Civic Intelligence

Eagle Community Credit Union

990 • Fiscal year 2013 • EIN 95-1068549

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 05, 2014

23021 Lake Center Drive92630

(949) 588-9400

Siviq Scores

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

Liabilities / Assets

95th percentile

0.93x

Higher debt load relative to assets than 95% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

75th percentile

20.84x

Higher debt load relative to revenue than 75% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

31st percentile

6.2%

Higher net margin than 31% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

89th percentile

$320,118

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 3.5% of source-year revenue.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Asset Growth

20th percentile

0.0%

Faster asset growth than 20% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Assets

Up

$205,022,817

Up $45,611 (+0.0%) from 2012

Net Assets

Down

$14,229,473

Down $2,193,598 (-13%) from 2012

Liabilities

Up

$190,793,344

Up $2,239,209 (+1.2%) from 2012

Revenue

$9,156,701

No earlier filing loaded for comparison.

Expenses

Down

$8,589,069

Down $308,082 (-3.5%) from 2012

Net Income

$567,632

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$400M$300M$200M$100M$0Assets 2010: $185,775,990Liabilities 2010: $172,282,215Net Assets 2010: $13,493,7752010Assets 2011: $201,021,683Liabilities 2011: $184,918,675Net Assets 2011: $16,103,0082011Assets 2012: $204,977,206Liabilities 2012: $188,554,135Net Assets 2012: $16,423,0712012Assets 2013: $205,022,817Liabilities 2013: $190,793,344Net Assets 2013: $14,229,4732013Assets 2014: $216,750,775Liabilities 2014: $200,499,188Net Assets 2014: $16,251,5872014Assets 2015: $222,406,518Liabilities 2015: $204,571,831Net Assets 2015: $17,834,6872015Assets 2016: $234,427,566Liabilities 2016: $215,641,190Net Assets 2016: $18,786,3762016Assets 2017: $245,795,637Liabilities 2017: $222,773,461Net Assets 2017: $23,022,1762017Assets 2018: $257,314,625Liabilities 2018: $233,382,153Net Assets 2018: $23,932,4722018Assets 2019: $259,201,721Liabilities 2019: $232,994,763Net Assets 2019: $26,206,9582019Assets 2020: $307,727,164Liabilities 2020: $280,042,865Net Assets 2020: $27,684,2992020Assets 2021: $329,547,938Liabilities 2021: $299,044,005Net Assets 2021: $30,503,9332021Assets 2022: $359,509,563Liabilities 2022: $326,596,117Net Assets 2022: $32,913,4462022Assets 2023: $352,378,562Liabilities 2023: $317,245,134Net Assets 2023: $35,133,4282023Assets 2024: $356,941,911Liabilities 2024: $319,860,879Net Assets 2024: $37,081,0322024

Highlighted filing

2013

Assets$205,022,817
Liabilities$190,793,344
Net Assets$14,229,473

Operations Trend

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

$30M$20M$10M$0Expenses 2010: $9,597,1592010Expenses 2011: $9,770,6982011Expenses 2012: $8,897,1512012Revenue 2013: $9,156,701Expenses 2013: $8,589,069Net Income 2013: $567,6322013Revenue 2014: $9,541,576Expenses 2014: $9,160,251Net Income 2014: $381,3252014Revenue 2015: $10,164,964Expenses 2015: $8,680,870Net Income 2015: $1,484,0942015Revenue 2016: $10,431,561Expenses 2016: $9,261,266Net Income 2016: $1,170,2952016Revenue 2017: $15,740,957Expenses 2017: $11,645,840Net Income 2017: $4,095,1172017Revenue 2018: $12,804,503Expenses 2018: $11,793,413Net Income 2018: $1,011,0902018Revenue 2019: $14,171,687Expenses 2019: $12,746,495Net Income 2019: $1,425,1922019Revenue 2020: $15,035,835Expenses 2020: $14,028,875Net Income 2020: $1,006,9602020Revenue 2021: $17,550,263Expenses 2021: $14,533,087Net Income 2021: $3,017,1762021Revenue 2022: $21,896,968Expenses 2022: $18,439,711Net Income 2022: $3,457,2572022Revenue 2023: $26,775,928Expenses 2023: $24,543,831Net Income 2023: $2,232,0972023Revenue 2024: $28,059,143Expenses 2024: $26,333,188Net Income 2024: $1,725,9552024

Highlighted filing

2013

Revenue$9,156,701
Expenses$8,589,069
Net Income$567,632
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 5, 2014
Return Version
2013v3.0
Gross Receipts
$36,559,307
Mission and Program Overview

Mission

See schedule oeagle community 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 rates of interest set by the board of directors, 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, eagle community credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services 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
Investments Program Related$98,057,130$113,257,300▲ $15,200,170
Investments in Publicly Traded Securities$85,371,445$64,266,270▼ $21,105,175
Savings and Temporary Cash Investments$10,223,746$15,560,966▲ $5,337,220
Rtn Earn Endowment Incm Other Fnds$16,423,071$14,229,473▼ $2,193,598
Land, Buildings, and Equipment, Net$3,548,489$3,276,229▼ $272,260
Cash and Non-Interest-Bearing Accounts$1,611,807$1,677,425▲ $65,618
Prepaid Expenses and Deferred Charges$323,180$282,852▼ $40,328
Receivables From Officers Etc-$65,434-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$204,977,206$205,022,817▲ $45,611
Other Assets Total$5,841,409$6,636,341▲ $794,932
Liabilities
Other Liabilities$185,928,111$188,380,981▲ $2,452,870
Accounts Payable and Accrued Expenses$2,626,024$2,412,363▼ $213,661
Total Liabilities$188,554,135$190,793,344▲ $2,239,209
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,423,071$14,229,473▼ $2,193,598
Total Liabilities and Net Assets / Fund Balance$204,977,206$205,022,817▲ $45,611

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$544,212$3,886,477$4,430,689
Leasehold Improvements$561,020$1,339,311$1,900,331
Land$1,792,400-$1,792,400
Buildings$378,597$973,367$1,351,964
Investment Program Related Org$1,439,552--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
William BirniePresident & CEOFT$186,424$133,694$320,118
Andrew Scott RainsCFOFT$124,604$34,103$158,707
Susan HussVP of LendingFT$121,714$11,571$133,285
Frank Brad TrussoVP of ItFT$113,327$15,446$128,773

Board Members and Trustees

NameTitle
Neil Mills-mazerBoard Chairman
Michael BrownSupv Cmte Chairperson
Charles MorrisBoard Vice-chairman
Diane LeinweberBoard Member
Duane AndersonBoard Member
Louis FloresBoard Member
Miles FriedmanBoard Member
Robert JeffreyBoard Secretary
Brenda AndersonSupv Cmte Member
Steven HarbackSupv Cmte Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,199,331
Investment Income
$1,857,745
Other Revenue
$99,625
Change in Net Assets
$567,632
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$4,349,053
Other Expenses$4,237,091
Grants and Similar Amounts Paid$2,925
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,896,430
Office Expenses---$1,448,316
Other Employee Benefits---$743,763
Interest---$598,461
Current Officers, Directors, Trustees, and Key Employees---$592,113
Depreciation Depletion---$455,642
Occupancy---$433,532
Advertising---$316,309
Travel---$175,614
Pension Plan Contributions---$116,747
Insurance---$106,413
Information Technology---$97,322
Fees for Services Other---$72,175
Fees for Services Legal---$41,718
Fees for Services Accounting---$29,490
Other Expenses---$20,702
Grants to Domestic Orgs---$2,925
Total Functional Expenses$0$0$0$8,589,069
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 Officers, Directors, Trustees, and Key Employees-$65,434-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$52,545,844
Money Market Shares$42,542,136
Share Certificates$36,186,440
Share Drafts$35,450,014
Ira/keogh Accounts$20,264,547
Nonmember Deposits$1,392,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

Eagle community 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. Eagle community credit union does not have stockholders.

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

The governing board of eagle community credit union is comprised of volunteer members who are directly elected by its members. Each member of the governing board serves for a period as prescribed by our by-laws.

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

Form 990 review process: the return preparer e-mails a draft of the form 990 to the organization's auditor who then forwards the draft to a designated board member(s) and/or ceo for review. Both the auditor and designated individual(s) review the draft and present any questions, comments, or corrections to the return preparer. Upon satisfactory completion of the form 990, the organization's authorized individual signs the appropriate signature form(s) to authorize the electronic filing of the return. A copy of the form 990, as filed, is provided by the return preparer to the organization's ceo or other designated individual(s).

Form 990, Part VI, Section B, Line 15

Compensation review & approval process for ceo, exec. Dir., or top mgmt: the organization uses salary surveys and annual reviews. Form 990, part vi, line 15b: compensation review & approval process for officers & key employees: the organization uses salary survey and annual reviews.

Form 990, Part VI, Section C, Line 19

Other organization documents publicly available: governing documents are posted in the lobby and copies are available upon request.

Filing and Contact Details

Filer

EIN
95-1068549
Phone
9495889400

Signing Officer

Name
Scott Rains
Title
CFO
Phone
9496397842
Signed
2014-11-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Scott Rains
Formed
1937
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
75
Volunteers
10

Preparer

Preparer
Valentino Creus CPA
Phone
8189549700
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

The organization has not changed either its oversight process or selection process during the tax year.

Financial Statement Notes

PART X, LINE 2:

Fasb 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 a tax expense and liability in the current year. For the year ended september 30, 2013, management has determined that there are no material uncertain tax positions.

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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO
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IRS990/InvestmentsProgramRelatedGrp/EOYAmt0113257300
IRS990/InvestmentsPubTradedSecGrp/BOYAmt085371445
IRS990/InvestmentsPubTradedSecGrp/EOYAmt064266270
IRS990/IRPDocumentCnt03434
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt06199155
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03548489
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03276229
IRS990/LandBldgEquipCostOrOtherBssAmt09475384
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt027402606
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0SEE SCHEDULE OEAGLE COMMUNITY 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 RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, 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, EAGLE COMMUNITY CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt016423071
IRS990/NetAssetsOrFundBalancesEOYAmt014229473
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0158296
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0158296
IRS990/NetUnrelatedBusTxblIncmAmt0-338204
IRS990/NetUnrlzdGainsLossesInvstAmt0-2761230
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0433532
IRS990/OfficeExpensesGrp/TotalAmt01448316
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05841409
IRS990/OtherAssetsTotalGrp/EOYAmt06636341
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0743763
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1MISC. OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc2PROV. FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc3OPERATING FEES
IRS990/OtherExpensesGrp/TotalAmt0208719
IRS990/OtherExpensesGrp/TotalAmt1197678
IRS990/OtherExpensesGrp/TotalAmt235000
IRS990/OtherExpensesGrp/TotalAmt320702
IRS990/OtherLiabilitiesGrp/BOYAmt0185928111
IRS990/OtherLiabilitiesGrp/EOYAmt0188380981
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER NONOPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt099625
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt099625
IRS990/OtherRevenueTotalAmt099625
IRS990/OtherSalariesAndWagesGrp/TotalAmt02896430
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0116747
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0323180
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0282852
IRS990/PrincipalOfficerNm0SCOTT RAINS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05113721
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11484069
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2571991
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05113721
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11513619
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2571991
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt029550
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt06205
IRS990/PYInvestmentIncomeAmt02482009
IRS990/PYOtherExpensesAmt04632327
IRS990/PYOtherRevenueAmt072238
IRS990/PYProgramServiceRevenueAmt07088866
IRS990/PYRevenuesLessExpensesAmt0745962
IRS990/PYSalariesCompEmpBnftPaidAmt04258619
IRS990/PYTotalExpensesAmt08897151
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09643113
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt065434
IRS990/ReconcilationRevenueExpnssAmt0567632
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt016423071
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014229473
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010223746
IRS990/SavingsAndTempCashInvstGrp/EOYAmt015560966
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0378597
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0973367
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01351964
IRS990ScheduleD/EquipmentGrp/BookValueAmt0544212
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03886477
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04430689
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0100000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1109839154
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt21878594
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt31439552
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS IN NATURAL PERSON CUS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1NET LOANS & LEASES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3ALL OTHER INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3F
IRS990ScheduleD/LandGrp/BookValueAmt01792400
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01792400
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0561020
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01339311
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01900331
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt020264547
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt142542136
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt252545844
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt336186440
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt435450014
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt51392000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0IRA/KEOGH ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5NONMEMBER DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FASB 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 A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEAR ENDED SEPTEMBER 30, 2013, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03276229
IRS990ScheduleD/TotalBookValueProgramRltdAmt0113257300
IRS990ScheduleD/TotalLiabilityAmt0188380981
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0186424
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1124604
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount011016
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount14649
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt086605
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt16433
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt010832
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt117883
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt025241
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt15138
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0WILLIAM BIRNIE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1ANDREW SCOTT RAINS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0320118
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1158707
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0A SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN IN THE FORM OF A 457(F) ARRANGEMENT IS IN PLACE FOR THE CEO, WILLIAM BIRNIE. MR. BIRNIE WILL BE PAID A CALCULATED AMOUNT UPON THE AGE OF 65. MR. BIRNIE HAS NO VESTING IN THE ACCRUED BENEFIT UNTIL AGE 65 AND AT THAT TIME VESTING WILL BE 100%.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt065434
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt069800
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0WILLIAM BIRNIE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0OFFICER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt065434
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EAGLE COMMUNITY 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. EAGLE COMMUNITY CREDIT UNION DOES NOT HAVE STOCKHOLDERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE GOVERNING BOARD OF EAGLE COMMUNITY CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AT 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 REVIEW PROCESS: THE RETURN PREPARER E-MAILS A DRAFT OF THE FORM 990 TO THE ORGANIZATION'S AUDITOR WHO THEN FORWARDS THE DRAFT TO A DESIGNATED BOARD MEMBER(S) AND/OR CEO FOR REVIEW. BOTH THE AUDITOR AND DESIGNATED INDIVIDUAL(S) REVIEW THE DRAFT AND PRESENT ANY QUESTIONS, COMMENTS, OR CORRECTIONS TO THE RETURN PREPARER. UPON SATISFACTORY COMPLETION OF THE FORM 990, THE ORGANIZATION'S AUTHORIZED INDIVIDUAL SIGNS THE APPROPRIATE SIGNATURE FORM(S) TO AUTHORIZE THE ELECTRONIC FILING OF THE RETURN. A COPY OF THE FORM 990, AS FILED, IS PROVIDED BY THE RETURN PREPARER TO THE ORGANIZATION'S CEO OR OTHER DESIGNATED INDIVIDUAL(S).

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$357$320$37.1$28.1$26.3$1.73
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$352$317$35.1$26.8$24.5$2.23
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$360$327$32.9$21.9$18.4$3.46
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$330$299$30.5$17.6$14.5$3.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$308$280$27.7$15.0$14.0$1.01
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$259$233$26.2$14.2$12.7$1.43
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$257$233$23.9$12.8$11.8$1.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$246$223$23.0$15.7$11.6$4.10
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$234$216$18.8$10.4$9.26$1.17
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$222$205$17.8$10.2$8.68$1.48
2014Detailed filing. Detailed filing data is available for this year.$217$200$16.3$9.54$9.16$0.38
2013Detailed filing. Detailed filing data is available for this year.$205$191$14.2$9.16$8.59$0.57
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$205$189$16.4$8.90
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$201$185$16.1$9.77
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$186$172$13.5$9.60