MYUSA CREDIT UNION INC: Form 990, tax year 2025
View the entire original 990 at ProPublica ↗
- Organization
- MYUSA CREDIT UNION INC (EIN 31-6023946)
- Tax period
- 2025-01-01 to 2025-12-31
- Filed
- 2026-05-15
- IRS object ID
- 202611359349302746
- Schema version
- 2025v4.0
- 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 | 2026-05-15T09:38:05-04:00 | ReturnTs |
| Tax Period End | 2025-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 994503147 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | WAVERLY BUSINESS SERVICES | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 6856 LOOP RD | AddressLine1Txt |
| City | DAYTON | CityNm |
| State Abbreviation | OH | StateAbbreviationCd |
| ZIP | 45459 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2025-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 316023946 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | MYUSA CREDIT UNION INC | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | MYUS | BusinessNameControlTxt |
| Phone | 5134208640 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 3600 TOWNE BLVD | AddressLine1Txt |
| City | MIDDLETOWN | CityNm |
| State Abbreviation | OH | StateAbbreviationCd |
| ZIP | 45005 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | JAMES MILES | PersonNm |
| Person Title | CEO | PersonTitleTxt |
| Phone | 5134208640 | PhoneNum |
| Signature | 2026-05-12 | SignatureDt |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | ERIN ALDERSON EA | PreparerPersonNm |
| PTIN | P01231640 | PTIN |
| Phone | 9374352742 | PhoneNum |
| Preparation | 2026-05-14 | PreparationDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2025 | TaxYr |
| Build TS | 2025-03-06 01:10:19Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Principal Officer | JAMES MILES | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 3600 TOWNE BLVD | AddressLine1Txt |
| City | MIDDLETOWN | CityNm |
| State Abbreviation | OH | StateAbbreviationCd |
| ZIP | 45005 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $19,836,686 | GrossReceiptsAmt |
| Group Return For Affiliates | false | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | WWW.MYUSACU.COM | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1934 | FormationYr |
| Activity Or Mission | PROVIDE FINANCIAL SERVICES TO MEMBERS. | ActivityOrMissionDesc |
| Voting Members Governing Body | 6 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 6 | VotingMembersIndependentCnt |
| Total Employee | 97 | TotalEmployeeCnt |
| Total Volunteers | 6 | TotalVolunteersCnt |
| Total Gross UBI | $32,978 | TotalGrossUBIAmt |
| CY Contributions Grants | $625,000 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $14,324,602 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $14,095,902 | CYProgramServiceRevenueAmt |
| PY Investment Income | $4,136,294 | PYInvestmentIncomeAmt |
| CY Investment Income | $5,115,784 | CYInvestmentIncomeAmt |
| CY Other Revenue | $0 | CYOtherRevenueAmt |
| PY Total Revenue | $18,460,896 | PYTotalRevenueAmt |
| CY Total Revenue | $19,836,686 | CYTotalRevenueAmt |
| CY Grants And Similar Paid | $0 | CYGrantsAndSimilarPaidAmt |
| PY Benefits Paid To Members | $3,232,064 | PYBenefitsPaidToMembersAmt |
| CY Benefits Paid To Members | $3,662,080 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $5,682,881 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $6,315,113 | CYSalariesCompEmpBnftPaidAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $8,767,183 | PYOtherExpensesAmt |
| CY Other Expenses | $7,253,203 | CYOtherExpensesAmt |
| PY Total Expenses | $17,682,128 | PYTotalExpensesAmt |
| CY Total Expenses | $17,230,396 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $778,768 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $2,606,290 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $329,590,644 | TotalAssetsBOYAmt |
| Total Assets EOY | $337,751,556 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $288,447,305 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $291,408,661 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $41,143,339 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $46,342,895 | NetAssetsOrFundBalancesEOYAmt |
| Mission | TO ASSIST MEMBER OWNERS IN GAINING PERSONAL FINANCIAL SUCCESS BY PROVIDING AND PROMOTING THE USE OF FINANCIAL SERVICES WHICH FEATURE BENEFITS AND ADVANTAGES OVER THOSE AVAILABLE FROM OTHER COMPETITIVE SOURCES. | MissionDesc |
| Significant New Program Srvc | false | SignificantNewProgramSrvcInd |
| Significant Change | false | SignificantChangeInd |
| Desc | DIVIDENDS AND INTEREST PAID TO MEMBERS ON APPROXIMATELY 43,374 DEPOSIT ACCOUNTS HELD BY APPROXIMATELY 18,242 MEMBERS. | Desc |
Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | DIRECT LABOR AND EMPLOYEE BENEFIT COSTS INCURRED PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS. | Desc |
Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | DATA PROCESSING COSTS INCURRED RECORDING MEMBER ACCOUNTS ACTIVITY AND PROVIDING ACCESS TO MEMBERS TO THEIR ACCOUNTS. | Desc |
| Field | Value | IRS element (for citing) |
|---|---|---|
| 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 | Yes (true) | 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 | Yes (true) | 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 | Yes (true) | ScheduleJRequiredInd |
| Tax Exempt Bonds | false | TaxExemptBondsInd |
| Loan Outstanding | Yes (true) | 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 | false | ScheduleORequiredInd |
| IRP Document | 3614 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (true) | BackupWthldComplianceInd |
| Employee | 97 | 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 |
| 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 | 6 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 6 | 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 | Yes (true) | LocalChaptersInd |
| Policies Reference Chapters | Yes (true) | PoliciesReferenceChaptersInd |
| Form990 Provided To Gvrn Body | Yes (true) | Form990ProvidedToGvrnBodyInd |
| Conflict Of Interest Policy | Yes (true) | ConflictOfInterestPolicyInd |
| Annual Disclosure Covered Prsn | Yes (true) | AnnualDisclosureCoveredPrsnInd |
| Regular Monitoring Enfrc | Yes (true) | RegularMonitoringEnfrcInd |
| Whistleblower Policy | Yes (true) | WhistleblowerPolicyInd |
| Document Retention Policy | Yes (true) | DocumentRetentionPolicyInd |
| Compensation Process CEO | Yes (true) | CompensationProcessCEOInd |
| Compensation Process Other | Yes (true) | 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 | SAMANTHA COFFIN | PersonNm |
| Phone | 5134205847 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 3600 TOWNE BOULEVARD | AddressLine1Txt |
| City | MIDDLETOWN | CityNm |
| State Abbreviation | OH | StateAbbreviationCd |
| ZIP | 45005 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (10 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | OfficerOfficerInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd |
|---|---|---|---|---|---|---|
| JAMES MILES | ||||||
| CEO | 40.00 | Yes (X) | $498,969 | $0 | $26,800 | |
| KENDRICK WALKER | ||||||
| VP MARKETING | 40.00 | Yes (X) | $133,990 | $0 | $24,890 | |
| JENNIFER TUCKER | ||||||
| VP OF ADMINI | 40.00 | Yes (X) | $119,298 | $0 | $24,296 | |
| MARGARET HALE | ||||||
| VP OPERATION | 40.00 | Yes (X) | $108,963 | $0 | $17,076 | |
| TYLER HENRY | ||||||
| DIRECTOR | 1.00 | $12,096 | $0 | $0 | Yes (X) | |
| CHRISTINA MCELFRESH | ||||||
| SECRETARY | 1.00 | Yes (X) | $12,096 | $0 | $0 | Yes (X) |
| KYLE MCGLONE | ||||||
| CHAIRMAN | 1.00 | Yes (X) | $12,096 | $0 | $0 | Yes (X) |
| CATHERINE MCMONIGLE | ||||||
| VICE CHAIRMA | 1.00 | Yes (X) | $12,096 | $0 | $0 | Yes (X) |
| DELVEN PORTER | ||||||
| DIRECTOR | 1.00 | $12,096 | $0 | $0 | Yes (X) | |
| RYAN ZARBAUGH | ||||||
| DIRECTOR | 1.00 | $5,041 | $0 | $0 | Yes (X) | |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $926,741 | TotalReportableCompFromOrgAmt |
| Total Other Compensation | $93,062 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 4 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | false | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (true) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | false | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp (5 entries)
| Address Line1ContractorAddress/USAddress/AddressLine1Txt | CityContractorAddress/USAddress/CityNm | State AbbreviationContractorAddress/USAddress/StateAbbreviationCd | ZIPContractorAddress/USAddress/ZIPCd | ServicesServicesDesc | CompensationCompensationAmt |
|---|---|---|---|---|---|
| BRACKETT BUILDERS INC | |||||
| 6640 RIVERSIDE DR STE 5500 | DUBLIN | OH | 43017 | CONSTRUCTION | $1,750,270 |
| ANTHEM BLUE CROSS BLUE SHIELD | |||||
| P O BOX 105673 | ATLANTA | GA | 30348 | HEALTH INS | $990,408 |
| CU ANSWERS | |||||
| 6000 28TH STREET SE SUITE 100 | GRAND RAPIDS | MI | 49546 | DATA PROCESSING | $827,339 |
| RJE BUSINESS INTERIORS | |||||
| 623 BROADWAY | CINCINNATI | OH | 45202 | DESIGN | $344,410 |
| FOUR SEASONS ENVIRONMENTAL | |||||
| 43 NEW GARVER RD | MONROE | OH | 45050 | OCCUPANCY | $212,893 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 5 | CntrctRcvdGreaterThan100KCnt |
| Government Grants | $625,000 | GovernmentGrantsAmt |
| Total Contributions | $625,000 | TotalContributionsAmt |
Program Service Revenue ProgramServiceRevenueGrp (5 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt | ExclusionExclusionAmt | Unrelated Business RevenueUnrelatedBusinessRevenueAmt |
|---|---|---|---|---|---|
| INTEREST INCOME | 522100 | $10,626,836 | $10,626,836 | ||
| OTHER OPERATING INCOME | 522100 | $1,700,843 | $1,700,843 | ||
| FEES & COMMISSIONS | 522100 | $1,528,350 | $1,528,350 | ||
| RENTAL INCOME | 531120 | $206,895 | $206,895 | ||
| NON-MEMBER ATM FEES | 900099 | $32,978 | $32,978 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $14,095,902 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $5,115,784 | TotalRevenueColumnAmt |
| Exclusion | $5,115,784 | ExclusionAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $19,836,686 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $13,856,029 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $32,978 | UnrelatedBusinessRevenueAmt |
| Exclusion | $5,322,679 | ExclusionAmt |
Benefits To Members BenefitsToMembersGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,662,080 | TotalAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $926,741 | TotalAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,838,410 | TotalAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $298,396 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $913,355 | TotalAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $338,211 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $61,775 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $205,104 | TotalAmt |
Fees For Services Other FeesForServicesOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $912,228 | TotalAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $846,437 | TotalAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,141,915 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $837,492 | TotalAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $40,619 | TotalAmt |
Conferences Meetings ConferencesMeetingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $150,024 | TotalAmt |
Interest InterestGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $969 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $352,893 | TotalAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt |
|---|---|
| ATM EXPENSES | $933,279 |
| LOAN SERVICING | $696,302 |
| CORE DATA PROCESSING | $423,386 |
| MISC OPERATING EXPENSES | $272,605 |
All Other Expenses AllOtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $378,175 | TotalAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $17,230,396 | TotalAmt |
| Program Services | $0 | ProgramServicesAmt |
| Management And General | $0 | ManagementAndGeneralAmt |
| Fundraising | $0 | FundraisingAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,650,078 | BOYAmt |
| EOY | $1,682,586 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $45,996,541 | BOYAmt |
| EOY | $50,321,738 | EOYAmt |
Receivables From Officers Etc ReceivablesFromOfficersEtcGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $275,000 | BOYAmt |
| EOY | $296,356 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $188,898,186 | BOYAmt |
| EOY | $173,819,534 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $23,245,650 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $14,041,576 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $6,614,785 | BOYAmt |
| EOY | $9,204,074 | EOYAmt |
Investments Other Securities InvestmentsOtherSecuritiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $78,942,828 | BOYAmt |
| EOY | $93,982,924 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $7,213,226 | BOYAmt |
| EOY | $8,444,344 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $329,590,644 | BOYAmt |
| EOY | $337,751,556 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $5,826,097 | BOYAmt |
| EOY | $944,679 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $282,621,208 | BOYAmt |
| EOY | $290,463,982 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $288,447,305 | BOYAmt |
| EOY | $291,408,661 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Org Does Not Follow FASB117 | Yes (X) | OrgDoesNotFollowFASB117Ind |
Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $41,143,339 | BOYAmt |
| EOY | $46,342,895 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $41,143,339 | BOYAmt |
| EOY | $46,342,895 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $329,590,644 | BOYAmt |
| EOY | $337,751,556 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expnss | $2,606,290 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | $2,280,043 | NetUnrlzdGainsLossesInvstAmt |
| Prior Period Adjustments | $313,223 | PriorPeriodAdjustmentsAmt |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | false | AccountantCompileOrReviewInd |
| FS Audited | Yes (true) | FSAuditedInd |
FS Audited Basis FSAuditedBasisGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Separate Basis Fincl Stmt | Yes (X) | SeparateBasisFinclStmtInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | Yes (true) | AuditCommitteeInd |
Schedule D IRS990ScheduleD
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $1,093,900 | OtherCostOrOtherBasisAmt |
| Book Value | $1,093,900 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $15,994,151 | OtherCostOrOtherBasisAmt |
| Depreciation | $8,228,994 | DepreciationAmt |
| Book Value | $7,765,157 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $6,157,599 | OtherCostOrOtherBasisAmt |
| Depreciation | $5,812,582 | DepreciationAmt |
| Book Value | $345,017 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $9,204,074 | TotalBookValueLandBuildingsAmt |
Other Securities OtherSecuritiesGrp (4 entries)
| DescDesc | Book ValueBookValueAmt | Method ValuationMethodValuationCd |
|---|---|---|
| INVESTMENTS | $80,857,643 | F |
| CERTIFICATES OF DEPOSIT | $7,712,000 | F |
| OTHER INVESTMENTS | $3,453,815 | C |
| CORP CREDIT UNION INVESTMENTS | $1,959,466 | C |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Securities | $93,982,924 | TotalBookValueSecuritiesAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | MEMBER SHARES | Desc |
| Amt | $290,463,982 | Amt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $290,463,982 | TotalLiabilityAmt |
| Total Rev Etc Audited Fincl Stmt | $19,836,686 | TotalRevEtcAuditedFinclStmtAmt |
| Revenue Subtotal | $19,836,686 | RevenueSubtotalAmt |
| Total Revenue Per Form990 | $19,836,686 | TotalRevenuePerForm990Amt |
| Tot Expns Etc Audited Fincl Stmt | $17,230,396 | TotExpnsEtcAuditedFinclStmtAmt |
| Expenses Subtotal | $17,230,396 | ExpensesSubtotalAmt |
| Total Expenses Per Form990 | $17,230,396 | TotalExpensesPerForm990Amt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | Yes (X) | TravelForCompanionsInd |
| Discretionary Spending Acct | Yes (X) | DiscretionarySpendingAcctInd |
| Written Policy Ref T And E Expnss | Yes (true) | WrittenPolicyRefTAndEExpnssInd |
| Substantiation Required | Yes (true) | SubstantiationRequiredInd |
| Severance Payment | false | SeverancePaymentInd |
| Supplemental Nonqual Rtr Plan | false | SupplementalNonqualRtrPlanInd |
| Equity Based Comp Arrngm | false | EquityBasedCompArrngmInd |
Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (2 entries)
| TitleTitleTxt | Base Compensation Filing OrgBaseCompensationFilingOrgAmt | Other Compensation Filing OrgOtherCompensationFilingOrgAmt | Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt | Total Compensation Filing OrgTotalCompensationFilingOrgAmt |
|---|---|---|---|---|---|
| JAMES MILES | |||||
| CEO | $450,000 | $48,969 | $21,609 | $5,191 | $525,769 |
| KENDRICK WALKER | |||||
| VP MARKETING | $130,997 | $2,993 | $10,985 | $13,905 | $158,880 |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | SCHEDULE J, PART III | FormAndLineReferenceDesc |
| Explanation | THERE IS A SPLIT DOLLAR LIFE PLAN IN PLACE FOR JAMES MILES, THE CEO. | ExplanationTxt |
Schedule L IRS990ScheduleL
Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (8 entries)
| Loan PurposeLoanPurposeTxt | Loan From OrganizationLoanFromOrganizationInd | Original PrincipalOriginalPrincipalAmt | Balance DueBalanceDueAmt | DefaultDefaultInd | Board Or Committee ApprovalBoardOrCommitteeApprovalInd | Written AgreementWrittenAgreementInd |
|---|---|---|---|---|---|---|
| NOTE - KYLE MCGLONE | ||||||
| FM20 | Yes (X) | $125,800 | $102,659 | false | Yes (true) | Yes (true) |
| NOTE - RYAN ZARBOUGH | ||||||
| HELOC | Yes (X) | $70,000 | $65,439 | false | Yes (true) | Yes (true) |
| NOTE- KYLE MCGLONE | ||||||
| HELOC | Yes (X) | $59,000 | $53,639 | false | Yes (true) | Yes (true) |
| NOTE - CHRISTINA MCELFRESH | ||||||
| AUTO LOAN | Yes (X) | $37,000 | $37,000 | false | Yes (true) | Yes (true) |
| NOTE - RYAN ZARBAUGH | ||||||
| USED AUTO | Yes (X) | $46,559 | $16,223 | false | Yes (true) | Yes (true) |
| NOTE - RYAN ZARBOUGH | ||||||
| USED AUTO | Yes (X) | $22,665 | $11,170 | false | Yes (true) | Yes (true) |
| NOTE - KYLE MCGLONE | ||||||
| MC PLATINUM | Yes (X) | $9,618 | false | Yes (true) | Yes (true) | |
| NOTE - CHRISTINA MCELFRESH | ||||||
| MC PLATINUM | Yes (X) | $608 | false | Yes (true) | Yes (true) | |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Balance Due | $296,356 | TotalBalanceDueAmt |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (8 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990, PAGE 6, PART VI, LINE 6 | THE CREDIT UNION HAS APPROXIMATELY 18,242 MEMBER OWNERS. |
| FORM 990, PAGE 6, PART VI, LINE 7A | THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERS. EACH MEMBER HAS ONE VOTE REGARDLESS OF THE BALANCE IN THEIR ACCOUNT. |
| FORM 990, PAGE 6, PART VI, LINE 7B | CERTAIN TRANSACTIONS AND CHANGES TO THE CODE OF REGULATIONS ARE SUBJECT TO MEMBER APPROVAL. |
| FORM 990, PAGE 6, PART VI, LINE 11B | THE FORM 990 IS REVIEWED BY BOTH THE CEO AND THE VP OF FINANCE PRIOR TO FILING WITH THE IRS. |
| FORM 990, PAGE 6, PART VI, LINE 12C | THE QUESTIONNAIRE AND POLICY ARE REAFFIRMED ANNUALLY. THE QUESTIONNAIRE IS GIVEN TO THE BOARD OF DIRECTORS AND ALL EMPLOYEES. |
| FORM 990, PAGE 6, PART VI, LINE 15A | THE CEO'S COMPENSATION IS REVIEWED BY THE BOARD OF DIRECTORS ANNUALLY. THE BOARD USES A THIRD PARTY CONSULTANT TO REVIEW COMPARABLE SALARIES. |
| FORM 990, PAGE 6, PART VI, LINE 15B | OTHER OFFICERS' COMPENSATION IS REVIEWED AND SET BY THE CEO ANNUALLY WITHIN A BUDGET SET BY THE BOARD OF DIRECTORS. |
| FORM 990, PAGE 6, PART VI, LINE 19 | NO DOCUMENTS AVAILABLE TO THE PUBLIC |
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