Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2022 • EIN 38-0495567

Jan 01, 2022 to Dec 31, 2022 • Filed on Nov 14, 2023

Organization ProfileWWW.DOWCREDITUNION.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

72nd percentile

0.93x

Higher debt load relative to assets than 72% of similar nonprofits.

2022 filings • 501(c)14 • $1B+ nonprofits • Source year 2022

Liabilities / Revenue

96th percentile

30.34x

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

2022 filings • 501(c)14 • $1B+ nonprofits • Source year 2022

Net Margin

48th percentile

19%

Higher net margin than 48% of similar nonprofits.

2022 filings • 501(c)14 • $1B+ nonprofits • Source year 2022

Top Officer Pay

79th percentile

$1,619,537

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 2.5% of source-year revenue.

2022 filings • 501(c)14 • $1B+ nonprofits • Source year 2022

Asset Growth

10th percentile

-1.8%

Faster asset growth than 10% of similar nonprofits.

2022 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2021 to 2022

Revenue Growth

68th percentile

16%

Faster revenue growth than 68% of similar nonprofits.

2022 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Down

$2,121,264,280

Down $38,686,262 (-1.8%) from 2021

Net Assets

Down

$150,756,125

Down $69,540,803 (-32%) from 2021

Liabilities

Up

$1,970,508,155

Up $30,854,541 (+1.6%) from 2021

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin48th percentile

Revenue

Up

$64,943,643

Up $8,828,247 (+16%) from 2021

Expenses

Up

$52,576,897

Up $9,886,969 (+23%) from 2021

Net Income

Down

$12,366,746

Down $1,058,722 (-7.9%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth10th 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

2022

Assets$2,121,264,280
Liabilities$1,970,508,155
Net Assets$150,756,125
Open 2022 Filing

Operations Trend

Revenue Growth68th 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

2022

Revenue$64,943,643
Expenses$52,576,897
Net Income$12,366,746
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 14, 2023
Return Version
2022v5.0
Gross Receipts
$156,195,716
Mission and Program Overview

Mission

We are a principles based financial cooperative committed to exceptional service, convenience, value and security operating in accordance with the michigan credit union act.

Dow 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$1,072,430,076$1,148,304,243▲ $75,874,167
Investments in Publicly Traded Securities$944,471,576$854,845,930▼ $89,625,646
Rtn Earn Endowment Incm Other Fnds$220,296,928$150,756,125▼ $69,540,803
Savings and Temporary Cash Investments$83,860,529$60,363,107▼ $23,497,422
Cash and Non-Interest-Bearing Accounts$14,823,581$10,709,513▼ $4,114,068
Land, Buildings, and Equipment, Net$7,709,705$8,454,496▲ $744,791
Investments Other Securities$7,019,480$5,709,800▼ $1,309,680
Prepaid Expenses and Deferred Charges$1,241,234$3,550,404▲ $2,309,170
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,159,950,542$2,121,264,280▼ $38,686,262
Other Assets Total$28,394,361$29,326,787▲ $932,426
Liabilities
Other Liabilities$1,910,606,919$1,897,344,621▼ $13,262,298
Mortgage Notes Payable Secured by Investment Property-$40,000,000-
Accounts Payable and Accrued Expenses$29,046,695$33,163,534▲ $4,116,839
Total Liabilities$1,939,653,614$1,970,508,155▲ $30,854,541
Net Assets / Fund Balance
Total Net Assets Fund Balance$220,296,928$150,756,125▼ $69,540,803
Total Liabilities and Net Assets / Fund Balance$2,159,950,542$2,121,264,280▼ $38,686,262

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,594,167$7,253,214$13,847,381
Equipment$1,396,168$8,042,839$9,439,007
Land$464,161-$464,161
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Arthur PetersChief Operating OfficerFT$299,281$1,320,256$1,619,537
Michael GoadChief Executive OfficerFT$496,027$198,829$694,856
Sanjay AhluwaliaChief Financial OfficerFT$216,486$94,747$311,233
John CostelloSenior Director of LendingFT$191,471$108,599$300,070
Mark GandySenior Director of Risk/complianceFT$216,525$82,313$298,838
Sheila WrightSenior Director of HrFT$197,432$87,826$285,258
Elton BrooksVP of RetailFT$203,560$75,024$278,584
Lisa GrayDirector of Risk & Regulatory AffairsFT$164,866$28,562$193,428
Lisa GrayDirector of Risk & Regulatory Affair-$144,344$49,084$193,428
Alison TaylorControllerFT$132,667$54,635$187,302
Norman M ZureichDirector of ItFT$142,849$41,190$184,039
Susan PhillipsSr Executive Assistant - CEOFT$105,169$49,344$154,513
Kristina BrozzoMortgage Sales ManagerFT$108,605$44,321$152,926
Lashanta GreenDirector of Marketing and Community RelationsFT$136,640$15,238$151,878
Lashanta GreenDirector of Marketing and Community-$111,043$40,835$151,878
Angie HillierMortgage Operations ManagerFT$105,909$45,042$150,951
Robert SambornIt Infrastructure ManagerFT$105,857$44,871$150,728

Board Members and Trustees

NameTitle
Perry HolmonBoard Chairman
Lisa MckenneyBoard Vice Chairman
Gary McguireBoard Member
Lisa BryantBoard Member
Mark BachmanBoard Member
Mark FenskeBoard Member
Mike KappBoard Member
Shandell MasseySecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry AssociatesCore Banking ServicesPO BOX 609, Monett, MO 65708$1,919,574
Amplifi Loyalty SolutionsCredit Card Rewards Program1620 BOND ST, Naperville, IL 60563$752,270
Diebold Nixdorf IncorporatedAtm ServicesPO BOX 643543, Pittsburgh, PA 15264$672,051
Insight Direct USA INCTech Hardware & SoftwarePO BOX 731069, Dallas, TX 75373$583,949
First American Mortgage Solutions LLCMortgage AppraisalsPO BOX 31001-2274, Pasadena, CA 91110$495,935
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$46,413,772
Investment Income
$18,529,871
Other Revenue
$0
Change in Net Assets
$12,366,746

Audited Revenue Reconciliation

Revenue per Audited Statements
$64,943,643
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-83,539,106
Total Revenue per Audited Statements
$-18,595,463
Total Revenue per Form 990
$64,943,643
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$36,440,427
Salaries, Compensation, and Employee Benefits$16,136,470
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$18,282,095
Other Salaries and Wages---$7,950,743
Current Officers, Directors, Trustees, and Key Employees---$4,353,143
Information Technology---$2,847,180
Pension Plan Contributions---$1,690,740
Advertising---$1,610,421
Other Expenses---$1,284,599
Other Employee Benefits---$1,217,358
Depreciation Depletion---$1,026,025
All Other Expenses---$965,676
Payroll Taxes---$924,486
Office Expenses---$730,122
Occupancy---$592,865
Fees for Services Management---$514,742
Fees for Services Accounting---$251,860
Insurance---$164,388
Fees for Services Other---$91,350
Fees for Services Legal---$52,673
Conferences and Meetings---$3,311
Total Functional Expenses$0$0$0$52,576,897

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$52,576,897
Total Expenses per Audited Statements$52,576,897
Total Expenses per Form 990$52,576,897
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$913,613,207
Share Accounts$437,961,607
Certificates of Deposit$287,015,127
Share Draft Accounts$254,063,302
Health Savings Accounts$4,691,378
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

“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 Credit Union
EIN
38-0495567
Phone
9898357794
Address
600 E LYON RD, MIDLAND, MI 48640

Signing Officer

Name
Sanjay Ahluwalia
Title
Chief Financial Officer
Phone
9898357794
Signed
2023-11-14
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
209
Volunteers
8

Preparer

Firm
Plante & Moran Pllc
Address
750 TRADE CENTRE WAY STE 300, PORTAGE, MI 49002
Preparer
Kenley G Penner
Phone
2695674500
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net change in actuarial gains/(losses) 1,675,330. Cumulative effect of change in accounting principle -43,773.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute, from federal and state income taxes. However, the credit union may be subject to unrelated business income tax. The net unrelated business income tax is immaterial to the financial statements as a whole. Accounting principles generally accepted in the united states of america require management to evaluate tax positions taken by the credit union and recognize a tax liability if the credit union has taken an uncertain position that more likely than not would not be sustained upon examination by the internal revenue service (irs) or other applicable taxing authorities. Management has analyzed the tax positions taken by the credit union and has concluded that, as of december 31, 2022 and 2021, there are no uncertain positions taken or expected to be taken that would require recognition of a liability or disclosure in the financial statements. The credit union is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress.”

Raw XML AppendixShowing 400 of 809 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/TitleTxt1BOARD VICE CHAIRMAN
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IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11SENIOR DIRECTOR OF RISK/COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt12SENIOR DIRECTOR OF HR
IRS990/Form990PartVIISectionAGrp/TitleTxt13SENIOR DIRECTOR OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP OF RETAIL
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR OF RISK & REGULATORY AFFAIRS
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR OF IT
IRS990/Form990PartVIISectionAGrp/TitleTxt17CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt18MORTGAGE SALES MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt19SR EXECUTIVE ASSISTANT - CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt20IT INFRASTRUCTURE MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR OF MARKETING AND COMMUNITY RELATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt22MORTGAGE OPERATIONS MANAGER
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,121,264,280
Liabilities
$1,970,508,155
Net assets
$150,756,125
Revenue
$64,943,643
Expenses
$52,576,897
Net income
$12,366,746
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
2022Detailed filing. Detailed filing data is available for this year.$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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