Civic Intelligence

1St Valley Credit Union

990 • Fiscal year 2013 • EIN 95-1838443

Jan 01, 2013 to Dec 31, 2013 • Filed on Jun 03, 2014

Organization Profilewww.1stvalleycu.com

View Organization Page

401 West 2nd Street92401

(909) 889-0838

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.93x

Higher debt load relative to assets than 93% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

67th percentile

22.51x

Higher debt load relative to revenue than 67% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

33rd percentile

2.6%

Higher net margin than 33% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

78th percentile

$118,222

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 8.5% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

11th percentile

-4.0%

Faster asset growth than 11% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M 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

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Down

$33,627,902

Down $1,410,240 (-4.0%) from 2012

Net Assets

Down

$2,488,040

Down $1,640,167 (-40%) from 2012

Liabilities

Up

$31,139,862

Up $229,927 (+0.7%) from 2012

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin33rd percentile

Revenue

$1,383,394

No earlier filing loaded for comparison.

Expenses

Down

$1,347,249

Down $182,752 (-12%) from 2012

Net Income

$36,145

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

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

$60M$40M$20M$0-$20MAssets 2010: $33,382,953Liabilities 2010: $29,405,892Net Assets 2010: $3,977,0612010Assets 2011: $33,822,343Liabilities 2011: $29,816,086Net Assets 2011: $4,006,2572011Assets 2012: $35,038,142Liabilities 2012: $30,909,935Net Assets 2012: $4,128,2072012Assets 2013: $33,627,902Liabilities 2013: $31,139,862Net Assets 2013: $2,488,0402013Assets 2014: $34,981,352Liabilities 2014: $31,426,274Net Assets 2014: $3,555,0782014Assets 2015: $36,876,792Liabilities 2015: $32,982,137Net Assets 2015: $3,894,6552015Assets 2016: $38,771,347Liabilities 2016: $34,887,760Net Assets 2016: $3,883,5872016Assets 2017: $38,640,122Liabilities 2017: $34,687,410Net Assets 2017: $3,952,7122017Assets 2018: $39,478,001Liabilities 2018: $35,565,706Net Assets 2018: $3,912,2952018Assets 2019: $40,455,803Liabilities 2019: $35,939,723Net Assets 2019: $4,516,0802019Assets 2020: $48,814,532Liabilities 2020: $44,034,069Net Assets 2020: $4,780,4632020Assets 2021: $51,488,038Liabilities 2021: $47,898,345Net Assets 2021: $3,589,6932021Assets 2022: $47,769,576Liabilities 2022: $48,358,637Net Assets 2022: -$589,0612022Assets 2023: $49,454,196Liabilities 2023: $51,207,618Net Assets 2023: -$1,753,4222023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2013

Assets$33,627,902
Liabilities$31,139,862
Net Assets$2,488,040
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$2.0M$0-$2.0MExpenses 2010: $1,971,0922010Expenses 2011: $1,624,7162011Expenses 2012: $1,530,0012012Revenue 2013: $1,383,394Expenses 2013: $1,347,249Net Income 2013: $36,1452013Revenue 2014: $1,313,152Expenses 2014: $1,337,139Net Income 2014: -$23,9872014Revenue 2015: $1,366,741Expenses 2015: $1,332,558Net Income 2015: $34,1832015Revenue 2016: $1,372,033Expenses 2016: $1,226,111Net Income 2016: $145,9222016Revenue 2017: $1,405,477Expenses 2017: $1,341,289Net Income 2017: $64,1882017Revenue 2018: $1,413,297Expenses 2018: $1,349,174Net Income 2018: $64,1232018Revenue 2019: $1,598,869Expenses 2019: $1,438,883Net Income 2019: $159,9862019Revenue 2020: $1,582,342Expenses 2020: $1,525,086Net Income 2020: $57,2562020Revenue 2021: $1,567,034Expenses 2021: $1,802,391Net Income 2021: -$235,3572021Revenue 2022: $1,408,634Expenses 2022: $1,593,788Net Income 2022: -$185,1542022Revenue 2023: $2,035,656Expenses 2023: $3,403,795Net Income 2023: -$1,368,1392023Revenue 2024: $896,378Expenses 2024: -$857,044Net Income 2024: $1,753,4222024

Highlighted filing

2013

Revenue$1,383,394
Expenses$1,347,249
Net Income$36,145
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jun 3, 2014
Return Version
2013v3.1
Gross Receipts
$1,383,394
Mission and Program Overview

Mission

Non-profit, State Chartered Natural Person Credit Union. Provide competitive financial services to the members of 1st Valley Credit Union.

Non-profit, State-Chartered, Natural Person Credit Union. Provide competitive financial services to the members of 1st Valley Credit Union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$20,621,792$19,291,736▼ $1,330,056
Other Notes and Loans Receivable, Net$10,225,630$9,903,325▼ $322,305
Rtn Earn Endowment Incm Other Fnds$4,128,207$2,488,040▼ $1,640,167
Savings and Temporary Cash Investments$1,836,995$2,156,119▲ $319,124
Land, Buildings, and Equipment, Net$860,925$829,304▼ $31,621
Cash and Non-Interest-Bearing Accounts$722,852$752,486▲ $29,634
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$35,038,142$33,627,902▼ $1,410,240
Other Assets Total$769,948$694,932▼ $75,016
Liabilities
Other Liabilities$30,446,809$30,839,749▲ $392,940
Accounts Payable and Accrued Expenses$463,126$300,113▼ $163,013
Total Liabilities$30,909,935$31,139,862▲ $229,927
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,128,207$2,488,040▼ $1,640,167
Total Liabilities and Net Assets / Fund Balance$35,038,142$33,627,902▼ $1,410,240

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$544,754$447,683$992,437
Equipment$74,604$227,475$302,079
Land$209,946-$209,946
Leasehold Improvements-$4,323$4,323
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Gregg StockdalePresidentFT$118,222$118,222

Board Members and Trustees

NameTitle
Mike PottsBD Chairman
Liz CruzBD Vice Chairma
Craig ScottBD Treasurer
Ernest DowdyBrd Mbr
Ernie LemosBrd Mbr
Jane SneddonBrd Mbr
Jim WatsonBrd Mbr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$548,788
Investment Income
$480,870
Other Revenue
$353,736
Change in Net Assets
$36,145

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,383,394
Total Revenue per Audited Statements
$1,383,394
Total Revenue per Form 990
$1,383,394
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$648,306
Other Expenses$608,770
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$530,084
Office Expenses---$387,213
Current Officers, Directors, Trustees, and Key Employees---$118,222
Benefits to Members---$90,173
Occupancy---$71,745
Fees for Services Other---$62,018
Advertising---$30,000
Travel---$17,398
Interest---$1,415
Other Expenses---$-40,000
Total Functional Expenses$0$0$0$1,347,249

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,347,249
Total Expenses per Audited Statements$1,347,249
Total Expenses per Form 990$1,347,249
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$15,762,755
Share Certificates$7,232,568
Share Drafts$5,498,189
IRA/KEOGH Accounts$1,806,875
Non-Member Deposits$502,940
All Other Shares and Deposits$36,422
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, Line 6: Explanation of Classes of Members or Shareholder

“Organized with Members”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“The board of directors is elected by the members.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Certain decisions as covered in the bylaws require member approval.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The return preparer e-mails a draft of the form 990 to a designated officer and/or ceo of the credit union for review. The designated officer and/or ceo sends a copy to the board of director (s). The 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 theorganization's ceo or other designated individual(s).”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Written statements provided annually are taken at face value.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Comparable compensation data is somewhat used to determine compensation for the CEO, officers, and key employees.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Comparable compensation data is somewhat used to determine compensation for the CEO, officers, and key employees.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Governing documents are available upon request. Certain documents are presented at the annual meeting and posted in the lobby.”

Filing and Contact Details

Filer

EIN
95-1838443
Phone
9098890838

Signing Officer

Name
Gregg Stockdale
Title
CEO
Signed
2014-06-03
Discuss with paid preparer
Yes

Organization Details

Formed
1951
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
18
Volunteers
10

Preparer

Preparer
Michael Richards
Phone
8775720473
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IRS990/OtherExpensesGrp/TotalAmt123634
IRS990/OtherExpensesGrp/TotalAmt217934
IRS990/OtherExpensesGrp/TotalAmt3-40000
IRS990/OtherLiabilitiesGrp/BOYAmt030446809
IRS990/OtherLiabilitiesGrp/EOYAmt030839749
IRS990/OtherRevenueMiscGrp/Desc0Fee Income
IRS990/OtherRevenueMiscGrp/Desc1Other Operating Income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0322397
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt131339
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0322397
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt131339
IRS990/OtherRevenueTotalAmt0353736
IRS990/OtherSalariesAndWagesGrp/TotalAmt0530084
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt010225630
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt09903325
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfcrBusinessAddress/BusinessNameLine10Gregg Stockdale
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0548788
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0548788
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt094433
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0546559
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0701276
IRS990/PYOtherRevenueAmt0398955
IRS990/PYProgramServiceRevenueAmt0673112
IRS990/PYRevenuesLessExpensesAmt088625
IRS990/PYSalariesCompEmpBnftPaidAmt0734292
IRS990/PYTotalExpensesAmt01530001
IRS990/PYTotalRevenueAmt01618626
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt036145
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt01383394
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04128207
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02488040
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01836995
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02156119
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0544754
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0447683
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0992437
IRS990ScheduleD/EquipmentGrp/BookValueAmt074604
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0227475
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0302079
IRS990ScheduleD/ExpensesSubtotalAmt01347249
IRS990ScheduleD/LandGrp/BookValueAmt0209946
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0209946
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt04323
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt04323
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt036422
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11806875
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2502940
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt315762755
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt47232568
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt55498189
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0All Other Shares and Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1IRA/KEOGH Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Non-Member Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5Share Drafts
IRS990ScheduleD/RevenueSubtotalAmt01383394
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0829304
IRS990ScheduleD/TotalExpensesPerForm990Amt01347249
IRS990ScheduleD/TotalLiabilityAmt030839749
IRS990ScheduleD/TotalRevenuePerForm990Amt01383394
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01383394
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01347249
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt05000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt120580
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt213557
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt31295
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt42255
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt514532
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Visa
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Shared S
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Auto Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Signature Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Share Secured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt010000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt125000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt216587
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt31500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt44658
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt519300
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Mike Potts
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Ernie Lemos
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Liz Cruz
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Liz Cruz
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Ernest Dowdy
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Gregg Stockdale
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Brd Chai
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Brd Mbr
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Board
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Board
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Brd Mbr
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/TotalBalanceDueAmt057219
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Organized with Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The board of directors is elected by the members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Certain decisions as covered in the bylaws require member approval.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE RETURN PREPARER E-MAILS A DRAFT OF THE FORM 990 TO A DESIGNATED OFFICER AND/OR CEO OF THE CREDIT UNION FOR REVIEW. THE DESIGNATED OFFICER AND/OR CEO SENDS A COPY TO THE BOARD OF DIRECTOR (S). THE 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 THEORGANIZATION'S CEO OR OTHER DESIGNATED INDIVIDUAL(S).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Written statements provided annually are taken at face value.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Comparable compensation data is somewhat used to determine compensation for the CEO, officers, and key employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Comparable compensation data is somewhat used to determine compensation for the CEO, officers, and key employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Governing documents are available upon request. Certain documents are presented at the annual meeting and posted in the lobby.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$33,627,902
Liabilities
$31,139,862
Net assets
$2,488,040
Revenue
$1,383,394
Expenses
$1,347,249
Net income
$36,145
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.90$0.86$1.75
2023Detailed filing. Detailed filing data is available for this year.$49.5$51.2$1.75$2.04$3.40$1.37
2022Detailed filing. Detailed filing data is available for this year.$47.8$48.4$0.59$1.41$1.59$0.19
2021Detailed filing. Detailed filing data is available for this year.$51.5$47.9$3.59$1.57$1.80$0.24
2020Detailed filing. Detailed filing data is available for this year.$48.8$44.0$4.78$1.58$1.53$0.06
2019Detailed filing. Detailed filing data is available for this year.$40.5$35.9$4.52$1.60$1.44$0.16
2018Detailed filing. Detailed filing data is available for this year.$39.5$35.6$3.91$1.41$1.35$0.06
2017Detailed filing. Detailed filing data is available for this year.$38.6$34.7$3.95$1.41$1.34$0.06
2016Detailed filing. Detailed filing data is available for this year.$38.8$34.9$3.88$1.37$1.23$0.15
2015Detailed filing. Detailed filing data is available for this year.$36.9$33.0$3.89$1.37$1.33$0.03
2014Detailed filing. Detailed filing data is available for this year.$35.0$31.4$3.56$1.31$1.34$0.02
2013Detailed filing. Detailed filing data is available for this year.$33.6$31.1$2.49$1.38$1.35$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.0$30.9$4.13$1.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.8$29.8$4.01$1.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.4$29.4$3.98$1.97