Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2015 • EIN 38-0495567

Jan 01, 2015 to Dec 31, 2015 • Filed on Jul 15, 2016

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

39th percentile

0.89x

Higher debt load relative to assets than 39% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Liabilities / Revenue

96th percentile

39.97x

Higher debt load relative to revenue than 96% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Net Margin

1st percentile

2.1%

Higher net margin than 1% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Top Officer Pay

10th percentile

$435,323

Higher top officer pay than 10% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Asset Growth

6th percentile

2.9%

Faster asset growth than 6% of similar nonprofits.

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

Revenue Growth

9th percentile

0.7%

Faster revenue growth than 9% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets39th percentile

Assets

Up

$1,465,106,905

Up $41,918,507 (+2.9%) from 2014

Net Assets

Down

$164,234,730

Down $4,457,230 (-2.6%) from 2014

Liabilities

Up

$1,300,872,175

Up $46,375,737 (+3.7%) from 2014

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin1st percentile

Revenue

Up

$32,544,391

Up $231,389 (+0.7%) from 2014

Expenses

Up

$31,871,472

Up $1,430,740 (+4.7%) from 2014

Net Income

Down

$672,919

Down $1,199,351 (-64%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth6th 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

2015

Assets$1,465,106,905
Liabilities$1,300,872,175
Net Assets$164,234,730
Open 2015 Filing

Operations Trend

Revenue Growth9th percentile

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

2015

Revenue$32,544,391
Expenses$31,871,472
Net Income$672,919
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jul 15, 2016
Return Version
2015v2.1
Gross Receipts
$123,788,063
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
Other Notes and Loans Receivable, Net$623,928,594$730,195,916▲ $106,267,322
Investments in Publicly Traded Securities$689,864,950$625,380,363▼ $64,484,587
Rtn Earn Endowment Incm Other Fnds$168,691,960$164,234,730▼ $4,457,230
Savings and Temporary Cash Investments$66,670,060$67,542,196▲ $872,136
Land, Buildings, and Equipment, Net$10,510,596$9,919,935▼ $590,661
Cash and Non-Interest-Bearing Accounts$7,727,965$7,741,459▲ $13,494
Investments Other Securities$6,491,415$5,273,361▼ $1,218,054
Prepaid Expenses and Deferred Charges$646,541$876,128▲ $229,587
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,423,188,398$1,465,106,905▲ $41,918,507
Other Assets Total$17,348,277$18,177,547▲ $829,270
Liabilities
Other Liabilities$1,200,186,418$1,252,655,455▲ $52,469,037
Accounts Payable and Accrued Expenses$25,310,020$28,716,720▲ $3,406,700
Mortgage Notes Payable Secured by Investment Property$29,000,000$19,500,000▼ $9,500,000
Total Liabilities$1,254,496,438$1,300,872,175▲ $46,375,737
Net Assets / Fund Balance
Total Net Assets Fund Balance$168,691,960$164,234,730▼ $4,457,230
Total Liabilities and Net Assets / Fund Balance$1,423,188,398$1,465,106,905▲ $41,918,507

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,181,325$8,449,505$11,630,830
Buildings$6,424,449$5,179,743$11,604,192
Land$314,161-$314,161
Compensation and Service Providers
Top Officer Pay10th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dennis HansonPresident/CEOFT$328,294$107,029$435,323
Kenneth RoznowskiVP of LendingFT$182,383$133,959$316,342
Arthur PetersCFOFT$207,997$81,119$289,116
Barbara JungaVP of FinanceFT$203,995$83,621$287,616
Sheila WrightSr. Director of Human ResourcesFT$126,849$34,844$161,693
Lisa GrayDirector of ComplianceFT$117,223$34,350$151,573
Norman M ZureichDirector of InformationFT$130,595$16,936$147,531
Susan ValleyDirector of Remote ServicesFT$126,604$15,799$142,403
Alison TaylorControllerFT$110,861$24,795$135,656
Barb Ostroski-enosDirector of MarketingFT$107,992$19,755$127,747

Board Members and Trustees

NameTitle
Gary McguireChairmand of the Board
Mark FenskeVice Chairman of the Board
Duncan StuartDirector
Lisa MckenneyDirector
Perry HolmonDirector
Robert KasprzykDirector
William WeidemanDirector
Micheal KappSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & AssociatesSoftware Licenses & MaintenancePO BOX 609, Monett, MO 65708$850,819
Diebold INCMaintenance & MonitoringPO BOX 643543, Pittsburgh, PA 15264-3543$551,037
Jwaala LLCSoftware Licenses & Maintenance1717 WEST 6TH ST STE 112, Austin, TX 78703$377,171
Business Data INCMember Statements & NoticesPO BOX 6081, Inglewood, CA 90312-6081$342,615
Cdw Direct LLCHardware200 N MILWAUKEE AVENUE, Vernon Hills, IL 60061$302,165
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$21,053,304
Investment Income
$10,310,301
Other Revenue
$1,180,786
Change in Net Assets
$672,919

Audited Revenue Reconciliation

Revenue per Audited Statements
$32,544,391
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$32,544,391
Total Revenue per Form 990
$32,544,391
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$21,472,803
Salaries, Compensation, and Employee Benefits$10,398,669
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$8,969,065
Other Salaries and Wages---$6,010,735
Current Officers, Directors, Trustees, and Key Employees---$1,490,090
All Other Expenses---$1,411,305
Other Employee Benefits---$1,312,932
Pension Plan Contributions---$1,040,576
Depreciation Depletion---$1,036,191
Other Expenses---$794,114
Advertising---$680,409
Information Technology---$644,540
Occupancy---$547,098
Fees for Services Management---$544,634
Payroll Taxes---$544,336
Office Expenses---$245,474
Fees for Services Accounting---$151,200
Insurance---$127,373
Travel---$122,616
Payments to Affiliates---$95,056
Fees for Services Legal---$49,989
Fees for Services Other---$39,312
Fees for Service Investment Mgmnt Fees---$16,033
Conferences and Meetings---$2,109
Total Functional Expenses$0$0$0$31,871,472

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$31,871,472
Total Expenses per Audited Statements$31,871,472
Total Expenses per Form 990$31,871,472
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
Hi Yield Deposit Accounts$666,404,861
Share Accounts$248,407,649
Certificates of Deposit$194,197,566
Share Draft Accounts$141,817,792
Health Savings Accounts$1,827,587
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 is 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 action, as needed.”

Form 990, Part VI, Section B, Line 15

“The credit union utilizes a compensation committee for all staff members' compensation and benefits, including executive pay/programs. We utilize an independent compensation consultant to provide comparability data and final approval of compensation is given by the board of directors.”

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

Filer Name
DOW CHEMICAL EMPLOYEES' CREDIT UNION
EIN
38-0495567
Phone
9898357794
Address
600 E LYON RD, MIDLAND, MI 48640

Signing Officer

Name
Dennis Hanson
Title
President/CEO
Phone
9898357794
Signed
2016-07-15
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
173
Volunteers
15

Preparer

Firm
Doeren Mayhew
Address
12060 S W 129TH COURT STE 201, MIAMI, FL 33186-4582
Preparer
Douglas J Orth
Phone
3052328272
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net change in unrealized losses on postretirement benefit obligations -808,715.”

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. The credit union remains subject to examination for income tax returns for years ending after december 31, 2011.”

Raw XML AppendixShowing 400 of 626 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt12SR. DIRECTOR OF HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR OF INFORMATION
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR OF COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR OF REMOTE SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt16CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR OF MARKETING
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IRS990ScheduleD/EquipmentGrp/BookValueAmt03181325

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,465,106,905
Liabilities
$1,300,872,175
Net assets
$164,234,730
Revenue
$32,544,391
Expenses
$31,871,472
Net income
$672,919
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

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