CREDIT UNIONS IN THE STATE OF CALIFORNIA: Form 990, tax year 2010
View the entire original 990 at ProPublica ↗
- Organization
- CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 95-1981100)
- Tax period
- 2010-01-01 to 2010-12-31
- Filed
- 2011-11-15
- IRS object ID
- 201123199349302057
- Schema version
- 2010v3.4
- 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 | 2011-11-15T08:12:11-06:00 | Timestamp |
| Tax Period End Date | 2010-12-31 | TaxPeriodEndDate |
Preparer Firm PreparerFirm
Preparer Firm Business Name PreparerFirmBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | RSM MCGLADREY INC | BusinessNameLine1 |
Preparer Firm US Address PreparerFirmUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 801 NICOLLET MALL SUITE 1100 | AddressLine1 |
| City | MINNEAPOLIS | City |
| State | MN | State |
| ZIP Code | 55402 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnType |
| Tax Period Begin Date | 2010-01-01 | TaxPeriodBeginDate |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 951981100 | EIN |
Name Name
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CHRISTIAN COMMUNITY CREDIT UNION | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Control | CHRI | NameControl |
| Phone | 8003472228 | Phone |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 255 N LONE HILL AVENUE | AddressLine1 |
| City | SAN DIMAS | City |
| State | CA | State |
| ZIP Code | 91773 | ZIPCode |
Officer Officer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | JOHN T WALLING | Name |
| Title | PRESIDENT/CEO | Title |
| Phone | 8003472228 | Phone |
| Date Signed | 2011-11-14 | DateSigned |
| Authorize Third Party | 1 | AuthorizeThirdParty |
Preparer Preparer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | COLLIN F BUZZELL | Name |
| Phone | 6125738750 | Phone |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax Year | 2010 | TaxYear |
| Build TS | 2016-02-24 21:20:13Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Of Principal Officer Person | JOHN T WALLING | NameOfPrincipalOfficerPerson |
Address Principal Officer US AddressPrincipalOfficerUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 255 N LONE HILL AVENUE | AddressLine1 |
| City | SAN DIMAS | City |
| State | CA | State |
| ZIP Code | 91773 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | 33942513 | GrossReceipts |
| Group Return For Affiliates | 0 | GroupReturnForAffiliates |
| Group Exemption Number | 1526 | GroupExemptionNumber |
| Organization501c | X | Organization501c |
| Web Site | WWW.MYCCCU.COM | WebSite |
| Type Of Organization Corporation | X | TypeOfOrganizationCorporation |
| Year Formation | 1957 | YearFormation |
| State Legal Domicile | CA | StateLegalDomicile |
| Activity Or Mission Description | THE CREDIT UNION IS OPERATED FOR THE PURPOSE OF PROMOTING THRIFT, PROVIDING CREDIT AT REASONABLE RATES, AND PROVIDING OTHER FINANCIAL SERVICES TO ITS MEMBERS. | ActivityOrMissionDescription |
| Nbr Voting Members Governing Body | 7 | NbrVotingMembersGoverningBody |
| Nbr Independent Voting Members | 3 | NbrIndependentVotingMembers |
| Total Nbr Employees | 143 | TotalNbrEmployees |
| Total Nbr Volunteers | 11 | TotalNbrVolunteers |
| Total Gross UBI | 1295 | TotalGrossUBI |
| Net Unrelated Business Txbl Income | -389 | NetUnrelatedBusinessTxblIncome |
| Contributions Grants Prior Year | 0 | ContributionsGrantsPriorYear |
| Contributions Grants Current Year | 0 | ContributionsGrantsCurrentYear |
| Program Service Revenue Prior Year | 32523217 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 33627684 | ProgramServiceRevenueCY |
| Investment Income Prior Year | -626607 | InvestmentIncomePriorYear |
| Investment Income Current Year | -421498 | InvestmentIncomeCurrentYear |
| Other Revenue Prior Year | 0 | OtherRevenuePriorYear |
| Other Revenue Current Year | 0 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 31896610 | TotalRevenuePriorYear |
| Total Revenue Current Year | 33206186 | TotalRevenueCurrentYear |
| Grants And Similar Amnts Prior Year | 45500 | GrantsAndSimilarAmntsPriorYear |
| Grants And Similar Amnts CY | 36500 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members Prior Year | 9822628 | BenefitsPaidToMembersPriorYear |
| Benefits Paid To Members CY | 6707095 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 0 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 9652431 | SalariesEtcCurrentYear |
| Total Prof Fundrsng Exp Prior Year | 23567283 | TotalProfFundrsngExpPriorYear |
| Total Prof Fundrsng Exp CY | 0 | TotalProfFundrsngExpCY |
| Total Fundrsng Exp Current Year | 0 | TotalFundrsngExpCurrentYear |
| Other Expense Prior Year | 0 | OtherExpensePriorYear |
| Other Expenses Current Year | 14058155 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 33435411 | TotalExpensesPriorYear |
| Total Expenses Current Year | 30454181 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | -1538801 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 2752005 | RevenuesLessExpensesCY |
| Total Assets BOY | 520442456 | TotalAssetsBOY |
| Total Assets EOY | 519268246 | TotalAssetsEOY |
| Total Liabilities BOY | 473996791 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 470070576 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 46445665 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 49197670 | NetAssetsOrFundBalancesEOY |
| Info In Schedule O Part III | X | InfoInScheduleOPartIII |
| Mission Description | THE MISSION OF CHRISTIAN COMMUNITY CREDIT UNION IS TO PARTNER WITH MEMBERS AND MINISTRIES TO HELP THEM BECOME BETTER STEWARDS AND ACHIEVE THEIR FINANCIAL GOALS. | MissionDescription |
| Significant New Program Services | 0 | SignificantNewProgramServices |
| Significant Change | 0 | SignificantChange |
| Description | CREDIT UNION BANKING SERVICE PROGRAMS:THE CREDIT UNION OFFERS A FULL RANGE OF BANKING SERVICES TO THE MEMBERS, BOTH RETAIL AND MINISTRY. AS OF 12/31/10 OUR MEMBERS HAD $441,315,683, ON DEPOSIT IN INSURED ACCOUNTS IN THE CREDIT UNION. THE CREDIT UNION HAS $45,209,352, IN SAVINGS ACCOUNTS, $96,885,534, IN CHECKING ACCOUNTS, $104,018,458, IN MONEY MARKET, AND $184,241,345, IN CERTIFICATES OF DEPOSIT. THE AVERAGE RATE OF RETURN ON THESE ACCOUNTS AT YEAR END WAS 1.29%. IRA CERTIFICATE ACCOUNTS EARNED 2.97%. CERTIFICATES EARNED 2.39% AT YEAR END. DEPOSITS IN THE CREDIT UNION DECREASED $1,775,296 OR .38% IN 2010. THE CREDIT UNION BEGAN THE YEAR WITH 26,672 INDIVIDUAL MEMBERS AND ENDED THE YEAR WITH 26,850 FOR AN INCREASE OF 187 INDIVIDUAL MEMBERS OR .7%. THE CREDIT UNION HAS 2,565 MINISTRY ACCOUNTS. | Description |
Activity2 Activity2
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | CREDIT UNION RETAIL REAL ESTATE LENDING:THE CREDIT UNION EXISTS TO PROVIDE LOANS TO ITS MEMBERS AT RATES AND TERMS NOT AVAILABLE TO OUR FIELD OF MEMBERSHIP THROUGH BANKS OR OTHER FINANCIAL INSTITUTIONS. THE LARGEST PORTION OF OUR RETAIL LENDING IS MADE UP OF FIRST TRUST DEED, LOANS. THE CREDIT UNION HAD $102,866,831 IN OUTSTANDING RETAIL FIRST TRUST DEED LOANS AS OF 12/31/10. THEY REPRESENT 23% OF OUR LOAN PORTFOLIO AND 20% OF OUR TOTAL ASSETS. THE AVERAGE RATE ON THESE LOANS WAS 4.27%. THE PORTFOLIO INCREASED $3,160,151 OR 31.7% DURING 2010. THE CREDIT UNION EARNED A NET INTEREST MARGIN OF 2.96% ON THE RETAIL FIRST TRUST DEED PORTFOLIO IN 2010. THE DELINQUENCY RATIO FOR THE PORTFOLIO AT YEAR END WAS 2.0%. | Description |
Activity3 Activity3
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | CREDIT UNION MINISTRY REAL ESTATE LENDING:THE CREDIT UNION'S FIELD OF MEMBERSHIP INCLUDES MANY CHURCHES AND MINISTRIES. THE CREDIT UNION PROVIDES LOANS TO THESE MEMBERS TO BUY, BUILD OR RENOVATE REAL PROPERTY AT RATES AND TERMS NOT AVAILABLE TO THEM THROUGH BANKS OR OTHER FINANCIAL INSTITUTIONS. THE LARGEST PORTION OF OUR MINISTRY LOAN PORTFOLIO IS MADE UP OF FIRST TRUST DEED LOANS. THE CREDIT UNION HAD $331,913,258 IN OUTSTANDING FIRST TRUST DEED LOANS TO CHURCHES AND MINISTRIES AS OF 12/31/10. THEY REPRESENT 76% OF OUR LOAN PORTFOLIO AND 64% OF OUR TOTAL ASSETS. THE AVERAGE RATE ON THESE LOANS WAS 6.71%. THE PORTFOLIO INCREASED $16,004,140 DURING 2010 OR 5.06%. THE NET INTEREST MARGIN ON THE PORTFOLIO WAS 5.42%. THE DELINQUENT LOAN RATIO FOR THE PORTFOLIO AT YEAR END WAS .74%. | Description |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Described In501 C3 | 0 | DescribedIn501C3 |
| Schedule B Required | 0 | ScheduleBRequired |
| Political Activities | 0 | PoliticalActivities |
| 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 | 1 | 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 | 1 | 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 |
| Transaction Related Entity | 0 | TransactionRelatedEntity |
| Activities Conducted Partnership | 0 | ActivitiesConductedPartnership |
| Schedule O Required | 1 | ScheduleORequired |
| Number Forms Transmitted With1096 | 12863 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 0 | NumberW2GIncluded |
| Compliance With Backup Witholding | 1 | ComplianceWithBackupWitholding |
| Number Of Employees | 143 | 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 | 7 | NbrVotingGoverningBodyMembers |
| Number Independent Voting Members | 3 | 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 | 1 | 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 | 1 | Form990ProvidedToGoverningBody |
| Conflict Of Interest Policy | 1 | ConflictOfInterestPolicy |
| Annual Disclosure Covered Persons | 1 | AnnualDisclosureCoveredPersons |
| Regular Monitoring Enforcement | 1 | RegularMonitoringEnforcement |
| Whistleblower Policy | 1 | WhistleblowerPolicy |
| Document Retention Policy | 1 | DocumentRetentionPolicy |
| Compensation Process CEO | 1 | CompensationProcessCEO |
| Compensation Process Other | 1 | CompensationProcessOther |
| Investment In Joint Venture | 0 | InvestmentInJointVenture |
| States Where Copy Of Return Is Filed | CA | StatesWhereCopyOfReturnIsFiled |
| Own Website | X | OwnWebsite |
| Upon Request | X | UponRequest |
The Books Are In Care Of TheBooksAreInCareOf
Name Business NameBusiness
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | STAN WAHL | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Telephone Number | 8003472228 | TelephoneNumber |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 255 N LONE HILL AVENUE | AddressLine1 |
| City | SAN DIMAS | City |
| State | CA | State |
| ZIP Code | 91773 | ZIPCode |
Form990 Part VII Section A Form990PartVIISectionA (18 entries)
| TitleTitle | Average Hours Per WeekAverageHoursPerWeek | Individual Trustee Or DirectorIndividualTrusteeOrDirector | OfficerOfficer | Reportable Comp From OrganizationReportableCompFromOrganization | Reportable Comp From Related OrgsReportableCompFromRelatedOrgs | Other CompensationOtherCompensation | Key EmployeeKeyEmployee | Highest Compensated EmployeeHighestCompensatedEmployee |
|---|---|---|---|---|---|---|---|---|
| JOHN T WALLING | ||||||||
| PRESIDENT/CEO | 40.00 | X | X | 1839565 | 0 | 78128 | ||
| ROBERT NEILL | ||||||||
| CHAIRMAN | 1.00 | X | X | 2256 | 0 | 0 | ||
| DENNIS ENDERT | ||||||||
| VICE CHAIRMAN | 1.00 | X | X | 2757 | 0 | 0 | ||
| CHARLES HUGHES | ||||||||
| SECRETARY | 1.00 | X | X | 2256 | 0 | 0 | ||
| EDUARDO FONT | ||||||||
| DIRECTOR | 1.00 | X | 2154 | 0 | 0 | |||
| MICHAEL PATE | ||||||||
| DIRECTOR | 1.00 | X | 2154 | 0 | 0 | |||
| CATHY BARRETT | ||||||||
| DIRECTOR | 1.00 | X | 2154 | 0 | 0 | |||
| GARY BISHOP | ||||||||
| DIRECTOR | 1.00 | X | 2079 | 0 | 0 | |||
| JOHN PEARSON | ||||||||
| DIRECTOR | 1.00 | X | 2265 | 0 | 0 | |||
| MARK BARGAEHER | ||||||||
| DIRECTOR | 1.00 | X | 2187 | 0 | 0 | |||
| JAMES CARRINGTON | ||||||||
| DIRECTOR | 1.00 | X | 2154 | 0 | 0 | |||
| STANLEY WAHL | ||||||||
| SR. VP/CFO | 40.00 | X | 204009 | 0 | 23933 | |||
| DAVID ESTRIDGE | ||||||||
| EXECUTIVE VICE PRESIDENT | 40.00 | 309614 | 0 | 51733 | X | |||
| MARJORIE PETSCH | ||||||||
| SR. VP/COO | 40.00 | 244894 | 0 | 38582 | X | |||
| JAMES SCOTT REITSMA | ||||||||
| SR. VP OF MINISTRY DEVELOPMENT GROUP | 40.00 | 223159 | 0 | 51699 | X | |||
| DAVID SOUTH | ||||||||
| SR. VICE PRESIDENT HUMAN RESOURCES | 40.00 | 199531 | 0 | 27158 | X | |||
| SUSAN GONCHARENKO | ||||||||
| VP- MINISTRY LENDING DEVELOPMENT | 40.00 | 118866 | 0 | 16534 | X | |||
| JOHN SILVIS | ||||||||
| VP-INFORMATION TECHNOLOGY | 40.00 | 107440 | 0 | 15750 | X | |||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 3269494 | TotalReportableCompFromOrg |
| Total Reportable Comp Frm Rltd Orgs | 0 | TotalReportableCompFrmRltdOrgs |
| Total Other Compensation | 303517 | TotalOtherCompensation |
| Number Individuals GT100 K | 8 | NumberIndividualsGT100K |
| Formers Listed | 0 | FormersListed |
| Total Comp GT150 K | 1 | TotalCompGT150K |
| Compensation From Other Sources | 0 | CompensationFromOtherSources |
Contractor Compensation ContractorCompensation (3 entries)
| Address Line1AddressOfContractor/AddressUS/AddressLine1 | CityAddressOfContractor/AddressUS/City | StateAddressOfContractor/AddressUS/State | ZIP CodeAddressOfContractor/AddressUS/ZIPCode | Description Of ServicesDescriptionOfServices | CompensationCompensation |
|---|---|---|---|---|---|
| FISERV | |||||
| 75 REMITTANCE DRIVE 6944 | CHICAGO | IL | 60675 | DATA PROCESSING | 345279 |
| DIGITAL INSIGHT (INTUIT FINANCIAL SERVIC | |||||
| PO BOX 515306 | LOS ANGELES | CA | 90051 | PC BANKING FEES | 291962 |
| BUTTERFLY INFORMATION TECHNOLOGY INC | |||||
| 710 SE 34TH STREET | RENTON | WA | 98055 | MEMBER STATEMENTS | 149866 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Number Of Contractors GT100 K | 3 | NumberOfContractorsGT100K |
Program Service Revenue ProgramServiceRevenue (4 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome | Unrelated Business RevenueUnrelatedBusinessRevenue |
|---|---|---|---|---|
| INTEREST ON LOANS TO M | 522100 | 28157125 | 28157125 | |
| FEE INCOME | 522100 | 2647496 | 2646201 | 1295 |
| INTERCHANGE INCOME | 522100 | 2167008 | 2167008 | |
| OTHER OPERATING INCOME | 522100 | 656055 | 656055 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | 33627684 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 160433 | TotalRevenueColumn |
| Exclusion | $160,433 | ExclusionAmount |
Gross Amount Sales Assets GrossAmountSalesAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 154396 | Other |
Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 736327 | Securities |
Gain Or Loss GainOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | -736327 | Securities |
| Other | 154396 | Other |
Net Gain Or Loss Investments NetGainOrLossInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | -581931 | TotalRevenueColumn |
| Exclusion | -$581,931 | ExclusionAmount |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 33206186 | TotalRevenueColumn |
| Related Or Exempt Function Income | 33626389 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 1295 | UnrelatedBusinessRevenue |
| Exclusion | -$421,498 | ExclusionAmount |
Grants To Domestic Individuals GrantsToDomesticIndividuals
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 36500 | Total |
Benefits To Members BenefitsToMembers
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 6707095 | Total |
Comp Current Officers Directors CompCurrentOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 3314421 | Total |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 4512212 | Total |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 690252 | Total |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 563713 | Total |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 571833 | Total |
Fees For Services Management FeesForServicesManagement
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 34577 | Total |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 45543 | Total |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 119473 | Total |
Fees For Services Other FeesForServicesOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 196929 | Total |
Advertising Advertising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1458272 | Total |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1530185 | Total |
Information Technology InformationTechnology
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 762764 | Total |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 663728 | Total |
Travel Travel
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 163153 | Total |
Conferences Meetings ConferencesMeetings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 38836 | Total |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 203018 | Total |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 87122 | Total |
Other Expenses OtherExpenses (3 entries)
| DescriptionDescription | TotalTotal |
|---|---|
| PROVISION FOR LOAN LOSS | 6400000 |
| LOAN SERVICING | 1386092 |
| SHARE DRAFT EXPENSE | 649976 |
All Other Expenses AllOtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 318487 | Total |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 30454181 | Total |
Cash Non Interest Bearing CashNonInterestBearing
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 4210700 | BOY |
| EOY | 2932715 | EOY |
Accounts Receivable AccountsReceivable
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 32271 | BOY |
| EOY | 420164 | EOY |
Other Notes Loans Receivable Net OtherNotesLoansReceivableNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 442069246 | BOY |
| EOY | 458422629 | EOY |
Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 350143 | BOY |
| EOY | 320436 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 15741878 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 6965753 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 8981659 | BOY |
| EOY | 8776125 | EOY |
Investments Pub Traded Securities InvestmentsPubTradedSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 43553984 | BOY |
| EOY | 34304149 | EOY |
Investments Other Securities InvestmentsOtherSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 8010469 | BOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 13233984 | BOY |
| EOY | 14092028 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 520442456 | BOY |
| EOY | 519268246 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 6761788 | BOY |
| EOY | 4606350 | EOY |
Deferred Revenue DeferredRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | 4519 | EOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 467235003 | BOY |
| EOY | 465459707 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 473996791 | BOY |
| EOY | 470070576 | 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 | 46445665 | BOY |
| EOY | 49197670 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 46445665 | BOY |
| EOY | 49197670 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 520442456 | BOY |
| EOY | 519268246 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expenses | 2752005 | ReconcilationRevenueExpenses |
| Reconcilation Other Changes | 0 | ReconcilationOtherChanges |
| Method Of Accounting Accrual | X | MethodOfAccountingAccrual |
| Accountant Compile Or Review | 0 | AccountantCompileOrReview |
| FS Audited | 1 | FSAudited |
| Audit Committee | 1 | AuditCommittee |
| Financial Statement Separate | X | FinancialStatementSeparate |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequired |
Schedule D IRS990ScheduleD
Land Land
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 1756908 | OtherCostOrOtherBasis |
| Book Value | 1756908 | BookValue |
Buildings Buildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 8892321 | OtherCostOrOtherBasis |
| Depreciation | 3220282 | Depreciation |
| Book Value | 5672039 | BookValue |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 3685032 | OtherCostOrOtherBasis |
| Depreciation | 2543539 | Depreciation |
| Book Value | 1141493 | BookValue |
Other Land Buildings OtherLandBuildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 1407617 | OtherCostOrOtherBasis |
| Depreciation | 1201932 | Depreciation |
| Book Value | 205685 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 8776125 | TotalOfBookValueLandBuildings |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | MEMBER SHARE DEPOSITS | Description |
| Amount | $465,459,707 | Amount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 465459707 | TotalOfAmounts |
Form990 Schedule D Part XIV Form990ScheduleDPartXIV
| Field | Value | IRS element (for citing) |
|---|---|---|
| Identifier | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: | Identifier |
| Return Reference | PART X: | ReturnReference |
| Explanation | FOR THE AUDIT YEARS ENDED MARCH 31, 2010 AND 2009, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. | Explanation |
Schedule I IRS990ScheduleI
| Field | Value | IRS element (for citing) |
|---|---|---|
| Records Maintained | 1 | RecordsMaintained |
Form990 Schedule I Part III Form990ScheduleIPartIII
| Field | Value | IRS element (for citing) |
|---|---|---|
| Type Of Grant | SCHOLARSHIPS | TypeOfGrant |
| Number Of Recipients | 36 | NumberOfRecipients |
| Amount Of Cash Grant | 36500 | AmountOfCashGrant |
Form990 Schedule I Part IV Form990ScheduleIPartIV
| Field | Value | IRS element (for citing) |
|---|---|---|
| Identifier | PROCEDURE FOR MONITORING GRANTS IN THE U.S.: | Identifier |
| Return Reference | PART I, LINE 2: | ReturnReference |
| Explanation | SCHEDULE I, PART I, LINE 2: THE CREDIT UNION INFORMS MEMBERS EACH YEAR OF THE AVAILABILITY OF SCHOLARSHIPS. AS MANY AS 100 APPLICATIONS ARE RECEIVED. A SCHOLARSHIP COMMITTEE REVIEWS, DEBATES AND RATES THE WORTHINESS OF EACH REQUEST. DEPENDING ON HOW WELL THE CREDIT UNION DID THE PREVIOUS YEAR SCHOLARHSIP ARE ISSUED. | Explanation |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Compensation Committee | X | CompensationCommittee |
| Independent Consultant | X | IndependentConsultant |
| 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 (6 entries)
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JOHN T WALLING | |||||||||||||
| 423717 | 0 | 37500 | 0 | 1378348 | 0 | 49330 | 0 | 28798 | 0 | 1917693 | 0 | 0 | 0 |
| STANLEY WAHL | |||||||||||||
| 177125 | 0 | 12500 | 0 | 14384 | 0 | 23144 | 0 | 789 | 0 | 227942 | 0 | 0 | 0 |
| DAVID ESTRIDGE | |||||||||||||
| 289614 | 0 | 20000 | 0 | 0 | 0 | 42635 | 0 | 9098 | 0 | 361347 | 0 | 0 | 0 |
| MARJORIE PETSCH | |||||||||||||
| 206125 | 0 | 25300 | 0 | 13469 | 0 | 28163 | 0 | 10419 | 0 | 283476 | 0 | 0 | 0 |
| JAMES SCOTT REITSMA | |||||||||||||
| 196897 | 0 | 15000 | 0 | 11262 | 0 | 25535 | 0 | 26164 | 0 | 274858 | 0 | 0 | 0 |
| DAVID SOUTH | |||||||||||||
| 171124 | 0 | 21255 | 0 | 7152 | 0 | 22839 | 0 | 4319 | 0 | 226689 | 0 | 0 | 0 |
Schedule O IRS990ScheduleO
General Explanation GeneralExplanation (7 entries)
| IdentifierIdentifier | ExplanationExplanation | Return ReferenceReturnReference |
|---|---|---|
| FORM 990, PART VI, SECTION A, LINE 6 | THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS. | |
| FORM 990, PART VI, SECTION A, LINE 7A | MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE. | |
| FORM 990, PART VI, SECTION A, LINE 7B | MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. | |
| FORM 990, PART VI, SECTION B, LINE 11 | FORM 990 IS REVIEWED BY THE CHIEF EXECUTIVE OFFICER,CHIEF FINANCIAL OFFICER, AND THE AVP OF PAYROLL. A COPY OF FORM 990 IS ALSO PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING WITH THE IRS. | |
| THE CREDIT UNION OFFICIALLY INFORMS THE EMPLOYEES OF CHANGES TO THE CONFLICT OF INTEREST POLICY AND PROVIDES THEM AN UPDATED COPY. THE STAFF ARE REQUIRED TO READ THE POLICY, ANSWER A SERIES OF QUESTIONS RELATED TO THE TOPIC AND SIGN A COPY OF THE POLICY AND QUESTIONS. | FORM 990, PART VI, SECTION B, LINE 12C | |
| THE CREDIT UNION BOARD OF DIRECTORS HAS AN EXECUTIVE COMMITTEE THAT SERVES AS ITS COMPENSATION SUB COMMITTEE. THEY ARE PROVIDED THE LATEST INDURSTRY SALARY SURVEY INFORMATION. THEY ANNUALLY REVIEW THE COMPENSATION PACKAGES FOR THE SENIOR MANAGERS (KEY EMPLOYEES). | FORM 990, PART VI, SECTION B, LINE 15 | |
| A MONTHLY FINANCIAL STATEMENT IS PUBLISHED ON THE CREDIT UNION'S WEBSITE AND PROVIDED IN PRINT IN THE LOBBY OF EACH BRANCH. IT IS ALSO PROVIDED UPON REQUEST IN ANY FORMAT. THE GOVERNING DOCUMENTS ARE PUBLIC RECORD AND AVAILABLE FOR REVIEW OF THE MEMBERS. THE CONFLICT OF INTEREST POLICY IS NOT PUBLISHED. | FORM 990, PART VI, SECTION C, LINE 19 |