Instep Credit Union
| Fiscal year | Revenue | Expenses | Net | Reserve mo. | Staff % |
|---|---|---|---|---|---|
| 2011 | 2,314,610 | 2,546,868 | −232,258 | 11.2 | 22% |
| 2012 | 2,342,526 | 2,203,235 | 139,291 | 13.7 | 26% |
| 2013 | 2,349,985 | 2,340,031 | 9,954 | 13.0 | 24% |
| 2014 | 2,337,126 | 2,418,713 | −81,587 | 12.1 | 23% |
| 2015 | 2,337,593 | 2,365,690 | −28,097 | 12.3 | 22% |
| 2016 | 2,387,980 | 2,136,246 | 251,734 | 15.0 | 25% |
| 2017 | 2,630,516 | 2,286,448 | 344,068 | 15.8 | 25% |
| 2018 | 2,959,239 | 2,751,962 | 207,277 | 14.0 | 22% |
| 2019 | 3,643,376 | 3,125,186 | 518,190 | 21.1 | 26% |
| 2020 | 4,143,620 | 2,968,375 | 1,175,245 | 27.0 | 30% |
| 2021 | 4,237,130 | 3,463,077 | 774,053 | 25.8 | 28% |
| 2022 | 4,296,522 | 3,923,876 | 372,646 | 23.9 | 27% |
In its most recent public year (2022), this organization brought in $372,646 more than it spent. Its reserves stood at about 23.9 months of spending, up from 11.2 in 2011. Staff pay was 27% of spending.
Reserve months = net assets ÷ average monthly spending; net assets count everything the organization owns beyond its debts — buildings and donor-restricted funds included, not just cash. Staff pay = salaries, wages, and officer compensation; it excludes benefits and payroll taxes. The IRS releases this data years after the fact — this organization's newest public year is 2022. Years refer to the calendar year in which the organization's fiscal year ended. Short-form filers do not publicly report donor-restricted balances or staffing costs. Source filings
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