Civic Intelligence

Community First Credit Union

990 • Fiscal year 2017 • EIN 94-1541515

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 15, 2018

Organization Profilewww.comfirstcu.org

View Organization Page

115 N Dutton AveSanta Rosa, CA 95482

(707) 468-0161

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.01x

Higher debt load relative to assets than 3% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

3rd percentile

0.29x

Higher debt load relative to revenue than 3% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

46th percentile

12%

Higher net margin than 46% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

2nd percentile

$162,010

Higher top officer pay than 2% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

100th percentile

106%

Faster asset growth than 100% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

99th percentile

54%

Faster revenue growth than 99% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Up

$474,209,867

Up $243,744,793 (+106%) from 2016

Net Assets

Up

$468,874,003

Up $240,983,629 (+106%) from 2016

Liabilities

Up

$5,335,864

Up $2,761,164 (+107%) from 2016

Revenue And Expenses
Liabilities / Revenue3rd percentileNet Margin46th percentile

Revenue

Up

$18,123,737

Up $6,317,606 (+54%) from 2016

Expenses

Up

$15,860,818

Up $5,906,316 (+59%) from 2016

Net Income

Up

$2,262,919

Up $411,290 (+22%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth100th percentile

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

$1.0B$500M$0Assets 2010: $97,926,767Liabilities 2010: $737,698Net Assets 2010: $97,189,0692010Assets 2011: $117,093,762Liabilities 2011: $1,297,586Net Assets 2011: $115,796,1762011Assets 2012: $126,774,906Liabilities 2012: $1,337,261Net Assets 2012: $125,437,6452012Assets 2013: $174,036,495Liabilities 2013: $1,420,753Net Assets 2013: $172,615,7422013Assets 2014: $187,951,494Liabilities 2014: $2,408,527Net Assets 2014: $185,542,9672014Assets 2015: $216,155,472Liabilities 2015: $1,919,595Net Assets 2015: $214,235,8772015Assets 2016: $230,465,074Liabilities 2016: $2,574,700Net Assets 2016: $227,890,3742016Assets 2017: $474,209,867Liabilities 2017: $5,335,864Net Assets 2017: $468,874,0032017Assets 2019: $546,009,212Liabilities 2019: $5,417,577Net Assets 2019: $540,591,6352019Assets 2020: $650,851,812Liabilities 2020: $5,499,563Net Assets 2020: $645,352,2492020Assets 2021: $761,258,257Liabilities 2021: $5,403,710Net Assets 2021: $755,854,5472021Assets 2022: $823,669,192Liabilities 2022: $9,951,897Net Assets 2022: $813,717,2952022Assets 2023: $816,808,644Liabilities 2023: $742,727,654Net Assets 2023: $74,080,9902023Assets 2024: $805,920,075Liabilities 2024: $727,846,875Net Assets 2024: $78,073,2002024

Highlighted filing

2017

Assets$474,209,867
Liabilities$5,335,864
Net Assets$468,874,003
Open 2017 Filing

Operations Trend

Revenue Growth99th percentile

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

$60M$40M$20M$0Expenses 2010: $5,720,1602010Expenses 2011: $6,039,8502011Revenue 2012: $6,887,327Expenses 2012: $6,886,787Net Income 2012: $5402012Revenue 2013: $7,557,944Expenses 2013: $7,373,457Net Income 2013: $184,4872013Revenue 2014: $9,103,813Expenses 2014: $8,200,298Net Income 2014: $903,5152014Revenue 2015: $10,236,096Expenses 2015: $9,031,947Net Income 2015: $1,204,1492015Revenue 2016: $11,806,131Expenses 2016: $9,954,502Net Income 2016: $1,851,6292016Revenue 2017: $18,123,737Expenses 2017: $15,860,818Net Income 2017: $2,262,9192017Revenue 2019: $29,807,777Expenses 2019: $24,606,472Net Income 2019: $5,201,3052019Revenue 2020: $31,829,604Expenses 2020: $26,049,069Net Income 2020: $5,780,5352020Revenue 2021: $33,075,635Expenses 2021: $25,585,694Net Income 2021: $7,489,9412021Revenue 2022: $36,766,136Expenses 2022: $28,206,770Net Income 2022: $8,559,3662022Revenue 2023: $43,498,880Expenses 2023: $40,241,977Net Income 2023: $3,256,9032023Revenue 2024: $47,791,718Expenses 2024: $44,667,904Net Income 2024: $3,123,8142024

Highlighted filing

2017

Revenue$18,123,737
Expenses$15,860,818
Net Income$2,262,919
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 15, 2018
Return Version
2017v2.0
Gross Receipts
$18,123,737
Mission and Program Overview

Mission

To provide consumer financial services to the communities of Napa, Sonoma, Marin, Lake and Mendocino counties.

To provide financial services; to encourage thrift savings and the wise use of credit; to increase the knowledge and ability of our members to manage and control their financial well being.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$209,040,225$423,830,129▲ $214,789,904
Other Notes and Loans Receivable, Net$151,059,829$320,094,611▲ $169,034,782
Investments in Publicly Traded Securities$65,730,261$77,969,011▲ $12,238,750
Cash and Non-Interest-Bearing Accounts$2,756,669$46,052,305▲ $43,295,636
Rtn Earn Endowment Incm Other Fnds$18,850,149$45,043,874▲ $26,193,725
Land, Buildings, and Equipment, Net$3,126,489$11,521,250▲ $8,394,761
Savings and Temporary Cash Investments$4,905,733$0▼ $4,905,733
Accounts Receivable$1,650,000$0▼ $1,650,000
Prepaid Expenses and Deferred Charges$199,321$0▼ $199,321
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$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$230,465,074$474,209,867▲ $243,744,793
Other Assets Total$1,036,772$18,572,690▲ $17,535,918
Liabilities
Accounts Payable and Accrued Expenses$2,574,700$4,335,922▲ $1,761,222
Mortgage Notes Payable Secured by Investment Property$0$999,942▲ $999,942
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Other Liabilities$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$2,574,700$5,335,864▲ $2,761,164
Net Assets / Fund Balance
Total Net Assets Fund Balance$227,890,374$468,874,003▲ $240,983,629
Total Liabilities and Net Assets / Fund Balance$230,465,074$474,209,867▲ $243,744,793

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,406,204$3,413,246$0
Other Land Buildings$0$0$0
Land$2,451,165-$0
Equipment$1,488,129$5,042,475$0
Leasehold Improvements$2,175,752$1,253,020$0
Compensation and Service Providers
Top Officer Pay2nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Todd SheffieldPresident/CEOFT$162,010$162,010
David RhoadesCFOFT$139,129$139,129
John PetersonCOOFT$124,639$124,639
Chris KraemerCIOFT$100,182$100,182

Board Members and Trustees

NameTitle
Carl VandenHeuvalChairman of the Board
Cameron ReevesVice Chairman
Arlene ColombiniDirector
John BurkeDirector
Madelyn HoltkampDirector
Monte HillDirector
Robert ScottDirector
Carolyn WelchTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$16,534,033
Investment Income
$1,589,704
Other Revenue
$0
Change in Net Assets
$2,262,919

Audited Revenue Reconciliation

Revenue per Audited Statements
$18,123,737
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$18,123,737
Total Revenue per Form 990
$18,123,737
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,645,322
Salaries, Compensation, and Employee Benefits$7,215,496
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,724,293
Office Expenses---$2,982,851
Other Expenses---$1,838,142
Other Employee Benefits---$1,240,833
Occupancy---$703,562
Depreciation Depletion---$655,130
Information Technology---$586,295
Current Officers, Directors, Trustees, and Key Employees---$525,960
Interest---$431,603
Payroll Taxes---$404,664
All Other Expenses---$381,191
Pension Plan Contributions---$319,746
Advertising---$301,209
Insurance---$176,214
Travel---$74,579
Fees for Services Management---$53,493
Fees for Services Accounting---$48,035
Conferences and Meetings---$12,065
Fees for Services Legal---$1,236
Total Functional Expenses$0$0$0$15,860,818

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$15,860,818
Total Expenses per Audited Statements$15,860,818
Total Expenses per Form 990$15,860,818
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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
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
Yes
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, Section A, Line 4

“Updated bylaws after merger with Community First Credit Union EIN 94-1532380.”

Form 990, Part VI, Section A, Line 6

“The credit union is owned by member depositors.”

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

“Yes the members elect the Board of Directors.”

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

“Merge decisions are subject to a vote of approval by the membership.”

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

“No review was conducted.”

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

“Volunteers must disclose to the Board of Directors annually any involvement with organizations which do business with the credit union unless such involvement is solely in the form of an investment in publicly traded securities.”

Form 990, Part VI, Section B, Line 15

“Comparative compensation data is gathered and reviewed by the Board of Directors annual in setting compensation for the CEO. Comparative compensation data is gathered and reviewed by the Board of Directors annual in setting compensation for the key employees.”

Form 990, Part VI, Section C, Line 19

“Financial Statements available on NCUA.GOV, other documents available by request.”

Filing and Contact Details

Filer

Filer Name
Community First Credit Union
EIN
94-1541515
Phone
7074680161
Address
115 N Dutton Ave, Santa Rosa, CA 95482

Signing Officer

Name
David Rhoades
Title
CFO
Phone
7074674807
Signed
2018-11-15

Organization Details

Principal Officer
Todd Sheffield
Formed
1959
Legal Domicile
CA
Voting Board Members
10
Independent Board Members
10
Employees
161
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“9. Other changes in net assets or fund balances include deposits and withdrawals of member shares. The changes also include the acquired assets from the former Community First Credit Union, EIN XXX-XX-XXXX.”

Financial Statement Notes

Schedule D, Part X, Line 2

“For the year ended March 31, 2017, management has determined that there are no material uncertain tax positions.”

Raw XML AppendixShowing 400 of 489 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/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01589704
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01589704
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt065730261
IRS990/InvestmentsPubTradedSecGrp/EOYAmt077969011
IRS990/IRPDocumentCnt06765
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09708741
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03126489
IRS990/LandBldgEquipBasisNetGrp/EOYAmt011521250
IRS990/LandBldgEquipCostOrOtherBssAmt021229991
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To provide affordable financial products and services to our membership.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0999942
IRS990/NetAssetsOrFundBalancesBOYAmt0227890374
IRS990/NetAssetsOrFundBalancesEOYAmt0468874003
IRS990/NetUnrlzdGainsLossesInvstAmt0-218598
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0703562
IRS990/OfficeExpensesGrp/TotalAmt02982851
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01036772
IRS990/OtherAssetsTotalGrp/EOYAmt018572690
IRS990/OtherChangesInNetAssetsAmt0238939308
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01240833
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Provision for Loan Losses
IRS990/OtherExpensesGrp/TotalAmt0399717
IRS990/OtherExpensesGrp/TotalAmt11838142
IRS990/OtherLiabilitiesGrp/BOYAmt00
IRS990/OtherLiabilitiesGrp/EOYAmt00
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt04724293
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0151059829
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0320094611
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0404664
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0319746
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0199321
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Todd Sheffield
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest Income on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012564731
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13969302
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012564731
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13969302
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01171902
IRS990/PYOtherExpensesAmt05717753
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt010634229
IRS990/PYRevenuesLessExpensesAmt01851629
IRS990/PYSalariesCompEmpBnftPaidAmt04236749
IRS990/PYTotalExpensesAmt09954502
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt011806131
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt02262919
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt018123737
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt018850149
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt045043874
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04905733
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt05406204
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03413246
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt08819450
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt01488129
IRS990ScheduleD/EquipmentGrp/DepreciationAmt05042475
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt06530604
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt015860818
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt02451165
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt02451165
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt02175752
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01253020
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt03428772
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt018123737
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0For the year ended March 31, 2017, management has determined that there are no material uncertain tax positions.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part X, Line 2
IRS990ScheduleD/TotalBookValueLandBuildingsAmt011521250
IRS990ScheduleD/TotalExpensesPerForm990Amt015860818
IRS990ScheduleD/TotalLiabilityAmt00
IRS990ScheduleD/TotalRevenuePerForm990Amt018123737
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt018123737
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt015860818
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0162010
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Todd Sheffield
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0162010
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Updated bylaws after merger with Community First Credit Union EIN 94-1532380.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The credit union is owned by member depositors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Yes the members elect the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Merge decisions are subject to a vote of approval by the membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4No review was conducted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Volunteers must disclose to the Board of Directors annually any involvement with organizations which do business with the credit union unless such involvement is solely in the form of an investment in publicly traded securities.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Comparative compensation data is gathered and reviewed by the Board of Directors annual in setting compensation for the CEO. Comparative compensation data is gathered and reviewed by the Board of Directors annual in setting compensation for the key employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Financial Statements available on NCUA.GOV, other documents available by request.

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$474,209,867
Liabilities
$5,335,864
Net assets
$468,874,003
Revenue
$18,123,737
Expenses
$15,860,818
Net income
$2,262,919
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$806$728$78.1$47.8$44.7$3.12
2023Detailed filing. Detailed filing data is available for this year.$817$743$74.1$43.5$40.2$3.26
2022Detailed filing. Detailed filing data is available for this year.$824$9.95$814$36.8$28.2$8.56
2021Detailed filing. Detailed filing data is available for this year.$761$5.40$756$33.1$25.6$7.49
2020Detailed filing. Detailed filing data is available for this year.$651$5.50$645$31.8$26.0$5.78
2019Detailed filing. Detailed filing data is available for this year.$546$5.42$541$29.8$24.6$5.20
2017Detailed filing. Detailed filing data is available for this year.$474$5.34$469$18.1$15.9$2.26
2016Detailed filing. Detailed filing data is available for this year.$230$2.57$228$11.8$9.95$1.85
2015Detailed filing. Detailed filing data is available for this year.$216$1.92$214$10.2$9.03$1.20
2014Detailed filing. Detailed filing data is available for this year.$188$2.41$186$9.10$8.20$0.90
2013Detailed filing. Detailed filing data is available for this year.$174$1.42$173$7.56$7.37$0.18
2012Summary only. Only limited summary data is available for this year.$127$1.34$125$6.89$6.89$0.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$117$1.30$116$6.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$97.9$0.74$97.2$5.72