt04136084
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0839311
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt04269082
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07360224
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08199535
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04789487
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04730847
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0235249
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0735924
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0971173
IRS990ScheduleD/EquipmentGrp/BookValueAmt0270906
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0582237
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0853143
IRS990ScheduleD/ExpensesSubtotalAmt03429771
IRS990ScheduleD/LandGrp/BookValueAmt0369505
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0369505
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt030838
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0107398
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0138236
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06854973
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt17510009
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt243564934
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt310326982
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt414817780
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0IRA/KEOGH Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Money Market Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Share Drafts
IRS990ScheduleD/RevenueSubtotalAmt04269082
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0906498
IRS990ScheduleD/TotalExpensesPerForm990Amt03429771
IRS990ScheduleD/TotalLiabilityAmt083074678
IRS990ScheduleD/TotalRevenuePerForm990Amt04269082
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04269082
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03429771
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt06112
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt117274
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt279384
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt380183
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt43504
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt545000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt610744
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt79585
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt8413
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt91883
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1040
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11878
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt124700
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt138793
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt147094

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$91,794,930
Liabilities
$83,595,395
Net assets
$8,199,535
Revenue
$4,269,082
Expenses
$3,429,771
Net income
$839,311
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$201$183$17.7$14.4$13.3$1.06
2023Summary only. Only limited summary data is available for this year.$186$169$16.7$9.98$9.18$0.80
2022Summary only. Only limited summary data is available for this year.$175$159$16.2$7.88$6.91$0.97
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$166$151$15.2$7.64$4.91$2.73
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$144$131$12.5$5.65$5.24$0.41
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$119$107$12.1$6.03$5.03$1.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$117$105$11.1$5.58$4.57$1.01
2017Summary only. Only limited summary data is available for this year.$109$98.7$10.0$4.84$4.17$0.66
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$103$94.0$9.39$4.54$4.05$0.49
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$97.4$88.5$8.89$4.38$3.69$0.69
2014Detailed filing. Detailed filing data is available for this year.$91.8$83.6$8.20$4.27$3.43$0.84
2013Summary only. Only limited summary data is available for this year.$85.9$78.6$7.36$4.14$3.44$0.69
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.4$74.8$6.67$3.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$76.7$71.0$5.70$3.81