COMMUNITY 1ST CREDIT UNION: Form 990, tax year 2014
View the entire original 990 at ProPublica ↗
- Organization
- COMMUNITY 1ST CREDIT UNION (EIN 91-0403380)
- Tax period
- 2014-01-01 to 2014-12-31
- Filed
- 2015-09-17
- IRS object ID
- 201542799349300739
- Schema version
- 2014v5.0
- 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 | 2015-09-17T10:09:11-07:00 | ReturnTs |
| Tax Period End | 2014-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 451225955 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | Jones & Sas LLC CPAs | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 823 W Main St Ste 7 | AddressLine1Txt |
| City | Sumner | CityNm |
| State Abbreviation | WA | StateAbbreviationCd |
| ZIP | 98390 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2014-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 910403380 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | COMMUNITY 1ST CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | COMM | BusinessNameControlTxt |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 870 | AddressLine1Txt |
| City | Dupont | CityNm |
| State Abbreviation | WA | StateAbbreviationCd |
| ZIP | 98327 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | ROGER GIESEKE | PersonNm |
| Person Title | PRESCEO | PersonTitleTxt |
| Phone | 2537225212 | PhoneNum |
| Signature | 2015-09-15 | SignatureDt |
| Discuss With Paid Preparer | false | DiscussWithPaidPreparerInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | ELLEN M SAS | PreparerPersonNm |
| PTIN | P01800945 | PTIN |
| Phone | 2538912940 | PhoneNum |
| Preparation | 2015-09-17 | PreparationDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2014 | TaxYr |
| Build TS | 2016-02-25 16:41:14Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Principal Officer | ROGER GIESEKE | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 955 ROSS LOOP SUITE 100 | AddressLine1Txt |
| City | DUPONT | CityNm |
| State Abbreviation | WA | StateAbbreviationCd |
| ZIP | 98327 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $15,650,449 | GrossReceiptsAmt |
| Group Return For Affiliates | false | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | WWW.MYC1CU.COM | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1934 | FormationYr |
| Legal Domicile State | WA | LegalDomicileStateCd |
| Activity Or Mission | TO BUILD RELATIONSHIPS BY DELIVERING VALUED BANKING SOLUTIONS. OUR GOAL IS TO BE RESPONSIVE TO MEMBER FINANCIAL NEEDS, PROMOTE THRIFT, PROVIDE A FULL RANGE OF SERVICES, MAINTAIN FINANCIAL STABILITY, AND MANAGE GROWTH WHILE OFFERING REWARDING CAREERS TO OUR EMPLOYEES. | ActivityOrMissionDesc |
| Voting Members Governing Body | 8 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 8 | VotingMembersIndependentCnt |
| Total Employee | 66 | TotalEmployeeCnt |
| Total Volunteers | 10 | TotalVolunteersCnt |
| Total Gross UBI | $84,449 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | -$20,494 | NetUnrelatedBusTxblIncmAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $4,221,569 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $4,210,136 | CYProgramServiceRevenueAmt |
| PY Investment Income | $415,703 | PYInvestmentIncomeAmt |
| CY Investment Income | $327,739 | CYInvestmentIncomeAmt |
| PY Other Revenue | $204,810 | PYOtherRevenueAmt |
| CY Other Revenue | $112,574 | CYOtherRevenueAmt |
| PY Total Revenue | $4,842,082 | PYTotalRevenueAmt |
| CY Total Revenue | $4,650,449 | CYTotalRevenueAmt |
| CY Grants And Similar Paid | $0 | CYGrantsAndSimilarPaidAmt |
| CY Benefits Paid To Members | $0 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $1,912,311 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $1,844,921 | CYSalariesCompEmpBnftPaidAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $2,723,721 | PYOtherExpensesAmt |
| CY Other Expenses | $2,643,251 | CYOtherExpensesAmt |
| PY Total Expenses | $4,636,032 | PYTotalExpensesAmt |
| CY Total Expenses | $4,488,172 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $206,050 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $162,277 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $113,854,190 | TotalAssetsBOYAmt |
| Total Assets EOY | $114,679,891 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $97,600,093 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $97,352,193 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $16,254,097 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $17,327,698 | NetAssetsOrFundBalancesEOYAmt |
| Info In Schedule O Part III | Yes (X) | InfoInScheduleOPartIIIInd |
| Mission | TO BUILD RELATIONSHIPS BY DELIVERING VALUED BANKING SOLUTIONS. OUR GOAL IS TO BE RESPONSIVE TO MEMBER FINANCIAL NEEDS, PROMOTE THRIFT, PROVIDE A FULL RANGE OF SERVICES, MAINTAIN FINANCIAL STABILITY, AND MANAGE GROWTH WHILE OFFERING REWARDING CAREERS TO OUR EMPLOYEES. | MissionDesc |
| Significant New Program Srvc | Yes (true) | SignificantNewProgramSrvcInd |
| Significant Change | false | SignificantChangeInd |
| Desc | MUTUAL, MEMBERSHIP BENEFIT PROGRAMS, GENERAL/OTHER: PROVIDED ITS 8443 MEMBERS THE OPPORTUNITY FOR SAVINGS, DEPOSIT, LOANS, AND OTHER FINANCIAL SERVICES. GRANTED 1684 LOANS TOTALING 34,524,524 TO ITS MEMBERS DURING 2014. | Desc |
| 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 |
| Temp Or Permanent Endowments | false | TempOrPermanentEndowmentsInd |
| Report Land Building Equipment | Yes (true) | ReportLandBuildingEquipmentInd |
| Report Investments Other Sec | false | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | false | ReportProgramRelatedInvstInd |
| Report Other Assets | Yes (true) | ReportOtherAssetsInd |
| Report Other Liabilities | Yes (true) | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | false | IncludeFIN48FootnoteInd |
| Independent Audit Fincl Stmt | false | 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 | false | LoanOutstandingInd |
| Grant To Related Person | false | GrantToRelatedPersonInd |
| Business Rln With Org Mem | false | BusinessRlnWithOrgMemInd |
| Business Rln With Fam Mem | false | BusinessRlnWithFamMemInd |
| Business Rln With Officer Ent | false | BusinessRlnWithOfficerEntInd |
| 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 |
| Activities Conducted Prtshp | false | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (true) | ScheduleORequiredInd |
| IRP Document | 1977 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Employee | 66 | 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 |
| Indoor Tanning Services | false | IndoorTanningServicesInd |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 8 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 8 | 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 | false | DecisionsSubjectToApprovaInd |
| Minutes Of Governing Body | Yes (true) | MinutesOfGoverningBodyInd |
| Minutes Of Committees | Yes (true) | MinutesOfCommitteesInd |
| Officer Mailing Address | false | OfficerMailingAddressInd |
| Local Chapters | Yes (true) | LocalChaptersInd |
| Policies Reference Chapters | Yes (true) | PoliciesReferenceChaptersInd |
| 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 | false | 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 |
| Other Website | Yes (X) | OtherWebsiteInd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | ROGER GIESEKE | PersonNm |
| Phone | 2537225212 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 955 ROSS LOOP SUITE 100 | AddressLine1Txt |
| City | DUPONT | CityNm |
| State Abbreviation | WA | StateAbbreviationCd |
| ZIP | 98327 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (13 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | OfficerOfficerInd |
|---|---|---|---|---|---|---|---|
| STEVE BATES | |||||||
| DIRECTOR | 1.00 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| NICK KUNZ | |||||||
| SUPERVISOR COMMITTEE | 1.00 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| ANNE KUSH | |||||||
| SUPERVISOR COMMITTEE | 1.00 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| JAN PARENT | |||||||
| DIRECTOR | 1.00 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| JAMES REID | |||||||
| SUPERVISOR COMMITTEE CHAIRDI | 1.50 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| ELAINE TIERNEY | |||||||
| DIRECTOR | 1.00 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| KEN TITUS | |||||||
| DIRECTOR | 1.00 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| LARRY WILLIAMS | |||||||
| DIRECTOR | 1.00 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| TERESA WILLIAMS | |||||||
| DIRECTOR | 1.00 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| FRANK WORDEN | |||||||
| BOARD CHAIR | 2.00 | 0.00 | Yes (X) | $0 | $0 | $0 | |
| ROGER GIESEKE | |||||||
| PRESCEO | 50.00 | 0.00 | $264,499 | $0 | $174,812 | Yes (X) | |
| CINDY MCKRILL | |||||||
| EXEC VICE PRESIDENT | 50.00 | 0.00 | $123,935 | $0 | $34,295 | Yes (X) | |
| LISA ZVIRZDYS | |||||||
| VP SALESMARKETING | 50.00 | 0.00 | $89,232 | $0 | $14,087 | Yes (X) | |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $477,666 | TotalReportableCompFromOrgAmt |
| Tot Reportable Comp Rltd Org | $0 | TotReportableCompRltdOrgAmt |
| Total Other Compensation | $223,194 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 2 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | false | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (true) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | false | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp
Contractor Name ContractorName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | FISERV INC | PersonNm |
Contractor Address ContractorAddress
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 99924 | AddressLine1Txt |
| City | Grapevine | CityNm |
| State Abbreviation | TX | StateAbbreviationCd |
| ZIP | 760999724 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Services | DATASAFE ACCT PROC | ServicesDesc |
| Compensation | $169,771 | CompensationAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 1 | CntrctRcvdGreaterThan100KCnt |
Program Service Revenue ProgramServiceRevenueGrp (5 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt | Unrelated Business RevenueUnrelatedBusinessRevenueAmt |
|---|---|---|---|---|
| INTEREST ON LOANS | 522291 | $2,910,067 | $2,910,067 | |
| FEES & CHARGES | 522100 | $910,184 | $910,184 | |
| INTERCHANGE INCOME | 522210 | $311,900 | $311,900 | |
| NON-MEMBER ATM FEES | 525990 | $38,796 | $38,796 | |
| INSURANCE INCOME | 524298 | $39,189 | $39,189 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $4,210,136 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $328,524 | TotalRevenueColumnAmt |
| Exclusion | $328,524 | ExclusionAmt |
Gross Rents GrossRentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $9,485 | RealAmt |
Rental Income Or Loss RentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $9,485 | RealAmt |
Net Rental Income Or Loss NetRentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $9,485 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $9,485 | RelatedOrExemptFuncIncomeAmt |
Gross Amount Sales Assets GrossAmountSalesAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $10,998,100 | SecuritiesAmt |
| Other | $1,115 | OtherAmt |
Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $11,000,000 | SecuritiesAmt |
Gain Or Loss GainOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | -$1,900 | SecuritiesAmt |
| Other | $1,115 | OtherAmt |
Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | -$785 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | -$785 | RelatedOrExemptFuncIncomeAmt |
Other Revenue Misc OtherRevenueMiscGrp (3 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | ExclusionExclusionAmt |
|---|---|---|---|
| GAIN ON SALE OF MORTGAG | 900099 | $40,004 | $40,004 |
| FREDDIE MAC SERVICING | 900099 | $22,299 | $22,299 |
| MISC INCOME | 900099 | $15,989 | $15,989 |
Miscellaneous Revenue MiscellaneousRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $24,797 | TotalRevenueColumnAmt |
| Unrelated Business Revenue | $6,464 | UnrelatedBusinessRevenueAmt |
| Exclusion | $18,333 | ExclusionAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Revenue Total | $103,089 | OtherRevenueTotalAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $4,650,449 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $4,140,851 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $84,449 | UnrelatedBusinessRevenueAmt |
| Exclusion | $425,149 | ExclusionAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $698,461 | TotalAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $871,321 | TotalAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $122,723 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $29,435 | TotalAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $122,981 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $4,000 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $28,100 | TotalAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $53,491 | TotalAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $257,051 | TotalAmt |
Information Technology InformationTechnologyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $274,432 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $216,104 | TotalAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $14,966 | TotalAmt |
Conferences Meetings ConferencesMeetingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,772 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $372,079 | TotalAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $290,568 | TotalAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt | Program ServicesProgramServicesAmt |
|---|---|---|
| DIVIDEND EXPENSE | $303,193 | $303,193 |
| LOAN SERVICE AND COLLECTION | $378,462 | $378,462 |
| VISA FEES AND CHARGES | $167,495 | $167,495 |
| CREDITDEBIT CARD EXPENSE | $127,707 | $127,707 |
All Other Expenses AllOtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $152,831 | TotalAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $4,488,172 | TotalAmt |
| Program Services | $0 | ProgramServicesAmt |
| Management And General | $0 | ManagementAndGeneralAmt |
| Fundraising | $0 | FundraisingAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,093,665 | BOYAmt |
| EOY | $1,340,990 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,000,000 | BOYAmt |
| EOY | $11,800,000 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $56,747,557 | BOYAmt |
| EOY | $68,627,292 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $641,837 | BOYAmt |
| EOY | $912,459 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $10,362,010 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $2,474,444 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $8,173,541 | BOYAmt |
| EOY | $7,887,566 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $36,355,723 | BOYAmt |
| EOY | $13,953,920 | EOYAmt |
Investments Program Related InvestmentsProgramRelatedGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,000 | BOYAmt |
| EOY | $2,000 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $7,839,867 | BOYAmt |
| EOY | $10,155,664 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $113,854,190 | BOYAmt |
| EOY | $114,679,891 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,237,252 | BOYAmt |
| EOY | $2,642,857 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $95,362,841 | BOYAmt |
| EOY | $94,709,336 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $97,600,093 | BOYAmt |
| EOY | $97,352,193 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Org Does Not Follow SFAS117 | Yes (X) | OrgDoesNotFollowSFAS117Ind |
Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $16,254,097 | BOYAmt |
| EOY | $17,327,698 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $16,254,097 | BOYAmt |
| EOY | $17,327,698 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $113,854,190 | BOYAmt |
| EOY | $114,679,891 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | Yes (X) | InfoInScheduleOPartXIInd |
| Reconcilation Revenue Expnss | $162,277 | ReconcilationRevenueExpnssAmt |
| Other Changes In Net Assets | $911,324 | OtherChangesInNetAssetsAmt |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | false | AccountantCompileOrReviewInd |
| FS Audited | false | FSAuditedInd |
| Federal Grant Audit Required | false | FederalGrantAuditRequiredInd |
Schedule D IRS990ScheduleD
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $1,977,653 | OtherCostOrOtherBasisAmt |
| Book Value | $1,977,653 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $5,573,630 | OtherCostOrOtherBasisAmt |
| Depreciation | $806,966 | DepreciationAmt |
| Book Value | $4,766,664 | BookValueAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $423,805 | OtherCostOrOtherBasisAmt |
| Depreciation | $124,088 | DepreciationAmt |
| Book Value | $299,717 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $2,386,922 | OtherCostOrOtherBasisAmt |
| Depreciation | $1,543,390 | DepreciationAmt |
| Book Value | $843,532 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $7,887,566 | TotalBookValueLandBuildingsAmt |
Invst Program Related Org InvstProgramRelatedOrgGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | OTHER INVESTMENTS | Desc |
| Book Value | $2,000 | BookValueAmt |
| Method Valuation | F | MethodValuationCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Program Rltd | $2,000 | TotalBookValueProgramRltdAmt |
Other Assets Org OtherAssetsOrgGrp (8 entries)
| DescDesc | Book ValueBookValueAmt |
|---|---|
| ANNUITIES & LIFE INSURANCE CONTRACT | $5,024,938 |
| OTHER RECEIVABLES | $3,705,788 |
| NCUSIF DEPOSIT | $889,124 |
| ACCRUED INTEREST RECEIVABLE | $172,298 |
| MORTGAGE SERVICING ASSET RIGHTS | $79,625 |
| ASSETS ACQUIRED IN LIQUIDATION | $27,027 |
| OTHER ASSETS | $1,864 |
| LOANS HFS | $255,000 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Other Assets | $10,155,664 | TotalBookValueOtherAssetsAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp (4 entries)
| DescDesc | AmtAmt |
|---|---|
| MEMBER SHARES AND DEPOSITS | $94,585,489 |
| ACCRUED EXPENSES | $116,241 |
| TAXES PAYABLE | $5,046 |
| OTHER LIABILITIES | $2,560 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $94,709,336 | TotalLiabilityAmt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| 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 (2 entries)
| TitleTitleTxt | Base Compensation Filing OrgBaseCompensationFilingOrgAmt | Other Compensation Filing OrgOtherCompensationFilingOrgAmt | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt | Total Compensation Filing OrgTotalCompensationFilingOrgAmt |
|---|---|---|---|---|
| ROGER GIESEKE | ||||
| PRESCEO | $262,099 | $2,400 | $174,812 | $439,311 |
| CINDY MCKRILL | ||||
| EXEC VICE PRESIDENT | $121,535 | $2,400 | $34,295 | $158,230 |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | Listed persons compensation information (Part I, line 4) | FormAndLineReferenceDesc |
| Explanation | ROGER GIESEKSEVERANCENONQUALIFIED $124,118EQUITY BASED OFFICERS PARTICIPATE IN457(b) AND 457(f) PLANS BUT DID NOT RECEIVE PAYMENTS DURING 2014. | ExplanationTxt |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (9 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| Members or stockholder classes and rights Part VI line 6 | THE CREDIT UNION HAS 8443 MEMBERS. |
| Member election for additional members Part VI line 7a | CREDIT UNION MEMBERS ELECT ALL MEMBERS OF THE BOARD OF DIRECTORS. |
| Form 990 governing body review Part VI line 11 | FORM 990 IS REVIEWED BY THE CEO, AND THE BOARD OF DIRECTORS. THE FORM IS APPROVED BY THE CEO. |
| Conflict of interest policy compliance Part VI line 12c | DIRECTORS ARE REQUIRED TO SIGN AN OATH OF OFFICE ANNUALLY WHICH INCORPORATES A CONFLICT OF INTEREST STATEMENT. |
| CEO executive director top management comp Part VI line 15a | COMPENSATION COMMITTEE OF THE BOARD REVIEWS AND APPROVES THE CEO'S COMPENSATION. |
| Other officer or key employee compensation Part VI line 15b | CEO SETS OFFICER SALARIES BASED ON INDUSTRY SURVEY AND PEER COMPARISON; BOARD OF DIRECTORS APPROVES RANGES. |
| Governing documents etc available to public Part VI line 19 | THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC AT THEIR ANNUAL MEETING. |
| Significant program services not listed on prior year return Part III line 2 | THE CREDIT UNION ADDED A MOBILE BANKING PLATFORM TO ITS PRODUCT AND SERVICE LINE IN 2014. THE CREDIT UNION OFFERS TWO APPS, ONE THROUGH THE APPLE STORE, AND A DROID APP THROUGH THE GOOGLE STORE. THESE NEW APPS ALSO COME WITH MOBILE REMOTE DEPOSIT CAPABILITIES. |
| Explanation of other changes in net assets or fund balances Part XI line 9 | CURRENT YEAR UNREALIZED LOSS ON INVESTMENTS -$59,266PRIOR YEAR UNREALIZED LOSS ON INVESTMENTS -$970,590. |