MISSOURI CENTRAL CREDIT UNION: Form 990, tax year 2016

View the entire original 990 at ProPublica ↗

Organization
MISSOURI CENTRAL CREDIT UNION (EIN 44-0357634)
Tax period
2016-01-01 to 2016-12-31
Filed
2017-10-18
IRS object ID
201722919349301017
Schema version
2016v3.0
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

FieldValueIRS element (for citing)
Return2017-10-18T16:53:13-05:00ReturnTs
Tax Period End2016-12-31TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

FieldValueIRS element (for citing)
Preparer Firm EIN431592217PreparerFirmEIN

Preparer Firm Name PreparerFirmName

FieldValueIRS element (for citing)
Business Name Line1J TENBRINK & ASSOCIATESBusinessNameLine1Txt

Preparer US Address PreparerUSAddress

FieldValueIRS element (for citing)
Address Line111272 S RIDGEVIEW RDAddressLine1Txt
CityOLATHECityNm
State AbbreviationKSStateAbbreviationCd
ZIP66061ZIPCd
FieldValueIRS element (for citing)
Return Type990ReturnTypeCd
Tax Period Begin2016-01-01TaxPeriodBeginDt

Filer Filer

FieldValueIRS element (for citing)
EIN440357634EIN

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1MISSOURI CENTRAL CREDIT UNIONBusinessNameLine1Txt
FieldValueIRS element (for citing)
Business Name ControlMISSBusinessNameControlTxt
Phone8162460002PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line1825 NE DEERBROOK PO BOX 6617AddressLine1Txt
CityLEES SUMMITCityNm
State AbbreviationMOStateAbbreviationCd
ZIP640646617ZIPCd

Business Officer BusinessOfficerGrp

FieldValueIRS element (for citing)
PersonGLENNA JARVISPersonNm
Person TitlePRESIDENTPersonTitleTxt
Phone8162460002PhoneNum
Signature2017-10-18SignatureDt
Discuss With Paid PreparerYes (1)DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

FieldValueIRS element (for citing)
PTINP00638199PTIN
Phone9138946214PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

FieldValueIRS element (for citing)
I Pv4 Address97.87.82.114IPv4AddressTxt
FieldValueIRS element (for citing)
IP2017-10-18IPDt
IP Tm16:53:02IPTm
IP TimezoneCDIPTimezoneCd
Filing License TypePFilingLicenseTypeCd
At Submission Creation Device IdF833D4313777CB96842A8180D2DBFCFD1CED2197AtSubmissionCreationDeviceId
At Submission Filing Device IdF833D4313777CB96842A8180D2DBFCFD1CED2197AtSubmissionFilingDeviceId
FieldValueIRS element (for citing)
Tax2016TaxYr
Build TS2021-01-29 14:40:06ZBuildTS

Form 990 IRS990

FieldValueIRS element (for citing)
Principal OfficerGLENNA JARVISPrincipalOfficerNm

US Address USAddress

FieldValueIRS element (for citing)
Address Line1825 NE DEERBROOKAddressLine1Txt
CityLEES SUMMITCityNm
State AbbreviationMOStateAbbreviationCd
ZIP64086ZIPCd
FieldValueIRS element (for citing)
Gross Receipts$2,023,737GrossReceiptsAmt
Group Return For Affiliates0GroupReturnForAffiliatesInd
Organization501cYes (X)Organization501cInd
Website AddressWWW.MOCENTRAL.ORGWebsiteAddressTxt
Type Of Organization CorpYes (X)TypeOfOrganizationCorpInd
Formation1931FormationYr
Legal Domicile StateMOLegalDomicileStateCd
Activity Or MissionTO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.ActivityOrMissionDesc
Voting Members Governing Body7VotingMembersGoverningBodyCnt
Voting Members Independent7VotingMembersIndependentCnt
Total Employee22TotalEmployeeCnt
Total Volunteers12TotalVolunteersCnt
Total Gross UBI$7,904TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm-$16,881NetUnrelatedBusTxblIncmAmt
PY Contributions Grants$0PYContributionsGrantsAmt
CY Contributions Grants$0CYContributionsGrantsAmt
PY Program Service Revenue$1,597,504PYProgramServiceRevenueAmt
CY Program Service Revenue$1,665,307CYProgramServiceRevenueAmt
PY Investment Income$257,487PYInvestmentIncomeAmt
CY Investment Income$340,945CYInvestmentIncomeAmt
PY Other Revenue$16,678PYOtherRevenueAmt
CY Other Revenue$15,485CYOtherRevenueAmt
PY Total Revenue$1,871,669PYTotalRevenueAmt
CY Total Revenue$2,021,737CYTotalRevenueAmt
PY Grants And Similar Paid$0PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid$0CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members$0PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members$0CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid$774,394PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid$823,175CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns$0PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns$0CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense$0CYTotalFundraisingExpenseAmt
PY Other Expenses$1,022,512PYOtherExpensesAmt
CY Other Expenses$1,114,147CYOtherExpensesAmt
PY Total Expenses$1,796,906PYTotalExpensesAmt
CY Total Expenses$1,937,322CYTotalExpensesAmt
PY Revenues Less Expenses$74,763PYRevenuesLessExpensesAmt
CY Revenues Less Expenses$84,415CYRevenuesLessExpensesAmt
Total Assets BOY$47,984,372TotalAssetsBOYAmt
Total Assets EOY$51,359,512TotalAssetsEOYAmt
Total Liabilities BOY$42,442,628TotalLiabilitiesBOYAmt
Total Liabilities EOY$45,733,353TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY$5,541,744NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY$5,626,159NetAssetsOrFundBalancesEOYAmt
MissionTO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.MissionDesc
Significant New Program Srvc0SignificantNewProgramSrvcInd
Significant Change0SignificantChangeInd
DescPROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 8,402 MEMBERS.Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

FieldValueIRS element (for citing)
DescPROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2016, THERE WERE 2,518 LOANS OUTSTANDING TOTALING $23,502,136.Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

FieldValueIRS element (for citing)
DescPAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $104,977.Desc
FieldValueIRS element (for citing)
Described In Section501c30DescribedInSection501c3Ind
Schedule B Required0ScheduleBRequiredInd
Political Campaign Acty0PoliticalCampaignActyInd
Subject To Proxy Tax0SubjectToProxyTaxInd
Donor Advised Fund0DonorAdvisedFundInd
Conservation Easements0ConservationEasementsInd
Collections Of Art0CollectionsOfArtInd
Credit Counseling0CreditCounselingInd
Temp Or Permanent Endowments0TempOrPermanentEndowmentsInd
Report Land Building EquipmentYes (1)ReportLandBuildingEquipmentInd
Report Investments Other Sec0ReportInvestmentsOtherSecInd
Report Program Related Invst0ReportProgramRelatedInvstInd
Report Other Assets0ReportOtherAssetsInd
Report Other LiabilitiesYes (1)ReportOtherLiabilitiesInd
Include FIN48 Footnote0IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt0IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt0ConsolidatedAuditFinclStmtInd
School Operating0SchoolOperatingInd
Foreign Office0ForeignOfficeInd
Foreign Activities0ForeignActivitiesInd
More Than5000 K To Org0MoreThan5000KToOrgInd
More Than5000 K To Individuals0MoreThan5000KToIndividualsInd
Professional Fundraising0ProfessionalFundraisingInd
Fundraising Activities0FundraisingActivitiesInd
Gaming Activities0GamingActivitiesInd
Operate Hospital0OperateHospitalInd
Grants To Organizations0GrantsToOrganizationsInd
Grants To Individuals0GrantsToIndividualsInd
Schedule J Required0ScheduleJRequiredInd
Tax Exempt Bonds0TaxExemptBondsInd
Loan Outstanding0LoanOutstandingInd
Grant To Related Person0GrantToRelatedPersonInd
Business Rln With Org Mem0BusinessRlnWithOrgMemInd
Business Rln With Fam Mem0BusinessRlnWithFamMemInd
Business Rln With Officer Ent0BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri0DeductibleNonCashContriInd
Deductible Art Contribution0DeductibleArtContributionInd
Terminate Operations0TerminateOperationsInd
Partial Liquidation0PartialLiquidationInd
Disregarded Entity0DisregardedEntityInd
Related Entity0RelatedEntityInd
Related Organization Ctrl Ent0RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp0ActivitiesConductedPrtshpInd
Schedule O RequiredYes (1)ScheduleORequiredInd
IRP Document2726IRPDocumentCnt
IRP Document W2 G0IRPDocumentW2GCnt
Backup Wthld ComplianceYes (1)BackupWthldComplianceInd
Employee22EmployeeCnt
Employment Tax Returns FiledYes (1)EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over LimitYes (1)UnrelatedBusIncmOverLimitInd
Form990 T FiledYes (1)Form990TFiledInd
Foreign Financial Account0ForeignFinancialAccountInd
Prohibited Tax Shelter Trans0ProhibitedTaxShelterTransInd
Taxable Party Notification0TaxablePartyNotificationInd
Nondeductible Contributions0NondeductibleContributionsInd
Indoor Tanning Services0IndoorTanningServicesInd
Info In Schedule O Part VIYes (X)InfoInScheduleOPartVIInd
Governing Body Voting Members7GoverningBodyVotingMembersCnt
Independent Voting Member7IndependentVotingMemberCnt
Family Or Business Rln0FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties0DelegationOfMgmtDutiesInd
Change To Org Documents0ChangeToOrgDocumentsInd
Material Diversion Or Misuse0MaterialDiversionOrMisuseInd
Members Or StockholdersYes (1)MembersOrStockholdersInd
Election Of Board MembersYes (1)ElectionOfBoardMembersInd
Decisions Subject To ApprovaYes (1)DecisionsSubjectToApprovaInd
Minutes Of Governing BodyYes (1)MinutesOfGoverningBodyInd
Minutes Of CommitteesYes (1)MinutesOfCommitteesInd
Officer Mailing Address0OfficerMailingAddressInd
Local Chapters0LocalChaptersInd
Form990 Provided To Gvrn Body0Form990ProvidedToGvrnBodyInd
Conflict Of Interest PolicyYes (1)ConflictOfInterestPolicyInd
Annual Disclosure Covered PrsnYes (1)AnnualDisclosureCoveredPrsnInd
Regular Monitoring EnfrcYes (1)RegularMonitoringEnfrcInd
Whistleblower PolicyYes (1)WhistleblowerPolicyInd
Document Retention PolicyYes (1)DocumentRetentionPolicyInd
Compensation Process CEOYes (1)CompensationProcessCEOInd
Compensation Process Other0CompensationProcessOtherInd
Investment In Joint Venture0InvestmentInJointVentureInd
Upon RequestYes (X)UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1GLENNA JARVISBusinessNameLine1Txt
FieldValueIRS element (for citing)
Phone8162460002PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line1825 NE DEERBROOKAddressLine1Txt
CityLEES SUMMITCityNm
State AbbreviationMOStateAbbreviationCd
ZIP640866750ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (10 entries)

TitleTitleTxtAverage Hours Per WeekAverageHoursPerWeekRtIndividual Trustee Or DirectorIndividualTrusteeOrDirectorIndReportable Comp From OrgReportableCompFromOrgAmtReportable Comp From Rltd OrgReportableCompFromRltdOrgAmtOther CompensationOtherCompensationAmtOfficerOfficerInd
JOHN THOMAS LOVELL JR
CHAIRPERSON1.00Yes (X)$0$0$0
JOANNE THIES
VICE CHAIRPERSON1.00Yes (X)$0$0$0
MICHAEL HORTON
SECRETARY/TREASURER1.00Yes (X)$0$0$0
DOUG HERMES
BOARD MEMBER1.00Yes (X)$0$0$0
LEONARD STONESTREET
BOARD MEMBER1.00Yes (X)$0$0$0
MARK SCHAUFLER
BOARD MEMBER1.00Yes (X)$0$0$0
SAM VOYLES
BOARD MEMBER1.00Yes (X)$0$0$0
GLENNA JARVIS
PRESIDENT40.00$111,140$0$19,165Yes (X)
TOM LOFTUS
VICE PRESIDENT & COO40.00$81,960$0$16,237Yes (X)
WILLIAM TRENCHARD
VICE PRESIDENT & CFO40.00$73,393$0$28,423Yes (X)
FieldValueIRS element (for citing)
Total Reportable Comp From Org$266,493TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org$0TotReportableCompRltdOrgAmt
Total Other Compensation$63,825TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K1IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed0FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K0TotalCompGreaterThan150KInd
Compensation From Other Srcs0CompensationFromOtherSrcsInd
Cntrct Rcvd Greater Than100 K0CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDescBusinessBusinessCdTotal Revenue ColumnTotalRevenueColumnAmtRelated Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmtUnrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS522100$1,043,343$1,043,343
FEES & OTHER INCOME522100$614,060$614,060
NON-MEMBER ATM FEES522100$7,154$7,154
WARRANTY SALES522100$750$750
FieldValueIRS element (for citing)
Total Program Service Revenue$1,665,307TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

FieldValueIRS element (for citing)
Total Revenue Column$341,745TotalRevenueColumnAmt
Related Or Exempt Func Income$341,745RelatedOrExemptFuncIncomeAmt

Royalties Revenue RoyaltiesRevenueGrp

FieldValueIRS element (for citing)
Total Revenue Column$15,485TotalRevenueColumnAmt
Related Or Exempt Func Income$15,485RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

FieldValueIRS element (for citing)
Other$1,200OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

FieldValueIRS element (for citing)
Other$2,000OtherAmt

Gain Or Loss GainOrLossGrp

FieldValueIRS element (for citing)
Other-$800OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

FieldValueIRS element (for citing)
Total Revenue Column-$800TotalRevenueColumnAmt
Related Or Exempt Func Income-$800RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

FieldValueIRS element (for citing)
Total Revenue Column$2,021,737TotalRevenueColumnAmt
Related Or Exempt Func Income$2,013,833RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue$7,904UnrelatedBusinessRevenueAmt
Exclusion$0ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

FieldValueIRS element (for citing)
Total$330,318TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

FieldValueIRS element (for citing)
Total$347,394TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

FieldValueIRS element (for citing)
Total$31,948TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

FieldValueIRS element (for citing)
Total$63,073TotalAmt

Payroll Taxes PayrollTaxesGrp

FieldValueIRS element (for citing)
Total$50,442TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

FieldValueIRS element (for citing)
Total$4,714TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

FieldValueIRS element (for citing)
Total$28,209TotalAmt

Fees For Services Other FeesForServicesOtherGrp

FieldValueIRS element (for citing)
Total$65,518TotalAmt

Advertising AdvertisingGrp

FieldValueIRS element (for citing)
Total$61,556TotalAmt

Office Expenses OfficeExpensesGrp

FieldValueIRS element (for citing)
Total$327,707TotalAmt

Information Technology InformationTechnologyGrp

FieldValueIRS element (for citing)
Total$105,963TotalAmt

Occupancy OccupancyGrp

FieldValueIRS element (for citing)
Total$68,520TotalAmt

Travel TravelGrp

FieldValueIRS element (for citing)
Total$1,680TotalAmt

Conferences Meetings ConferencesMeetingsGrp

FieldValueIRS element (for citing)
Total$6,925TotalAmt

Depreciation Depletion DepreciationDepletionGrp

FieldValueIRS element (for citing)
Total$88,330TotalAmt

Insurance InsuranceGrp

FieldValueIRS element (for citing)
Total$23,186TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDescTotalTotalAmt
LOAN SERVICING$123,188
MEMBER DIVIDENDS$104,977
PROVISION FOR LOAN LOSS$60,589
ASSOCIATION DUES$22,195

All Other Expenses AllOtherExpensesGrp

FieldValueIRS element (for citing)
Total$20,890TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

FieldValueIRS element (for citing)
Total$1,937,322TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

FieldValueIRS element (for citing)
BOY$302,992BOYAmt
EOY$436,745EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

FieldValueIRS element (for citing)
BOY$24,080,833BOYAmt
EOY$24,169,612EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

FieldValueIRS element (for citing)
BOY$20,463,819BOYAmt
EOY$23,405,036EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

FieldValueIRS element (for citing)
BOY$100,316BOYAmt
EOY$101,719EOYAmt
FieldValueIRS element (for citing)
Land Bldg Equip Cost Or Other Bss$2,538,774LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec$1,235,618LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

FieldValueIRS element (for citing)
BOY$1,008,805BOYAmt
EOY$1,303,156EOYAmt

Other Assets Total OtherAssetsTotalGrp

FieldValueIRS element (for citing)
BOY$2,027,607BOYAmt
EOY$1,943,244EOYAmt

Total Assets TotalAssetsGrp

FieldValueIRS element (for citing)
BOY$47,984,372BOYAmt
EOY$51,359,512EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

FieldValueIRS element (for citing)
BOY$228,549BOYAmt
EOY$274,155EOYAmt

Other Liabilities OtherLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$42,214,079BOYAmt
EOY$45,459,198EOYAmt

Total Liabilities TotalLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$42,442,628BOYAmt
EOY$45,733,353EOYAmt
FieldValueIRS element (for citing)
Org Does Not Follow SFAS117Yes (X)OrgDoesNotFollowSFAS117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

FieldValueIRS element (for citing)
BOY$5,541,744BOYAmt
EOY$5,626,159EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$5,541,744BOYAmt
EOY$5,626,159EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$47,984,372BOYAmt
EOY$51,359,512EOYAmt
FieldValueIRS element (for citing)
Reconcilation Revenue Expnss$84,415ReconcilationRevenueExpnssAmt
Other Changes In Net Assets$0OtherChangesInNetAssetsAmt
Method Of Accounting AccrualYes (X)MethodOfAccountingAccrualInd
Accountant Compile Or Review0AccountantCompileOrReviewInd
FS Audited0FSAuditedInd
Federal Grant Audit Required0FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$250,195OtherCostOrOtherBasisAmt
Book Value$250,195BookValueAmt

Buildings BuildingsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$1,741,368OtherCostOrOtherBasisAmt
Depreciation$805,066DepreciationAmt
Book Value$936,302BookValueAmt

Equipment EquipmentGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$547,211OtherCostOrOtherBasisAmt
Depreciation$430,552DepreciationAmt
Book Value$116,659BookValueAmt
FieldValueIRS element (for citing)
Total Book Value Land Buildings$1,303,156TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

FieldValueIRS element (for citing)
DescMEMBER SHARE DEPOSITSDesc
Amt$45,459,198Amt
FieldValueIRS element (for citing)
Total Liability$45,459,198TotalLiabilityAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDescExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7ATHE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7BSIGNIFICANT CHANGES SUCH AS CHANGES TO BYLAWS AND MERGERS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
FORM 990, PART VI, SECTION B, LINE 11BTHE CFO SUBMITS INFORMATION TO THE OUTSIDE ACCOUNTING FIRM PREPARING THE RETURN. THE RESPONSIBLITY FOR REVIEWING THE 990 IS DELEGATED TO THE PRESIDENT, WHO IN TURN, REVIEWS DETAILS WITH THE CFO BEFORE FILING.
FORM 990, PART VI, SECTION B, LINE 12CON AN ANNUAL BASIS, ALL OFFICERS, DIRECTORS, COMMITTEE MEMBERS, AND KEY EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
FORM 990, PART VI, SECTION B, LINE 15ATHE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION USING VARIOUS INFORMATION, INCLUDING SALARY SURVEYS OF SIMILAR SIZE INSTITUTIONS. ALL OTHER COMPENSATION IS DETERMINED BY THE PRESIDENT AND PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
FORM 990, PART VI, SECTION C, LINE 19FINANCIAL STATEMENTS ARE POSTED MONTHLY IN THE LOBBY, PRESENTED AT THE ANNUAL MEETING, AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.

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