Civic Intelligence

Credit Unions Chartered in the State of Michigan

EIN 38-0481580 • 501(c)14 • Lathrup Village, MI

View Organization Page

Profile

To be the only financial institution for our members.

27000 Evergreen RoadLathrup Village, MI 48076

www.michiganfirst.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

6th percentile

0.87x

Higher debt load relative to assets than 6% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

3rd percentile

9.33x

Higher debt load relative to revenue than 3% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

64th percentile

12%

Higher net margin than 64% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

14th percentile

-2.6%

Faster asset growth than 14% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

19th percentile

10%

Faster revenue growth than 19% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets6th percentile

Assets

Down

$1,471,891,427

Down $38,836,033 (-2.6%) from 2023

Liabilities

Down

$1,273,322,851

Down $57,517,296 (-4.3%) from 2023

Net Assets

Up

$198,568,576

Up $18,681,263 (+10%) from 2023

Operations
Liabilities / Revenue3rd percentileNet Margin64th percentile

Revenue

Up

$136,429,900

Up $12,799,720 (+10%) from 2023

Expenses

Up

$119,530,646

Up $13,327,594 (+13%) from 2023

Net Income

Down

$16,899,254

Down $527,874 (-3.0%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth14th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$2.0B$1.5B$1.0B$500M$0Assets 2010: $567,355,438Liabilities 2010: $487,503,964Net Assets 2010: $79,851,4742010Assets 2011: $598,531,338Liabilities 2011: $511,547,626Net Assets 2011: $86,983,7122011Assets 2012: $644,135,984Liabilities 2012: $551,515,982Net Assets 2012: $92,620,0022012Assets 2013: $674,476,530Liabilities 2013: $587,854,761Net Assets 2013: $86,621,7692013Assets 2014: $696,856,773Liabilities 2014: $594,601,074Net Assets 2014: $102,255,6992014Assets 2015: $763,789,784Liabilities 2015: $655,832,636Net Assets 2015: $107,957,1482015Assets 2016: $786,349,261Liabilities 2016: $671,832,045Net Assets 2016: $114,517,2162016Assets 2017: $867,109,061Liabilities 2017: $745,646,730Net Assets 2017: $121,462,3312017Assets 2018: $928,918,039Liabilities 2018: $801,528,523Net Assets 2018: $127,389,5162018Assets 2019: $984,034,285Liabilities 2019: $845,044,480Net Assets 2019: $138,989,8052019Assets 2020: $1,328,820,354Liabilities 2020: $1,175,208,315Net Assets 2020: $153,612,0392020Assets 2021: $1,483,110,437Liabilities 2021: $1,311,412,024Net Assets 2021: $171,698,4132021Assets 2022: $1,481,564,249Liabilities 2022: $1,322,753,368Net Assets 2022: $158,810,8812022Assets 2023: $1,510,727,460Liabilities 2023: $1,330,840,147Net Assets 2023: $179,887,3132023Assets 2024: $1,471,891,427Liabilities 2024: $1,273,322,851Net Assets 2024: $198,568,5762024

Highlighted filing

2024

Assets$1,471,891,427
Liabilities$1,273,322,851
Net Assets$198,568,576
Open 2024 Filing

Operations Trend

Revenue Growth19th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$150M$100M$50M$0Expenses 2010: $42,528,3982010Expenses 2011: $44,495,6502011Expenses 2012: $44,737,9752012Revenue 2013: $52,212,361Expenses 2013: $42,825,329Net Income 2013: $9,387,0322013Revenue 2014: $52,626,463Expenses 2014: $45,887,863Net Income 2014: $6,738,6002014Revenue 2015: $58,096,736Expenses 2015: $53,452,611Net Income 2015: $4,644,1252015Revenue 2016: $67,296,023Expenses 2016: $59,765,968Net Income 2016: $7,530,0552016Revenue 2017: $68,512,727Expenses 2017: $64,069,003Net Income 2017: $4,443,7242017Revenue 2018: $80,303,977Expenses 2018: $73,305,551Net Income 2018: $6,998,4262018Revenue 2019: $87,325,222Expenses 2019: $79,161,902Net Income 2019: $8,163,3202019Revenue 2020: $92,452,995Expenses 2020: $81,796,863Net Income 2020: $10,656,1322020Revenue 2021: $103,646,862Expenses 2021: $80,887,338Net Income 2021: $22,759,5242021Revenue 2022: $108,549,762Expenses 2022: $92,866,847Net Income 2022: $15,682,9152022Revenue 2023: $123,630,180Expenses 2023: $106,203,052Net Income 2023: $17,427,1282023Revenue 2024: $136,429,900Expenses 2024: $119,530,646Net Income 2024: $16,899,2542024

Highlighted filing

2024

Revenue$136,429,900
Expenses$119,530,646
Net Income$16,899,254
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,471,891,427
Liabilities
$1,273,322,851
Net assets
$198,568,576
Revenue
$136,429,900
Expenses
$119,530,646
Net income
$16,899,254
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,472$1,273$199$136$120$16.9
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,511$1,331$180$124$106$17.4
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,482$1,323$159$109$92.9$15.7
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,483$1,311$172$104$80.9$22.8
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,329$1,175$154$92.5$81.8$10.7
2019Summary only. Only limited summary data is available for this year.$984$845$139$87.3$79.2$8.16
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$929$802$127$80.3$73.3$7.00
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$867$746$121$68.5$64.1$4.44
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$786$672$115$67.3$59.8$7.53
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$764$656$108$58.1$53.5$4.64
2014Detailed filing. Detailed filing data is available for this year.$697$595$102$52.6$45.9$6.74
2013Detailed filing. Detailed filing data is available for this year.$674$588$86.6$52.2$42.8$9.39
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$644$552$92.6$44.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$599$512$87.0$44.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$567$488$79.9$42.5
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 30, 2025
Return Version
2024v5.2
Gross Receipts
$136,551,565
Mission and Program Overview

Mission

To be the only financial institution for our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,061,828,909$1,034,438,119▼ $27,390,790
Rtn Earn Endowment Incm Other Fnds$179,887,313$198,568,576▲ $18,681,263
Investments in Publicly Traded Securities$164,524,472$159,085,745▼ $5,438,727
Savings and Temporary Cash Investments$124,098,761$97,966,117▼ $26,132,644
Land, Buildings, and Equipment, Net$70,006,320$70,610,964▲ $604,644
Cash and Non-Interest-Bearing Accounts$17,906,946$22,479,791▲ $4,572,845
Receivables From Officers Etc$7,470,060$16,648,010▲ $9,177,950
Investments Other Securities$12,045,100$13,275,865▲ $1,230,765
Prepaid Expenses and Deferred Charges$2,994,149$4,440,179▲ $1,446,030
Accounts Receivable$3,836,191$1,023,848▼ $2,812,343
Intangible Assets$37,595$377,400▲ $339,805
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,510,727,460$1,471,891,427▼ $38,836,033
Other Assets Total$45,978,957$51,545,389▲ $5,566,432
Liabilities
Other Liabilities$1,047,723,818$1,059,194,660▲ $11,470,842
Mortgage Notes Payable Secured by Investment Property$250,000,000$180,000,000▼ $70,000,000
Accounts Payable and Accrued Expenses$31,677,700$32,515,840▲ $838,140
Escrow Account Liability$1,438,629$1,612,351▲ $173,722
Total Liabilities$1,330,840,147$1,273,322,851▼ $57,517,296
Net Assets / Fund Balance
Total Net Assets Fund Balance$179,887,313$198,568,576▲ $18,681,263
Total Liabilities and Net Assets / Fund Balance$1,510,727,460$1,471,891,427▼ $38,836,033

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$50,252,107$13,976,737$64,228,844
Equipment$9,961,479$31,819,267$41,780,746
Leasehold Improvements$3,374,341$8,712,910$12,087,251
Land$7,023,037-$7,023,037
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Susan PostemskiChief Data Analytics OfficFT$280,741$513,100$793,841
Jennifer BorowyChief Executive OfficerFT$602,299$113,917$716,216
Daniel SuggChief Mortgage OfficerFT$268,841$296,411$565,252
Patricia JonesChief Human Resources OffiFT$348,976$123,892$472,868
Gerald BettensChief Information OfficerFT$340,346$103,486$443,832
Jeff FitrzykChief Lending OfficerFT$308,320$92,299$400,619
Matthew WestMortgage Loan OfficerFT$98,073$300,146$398,219
Janet BardenChief Financial OfficerFT$302,856$82,652$385,508
Jennifer GlenfieldChief Marketing OfficerFT$310,384$67,089$377,473
Delonaka EdwardsChief Operations OfficerFT$271,571$33,261$304,832
Diego Arteaga ArcilaMortgage Loan OfficerFT$93,179$210,780$303,959
Brian MccownAvp, Mortgage OperationsFT$240,806$37,356$278,162
Larry RiceSr. Director of It Service DelFT$236,955$39,195$276,150
Andrew TowneMortgage Loan OfficerFT$94,490$132,624$227,114
Dongchan VuSr Software Engineering ManagerFT$189,974$28,775$218,749
Clifford MurrayAvp, Payment SolutionsFT$158,846$38,190$197,036

Board Members and Trustees

NameTitle
Linda HeightChairperson
Deirdre ScottVice Chairperson
David TurnerDirector
Donna VandervriesDirector
Ines De JesusDirector
Jalen JenningsDirector
Larry FreemanDirector
Nadine Tibbs-stallworthSecretary
Dandridge FloydTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
EtkinBldg Maintenance/ Property Management200 FRANKLIN CENTER 29100 NORTHWES, Southfield, MI 48034$2,522,948
Alimar Security INCSecurity Guards At Branches24870 FORTERRA, Warren, MI 48089$1,567,129
Trace3Phone & Netowrk Support And LicensingPO BOX 603915, Charlotte, NC 28260$1,542,428
Diebold Nixdorf INCAtm MachinesPO BOX 643543, Pittsburgh, PA 15264$1,133,859
Continental ServicesCatering & Food Services700 STEPHENSON HWY, Troy, MI 48083$971,179
Revenue and Support

Revenue Composition

Contributions and Grants
$4,017,957
Program Service Revenue
$92,658,787
Investment Income
$10,839,132
Other Revenue
$28,914,024
Change in Net Assets
$16,899,254
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$73,812,801
Salaries, Compensation, and Employee Benefits$45,584,845
Grants and Similar Amounts Paid$133,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$31,832,157
Interest---$17,451,300
All Other Expenses---$6,572,524
Depreciation Depletion---$6,180,894
Information Technology---$5,340,940
Current Officers, Directors, Trustees, and Key Employees---$5,014,753
Office Expenses---$4,889,385
Other Employee Benefits---$4,351,495
Occupancy---$3,632,458
Advertising---$3,630,883
Payroll Taxes---$2,715,536
Other Expenses---$2,020,773
Pension Plan Contributions---$1,670,904
Fees for Services Management---$1,364,980
Fees for Services Legal---$1,000,292
Travel---$461,471
Insurance---$241,912
Fees for Services Accounting---$118,102
Grants to Domestic Orgs---$105,000
Grants to Domestic Individuals---$28,000
Conferences and Meetings---$16,599
Fees for Services Other---$14,000
Total Functional Expenses$0$0$0$119,530,646
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Michigan First Foundation IncLathrup Village, MI501(c)(3)To Assist the Foundation in Supporting Community Agencies and Organizations and to Provide Scholarships to Students$105,000
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$7,470,060$16,648,010▲ $9,177,950
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$502,813,160
Share Drafts$249,554,857
Cd$155,081,792
Money Market$140,209,915
Ira Savings$9,848,338
Club Accounts$1,686,598
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 35% controlled entity
No
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All account holders are referred to as members.”

Form 990, Part VI, Section A, Line 7A

“There is an annual election in which the membership of the credit union elects the board of directors.”

Form 990, Part VI, Section A, Line 7B

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11B

“The cfo and accounting/finance manager are responsible for the completion and review of the form 990 before filing with the irs. The organization does not provide a copy of form 990 to the governing body prior to filing.”

Form 990, Part VI, Section B, Line 12C

“Any conflict of interest is reported to the ceo annually.”

Form 990, Part VI, Section B, Line 15

“Salary range review is periodically reviewed and evaluated through the engagement of an independent contractor. The last review was completed in 2024.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Michigan First Credit Union
EIN
38-0481580
Phone
8006643828
Address
27000 EVERGREEN ROAD, LATHRUP VILLAGE, MI 48076

Signing Officer

Name
Jennifer Borowy
Title
CEO
Phone
8006643828
Signed
2025-09-30

Organization Details

Principal Officer
Jennifer Borowy
Formed
1926
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
616
Volunteers
12

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 2

“A new loan was introduced in 2024- the minute money loan product. This is a short term, unsecured loan product for members.”

Form 990, Part IX, Line 24E

“Loan servicing 1,817,973. Miscellaneous 1,785,075. Security 1,709,827. Atm expenses 983,327. Fraud losses 129,668. Association dues 122,420. Ira admin fees 24,234.”

FORM 990, PART XI, LINE 9:

“Postretirement benefit plan: net gains/(losses) from changes in actuarial assumptions 176,428. Postretirement benefit plan: amortization of gains reclassified into earnings -421,487. Equity acquired in merger with teamsters credit union 912,633.”

FORM 990, PART XII, LINE 2C:

“A committee exists that assumes responsibility for the oversight of the audit of the annual financial statements and the selection of an independent accountant. The process has not changed from the prior year.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union collects (on a monthly basis) payment from members with mortgage loans outstanding. As stipulated by the agreement signed by both parties, the monthly payment for each member inlcudes principal, interest, and escrows. Escrows are used to pay taxes and insurance on the property.”

PART X, LINE 2:

“Income taxes the credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.”

Raw XML AppendixShowing 400 of 964 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt031677700
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt032515840
IRS990/AccountsReceivableGrp/BOYAmt03836191
IRS990/AccountsReceivableGrp/EOYAmt01023848
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO BE THE ONLY FINANCIAL INSTITUTION FOR OUR MEMBERS.
IRS990/AdvertisingGrp/TotalAmt03630883
IRS990/AllOtherExpensesGrp/TotalAmt06572524
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0JANET BARDEN
IRS990/BooksInCareOfDetail/PhoneNum02487276715
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt027000 EVERGREEN ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0LATHRUP VILLAGE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048076
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt017906946
IRS990/CashNonInterestBearingGrp/EOYAmt022479791
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt079
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt05014753
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt016599
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd01
IRS990/ContractorCompensationGrp/CompensationAmt02522948
IRS990/ContractorCompensationGrp/CompensationAmt11567129
IRS990/ContractorCompensationGrp/CompensationAmt21542428
IRS990/ContractorCompensationGrp/CompensationAmt31133859
IRS990/ContractorCompensationGrp/CompensationAmt4971179
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0200 FRANKLIN CENTER 29100 NORTHWES
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt124870 FORTERRA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2PO BOX 603915
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3PO BOX 643543
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt4700 STEPHENSON HWY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0SOUTHFIELD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1WARREN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2CHARLOTTE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3PITTSBURGH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4TROY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2NC
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3PA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd048034
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd148089
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd228260
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd448083
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0ETKIN
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1ALIMAR SECURITY INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2TRACE3
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3DIEBOLD NIXDORF INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4CONTINENTAL SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc0BLDG MAINTENANCE/ PROPERTY MANAGEMENT
IRS990/ContractorCompensationGrp/ServicesDesc1SECURITY GUARDS AT BRANCHES
IRS990/ContractorCompensationGrp/ServicesDesc2PHONE & NETOWRK SUPPORT AND LICENSING
IRS990/ContractorCompensationGrp/ServicesDesc3ATM MACHINES
IRS990/ContractorCompensationGrp/ServicesDesc4CATERING & FOOD SERVICES
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt04017957
IRS990/CYGrantsAndSimilarPaidAmt0133000
IRS990/CYInvestmentIncomeAmt010839132
IRS990/CYOtherExpensesAmt073812801
IRS990/CYOtherRevenueAmt028914024
IRS990/CYProgramServiceRevenueAmt092658787
IRS990/CYRevenuesLessExpensesAmt016899254
IRS990/CYSalariesCompEmpBnftPaidAmt045584845
IRS990/CYTotalExpensesAmt0119530646
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0136429900
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt06180894
IRS990/Desc0ORIGINATED $200 MILLION IN MORTGAGE LOANS DURING 2024.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd01
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0616
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt01438629
IRS990/EscrowAccountLiabilityGrp/EOYAmt01612351
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditPerformedInd01
IRS990/FederalGrantAuditRequiredInd01
IRS990/FeesForServicesAccountingGrp/TotalAmt0118102
IRS990/FeesForServicesLegalGrp/TotalAmt01000292
IRS990/FeesForServicesManagementGrp/TotalAmt01364980
IRS990/FeesForServicesOtherGrp/TotalAmt014000
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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