Civic Intelligence

Keypoint Credit Union

990 • Fiscal year 2015 • EIN 94-2600376

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 09, 2016

2805 Bowers AvenueSanta Clara, CA 95051

(408) 731-4100

Siviq Scores

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

Liabilities / Assets

88th percentile

0.92x

Higher debt load relative to assets than 88% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Liabilities / Revenue

70th percentile

22.00x

Higher debt load relative to revenue than 70% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Net Margin

32nd percentile

15%

Higher net margin than 32% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Top Officer Pay

42nd percentile

$762,997

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Asset Growth

34th percentile

7.2%

Faster asset growth than 34% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Revenue Growth

38th percentile

5.7%

Faster revenue growth than 38% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Assets

Up

$1,007,159,964

Up $67,934,431 (+7.2%) from 2014

Net Assets

Up

$84,036,239

Up $5,734,638 (+7.3%) from 2014

Liabilities

Up

$923,123,725

Up $62,199,793 (+7.2%) from 2014

Revenue

Up

$41,967,037

Up $2,263,911 (+5.7%) from 2014

Expenses

Up

$35,657,021

Up $2,318,295 (+7.0%) from 2014

Net Income

Down

$6,310,016

Down $54,384 (-0.9%) from 2014

Historical Trend

Balance Sheet Trend

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

$2.0B$1.5B$1.0B$500M$0Assets 2010: $739,233,904Liabilities 2010: $677,743,148Net Assets 2010: $61,490,7562010Assets 2011: $751,916,749Liabilities 2011: $686,934,036Net Assets 2011: $64,982,7132011Assets 2012: $785,628,360Liabilities 2012: $718,640,019Net Assets 2012: $66,988,3412012Assets 2013: $865,890,206Liabilities 2013: $796,717,327Net Assets 2013: $69,172,8792013Assets 2014: $939,225,533Liabilities 2014: $860,923,932Net Assets 2014: $78,301,6012014Assets 2015: $1,007,159,964Liabilities 2015: $923,123,725Net Assets 2015: $84,036,2392015Assets 2016: $1,070,888,231Liabilities 2016: $980,552,795Net Assets 2016: $90,335,4362016Assets 2017: $1,200,503,152Liabilities 2017: $1,105,725,189Net Assets 2017: $94,777,9632017Assets 2018: $1,287,458,904Liabilities 2018: $1,185,792,728Net Assets 2018: $101,666,1762018Assets 2019: $1,295,433,092Liabilities 2019: $1,186,653,340Net Assets 2019: $108,779,7522019Assets 2020: $1,496,633,127Liabilities 2020: $1,382,499,763Net Assets 2020: $114,133,3642020Assets 2021: $1,639,289,410Liabilities 2021: $1,503,576,834Net Assets 2021: $135,712,5762021Assets 2022: $1,806,959,309Liabilities 2022: $1,689,747,484Net Assets 2022: $117,211,8252022Assets 2023: $1,679,667,006Liabilities 2023: $1,570,897,171Net Assets 2023: $108,769,8352023Assets 2024: $1,602,390,335Liabilities 2024: $1,486,591,497Net Assets 2024: $115,798,8382024

Highlighted filing

2015

Assets$1,007,159,964
Liabilities$923,123,725
Net Assets$84,036,239

Operations Trend

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

$100M$50M$0Expenses 2010: $36,086,5552010Expenses 2011: $33,581,0272011Expenses 2012: $30,611,3832012Revenue 2013: $34,287,647Expenses 2013: $29,980,008Net Income 2013: $4,307,6392013Revenue 2014: $39,703,126Expenses 2014: $33,338,726Net Income 2014: $6,364,4002014Revenue 2015: $41,967,037Expenses 2015: $35,657,021Net Income 2015: $6,310,0162015Revenue 2016: $44,715,217Expenses 2016: $36,614,401Net Income 2016: $8,100,8162016Revenue 2017: $48,882,984Expenses 2017: $43,974,852Net Income 2017: $4,908,1322017Revenue 2018: $60,051,027Expenses 2018: $52,144,189Net Income 2018: $7,906,8382018Revenue 2019: $55,987,067Expenses 2019: $52,479,549Net Income 2019: $3,507,5182019Revenue 2020: $51,308,722Expenses 2020: $48,833,778Net Income 2020: $2,474,9442020Revenue 2021: $79,301,836Expenses 2021: $51,441,704Net Income 2021: $27,860,1322021Revenue 2022: $69,312,506Expenses 2022: $62,512,294Net Income 2022: $6,800,2122022Revenue 2023: $75,923,809Expenses 2023: $70,460,546Net Income 2023: $5,463,2632023Revenue 2024: $80,303,046Expenses 2024: $76,254,114Net Income 2024: $4,048,9322024

Highlighted filing

2015

Revenue$41,967,037
Expenses$35,657,021
Net Income$6,310,016
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 9, 2016
Return Version
2015v2.1
Gross Receipts
$42,034,100
Mission and Program Overview

Mission

Keypoint credit union is a cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at competitive rates of interest, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, keypoint credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefit, or service of the credit union being distributed to its members as patrons.

A cooperative, organized for the purpose of promoting thrift and savings among its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$766,793,026$832,711,555▲ $65,918,529
Investments in Publicly Traded Securities$70,878,584$95,720,949▲ $24,842,365
Rtn Earn Endowment Incm Other Fnds$78,301,601$84,036,239▲ $5,734,638
Investments Other Securities$41,916,351$21,020,701▼ $20,895,650
Land, Buildings, and Equipment, Net$15,405,467$15,607,875▲ $202,408
Savings and Temporary Cash Investments$18,311,213$13,227,599▼ $5,083,614
Cash and Non-Interest-Bearing Accounts$8,195,510$11,416,654▲ $3,221,144
Prepaid Expenses and Deferred Charges$3,907,693$4,179,367▲ $271,674
Receivables From Officers Etc$669,901$1,597,773▲ $927,872
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$939,225,533$1,007,159,964▲ $67,934,431
Other Assets Total$13,147,788$11,677,491▼ $1,470,297
Liabilities
Other Liabilities$801,444,725$869,279,854▲ $67,835,129
Mortgage Notes Payable Secured by Investment Property$50,000,000$36,000,000▼ $14,000,000
Accounts Payable and Accrued Expenses$9,438,525$17,397,726▲ $7,959,201
Escrow Account Liability-$419,943-
Deferred Revenue$40,682$26,202▼ $14,480
Total Liabilities$860,923,932$923,123,725▲ $62,199,793
Net Assets / Fund Balance
Total Net Assets Fund Balance$78,301,601$84,036,239▲ $5,734,638
Total Liabilities and Net Assets / Fund Balance$939,225,533$1,007,159,964▲ $67,934,431

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,610,863$13,079,115$16,689,978
Buildings$5,240,583$2,866,348$8,106,931
Land$6,000,000-$6,000,000
Leasehold Improvements$756,429$1,507,853$2,264,282
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ted CanfieldPresident/Chief Executive OfficerFT$378,148$384,849$762,997
samuel Tuoheychief operating officerFT$236,811$88,092$324,903
Helen GraysSVP Business and Community DevelopmentFT$278,125$33,884$312,009
Helen GraysSVP Business and Community Developme-$177,830$134,179$312,009
faye nabhanichief lending officerFT$210,031$101,809$311,840
Timothy GreenChief Finance OfficerFT$227,291$61,771$289,062
LeeAnne GiblinSVP Human ResourcesFT$189,033$54,087$243,120
Douglas SchrockVP FinanceFT$157,375$69,899$227,274
Lawrence ScoffieldVP Corporate AdminFT$152,393$60,140$212,533
Steven WeilerSVP Commercial BankingFT$139,206$72,671$211,877
Tisha HartmanVP Retail LendingFT$156,824$51,939$208,763
Arie ElkinsVP IT InfrastructureFT$135,132$73,536$208,668
Victor SmilgysVP IT EservicesFT$143,410$61,776$205,186
Dash McElroyOSI System ManagerFT$125,449$57,665$183,114
Jeff AanaCommercial Real Estate Sales ManagerFT$102,466$75,277$177,743
Kevin ArmstrongDirector Consumer LendingFT$122,617$48,718$171,335
Ajay KumarChief Information OfficerFT$130,881$31,919$162,800
Shiou-lin ChenDirector Financial ReportingFT$123,515$38,415$161,930
Lori HardingVP Branch OperationsFT$114,201$45,828$160,029
Michael IvezicVP AuditFT$134,985$13,530$148,515
Omar HilarioHelpdesk Support ManagerFT$132,013$7,915$139,928

Board Members and Trustees

NameTitle
John TomChairperson
adam corkinsVice Chairperson
Baljinder SandhuBoard Member
Bunninder FalakBoard Member
Dinesh BettadapurBoard Member
Keith StattenfieldBoard Member
Robert LernerBoard Member
suzanne rakowBoard Member
gregory ebyBoard Secretary & Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservCore System Servicing455 WINDING BROOK DRIVE, Glastonbury, CT 06033$2,247,895
Cu Cooperative Systems INCDebit/credit Card Network Servicing9692 HAVEN AVENUE, Rancho Cucamonga, CA 91730$521,568
Diebold Global Finance CorporationAtm Servicing5995 MAYFAIR ROAD PO BOX 3077, NORTH Canton, OH 44750$352,039
Visa DpsDebit/credit Card ServicingFILE NO 73583 PO BOX 60000, San Francisco, CA 94160$339,778
Ronald L Schultz-billboard connectionadvertising1182 folsom street, saN FRANCISCO, CA 94103$276,620
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$38,015,192
Investment Income
$4,014,265
Other Revenue
$-62,420
Change in Net Assets
$6,310,016
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$18,696,822
Other Expenses$16,955,199
Grants and Similar Amounts Paid$5,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$11,491,386
Current Officers, Directors, Trustees, and Key Employees---$4,157,217
Fees for Services Other---$3,301,408
Interest---$2,331,812
Occupancy---$2,175,841
Other Employee Benefits---$1,720,485
Depreciation Depletion---$1,599,921
Payroll Taxes---$1,131,723
Office Expenses---$1,067,628
All Other Expenses---$1,014,925
Information Technology---$984,903
Advertising---$942,855
Conferences and Meetings---$471,038
Pension Plan Contributions---$196,011
Fees for Services Legal---$164,001
Fees for Services Accounting---$107,528
Travel---$44,047
Grants to Domestic Orgs---$5,000
Other Expenses---$1,392
Total Functional Expenses$0$0$0$35,657,021
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Total Exempt Function Spending$4,636

Section 527 Organizations

OrganizationLocationAmount
94-0357265Ontario, CA$4,636
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$669,901$1,597,773▲ $927,872
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES$868,933,533
Other Miscellaneous Liabilities$346,321
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

Keypoint credit union is a cooperative financial institution that is owned and controlled by its members, and operated for the purpose of promoting thrift and savings to its members. The credit union does not have stockholders.

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

The governing board of keypoint credit union is comprised of volunteer members who are directly elected by its members. Each member of the governing board serves for a period of three years and until their successors shall have been elected.

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

At the end of each term of the board members, elections are held and board members are voted by the members of the credit union pursuant to its by-laws. Member votes are also required to ratify decisions dealing with reorganizations as in the case of merger or dissolution.

Form 990, Part VI, Section B, line 11

A copy of the 990 is made available to board members who wish to have a copy or review it.

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

Per the credit union's conflict of interest policy, directors, volunteers and employees are required to disclose their interests that could give rise to conflicts of interest. The policy was most recently reviewed and approved by the board of directors on february 25, 2016. For the enforcement of the conflict of interest policy, the internal auditor reviews account activity for all directors, volunteers, and employees and their interests. In addition, the accounts payable system is reviewed to ensure propriety of any potential conflicts of interest as applicable. The credit union also maintains a policy that no immediate family members of the board of directors or supervisory committee members may become employees of the credit union until two years have elapsed since their volunteer service with the credit union ended. The credit union does allow directors, volunteers and employees to apply for loans that the credit union offers to its membership. All loan applications for vice-presidents and above, volunteers and board members require the approval of the board of directors. Directors are restricted from participating in the deliberations and voting in a transaction that pertains to them.

Form 990, Part VI, Section B, line 15

The compensation of the ceo is determined by the compensation committee of the credit union. All vp positions and above are reviewed for market place compensation and salary ranges are recommended for adjustment based on survey information. The ceo approves the recommendation for salary structure change. After a performance review is written and rating is determined, a merit increase is set by the formula of where the individual falls into the range and performance level. The recommendation for merit increase is approved overall by the individual department vp or evp. The overall group is approved by the ceo.

Form 990, Part VI, Section C, line 19

Governing documents and conflict of interest policy are not made available to the public. Financial Statements are posted in the branch offices monthly.

Filing and Contact Details

Filer

Filer Name
KeyPoint Credit Union
EIN
94-2600376
Phone
4087314100
Address
2805 Bowers Avenue, Santa Clara, CA 95051

Signing Officer

Name
Timothy Green
Title
CFO
Phone
4087314100
Signed
2016-11-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
T Bradford Canfield
Formed
1979
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
232
Volunteers
12

Preparer

Firm
Moss Adams LLP
Address
101 Second Street Suite 900, San Francisco, CA 94105
Preparer
Wendy Campos
Phone
4159561500
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

Book to tax difference in investment income 70,457.

Financial Statement Notes

Part IV, Line 2B:

Custodial accounts for FHLB program loan servicer and escrow account related to hazard insurance and property tax on mortgage loan properties.

Part X, Line 2:

Income taxes - The Credit Union is exempt by statute from federal and state income taxes, except for taxes on unrelated business income, as further discussed in Note 11. The Credit Union's wholly owned subsidiaries are taxable entities, and income taxes related to subsidiaries for 2015 and 2014 were not material to the consolidated financial statements and are included in other operating expenses in the accompanying consolidated statements of income. Financial Accounting Standards Board ("FASB") Accounting Standards Codification ("ASC") 740-10-65, Income Taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed, and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the Credit Union's tax returns to determine whether the tax positions are more likely than not of being sustained when challenged or when examined by the applicable tax authority. Tax positions not deemed to meet the more likely than not threshold would be recorded as tax expenses and liabilities in the current year. For the years ended December 31, 2015 and 2014, management has determined that there are no material uncertain tax positions and, accordingly, has not recorded a liability for the payment of interest or penalties.

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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/OtherCompensationAmt287915
IRS990/Form990PartVIISectionAGrp/PersonNm0John Tom
IRS990/Form990PartVIISectionAGrp/PersonNm1adam corkins
IRS990/Form990PartVIISectionAGrp/PersonNm2gregory eby
IRS990/Form990PartVIISectionAGrp/PersonNm3Keith Stattenfield
IRS990/Form990PartVIISectionAGrp/PersonNm4Robert Lerner
IRS990/Form990PartVIISectionAGrp/PersonNm5suzanne rakow
IRS990/Form990PartVIISectionAGrp/PersonNm6Baljinder Sandhu
IRS990/Form990PartVIISectionAGrp/PersonNm7Dinesh Bettadapur
IRS990/Form990PartVIISectionAGrp/PersonNm8Bunninder Falak
IRS990/Form990PartVIISectionAGrp/PersonNm9TED CANFIELD
IRS990/Form990PartVIISectionAGrp/PersonNm10Timothy Green
IRS990/Form990PartVIISectionAGrp/PersonNm11samuel Tuohey
IRS990/Form990PartVIISectionAGrp/PersonNm12faye nabhani
IRS990/Form990PartVIISectionAGrp/PersonNm13Ajay Kumar
IRS990/Form990PartVIISectionAGrp/PersonNm14HELEN GRAYS
IRS990/Form990PartVIISectionAGrp/PersonNm15LeeAnne Giblin
IRS990/Form990PartVIISectionAGrp/PersonNm16Steven Weiler
IRS990/Form990PartVIISectionAGrp/PersonNm17DOUGLAS SCHROCK
IRS990/Form990PartVIISectionAGrp/PersonNm18Tisha Hartman
IRS990/Form990PartVIISectionAGrp/PersonNm19Lawrence Scoffield
IRS990/Form990PartVIISectionAGrp/PersonNm20Victor Smilgys
IRS990/Form990PartVIISectionAGrp/PersonNm21Arie Elkins
IRS990/Form990PartVIISectionAGrp/PersonNm22Lori Harding
IRS990/Form990PartVIISectionAGrp/PersonNm23Michael Ivezic
IRS990/Form990PartVIISectionAGrp/PersonNm24Jeff Aana
IRS990/Form990PartVIISectionAGrp/PersonNm25Dash McElroy
IRS990/Form990PartVIISectionAGrp/PersonNm26Kevin Armstrong
IRS990/Form990PartVIISectionAGrp/PersonNm27Shiou-lin Chen
IRS990/Form990PartVIISectionAGrp/PersonNm28Omar Hilario
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Secretary & Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9President/Chief Executive Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt10Chief Finance Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt11chief operating officer
IRS990/Form990PartVIISectionAGrp/TitleTxt12chief lending officer
IRS990/Form990PartVIISectionAGrp/TitleTxt13Chief Information Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP Business and Community Development
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP Human Resources
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP Commercial Banking
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP Retail Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP Corporate Admin
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP IT Eservices
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP IT Infrastructure
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP Branch Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt23VP Audit
IRS990/Form990PartVIISectionAGrp/TitleTxt24Commercial Real Estate Sales Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt25OSI System Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt26Director Consumer Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt27Director Financial Reporting
IRS990/Form990PartVIISectionAGrp/TitleTxt28Helpdesk Support Manager
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01979
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0119207
IRS990/GamingActivitiesInd00
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IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0KEYPOINT CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT COMPETITIVE RATES OF INTEREST, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, KEYPOINT CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFIT, OR SERVICE OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
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IRS990/OfficeExpensesGrp/TotalAmt01067628
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt01720485
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2ATM EXPENSE
IRS990/OtherExpensesGrp/Desc3PROVISION FOR TAXES
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IRS990/OtherExpensesGrp/TotalAmt1950862
IRS990/OtherExpensesGrp/TotalAmt2672038
IRS990/OtherExpensesGrp/TotalAmt31392
IRS990/OtherLiabilitiesGrp/BOYAmt0801444725
IRS990/OtherLiabilitiesGrp/EOYAmt0869279854
IRS990/OtherRevenueMiscGrp/BusinessCd0522291

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,602$1,487$116$80.3$76.3$4.05
2023Detailed filing. Detailed filing data is available for this year.$1,680$1,571$109$75.9$70.5$5.46
2022Detailed filing. Detailed filing data is available for this year.$1,807$1,690$117$69.3$62.5$6.80
2021Detailed filing. Detailed filing data is available for this year.$1,639$1,504$136$79.3$51.4$27.9
2020Detailed filing. Detailed filing data is available for this year.$1,497$1,382$114$51.3$48.8$2.47
2019Detailed filing. Detailed filing data is available for this year.$1,295$1,187$109$56.0$52.5$3.51
2018Detailed filing. Detailed filing data is available for this year.$1,287$1,186$102$60.1$52.1$7.91
2017Detailed filing. Detailed filing data is available for this year.$1,201$1,106$94.8$48.9$44.0$4.91
2016Detailed filing. Detailed filing data is available for this year.$1,071$981$90.3$44.7$36.6$8.10
2015Detailed filing. Detailed filing data is available for this year.$1,007$923$84.0$42.0$35.7$6.31
2014Detailed filing. Detailed filing data is available for this year.$939$861$78.3$39.7$33.3$6.36
2013Detailed filing. Detailed filing data is available for this year.$866$797$69.2$34.3$30.0$4.31
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$786$719$67.0$30.6
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$752$687$65.0$33.6
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$739$678$61.5$36.1