Civic Intelligence

Credit Unions in the State of California

EIN 94-1516523 • 501(c)14 • Redding, CA

Profile

To provide our membership the highest level of service in the delivery of a comprehensive collection of financial products and services which are competitively prices and technologically current.

4710 Mt Lakes BlvdRedding, CA 96003

www.starcreditunion.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

4th percentile

0.00x

Higher debt load relative to assets than 4% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

7th percentile

0.14x

Higher debt load relative to revenue than 7% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

35th percentile

4.8%

Higher net margin than 35% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

82nd percentile

$247,576

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 21.2% of source-year revenue.

$25M-$50M nonprofits • Source year 2014

Asset Growth

77th percentile

3.7%

Faster asset growth than 77% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

27th percentile

1.0%

Faster revenue growth than 27% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Assets

Up

$41,681,741

Up $1,470,453 (+3.7%) from 2014

Liabilities

Down

$165,261

Down $1,152,513 (-87%) from 2014

Net Assets

Up

$41,516,480

Up $2,622,966 (+6.7%) from 2014

Revenue

Up

$1,176,692

Up $11,237 (+1.0%) from 2014

Expenses

Up

$1,120,615

Up $113,130 (+11%) from 2014

Net Income

Down

$56,077

Down $101,893 (-65%) from 2014

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2010: $30,072,084Liabilities 2010: $859,985Net Assets 2010: $29,212,0992010Assets 2011: $33,900,653Liabilities 2011: $1,053,769Net Assets 2011: $32,846,8842011Assets 2012: $36,331,867Liabilities 2012: $1,148,646Net Assets 2012: $35,183,2212012Assets 2013: $38,324,379Liabilities 2013: $1,260,553Net Assets 2013: $37,063,8262013Assets 2014: $40,211,288Liabilities 2014: $1,317,774Net Assets 2014: $38,893,5142014Assets 2015: $41,681,741Liabilities 2015: $165,261Net Assets 2015: $41,516,4802015

Highlighted filing

2015

Assets$41,681,741
Liabilities$165,261
Net Assets$41,516,480

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0Expenses 2010: $1,263,0592010Expenses 2011: $1,192,0782011Expenses 2012: $1,077,7762012Revenue 2013: $1,159,585Expenses 2013: $1,005,397Net Income 2013: $154,1882013Revenue 2014: $1,165,455Expenses 2014: $1,007,485Net Income 2014: $157,9702014Revenue 2015: $1,176,692Expenses 2015: $1,120,615Net Income 2015: $56,0772015

Highlighted filing

2015

Revenue$1,176,692
Expenses$1,120,615
Net Income$56,077

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 12, 2016
Return Version
2015v2.1
Gross Receipts
$1,176,692
Mission and Program Overview

Mission

To provide our membership the highest level of service in the delivery of a comprehensive collection of financial products and services which are competitively priced and technologically current.

To provide our membership the highest level of service in the delivery of a comprehensive collection of financial products and services which are competitively prices and technologically current.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$35,196,981$37,805,324▲ $2,608,343
Other Notes and Loans Receivable, Net$10,516,196$10,982,315▲ $466,119
Investments Other Securities$12,839,418$7,902,412▼ $4,937,006
Savings and Temporary Cash Investments$3,517,456$6,177,418▲ $2,659,962
Rtn Earn Endowment Incm Other Fnds$3,280,239$3,294,862▲ $14,623
Land, Buildings, and Equipment, Net$687,542$599,979▼ $87,563
Pd in Cap Srpls Land Bldg Eqp Fund$416,294$416,294→ $0
Cash and Non-Interest-Bearing Accounts$230,786$233,987▲ $3,201
Investments in Publicly Traded Securities$24,493$24,493→ $0
Receivables From Officers Etc$152,731$20,794▼ $131,937
Accounts Receivable$9,901$15,009▲ $5,108
Prepaid Expenses and Deferred Charges$53,018$13,859▼ $39,159
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$40,211,288$41,681,741▲ $1,470,453
Other Assets Total$12,179,747$15,711,475▲ $3,531,728
Liabilities
Accounts Payable and Accrued Expenses$133,896$193,500▲ $59,604
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
Other Liabilities$1,183,878$-28,239▼ $1,212,117
Total Liabilities$1,317,774$165,261▼ $1,152,513
Net Assets / Fund Balance
Total Net Assets Fund Balance$38,893,514$41,516,480▲ $2,622,966
Total Liabilities and Net Assets / Fund Balance$40,211,288$41,681,741▲ $1,470,453

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$96,650$204,462$0
Other Land Buildings$0$0$0
Land$120,000-$0
Equipment$21,578$32,525$0
Leasehold Improvements$361,751$97,141$0
Other Assets Org$45,217--
Other Securities$6,135,143--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Joseph W KellyPresident/CEOFT$132,627$1,219,990$1,352,617

Board Members and Trustees

NameTitle
Carl WatersChairperson
Don OsborneBoard Members
Kirk MonfortBoard Members
Ralph MeuterBoard Members
Richard ParkerBoard Members
Sharon O'QuinSecretary
Andrew ParkensonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$2,624
Program Service Revenue
$667,229
Investment Income
$478,193
Other Revenue
$28,646
All Other Contributions
$2,624
Change in Net Assets
$56,077
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$578,148
Other Expenses$542,024
Grants and Similar Amounts Paid$443
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$253,380
Fees for Services Other---$179,245
Current Officers, Directors, Trustees, and Key Employees---$134,986
Other Employee Benefits---$117,780
Information Technology---$106,242
Office Expenses---$75,597
Payroll Taxes---$50,838
Interest---$40,184
Occupancy---$34,047
Insurance---$26,288
Pension Plan Contributions---$21,164
Depreciation Depletion---$15,616
Payments to Affiliates---$11,499
Other Expenses---$10,824
Advertising---$3,019
Travel---$2,079
All Other Expenses---$1,250
Grants to Domestic Orgs---$443
Conferences and Meetings---$199
Total Functional Expenses$0$0$0$1,120,615
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Receivables from Officers, Directors, Trustees, and Key Employees$152,731$20,794▼ $131,937
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Withholding Taxes Payable$213
Outstanding Cashiers Checks$9
Suspense Accounts$-28,461
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
No
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

STAR CCU has members. Each member must maintain a $10 minimum share account balance to remain in good standing.

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

Members of STAR's board of directors are elected by the members of the credit union at an annual meeting.

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

A copy of the 990 is provided to the board of directors at a board meeting prior to filing the return.

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

STAR's conflict of interest policy requires all interested persons to file an annual statement confirming that they have received, read, understood, and agree to comply with the policy, and to disclose any potential conflicts, and to complete an additional statement at any time a potential conflict arises. The Board reviews all such statements and takes actions as necessary to ensure compliance with the policy.

Form 990, Part VI, Section B, Line 15

A compensation committee of the board conducts the annual review of the CEO. That process involves the compilation of data such as adherence to the budget plan, comparison of financial results to peer groups, satisfaction of members, all of which must support the evaluation's rating and compensation of the CEO. The recommendation of the committee is then given to the full board for their review and final approval.

Form 990, Part VI, Section C, Line 19

Copies of STAR's governing documents and financial statements are available to the public upon request, and STAR maintained thru Dec 2015 a summary of its most recent financial statements on display in the lobby.

Filing and Contact Details

Filer

Filer Name
Credit Unions in the State of California
EIN
94-1516523
Phone
5302226060
Address
4710 Mt Lakes Blvd, Redding, CA 96003

Signing Officer

Name
Joseph Kelly
Title
President/CEO
Phone
5302226060
Signed
2016-05-12

Organization Details

Principal Officer
Joseph W Kelly
Formed
1958
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
11
Volunteers
11
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

ATM/debit card expenses, $65,896.75; Visa USA expenses, $9,988.00; travel card expenses, $537.00; exam fees (Supervisory Committee), $8,069.18; payroll fee, $2,330.62; share draft expenses, $4,063.66; bill payer expenses, $10,867.50; IRA service fees, $2,421.33; other professional services, $13,600.49; loan services fees, $51,328.57; statement processing fees, $10,141.59.

Form 990, Part XI, Line 9

The 2014 balance included unrealized gain on investments of ($16,581.00) and member deposits increased by $2,608,343 since 12-31-14.

Raw XML AppendixShowing 400 of 591 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/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeFromGamingGrp/ExclusionAmt00
IRS990/NetIncomeFromGamingGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeOrLossGrp/ExclusionAmt00
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt09160
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt09160
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-24873
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt034047
IRS990/OfficeExpensesGrp/TotalAmt075597
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt012179747
IRS990/OtherAssetsTotalGrp/EOYAmt015711475
IRS990/OtherChangesInNetAssetsAmt02608343
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0117780
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss and Debt
IRS990/OtherExpensesGrp/Desc1Misc Operating Expenses
IRS990/OtherExpensesGrp/Desc2DBO Annual Assessment
IRS990/OtherExpensesGrp/Desc3Business Development/PR
IRS990/OtherExpensesGrp/TotalAmt021422
IRS990/OtherExpensesGrp/TotalAmt15605
IRS990/OtherExpensesGrp/TotalAmt28908
IRS990/OtherExpensesGrp/TotalAmt310824
IRS990/OtherLiabilitiesGrp/BOYAmt01183878
IRS990/OtherLiabilitiesGrp/EOYAmt0-28239
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/BusinessCd1522130
IRS990/OtherRevenueMiscGrp/Desc0Insurance Sales Income
IRS990/OtherRevenueMiscGrp/Desc1Non Member Fee Income
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt011444
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt14735
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt011444
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt14735
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueTotalAmt019486
IRS990/OtherSalariesAndWagesGrp/TotalAmt0253380
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt010516196
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt010982315
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt011499
IRS990/PayrollTaxesGrp/TotalAmt050838
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0416294
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt0416294
IRS990/PensionPlanContributionsGrp/TotalAmt021164
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt053018
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt013859
IRS990/PrincipalOfficerNm0Joseph W Kelly
IRS990/PriorPeriodAdjustmentsAmt0-16581
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Income from Loans
IRS990/ProgramServiceRevenueGrp/Desc1Member Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Interchange Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0453688
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1121934
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt291607
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0453688
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1121934
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt291607
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0Code 522130 TRANSACTION ACCOUNTS AND RELATED FINANCIAL SERVICES: STAR members had 2151 share draft and money market accounts as of 12-31-15, totaling nearly 14.7 million dollars. Members enjoy the use of our transactional online banking services (1279 users during the fourth quarter of 2015), ATM/debit cards (2161 cards as of 12-31-15), bill payers services (251 active accounts), and mobile banking service (428 users).
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt00
IRS990/ProgSrvcAccomActy3Grp/Desc0Code 522130 LENDING: STAR CCU has 898 loans outstanding to its members as of 12-31-15, totaling more than 11 million dollars. Types of outstanding loans include unsecured, overdraft, shared secured, helocs, first and second mortgage loans, member business loans, participation loans, new and used vehicle loans, and credit card loans.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0185
IRS990/PYGrantsAndSimilarPaidAmt01480
IRS990/PYInvestmentIncomeAmt0464571
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0435328
IRS990/PYOtherRevenueAmt032786
IRS990/PYProgramServiceRevenueAmt0667913
IRS990/PYRevenuesLessExpensesAmt0157970
IRS990/PYSalariesCompEmpBnftPaidAmt0570677
IRS990/PYTotalExpensesAmt01007485
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01165455
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0152731
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt020794
IRS990/ReconcilationRevenueExpnssAmt056077
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt09160
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03280239
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03294862
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03517456
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06177418
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt096650
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0204462
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0301112
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt021578
IRS990ScheduleD/EquipmentGrp/DepreciationAmt032525
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt054103
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0120000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0120000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0361751
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt097141
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0458892
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0-101343
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt161092
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2343572
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt391581
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt415271356
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt545217
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Provision for Loan Losses
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1Co-Op Shares

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