UNITED CREDIT UNION: Form 990, tax year 2022
View the entire original 990 at ProPublica ↗
- Organization
- UNITED CREDIT UNION (EIN 75-0751106)
- Tax period
- 2022-01-01 to 2022-12-31
- Filed
- 2023-11-09
- IRS object ID
- 202313139349305001
- Schema version
- 2022v5.0
- 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 | 2023-11-09T16:15:50-05:00 | ReturnTs |
| Tax Period End | 2022-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 751648909 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | Paul Hicks & Associates PC | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 4650 Kinsey Dr | AddressLine1Txt |
| City | Tyler | CityNm |
| State Abbreviation | TX | StateAbbreviationCd |
| ZIP | 75703 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2022-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 750751106 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | UNITED CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | UNIT | BusinessNameControlTxt |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 4901 OLD JACKSONVILLE HWY | AddressLine1Txt |
| City | TYLER | CityNm |
| State Abbreviation | TX | StateAbbreviationCd |
| ZIP | 75703 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | SHERRI MCELYEA | PersonNm |
| Person Title | PRESIDENT | PersonTitleTxt |
| Phone | 9035953604 | PhoneNum |
| Signature | 2023-10-27 | SignatureDt |
| Discuss With Paid Preparer | Yes (true) | DiscussWithPaidPreparerInd |
Signing Officer SigningOfficerGrp
Person Full Name PersonFullName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person First | SHERRI | PersonFirstNm |
| Person Last | MCELYEA | PersonLastNm |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | Ariel Anderson | PreparerPersonNm |
| PTIN | P02343811 | PTIN |
| Phone | 9035812117 | PhoneNum |
| Preparation | 2023-11-09 | PreparationDt |
Additional Filer Information AdditionalFilerInformation
Trusted Customer TrustedCustomerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Trusted Customer | 0 | TrustedCustomerCd |
| OOB Security Verification | 00 | OOBSecurityVerificationCd |
| Authentication Assurance Level | AAL2 | AuthenticationAssuranceLevelCd |
| Identity Assurance Level | IAL1 | IdentityAssuranceLevelCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2022 | TaxYr |
| Build TS | 2023-04-26 12:10:37Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $1,414,983 | GrossReceiptsAmt |
| Group Return For Affiliates | false | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | WWW.UNITEDCU.COOP | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1932 | FormationYr |
| Legal Domicile State | TX | LegalDomicileStateCd |
| Activity Or Mission | COOPERATIVE, MEMBERSHIP OWNED, NON-PROFIT PROVIDER OF FULL FINANCIAL SERVICES TO MEMBERS | ActivityOrMissionDesc |
| Voting Members Governing Body | 7 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 7 | VotingMembersIndependentCnt |
| Total Employee | 11 | TotalEmployeeCnt |
| Total Gross UBI | $0 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | $0 | NetUnrelatedBusTxblIncmAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $1,223,275 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $1,357,837 | CYProgramServiceRevenueAmt |
| PY Investment Income | $29,101 | PYInvestmentIncomeAmt |
| CY Investment Income | $57,146 | CYInvestmentIncomeAmt |
| CY Other Revenue | $0 | CYOtherRevenueAmt |
| PY Total Revenue | $1,252,376 | PYTotalRevenueAmt |
| CY Total Revenue | $1,414,983 | CYTotalRevenueAmt |
| CY Grants And Similar Paid | $0 | CYGrantsAndSimilarPaidAmt |
| PY Benefits Paid To Members | $99,295 | PYBenefitsPaidToMembersAmt |
| CY Benefits Paid To Members | $117,985 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $452,851 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $458,741 | CYSalariesCompEmpBnftPaidAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $837,661 | PYOtherExpensesAmt |
| CY Other Expenses | $761,646 | CYOtherExpensesAmt |
| PY Total Expenses | $1,389,807 | PYTotalExpensesAmt |
| CY Total Expenses | $1,338,372 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | -$137,431 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $76,611 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $28,060,069 | TotalAssetsBOYAmt |
| Total Assets EOY | $30,228,000 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $26,024,912 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $28,116,232 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $2,035,157 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $2,111,768 | NetAssetsOrFundBalancesEOYAmt |
| Mission | COOPERATIVE, MEMBERSHIP OWNED, NON-PROFIT PROVIDER OF FULL FINANCIAL SERVICES TO MEMBERS | MissionDesc |
| Significant New Program Srvc | false | SignificantNewProgramSrvcInd |
| Significant Change | false | SignificantChangeInd |
| Expense | $744,787 | ExpenseAmt |
| Revenue | $262,161 | RevenueAmt |
| Desc | ACCOUNTS: CERTIFICATE TERM SHARE ACCOUNTS: TERM SHARE CERTIFICATES ARE SAVINGS ACCOUNTS THAT ARE PLACED ON DEPOSIT FOR SPECIFIC PERIODS OF TIME. THEY HAVE A HIGHER EARNING RATE FOR MEMBERS DUE TO THE REQUIRED TIME FRAME TO REMAIN ON DEPOSIT. REMOVAL BEFORE MATURITY RESULTS IN A PENALTY. TERM SHARE CERTIFICATES ARE THE LARGEST ACCOUNT EXPENSE SAVINGS AND CHECKING. | Desc |
Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Expense | $398,477 | ExpenseAmt |
| Revenue | $1,044,818 | RevenueAmt |
| Desc | LOANS: RESIDENTIAL MORTGAGE, VEHICLE, PERSONAL AND CREDIT CARD LOANS ARE ALL OFFERED. RELATED SERVICES SUCH AS CREDIT LIFE, CREDIT DISABILITY, DENT GUARD, MECHANICAL REPAIR COVERAGE, AND GAP ARE ALL ALSO OFFERED. | Desc |
Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Expense | $110,953 | ExpenseAmt |
| Revenue | $50,858 | RevenueAmt |
| Desc | TECHNOLOGY SERVICES: TECHNOLOGY IN TODAYS AGE IS ALWAYS CHANGING AND GROWING EACH YEAR. THIS CAUSES THE EXPENSE TO BE QUITE LARGE IN ORDER TO STAY CURRENT WITH TODAYS WANTS AND NEEDS FOR MEMBERS. THE TECHNOLOGY SERVICES INCLUDE ONLINE BANKING, ONLINE LOAN APPLICATIONS, ONLINE SECURED DOCUSIGN, ONLINE MOBILE DEPOSIT, BILL PAY AND ESTATEMENT. THE TECHNOLOGY ALSO MUST BE UPDATED AND UPGRADED TO ENSURE THAT THEY ARE SECURE AND WORKING PROPERLY. | Desc |
Prog Srvc Accom Acty Other ProgSrvcAccomActyOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Expense | $84,155 | ExpenseAmt |
| Desc | OTHER PROGRAM SERVICES | Desc |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Other Prog Srvc Expense | $84,155 | TotalOtherProgSrvcExpenseAmt |
| Total Program Service Expenses | $1,338,372 | TotalProgramServiceExpensesAmt |
| Described In Section501c3 | false | DescribedInSection501c3Ind |
| Schedule B Required | false | ScheduleBRequiredInd |
| Political Campaign Acty | false | PoliticalCampaignActyInd |
| Subject To Proxy Tax | false | SubjectToProxyTaxInd |
| Donor Advised Fund | false | DonorAdvisedFundInd |
| Conservation Easements | false | ConservationEasementsInd |
| Collections Of Art | false | CollectionsOfArtInd |
| Credit Counseling | false | CreditCounselingInd |
| Donor Rstr Or Quasi Endowments | false | DonorRstrOrQuasiEndowmentsInd |
| Report Land Building Equipment | Yes (true) | ReportLandBuildingEquipmentInd |
| Report Investments Other Sec | false | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | false | ReportProgramRelatedInvstInd |
| Report Other Assets | false | ReportOtherAssetsInd |
| Report Other Liabilities | Yes (true) | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | 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 | false | 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 With35 Ctrl Ent | false | BusinessRlnWith35CtrlEntInd |
| Deductible Non Cash Contri | false | DeductibleNonCashContriInd |
| Deductible Art Contribution | false | DeductibleArtContributionInd |
| Terminate Operations | false | TerminateOperationsInd |
| Partial Liquidation | false | PartialLiquidationInd |
| Disregarded Entity | false | DisregardedEntityInd |
| Related Entity | false | RelatedEntityInd |
| Related Organization Ctrl Ent | false | RelatedOrganizationCtrlEntInd |
| Activities Conducted Prtshp | false | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (true) | ScheduleORequiredInd |
| IRP Document | 2 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Employee | 11 | EmployeeCnt |
| Employment Tax Returns Filed | Yes (true) | EmploymentTaxReturnsFiledInd |
| Unrelated Bus Incm Over Limit | Yes (true) | UnrelatedBusIncmOverLimitInd |
| Form990 T Filed | Yes (true) | Form990TFiledInd |
| Foreign Financial Account | false | ForeignFinancialAccountInd |
| Prohibited Tax Shelter Trans | false | ProhibitedTaxShelterTransInd |
| Taxable Party Notification | false | TaxablePartyNotificationInd |
| Nondeductible Contributions | false | NondeductibleContributionsInd |
| Quid Pro Quo Contributions | false | QuidProQuoContributionsInd |
| Form8282 Property Disposed Of | false | Form8282PropertyDisposedOfInd |
| Rcv Fnds To Pay Prsnl Bnft Cntrct | false | RcvFndsToPayPrsnlBnftCntrctInd |
| Pay Premiums Prsnl Bnft Cntrct | false | PayPremiumsPrsnlBnftCntrctInd |
| Form8899 Filedind | false | Form8899Filedind |
| Form1098 C Filed | false | Form1098CFiledInd |
| DAF Excess Business Holdings | false | DAFExcessBusinessHoldingsInd |
| Taxable Distributions | false | TaxableDistributionsInd |
| Distribution To Donor | false | DistributionToDonorInd |
| Indoor Tanning Services | false | IndoorTanningServicesInd |
| Subj To Tax Rmnrtn Ex Prcht Pymt | false | SubjToTaxRmnrtnExPrchtPymtInd |
| Subject To Excs Tax Net Invst Inc | false | SubjectToExcsTaxNetInvstIncInd |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 7 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 7 | IndependentVotingMemberCnt |
| Family Or Business Rln | false | FamilyOrBusinessRlnInd |
| Delegation Of Mgmt Duties | false | DelegationOfMgmtDutiesInd |
| Change To Org Documents | false | ChangeToOrgDocumentsInd |
| Material Diversion Or Misuse | false | MaterialDiversionOrMisuseInd |
| Members Or Stockholders | Yes (true) | MembersOrStockholdersInd |
| Election Of Board Members | Yes (true) | ElectionOfBoardMembersInd |
| Decisions Subject To Approva | Yes (true) | DecisionsSubjectToApprovaInd |
| Minutes Of Governing Body | Yes (true) | MinutesOfGoverningBodyInd |
| Minutes Of Committees | Yes (true) | MinutesOfCommitteesInd |
| Officer Mailing Address | false | OfficerMailingAddressInd |
| Local Chapters | false | LocalChaptersInd |
| Form990 Provided To Gvrn Body | false | 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 | false | CompensationProcessCEOInd |
| Compensation Process Other | false | CompensationProcessOtherInd |
| Investment In Joint Venture | false | InvestmentInJointVentureInd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | SHERRI MCELYEA | PersonNm |
| Phone | 9035953604 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 4901 OLD JACKSONVILLE HWY | AddressLine1Txt |
| City | TYLER | CityNm |
| State Abbreviation | TX | StateAbbreviationCd |
| ZIP | 75703 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (9 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt | OfficerOfficerInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd |
|---|---|---|---|---|---|---|---|
| SHERRI MCELYEA | |||||||
| PRESIDENT | 44.00 | 0.00 | Yes (X) | $81,223 | $0 | $0 | |
| CAMERON ANDERSON | |||||||
| VICE PRESIDENT | 41.00 | 0.00 | Yes (X) | $55,259 | $0 | $0 | |
| NARS BUENAVENTURA | |||||||
| CREDIT COMMITTEE | 0.50 | 0.00 | $0 | $0 | $0 | Yes (X) | |
| DJUANNA MORGAN | |||||||
| CREDIT COMMITTEE | 0.50 | 0.00 | $0 | $0 | $0 | Yes (X) | |
| GEORGE CREEL | |||||||
| VICE CHAIRMAN | 0.50 | 0.00 | $0 | $0 | $0 | Yes (X) | |
| COURTNEY KLEPFER | |||||||
| CHAIRMAN | 0.50 | 0.00 | $0 | $0 | $0 | Yes (X) | |
| DAVID ADAMS | |||||||
| CHAIRMAN | 0.50 | 0.00 | Yes (X) | $0 | $0 | $0 | Yes (X) |
| NANCY PARKER | |||||||
| CREDIT COMMITTEE | 0.50 | 0.00 | Yes (X) | $0 | $0 | $0 | Yes (X) |
| LORA SAVOIE | |||||||
| SEC-TREAS | 0.50 | 0.00 | Yes (X) | $0 | $0 | $0 | Yes (X) |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $136,482 | TotalReportableCompFromOrgAmt |
| Tot Reportable Comp Rltd Org | $0 | TotReportableCompRltdOrgAmt |
| Total Other Compensation | $0 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 0 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | false | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | false | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | false | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp (2 entries)
| Address Line1ContractorAddress/USAddress/AddressLine1Txt | CityContractorAddress/USAddress/CityNm | State AbbreviationContractorAddress/USAddress/StateAbbreviationCd | ZIPContractorAddress/USAddress/ZIPCd | ServicesServicesDesc | CompensationCompensationAmt |
|---|---|---|---|---|---|
| CUNA MUTUAL GROUP | |||||
| 5910 MINERAL POINT ROAD | MADISON | WI | 53705 | INSURANCEBONDS | $253,838 |
| FISERV | |||||
| 2601 NETWORK BLVD SUITE 600 | FRISCO | TX | 75034 | DATA PROCESSOR | $116,994 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 2 | CntrctRcvdGreaterThan100KCnt |
Program Service Revenue ProgramServiceRevenueGrp (4 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt |
|---|---|---|---|
| INTEREST ON LOANS | 522291 | $1,044,818 | $1,044,818 |
| FEE INCOME | 522291 | $262,161 | $262,161 |
| MISCELLANEOUS INCOME | 900099 | $50,858 | $50,858 |
| NON-MEMBER ATM FEES | 524298 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $1,357,837 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $57,146 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $57,146 | RelatedOrExemptFuncIncomeAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $1,414,983 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $1,414,983 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $0 | UnrelatedBusinessRevenueAmt |
| Exclusion | $0 | ExclusionAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part IX | Yes (X) | InfoInScheduleOPartIXInd |
Benefits To Members BenefitsToMembersGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $117,985 | TotalAmt |
| Program Services | $117,985 | ProgramServicesAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $136,482 | TotalAmt |
| Program Services | $136,482 | ProgramServicesAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $245,766 | TotalAmt |
| Program Services | $245,766 | ProgramServicesAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $41,197 | TotalAmt |
| Program Services | $41,197 | ProgramServicesAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $35,296 | TotalAmt |
| Program Services | $35,296 | ProgramServicesAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $45,801 | TotalAmt |
| Program Services | $45,801 | ProgramServicesAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $9,800 | TotalAmt |
| Program Services | $9,800 | ProgramServicesAmt |
Fees For Services Other FeesForServicesOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $164,114 | TotalAmt |
| Program Services | $164,114 | ProgramServicesAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $20,434 | TotalAmt |
| Program Services | $20,434 | ProgramServicesAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $110,953 | TotalAmt |
| Program Services | $110,953 | ProgramServicesAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $37,178 | TotalAmt |
| Program Services | $37,178 | ProgramServicesAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $10,906 | TotalAmt |
| Program Services | $10,906 | ProgramServicesAmt |
Interest InterestGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,262 | TotalAmt |
| Program Services | $3,262 | ProgramServicesAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $64,904 | TotalAmt |
| Program Services | $64,904 | ProgramServicesAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $39,159 | TotalAmt |
| Program Services | $39,159 | ProgramServicesAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt | Program ServicesProgramServicesAmt |
|---|---|---|
| PROVISION FOR LOAN LOSSES | $98,279 | $98,279 |
| LOAN AND ACCOUNT SERVICING | $42,338 | $42,338 |
| REPAIRS AND MAINTENANCE | $30,363 | $30,363 |
| MISCELLANEOUS | $84,155 | $84,155 |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,338,372 | TotalAmt |
| Program Services | $1,338,372 | ProgramServicesAmt |
| Management And General | $0 | ManagementAndGeneralAmt |
| Fundraising | $0 | FundraisingAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $102,947 | BOYAmt |
| EOY | $139,541 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $10,032,768 | BOYAmt |
| EOY | $7,754,283 | EOYAmt |
Accounts Receivable AccountsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $70,089 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $16,491,324 | BOYAmt |
| EOY | $20,577,962 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $2,154,162 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $643,195 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,514,543 | BOYAmt |
| EOY | $1,510,967 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | -$81,513 | BOYAmt |
| EOY | $175,158 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $28,060,069 | BOYAmt |
| EOY | $30,228,000 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $199,387 | BOYAmt |
| EOY | $92 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $25,825,525 | BOYAmt |
| EOY | $28,116,140 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $26,024,912 | BOYAmt |
| EOY | $28,116,232 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Org Does Not Follow FASB117 | Yes (X) | OrgDoesNotFollowFASB117Ind |
Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $468,761 | BOYAmt |
| EOY | $496,025 | EOYAmt |
Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,566,396 | BOYAmt |
| EOY | $1,615,743 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,035,157 | BOYAmt |
| EOY | $2,111,768 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $28,060,069 | BOYAmt |
| EOY | $30,228,000 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expnss | $76,611 | ReconcilationRevenueExpnssAmt |
| Other Changes In Net Assets | $0 | 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 | $252,717 | OtherCostOrOtherBasisAmt |
| Book Value | $252,717 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $1,561,058 | OtherCostOrOtherBasisAmt |
| Depreciation | $383,689 | DepreciationAmt |
| Book Value | $1,177,369 | BookValueAmt |
Other Land Buildings OtherLandBuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $340,387 | OtherCostOrOtherBasisAmt |
| Depreciation | $259,506 | DepreciationAmt |
| Book Value | $80,881 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $1,510,967 | TotalBookValueLandBuildingsAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)
| DescDesc | AmtAmt |
|---|---|
| MEMBER SHARES AND RESERVES | $28,438,705 |
| UNREALIZED GAINLOSS PENSION | -$322,565 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $28,116,140 | TotalLiabilityAmt |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (7 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| Members or stockholder classes and rights Part VI line 6 | MEMBERS MUST BE EMPLOYED OR RETIRED USPS OR FEDERAL EMPLOYEES IN SMITH, UPSHUR OR VAN ZANDT COUNTIES. MEMBERS THAT ARE NOT EMPLOYED OR RETIRED USPS OR FEDERAL EMPLOYEES MUST LIVE, WORK, WORSHIP OR ATTEND SCHOOL IN SMITH COUNTY, WOOD COUNTY SERVICED BY ZIP CODE 75765 OR 75773, OR VAN ZANDT COUNTY SERVICED BY ZIP CODE 75103, 75140, 75754, 75790, 75124, OR 75752. |
| Member election for additional members Part VI line 7a | MEMBERS VOTE TO ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING. |
| Governing body decisions Part VI line 7b | MEMBERS VOTE TO ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING. |
| Form 990 governing body review Part VI line 11 | THE 990 WILL BE REVIEWED BY THE OFFICER SIGNING THE RETURN. |
| Conflict of interest policy compliance Part VI line 12c | UNITED CREDIT UNION HAS A WRITTEN CONFLICT OF INTEREST POLICY THAT IS REGULARLY MONITORED BY MANAGEMENT. |
| Governing documents etc available to public Part VI line 19 | GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST TO MEMBERS. FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION, ON THE WEBSITE, AND A COPY IS PROVIDED TO MEMBERS UPON REQUEST. |
| List of other fees for services expenses Part IX line 11g | PROFESSIONAL SERVICES, TREND HR, CORE PROCESSOR, DEBIT CARD PROCESSOR |
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