STATE CHARTERED CREDIT UNIONS IN LOUISIANA: Form 990, tax year 2020
View the entire original 990 at ProPublica ↗
- Organization
- STATE CHARTERED CREDIT UNIONS IN LOUISIANA (EIN 72-0498240)
- Tax period
- 2020-01-01 to 2020-12-31
- Filed
- 2021-11-10
- IRS object ID
- 202123149349303242
- Schema version
- 2020v4.1
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2021-11-10T12:33:55-05:00 | ReturnTs |
| Tax Period End | 2020-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 592164330 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | Gerald E Creasman CPA PA | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 9200 S Dadeland Blvd Suite 504 | AddressLine1Txt |
| City | Miami | CityNm |
| State Abbreviation | FL | StateAbbreviationCd |
| ZIP | 33156 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2020-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 720498240 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | PELICAN STATE CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | PELI | BusinessNameControlTxt |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 2675 ONEAL LANE | AddressLine1Txt |
| City | BATON ROUGE | CityNm |
| State Abbreviation | LA | StateAbbreviationCd |
| ZIP | 70816 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | JEFFREY CONRAD | PersonNm |
| Person Title | PRESIDENTCEO | PersonTitleTxt |
| Phone | 2254086100 | PhoneNum |
| Signature | 2021-05-14 | SignatureDt |
| Discuss With Paid Preparer | Yes (true) | DiscussWithPaidPreparerInd |
Signing Officer SigningOfficerGrp
Person Full Name PersonFullName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person First | JEFFREY | PersonFirstNm |
| Person Last | CONRAD | PersonLastNm |
| Field | Value | IRS element (for citing) |
|---|---|---|
| SSN | XXX-XX-XXXX | SSN |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | Gerald E Creasman CPA | PreparerPersonNm |
| PTIN | P00428587 | PTIN |
| Phone | 3055960903 | PhoneNum |
| Preparation | 2021-11-10 | PreparationDt |
Additional Filer Information AdditionalFilerInformation
Trusted Customer TrustedCustomerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Trusted Customer | 0 | TrustedCustomerCd |
| OOB Security Verification | 00 | OOBSecurityVerificationCd |
| Authentication Assurance Level | AAL1 | AuthenticationAssuranceLevelCd |
| Identity Assurance Level | IAL1 | IdentityAssuranceLevelCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2020 | TaxYr |
| Build TS | 2022-09-23 18:48:47Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $55,233,073 | GrossReceiptsAmt |
| Group Return For Affiliates | false | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | WWW.PELICANSTATECU.COM | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1956 | FormationYr |
| Legal Domicile State | LA | LegalDomicileStateCd |
| Activity Or Mission | PROVIDING BANKING RELATED SERVICES TO OVER 64,000 MEMBERS OF WHICH MANY FALL BELOW FEDERAL AND STATE POVERTY LEVELS. MANY DO NOT QUALIFY FOR FINANCIAL SERVICES WITH BANKS, INCLUDING CHECKING ACCOUNTS AND MORTGAGE LOANS DUE TO LOW INCOME OR PRIOR CREDIT HISTORY. | ActivityOrMissionDesc |
| Voting Members Governing Body | 9 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 9 | VotingMembersIndependentCnt |
| Total Employee | 370 | TotalEmployeeCnt |
| Total Volunteers | 13 | TotalVolunteersCnt |
| Total Gross UBI | $603,084 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | $0 | NetUnrelatedBusTxblIncmAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $47,143,783 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $52,639,953 | CYProgramServiceRevenueAmt |
| PY Investment Income | $1,039,603 | PYInvestmentIncomeAmt |
| CY Investment Income | $151,830 | CYInvestmentIncomeAmt |
| PY Other Revenue | $388,808 | PYOtherRevenueAmt |
| CY Other Revenue | $2,441,290 | CYOtherRevenueAmt |
| PY Total Revenue | $48,572,194 | PYTotalRevenueAmt |
| CY Total Revenue | $55,233,073 | CYTotalRevenueAmt |
| CY Grants And Similar Paid | $0 | CYGrantsAndSimilarPaidAmt |
| CY Benefits Paid To Members | $0 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $18,865,456 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $21,546,803 | CYSalariesCompEmpBnftPaidAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $25,681,536 | PYOtherExpensesAmt |
| CY Other Expenses | $25,882,948 | CYOtherExpensesAmt |
| PY Total Expenses | $44,546,992 | PYTotalExpensesAmt |
| CY Total Expenses | $47,429,751 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $4,025,202 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $7,803,322 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $396,477,801 | TotalAssetsBOYAmt |
| Total Assets EOY | $527,923,352 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $353,306,290 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $475,900,511 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $43,171,511 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $52,022,841 | NetAssetsOrFundBalancesEOYAmt |
| Mission | PROVIDING BANKING RELATED SERVICES TO OVER 64,000 MEMBERS OF WHICH MANY FALL BELOW FEDERAL AND STATE POVERTY LEVELS. MANY DO NOT QUALIFY FOR FINANCIAL SERVICES WITH BANKS, INCLUDING CHECKING ACCOUNTS AND MORTGAGE LOANS DUE TO LOW INCOME OR PRIOR CREDIT HISTORY. | MissionDesc |
| Significant New Program Srvc | false | SignificantNewProgramSrvcInd |
| Significant Change | false | SignificantChangeInd |
| Expense | $47,429,751 | ExpenseAmt |
| Desc | PARTNERS IN EDUCATION PROFRAMS PROVIDED FREE FINANCIAL EDUCATION PROGRAMS THROUGHOUT THE STATE, INCLUDING CREDIT MANAGEMENT, CREDIT REPAIR, BUDGETING, AND CHECKING ACCOUNT BALANCING. SEMINARS ARE CONDUCTED IN LOCAL K-12 SCHOOLS, COMMUNITY CENTERS, PRISONS, HOMELESS SHELTERS, AND HOSPITALS THROUGHOUT THE STATE. WE PROVIDED A FREE CREDIT COUNSELING PROGRAM TO MEMBERS, HELPING THEM CREATE BUDGETS, REBUILD CREDIT, START SAVING, AND BUUILD ASSETS. 9 EMPLOYEES ARE DEDICATED TO THIS PROGRAM FULL TIME. STAFF CONDUCTED 69 WORKSHOPS THROUGHOUT THE STATE, WITH 2,516 ATTENDEES, OF WHICH 285 WERE MEMBERS AND 2,231 WERE NONMEMBERS. WE ALSO TEACH FINANCIAL EDUCATION TO HIGH SCHOOL STUDENTS AND LAST YEAR WE HELD 14 WORKSHOPS SPEAKING TO 785 STUDENTS. | Desc |
Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | DEPOSIT PROGRAM OFFERING A VARIETY OF SAVINGS AND TRANSACTIONAL PRODUCTS, MOST WITH NO MONTHLY FEE AND ABOVE MARKET INTEREST RATES. CHECKING ACCOUNTS GEARED FOR EASY ENTRY REGARDLESS OF PRIOR CHECKING HISTORY. | Desc |
Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | LOAN PROGRAM WITH COMPETITIVE INTEREST PRICING TO ALL MEMBERS, INCLUDING MEMBERS WITH LITTLE OR POOR CREDIT HISTORY. WIDE SPECTRUM OF LENDING PRODUCTS INCLUDING AUTO LOANS WITH NO DOWN PAYMENT, MORTGAGE LENDING. CREDIT CARDS. UNSECURED LENDING AND PAYDAY ALTERNATIVE LENDING. | Desc |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Expenses | $47,429,751 | TotalProgramServiceExpensesAmt |
| Described In Section501c3 | false | DescribedInSection501c3Ind |
| Schedule B Required | false | ScheduleBRequiredInd |
| Political Campaign Acty | false | PoliticalCampaignActyInd |
| Subject To Proxy Tax | false | SubjectToProxyTaxInd |
| Donor Advised Fund | false | DonorAdvisedFundInd |
| Conservation Easements | false | ConservationEasementsInd |
| Collections Of Art | false | CollectionsOfArtInd |
| Credit Counseling | false | CreditCounselingInd |
| Donor Rstr Or Quasi Endowments | false | DonorRstrOrQuasiEndowmentsInd |
| Report Land Building Equipment | Yes (true) | ReportLandBuildingEquipmentInd |
| Report Investments Other Sec | false | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | false | ReportProgramRelatedInvstInd |
| Report Other Assets | false | ReportOtherAssetsInd |
| Report Other Liabilities | Yes (true) | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | Yes (true) | IncludeFIN48FootnoteInd |
| Independent Audit Fincl Stmt | Yes (true) | IndependentAuditFinclStmtInd |
| Consolidated Audit Fincl Stmt | false | ConsolidatedAuditFinclStmtInd |
| School Operating | false | SchoolOperatingInd |
| Foreign Office | false | ForeignOfficeInd |
| Foreign Activities | false | ForeignActivitiesInd |
| More Than5000 K To Org | false | MoreThan5000KToOrgInd |
| More Than5000 K To Individuals | false | MoreThan5000KToIndividualsInd |
| Professional Fundraising | false | ProfessionalFundraisingInd |
| Fundraising Activities | false | FundraisingActivitiesInd |
| Gaming Activities | false | GamingActivitiesInd |
| Operate Hospital | false | OperateHospitalInd |
| Grants To Organizations | false | GrantsToOrganizationsInd |
| Grants To Individuals | false | GrantsToIndividualsInd |
| Schedule J Required | Yes (true) | ScheduleJRequiredInd |
| Tax Exempt Bonds | false | TaxExemptBondsInd |
| Loan Outstanding | Yes (true) | LoanOutstandingInd |
| Grant To Related Person | false | GrantToRelatedPersonInd |
| Business Rln With Org Mem | false | BusinessRlnWithOrgMemInd |
| Business Rln With Fam Mem | false | BusinessRlnWithFamMemInd |
| Business Rln With35 Ctrl Ent | false | BusinessRlnWith35CtrlEntInd |
| Deductible Non Cash Contri | false | DeductibleNonCashContriInd |
| Deductible Art Contribution | false | DeductibleArtContributionInd |
| Terminate Operations | false | TerminateOperationsInd |
| Partial Liquidation | false | PartialLiquidationInd |
| Disregarded Entity | false | DisregardedEntityInd |
| Related Entity | false | RelatedEntityInd |
| Related Organization Ctrl Ent | false | RelatedOrganizationCtrlEntInd |
| Transaction With Control Ent | false | TransactionWithControlEntInd |
| Activities Conducted Prtshp | false | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (true) | ScheduleORequiredInd |
| IRP Document | 17000 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (true) | BackupWthldComplianceInd |
| Employee | 370 | EmployeeCnt |
| Employment Tax Returns Filed | Yes (true) | EmploymentTaxReturnsFiledInd |
| Unrelated Bus Incm Over Limit | Yes (true) | UnrelatedBusIncmOverLimitInd |
| Form990 T Filed | Yes (true) | Form990TFiledInd |
| Foreign Financial Account | false | ForeignFinancialAccountInd |
| Prohibited Tax Shelter Trans | false | ProhibitedTaxShelterTransInd |
| Taxable Party Notification | false | TaxablePartyNotificationInd |
| Nondeductible Contributions | false | NondeductibleContributionsInd |
| Quid Pro Quo Contributions | false | QuidProQuoContributionsInd |
| Form8282 Property Disposed Of | false | Form8282PropertyDisposedOfInd |
| Rcv Fnds To Pay Prsnl Bnft Cntrct | false | RcvFndsToPayPrsnlBnftCntrctInd |
| Pay Premiums Prsnl Bnft Cntrct | false | PayPremiumsPrsnlBnftCntrctInd |
| Form8899 Filedind | false | Form8899Filedind |
| Form1098 C Filed | false | Form1098CFiledInd |
| DAF Excess Business Holdings | false | DAFExcessBusinessHoldingsInd |
| Taxable Distributions | false | TaxableDistributionsInd |
| Distribution To Donor | false | DistributionToDonorInd |
| Indoor Tanning Services | false | IndoorTanningServicesInd |
| Subj To Tax Rmnrtn Ex Prcht Pymt | false | SubjToTaxRmnrtnExPrchtPymtInd |
| Subject To Excs Tax Net Invst Inc | false | SubjectToExcsTaxNetInvstIncInd |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 9 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 9 | IndependentVotingMemberCnt |
| Family Or Business Rln | false | FamilyOrBusinessRlnInd |
| Delegation Of Mgmt Duties | false | DelegationOfMgmtDutiesInd |
| Change To Org Documents | false | ChangeToOrgDocumentsInd |
| Material Diversion Or Misuse | false | MaterialDiversionOrMisuseInd |
| Members Or Stockholders | Yes (true) | MembersOrStockholdersInd |
| Election Of Board Members | Yes (true) | ElectionOfBoardMembersInd |
| Decisions Subject To Approva | Yes (true) | DecisionsSubjectToApprovaInd |
| Minutes Of Governing Body | Yes (true) | MinutesOfGoverningBodyInd |
| Minutes Of Committees | Yes (true) | MinutesOfCommitteesInd |
| Officer Mailing Address | false | OfficerMailingAddressInd |
| Local Chapters | false | LocalChaptersInd |
| Form990 Provided To Gvrn Body | Yes (true) | Form990ProvidedToGvrnBodyInd |
| Conflict Of Interest Policy | Yes (true) | ConflictOfInterestPolicyInd |
| Annual Disclosure Covered Prsn | Yes (true) | AnnualDisclosureCoveredPrsnInd |
| Regular Monitoring Enfrc | Yes (true) | RegularMonitoringEnfrcInd |
| Whistleblower Policy | Yes (true) | WhistleblowerPolicyInd |
| Document Retention Policy | Yes (true) | DocumentRetentionPolicyInd |
| Compensation Process CEO | Yes (true) | CompensationProcessCEOInd |
| Compensation Process Other | Yes (true) | CompensationProcessOtherInd |
| Investment In Joint Venture | false | InvestmentInJointVentureInd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | MELISSA OTT | PersonNm |
| Phone | 2254086100 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 2675 ONEAL LANE | AddressLine1Txt |
| City | BATON ROUGE | CityNm |
| State Abbreviation | LA | StateAbbreviationCd |
| ZIP | 70816 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (21 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt | OfficerOfficerInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | Highest Compensated EmployeeHighestCompensatedEmployeeInd | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd |
|---|---|---|---|---|---|---|---|---|
| JEFFREY CONRAD | ||||||||
| PRESIDENTCEO | 40.00 | 0.00 | Yes (X) | $406,462 | $0 | $28,352 | ||
| ANNETTE THAMES | ||||||||
| COO | 40.00 | 0.00 | Yes (X) | $231,097 | $0 | $29,019 | ||
| MELISSA OTT | ||||||||
| CFO | 40.00 | 0.00 | Yes (X) | $225,648 | $0 | $24,883 | ||
| MICHAEL MORGAN | ||||||||
| SR VP | 40.00 | 0.00 | $203,392 | $0 | $11,530 | Yes (X) | ||
| PAIGE CORCORAN | ||||||||
| VP | 40.00 | 0.00 | $168,410 | $0 | $28,938 | Yes (X) | ||
| LINDSEY RICHARD | ||||||||
| VP | 40.00 | 0.00 | $164,551 | $0 | $20,188 | Yes (X) | ||
| MICHELLE FORD | ||||||||
| VP | 40.00 | 0.00 | $148,453 | $0 | $24,374 | Yes (X) | ||
| LEIGH PORTA | ||||||||
| SR VP | 40.00 | 0.00 | $143,578 | $0 | $9,091 | Yes (X) | ||
| BEN MANRY | ||||||||
| VP | 40.00 | 0.00 | $139,190 | $0 | $9,624 | Yes (X) | ||
| SHARON COLLINS | ||||||||
| AVP | 40.00 | 0.00 | $123,032 | $0 | $15,414 | Yes (X) | ||
| MATTHEW RABALAIS | ||||||||
| AVP | 40.00 | 0.00 | $108,026 | $0 | $3,504 | Yes (X) | ||
| DOUG KRATZER | ||||||||
| VP | 40.00 | 0.00 | $108,228 | $0 | $1,995 | Yes (X) | ||
| LINDA LOCHBRUNNER | ||||||||
| BOARD TREASURER | 1.00 | 0.00 | $4,000 | $0 | $0 | Yes (X) | ||
| DAVID COLVIN | ||||||||
| DIRECTOR | 1.00 | 0.00 | $4,000 | $0 | $0 | Yes (X) | ||
| GARY CROCKETT | ||||||||
| BOARD CHAIR | 1.00 | 0.00 | $4,000 | $0 | $0 | Yes (X) | ||
| ARYON MCGUIRE | ||||||||
| DIRECTOR | 1.00 | 0.00 | $4,000 | $0 | $0 | Yes (X) | ||
| DAVID GILL | ||||||||
| 2ND VICE CHAIR | 1.00 | 0.00 | $3,500 | $0 | $0 | Yes (X) | ||
| SAMUEL MCDANIEL | ||||||||
| DIRECTOR | 1.00 | 0.00 | $3,500 | $0 | $0 | Yes (X) | ||
| WILLIAM MULLINNIX | ||||||||
| DIRECTOR | 1.00 | 0.00 | $3,500 | $0 | $0 | Yes (X) | ||
| SHANNON THORN | ||||||||
| DIRECTOR | 1.00 | 0.00 | $3,000 | $0 | $0 | Yes (X) | ||
| JANELLE FOLSE | ||||||||
| BOARD VICE CHAIR | 1.00 | 0.00 | $0 | $0 | $0 | Yes (X) | ||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $2,199,567 | TotalReportableCompFromOrgAmt |
| Tot Reportable Comp Rltd Org | $0 | TotReportableCompRltdOrgAmt |
| Total Other Compensation | $206,912 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 12 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | false | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (true) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | false | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp (5 entries)
| Address Line1ContractorAddress/USAddress/AddressLine1Txt | CityContractorAddress/USAddress/CityNm | State AbbreviationContractorAddress/USAddress/StateAbbreviationCd | ZIPContractorAddress/USAddress/ZIPCd | ServicesServicesDesc | CompensationCompensationAmt |
|---|---|---|---|---|---|
| LABARRE ASSOCIATES INC | |||||
| 8385 RUSHING ROAD | DENHAM SPRINGS | LA | 70726 | FACILITY MAINT | $6,857,004 |
| JACK HENRY ASSOCIATES INC | |||||
| PO BOX 609 | MONETT | MO | 65708 | DATE PROCESSOR | $668,246 |
| WORKPLACE | |||||
| 1 HACKER WAY | MENLO PARK | CA | 94025 | COMMUNICATIONS | $2,158,712 |
| KASASA LTD | |||||
| PO BOX 527 | LUBBOCK | TX | 79408 | MARKETINGSOFTWARE | $419,136 |
| ASI-SIGN | |||||
| 8181 JETSTAR DRIVE STE 100 | IRVING | TX | 75063 | SIGNAGE | $410,516 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 23 | CntrctRcvdGreaterThan100KCnt |
Program Service Revenue ProgramServiceRevenueGrp (5 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt | Unrelated Business RevenueUnrelatedBusinessRevenueAmt |
|---|---|---|---|---|
| INCOME ON LOANS | 522291 | $28,380,861 | $28,380,861 | |
| FEES AND CHARGES | 522291 | $23,656,008 | $23,656,008 | |
| SHARED BRANCHING | 900099 | $143,267 | $143,267 | |
| NON MEMBER ATMS | 525990 | $276,217 | $276,217 | |
| WARRANTY INCOME | 524298 | $183,600 | $183,600 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $52,639,953 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $199,194 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $199,194 | RelatedOrExemptFuncIncomeAmt |
Gross Amount Sales Assets GrossAmountSalesAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | -$47,364 | OtherAmt |
Gain Or Loss GainOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | -$47,364 | OtherAmt |
Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | -$47,364 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | -$47,364 | RelatedOrExemptFuncIncomeAmt |
Other Revenue Misc OtherRevenueMiscGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | OTHER NON OPERATING INC | Desc |
| Business | 522100 | BusinessCd |
| Total Revenue Column | $2,441,290 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $2,441,290 | RelatedOrExemptFuncIncomeAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Revenue Total | $2,441,290 | OtherRevenueTotalAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $55,233,073 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $54,629,989 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $603,084 | UnrelatedBusinessRevenueAmt |
| Exclusion | $0 | ExclusionAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,992,655 | TotalAmt |
| Program Services | $1,992,655 | ProgramServicesAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $14,748,335 | TotalAmt |
| Program Services | $14,748,335 | ProgramServicesAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,156,187 | TotalAmt |
| Program Services | $1,156,187 | ProgramServicesAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,463,722 | TotalAmt |
| Program Services | $2,463,722 | ProgramServicesAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,185,904 | TotalAmt |
| Program Services | $1,185,904 | ProgramServicesAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $38,774 | TotalAmt |
| Program Services | $38,774 | ProgramServicesAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $152,030 | TotalAmt |
| Program Services | $152,030 | ProgramServicesAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $411,578 | TotalAmt |
| Program Services | $411,578 | ProgramServicesAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $257,623 | TotalAmt |
| Program Services | $257,623 | ProgramServicesAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,466,442 | TotalAmt |
| Program Services | $1,466,442 | ProgramServicesAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $167,520 | TotalAmt |
| Program Services | $167,520 | ProgramServicesAmt |
Conferences Meetings ConferencesMeetingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $275,261 | TotalAmt |
| Program Services | $275,261 | ProgramServicesAmt |
Interest InterestGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $5,254,373 | TotalAmt |
| Program Services | $5,254,373 | ProgramServicesAmt |
Payments To Affiliates PaymentsToAffiliatesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $104,123 | TotalAmt |
| Program Services | $104,123 | ProgramServicesAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,073,289 | TotalAmt |
| Program Services | $2,073,289 | ProgramServicesAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $777,851 | TotalAmt |
| Program Services | $777,851 | ProgramServicesAmt |
Other Expenses OtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | SEE ATTACHED | Desc |
| Total | $14,904,084 | TotalAmt |
| Program Services | $14,904,084 | ProgramServicesAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $47,429,751 | TotalAmt |
| Program Services | $47,429,751 | ProgramServicesAmt |
| Management And General | $0 | ManagementAndGeneralAmt |
| Fundraising | $0 | FundraisingAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $6,215,421 | BOYAmt |
| EOY | $11,104,756 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $22,972,502 | BOYAmt |
| EOY | $38,016,435 | EOYAmt |
Accounts Receivable AccountsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,981,593 | BOYAmt |
| EOY | $3,246,722 | EOYAmt |
Receivables From Officers Etc ReceivablesFromOfficersEtcGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,592,419 | BOYAmt |
| EOY | $2,738,257 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $320,117,011 | BOYAmt |
| EOY | $415,428,574 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,000,353 | BOYAmt |
| EOY | $1,070,681 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $45,642,018 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $9,752,859 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $12,612,603 | BOYAmt |
| EOY | $35,889,159 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,938,872 | BOYAmt |
| EOY | $602,143 | EOYAmt |
Investments Other Securities InvestmentsOtherSecuritiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $506,305 | BOYAmt |
Intangible Assets IntangibleAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $194,867 | BOYAmt |
| EOY | $447,534 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $24,345,855 | BOYAmt |
| EOY | $19,379,091 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $396,477,801 | BOYAmt |
| EOY | $527,923,352 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,707,156 | BOYAmt |
| EOY | $4,246,063 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $349,599,134 | BOYAmt |
| EOY | $471,654,448 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $353,306,290 | BOYAmt |
| EOY | $475,900,511 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Org Does Not Follow FASB117 | Yes (X) | OrgDoesNotFollowFASB117Ind |
Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $43,171,511 | BOYAmt |
| EOY | $52,022,841 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $43,171,511 | BOYAmt |
| EOY | $52,022,841 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $396,477,801 | BOYAmt |
| EOY | $527,923,352 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | Yes (X) | InfoInScheduleOPartXIInd |
| Reconcilation Revenue Expnss | $7,803,322 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | $31,921 | NetUnrlzdGainsLossesInvstAmt |
| Other Changes In Net Assets | $1,016,087 | OtherChangesInNetAssetsAmt |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | false | AccountantCompileOrReviewInd |
| FS Audited | Yes (true) | FSAuditedInd |
FS Audited Basis FSAuditedBasisGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Separate Basis Fincl Stmt | Yes (X) | SeparateBasisFinclStmtInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | Yes (true) | AuditCommitteeInd |
| Federal Grant Audit Required | false | FederalGrantAuditRequiredInd |
Schedule D IRS990ScheduleD
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $6,213,319 | OtherCostOrOtherBasisAmt |
| Book Value | $6,213,319 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $24,873,463 | OtherCostOrOtherBasisAmt |
| Depreciation | $1,671,330 | DepreciationAmt |
| Book Value | $23,202,133 | BookValueAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $2,035,527 | OtherCostOrOtherBasisAmt |
| Depreciation | $1,123,922 | DepreciationAmt |
| Book Value | $911,605 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $12,320,893 | OtherCostOrOtherBasisAmt |
| Depreciation | $6,957,607 | DepreciationAmt |
| Book Value | $5,363,286 | BookValueAmt |
Other Land Buildings OtherLandBuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $198,816 | OtherCostOrOtherBasisAmt |
| Book Value | $198,816 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $35,889,159 | TotalBookValueLandBuildingsAmt |
Other Assets Org OtherAssetsOrgGrp (7 entries)
| DescDesc | Book ValueBookValueAmt |
|---|---|
| NCUSIF | $4,531,444 |
| EXECUTIVE BENEFOTS LIFE INS | $4,608,627 |
| ACCRUED INTEREST | $2,340,585 |
| INVESTMENT IN CUSOS | $241,391 |
| PROPERTY HELD FOR SALE | $4,735,735 |
| COLI SPLIT DOLLAR | $2,738,257 |
| FORECLOSED ASSETS | $183,052 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Other Assets | $19,379,091 | TotalBookValueOtherAssetsAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | MEMBER SHARES | Desc |
| Amt | $471,654,448 | Amt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $471,654,448 | TotalLiabilityAmt |
| Footnote Text | Yes (X) | FootnoteTextInd |
| Total Rev Etc Audited Fincl Stmt | $55,233,073 | TotalRevEtcAuditedFinclStmtAmt |
| Revenue Subtotal | $55,233,073 | RevenueSubtotalAmt |
| Total Revenue Per Form990 | $55,233,073 | TotalRevenuePerForm990Amt |
| Tot Expns Etc Audited Fincl Stmt | $47,429,751 | TotExpnsEtcAuditedFinclStmtAmt |
| Expenses Subtotal | $47,429,751 | ExpensesSubtotalAmt |
| Total Expenses Per Form990 | $47,429,751 | TotalExpensesPerForm990Amt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | Footnote for uncertain tax position under FIN 48 (Part X) | FormAndLineReferenceDesc |
| Explanation | PART X, LINE 2:THE CREDIT UNION IS EXEMPT, BY STATUTUE INTERNAL REVENUE CODE (IRC) SECTION 501 (C)(14), FROM FEDERAL INCOME TAX. THE INCOME TAX TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE MORE LIKELY THEN NOT STANDARD FOR SUBSTANTIABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN IRC SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL INCOME TAXATION OF INCOME DERIVED FROM ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSE. PART X, LINE2:CONTINUEDHOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. IN MARCH 2008, THE IRS RELEASED TECHNICAL ADVICE MEMORANDUMS (TAMS) TO SPECIFIC STATE CHARTERED CUS SPECIFYING THE REVENUE SOURCES SUBJECT TO UBI TAX. UBI MAY ALSO BE SUBJECT TO STATE TAXES. MANAGEMENT HAS ASSESSED THE CUS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE TAX LIABILITY AND DETERMINED THAT THE CU HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNATION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. CURRENTLY, THE 2019,2018 & 2017 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THESE TAX RETURNS ARE ALSO OPEN TO STATE EXAMINATION. | ExplanationTxt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | Yes (X) | TravelForCompanionsInd |
| Written Policy Ref T And E Expnss | Yes (true) | WrittenPolicyRefTAndEExpnssInd |
| Substantiation Required | Yes (true) | SubstantiationRequiredInd |
| Compensation Committee | Yes (X) | CompensationCommitteeInd |
| Independent Consultant | Yes (X) | IndependentConsultantInd |
| Compensation Survey | Yes (X) | CompensationSurveyInd |
| Board Or Committee Approval | Yes (X) | BoardOrCommitteeApprovalInd |
| Severance Payment | false | SeverancePaymentInd |
| Supplemental Nonqual Rtr Plan | Yes (true) | SupplementalNonqualRtrPlanInd |
| Equity Based Comp Arrngm | false | EquityBasedCompArrngmInd |
Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (8 entries)
| TitleTitleTxt | Base Compensation Filing OrgBaseCompensationFilingOrgAmt | Bonus Filing OrganizationBonusFilingOrganizationAmount | Other Compensation Filing OrgOtherCompensationFilingOrgAmt | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt | Total Compensation Filing OrgTotalCompensationFilingOrgAmt |
|---|---|---|---|---|---|
| JEFFREY CONRAD | |||||
| PRESIDENTCEO | $352,241 | $51,899 | $2,322 | $28,352 | $434,814 |
| MELISSA OTT | |||||
| CFO | $193,677 | $31,627 | $344 | $24,883 | $250,531 |
| ANNETTE THAMES | |||||
| COO | $212,009 | $18,115 | $973 | $29,019 | $260,116 |
| MICHAEL MORGAN | |||||
| SR VP | $182,010 | $20,852 | $530 | $11,530 | $214,922 |
| LEIGH PORTA | |||||
| SR VP | $130,549 | $12,805 | $224 | $9,091 | $152,669 |
| LINDSEY RICHARD | |||||
| VP | $142,810 | $20,606 | $1,135 | $20,188 | $184,739 |
| MICHELLE FORD | |||||
| VP | $133,882 | $14,200 | $371 | $24,374 | $172,827 |
| PAIGE CORCORAN | |||||
| VP | $156,417 | $10,659 | $1,334 | $28,938 | $197,348 |
Schedule L IRS990ScheduleL
Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | JEFFREY CONRAD | PersonNm |
| Relationship With Org | CEO | RelationshipWithOrgTxt |
| Loan Purpose | SPLIT DOLLAR | LoanPurposeTxt |
| Loan From Organization | Yes (X) | LoanFromOrganizationInd |
| Original Principal | $2,500,000 | OriginalPrincipalAmt |
| Balance Due | $2,738,257 | BalanceDueAmt |
| Default | false | DefaultInd |
| Board Or Committee Approval | Yes (true) | BoardOrCommitteeApprovalInd |
| Written Agreement | Yes (true) | WrittenAgreementInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Balance Due | $2,738,257 | TotalBalanceDueAmt |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (9 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| Members or stockholder classes and rights Part VI line 6 | ORGANIZATION IS MADE UP OF INDIVIDUALS WHO EACH PAY $5.00 MEMBERSHIP FEE AND DEPOSIT OF $5.00 MINIMUM BALANCE INTO A SHARE (SAVINGS) ACCOUNT. |
| Member election for additional members Part VI line 7a | ANY MEMBER WITH A $5.00 MINIMUM BALANCE (PAR VALUE OF A SHARE) IN THEIR REGULAR SHARE (SAVINGS) ACCOUNT IS ENTITLED TO A VOTE ON THE BOARD OF DIRECTORS. ELECTIONS OCCUR AT THE ANNUAL MEMBERSHIP MEETING HELD IN APRIL EACH YEAR. |
| Governing body decisions Part VI line 7b | MODIFICATIONS TO THE ARTICLES OF INCORPORATION UNDER WHICH THE CREDIT UNION IS CHARTERED ARE REQUIRED TO BE APPROVED BY A MAJORITY VOTE OF THE MEMBERS. |
| Form 990 governing body review Part VI line 11 | FORM 990 IS IS REVIEWED BY SENIOR MANAGEMENT EMPLOYEES BEFORE BEING EMAILED TO THE FULL BOARD OF DIRECTORS PRIOR TO FILING. |
| Conflict of interest policy compliance Part VI line 12c | OUR INDEPENDENT CPA FIRM IN CONJUNCTION WITH THE SUPERVISORY COMMITTEE, REVIEW INTERNAL CONTROLS AND CONFLICTS OF INTEREST REGULARLY AND CONSISTENLY (ANNUALLLY). THIS INFORMATION IS REPORTED DIRECTLY TO THE BOARD OF DIRECTORS AND MANAGEMENT. IN BETWEEN THOSE REVIEWS OUR INTERNAL AUDIT DEPARTMENT REVIEWS THE CONFLICT OF INTEREST POLICY, AND REPORTS BACK TO SENIOR MANAGEMENT. ADDITIONALLY, THE CREDIT UNION SUBSCRIBES TO ETHICSPOINT SOFTWARE, WHERE EMPLOYEES CAN ANONYMOUSLY REPORT SUSPICIONS OR CONCERNS. THESE REPORTS ARE IMMEDIATELY COMMUNICATED TO ALL SENIOR MANAGEMENT AND HR UNLESS A CONCERN LIES WITH A SENIOR MANAGER, AT WHICH POINT THE REPORT WOULD BE COMMUNICATED TO ALL OTHER SENIOR MANAGERS AND A REPRESENTATIVE OF THE SUPERVISORY COMMITTEE. |
| CEO executive director top management comp Part VI line 15a | ALL EMPLOYEES SALARIES INCLUDING KEY EMPLOYEES ARE DETERMINED BY A SALARY SOFTWARE. SOFTWARE INTEGRATED SALARY SURVEYS FROM 3 INDEPENDENT SOURCES TO FORMULATE A SALARY RANGE FOR EACH POSITION, WITH STEP INCREASES BASED ON TENURE IN POSITION. EMPLOYEES UNDERGO A PERFORMANCE REVIEW ANNUALLY WITH A SCORE THAT IS APPLIED AS A MERIT INCREASE, THE SALARY SURVEY DATA DETERMINES IF MARKET INCREASES ARE APPLICABLE IN ADDITION TO THE MERIT INCREASE. |
| Other officer or key employee compensation Part VI line 15b | SEE SCHEDULE O FORM 990, PART VI, SECTION B, LINE 15 |
| Governing documents etc available to public Part VI line 19 | ALL INFORMATION IS AVAILABLE UPON REQUEST, WITH FINANCIAL DATA PRESENTTED TO MEMBERSHIP AT THE ANNUAL MEMBERSHIP MEETING HELD IN APRIL. |
| Explanation of other changes in net assets or fund balances Part XI line 9 | ADJUSTMENT FOR EQUITY ACQUIRED IN MERGER |