Liabilities / Assets
8th percentile
Higher debt load relative to assets than 8% of similar nonprofits.
990 • Fiscal year 2015 • EIN 38-0480170
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
8th percentile
Higher debt load relative to assets than 8% of similar nonprofits.
Liabilities / Revenue
91st percentile
Higher debt load relative to revenue than 91% of similar nonprofits.
Net Margin
43rd percentile
Higher net margin than 43% of similar nonprofits.
Top Officer Pay
6th percentile
Higher top officer pay than 6% of similar nonprofits.
Top officer pay equals 1.5% of source-year revenue.
Asset Growth
3rd percentile
Faster asset growth than 3% of similar nonprofits.
Revenue Growth
26th percentile
Faster revenue growth than 26% of similar nonprofits.
Assets
Down$433,063,936
Down $10,783,159 (-2.4%) from 2014
Net Assets
Up$81,805,676
Up $5,688,297 (+7.5%) from 2014
Liabilities
Down$351,258,260
Down $16,471,456 (-4.5%) from 2014
Revenue
Up$13,929,483
Up $319,702 (+2.3%) from 2014
Expenses
Up$12,197,871
Up $179,086 (+1.5%) from 2014
Net Income
Up$1,731,612
Up $140,616 (+8.8%) from 2014
To provide friendly, personal, financial services in a professional atmosphere to all members.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments in Publicly Traded Securities | $278,557,108 | $260,607,125 | ▼ $17,949,983 |
| Other Notes and Loans Receivable, Net | $71,418,459 | $93,475,788 | ▲ $22,057,329 |
| Rtn Earn Endowment Incm Other Fnds | $76,117,379 | $81,805,676 | ▲ $5,688,297 |
| Savings and Temporary Cash Investments | $63,446,365 | $38,456,556 | ▼ $24,989,809 |
| Inventories for Sale or Use | $10,588,691 | $19,598,900 | ▲ $9,010,209 |
| Land, Buildings, and Equipment, Net | $6,545,963 | $6,172,166 | ▼ $373,797 |
| Cash and Non-Interest-Bearing Accounts | $2,668,035 | $2,386,529 | ▼ $281,506 |
| Prepaid Expenses and Deferred Charges | $1,497,095 | $2,336,868 | ▲ $839,773 |
| Investments Other Securities | $611,999 | $606,587 | ▼ $5,412 |
| Receivables From Officers Etc | $1,266,862 | $442,567 | ▼ $824,295 |
| Total Assets | $443,847,095 | $433,063,936 | ▼ $10,783,159 |
| Other Assets Total | $7,246,518 | $8,980,850 | ▲ $1,734,332 |
| Liabilities | |||
| Other Liabilities | $358,995,262 | $335,759,958 | ▼ $23,235,304 |
| Unsecured Notes Loans Payable | - | $10,328,967 | - |
| Accounts Payable and Accrued Expenses | $8,734,454 | $5,169,335 | ▼ $3,565,119 |
| Total Liabilities | $367,729,716 | $351,258,260 | ▼ $16,471,456 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $76,117,379 | $81,805,676 | ▲ $5,688,297 |
| Total Liabilities and Net Assets / Fund Balance | $443,847,095 | $433,063,936 | ▼ $10,783,159 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $4,357,804 | $3,792,787 | $8,150,591 |
| Equipment | $405,636 | $1,398,323 | $1,803,959 |
| Land | $1,408,726 | - | $1,408,726 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Kathie Trembath | CEO | FT | $202,386 | $202,386 |
| Kevin Finneran | Evp | FT | $130,992 | $130,992 |
| Name | Title |
|---|---|
| Albert Patrick Jr | Chairperson |
| Bruce Kennedy | Vicechairper |
| Andrew Pollock | Director |
| Carl Jarboe | Director |
| Janisse Green | Director |
| Robert Pontoo | Director |
| Virginia Sikora | Director |
| Richard Caretti | Director Eme |
| Frank Allen | Secretary |
| Pamela Scales | Treasurer |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Cu Answers | Comp Svc Bureau | 6000 28TH STREET SE, 6000 28TH STREET SE, Grand Rapids, MI 49546 | $501,127 |
| Co-op Financial Services | Cuso | 9692 HAVEN AVE, 9692 HAVEN AVE, Rancho Cucamonga, CA 91730 | $315,096 |
| Holzman Corkery Pllc | Legal,collect'n | 28366 FRANKLIN ROAD, 28366 FRANKLIN ROAD, Southfield, MI 48034 | $156,995 |
| Line Item | Amount |
|---|---|
| Other Expenses | $7,077,029 |
| Salaries, Compensation, and Employee Benefits | $5,120,842 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $2,306,136 |
| Interest | - | - | - | $1,591,435 |
| Pension Plan Contributions | - | - | - | $1,184,085 |
| Other Employee Benefits | - | - | - | $1,081,963 |
| Other Expenses | - | - | - | $699,300 |
| Advertising | - | - | - | $575,691 |
| Depreciation Depletion | - | - | - | $541,177 |
| Fees for Services Other | - | - | - | $535,967 |
| Occupancy | - | - | - | $425,080 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $333,378 |
| Travel | - | - | - | $258,935 |
| Office Expenses | - | - | - | $244,482 |
| Payroll Taxes | - | - | - | $215,280 |
| Fees for Services Accounting | - | - | - | $177,606 |
| Fees for Services Management | - | - | - | $83,519 |
| Insurance | - | - | - | $62,193 |
| Fees for Services Legal | - | - | - | $49,814 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $43,000 |
| Total Functional Expenses | $0 | $0 | $0 | $12,197,871 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $12,197,871 |
| Total Expenses per Audited Statements | $12,197,871 |
| Total Expenses per Form 990 | $12,197,871 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $1,266,862 | $442,567 | ▼ $824,295 |
| Liability | Amount |
|---|---|
| Regular Shares | $234,854,010 |
| Ira Accounts | $65,196,961 |
| Share Certificates | $19,907,355 |
| Draft & Christmas Club Accounts | $15,801,632 |
“A member must hold one (1) fully paid share (par value 5.00) and meet the requirements stated in the credit union's bylaws to retain membership.”
“The organization's members (shareholders) elect the organization's governing body (directors) annually in accordance with the credit union's bylaws.”
“Approval of the organization's members is required to change the credit union's bylaws.”
“No review was or will be conducted.”
“Officers, directors, & committee members are required to disclose annually interests that could give rise to conflicts.”
“The process for determining compensation of the ceo includes a review and approval by the board of directors, comparability data, and contemporaneous substantiation of the deliberation and decision.”
“The process for determining compensation of other employees includes a review and approval by the board of directors, comparability data, and contemporaneous substantiation of the deliberation and decision.”
“The bylaws and conflict of interest policy are available to the public upon request. The financial statements are posted in the credit union lobby on a monthly basis.”
“To provide friendly, personal, financial services in a professional atmosphere to all members.”
“Other comp inc - post retire emp ben 3,956,685 total 3,956,685”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 8734454 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 5169335 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE FRIENDLY, PERSONAL, FINANCIAL SERVICES IN A PROFESSIONAL ATMOSPHERE TO ALL MEMBERS. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 575691 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | KATHIE TREMBATH |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3135685000 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1480 EAST JEFFERSON AVENUE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | DETROIT |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 48207 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2668035 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2386529 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 3 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 333378 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 501127 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 315096 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 156995 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 6000 28TH STREET SE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | 9692 HAVEN AVE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | 28366 FRANKLIN ROAD |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt | 0 | 6000 28TH STREET SE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt | 1 | 9692 HAVEN AVE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt | 2 | 28366 FRANKLIN ROAD |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | GRAND RAPIDS |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | RANCHO CUCAMONGA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | SOUTHFIELD |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | MI |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 49546 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 91730 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 2 | 48034 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | CU ANSWERS |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | CO-OP FINANCIAL SERVICES |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 2 | HOLZMAN CORKERY PLLC |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine2Txt | 0 | CU ANSWERS |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine2Txt | 1 | CO-OP FINANCIAL SERVICES |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine2Txt | 2 | HOLZMAN CORKERY PLLC |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | COMP SVC BUREAU |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | CUSO |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | LEGAL,COLLECT'N |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 6652819 |
| IRS990/CYOtherExpensesAmt | 0 | 7077029 |
| IRS990/CYOtherRevenueAmt | 0 | 1918532 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 5358132 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1731612 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 5120842 |
| IRS990/CYTotalExpensesAmt | 0 | 12197871 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 13929483 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 541177 |
| IRS990/Desc | 0 | TO PROVIDE FRIENDLY, PERSONAL, FINANCIAL SERVICES IN A PROFESSIONAL ATMOSPHERE TO ALL MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 90 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 177606 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 49814 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 83519 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 535967 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 43000 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | RICHARD CARETTI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | ALBERT PATRICK JR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | FRANK ALLEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | PAMELA SCALES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | CARL JARBOE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | BRUCE KENNEDY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | ANDREW POLLOCK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | ROBERT PONTOO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | VIRGINIA SIKORA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | JANISSE GREEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | KATHIE TREMBATH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | KEVIN FINNERAN |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 202386 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 130992 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | DIRECTOR EME |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | VICECHAIRPER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | EVP |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1929 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 13929483 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | true |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 62193 |
| IRS990/InterestGrp/TotalAmt | 0 | 1591435 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 10588691 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 19598900 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 6652819 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 6652819 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 611999 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 606587 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 278557108 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 260607125 |
| IRS990/IRPDocumentCnt | 0 | 6981 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 5191110 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 6545963 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 6172166 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 11363276 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | TO PROVIDE FRIENDLY, PERSONAL, FINANCIAL SERVICES IN A PROFESSIONAL ATMOSPHERE TO ALL MEMBERS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 76117379 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 81805676 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 425080 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 244482 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 7246518 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 8980850 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 3956685 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 1081963 |
| IRS990/OtherExpensesGrp/Desc | 0 | ALL OTHER EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 1 | SVC CTR, ATM & SH DRAFTS |
| IRS990/OtherExpensesGrp/Desc | 2 | PROV FOR LOAN LOSSES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1078218 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 710612 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 699300 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 358995262 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 335759958 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | FEES & OTHER |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1918532 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 1918532 |
| IRS990/OtherRevenueTotalAmt | 0 | 1918532 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 2306136 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 71418459 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 93475788 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 215280 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 1184085 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 1497095 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 2336868 |
| IRS990/PrincipalOfficerNm | 0 | KATHIE TREMBATH |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 5358132 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 5358132 |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | TO PROVIDE FRIENDLY, PERSONAL, FINANCIAL SERVICES IN A PROFESSIONAL ATMOSPHERE TO ALL MEMBERS. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 6954381 |
| IRS990/PYOtherExpensesAmt | 0 | 7656036 |
| IRS990/PYOtherRevenueAmt | 0 | 1873838 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4781562 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1590996 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 4362749 |
| IRS990/PYTotalExpensesAmt | 0 | 12018785 |
| IRS990/PYTotalRevenueAmt | 0 | 13609781 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 1266862 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 442567 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1731612 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 76117379 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 81805676 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 63446365 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 38456556 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 4357804 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 3792787 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 8150591 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 405636 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1398323 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1803959 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 12197871 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1408726 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1408726 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 234854010 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 65196961 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 19907355 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 15801632 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | IRA ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | SHARE CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | DRAFT & CHRISTMAS CLUB ACCOUNTS |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 13929483 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 6172166 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 12197871 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 335759958 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 13929483 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 13929483 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 12197871 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 202386 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | KATHIE TREMBATH |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 202386 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 127515 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 92888 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 2 | 43528 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 3 | 42106 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 4 | 41865 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 5 | 24831 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 6 | 23824 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 7 | 17450 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 8 | 13125 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 9 | 8873 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 10 | 5916 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 11 | 646 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 3 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 4 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 5 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 6 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 7 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 8 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 9 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 10 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 11 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 2 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 3 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 4 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 5 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 6 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 7 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 8 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 9 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 10 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 11 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 2 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 3 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 4 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 5 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 6 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 7 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 8 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 9 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 10 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 11 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | REFINANCE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | HOME EQUITY LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 2 | BILL CONSOLIDATION |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 3 | TAXES |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 4 | BILL CONSOLIDATION |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 5 | CHARGE CARD |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 6 | CHARGE CARD |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 7 | TAXES |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 8 | TAXES |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 9 | BILL CONSOLIDATION |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 10 | CHARGE CARD |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 11 | CHARGE CARD |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 145000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 100000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 2 | 50000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 3 | 60000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 4 | 48000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 5 | 25000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 6 | 25000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 7 | 23894 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 8 | 16200 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 9 | 9100 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 10 | 7456 |
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Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.