STATE CHARTERED CREDIT UNIONS IN FLORIDA: Form 990, tax year 2010
View the entire original 990 at ProPublica ↗
- Organization
- STATE CHARTERED CREDIT UNIONS IN FLORIDA (EIN 59-0860768)
- Tax period
- 2010-01-01 to 2010-12-31
- Filed
- 2011-08-05
- IRS object ID
- 201112179349300311
- Schema version
- 2010v3.2
- 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 | 2011-08-05T14:10:34-07:00 | Timestamp |
| Tax Period End Date | 2010-12-31 | TaxPeriodEndDate |
| Return Type | 990 | ReturnType |
| Tax Period Begin Date | 2010-01-01 | TaxPeriodBeginDate |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 590860768 | EIN |
Name Name
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | COMMUNITY CREDIT UNION OF FLORIDA | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Control | COMM | NameControl |
| Phone | 3216902328 | Phone |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1030 S US Hwy 1 | AddressLine1 |
| City | Rockledge | City |
| State | FL | State |
| ZIP Code | 32955 | ZIPCode |
Officer Officer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | Susie LeBouef | Name |
| Title | Controller | Title |
| Phone | 3216902328 | Phone |
| Date Signed | 2011-06-20 | DateSigned |
| 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 | David Brock | NameOfPrincipalOfficerPerson |
Address Principal Officer US AddressPrincipalOfficerUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1030 S US Hwy 1 | AddressLine1 |
| City | Rockledge | City |
| State | FL | State |
| ZIP Code | 32955 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | 24050844 | GrossReceipts |
| Group Return For Affiliates | 0 | GroupReturnForAffiliates |
| Organization501c | X | Organization501c |
| Web Site | www.ccuflorida.org | WebSite |
| Type Of Organization Corporation | X | TypeOfOrganizationCorporation |
| Year Formation | 1953 | YearFormation |
| State Legal Domicile | FL | StateLegalDomicile |
| Activity Or Mission Description | Community Credit Union of Florida provides financial services to its 32,250 members. As of 12/31/2010, CCU is servicing 16,979 member loans and has a total of 66,259 active deposit accounts. | ActivityOrMissionDescription |
| Nbr Voting Members Governing Body | 5 | NbrVotingMembersGoverningBody |
| Nbr Independent Voting Members | 5 | NbrIndependentVotingMembers |
| Total Nbr Employees | 80 | TotalNbrEmployees |
| Total Nbr Volunteers | 6 | TotalNbrVolunteers |
| Total Gross UBI | 207435 | TotalGrossUBI |
| Net Unrelated Business Txbl Income | 0 | NetUnrelatedBusinessTxblIncome |
| Contributions Grants Prior Year | 0 | ContributionsGrantsPriorYear |
| Contributions Grants Current Year | 0 | ContributionsGrantsCurrentYear |
| Program Service Revenue Prior Year | 24264923 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 23966026 | ProgramServiceRevenueCY |
| Investment Income Prior Year | 290820 | InvestmentIncomePriorYear |
| Investment Income Current Year | 278463 | InvestmentIncomeCurrentYear |
| Other Revenue Prior Year | -461487 | OtherRevenuePriorYear |
| Other Revenue Current Year | -193645 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 24094256 | TotalRevenuePriorYear |
| Total Revenue Current Year | 24050844 | TotalRevenueCurrentYear |
| Grants And Similar Amnts Prior Year | 40691 | GrantsAndSimilarAmntsPriorYear |
| Grants And Similar Amnts CY | 37746 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members Prior Year | 0 | BenefitsPaidToMembersPriorYear |
| Benefits Paid To Members CY | 0 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 5189511 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 5001316 | 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 | 21669846 | OtherExpensePriorYear |
| Other Expenses Current Year | 17472041 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 26900048 | TotalExpensesPriorYear |
| Total Expenses Current Year | 22511103 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | -2805792 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 1539741 | RevenuesLessExpensesCY |
| Total Assets BOY | 336968275 | TotalAssetsBOY |
| Total Assets EOY | 359966164 | TotalAssetsEOY |
| Total Liabilities BOY | 307337452 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 328517449 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 29630823 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 31448715 | NetAssetsOrFundBalancesEOY |
| Mission Description | Community Credit Union is a member-owned, not-for -profit, financial cooperative formed in 1953 by local educators. CCU has grown to more than 32,000 members. Community Credit Union's mission is to provide timely financial services and education to our members by consistently improving our member's financial knowledge and well being. CCU's boards of directors are all unpaid volunteers, elected by members. Free services include FinanceWorks, bill pay, online/mobile banking, text balance/transfer and the convenience of Saturday lobby hours. CCU also offers online education and anonymous counseling through Balance. CCU's innovative loans and Member Solutions program provide a means to rework debt to keep members in their homes and driving their cars. CCU works hard to ensure its profits are reinvested back into the local community. Our legacy of sponsoring a variety of activities and events in the local community has been instrumental in supporting local non-profit organizations. | MissionDescription |
| Significant New Program Services | 0 | SignificantNewProgramServices |
| Significant Change | 0 | SignificantChange |
| Expense | 22511103 | Expense |
| Revenue | 18249350 | Revenue |
| Description | Loans receivable. Interest earned on 16,979 active loans. | Description |
Activity2 Activity2
| Field | Value | IRS element (for citing) |
|---|---|---|
| Expense | 0 | Expense |
| Revenue | 5716677 | Revenue |
| Description | Offer financial services to 32,250 members in the form of money orders, travelers checks, official checks, wire transfers, safe deposit boxes and many other services that are provided by the employees of Community Credit Union of Florida. | Description |
Activity3 Activity3
| Field | Value | IRS element (for citing) |
|---|---|---|
| Expense | 0 | Expense |
| Revenue | 84818 | Revenue |
| Description | Investments are used as a means of extra earnings on deposited funds that have not been utilized for any lending programs. Also includes net loss from disposition of assets. | Description |
Activity Other ActivityOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Expense | 0 | Expense |
| Grants | 0 | Grants |
| Revenue | 0 | Revenue |
| Description | none | Description |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Other Program Service Exp | 0 | TotalOfOtherProgramServiceExp |
| Total Of Other Program Service Grnt | 0 | TotalOfOtherProgramServiceGrnt |
| Total Of Other Program Service Rev | 0 | TotalOfOtherProgramServiceRev |
| Total Program Service Expense | 22511103 | TotalProgramServiceExpense |
| 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 | 1 | 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 | 1 | GrantsToOrganizations |
| Grants To Individuals | 0 | GrantsToIndividuals |
| Schedule J Required | 1 | ScheduleJRequired |
| Tax Exempt Bonds | 0 | TaxExemptBonds |
| Loan To Officer Or DQP | 1 | 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 |
| Info In Schedule O Part V | X | InfoInScheduleOPartV |
| Number Forms Transmitted With1096 | 13667 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 92 | NumberW2GIncluded |
| Compliance With Backup Witholding | 1 | ComplianceWithBackupWitholding |
| Number Of Employees | 80 | NumberOfEmployees |
| Employment Tax Returns Filed | 1 | EmploymentTaxReturnsFiled |
| Unrelated Business Income | 1 | UnrelatedBusinessIncome |
| Form990-T Filed | 0 | 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 | 5 | NbrVotingGoverningBodyMembers |
| Number Independent Voting Members | 5 | 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 | 1 | Form990ProvidedToGoverningBody |
| Conflict Of Interest Policy | 1 | ConflictOfInterestPolicy |
| Annual Disclosure Covered Persons | 1 | AnnualDisclosureCoveredPersons |
| Regular Monitoring Enforcement | 0 | RegularMonitoringEnforcement |
| 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 | David O Brock | NamePerson |
| Telephone Number | 3216902328 | TelephoneNumber |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1030 S US Hwy 1 | AddressLine1 |
| City | Rockledge | City |
| State | FL | State |
| ZIP Code | 32955 | ZIPCode |
Form990 Part VII Section A Form990PartVIISectionA (12 entries)
| TitleTitle | Average Hours Per WeekAverageHoursPerWeek | Individual Trustee Or DirectorIndividualTrusteeOrDirector | Reportable Comp From OrganizationReportableCompFromOrganization | Reportable Comp From Related OrgsReportableCompFromRelatedOrgs | Other CompensationOtherCompensation | Key EmployeeKeyEmployee | Highest Compensated EmployeeHighestCompensatedEmployee |
|---|---|---|---|---|---|---|---|
| Henry Kelley | |||||||
| Chairman of the Board of Directors | 0 | X | 0 | 0 | 0 | ||
| Dortha Everhart | |||||||
| Vice Chairman of the Board of Directors | 0 | X | 0 | 0 | 0 | ||
| Linda Dale | |||||||
| Secretary/Treasurer of Board | 0 | X | 0 | 0 | 0 | ||
| James Platman | |||||||
| Director | 0 | X | 0 | 0 | 0 | ||
| Betty Dunn | |||||||
| Director | 0 | X | 0 | 0 | 0 | ||
| David O Brock | |||||||
| President/CEO | 50 | 305833 | 18995 | 0 | X | X | |
| Sara Stern | |||||||
| VP of Marketing | 50 | 77265 | 16901 | 0 | X | ||
| Laurie Cappelli | |||||||
| SVP of Lending | 50 | 115140 | 13156 | 0 | X | ||
| James Chastain | |||||||
| VP of Commercial Services | 50 | 90205 | 11350 | 0 | X | ||
| Lesli Dooley | |||||||
| VP of Organizational Development | 50 | 90835 | 16797 | 0 | X | ||
| Susie LeBouef | |||||||
| VP of Accounting & Finance | 50 | 81769 | 13126 | 0 | X | ||
| Robert Phillips | |||||||
| VP of Information Technology | 50 | 84970 | 22401 | 0 | X | ||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 846017 | TotalReportableCompFromOrg |
| Total Reportable Comp Frm Rltd Orgs | 112726 | TotalReportableCompFrmRltdOrgs |
| Total Other Compensation | 0 | TotalOtherCompensation |
| Number Individuals GT100 K | 2 | 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 |
|---|---|---|---|---|---|
| Health First Health Plans | |||||
| PO Box 91-5626 | Orlando | FL | 32891 | Health Benefits for employees | 402157 |
| Fiserv Solutions | |||||
| PO Box 6000 | San Francisco | CA | 94160 | debit card maintenance, etc. | 341833 |
| Digitisl Insight | |||||
| PO Box 515306 | Los Angeles | CA | 90051 | online banking servoces | 231016 |
| Fiserv | |||||
| 75 Remittance Dr Ste 6974 | Chicago | IL | 60675 | data processor | 171364 |
| Cuna | |||||
| PO Box 2964 | Milwaukee | WI | 53201 | Liabilty Ins, etc | 128952 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Number Of Contractors GT100 K | 0 | NumberOfContractorsGT100K |
| Federated Campaigns | 0 | FederatedCampaigns |
| Membership Dues | 0 | MembershipDues |
| Fundraising Events | 0 | FundraisingEvents |
| Related Organizations | 0 | RelatedOrganizations |
| Government Grants | 0 | GovernmentGrants |
| All Other Contributions | 0 | AllOtherContributions |
| Noncash Contributions | 0 | NoncashContributions |
| Total Contributions | 0 | TotalContributions |
Program Service Revenue ProgramServiceRevenue (3 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome | Unrelated Business RevenueUnrelatedBusinessRevenue | ExclusionExclusionAmount |
|---|---|---|---|---|---|
| Interest Income | 522130 | 18249349 | 18249349 | 0 | $0 |
| Fee Income | 522130 | 4013530 | 3818135 | 195395 | $0 |
| Misc Income | 522130 | 1703147 | 1691107 | 12040 | $0 |
Total Oth Program Service Revenue TotalOthProgramServiceRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 0 | TotalRevenueColumn |
| Related Or Exempt Function Income | 0 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 0 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | 23966026 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 278463 | TotalRevenueColumn |
| Related Or Exempt Function Income | 278463 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 0 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
Income From Invest Bond Proceeds IncomeFromInvestBondProceeds
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 0 | TotalRevenueColumn |
| Related Or Exempt Function Income | 0 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 0 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
Royalties Revenue RoyaltiesRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 0 | TotalRevenueColumn |
| Related Or Exempt Function Income | 0 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 0 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
Gross Rents GrossRents
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 0 | Real |
| Personal | 0 | Personal |
Less Rental Expenses LessRentalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 0 | Real |
| Personal | 0 | Personal |
Rental Income Or Loss RentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 0 | Real |
| Personal | 0 | Personal |
Net Rental Income Or Loss NetRentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 0 | TotalRevenueColumn |
| Related Or Exempt Function Income | 0 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 0 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
Gross Amount Sales Assets GrossAmountSalesAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 0 | Securities |
| Other | 0 | Other |
Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 0 | Securities |
| Other | 0 | Other |
Gain Or Loss GainOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 0 | Securities |
| Other | 0 | Other |
Net Gain Or Loss Investments NetGainOrLossInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 0 | TotalRevenueColumn |
| Related Or Exempt Function Income | 0 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 0 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Income Fundraising Events | 0 | GrossIncomeFundraisingEvents |
| Cntrbtns Rprtd Fundraising Events | 0 | CntrbtnsRprtdFundraisingEvents |
| Fundraising Direct Expenses | 0 | FundraisingDirectExpenses |
Net Income From Fundraising Events NetIncomeFromFundraisingEvents
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 0 | TotalRevenueColumn |
| Unrelated Business Revenue | 0 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Income Gaming | 0 | GrossIncomeGaming |
| Gaming Direct Expenses | 0 | GamingDirectExpenses |
Net Income From Gaming NetIncomeFromGaming
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 0 | TotalRevenueColumn |
| Related Or Exempt Function Income | 0 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 0 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Sales Of Inventory | -193645 | GrossSalesOfInventory |
| Cost Of Goods Sold | 0 | CostOfGoodsSold |
Net Income Or Loss NetIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | -193645 | TotalRevenueColumn |
| Related Or Exempt Function Income | -193645 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 0 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Other Revenue | 0 | TotalOtherRevenue |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 24050844 | TotalRevenueColumn |
| Related Or Exempt Function Income | 23843409 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 207435 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
Grants To Domestic Orgs GrantsToDomesticOrgs
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 37746 | Total |
| Program Services | 37746 | ProgramServices |
Grants To Domestic Individuals GrantsToDomesticIndividuals
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
| Program Services | 0 | ProgramServices |
Foreign Grants ForeignGrants
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
| Program Services | 0 | ProgramServices |
Benefits To Members BenefitsToMembers
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
| Program Services | 0 | ProgramServices |
Comp Current Officers Directors CompCurrentOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 958750 | Total |
| Program Services | 958750 | ProgramServices |
Comp Disqual Persons CompDisqualPersons
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
| Program Services | 0 | ProgramServices |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2966828 | Total |
| Program Services | 2966828 | ProgramServices |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 86796 | Total |
| Program Services | 86796 | ProgramServices |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 674229 | Total |
| Program Services | 674229 | ProgramServices |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 314713 | Total |
| Program Services | 314713 | ProgramServices |
Fees For Services Management FeesForServicesManagement
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 29425 | Total |
| Program Services | 29425 | ProgramServices |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 518457 | Total |
| Program Services | 518457 | ProgramServices |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 153154 | Total |
| Program Services | 153154 | ProgramServices |
Fees For Services Lobbying FeesForServicesLobbying
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
| Program Services | 0 | ProgramServices |
Fees For Services Prof Fundraising FeesForServicesProfFundraising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
| Fundraising | 0 | Fundraising |
Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1200 | Total |
| Program Services | 1200 | ProgramServices |
Fees For Services Other FeesForServicesOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 25700 | Total |
| Program Services | 25700 | ProgramServices |
Advertising Advertising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 192128 | Total |
| Program Services | 192128 | ProgramServices |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 958652 | Total |
| Program Services | 958652 | ProgramServices |
Information Technology InformationTechnology
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 443822 | Total |
| Program Services | 443822 | ProgramServices |
Royalties Royalties
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
| Program Services | 0 | ProgramServices |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 558552 | Total |
| Program Services | 558552 | ProgramServices |
Travel Travel
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 32352 | Total |
| Program Services | 32352 | ProgramServices |
Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
| Program Services | 0 | ProgramServices |
Conferences Meetings ConferencesMeetings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 54016 | Total |
| Program Services | 54016 | ProgramServices |
Interest Interest
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2710730 | Total |
| Program Services | 2710730 | ProgramServices |
Payments To Affiliates PaymentsToAffiliates
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 52565 | Total |
| Program Services | 52565 | ProgramServices |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 581363 | Total |
| Program Services | 581363 | ProgramServices |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 129459 | Total |
| Program Services | 129459 | ProgramServices |
Other Expenses OtherExpenses (4 entries)
| DescriptionDescription | TotalTotal | Program ServicesProgramServices | Management And GeneralManagementAndGeneral | FundraisingFundraising |
|---|---|---|---|---|
| provission for Loan Loss | 7642533 | 7642533 | 0 | 0 |
| credit card expenses,atm, debit card | 1191973 | 1191973 | 0 | 0 |
| loan servicing | 329413 | 329413 | 0 | 0 |
| consulting | 132322 | 132322 | 0 | 0 |
All Other Expenses AllOtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1734225 | Total |
| Program Services | 1734225 | ProgramServices |
| Management And General | 0 | ManagementAndGeneral |
| Fundraising | 0 | Fundraising |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 22511103 | Total |
| Program Services | 22511103 | ProgramServices |
| Management And General | 0 | ManagementAndGeneral |
| Fundraising | 0 | Fundraising |
Cash Non Interest Bearing CashNonInterestBearing
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 3555246 | BOY |
| EOY | 2826437 | EOY |
Savings And Temp Cash Investments SavingsAndTempCashInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 51019809 | BOY |
| EOY | 77533927 | EOY |
Pledges And Grants Receivable PledgesAndGrantsReceivable
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | 0 | EOY |
Accounts Receivable AccountsReceivable
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | 0 | EOY |
Receivables From Officers Etc ReceivablesFromOfficersEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1863553 | BOY |
| EOY | 1511598 | EOY |
Receivables From Disqual Persons ReceivablesFromDisqualPersons
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | 0 | EOY |
Other Notes Loans Receivable Net OtherNotesLoansReceivableNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 265171710 | BOY |
| EOY | 259447138 | EOY |
Inventories For Sale Or Use InventoriesForSaleOrUse
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | 0 | EOY |
Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 5304061 | BOY |
| EOY | 9004479 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 16129489 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 7274136 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 9268720 | BOY |
| EOY | 8855353 | EOY |
Investments Pub Traded Securities InvestmentsPubTradedSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | 0 | EOY |
Investments Other Securities InvestmentsOtherSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 785176 | BOY |
| EOY | 787232 | EOY |
Investments Program Related InvestmentsProgramRelated
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | 0 | EOY |
Intangible Assets IntangibleAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | 0 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 336968275 | BOY |
| EOY | 359966164 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1858857 | BOY |
| EOY | 1662213 | EOY |
Grants Payable GrantsPayable
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Deferred Revenue DeferredRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Tax Exempt Bond Liabilities TaxExemptBondLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Escrow Account Liability EscrowAccountLiability
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Loans From Officers Directors LoansFromOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Unsecured Notes Loans Payable UnsecuredNotesLoansPayable
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 305478595 | BOY |
| EOY | 326855236 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 307337452 | BOY |
| EOY | 328517449 | 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 | 29630823 | BOY |
| EOY | 31448715 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 29630823 | BOY |
| EOY | 31448715 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 336968275 | BOY |
| EOY | 359966164 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | X | InfoInScheduleOPartXI |
| Reconcilation Revenue Expenses | 1539741 | ReconcilationRevenueExpenses |
| Reconcilation Other Changes | 278151 | 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) |
|---|---|---|
| Investment Cost Or Other Basis | 0 | InvestmentCostOrOtherBasis |
| Other Cost Or Other Basis | 3296641 | OtherCostOrOtherBasis |
| Book Value | 3296641 | BookValue |
Buildings Buildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | 0 | InvestmentCostOrOtherBasis |
| Other Cost Or Other Basis | 7116231 | OtherCostOrOtherBasis |
| Depreciation | 1939677 | Depreciation |
| Book Value | 5176554 | BookValue |
Leasehold Improvements LeaseholdImprovements
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | 0 | InvestmentCostOrOtherBasis |
| Other Cost Or Other Basis | 230249 | OtherCostOrOtherBasis |
| Depreciation | 212509 | Depreciation |
| Book Value | 17740 | BookValue |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | 0 | InvestmentCostOrOtherBasis |
| Other Cost Or Other Basis | 5486368 | OtherCostOrOtherBasis |
| Depreciation | 5121950 | Depreciation |
| Book Value | 364418 | BookValue |
Other Land Buildings OtherLandBuildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | 0 | InvestmentCostOrOtherBasis |
| Other Cost Or Other Basis | 0 | OtherCostOrOtherBasis |
| Depreciation | 0 | Depreciation |
| Book Value | 0 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 8855353 | TotalOfBookValueLandBuildings |
| Federal Income Tax Liability | 0 | FederalIncomeTaxLiability |
Other Liabilities OtherLiabilities (7 entries)
| DescriptionDescription | AmountAmount |
|---|---|
| premium savings & regular savings | $145,309,813 |
| share draft account | $43,852,705 |
| club accounts | $3,136,460 |
| business accounts | $12,152,236 |
| ira share accounts | $25,615,107 |
| CD & Ira CD accounts | $45,687,410 |
| money market accounts | $51,101,505 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 326855236 | TotalOfAmounts |
| Total Revenue | 24050844 | TotalRevenue |
| Total Expenses | 22511103 | TotalExpenses |
| Excess Or Deficit For Year | 1539741 | ExcessOrDeficitForYear |
| Net Unrealized GL On Investments | 0 | NetUnrealizedGLOnInvestments |
| Donated Services And Facilities | 0 | DonatedServicesAndFacilities |
| Investment Expenses | 0 | InvestmentExpenses |
| Prior Period Adjustments | 0 | PriorPeriodAdjustments |
| Other | $278,151 | OtherAmount |
| Total Adjustments | 278151 | TotalAdjustments |
| Excess Or Deficit Per FS | 1817892 | ExcessOrDeficitPerFS |
| Tot Revenue Etc Audited Fincl Stmt | 24418545 | TotRevenueEtcAuditedFinclStmt |
| Net Unrealized Gains Investments | 0 | NetUnrealizedGainsInvestments |
| Donated Srvc And Use Of Facilities | 0 | DonatedSrvcAndUseOfFacilities |
| Recoveries Of Prior Year Grants | 0 | RecoveriesOfPriorYearGrants |
| Other Revenues | 367701 | OtherRevenues |
| Revenue Not Rptd F990 | 367701 | RevenueNotRptdF990 |
| Revenue Subtotal | 24050844 | RevenueSubtotal |
| Investment Expenses Not Included | 0 | InvestmentExpensesNotIncluded |
| Other Revenues Not Included | 0 | OtherRevenuesNotIncluded |
| Revenue Not Rptd On Fin Stmt | 0 | RevenueNotRptdOnFinStmt |
| Total Revenue Per Form990 | 24050844 | TotalRevenuePerForm990 |
| Tot Expenses Etc Audited Fincl Stmt | 22878804 | TotExpensesEtcAuditedFinclStmt |
| Donated Services Use Of Facilities | 0 | DonatedServicesUseOfFacilities |
| Prior Year Adjustments | 0 | PriorYearAdjustments |
| Losses Reported | 0 | LossesReported |
| Other Expenses Included | 367701 | OtherExpensesIncluded |
| Expenses Not Rptd F990 | 367701 | ExpensesNotRptdF990 |
| Expenses Subtotal | 22511103 | ExpensesSubtotal |
| Investment Expenses Not Included2 | 0 | InvestmentExpensesNotIncluded2 |
| Other Expenses Not Included | 0 | OtherExpensesNotIncluded |
| Expenses Not Rptd On Fin Stmt | 0 | ExpensesNotRptdOnFinStmt |
| Total Expenses Per Form990 | 22511103 | TotalExpensesPerForm990 |
Form990 Schedule D Part XIV Form990ScheduleDPartXIV (3 entries)
| IdentifierIdentifier | Return ReferenceReturnReference | ExplanationExplanation |
|---|---|---|
| SchD_P11_S00_L08 | Schedule D, Part XI, Line 8 | Other comprehensive income - Actuarial gains on plan assets at $137,884; Reclassification adjustments - amortization of net gains at $138,908 and amortization of prior service costs at $1,359 |
| SchD_P12_S00_L02d | Schedule D, Part XII, Line 2d | We listed interest income net of the deferred rebates, while the auditors listed gross interest income. |
| SchD_P13_S00_L02d | Schedule D, Part XIII, Line 2d | We listed interest income net of the deferred rebates, while the auditors listed gross interest income. |
Schedule I IRS990ScheduleI
| Field | Value | IRS element (for citing) |
|---|---|---|
| Records Maintained | 1 | RecordsMaintained |
| No Grant More Than5000 | X | NoGrantMoreThan5000 |
Form990 Schedule I Part IV Form990ScheduleIPartIV
| Field | Value | IRS element (for citing) |
|---|---|---|
| Identifier | SchI_P01_S00_L02 | Identifier |
| Return Reference | Schedule I, Part I, Line 2 | ReturnReference |
| Explanation | The credit union donates funds to charitable organizations within our field of membership. The annual budgeting process is when the executive team looks at requests and finalizes the amount to be allocated for donations for the upcoming year. The CU donates for specific chritable events, with the check being submitted to the event representative. These funds are tracked on an annual basis by the marketing department. | Explanation |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | X | TravelForCompanions |
| Idemnification Gross Up Payments | X | IdemnificationGrossUpPayments |
| Written Policy Re T And E Expenses | 1 | WrittenPolicyReTAndEExpenses |
| Substantiation Required | 1 | SubstantiationRequired |
| Independent Consultant | X | IndependentConsultant |
| Written Employment Contract | X | WrittenEmploymentContract |
| Compensation Survey | X | CompensationSurvey |
| Board Or Committee Approval | X | BoardOrCommitteeApproval |
| Severance Payment | 0 | SeverancePayment |
| Supplemental Nonqual Retire Plan | 1 | SupplementalNonqualRetirePlan |
| Equity Based Comp Arrangement | 0 | EquityBasedCompArrangement |
Form990 Schedule J Part II Form990ScheduleJPartII
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Person | David O Brock | NamePerson |
| Base Compensation Filing Org | 223610 | BaseCompensationFilingOrg |
| Comp Based On Related Orgs | 0 | CompBasedOnRelatedOrgs |
| Bonus Filing Org | 3001 | BonusFilingOrg |
| Bonus Related Orgs | 0 | BonusRelatedOrgs |
| Other Compensation Filing Org | 6231 | OtherCompensationFilingOrg |
| Other Compensation Related Orgs | 0 | OtherCompensationRelatedOrgs |
| Deferred Comp Filing Org | 72807 | DeferredCompFilingOrg |
| Deferred Comp Related Orgs | 0 | DeferredCompRelatedOrgs |
| Nontaxable Benefits Filing Org | 18995 | NontaxableBenefitsFilingOrg |
| Nontaxable Benefits Related Orgs | 0 | NontaxableBenefitsRelatedOrgs |
| Total Compensation Filing Org | 324644 | TotalCompensationFilingOrg |
| Total Compensation Related Orgs | 0 | TotalCompensationRelatedOrgs |
| Comp Report Prior990 Filing Org | 0 | CompReportPrior990FilingOrg |
| Comp Report Prior990 Related Orgs | 0 | CompReportPrior990RelatedOrgs |
Form990 Schedule J Part III Form990ScheduleJPartIII (3 entries)
| IdentifierIdentifier | Return ReferenceReturnReference | ExplanationExplanation |
|---|---|---|
| SchJ_P01_S00_L01a | Schedule J, Part I, Line 1a | Travel for companions--The CEO received board approval for reimbursement of travel expenses for spouse when accompanying CEO on credit union travel. Indemnification and gross-up payments: in lieu of 401K plan that the CEO is not in. This is to replicate the tax advantages of a 401K. |
| SchJ_P01_S00_L03 | Schedule J, Part I, Line 3 | Board first conducts performance review. Compensation survey study is completed. Contract negotiations conducted between CEO and Board. Contract is drawn up, reviewed by legal, then approved and signed by the board. |
| SchJ_P01_S00_L04 | Schedule J, Part I, Line 4 | David Brock received $2,747.59 from his participation in a supplemental nonqualified retirement plan. |
Schedule L IRS990ScheduleL
Loan Table LoanTable (38 entries)
| Purpose Of LoanPurposeOfLoan | Loan From OrganizationLoanFromOrganization | Original PrincipalOriginalPrincipalAmount | Balance DueBalanceDue | DefaultDefault | Approved By BoardApprovedByBoard | Written AgreementWrittenAgreement |
|---|---|---|---|---|---|---|
| Sara Stern | ||||||
| home improvements | X | $60,000 | 48306 | 0 | 1 | 1 |
| Sara Stern | ||||||
| used car | X | $15,000 | 7883 | 0 | 1 | 1 |
| Laurie Cappelli | ||||||
| used car | X | $30,000 | 27609 | 0 | 1 | 1 |
| James Chastain | ||||||
| car | X | $21,000 | 16022 | 0 | 1 | 1 |
| Linda Dale | ||||||
| house | X | $105,000 | 95382 | 0 | 1 | 1 |
| Linda Dale | ||||||
| home improvements | X | $180,000 | 157563 | 0 | 1 | 1 |
| Linda Dale | ||||||
| credit card | X | $10,000 | 880 | 0 | 1 | 1 |
| Lesli Dooley | ||||||
| home improvement | X | $20,000 | 18416 | 0 | 1 | 1 |
| Lesli Dooley | ||||||
| car | X | $27,442 | 21357 | 0 | 1 | 1 |
| Betty Dunn | ||||||
| line of credit | X | $10,000 | 4809 | 0 | 1 | 1 |
| Betty Dunn | ||||||
| house | X | $128,000 | 83609 | 0 | 1 | 1 |
| Betty Dunn | ||||||
| mortgage | X | $533,980 | 510582 | 0 | 1 | 1 |
| Betty Dunn | ||||||
| 2nd mortgage | X | $78,000 | 69364 | 0 | 1 | 1 |
| Betty Dunn | ||||||
| home improvement | X | $52,000 | 50205 | 0 | 1 | 1 |
| Betty Dunn | ||||||
| line of credit | X | $10,000 | 5568 | 0 | 1 | 1 |
| Betty Dunn | ||||||
| car | X | $19,919 | 14753 | 0 | 1 | 1 |
| Dortha Everhart | ||||||
| home improvement | X | $30,000 | 27317 | 0 | 1 | 1 |
| Dortha Everhart | ||||||
| mortgage | X | $34,000 | 16374 | 0 | 1 | 1 |
| Dortha Everhart | ||||||
| credit card | X | $10,000 | 393 | 0 | 1 | 1 |
| Dortha Everhart | ||||||
| credit card | X | $8,000 | 945 | 0 | 1 | 1 |
| Henry Kelley | ||||||
| mortgage | X | $100,000 | 66454 | 0 | 1 | 1 |
| Henry Kelley | ||||||
| credit card | X | $3,000 | 545 | 0 | 1 | 1 |
| Susie LeBouef | ||||||
| mortgage | X | $78,400 | 68849 | 0 | 1 | 1 |
| Susie LeBouef | ||||||
| home improvement | X | $74,000 | 65329 | 0 | 1 | 1 |
| Susie LeBouef | ||||||
| other secured | X | $6,790 | 4996 | 0 | 1 | 1 |
| Susie LeBouef | ||||||
| car | X | $23,362 | 4710 | 0 | 1 | 1 |
| Susie LeBouef | ||||||
| car | X | $18,950 | 10820 | 0 | 1 | 1 |
| Susie LeBouef | ||||||
| credit card | X | $25,000 | 24848 | 0 | 1 | 1 |
| Linda Dale | ||||||
| business | X | $40,000 | 15600 | 0 | 1 | 1 |
| Linda Dale | ||||||
| credit card | X | $9,000 | 3168 | 0 | 1 | 1 |
| Linda Dale | ||||||
| credit card | X | $1,000 | 292 | 0 | 1 | 1 |
| Linda Dale | ||||||
| credit card | X | $10,000 | 880 | 0 | 1 | 1 |
| Robert Phillips | ||||||
| home improvement | X | $50,000 | 12794 | 0 | 1 | 1 |
| Robert Phillips | ||||||
| credit card | X | $5,200 | 1013 | 0 | 1 | 1 |
| James Platman | ||||||
| home improvement | X | $15,000 | 11562 | 0 | 1 | 1 |
| James Platman | ||||||
| credit card | X | $11,000 | 9977 | 0 | 1 | 1 |
| James Platman | ||||||
| credit card | X | $15,000 | 14958 | 0 | 1 | 1 |
| James Platman | ||||||
| car | X | $26,463 | 17466 | 0 | 1 | 1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Balance Due | 1511598 | TotalBalanceDue |
Schedule O IRS990ScheduleO
General Explanation GeneralExplanation (7 entries)
| IdentifierIdentifier | Return ReferenceReturnReference | ExplanationExplanation |
|---|---|---|
| F990_P05_S00_L03b | Form 990, Part V, Line 3b | extension was accepted. filing with 990 by august 15,2011. |
| F990_P06_S0A_L06 | Form 990, Part VI, Section A, Line 6 | Community Credit Union has 32,250 active members as of 12/31/2010 |
| F990_P06_S0A_L07a | Form 990, Part VI, Section A, Line 7a | membership participates in the election of the board members at the annual meeting held during the first quarter of ever year. |
| F990_P06_S0B_L11a | Form 990, Part VI, Section B, Line 11a | The 990 is presented to the Board of Directors during a "special session" of the monthly Board of Directors meeting. A copy of the completed from and schedule is given to each board member and the preparer of the form goes over the entire package page by page, answering any questions as they are presented. |
| F990_P06_S0B_L15 | Form 990, Part VI, Section B, Line 15 | The Board first conducts performance review. Compensation survey study is completed. Contract negotiations conducted between CEO and Board. Contract is drawn up, reviewed by legal, then approved and signed by the board. |
| F990_P06_S0C_L19 | Form 990, Part VI, Section C, Line 19 | Monthly Financial Statements are posted in the lobby of each branch. |
| F990_P11_S00_L05 | Form 990, Part XI, Line 5 | Change in accumulated other comprehensive - change in overfunding of defined benefits plan |
Reasonable Cause Explanation ReasonableCauseExplanation
| Field | Value | IRS element (for citing) |
|---|---|---|
| Explanation | Preparer has been going through gl conversion since Jan 1st. This project has been very time consuming. preparer will also need time to present the final 990 and 990T form to the Board of directors for approval before sending, which will be july21st. | Explanation |
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