Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2013 • EIN 38-0495567

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 15, 2014

Organization ProfileWWW.DCECU.ORG

View Organization Page

600 E Lyon RdMidland, MI 48640

(989) 835-7794

Siviq Scores

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

Liabilities / Assets

22nd percentile

0.88x

Higher debt load relative to assets than 22% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Liabilities / Revenue

94th percentile

35.03x

Higher debt load relative to revenue than 94% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Net Margin

9th percentile

10%

Higher net margin than 9% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Top Officer Pay

7th percentile

$398,764

Higher top officer pay than 7% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Asset Growth

2nd percentile

-2.3%

Faster asset growth than 2% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets22nd percentile

Assets

Down

$1,402,048,467

Down $33,059,493 (-2.3%) from 2012

Net Assets

Down

$164,351,019

Down $6,495,383 (-3.8%) from 2012

Liabilities

Down

$1,237,697,448

Down $26,564,110 (-2.1%) from 2012

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin9th percentile

Revenue

$35,328,712

No earlier filing loaded for comparison.

Expenses

Down

$31,763,525

Down $1,917,407 (-5.7%) from 2012

Net Income

$3,565,187

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $1,351,563,655Liabilities 2010: $1,196,055,813Net Assets 2010: $155,507,8422010Assets 2011: $1,398,438,374Liabilities 2011: $1,232,167,251Net Assets 2011: $166,271,1232011Assets 2012: $1,435,107,960Liabilities 2012: $1,264,261,558Net Assets 2012: $170,846,4022012Assets 2013: $1,402,048,467Liabilities 2013: $1,237,697,448Net Assets 2013: $164,351,0192013Assets 2014: $1,423,188,398Liabilities 2014: $1,254,496,438Net Assets 2014: $168,691,9602014Assets 2015: $1,465,106,905Liabilities 2015: $1,300,872,175Net Assets 2015: $164,234,7302015Assets 2016: $1,528,730,587Liabilities 2016: $1,364,412,308Net Assets 2016: $164,318,2792016Assets 2017: $1,638,260,455Liabilities 2017: $1,467,766,188Net Assets 2017: $170,494,2672017Assets 2018: $1,628,363,918Liabilities 2018: $1,457,927,510Net Assets 2018: $170,436,4082018Assets 2019: $1,766,989,635Liabilities 2019: $1,574,373,552Net Assets 2019: $192,616,0832019Assets 2020: $2,002,899,481Liabilities 2020: $1,782,599,587Net Assets 2020: $220,299,8942020Assets 2021: $2,159,950,542Liabilities 2021: $1,939,653,614Net Assets 2021: $220,296,9282021Assets 2022: $2,121,264,280Liabilities 2022: $1,970,508,155Net Assets 2022: $150,756,1252022Assets 2023: $2,201,196,958Liabilities 2023: $2,025,165,068Net Assets 2023: $176,031,8902023Assets 2024: $2,387,960,968Liabilities 2024: $2,197,364,883Net Assets 2024: $190,596,0852024

Highlighted filing

2013

Assets$1,402,048,467
Liabilities$1,237,697,448
Net Assets$164,351,019
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150M$100M$50M$0Expenses 2010: $40,094,7652010Expenses 2011: $36,364,6352011Expenses 2012: $33,680,9322012Revenue 2013: $35,328,712Expenses 2013: $31,763,525Net Income 2013: $3,565,1872013Revenue 2014: $32,313,002Expenses 2014: $30,440,732Net Income 2014: $1,872,2702014Revenue 2015: $32,544,391Expenses 2015: $31,871,472Net Income 2015: $672,9192015Revenue 2016: $34,367,892Expenses 2016: $33,802,029Net Income 2016: $565,8632016Revenue 2017: $38,524,736Expenses 2017: $37,211,070Net Income 2017: $1,313,6662017Revenue 2018: $50,585,364Expenses 2018: $44,534,393Net Income 2018: $6,050,9712018Revenue 2019: $61,566,808Expenses 2019: $52,893,869Net Income 2019: $8,672,9392019Revenue 2020: $59,900,559Expenses 2020: $53,004,907Net Income 2020: $6,895,6522020Revenue 2021: $56,115,396Expenses 2021: $42,689,928Net Income 2021: $13,425,4682021Revenue 2022: $64,943,643Expenses 2022: $52,576,897Net Income 2022: $12,366,7462022Revenue 2023: $89,429,197Expenses 2023: $88,565,249Net Income 2023: $863,9482023Revenue 2024: $117,116,968Expenses 2024: $110,668,603Net Income 2024: $6,448,3652024

Highlighted filing

2013

Revenue$35,328,712
Expenses$31,763,525
Net Income$3,565,187
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 15, 2014
Return Version
2013v3.0
Gross Receipts
$330,871,968
Mission and Program Overview

Mission

Dow chemical employees' credit union is a principles-based financial cooperative committed to exceptional service, convenience, value and security operating in accordance with the michigan credit union act.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$825,256,128$755,627,789▼ $69,628,339
Other Notes and Loans Receivable, Net$494,776,650$550,903,965▲ $56,127,315
Rtn Earn Endowment Incm Other Fnds$170,846,402$164,351,019▼ $6,495,383
Cash and Non-Interest-Bearing Accounts$72,535,666$55,585,151▼ $16,950,515
Land, Buildings, and Equipment, Net$8,842,462$10,066,048▲ $1,223,586
Prepaid Expenses and Deferred Charges$651,415$772,477▲ $121,062
Savings and Temporary Cash Investments$29,361$0▼ $29,361
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,435,107,960$1,402,048,467▼ $33,059,493
Other Assets Total$33,016,278$29,093,037▼ $3,923,241
Liabilities
Other Liabilities$1,203,120,989$1,181,287,642▼ $21,833,347
Mortgage Notes Payable Secured by Investment Property$38,000,000$34,000,000▼ $4,000,000
Accounts Payable and Accrued Expenses$23,140,569$22,409,806▼ $730,763
Total Liabilities$1,264,261,558$1,237,697,448▼ $26,564,110
Net Assets / Fund Balance
Total Net Assets Fund Balance$170,846,402$164,351,019▼ $6,495,383
Total Liabilities and Net Assets / Fund Balance$1,435,107,960$1,402,048,467▼ $33,059,493

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,708,455$4,492,033$11,200,488
Equipment$3,043,432$6,905,792$9,949,224
Land$314,161-$314,161
Other Securities$749,415,389--
Compensation and Service Providers
Top Officer Pay7th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dennis HansonPresident/CEOFT$258,254$140,510$398,764
Barbara JungaVice President of FinanceFT$192,674$113,158$305,832
Ken RoznowskiVice President of LendingFT$171,034$91,518$262,552
Arthur PetersVice President of Info TecFT$173,918$72,329$246,247
Sheila WrightDirector of Human ResourceFT$121,734$42,846$164,580
Lisa GrayDirector of Risk Mgt/complFT$112,079$42,383$154,462
Alison TaylorControllerFT$111,402$32,342$143,744
Susan ValleyOperations Mgr - EservicesFT$107,669$22,620$130,289
Carole DanielskiOperations MgrFT$105,998$19,564$125,562

Board Members and Trustees

NameTitle
Robert KasprzykChairman of the Board
Duncan StuartVice Chairman of the Board
Bill WeidemanDirector
Don MarcyDirector
Lisa MckenneyDirector
Mark FenskeDirector
Perry HolmonDirector
Michael KappSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Secure EnclosuresEnclosures For Atm's-$172,480
Doeren MayhewAudit & Consulting-$118,662
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$21,274,294
Investment Income
$13,127,870
Other Revenue
$926,548
Change in Net Assets
$3,565,187

Audited Revenue Reconciliation

Revenue per Audited Statements
$35,328,712
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$35,328,712
Total Revenue per Form 990
$35,328,712
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,169,230
Salaries, Compensation, and Employee Benefits$9,594,295
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$10,201,342
Other Salaries and Wages---$5,528,870
All Other Expenses---$2,916,040
Current Officers, Directors, Trustees, and Key Employees---$1,508,264
Pension Plan Contributions---$1,261,514
Depreciation Depletion---$870,132
Advertising---$828,711
Information Technology---$820,453
Other Employee Benefits---$729,704
Other Expenses---$706,228
Payroll Taxes---$565,943
Occupancy---$548,189
Office Expenses---$241,813
Fees for Services Accounting---$144,277
Insurance---$58,212
Fees for Services Other---$32,325
Fees for Services Legal---$31,635
Total Functional Expenses$0$0$0$31,763,525

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$31,763,525
Total Expenses per Audited Statements$31,763,525
Total Expenses per Form 990$31,763,525
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Share Accounts$977,768,064
Cd$196,525,703
Ira$6,750,800
Hsa$243,075
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, Part VI, Section A, Line 6

“Any individual that has an account with the credit union is a member.”

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

“The credit union is member owned and each member is able to elect the volunteer board of directors.”

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

“There are certain requirements of the michigan credit union act that require a vote of the membership. Normal course of business does not require member approval.”

Form 990, Part VI, Section B, Line 11

“A copy of the 990 will be reviewed with the supervisory committee chairman before it is filed.”

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

“On an annual basis, all employees receive training to review the standards of conduct policy and all employees are asked to sign a statement disclosing any potential conflicts of interest. The supervisory committee chairman and an officer review any disclosures and take applicable or appropriate action. The board and committee volunteers are also asked to review the policy on an annual basis and to sign the disclosure statement.”

Form 990, Part VI, Section B, Line 15

“The payroll information was obtained from staff within the human resources dept. And verified for accuracy by the human resources director. Four compensation best practices from form 990, schedule j, part 1, line 3 are employed for officers of dcecu.”

Form 990, Part VI, Section C, Line 19

“We post our monthly financials in the lobby and our annual report is on the website. Bylaws would be available to a member upon request. Board policies are not usually made available. If requested, we would explain the policy vs. Making copies available.”

Filing and Contact Details

Filer

EIN
38-0495567
Phone
9898357794

Signing Officer

Name
Dennis Hanson
Title
President/CEO
Phone
9898357794
Signed
2014-10-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dennis Hanson
Formed
1937
Legal Domicile
Mi
Voting Board Members
8
Independent Board Members
8
Employees
166
Volunteers
15

Preparer

Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net change in unrealized losses on postretirement benefit obligations 1,952,068.”

Form 990, Part XI, Line 2C

“The process that the committee goes through for assuming responsibility for the oversight of the audit of the financial statements has not changed from the prior year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute (irc section 501(c)(14)), from federal income taxes and michigan business tax. The credit union is a state-chartered credit union described in internal revenue code ("irc") section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. Many states have similar laws. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been an issue for many years. In 2007, the internal revenue service ("irs") issued a series of technical advice memoranda ("tam") to a number of state-chartered credit unions located throughout the country. In these tams, the irs ruled certain products and services to be subject to taxation as unrelated business income. In light of the tams, the credit union has assessed its activities and any potential federal or state income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purpose is not expected to have a material effect on the credit union's financial condition or results of operation.”

Raw XML AppendixShowing 400 of 577 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/BOYAmt023140569
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt022409806
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0DOW CHEMICAL EMPLOYEES' CREDIT UNION IS A PRINCIPLES-BASED FINANCIAL COOPERATIVE COMMITTED TO EXCEPTIONAL SERVICE, CONVENIENCE, VALUE AND SECURITY OPERATING IN ACCORDANCE WITH THE MICHIGAN CREDIT UNION ACT.
IRS990/AdvertisingGrp/TotalAmt0828711
IRS990/AllOtherExpensesGrp/TotalAmt02916040
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine10BARBARA JUNGA VP OF FINANCE
IRS990/BooksInCareOfDetail/PhoneNum09898357794
IRS990/BooksInCareOfDetail/USAddress/AddressLine10600 E LYON ROAD
IRS990/BooksInCareOfDetail/USAddress/City0MIDLAND
IRS990/BooksInCareOfDetail/USAddress/State0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCode048640
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt072535666
IRS990/CashNonInterestBearingGrp/EOYAmt055585151
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01508264
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0172480
IRS990/ContractorCompensationGrp/CompensationAmt1118662
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine10611 136TH AVE SUITE 5
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine11305 W BIG BEAVER
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City0HOLLAND
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City1TROY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State0MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State1MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode049424
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode148084
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine10SECURE ENCLOSURES
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine11DOEREN MAYHEW
IRS990/ContractorCompensationGrp/ServicesDesc0ENCLOSURES FOR ATM'S
IRS990/ContractorCompensationGrp/ServicesDesc1AUDIT & CONSULTING
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt013127870
IRS990/CYOtherExpensesAmt022169230
IRS990/CYOtherRevenueAmt0926548
IRS990/CYProgramServiceRevenueAmt021274294
IRS990/CYRevenuesLessExpensesAmt03565187
IRS990/CYSalariesCompEmpBnftPaidAmt09594295
IRS990/CYTotalExpensesAmt031763525
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt035328712
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0870132
IRS990/Desc0DOW CHEMICAL EMPLOYEES' CREDIT UNION IS A MICHIGAN STATE CHARTERED CREDIT UNION PROVIDING APPROXIMATELY 56,000 MEMBERS WITH AFFORDABLE LOAN ACCOUNT SERVICES, SAVINGS, CHECKING ACCOUNTS, AND VARIOUS ELECTRONIC BASED SERVICES INCLUDING ATM ACCESS AND ONLINE BANKING. AS A COOPERATIVE FINANCIAL INSTITUTION WE STRIVE TO PROVIDE OUTSTANDING MEMBER VALUE AND ARE COMMITTED TO PROVIDING SERVICES AND SOLUTIONS THAT WILL IMPROVE OUR MEMBERS' FINANCIAL LIFE. WE OFFER LOWER RATES ON LOANS, HIGHER RATES ON DEPOSITS AND CHARGE VERY FEW/LOW SERVICE FEES. WE HAVE SERVED OUR MEMBERS FOR OVER 75 YEARS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0166
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0144277
IRS990/FeesForServicesLegalGrp/TotalAmt031635
IRS990/FeesForServicesOtherGrp/TotalAmt032325
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt04.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt14.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt24.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt34.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt44.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt54.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt64.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt74.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1640.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
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/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
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/OtherCompensationAmt852217
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt944602
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1039246
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1139188
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1234859
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1322620
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1434521
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1532342
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1619564
IRS990/Form990PartVIISectionAGrp/PersonNm0LISA MCKENNEY
IRS990/Form990PartVIISectionAGrp/PersonNm1PERRY HOLMON
IRS990/Form990PartVIISectionAGrp/PersonNm2DUNCAN STUART
IRS990/Form990PartVIISectionAGrp/PersonNm3MARK FENSKE
IRS990/Form990PartVIISectionAGrp/PersonNm4DON MARCY
IRS990/Form990PartVIISectionAGrp/PersonNm5BILL WEIDEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6MICHAEL KAPP
IRS990/Form990PartVIISectionAGrp/PersonNm7ROBERT KASPRZYK
IRS990/Form990PartVIISectionAGrp/PersonNm8DENNIS HANSON
IRS990/Form990PartVIISectionAGrp/PersonNm9BARBARA JUNGA
IRS990/Form990PartVIISectionAGrp/PersonNm10KEN ROZNOWSKI
IRS990/Form990PartVIISectionAGrp/PersonNm11ARTHUR PETERS
IRS990/Form990PartVIISectionAGrp/PersonNm12SHEILA WRIGHT
IRS990/Form990PartVIISectionAGrp/PersonNm13SUSAN VALLEY
IRS990/Form990PartVIISectionAGrp/PersonNm14LISA GRAY
IRS990/Form990PartVIISectionAGrp/PersonNm15ALISON TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm16CAROLE DANIELSKI
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/ReportableCompFromOrgAmt8346547
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9261230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10223306
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11207059
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12129721
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13107669
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14119941
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15111402
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16105998
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/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9VICE PRESIDENT OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE PRESIDENT OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE PRESIDENT OF INFO TEC
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR OF HUMAN RESOURCE
IRS990/Form990PartVIISectionAGrp/TitleTxt13OPERATIONS MGR - ESERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR OF RISK MGT/COMPL
IRS990/Form990PartVIISectionAGrp/TitleTxt15CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt16OPERATIONS MGR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01937
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-77525
IRS990/GainOrLossGrp/SecuritiesAmt01442180
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt01462308
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0295445603
IRS990/GrossReceiptsAmt0330871968
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0820453
IRS990/InsuranceGrp/TotalAmt058212
IRS990/InterestGrp/TotalAmt010201342
IRS990/InvestmentIncomeGrp/ExclusionAmt011763215
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt011763215
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0825256128
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0755627789
IRS990/IRPDocumentCnt032342
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt011397825
IRS990/LandBldgEquipBasisNetGrp/BOYAmt08842462
IRS990/LandBldgEquipBasisNetGrp/EOYAmt010066048
IRS990/LandBldgEquipCostOrOtherBssAmt021463873
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt01539833
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0294003423
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE ARE A PRINCIPLES BASED FINANCIAL COOPERATIVE COMMITTED TO EXCEPTIONAL SERVICE, CONVENIENCE, VALUE AND SECURITY OPERATING IN ACCORDANCE WITH THE MICHIGAN CREDIT UNION ACT.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt038000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt034000000
IRS990/NetAssetsOrFundBalancesBOYAmt0170846402
IRS990/NetAssetsOrFundBalancesEOYAmt0164351019
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt01364655
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01364655
IRS990/NetUnrelatedBusTxblIncmAmt0-66
IRS990/NetUnrlzdGainsLossesInvstAmt0-12012638
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0548189
IRS990/OfficeExpensesGrp/TotalAmt0241813
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt033016278
IRS990/OtherAssetsTotalGrp/EOYAmt029093037
IRS990/OtherChangesInNetAssetsAmt01952068
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0729704
IRS990/OtherExpensesGrp/Desc0DEBIT/CREDIT CARD
IRS990/OtherExpensesGrp/Desc1EQUIPMENT RENTAL AND MA
IRS990/OtherExpensesGrp/Desc2TCCUSF ASSESSMENT
IRS990/OtherExpensesGrp/Desc3LOAN EXPENSE
IRS990/OtherExpensesGrp/TotalAmt02830604
IRS990/OtherExpensesGrp/TotalAmt1979071
IRS990/OtherExpensesGrp/TotalAmt2960198
IRS990/OtherExpensesGrp/TotalAmt3706228
IRS990/OtherLiabilitiesGrp/BOYAmt01203120989
IRS990/OtherLiabilitiesGrp/EOYAmt01181287642
IRS990/OtherRevenueMiscGrp/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/Desc0INSURANCE
IRS990/OtherRevenueMiscGrp/Desc1NON-MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0477486
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1449062
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0477486
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt1449062
IRS990/OtherRevenueTotalAmt0926548
IRS990/OtherSalariesAndWagesGrp/TotalAmt05528870
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0494776650
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0550903965
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0565943
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01261514
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0651415
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0772477
IRS990/PrincipalOfficerNm0DENNIS HANSON
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt015123264
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt16151030
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt015123264
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt16151030
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt014281810
IRS990/PYOtherExpensesAmt024719184
IRS990/PYOtherRevenueAmt0837683
IRS990/PYProgramServiceRevenueAmt022794647
IRS990/PYRevenuesLessExpensesAmt04233208
IRS990/PYSalariesCompEmpBnftPaidAmt08961748
IRS990/PYTotalExpensesAmt033680932
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt037914140
IRS990/ReconcilationRevenueExpnssAmt03565187
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0170846402
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0164351019
IRS990/SavingsAndTempCashInvstGrp/BOYAmt029361
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt06708455
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04492033
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt011200488
IRS990ScheduleD/EquipmentGrp/BookValueAmt03043432
IRS990ScheduleD/EquipmentGrp/DepreciationAmt06905792
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt09949224
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt031763525
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0314161
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0314161
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0977768064
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1196525703
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt26750800
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3243075
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CD
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2IRA
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3HSA
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt06212400
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1749415389
IRS990ScheduleD/OtherSecuritiesGrp/Desc0FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc1INVESTMENT SECURITIES AVAILABLE FOR SALE
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt035328712
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, BY STATUTE (IRC SECTION 501(C)(14)), FROM FEDERAL INCOME TAXES AND MICHIGAN BUSINESS TAX. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE ("IRC") SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AN ISSUE FOR MANY YEARS. IN 2007, THE INTERNAL REVENUE SERVICE ("IRS") ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL CONDITION OR RESULTS OF OPERATION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt010066048
IRS990ScheduleD/TotalBookValueSecuritiesAmt0755627789
IRS990ScheduleD/TotalExpensesPerForm990Amt031763525
IRS990ScheduleD/TotalLiabilityAmt01181287642
IRS990ScheduleD/TotalRevenuePerForm990Amt035328712
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt035328712
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt031763525
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0258254
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1192674
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2171034
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3173918
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4121734
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5112079
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount044426
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount130387
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount225316
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount333141
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount47987
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount57862

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,402,048,467
Liabilities
$1,237,697,448
Net assets
$164,351,019
Revenue
$35,328,712
Expenses
$31,763,525
Net income
$3,565,187
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,388$2,197$191$117$111$6.45
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,201$2,025$176$89.4$88.6$0.86
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,121$1,971$151$64.9$52.6$12.4
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,160$1,940$220$56.1$42.7$13.4
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,003$1,783$220$59.9$53.0$6.90
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,767$1,574$193$61.6$52.9$8.67
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,628$1,458$170$50.6$44.5$6.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,638$1,468$170$38.5$37.2$1.31
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,529$1,364$164$34.4$33.8$0.57
2015Detailed filing. Detailed filing data is available for this year.$1,465$1,301$164$32.5$31.9$0.67
2014Detailed filing. Detailed filing data is available for this year.$1,423$1,254$169$32.3$30.4$1.87
2013Detailed filing. Detailed filing data is available for this year.$1,402$1,238$164$35.3$31.8$3.57
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,435$1,264$171$33.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,398$1,232$166$36.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,352$1,196$156$40.1
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $1B+ nonprofits