Civic Intelligence

Siskiyou Credit Union

EIN 94-1588778 • 501(c)14 • Yreka, CA

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Profile

Siskiyou Credit Union is a Non-Profit Financial Cooperative That Provides Services For Their Members Including Savings And Loans. The Mission Of The Credit Union Is To Charge The Least In Their Loans And Pay The Most For Deposits To Its Members.

PO Box 1125Yreka, CA 96097

www.siskiyoucu.org

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.91x

Higher debt load relative to assets than 73% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Liabilities / Revenue

19th percentile

12.12x

Higher debt load relative to revenue than 19% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Net Margin

54th percentile

13%

Higher net margin than 54% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Top Officer Pay

39th percentile

$210,135

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Asset Growth

21st percentile

-0.6%

Faster asset growth than 21% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Revenue Growth

81st percentile

21%

Faster revenue growth than 81% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$146,551,119

Up $11,878,562 (+8.8%) from 2023

Liabilities

Up

$134,842,081

Up $11,089,890 (+9.0%) from 2023

Net Assets

Up

$11,709,038

Up $788,672 (+7.2%) from 2023

Operations
Liabilities / Revenue19th percentileNet Margin54th percentile

Revenue

Up

$9,010,102

Up $945,249 (+12%) from 2023

Expenses

Up

$8,146,834

Up $1,244,534 (+18%) from 2023

Net Income

Down

$863,268

Down $299,285 (-26%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth21st percentile

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

$150M$100M$50M$0Assets 2010: $45,633,436Liabilities 2010: $40,651,438Net Assets 2010: $4,981,9982010Assets 2011: $50,718,796Liabilities 2011: $45,490,636Net Assets 2011: $5,228,1602011Assets 2012: $52,173,844Liabilities 2012: $46,716,321Net Assets 2012: $5,457,5232012Assets 2013: $55,800,323Liabilities 2013: $50,317,772Net Assets 2013: $5,482,5512013Assets 2014: $59,331,004Liabilities 2014: $53,674,721Net Assets 2014: $5,656,2832014Assets 2015: $57,661,158Liabilities 2015: $51,791,294Net Assets 2015: $5,869,8642015Assets 2016: $62,118,631Liabilities 2016: $55,989,408Net Assets 2016: $6,129,2232016Assets 2017: $63,496,688Liabilities 2017: $56,955,256Net Assets 2017: $6,541,4322017Assets 2018: $69,680,509Liabilities 2018: $62,462,793Net Assets 2018: $7,217,7162018Assets 2019: $75,754,337Liabilities 2019: $67,840,140Net Assets 2019: $7,914,1972019Assets 2020: $93,668,948Liabilities 2020: $85,038,279Net Assets 2020: $8,630,6692020Assets 2021: $110,222,675Liabilities 2021: $100,073,680Net Assets 2021: $10,148,9952021Assets 2022: $120,249,330Liabilities 2022: $110,156,262Net Assets 2022: $10,093,0682022Assets 2023: $134,672,557Liabilities 2023: $123,752,191Net Assets 2023: $10,920,3662023Assets 2024: $146,551,119Liabilities 2024: $134,842,081Net Assets 2024: $11,709,0382024

Highlighted filing

2024

Assets$146,551,119
Liabilities$134,842,081
Net Assets$11,709,038
Open 2024 Filing

Operations Trend

Revenue Growth81st percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $2,316,8182010Expenses 2011: $2,132,1792011Revenue 2012: $2,286,188Expenses 2012: $2,056,825Net Income 2012: $229,3632012Revenue 2013: $2,087,112Expenses 2013: $2,062,084Net Income 2013: $25,0282013Revenue 2014: $2,064,029Expenses 2014: $1,890,297Net Income 2014: $173,7322014Revenue 2015: $2,094,673Expenses 2015: $1,881,092Net Income 2015: $213,5812015Revenue 2016: $2,274,933Expenses 2016: $2,015,574Net Income 2016: $259,3592016Revenue 2017: $2,579,827Expenses 2017: $2,167,618Net Income 2017: $412,2092017Revenue 2018: $3,178,101Expenses 2018: $2,501,817Net Income 2018: $676,2842018Revenue 2019: $4,155,886Expenses 2019: $3,459,405Net Income 2019: $696,4812019Revenue 2020: $4,717,402Expenses 2020: $4,000,930Net Income 2020: $716,4722020Revenue 2021: $5,038,481Expenses 2021: $3,520,155Net Income 2021: $1,518,3262021Revenue 2022: $5,311,193Expenses 2022: $5,373,719Net Income 2022: -$62,5262022Revenue 2023: $8,064,853Expenses 2023: $6,902,300Net Income 2023: $1,162,5532023Revenue 2024: $9,010,102Expenses 2024: $8,146,834Net Income 2024: $863,2682024

Highlighted filing

2024

Revenue$9,010,102
Expenses$8,146,834
Net Income$863,268
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$146,551,119
Liabilities
$134,842,081
Net assets
$11,709,038
Revenue
$9,010,102
Expenses
$8,146,834
Net income
$863,268
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$147$135$11.7$9.01$8.15$0.86
2023Detailed filing. Detailed filing data is available for this year.$135$124$10.9$8.06$6.90$1.16
2022Detailed filing. Detailed filing data is available for this year.$120$110$10.1$5.31$5.37$0.06
2021Detailed filing. Detailed filing data is available for this year.$110$100$10.1$5.04$3.52$1.52
2020Detailed filing. Detailed filing data is available for this year.$93.7$85.0$8.63$4.72$4.00$0.72
2019Detailed filing. Detailed filing data is available for this year.$75.8$67.8$7.91$4.16$3.46$0.70
2018Detailed filing. Detailed filing data is available for this year.$69.7$62.5$7.22$3.18$2.50$0.68
2017Detailed filing. Detailed filing data is available for this year.$63.5$57.0$6.54$2.58$2.17$0.41
2016Detailed filing. Detailed filing data is available for this year.$62.1$56.0$6.13$2.27$2.02$0.26
2015Detailed filing. Detailed filing data is available for this year.$57.7$51.8$5.87$2.09$1.88$0.21
2014Detailed filing. Detailed filing data is available for this year.$59.3$53.7$5.66$2.06$1.89$0.17
2013Detailed filing. Detailed filing data is available for this year.$55.8$50.3$5.48$2.09$2.06$0.03
2012Summary only. Only limited summary data is available for this year.$52.2$46.7$5.46$2.29$2.06$0.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.7$45.5$5.23$2.13
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.6$40.7$4.98$2.32
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.1
Gross Receipts
$9,010,102
Mission and Program Overview

Mission

Siskiyou Credit Union is a Non-Profit Financial Cooperative That Provides Services For Their Members Including Savings And Loans. The Mission Of The Credit Union Is To Charge The Least In Their Loans And Pay The Most For Deposits To Its Members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$96,966,847$100,146,000▲ $3,179,153
Investments in Publicly Traded Securities$21,232,702$20,731,183▼ $501,519
Savings and Temporary Cash Investments$1,823,717$12,559,963▲ $10,736,246
Rtn Earn Endowment Incm Other Fnds$10,920,366$11,709,038▲ $788,672
Land, Buildings, and Equipment, Net$7,939,592$8,005,426▲ $65,834
Cash and Non-Interest-Bearing Accounts$991,009$1,864,202▲ $873,193
Prepaid Expenses and Deferred Charges$982,003$931,097▼ $50,906
Investments Other Securities$2,903,999$411,106▼ $2,492,893
Accounts Receivable$13,823$13,823→ $0
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$134,672,557$146,551,119▲ $11,878,562
Other Assets Total$1,818,865$1,888,319▲ $69,454
Liabilities
Other Liabilities$124,390,215$127,574,966▲ $3,184,751
Unsecured Notes Loans Payable-$9,892,872-
Accounts Payable and Accrued Expenses$-638,024$-2,625,757▼ $1,987,733
Total Liabilities$123,752,191$134,842,081▲ $11,089,890
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,920,366$11,709,038▲ $788,672
Total Liabilities and Net Assets / Fund Balance$134,672,557$146,551,119▲ $11,878,562

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,672,499$412,167$7,084,666
Equipment$517,649$651,886$1,169,535
Other Land Buildings$178,791$892,585$1,071,376
Land$542,439-$542,439
Leasehold Improvements$94,048$5,952$100,000
Compensation and Service Providers
Top Officer Pay39th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christine CooperCOOFT$134,799$14,509$149,308
Heather RizzoCEOFT$132,116$14,209$146,325
Becky IvesCEO (former)FT$63,298$20,436$83,734

Board Members and Trustees

NameTitle
Paul MccoyChairman
Grace BennettDirector
Kathleen BergeronDirector
Kristin LeaDirector
Marcus RobinsonDirector
Maryann MunsonDirector
Quintin GaddyDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Cook Solutions Group IncAtm Services9225 NE Cascades Parkway, Portland, OR 97220$201,478
CmcflexData Processing8520 South Sandy Parkway, Sandy, UT 84070$187,625
Anthem Blue CrossHealth InsurancePO Box 51011, Los Angeles, CA 90051$179,486
LoomisCash/atm ManagementPO Box 120757, Dallas, TX 75312$151,783
UnitasInsurance6543 Commerce Parkway STE M, Dublin, OH 43017$111,320
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,027,825
Investment Income
$982,277
Other Revenue
$0
Change in Net Assets
$863,268
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,959,739
Salaries, Compensation, and Employee Benefits$2,187,095
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,466,089
Interest---$1,457,801
Office Expenses---$610,655
Occupancy---$481,806
Current Officers, Directors, Trustees, and Key Employees---$295,633
Other Employee Benefits---$227,568
Information Technology---$171,801
Payroll Taxes---$145,208
Advertising---$110,258
Travel---$74,729
Pension Plan Contributions---$52,597
Insurance---$44,505
Other Expenses---$25,320
All Other Expenses---$21,757
Fees for Service Investment Mgmnt Fees---$3,039
Fees for Services Legal---$700
Total Functional Expenses$0$0$0$8,146,834
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
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$127,539,446
Other Liabilities$35,520
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Section 501c14 credit union is composed of members”

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

“Members vote on bylaws and charter changes. Members vote and elect board members at annual meeting.”

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

“Mergers are voted on by entire membership”

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

“Management reviews tax returns and forwards us form 8879-te to tax preparer. Board of directors reviews filed tax return at next scheduled meeting.”

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

“Employee loans are management approved. Management loans are board approved. Loans to board members are approved by the board with the lendee obstaining”

Form 990, Part VI, Section B, Line 15A

“Executive and employee salaries are board reviewed and approved. Board of directors are volunteers and not compensated”

Form 990, Part VI, Section B, Line 15B

“The CEO Determines key employees compensation”

Form 990, Part VI, Section C, Line 19

“Credit union bylaws are available upon request at the credit unions main office. Quarterly financial statements are displayed in the lobby which is accesible to the general public. Quarterly financial performance form 5300 call report are available at ncua.gov for all federally insured credit unions.”

Filing and Contact Details

Filer

Filer Name
Siskiyou Credit Union
EIN
94-1588778
Phone
5308421694
Address
PO BOX 1125, YREKA, CA 96097

Signing Officer

Name
Heather Rizzo
Title
President & CEO
Signed
2025-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Heather Rizzo
Formed
1962
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
45
Volunteers
10

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Donald E Lingerfelt
Phone
8005225820
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“One time cecl adjustment = -$74596”

Raw XML AppendixShowing 400 of 461 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/Form990PartVIISectionAGrp/PersonNm3KATHLEEN BERGERON
IRS990/Form990PartVIISectionAGrp/PersonNm4PAUL MCCOY
IRS990/Form990PartVIISectionAGrp/PersonNm5MARYANN MUNSON
IRS990/Form990PartVIISectionAGrp/PersonNm6QUINTIN GADDY
IRS990/Form990PartVIISectionAGrp/PersonNm7GRACE BENNETT
IRS990/Form990PartVIISectionAGrp/PersonNm8KRISTIN LEA
IRS990/Form990PartVIISectionAGrp/PersonNm9MARCUS ROBINSON
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1132116
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt263298
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
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IRS990/Form990PartVIISectionAGrp/TitleTxt4Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
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IRS990/InsuranceGrp/TotalAmt044505
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IRS990/InterestGrp/TotalAmt01457801
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0411106
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt020731183
IRS990/IRPDocumentCnt01310
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IRS990/LandBldgEquipAccumDeprecAmt01962590
IRS990/LandBldgEquipBasisNetGrp/BOYAmt07939592
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08005426
IRS990/LandBldgEquipCostOrOtherBssAmt09968016
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IRS990/LocalChaptersInd0false
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IRS990/MembersOrStockholdersInd0true
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IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Siskiyou Credit Union is a Non-Profit Financial Cooperative That Provides Services For Their Members Including Savings And Loans. The Mission Of The Credit Union Is To Charge The Least In Their Loans And Pay The Most For Deposits To Its Members.
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IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
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IRS990/OccupancyGrp/TotalAmt0481806
IRS990/OfficeExpensesGrp/TotalAmt0610655
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
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IRS990/OtherAssetsTotalGrp/BOYAmt01818865
IRS990/OtherAssetsTotalGrp/EOYAmt01888319
IRS990/OtherChangesInNetAssetsAmt0-74596
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0227568
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2PRO SERVICES
IRS990/OtherExpensesGrp/Desc3MISC
IRS990/OtherExpensesGrp/TotalAmt01745866
IRS990/OtherExpensesGrp/TotalAmt1791967
IRS990/OtherExpensesGrp/TotalAmt2419535
IRS990/OtherExpensesGrp/TotalAmt325320
IRS990/OtherLiabilitiesGrp/BOYAmt0124390215
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt096966847
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0100146000
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0145208
IRS990/PensionPlanContributionsGrp/TotalAmt052597
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
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IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0982003
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0931097
IRS990/PrincipalOfficerNm0HEATHER RIZZO
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IRS990/ProgramServiceRevenueGrp/BusinessCd0523940
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
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IRS990/ProgramServiceRevenueGrp/Desc0CONSULTING
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND OTHER CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2INSURANCE FEES
IRS990/ProgramServiceRevenueGrp/Desc3INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc4NON-MEMBER ATM
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01463700
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt16528339
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06879
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11463700
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt210163
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt36528339
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt418744
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt06879
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt110163
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt218744
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IRS990/PYInvestmentIncomeAmt01089343
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt05004432
IRS990/PYProgramServiceRevenueAmt06975510
IRS990/PYRevenuesLessExpensesAmt01162553
IRS990/PYSalariesCompEmpBnftPaidAmt01897868
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IRS990/PYTotalRevenueAmt08064853
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0863268
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990/RoyaltiesGrp/TotalAmt00
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt011709038
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt012559963
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt0412167
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07084666
IRS990ScheduleD/EquipmentGrp/BookValueAmt0517649
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0651886
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01169535
IRS990ScheduleD/LandGrp/BookValueAmt0542439
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0542439
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt094048
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt05952
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0100000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0178791
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0892585
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01071376
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt035520
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1127539446
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08005426
IRS990ScheduleD/TotalLiabilityAmt0127574966
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt063298
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt04901
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt015535
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0BECKY IVES
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO (FORMER)
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt083734
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SECTION 501C14 CREDIT UNION IS COMPOSED OF MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS VOTE ON BYLAWS AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS AT ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MERGERS ARE VOTED ON BY ENTIRE MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-TE TO TAX PREPARER. BOARD OF DIRECTORS REVIEWS FILED TAX RETURN AT NEXT SCHEDULED MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EMPLOYEE LOANS ARE MANAGEMENT APPROVED. MANAGEMENT LOANS ARE BOARD APPROVED. LOANS TO BOARD MEMBERS ARE APPROVED BY THE BOARD WITH THE LENDEE OBSTAINING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE VOLUNTEERS AND NOT COMPENSATED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The CEO Determines key employees compensation
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CREDIT UNION BYLAWS ARE AVAILABLE UPON REQUEST AT THE CREDIT UNIONS MAIN OFFICE. QUARTERLY FINANCIAL STATEMENTS ARE DISPLAYED IN THE LOBBY WHICH IS ACCESIBLE TO THE GENERAL PUBLIC. QUARTERLY FINANCIAL PERFORMANCE FORM 5300 CALL REPORT ARE AVAILABLE AT NCUA.GOV FOR ALL FEDERALLY INSURED CREDIT UNIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ONE TIME CECL ADJUSTMENT = -$74596
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 A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part XI, Line 9
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IRS990/SubjectToProxyTaxInd0false
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IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt0146551119
IRS990/TotalAssetsGrp/BOYAmt0134672557
IRS990/TotalAssetsGrp/EOYAmt0146551119
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00

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