Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2015 • EIN 38-0480170

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 14, 2016

1480 East Jefferson AvenueDetroit, MI 48207

(313) 568-5000

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

8th percentile

0.81x

Higher debt load relative to assets than 8% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

91st percentile

25.22x

Higher debt load relative to revenue than 91% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

43rd percentile

12%

Higher net margin than 43% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

6th percentile

$202,386

Higher top officer pay than 6% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

3rd percentile

-2.4%

Faster asset growth than 3% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

26th percentile

2.3%

Faster revenue growth than 26% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

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

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$600M$400M$200M$0Assets 2010: $437,430,750Liabilities 2010: $372,222,399Net Assets 2010: $65,208,3512010Assets 2011: $458,316,198Liabilities 2011: $389,332,405Net Assets 2011: $68,983,7932011Assets 2012: $442,209,812Liabilities 2012: $369,505,486Net Assets 2012: $72,704,3262012Assets 2013: $459,416,776Liabilities 2013: $382,923,346Net Assets 2013: $76,493,4302013Assets 2014: $443,847,095Liabilities 2014: $367,729,716Net Assets 2014: $76,117,3792014Assets 2015: $433,063,936Liabilities 2015: $351,258,260Net Assets 2015: $81,805,6762015Assets 2016: $418,481,574Liabilities 2016: $335,103,468Net Assets 2016: $83,378,1062016Assets 2017: $411,926,048Liabilities 2017: $327,055,542Net Assets 2017: $84,870,5062017Assets 2018: $395,174,890Liabilities 2018: $313,985,813Net Assets 2018: $81,189,0772018Assets 2019: $398,925,871Liabilities 2019: $318,409,203Net Assets 2019: $80,516,6682019Assets 2020: $460,022,963Liabilities 2020: $377,928,943Net Assets 2020: $82,094,0202020Assets 2021: $516,558,136Liabilities 2021: $430,651,759Net Assets 2021: $85,906,3772021Assets 2022: $485,865,565Liabilities 2022: $414,205,521Net Assets 2022: $71,660,0442022Assets 2023: $480,989,264Liabilities 2023: $404,637,256Net Assets 2023: $76,352,0082023Assets 2024: $498,079,169Liabilities 2024: $418,037,972Net Assets 2024: $80,041,1972024

Highlighted filing

2015

Assets$433,063,936
Liabilities$351,258,260
Net Assets$81,805,676

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$40M$30M$20M$10M$0-$10MExpenses 2010: $14,200,9222010Expenses 2011: $12,534,4072011Revenue 2012: $14,274,025Expenses 2012: $10,481,385Net Income 2012: $3,792,6402012Revenue 2013: $14,270,833Expenses 2013: $11,342,847Net Income 2013: $2,927,9862013Revenue 2014: $13,609,781Expenses 2014: $12,018,785Net Income 2014: $1,590,9962014Revenue 2015: $13,929,483Expenses 2015: $12,197,871Net Income 2015: $1,731,6122015Revenue 2016: $14,560,919Expenses 2016: $13,216,651Net Income 2016: $1,344,2682016Revenue 2017: $15,490,287Expenses 2017: $13,700,315Net Income 2017: $1,789,9722017Revenue 2018: $17,727,752Expenses 2018: $15,724,360Net Income 2018: $2,003,3922018Revenue 2019: $18,402,260Expenses 2019: $17,227,482Net Income 2019: $1,174,7782019Revenue 2020: $18,122,153Expenses 2020: $16,622,227Net Income 2020: $1,499,9262020Revenue 2021: $18,643,457Expenses 2021: $16,785,083Net Income 2021: $1,858,3742021Revenue 2022: $22,003,363Expenses 2022: $20,349,378Net Income 2022: $1,653,9852022Revenue 2023: $16,731,816Expenses 2023: $25,889,308Net Income 2023: -$9,157,4922023Revenue 2024: $30,579,992Expenses 2024: $28,905,810Net Income 2024: $1,674,1822024

Highlighted filing

2015

Revenue$13,929,483
Expenses$12,197,871
Net Income$1,731,612
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 14, 2016
Return Version
2015v2.1
Gross Receipts
$13,929,483
Mission and Program Overview

Mission

To provide friendly, personal, financial services in a professional atmosphere to all members.

Balance Sheet Detail
LineBeginningEndChange
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 Categories

AssetBook ValueDepreciationBasis
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
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Kathie TrembathCEOFT$202,386$202,386
Kevin FinneranEvpFT$130,992$130,992

Board Members and Trustees

NameTitle
Albert Patrick JrChairperson
Bruce KennedyVicechairper
Andrew PollockDirector
Carl JarboeDirector
Janisse GreenDirector
Robert PontooDirector
Virginia SikoraDirector
Richard CarettiDirector Eme
Frank AllenSecretary
Pamela ScalesTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu AnswersComp Svc Bureau6000 28TH STREET SE, 6000 28TH STREET SE, Grand Rapids, MI 49546$501,127
Co-op Financial ServicesCuso9692 HAVEN AVE, 9692 HAVEN AVE, Rancho Cucamonga, CA 91730$315,096
Holzman Corkery PllcLegal,collect'n28366 FRANKLIN ROAD, 28366 FRANKLIN ROAD, Southfield, MI 48034$156,995
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,358,132
Investment Income
$6,652,819
Other Revenue
$1,918,532
Change in Net Assets
$1,731,612

Audited Revenue Reconciliation

Revenue per Audited Statements
$13,929,483
Total Revenue per Audited Statements
$13,929,483
Total Revenue per Form 990
$13,929,483
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
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

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
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

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$12,197,871
Total Expenses per Audited Statements$12,197,871
Total Expenses per Form 990$12,197,871
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,266,862$442,567▼ $824,295
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$234,854,010
Ira Accounts$65,196,961
Share Certificates$19,907,355
Draft & Christmas Club Accounts$15,801,632
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

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.

Form 990, Page 6, Part VI, Line 7A

The organization's members (shareholders) elect the organization's governing body (directors) annually in accordance with the credit union's bylaws.

Form 990, Page 6, Part VI, Line 7B

Approval of the organization's members is required to change the credit union's bylaws.

Form 990, Page 6, Part VI, Line 11B

No review was or will be conducted.

Form 990, Page 6, Part VI, Line 12C

Officers, directors, & committee members are required to disclose annually interests that could give rise to conflicts.

Form 990, Page 6, Part VI, Line 15A

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.

Form 990, Page 6, Part VI, Line 15B

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.

Form 990, Page 6, Part VI, Line 19

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.

Filing and Contact Details

Filer

Filer Name
Diversified Members Credit Union
EIN
38-0480170
Phone
3135685000
Address
1480 EAST JEFFERSON AVENUE, DETROIT, MI 48207

Signing Officer

Name
Kevin Finneran
Title
Evp
Phone
3135685000
Signed
2016-04-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kathie Trembath
Formed
1929
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
90

Preparer

Firm
Addison & Addison Pc
Address
20630 HARPER AVE STE 110, HARPER WOODS, MI 48225-1448
Preparer
John T Addison Ii
Phone
3138814181
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

To provide friendly, personal, financial services in a professional atmosphere to all members.

Form 990, Part XI, Line 9

Other comp inc - post retire emp ben 3,956,685 total 3,956,685

Raw XML AppendixShowing 400 of 534 raw XML fields

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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt08734454
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt05169335
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROVIDE FRIENDLY, PERSONAL, FINANCIAL SERVICES IN A PROFESSIONAL ATMOSPHERE TO ALL MEMBERS.
IRS990/AdvertisingGrp/TotalAmt0575691
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0KATHIE TREMBATH
IRS990/BooksInCareOfDetail/PhoneNum03135685000
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01480 EAST JEFFERSON AVENUE
IRS990/BooksInCareOfDetail/USAddress/CityNm0DETROIT
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048207
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt02668035
IRS990/CashNonInterestBearingGrp/EOYAmt02386529
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt03
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0333378
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0501127
IRS990/ContractorCompensationGrp/CompensationAmt1315096
IRS990/ContractorCompensationGrp/CompensationAmt2156995
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt06000 28TH STREET SE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt19692 HAVEN AVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt228366 FRANKLIN ROAD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt06000 28TH STREET SE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt19692 HAVEN AVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt228366 FRANKLIN ROAD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0GRAND RAPIDS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1RANCHO CUCAMONGA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2SOUTHFIELD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd049546
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd191730
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd248034
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CU ANSWERS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1CO-OP FINANCIAL SERVICES
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2HOLZMAN CORKERY PLLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine2Txt0CU ANSWERS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine2Txt1CO-OP FINANCIAL SERVICES
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine2Txt2HOLZMAN CORKERY PLLC
IRS990/ContractorCompensationGrp/ServicesDesc0COMP SVC BUREAU
IRS990/ContractorCompensationGrp/ServicesDesc1CUSO
IRS990/ContractorCompensationGrp/ServicesDesc2LEGAL,COLLECT'N
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt06652819
IRS990/CYOtherExpensesAmt07077029
IRS990/CYOtherRevenueAmt01918532
IRS990/CYProgramServiceRevenueAmt05358132
IRS990/CYRevenuesLessExpensesAmt01731612
IRS990/CYSalariesCompEmpBnftPaidAmt05120842
IRS990/CYTotalExpensesAmt012197871
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt013929483
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0541177
IRS990/Desc0TO PROVIDE FRIENDLY, PERSONAL, FINANCIAL SERVICES IN A PROFESSIONAL ATMOSPHERE TO ALL MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt090
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt0177606
IRS990/FeesForServicesLegalGrp/TotalAmt049814
IRS990/FeesForServicesManagementGrp/TotalAmt083519
IRS990/FeesForServicesOtherGrp/TotalAmt0535967
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt043000
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt92.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/PersonNm0RICHARD CARETTI
IRS990/Form990PartVIISectionAGrp/PersonNm1ALBERT PATRICK JR
IRS990/Form990PartVIISectionAGrp/PersonNm2FRANK ALLEN
IRS990/Form990PartVIISectionAGrp/PersonNm3PAMELA SCALES
IRS990/Form990PartVIISectionAGrp/PersonNm4CARL JARBOE
IRS990/Form990PartVIISectionAGrp/PersonNm5BRUCE KENNEDY
IRS990/Form990PartVIISectionAGrp/PersonNm6ANDREW POLLOCK
IRS990/Form990PartVIISectionAGrp/PersonNm7ROBERT PONTOO
IRS990/Form990PartVIISectionAGrp/PersonNm8VIRGINIA SIKORA
IRS990/Form990PartVIISectionAGrp/PersonNm9JANISSE GREEN
IRS990/Form990PartVIISectionAGrp/PersonNm10KATHIE TREMBATH
IRS990/Form990PartVIISectionAGrp/PersonNm11KEVIN FINNERAN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10202386
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11130992
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR EME
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICECHAIRPER
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11EVP
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01929
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt013929483
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt062193
IRS990/InterestGrp/TotalAmt01591435
IRS990/InventoriesForSaleOrUseGrp/BOYAmt010588691
IRS990/InventoriesForSaleOrUseGrp/EOYAmt019598900
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt06652819
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt06652819
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0611999
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0606587
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0278557108
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0260607125
IRS990/IRPDocumentCnt06981
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05191110
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06545963
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06172166
IRS990/LandBldgEquipCostOrOtherBssAmt011363276
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE FRIENDLY, PERSONAL, FINANCIAL SERVICES IN A PROFESSIONAL ATMOSPHERE TO ALL MEMBERS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt076117379
IRS990/NetAssetsOrFundBalancesEOYAmt081805676
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0425080
IRS990/OfficeExpensesGrp/TotalAmt0244482
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt07246518
IRS990/OtherAssetsTotalGrp/EOYAmt08980850
IRS990/OtherChangesInNetAssetsAmt03956685
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01081963
IRS990/OtherExpensesGrp/Desc0ALL OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc1SVC CTR, ATM & SH DRAFTS
IRS990/OtherExpensesGrp/Desc2PROV FOR LOAN LOSSES
IRS990/OtherExpensesGrp/TotalAmt01078218
IRS990/OtherExpensesGrp/TotalAmt1710612
IRS990/OtherExpensesGrp/TotalAmt2699300
IRS990/OtherLiabilitiesGrp/BOYAmt0358995262
IRS990/OtherLiabilitiesGrp/EOYAmt0335759958
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/Desc0FEES & OTHER
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01918532
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01918532
IRS990/OtherRevenueTotalAmt01918532
IRS990/OtherSalariesAndWagesGrp/TotalAmt02306136
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt071418459
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt093475788
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0215280
IRS990/PensionPlanContributionsGrp/TotalAmt01184085
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01497095
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02336868
IRS990/PrincipalOfficerNm0KATHIE TREMBATH
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05358132
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05358132
IRS990/ProgSrvcAccomActyOtherGrp/Desc0TO PROVIDE FRIENDLY, PERSONAL, FINANCIAL SERVICES IN A PROFESSIONAL ATMOSPHERE TO ALL MEMBERS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt06954381
IRS990/PYOtherExpensesAmt07656036
IRS990/PYOtherRevenueAmt01873838
IRS990/PYProgramServiceRevenueAmt04781562
IRS990/PYRevenuesLessExpensesAmt01590996
IRS990/PYSalariesCompEmpBnftPaidAmt04362749
IRS990/PYTotalExpensesAmt012018785
IRS990/PYTotalRevenueAmt013609781
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01266862
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0442567
IRS990/ReconcilationRevenueExpnssAmt01731612
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt076117379
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt081805676
IRS990/SavingsAndTempCashInvstGrp/BOYAmt063446365
IRS990/SavingsAndTempCashInvstGrp/EOYAmt038456556
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt04357804
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03792787
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08150591
IRS990ScheduleD/EquipmentGrp/BookValueAmt0405636
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01398323
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01803959
IRS990ScheduleD/ExpensesSubtotalAmt012197871
IRS990ScheduleD/LandGrp/BookValueAmt01408726
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01408726
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0234854010
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt165196961
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt219907355
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt315801632
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1IRA ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3DRAFT & CHRISTMAS CLUB ACCOUNTS
IRS990ScheduleD/RevenueSubtotalAmt013929483
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06172166
IRS990ScheduleD/TotalExpensesPerForm990Amt012197871
IRS990ScheduleD/TotalLiabilityAmt0335759958
IRS990ScheduleD/TotalRevenuePerForm990Amt013929483
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt013929483
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt012197871
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0202386
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KATHIE TREMBATH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0202386
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0127515
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt192888
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt243528
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt342106
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt441865
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt524831
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt623824
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt717450
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt813125
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt98873
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt105916
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11646
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd11false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0REFINANCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1HOME EQUITY LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2BILL CONSOLIDATION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3TAXES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4BILL CONSOLIDATION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5CHARGE CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6CHARGE CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7TAXES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8TAXES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9BILL CONSOLIDATION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10CHARGE CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11CHARGE CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0145000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1100000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt250000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt360000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt448000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt525000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt625000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt723894
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt816200
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt99100
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt107456

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$498$418$80.0$30.6$28.9$1.67
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$481$405$76.4$16.7$25.9$9.16
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$486$414$71.7$22.0$20.3$1.65
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$517$431$85.9$18.6$16.8$1.86
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$460$378$82.1$18.1$16.6$1.50
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$399$318$80.5$18.4$17.2$1.17
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$395$314$81.2$17.7$15.7$2.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$412$327$84.9$15.5$13.7$1.79
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$418$335$83.4$14.6$13.2$1.34
2015Detailed filing. Detailed filing data is available for this year.$433$351$81.8$13.9$12.2$1.73
2014Summary only. Only limited summary data is available for this year.$444$368$76.1$13.6$12.0$1.59
2013Detailed filing. Detailed filing data is available for this year.$459$383$76.5$14.3$11.3$2.93
2012Summary only. Only limited summary data is available for this year.$442$370$72.7$14.3$10.5$3.79
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$458$389$69.0$12.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$437$372$65.2$14.2