Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2019 • EIN 38-0495567

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 08, 2020

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

49th percentile

0.89x

Higher debt load relative to assets than 49% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Liabilities / Revenue

95th percentile

25.57x

Higher debt load relative to revenue than 95% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Net Margin

27th percentile

14%

Higher net margin than 27% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Top Officer Pay

60th percentile

$1,052,413

Higher top officer pay than 60% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Asset Growth

55th percentile

8.5%

Faster asset growth than 55% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Revenue Growth

94th percentile

22%

Faster revenue growth than 94% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$1,766,989,635

Up $138,625,717 (+8.5%) from 2018

Net Assets

Up

$192,616,083

Up $22,179,675 (+13%) from 2018

Liabilities

Up

$1,574,373,552

Up $116,446,042 (+8.0%) from 2018

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin27th percentile

Revenue

Up

$61,566,808

Up $10,981,444 (+22%) from 2018

Expenses

Up

$52,893,869

Up $8,359,476 (+19%) from 2018

Net Income

Up

$8,672,939

Up $2,621,968 (+43%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth55th 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

2019

Assets$1,766,989,635
Liabilities$1,574,373,552
Net Assets$192,616,083
Open 2019 Filing

Operations Trend

Revenue Growth94th 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

2019

Revenue$61,566,808
Expenses$52,893,869
Net Income$8,672,939
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 8, 2020
Return Version
2019v5.1
Gross Receipts
$169,241,435
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$960,541,761$995,241,541▲ $34,699,780
Investments in Publicly Traded Securities$587,322,638$629,777,494▲ $42,454,856
Rtn Earn Endowment Incm Other Fnds$170,436,408$192,616,083▲ $22,179,675
Savings and Temporary Cash Investments$30,124,954$80,207,972▲ $50,083,018
Investments Other Securities$5,577,439$20,316,249▲ $14,738,810
Land, Buildings, and Equipment, Net$8,718,605$8,306,777▼ $411,828
Cash and Non-Interest-Bearing Accounts$7,729,735$6,590,596▼ $1,139,139
Prepaid Expenses and Deferred Charges$1,069,383$765,598▼ $303,785
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,628,363,918$1,766,989,635▲ $138,625,717
Other Assets Total$27,279,403$25,783,408▼ $1,495,995
Liabilities
Other Liabilities$1,422,374,090$1,523,032,008▲ $100,657,918
Accounts Payable and Accrued Expenses$35,553,420$51,341,544▲ $15,788,124
Total Liabilities$1,457,927,510$1,574,373,552▲ $116,446,042
Net Assets / Fund Balance
Total Net Assets Fund Balance$170,436,408$192,616,083▲ $22,179,675
Total Liabilities and Net Assets / Fund Balance$1,628,363,918$1,766,989,635▲ $138,625,717

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,851,992$10,721,071$12,573,063
Buildings$6,140,624$6,348,431$12,489,055
Land$314,161-$314,161
Compensation and Service Providers
Top Officer Pay60th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dennis HansonPresident/CEOFT$475,669$576,744$1,052,413
Arthur PetersCOOFT$270,044$103,162$373,206
Michael GoadCFOFT$254,136$87,581$341,717
Kenneth RoznowskiVP of LendingFT$205,770$73,920$279,690
Sheila WrightSr. Director of Human ResoFT$167,359$65,783$233,142
John CostelloDirector of LendingFT$161,807$61,397$223,204
Lisa GrayDirector of ComplianceFT$134,830$47,075$181,905
Norman M ZureichDirector of InformationFT$137,121$38,339$175,460
Susan ValleyDirector of Remote ServiceFT$142,327$27,111$169,438
Alison TaylorControllerFT$120,567$41,455$162,022
Mark GandyDirector of SecurityFT$138,776$20,412$159,188
Carole DanielskiOperations ManagerFT$111,525$42,152$153,677
Barbara JungaVP of FinanceFT$125,735-$125,735

Board Members and Trustees

NameTitle
Gary McguireChairperson of the Board
Mark FenskeVice Chairperson of the Board
Duncan StuartDirector
Lisa MckenneyDirector
Mark BachmanDirector
Perry HolmonDirector
Robert KasprzykDirector
Micheal KappSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & AssociatesCore Banking ServicesPO BOX 609, Monett, MO 65708$1,046,971
Pat's Gradall Services INCParking Lot Construction820 S JEFFERSON AVE, Midland, MI 48640$747,545
Agp & Associates INCMarketing And Advertising3562 RIDGECREST DR, Midland, MI 48642$675,239
Diebold Nixdorf IncorporatedAtm Supplier And Servicing5995 MAYFAIR RD PO BOX 3077, North Canton, OH 44720$360,447
Business Data INCMailing, Printing, Electronic DeliveryPO BOX 6081, Inglewood, CA 90312-6081$304,004
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$45,018,812
Investment Income
$15,762,229
Other Revenue
$785,767
Change in Net Assets
$8,672,939

Audited Revenue Reconciliation

Revenue per Audited Statements
$61,566,808
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$61,566,808
Total Revenue per Form 990
$61,566,808
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$39,848,261
Salaries, Compensation, and Employee Benefits$13,045,608
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$21,798,093
Other Salaries and Wages---$7,069,659
Current Officers, Directors, Trustees, and Key Employees---$2,798,545
Other Expenses---$2,130,406
Other Employee Benefits---$1,588,013
Advertising---$1,409,830
Office Expenses---$1,396,516
Depreciation Depletion---$1,333,977
Information Technology---$1,061,443
All Other Expenses---$914,140
Pension Plan Contributions---$816,192
Payroll Taxes---$773,199
Fees for Services Management---$701,452
Occupancy---$522,422
Fees for Services Accounting---$191,864
Payments to Affiliates---$160,699
Insurance---$125,420
Fees for Services Legal---$117,540
Fees for Services Other---$94,581
Conferences and Meetings---$5,852
Total Functional Expenses$0$0$0$52,893,869

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$52,893,869
Total Expenses per Audited Statements$52,893,869
Total Expenses per Form 990$52,893,869
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$648,445,270
Certificates of Deposit$402,196,953
Share Accounts$291,314,498
Share Draft Accounts$177,842,918
Health Savings Accounts$3,232,369
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
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

“Certain members of senior management perform their review of the form 990 in its draft form. Once all necessary revisions are made, a copy of the revised form 990 is reviewed with the supervisory committee chairman. Additionally, the version of the form approved by management and the supervisory committee chairman is provided to each member of the board of directors prior to electronic filing.”

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
Michael G Goad
Title
Chief Executive Officer
Phone
9898357794
Signed
2020-10-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael G Goad
Formed
1937
Legal Domicile
Mi
Voting Board Members
8
Independent Board Members
8
Employees
177
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 468,083. Training/development/education 199,112. Misc. Exp 171,942. Share draft/bill pay expense 75,003.”

FORM 990, PART XI, LINE 9:

“Net change in actuarial gains/(losses) -323,530. Reclassification of unrealized gains/(losses) on the sale of securities 180,915.”

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. 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 income tax liability. In the opinion of management, any liability arising from federal 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 operations. The credit union remains subject to examination for income tax returns for years ended after december 31, 2015.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Gains from the sale of oreo reported as part of net non-interest expenses within the audited financial statements.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Gains from the sale of oreo reported as part of net non-interest expenses i within the audited financial statements.”

Raw XML AppendixShowing 400 of 734 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/TitleTxt3DIRECTOR
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/TitleTxt11CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt13SR. DIRECTOR OF HUMAN RESO
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR OF REMOTE SERVICE
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR OF INFORMATION
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR OF COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt18CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt19OPERATIONS MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR OF SECURITY
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Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,766,989,635
Liabilities
$1,574,373,552
Net assets
$192,616,083
Revenue
$61,566,808
Expenses
$52,893,869
Net income
$8,672,939
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
2019Detailed filing. Detailed filing data is available for this year.$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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