Civic Intelligence

E-Central Credit Union

990 • Fiscal year 2016 • EIN 95-1442156

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 09, 2017

Organization ProfileWWW.ECENTRALCU.ORG

View Organization Page

990 South Fair Oaks AvenuePasadena, CA 91105-2626

(626) 799-6000

Siviq Scores

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

Liabilities / Assets

10th percentile

0.82x

Higher debt load relative to assets than 10% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

32nd percentile

16.05x

Higher debt load relative to revenue than 32% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

49th percentile

11%

Higher net margin than 49% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

91st percentile

$343,364

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 4.2% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

15th percentile

0.5%

Faster asset growth than 15% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

13th percentile

-0.6%

Faster revenue growth than 13% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets10th percentile

Assets

Up

$159,007,596

Up $859,993 (+0.5%) from 2015

Net Assets

Up

$28,730,425

Up $857,409 (+3.1%) from 2015

Liabilities

Up

$130,277,171

Up $2,584 (+0.0%) from 2015

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin49th percentile

Revenue

Down

$8,114,893

Down $48,754 (-0.6%) from 2015

Expenses

Up

$7,257,389

Up $252,883 (+3.6%) from 2015

Net Income

Down

$857,504

Down $301,637 (-26%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth15th percentile

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

$200M$150M$100M$50M$0Assets 2010: $170,533,205Liabilities 2010: $154,571,872Net Assets 2010: $15,961,3332010Assets 2011: $166,690,132Liabilities 2011: $148,626,564Net Assets 2011: $18,063,5682011Assets 2012: $162,577,282Liabilities 2012: $141,911,030Net Assets 2012: $20,666,2522012Assets 2013: $161,211,305Liabilities 2013: $136,678,053Net Assets 2013: $24,533,2522013Assets 2014: $158,838,313Liabilities 2014: $132,123,525Net Assets 2014: $26,714,7882014Assets 2015: $158,147,603Liabilities 2015: $130,274,587Net Assets 2015: $27,873,0162015Assets 2016: $159,007,596Liabilities 2016: $130,277,171Net Assets 2016: $28,730,4252016Assets 2017: $157,947,609Liabilities 2017: $128,068,115Net Assets 2017: $29,879,4942017Assets 2018: $159,811,423Liabilities 2018: $129,152,217Net Assets 2018: $30,659,2062018Assets 2019: $168,256,764Liabilities 2019: $136,567,553Net Assets 2019: $31,689,2112019Assets 2020: $187,605,631Liabilities 2020: $155,957,626Net Assets 2020: $31,648,0052020Assets 2021: $193,980,763Liabilities 2021: $161,676,276Net Assets 2021: $32,304,4872021Assets 2022: $182,628,434Liabilities 2022: $148,766,804Net Assets 2022: $33,861,6302022Assets 2023: $172,452,151Liabilities 2023: $134,822,350Net Assets 2023: $37,629,8012023Assets 2024: $169,203,207Liabilities 2024: $130,799,866Net Assets 2024: $38,403,3412024

Highlighted filing

2016

Assets$159,007,596
Liabilities$130,277,171
Net Assets$28,730,425
Open 2016 Filing

Operations Trend

Revenue Growth13th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $14,680,6602010Expenses 2011: $7,311,6852011Expenses 2012: $6,679,1252012Revenue 2013: $10,491,663Expenses 2013: $6,609,717Net Income 2013: $3,881,9462013Revenue 2014: $9,197,430Expenses 2014: $7,026,197Net Income 2014: $2,171,2332014Revenue 2015: $8,163,647Expenses 2015: $7,004,506Net Income 2015: $1,159,1412015Revenue 2016: $8,114,893Expenses 2016: $7,257,389Net Income 2016: $857,5042016Revenue 2017: $8,612,779Expenses 2017: $7,463,811Net Income 2017: $1,148,9682017Revenue 2018: $8,821,797Expenses 2018: $8,042,041Net Income 2018: $779,7562018Revenue 2019: $9,443,419Expenses 2019: $8,413,414Net Income 2019: $1,030,0052019Revenue 2020: $8,455,835Expenses 2020: $8,497,041Net Income 2020: -$41,2062020Revenue 2021: $8,617,902Expenses 2021: $7,961,420Net Income 2021: $656,4822021Revenue 2022: $8,949,930Expenses 2022: $7,392,790Net Income 2022: $1,557,1402022Revenue 2023: $11,789,670Expenses 2023: $8,021,497Net Income 2023: $3,768,1732023Revenue 2024: $10,617,693Expenses 2024: $8,728,953Net Income 2024: $1,888,7402024

Highlighted filing

2016

Revenue$8,114,893
Expenses$7,257,389
Net Income$857,504
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 9, 2017
Return Version
2016v3.0
Gross Receipts
$8,361,086
Mission and Program Overview

Mission

E-central credit union is a cooperative, organized for the purpose of promoting thrift and saving 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, e-central credit union conducts its business for the mutual benefit and general welfare of its members with the earning, 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$111,205,325$109,843,684▼ $1,361,641
Rtn Earn Endowment Incm Other Fnds$27,873,016$28,730,425▲ $857,409
Savings and Temporary Cash Investments$19,172,304$21,101,219▲ $1,928,915
Investments in Publicly Traded Securities$18,519,952$19,541,625▲ $1,021,673
Land, Buildings, and Equipment, Net$5,277,215$5,095,130▼ $182,085
Receivables From Officers Etc$1,203,555$1,170,919▼ $32,636
Cash and Non-Interest-Bearing Accounts$367,006$299,969▼ $67,037
Prepaid Expenses and Deferred Charges$73,425$249,168▲ $175,743
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$158,147,603$159,007,596▲ $859,993
Other Assets Total$2,328,821$1,705,882▼ $622,939
Liabilities
Other Liabilities$129,562,784$129,317,787▼ $244,997
Accounts Payable and Accrued Expenses$711,803$959,384▲ $247,581
Total Liabilities$130,274,587$130,277,171▲ $2,584
Net Assets / Fund Balance
Total Net Assets Fund Balance$27,873,016$28,730,425▲ $857,409
Total Liabilities and Net Assets / Fund Balance$158,147,603$159,007,596▲ $859,993

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$584,099$2,845,286$3,429,385
Land$3,285,000-$3,285,000
Buildings$1,125,051$1,727,012$2,852,063
Leasehold Improvements$100,980$1,866,710$1,967,690
Investment Program Related Org$650,000--
Compensation and Service Providers
Top Officer Pay91st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael TheodorePresident/CEOFT$245,000$98,364$343,364
Richard WiseCFOFT$122,092$35,136$157,228
Loh Jen SySVP LendingFT$120,002$21,551$141,553
Evan HitchcockVP OpsFT$102,568$24,572$127,140
Dennis MagaldiSecretary/treasurer-$1,200-$1,200
James CaffertyDirector Emeritus-$1,000-$1,000

Board Members and Trustees

NameTitle
Mark GarmusChairman
Jon OliverSupv Cmte Chair
Dominick EdwardsVice Chairman
Glenda Giles-luickDirector
John DrewDirector
Richard HonoreDirector
Stephen HensonDirector
Corbet WilcoxSupv Cmte Member
James GreenbaumSupv Cmte Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,551,276
Investment Income
$707,223
Other Revenue
$856,394
Change in Net Assets
$857,504
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,781,467
Salaries, Compensation, and Employee Benefits$3,475,922
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,998,937
Office Expenses---$1,176,088
Current Officers, Directors, Trustees, and Key Employees---$647,082
Information Technology---$515,680
Other Employee Benefits---$458,457
Interest---$456,606
Depreciation Depletion---$307,267
Occupancy---$266,147
Travel---$246,506
Payroll Taxes---$205,730
Pension Plan Contributions---$165,716
Advertising---$153,705
Fees for Services Accounting---$55,317
Insurance---$54,636
Fees for Services Other---$51,231
Fees for Services Legal---$45,618
Other Expenses---$18,587
Total Functional Expenses$0$0$0$7,257,389
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$1,203,555$1,170,919▼ $32,636
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$129,317,787
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

“E-central 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. E-central credit union does not have stockholders.”

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

“The governing board of e-central 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 11B

“Each board member shall receive a completed draft of the form 990 for review prior to filing each year.”

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

“E-central cu regularly monitors and enforces compliance with the conflict of interest policy. On an annual basis the conflict of interest policy is reviewed and a copy is provided to employees. All employees are required to read and sign the receipt of the conflict of interest policy. As part of that review, all employees are to report to their managers of known family members that have accounts with the cu. Employees are restricted from having any access to their or a family members account. This is tested annually during the compliance portion of our audit.”

Form 990, Part VI, Section B, Line 15

“The process of determining compensation for the ceo is reviewed and completed by the board, and the process of determining compensation for top management officials and key employees is reviewed by the ceo. The cuna salary survey is used for comparability for industry standards and reasonableness.”

Form 990, Part VI, Section C, Line 19

“Monthly financial statements are posted in the building lobby and also made available upon request.”

Filing and Contact Details

Filer

Filer Name
E-central Credit Union
EIN
95-1442156
Phone
6267996000
Address
990 SOUTH FAIR OAKS AVENUE, PASADENA, CA 91105-2626

Signing Officer

Name
Mike Theodore
Title
President/CEO
Phone
6267996000
Signed
2017-11-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mike Theodore
Formed
1943
Legal Domicile
CA
Voting Board Members
8
Independent Board Members
8
Employees
68
Volunteers
11

Preparer

Firm
Turner Warren Hwang & Conrad Acctcy
Address
100 NORTH FIRST ST STE 202, BURBANK, CA 91502
Preparer
Valentino Creus CPA
Phone
8189549700
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The organization has not changed either its selection process or oversight 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" to be sustained "when challenged or "when examined" by the applicable tax authority. Tax positions deemed to not meet the more-likely-than-not threshold would be recorded as a tax expense and liability in the current year. For the years ended march 31, 2017 and 2016, management has determined that the credit union has no material uncertain tax positions, and accordingly, the credit union has not recorded a liability for the payment of interest or penalties. The credit union is subject to and pays all state and city taxes on goods and services purchased by the credit union.”

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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
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IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0282605
IRS990/GrossReceiptsAmt08361086
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
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IRS990/InsuranceGrp/TotalAmt054636
IRS990/InterestGrp/TotalAmt0456606
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0670811
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0111205325
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0109843684
IRS990/InvestmentsPubTradedSecGrp/BOYAmt018519952
IRS990/InvestmentsPubTradedSecGrp/EOYAmt019541625
IRS990/IRPDocumentCnt01907
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/BOYAmt05277215
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IRS990/LandBldgEquipCostOrOtherBssAmt011534138
IRS990/LegalDomicileStateCd0CA
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IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0E-CENTRAL CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVING 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, E-CENTRAL CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNING, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt028730425
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IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt036412
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IRS990/NetUnrlzdGainsLossesInvstAmt0-95
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0266147
IRS990/OfficeExpensesGrp/TotalAmt01176088
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02328821
IRS990/OtherAssetsTotalGrp/EOYAmt01705882
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0458457
IRS990/OtherExpensesGrp/Desc0MISC OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2OPERATING FEES
IRS990/OtherExpensesGrp/TotalAmt0253873
IRS990/OtherExpensesGrp/TotalAmt1180206
IRS990/OtherExpensesGrp/TotalAmt218587
IRS990/OtherLiabilitiesGrp/BOYAmt0129562784
IRS990/OtherLiabilitiesGrp/EOYAmt0129317787
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER NON OPERATING IN
IRS990/OtherRevenueMiscGrp/Desc1PROVISION FOR LOAN AND
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0626085
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1230309
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0626085
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1230309
IRS990/OtherRevenueTotalAmt0856394
IRS990/OtherSalariesAndWagesGrp/TotalAmt01998937
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0205730
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0165716
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt073425
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0249168
IRS990/PrincipalOfficerNm0MIKE THEODORE
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/RelatedOrExemptFuncIncomeAmt04532029
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11337522
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2654714
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04532029
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11348201
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2671046
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt010679
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt116332
IRS990/ProgSrvcAccomActy2Grp/Desc0OFFERING A VAST ARRAY OF DYNAMIC ONLINE SERVICES IS CENTRAL TO E-CENTRAL'S STRATEGIC PLAN TO ALLOW MEMBERS TO ACCESS THEIR ACCOUNT ANYTIME, ANYWHERE. THIS IS AN IMPORTANT INITIATIVE TO REMAIN COMPETITIVE, IMPROVE OPERATIONAL EFFICIENCIES, AND TO RETAIN MEMBERS. OUR SUITE OF FREE E-SERVICES INCLUDE, ONLINE BANKING, MOBILE BANKING, BILL PAY, PERSONAL FINANCIAL MANAGEMENT TOOLS, ACCOUNT-TO-ACCOUNT TRANSFERS, REMOTE CHECK DEPOSIT AND A NUMBER OF OTHER SERVICES.
IRS990/ProgSrvcAccomActy3Grp/Desc0E-CENTRAL OFFERS A SUITE OF AFFORDABLE CHECKING ACCOUNTS THAT INCLUDE A NUMBER OF FREE SERVICES, SUCH AS DEBIT CARDS AND A SUITE OF ONLINE SERVICES. THE CREDIT UNION CONTINUES TO SEE CHECKING ACCOUNT PENETRATION INCREASE, CHECKING OVERALL BALANCES INCREASE AND DEBIT CARD TRANSACTIONS INCREASE EACH YEAR. MEMBERS VALUE OUR LOW-COST SOLUTION AS THEY LOOK TO SAVE MONEY EVERY DAY.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0749776
IRS990/PYOtherExpensesAmt03598538
IRS990/PYOtherRevenueAmt0474788
IRS990/PYProgramServiceRevenueAmt06939083
IRS990/PYRevenuesLessExpensesAmt01159141
IRS990/PYSalariesCompEmpBnftPaidAmt03405968
IRS990/PYTotalExpensesAmt07004506
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08163647
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01203555
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01170919
IRS990/ReconcilationRevenueExpnssAmt0857504
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt027873016
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt028730425
IRS990/SavingsAndTempCashInvstGrp/BOYAmt019172304
IRS990/SavingsAndTempCashInvstGrp/EOYAmt021101219
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01125051
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01727012
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02852063
IRS990ScheduleD/EquipmentGrp/BookValueAmt0584099
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02845286
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03429385
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt016607000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt189664512
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt21248839
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt31247000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4426333
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt5650000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0DEPOSITS IN COMMERCIAL BANKS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1LOANS AND LEASES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3LOANS TO AND INVESTMENTS IN NATURAL PERSON CREDIT UNIONS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4PAID IN CAPITAL IN CORP
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5ALL OTHER INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5F
IRS990ScheduleD/LandGrp/BookValueAmt03285000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03285000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0100980
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01866710
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01967690
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0129317787
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND 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" TO BE SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED MARCH 31, 2017 AND 2016, MANAGEMENT HAS DETERMINED THAT THE CREDIT UNION HAS NO MATERIAL UNCERTAIN TAX POSITIONS, AND ACCORDINGLY, THE CREDIT UNION HAS NOT RECORDED A LIABILITY FOR THE PAYMENT OF INTEREST OR PENALTIES. THE CREDIT UNION IS SUBJECT TO AND PAYS ALL STATE AND CITY TAXES ON GOODS AND SERVICES PURCHASED BY THE CREDIT UNION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05095130
IRS990ScheduleD/TotalBookValueProgramRltdAmt0109843684
IRS990ScheduleD/TotalLiabilityAmt0129317787
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0245000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1122092
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount030000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
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/DeferredCompensationFlngOrgAmt028396
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt112244
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt014748
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt122892
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt025220
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHAEL THEODORE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1RICHARD WISE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0343364
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1157228
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt057108
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1794000

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$159,007,596
Liabilities
$130,277,171
Net assets
$28,730,425
Revenue
$8,114,893
Expenses
$7,257,389
Net income
$857,504
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$169$131$38.4$10.6$8.73$1.89
2023Detailed filing. Detailed filing data is available for this year.$172$135$37.6$11.8$8.02$3.77
2022Detailed filing. Detailed filing data is available for this year.$183$149$33.9$8.95$7.39$1.56
2021Detailed filing. Detailed filing data is available for this year.$194$162$32.3$8.62$7.96$0.66
2020Detailed filing. Detailed filing data is available for this year.$188$156$31.6$8.46$8.50$0.04
2019Detailed filing. Detailed filing data is available for this year.$168$137$31.7$9.44$8.41$1.03
2018Detailed filing. Detailed filing data is available for this year.$160$129$30.7$8.82$8.04$0.78
2017Detailed filing. Detailed filing data is available for this year.$158$128$29.9$8.61$7.46$1.15
2016Detailed filing. Detailed filing data is available for this year.$159$130$28.7$8.11$7.26$0.86
2015Detailed filing. Detailed filing data is available for this year.$158$130$27.9$8.16$7.00$1.16
2014Detailed filing. Detailed filing data is available for this year.$159$132$26.7$9.20$7.03$2.17
2013Detailed filing. Detailed filing data is available for this year.$161$137$24.5$10.5$6.61$3.88
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$163$142$20.7$6.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$167$149$18.1$7.31
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$171$155$16.0$14.7