Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2016 • EIN 38-0495567

Jan 01, 2016 to Dec 31, 2016 • Filed on Jul 19, 2017

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

40th percentile

0.89x

Higher debt load relative to assets than 40% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

96th percentile

39.70x

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

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

1st percentile

1.6%

Higher net margin than 1% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

28th percentile

$616,850

Higher top officer pay than 28% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

8th percentile

4.3%

Faster asset growth than 8% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

21st percentile

5.6%

Faster revenue growth than 21% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets40th percentile

Assets

Up

$1,528,730,587

Up $63,623,682 (+4.3%) from 2015

Net Assets

Up

$164,318,279

Up $83,549 (+0.1%) from 2015

Liabilities

Up

$1,364,412,308

Up $63,540,133 (+4.9%) from 2015

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin1st percentile

Revenue

Up

$34,367,892

Up $1,823,501 (+5.6%) from 2015

Expenses

Up

$33,802,029

Up $1,930,557 (+6.1%) from 2015

Net Income

Down

$565,863

Down $107,056 (-16%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth8th 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

2016

Assets$1,528,730,587
Liabilities$1,364,412,308
Net Assets$164,318,279
Open 2016 Filing

Operations Trend

Revenue Growth21st 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

2016

Revenue$34,367,892
Expenses$33,802,029
Net Income$565,863
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jul 19, 2017
Return Version
2016v3.0
Gross Receipts
$112,158,946
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$730,195,916$831,754,740▲ $101,558,824
Investments in Publicly Traded Securities$625,380,363$593,655,090▼ $31,725,273
Rtn Earn Endowment Incm Other Fnds$164,234,730$164,318,279▲ $83,549
Savings and Temporary Cash Investments$67,542,196$61,914,211▼ $5,627,985
Land, Buildings, and Equipment, Net$9,919,935$9,569,711▼ $350,224
Cash and Non-Interest-Bearing Accounts$7,741,459$6,765,084▼ $976,375
Investments Other Securities$5,273,361$5,403,364▲ $130,003
Prepaid Expenses and Deferred Charges$876,128$849,550▼ $26,578
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,465,106,905$1,528,730,587▲ $63,623,682
Other Assets Total$18,177,547$18,818,837▲ $641,290
Liabilities
Other Liabilities$1,252,655,455$1,325,860,201▲ $73,204,746
Accounts Payable and Accrued Expenses$28,716,720$31,552,107▲ $2,835,387
Mortgage Notes Payable Secured by Investment Property$19,500,000$7,000,000▼ $12,500,000
Total Liabilities$1,300,872,175$1,364,412,308▲ $63,540,133
Net Assets / Fund Balance
Total Net Assets Fund Balance$164,234,730$164,318,279▲ $83,549
Total Liabilities and Net Assets / Fund Balance$1,465,106,905$1,528,730,587▲ $63,623,682

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,849,533$9,721,724$12,571,257
Buildings$6,406,017$5,375,215$11,781,232
Land$314,161-$314,161
Compensation and Service Providers
Top Officer Pay28th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dennis HansonPresident/CEOFT$389,549$227,301$616,850
Arthur PetersCOOFT$226,577$86,692$313,269
Barbara JungaVP of FinanceFT$214,050$80,296$294,346
Kenneth RoznowskiVP of LendingFT$188,031$61,497$249,528
Sheila WrightSr. Director of Human ResoFT$148,004$36,175$184,179
Lisa GrayDirector of ComplianceFT$129,779$32,020$161,799
Norman M ZureichDirector of InformationFT$128,839$27,458$156,297
Susan ValleyDirector of Remote ServiceFT$129,937$16,056$145,993
Alison TaylorControllerFT$118,531$24,935$143,466
Barb Ostroski-enosDirector of MarketingFT$130,679$9,024$139,703

Board Members and Trustees

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

Highest Paid Contractors

ContractorServicesLocationCompensation
Diebold INCMaintenance & MonitoringPO BOX 643543, Pittsburgh, PA 15264-3543$774,399
Jack Henry & AssociatesSoftware Licenses & MaintenancePO BOX 609, Monett, MO 65708$700,171
Business Data INCMember Statements & NoticesPO BOX 6081, Inglewood, CA 90312-6081$373,123
Jwaala LLCSoftware Licenses & Maintenance1717 WEST 6TH ST STE 112, Austin, TX 78703$366,899
Cdw Direct LLCHardware200 N MILWAUKEE AVENUE, Vernon Hills, IL 60061$292,892
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$22,685,172
Investment Income
$10,698,923
Other Revenue
$983,797
Change in Net Assets
$565,863

Audited Revenue Reconciliation

Revenue per Audited Statements
$34,419,337
Revenue Not Reported on Financial Statements
$-51,445
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-51,445
Total Revenue per Audited Statements
$34,419,337
Total Revenue per Form 990
$34,367,892
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,654,245
Salaries, Compensation, and Employee Benefits$11,147,784
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$10,134,584
Other Salaries and Wages---$6,376,645
Current Officers, Directors, Trustees, and Key Employees---$1,658,172
Depreciation Depletion---$1,526,451
All Other Expenses---$1,501,550
Other Employee Benefits---$1,287,452
Pension Plan Contributions---$1,210,537
Other Expenses---$830,000
Advertising---$780,325
Information Technology---$681,942
Payroll Taxes---$614,978
Occupancy---$563,104
Fees for Services Management---$521,448
Office Expenses---$239,932
Fees for Services Accounting---$165,419
Insurance---$107,394
Payments to Affiliates---$97,652
Fees for Services Legal---$52,107
Fees for Services Other---$40,693
Fees for Service Investment Mgmnt Fees---$15,383
Total Functional Expenses$0$0$0$33,802,029

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$33,853,474
Expenses per Audited Statements$33,802,029
Total Expenses per Form 990$33,802,029
Expenses Not Reported on Form 990$51,445
Expenses Not Reported on Financial Statements$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$668,492,712
Share Accounts$275,362,430
Certificates of Deposit$228,183,496
Share Draft Accounts$151,548,256
Health Savings Accounts$2,273,307
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 11B

“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
2017-07-19
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
167
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 IX, Line 24E

“Atm expense 536,673. Share draft 294,587. Bank examination fees 277,005. Employee development 233,688. Misc. Exp 159,597.”

FORM 990, PART XI, LINE 9:

“Net change in unrealized losses on postretirement benefit obligations -238,324.”

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, 2012.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Losses from the sale of oreo reported as an expense in audited financial statements, but as a reduction of revenue on form 990”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Losses from the sale of oreo reported as an expense in audited financial statements, but as a reduction of revenue on form 990”

Raw XML AppendixShowing 400 of 653 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/TitleTxt9COO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt12SR. DIRECTOR OF HUMAN RESO
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR OF INFORMATION
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR OF COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR OF REMOTE SERVICE
IRS990/Form990PartVIISectionAGrp/TitleTxt16CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR OF MARKETING
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Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,528,730,587
Liabilities
$1,364,412,308
Net assets
$164,318,279
Revenue
$34,367,892
Expenses
$33,802,029
Net income
$565,863
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
2016Detailed filing. Detailed filing data is available for this year.$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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