WORTH CREDIT UNION: Form 990, tax year 2012
View the entire original 990 at ProPublica ↗
- Organization
- WORTH CREDIT UNION (EIN 75-0796472)
- Tax period
- 2012-01-01 to 2012-12-31
- Filed
- 2013-10-25
- IRS object ID
- 201332989349301023
- Schema version
- 2012v2.1
- 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) |
|---|---|---|
| Timestamp | 2013-10-25T14:56:53-05:00 | Timestamp |
| Tax Period End Date | 2012-12-31 | TaxPeriodEndDate |
Preparer Firm PreparerFirm
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 741650885 | EIN |
Preparer Firm Business Name PreparerFirmBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | PADGETT STRATEMANN & CO LLP | BusinessNameLine1 |
Preparer Firm US Address PreparerFirmUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 811 BARTON SPRINGS ROAD SUITE 550 | AddressLine1 |
| City | AUSTIN | City |
| State | TX | State |
| ZIP Code | 78704 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnType |
| Tax Period Begin Date | 2012-01-01 | TaxPeriodBeginDate |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 750796472 | EIN |
Name Name
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | FORT WORTH COMMUNITY CREDIT UNION | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Control | FORT | NameControl |
| Phone | 8178355000 | Phone |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 210848 | AddressLine1 |
| City | BEDFORD | City |
| State | TX | State |
| ZIP Code | 76095 | ZIPCode |
Officer Officer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | RICHARD HOWDESHELL | Name |
| Title | CEO | Title |
| Phone | 8178355000 | Phone |
| Date Signed | 2013-10-25 | DateSigned |
| Authorize Third Party | 1 | AuthorizeThirdParty |
Preparer Preparer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | KEVIN FINCHER CPA | Name |
| PTIN | P00291599 | PTIN |
| Phone | 5124760717 | Phone |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax Year | 2012 | TaxYear |
| Build TS | 2016-02-25 16:41:14Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Of Principal Officer Person | RICHARD HOWDESHELL | NameOfPrincipalOfficerPerson |
Address Principal Officer US AddressPrincipalOfficerUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 210848 | AddressLine1 |
| City | BEDFORD | City |
| State | TX | State |
| ZIP Code | 76095 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | 34096045 | GrossReceipts |
| Group Return For Affiliates | 0 | GroupReturnForAffiliates |
| Organization501c | X | Organization501c |
| Web Site | WWW.FTWCCU.ORG | WebSite |
| Type Of Organization Corporation | X | TypeOfOrganizationCorporation |
| Year Formation | 1940 | YearFormation |
| State Legal Domicile | TX | StateLegalDomicile |
| Activity Or Mission Description | THRIFT SAVINGS AND BORROWING FOR MEMBERS. THE CREDIT UNION IS REGULATED BY THE STATE OF TEXAS CREDIT UNION DEPARTMENT AS WELL AS THE NATIONAL CREDIT UNION ADMINISTRATION. THE CREDIT UNION OFFERS PRODUCTS AND SERVICES IN FOUR PRIMARY AREAS: SHARE ACCOUNTS, CHECKING ACCOUNTS, CONSUMER LOANS AND REAL ESTATE LOANS. | ActivityOrMissionDescription |
| Nbr Voting Members Governing Body | 9 | NbrVotingMembersGoverningBody |
| Nbr Independent Voting Members | 9 | NbrIndependentVotingMembers |
| Total Nbr Employees | 229 | TotalNbrEmployees |
| Total Nbr Volunteers | 0 | TotalNbrVolunteers |
| Total Gross UBI | 70849 | TotalGrossUBI |
| Net Unrelated Business Txbl Income | -78860 | NetUnrelatedBusinessTxblIncome |
| Contributions Grants Prior Year | 0 | ContributionsGrantsPriorYear |
| Contributions Grants Current Year | 0 | ContributionsGrantsCurrentYear |
| Program Service Revenue Prior Year | 32804970 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 33273489 | ProgramServiceRevenueCY |
| Investment Income Prior Year | 1699728 | InvestmentIncomePriorYear |
| Investment Income Current Year | 710796 | InvestmentIncomeCurrentYear |
| Other Revenue Prior Year | 68782 | OtherRevenuePriorYear |
| Other Revenue Current Year | -55530 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 34573480 | TotalRevenuePriorYear |
| Total Revenue Current Year | 33928755 | TotalRevenueCurrentYear |
| Grants And Similar Amnts Prior Year | 0 | GrantsAndSimilarAmntsPriorYear |
| Grants And Similar Amnts CY | 0 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members Prior Year | 0 | BenefitsPaidToMembersPriorYear |
| Benefits Paid To Members CY | 0 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 10545616 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 11459386 | SalariesEtcCurrentYear |
| Total Prof Fundrsng Exp Prior Year | 0 | TotalProfFundrsngExpPriorYear |
| Total Prof Fundrsng Exp CY | 0 | TotalProfFundrsngExpCY |
| Total Fundrsng Exp Current Year | 0 | TotalFundrsngExpCurrentYear |
| Other Expense Prior Year | 21080580 | OtherExpensePriorYear |
| Other Expenses Current Year | 19325493 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 31626196 | TotalExpensesPriorYear |
| Total Expenses Current Year | 30784879 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | 2947284 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 3143876 | RevenuesLessExpensesCY |
| Total Assets BOY | 757501021 | TotalAssetsBOY |
| Total Assets EOY | 789436536 | TotalAssetsEOY |
| Total Liabilities BOY | 688118765 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 716910404 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 69382256 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 72526132 | NetAssetsOrFundBalancesEOY |
| Info In Schedule O Part III | X | InfoInScheduleOPartIII |
| Mission Description | TO PROMOTE THRIFT SAVINGS AND BORROWING. | MissionDescription |
| Significant New Program Services | 0 | SignificantNewProgramServices |
| Significant Change | 0 | SignificantChange |
| Description | SHARE ACCOUNTS - OUR SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS QUARTERLY AND OFFER ACCESS THROUGH THE BRANCH NETWORK, HOME BANKING VIA THE INTERNET OR TELEPHONE AND ATM'S WORLDWIDE. SPECIAL SAVINGS ACCOUNTS DESIGNED FOR CHILDREN AND TEENAGERS ENCOURAGE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS. | Description |
Activity2 Activity2
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | CHECKING ACCOUNTS - OUR CHECKING ACCOUNTS PROVIDE VARIOUS FEATURES FOR CONSUMERS, FROM FREE ACCOUNTS TO THOSE WITH ENHANCED BENEFITS. MOST OFFER DIVIDENDS THAT ARE PAID MONTHLY. ADDITIONALLY, THE CREDIT UNION EXTENDS THE REACH OF THOSE ACCOUNTS TO ALL MEMBERS WITH FREE DEBIT CARDS, INTERNET ACCOUNT ACCESS AND FREE USE OF THE INTERNET BILL PAYER PLATFORM. | Description |
Activity3 Activity3
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | CONSUMER LOANS - OUR CONSUMER LOANS PROVIDE ALL TYPES OF LOANS. THE FOLLOWING TYPES OF LOANS ARE AVAILABLE: VEHICLE, RECREATIONAL VEHICLES, MORTGAGES, SIGNATURE, HOME EQUITY, CREDIT CARDS, SECURED LOANS, ETC. | Description |
Activity Other ActivityOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | THE CREDIT UNION PROVIDES HOME EQUITY LOANS ALONG WITH MORTGAGE LOANS. | Description |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Described In501 C3 | 0 | DescribedIn501C3 |
| Schedule B Required | 0 | ScheduleBRequired |
| Political Activities | 0 | PoliticalActivities |
| Subject To Proxy Tax | 0 | SubjectToProxyTax |
| Donor Advised Funds | 0 | DonorAdvisedFunds |
| Conservation Easements | 0 | ConservationEasements |
| Collections Of Art | 0 | CollectionsOfArt |
| Credit Counseling | 0 | CreditCounseling |
| Term Or Permanent Endowments | 0 | TermOrPermanentEndowments |
| Report Land Bldg Equip | 1 | ReportLandBldgEquip |
| Report Invest Oth Securities | 0 | ReportInvestOthSecurities |
| Report Prog Rel Invest | 0 | ReportProgRelInvest |
| Report Other Assets | 0 | ReportOtherAssets |
| Report Other Liabilities | 1 | ReportOtherLiabilities |
| Report Fin48 Footnote | 0 | ReportFin48Footnote |
| Independent Audit Financial Stmt | 0 | IndependentAuditFinancialStmt |
| Consolidated Audit Financial Stmt | 0 | ConsolidatedAuditFinancialStmt |
| School | 0 | School |
| Foreign Office | 0 | ForeignOffice |
| Foreign Activities | 0 | ForeignActivities |
| More Than5000 K To Organizations | 0 | MoreThan5000KToOrganizations |
| More Than5000 K To Individuals | 0 | MoreThan5000KToIndividuals |
| Professional Fundraising | 0 | ProfessionalFundraising |
| Fundraising Activities | 0 | FundraisingActivities |
| Gaming | 0 | Gaming |
| Hospital | 0 | Hospital |
| Grants To Organizations | 0 | GrantsToOrganizations |
| Grants To Individuals | 0 | GrantsToIndividuals |
| Schedule J Required | 1 | ScheduleJRequired |
| Tax Exempt Bonds | 0 | TaxExemptBonds |
| Loan To Officer Or DQP | 0 | LoanToOfficerOrDQP |
| Grant To Related Person | 0 | GrantToRelatedPerson |
| Bsnss Rltnshp With Organization | 0 | BsnssRltnshpWithOrganization |
| Bsnss Rltnshp Thru Family Member | 0 | BsnssRltnshpThruFamilyMember |
| Officer Entity With Bsnss Rltnshp | 0 | OfficerEntityWithBsnssRltnshp |
| Deductible Non Cash Contributions | 0 | DeductibleNonCashContributions |
| Deductible Contributions Of Art | 0 | DeductibleContributionsOfArt |
| Terminated | 0 | Terminated |
| Partial Liquidation | 0 | PartialLiquidation |
| Disregarded Entity | 0 | DisregardedEntity |
| Related Entity | 0 | RelatedEntity |
| Related Org Controlled Entity | 0 | RelatedOrgControlledEntity |
| Activities Conducted Partnership | 0 | ActivitiesConductedPartnership |
| Schedule O Required | 1 | ScheduleORequired |
| Number Forms Transmitted With1096 | 18405 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 0 | NumberW2GIncluded |
| Compliance With Backup Witholding | 1 | ComplianceWithBackupWitholding |
| Number Of Employees | 229 | NumberOfEmployees |
| Employment Tax Returns Filed | 1 | EmploymentTaxReturnsFiled |
| Unrelated Business Income | 1 | UnrelatedBusinessIncome |
| Form990-T Filed | 1 | Form990-TFiled |
| Foreign Financial Account | 0 | ForeignFinancialAccount |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTrans |
| Taxable Party Notification | 0 | TaxablePartyNotification |
| Non Deductible Contributions | 0 | NonDeductibleContributions |
| Indoor Tanning Services | 0 | IndoorTanningServices |
| Info In Schedule O Part VI | X | InfoInScheduleOPartVI |
| Nbr Voting Governing Body Members | 9 | NbrVotingGoverningBodyMembers |
| Number Independent Voting Members | 9 | NumberIndependentVotingMembers |
| Family Or Business Relationship | 0 | FamilyOrBusinessRelationship |
| Delegation Of Management Duties | 0 | DelegationOfManagementDuties |
| Changes To Organizing Docs | 0 | ChangesToOrganizingDocs |
| Material Diversion Or Misuse | 0 | MaterialDiversionOrMisuse |
| Members Or Stockholders | 1 | MembersOrStockholders |
| Election Of Board Members | 1 | ElectionOfBoardMembers |
| Decisions Subject To Approval | 0 | DecisionsSubjectToApproval |
| Minutes Of Governing Body | 1 | MinutesOfGoverningBody |
| Minutes Of Committees | 1 | MinutesOfCommittees |
| Officer Mailing Address | 0 | OfficerMailingAddress |
| Local Chapters | 1 | LocalChapters |
| Policies Reference Chapters | 1 | PoliciesReferenceChapters |
| Form990 Provided To Governing Body | 0 | Form990ProvidedToGoverningBody |
| Conflict Of Interest Policy | 0 | ConflictOfInterestPolicy |
| Whistleblower Policy | 0 | WhistleblowerPolicy |
| Document Retention Policy | 1 | DocumentRetentionPolicy |
| Compensation Process CEO | 1 | CompensationProcessCEO |
| Compensation Process Other | 0 | CompensationProcessOther |
| Investment In Joint Venture | 0 | InvestmentInJointVenture |
| Upon Request | X | UponRequest |
The Books Are In Care Of TheBooksAreInCareOf
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Person | RICHARD HOWDESHELL | NamePerson |
| Telephone Number | 8178355000 | TelephoneNumber |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1905 FOREST RIDGE DR | AddressLine1 |
| City | BEDFORD | City |
| State | TX | State |
| ZIP Code | 76021 | ZIPCode |
Form990 Part VII Section A Form990PartVIISectionA (20 entries)
| TitleTitle | Average Hours Per WeekAverageHoursPerWeek | Individual Trustee Or DirectorIndividualTrusteeOrDirector | Reportable Comp From OrganizationReportableCompFromOrganization | Reportable Comp From Related OrgsReportableCompFromRelatedOrgs | Other CompensationOtherCompensation | OfficerOfficer | Highest Compensated EmployeeHighestCompensatedEmployee |
|---|---|---|---|---|---|---|---|
| JANICE GRACZYK | |||||||
| BOARD MEMBER | 2.00 | X | 1500 | 0 | 0 | ||
| NEAL OLIVER | |||||||
| BOARD MEMBER | 2.00 | X | 281 | 0 | 0 | ||
| LEIGHTON WATERS | |||||||
| BOARD MEMBER / VICE CHAIRMAN | 2.00 | X | 1500 | 0 | 0 | X | |
| MICHAEL TALBOT | |||||||
| BOARD MEMBER | 2.00 | X | 2901 | 0 | 0 | ||
| HENRY CHRISTIANSEN | |||||||
| BOARD MEMBER / SECRETARY-TREASURER | 2.00 | X | 0 | 0 | 0 | X | |
| KENNETH DOUGLAS | |||||||
| BOARD MEMBER | 2.00 | X | 2709 | 0 | 0 | ||
| STAN SPIVEY | |||||||
| BOARD MEMBER | 2.00 | X | 1888 | 0 | 0 | ||
| HERB SIMS | |||||||
| BOARD MEMBER / CHAIRMAN | 2.00 | X | 0 | 0 | 0 | X | |
| MARCELLA BANKS | |||||||
| BOARD MEMBER | 2.00 | X | 0 | 0 | 0 | ||
| RICHARD HOWDESHELL | |||||||
| PRESIDENT/CEO | 40.00 | 349586 | 0 | 45228 | X | ||
| MICHAEL FRANKO | |||||||
| SR VP FINANCE | 40.00 | 178378 | 0 | 31292 | X | ||
| KYLE KOKE | |||||||
| SR VP LENDING | 40.00 | 163528 | 0 | 18688 | X | ||
| DIANE DORSEY | |||||||
| VP OPERATIONS | 40.00 | 152647 | 0 | 29608 | X | ||
| ROCHELLE DRAKE | |||||||
| VP MARKETING | 40.00 | 150032 | 0 | 18441 | X | ||
| TAMMY TRUDELLE | |||||||
| VP HUMAN RESOURCES | 40.00 | 154311 | 0 | 18715 | X | ||
| MARC RHODES | |||||||
| VP SUPPORT SERVICES | 40.00 | 157266 | 0 | 24099 | X | ||
| CARL AUZENNE | |||||||
| VP INFORMATION SERVICES | 40.00 | 133443 | 0 | 28169 | X | ||
| JOHN BEARRIE | |||||||
| INVESTMENT CONSULTANT | 40.00 | 187325 | 0 | 29693 | X | ||
| GINDA ABRAHAM | |||||||
| AVP ACCOUNTING | 40.00 | 114814 | 0 | 14558 | X | ||
| GRETCHEN MCGINNIS | |||||||
| DIRECTOR OF INTERNAL AUDIT | 40.00 | 108480 | 0 | 15400 | X | ||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 1860589 | TotalReportableCompFromOrg |
| Total Reportable Comp Frm Rltd Orgs | 0 | TotalReportableCompFrmRltdOrgs |
| Total Other Compensation | 273891 | TotalOtherCompensation |
| Number Individuals GT100 K | 11 | NumberIndividualsGT100K |
| Formers Listed | 0 | FormersListed |
| Total Comp GT150 K | 1 | TotalCompGT150K |
| Compensation From Other Sources | 0 | CompensationFromOtherSources |
Contractor Compensation ContractorCompensation (5 entries)
| Address Line1AddressOfContractor/AddressUS/AddressLine1 | CityAddressOfContractor/AddressUS/City | StateAddressOfContractor/AddressUS/State | ZIP CodeAddressOfContractor/AddressUS/ZIPCode | Description Of ServicesDescriptionOfServices | CompensationCompensation |
|---|---|---|---|---|---|
| INTUIT FINANCIAL SERVICES | |||||
| PO BOX 515306 | LOS ANGELES | CA | 900616606 | WEBSITE | 1013429 |
| VANTIV | |||||
| 8500 GOVERNORS HILL DR | SYMNES TOWNSHIP | OH | 45249 | DEBIT/CREDIT CARD PROCESS | 547716 |
| XP SYSTEMS | |||||
| 75 REMITTANCE DR STE 6963 | CHICAGO | IL | 606756963 | SOFTWARE SERVICES | 393346 |
| LANVERA | |||||
| 13755 HUTTON DR STE 100 | DALLAS | TX | 75234 | MAIL PROCESSOR | 347419 |
| DIEBOLD INC | |||||
| PO BOX 643543 | PITTSBURGH | PA | 152643543 | BANKING EQUIPMENT | 279153 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Number Of Contractors GT100 K | 9 | NumberOfContractorsGT100K |
Program Service Revenue ProgramServiceRevenue (3 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome | Unrelated Business RevenueUnrelatedBusinessRevenue |
|---|---|---|---|---|
| INTEREST ON LOANS | 522100 | 26273707 | 26273707 | |
| LOAN FEE INCOME | 522100 | 4651948 | 4651948 | |
| MEMBER FEES & CHARGES | 522100 | 2347834 | 2276985 | 70849 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | 33273489 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 712935 | TotalRevenueColumn |
| Related Or Exempt Function Income | 712935 | RelatedOrExemptFunctionIncome |
Royalties Revenue RoyaltiesRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 1651 | TotalRevenueColumn |
| Related Or Exempt Function Income | 1651 | RelatedOrExemptFunctionIncome |
Gross Amount Sales Assets GrossAmountSalesAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 165151 | Other |
Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 167290 | Other |
Gain Or Loss GainOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | -2139 | Other |
Net Gain Or Loss Investments NetGainOrLossInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | -2139 | TotalRevenueColumn |
| Related Or Exempt Function Income | -2139 | RelatedOrExemptFunctionIncome |
Other Revenue Misc OtherRevenueMisc
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | LOSS ON INVESTMENTS | Description |
| Business Code | 522100 | BusinessCode |
| Total Revenue Column | -57181 | TotalRevenueColumn |
| Related Or Exempt Function Income | -57181 | RelatedOrExemptFunctionIncome |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Other Revenue | -57181 | TotalOtherRevenue |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 33928755 | TotalRevenueColumn |
| Related Or Exempt Function Income | 33857906 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 70849 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
Comp Current Officers Directors CompCurrentOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1679460 | Total |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 7386337 | Total |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 432394 | Total |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1344225 | Total |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 616970 | Total |
Fees For Services Management FeesForServicesManagement
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2963295 | Total |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 19139 | Total |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 343520 | Total |
Advertising Advertising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1166836 | Total |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1790689 | Total |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1229910 | Total |
Conferences Meetings ConferencesMeetings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 174097 | Total |
Interest Interest
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 4651145 | Total |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 933519 | Total |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 260492 | Total |
Other Expenses OtherExpenses (4 entries)
| DescriptionDescription | TotalTotal |
|---|---|
| PROVISION FOR LOAN ASSE | 2800000 |
| LOAN SERVICING | 1737518 |
| NCUA INSURANCE/MEMBER I | 647192 |
| OPERATING FEE | 529049 |
All Other Expenses AllOtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 79092 | Total |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 30784879 | Total |
Cash Non Interest Bearing CashNonInterestBearing
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 2968303 | BOY |
| EOY | 3076244 | EOY |
Savings And Temp Cash Investments SavingsAndTempCashInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 140789724 | BOY |
| EOY | 111610263 | EOY |
Accounts Receivable AccountsReceivable
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 936062 | BOY |
| EOY | 602453 | EOY |
Other Notes Loans Receivable Net OtherNotesLoansReceivableNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 507592500 | BOY |
| EOY | 576778602 | EOY |
Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1855978 | BOY |
| EOY | 1914687 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 30378819 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 9887398 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 20707351 | BOY |
| EOY | 20491421 | EOY |
Investments Pub Traded Securities InvestmentsPubTradedSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 76175139 | BOY |
| EOY | 68063612 | EOY |
Investments Program Related InvestmentsProgramRelated
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 48162 | BOY |
| EOY | 0 | EOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 6427802 | BOY |
| EOY | 6899254 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 757501021 | BOY |
| EOY | 789436536 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 7546621 | BOY |
| EOY | 7896733 | EOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 680572144 | BOY |
| EOY | 709013671 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 688118765 | BOY |
| EOY | 716910404 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Do Not Follow SFAS117 | X | DoNotFollowSFAS117 |
Cap Stck Trst Prin Current Funds CapStckTrstPrinCurrentFunds
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 69382256 | BOY |
| EOY | 72526132 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 69382256 | BOY |
| EOY | 72526132 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 757501021 | BOY |
| EOY | 789436536 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expenses | 3143876 | ReconcilationRevenueExpenses |
| Reconcilation Other Changes | 0 | ReconcilationOtherChanges |
| Info In Schedule O Part XII | X | InfoInScheduleOPartXII |
| Method Of Accounting Accrual | X | MethodOfAccountingAccrual |
| Accountant Compile Or Review | 0 | AccountantCompileOrReview |
| FS Audited | 1 | FSAudited |
FS Audited Basis FSAuditedBasis
| Field | Value | IRS element (for citing) |
|---|---|---|
| Financial Statement Separate | X | FinancialStatementSeparate |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | 1 | AuditCommittee |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequired |
Schedule D IRS990ScheduleD
Land Land
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 5464584 | OtherCostOrOtherBasis |
| Book Value | 5464584 | BookValue |
Buildings Buildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 16752907 | OtherCostOrOtherBasis |
| Depreciation | 3710968 | Depreciation |
| Book Value | 13041939 | BookValue |
Leasehold Improvements LeaseholdImprovements
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 427174 | OtherCostOrOtherBasis |
| Depreciation | 368233 | Depreciation |
| Book Value | 58941 | BookValue |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 7689087 | OtherCostOrOtherBasis |
| Depreciation | 5770753 | Depreciation |
| Book Value | 1918334 | BookValue |
Other Land Buildings OtherLandBuildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 45067 | OtherCostOrOtherBasis |
| Depreciation | 37444 | Depreciation |
| Book Value | 7623 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 20491421 | TotalOfBookValueLandBuildings |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | MEMBER SHARES | Description |
| Amount | $709,013,671 | Amount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 709013671 | TotalOfAmounts |
Form990 Schedule D Part XIII Form990ScheduleDPartXIII
| Field | Value | IRS element (for citing) |
|---|---|---|
| Explanation | PARTS XI AND XII: FINANCIAL STATEMENTS ARE CURRENTLY AUDITED THROUGH JUNE 30. | Explanation |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | X | TravelForCompanions |
| Club Dues Or Fees | X | ClubDuesOrFees |
| Written Policy Re T And E Expenses | 1 | WrittenPolicyReTAndEExpenses |
| Substantiation Required | 1 | SubstantiationRequired |
| Compensation Committee | X | CompensationCommittee |
| Written Employment Contract | X | WrittenEmploymentContract |
| Compensation Survey | X | CompensationSurvey |
| Board Or Committee Approval | X | BoardOrCommitteeApproval |
| Severance Payment | 0 | SeverancePayment |
| Supplemental Nonqual Retire Plan | 0 | SupplementalNonqualRetirePlan |
| Equity Based Comp Arrangement | 0 | EquityBasedCompArrangement |
Form990 Schedule J Part II Form990ScheduleJPartII (8 entries)
| TitleTitle | Base Compensation Filing OrgBaseCompensationFilingOrg | Comp Based On Related OrgsCompBasedOnRelatedOrgs | Bonus Filing OrgBonusFilingOrg | Bonus Related OrgsBonusRelatedOrgs | Other Compensation Filing OrgOtherCompensationFilingOrg | Other Compensation Related OrgsOtherCompensationRelatedOrgs | Deferred Comp Filing OrgDeferredCompFilingOrg | Deferred Comp Related OrgsDeferredCompRelatedOrgs | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg | Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs | Total Compensation Filing OrgTotalCompensationFilingOrg | Total Compensation Related OrgsTotalCompensationRelatedOrgs | Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg | Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RICHARD HOWDESHELL | ||||||||||||||
| PRESIDENT/CEO | 309030 | 0 | 25256 | 0 | 15300 | 0 | 17500 | 0 | 27728 | 0 | 394814 | 0 | 0 | 0 |
| MICHAEL FRANKO | ||||||||||||||
| SR VP FINANCE | 160678 | 0 | 12784 | 0 | 4916 | 0 | 12110 | 0 | 19182 | 0 | 209670 | 0 | 0 | 0 |
| KYLE KOKE | ||||||||||||||
| SR VP LENDING | 146896 | 0 | 14501 | 0 | 2131 | 0 | 11013 | 0 | 7675 | 0 | 182216 | 0 | 0 | 0 |
| DIANE DORSEY | ||||||||||||||
| VP OPERATIONS | 134715 | 0 | 11733 | 0 | 6199 | 0 | 10597 | 0 | 19011 | 0 | 182255 | 0 | 0 | 0 |
| ROCHELLE DRAKE | ||||||||||||||
| VP MARKETING | 136467 | 0 | 12814 | 0 | 751 | 0 | 10378 | 0 | 8063 | 0 | 168473 | 0 | 0 | 0 |
| TAMMY TRUDELLE | ||||||||||||||
| VP HUMAN RESOURCES | 136545 | 0 | 11890 | 0 | 5876 | 0 | 10430 | 0 | 8285 | 0 | 173026 | 0 | 0 | 0 |
| MARC RHODES | ||||||||||||||
| VP SUPPORT SERVICES | 135742 | 0 | 11869 | 0 | 9655 | 0 | 10693 | 0 | 13406 | 0 | 181365 | 0 | 0 | 0 |
| JOHN BEARRIE | ||||||||||||||
| INVESTMENT CONSULTANT | 177010 | 0 | 9989 | 0 | 326 | 0 | 10520 | 0 | 19173 | 0 | 217018 | 0 | 0 | 0 |
Schedule O IRS990ScheduleO
General Explanation GeneralExplanation (6 entries)
| Return ReferenceReturnReference | ExplanationExplanation |
|---|---|
| FORM 990, PART VI, SECTION A, LINE 6 | THE CREDIT UNION HAS MEMBERS. |
| FORM 990, PART VI, SECTION A, LINE 7A | THE MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS. |
| FORM 990, PART VI, SECTION B, LINE 11 | RETURN IS REVIEWED BY THE AVP OF ACCOUNTING AND THE CEO OF THE CREDIT UNION. |
| FORM 990, PART VI, SECTION B, LINE 15A | THE COMPENSATION FOR THE CEO IS APPROVED BY THE BOARD AND A COMPENSATION COMMITTEE AND COMPENSATION SURVEY IS USED ALONG WITH A WRITTEN EMPLOYMENT CONTRACT. |
| FORM 990, PART VI, SECTION C, LINE 19 | THE CREDIT UNION DISPLAYS CURRENT FINANCIALS STATEMENTS AT EACH BRANCH. GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON WRITTEN REQUEST. |
| FORM 990, PART XII, LINE 2C | THE CREDIT UNION HAS NOT CHANGED ITS OVERSIGHT OR SELECTION PROCESS. |