Civic Intelligence

Fiscal Credit Union C/O Unify Financial Federal Credit Union

990 • Fiscal year 2014 • EIN 95-1644523

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 12, 2015

Organization ProfileWWW.FISCAL.ORG

View Organization Page

310 E Colorado BlvdGlendale, CA 91205

(818) 553-8200

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.91x

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

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

89th percentile

24.18x

Higher debt load relative to revenue than 89% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

2nd percentile

-3.3%

Higher net margin than 2% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

100th percentile

$1,467,576

Higher top officer pay than 100% of similar nonprofits.

Top officer pay equals 28.4% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

16th percentile

0.3%

Faster asset growth than 16% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

7th percentile

-8.2%

Faster revenue growth than 7% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$137,341,192

Up $375,569 (+0.3%) from 2013

Net Assets

Up

$12,383,360

Up $933,512 (+8.2%) from 2013

Liabilities

Down

$124,957,832

Down $557,943 (-0.4%) from 2013

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin2nd percentile

Revenue

Down

$5,166,890

Down $463,811 (-8.2%) from 2013

Expenses

Down

$5,336,421

Down $39,706 (-0.7%) from 2013

Net Income

Down

-$169,531

Down $424,105 (-167%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth16th percentile

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

$150M$100M$50M$0Assets 2010: $132,372,689Liabilities 2010: $119,440,236Net Assets 2010: $12,932,4532010Assets 2011: $134,252,250Liabilities 2011: $120,128,076Net Assets 2011: $14,124,1742011Assets 2012: $136,479,784Liabilities 2012: $122,645,431Net Assets 2012: $13,834,3532012Assets 2013: $136,965,623Liabilities 2013: $125,515,775Net Assets 2013: $11,449,8482013Assets 2014: $137,341,192Liabilities 2014: $124,957,832Net Assets 2014: $12,383,3602014Assets 2015: $137,173,914Liabilities 2015: $124,637,953Net Assets 2015: $12,535,9612015Assets 2016: $0Liabilities 2016: $0Net Assets 2016: $02016

Highlighted filing

2014

Assets$137,341,192
Liabilities$124,957,832
Net Assets$12,383,360
Open 2014 Filing

Operations Trend

Revenue Growth7th percentile

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $6,736,5402010Expenses 2011: $5,853,8622011Revenue 2012: $5,561,377Expenses 2012: $5,750,985Net Income 2012: -$189,6082012Revenue 2013: $5,630,701Expenses 2013: $5,376,127Net Income 2013: $254,5742013Revenue 2014: $5,166,890Expenses 2014: $5,336,421Net Income 2014: -$169,5312014Revenue 2015: $5,248,063Expenses 2015: $5,169,320Net Income 2015: $78,7432015Revenue 2016: $7,566,517Expenses 2016: $5,832,844Net Income 2016: $1,733,6732016

Highlighted filing

2014

Revenue$5,166,890
Expenses$5,336,421
Net Income-$169,531
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 12, 2015
Return Version
2014v5.0
Gross Receipts
$7,299,384
Mission and Program Overview

Mission

A cooperative, organized for the purpose of promoting thrift andsavings 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, fiscal credit union conductsits business for the mutual benefit and general welfare of itsmembers 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$47,598,632$63,325,964▲ $15,727,332
Investments in Publicly Traded Securities$67,638,010$55,729,219▼ $11,908,791
Savings and Temporary Cash Investments$14,088,312$15,526,795▲ $1,438,483
Rtn Earn Endowment Incm Other Fnds$11,449,848$12,383,360▲ $933,512
Land, Buildings, and Equipment, Net$2,083,141$1,996,684▼ $86,457
Cash and Non-Interest-Bearing Accounts$176,612$180,494▲ $3,882
Prepaid Expenses and Deferred Charges$137,468$124,196▼ $13,272
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$136,965,623$137,341,192▲ $375,569
Other Assets Total$5,243,448$457,840▼ $4,785,608
Liabilities
Other Liabilities$124,030,779$123,104,229▼ $926,550
Accounts Payable and Accrued Expenses$1,484,996$1,853,603▲ $368,607
Total Liabilities$125,515,775$124,957,832▼ $557,943
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,449,848$12,383,360▲ $933,512
Total Liabilities and Net Assets / Fund Balance$136,965,623$137,341,192▲ $375,569

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$976,138$1,718,838$2,694,976
Equipment$77,283$2,311,638$2,388,921
Land$880,000-$880,000
Leasehold Improvements$63,263$444,082$507,345
Investment Program Related Org$3,687,619--
Compensation and Service Providers
Top Officer Pay100th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stephanie HuberCEOFT$152,863$1,314,713$1,467,576
Avo MkhitaryanCOOFT$107,337$19,019$126,356
Jeff ParongCFOFT$100,406$18,199$118,605
Don TurnerVP/risk ManagementFT$85,441$18,926$104,367
Lisa CollinsVP/internal ControlFT$81,315$4,408$85,723

Board Members and Trustees

NameTitle
Quoc NguyenChairman
David JaffeSupv Cmte Chairman
Donna PetersonVice Chairman
Richard P BendallDirector
Robert R HillDirector
Ronald E Scott SphrDirector
Christopher AnwaryAlternate Member
Essam MorcosSecretary
Claudia RufinoSupv Cmte Member
Patrick H PearceSupv Cmte Member
Paul D KadukSupv Cmte Member
Sat Avtar KhalsaSupv Cmte Secretary
Ted KhodaverdianTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv INCData Processing255 FISERV DRIVE, Brookfield, WI 53045$252,729
Digital InsightOn-line Banking5601 LINDERO CANYON RD, Westlake Village, CA 91362$170,881
Jack Henry & AssociatesFinancial ServicesPO BOX 807, Monett, MO 65708$105,189
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,746,580
Investment Income
$1,420,310
Other Revenue
$0
Change in Net Assets
$-169,531
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,763,825
Salaries, Compensation, and Employee Benefits$2,572,596
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,214,872
Office Expenses---$937,960
Current Officers, Directors, Trustees, and Key Employees---$527,362
Information Technology---$421,986
Other Employee Benefits---$393,080
Occupancy---$284,930
Pension Plan Contributions---$269,868
Interest---$197,278
Advertising---$177,526
Payroll Taxes---$167,414
Depreciation Depletion---$145,273
Fees for Services Other---$113,757
Fees for Services Legal---$76,332
Travel---$50,918
Fees for Services Management---$42,362
Fees for Services Accounting---$36,000
Other Expenses---$15,154
Insurance---$4,110
Total Functional Expenses$0$0$0$5,336,421
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares & Deposits$123,104,229
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

“Fiscal 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. Fiscal credit union does not have stockholders.”

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

“The governing board of fiscal 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

“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

“The credit union has a conflict of interest policy. On an annual basis, all employees are required to review the policy and sign off that they understand the policy and are in compliance with it. On an ongoing basis, the human resource and support service departments monitor employees for compliance with the conflict of interest policy.”

Form 990, Part VI, Section B, Line 15

“The compensation package of the credit union's ceo is determined by the board of directors. The board of directors reviews average compensation data for ceos of similarly sized credit unions. The ceo reviews and determines the compensation package of key employees of the credit union annually. The ceo reviews average compensation data for key employees of similarly sized credit unions.”

Form 990, Part VI, Section C, Line 19

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

Filing and Contact Details

Filer

Filer Name
Fiscal Credit Union
EIN
95-1644523
Phone
8185538200
Address
310 E COLORADO BLVD, GLENDALE, CA 91205

Signing Officer

Name
Stephanie Huber
Title
CEO
Phone
8185538272
Signed
2015-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Stephanie Huber
Formed
1935
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
53
Volunteers
13

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 oversight process or selection process during the tax year. See attached form 3115 for fiscal credit union (95-1644523).”

Financial Statement Notes

PART X, LINE 2:

“Fasb acs topic 740, 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 years ended march 31, 2015 and 2014, management has determined that there are no material uncertain tax positions.”

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7SUPV CMTE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPV CMTE SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12ALTERNATE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt14CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt15COO
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP/RISK MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/INTERNAL CONTROL
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt015534
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt02148028
IRS990/GrossReceiptsAmt07299384
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0421986
IRS990/InsuranceGrp/TotalAmt04110
IRS990/InterestGrp/TotalAmt0197278
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01404776
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01404776
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt047598632
IRS990/InvestmentsProgramRelatedGrp/EOYAmt063325964
IRS990/InvestmentsPubTradedSecGrp/BOYAmt067638010
IRS990/InvestmentsPubTradedSecGrp/EOYAmt055729219
IRS990/IRPDocumentCnt01580
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04474558
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02083141
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01996684
IRS990/LandBldgEquipCostOrOtherBssAmt06471242
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt02132494
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT ANDSAVINGS 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, FISCAL CREDIT UNION CONDUCTSITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITSMEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt011449848
IRS990/NetAssetsOrFundBalancesEOYAmt012383360
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt015534
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt015534
IRS990/NetUnrelatedBusTxblIncmAmt0-41471
IRS990/NetUnrlzdGainsLossesInvstAmt01103043
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0284930
IRS990/OfficeExpensesGrp/TotalAmt0937960
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05243448
IRS990/OtherAssetsTotalGrp/EOYAmt0457840
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0393080
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc1MISC OPERATING EXPENSES
IRS990/OtherExpensesGrp/Desc2PROV FOR LOANS & LEASES
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt0147538
IRS990/OtherExpensesGrp/TotalAmt196330
IRS990/OtherExpensesGrp/TotalAmt216371
IRS990/OtherExpensesGrp/TotalAmt315154
IRS990/OtherLiabilitiesGrp/BOYAmt0124030779
IRS990/OtherLiabilitiesGrp/EOYAmt0123104229
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt01214872
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0167414
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0269868
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0137468
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0124196
IRS990/PrincipalOfficerNm0STEPHANIE HUBER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02592329
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1906061
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2166119
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02592329
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1988132
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2166119
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt082071
IRS990/ProgSrvcAccomActy2Grp/Desc0ACCOMPLISHMENT OF TARGET GOALS IN CONNECTION WITH PROVISION OF MORTGAGE LOAN PRODUCTS TO EXISTING MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0MEMBER SATISFACTION IN CONNECTION WITH SERVICES PERTAINING TO CHECKING/SAVINGS ACCOUNTS, ATTRACTIVE CD RATES, IRA AND SIMILAR ACCOUNTS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01446328
IRS990/PYOtherExpensesAmt02823107
IRS990/PYOtherRevenueAmt0489358
IRS990/PYProgramServiceRevenueAmt03695015
IRS990/PYRevenuesLessExpensesAmt0254574
IRS990/PYSalariesCompEmpBnftPaidAmt02553020
IRS990/PYTotalExpensesAmt05376127
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05630701
IRS990/ReconcilationRevenueExpnssAmt0-169531
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011449848
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt012383360
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014088312
IRS990/SavingsAndTempCashInvstGrp/EOYAmt015526795
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0976138
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01718838
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02694976
IRS990ScheduleD/EquipmentGrp/BookValueAmt077283
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02311638
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02388921
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0330932
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt152199013
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt25456000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt31652400
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt43687619
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CORP CREDIT UNION CAP
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1NET LOANS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2SHARE CERTIFICATE INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3AMERICAN SHARE INSURANCE FUND
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4OTHER INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4F
IRS990ScheduleD/LandGrp/BookValueAmt0880000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0880000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt063263
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0444082
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0507345
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0123104229
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0TOTAL SHARES & DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FASB ACS TOPIC 740, 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 YEARS ENDED MARCH 31, 2015 AND 2014, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01996684
IRS990ScheduleD/TotalBookValueProgramRltdAmt063325964
IRS990ScheduleD/TotalLiabilityAmt0123104229
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0152863
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt01313611
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt01102
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0STEPHANIE HUBER

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$137,341,192
Liabilities
$124,957,832
Net assets
$12,383,360
Revenue
$5,166,890
Expenses
$5,336,421
Net income
-$169,531
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$7.57$5.83$1.73
2015Detailed filing. Detailed filing data is available for this year.$137$125$12.5$5.25$5.17$0.08
2014Detailed filing. Detailed filing data is available for this year.$137$125$12.4$5.17$5.34$0.17
2013Detailed filing. Detailed filing data is available for this year.$137$126$11.4$5.63$5.38$0.25
2012Summary only. Only limited summary data is available for this year.$136$123$13.8$5.56$5.75$0.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$134$120$14.1$5.85
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$132$119$12.9$6.74
Peer Organizations

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