Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2013 • EIN 38-0536242

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 12, 2014

Organization ProfileWWW.CUONE.ORG

View Organization Page

400 E Nine MileFerndale, MI 48220

(248) 398-1210

Siviq Scores

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

Liabilities / Assets

74th percentile

0.91x

Higher debt load relative to assets than 74% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

44th percentile

16.98x

Higher debt load relative to revenue than 44% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

86th percentile

24%

Higher net margin than 86% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

64th percentile

$419,478

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 1.0% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

70th percentile

6.3%

Faster asset growth than 70% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

28th percentile

-0.4%

Faster revenue growth than 28% of similar nonprofits.

2013 filings • $250M-$1B nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$821,636,173

Up $48,840,671 (+6.3%) from 2012

Net Assets

Up

$73,148,448

Up $9,766,901 (+15%) from 2012

Liabilities

Up

$748,487,725

Up $39,073,770 (+5.5%) from 2012

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin86th percentile

Revenue

$44,089,746

No earlier filing loaded for comparison.

Expenses

Down

$33,410,388

Down $897,554 (-2.6%) from 2012

Net Income

$10,679,358

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth70th percentile

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

$2.0B$1.5B$1.0B$500M$0Assets 2010: $727,369,600Liabilities 2010: $678,142,106Net Assets 2010: $49,227,4942010Assets 2011: $743,304,180Liabilities 2011: $687,942,809Net Assets 2011: $55,361,3712011Assets 2012: $772,795,502Liabilities 2012: $709,413,955Net Assets 2012: $63,381,5472012Assets 2013: $821,636,173Liabilities 2013: $748,487,725Net Assets 2013: $73,148,4482013Assets 2014: $850,302,557Liabilities 2014: $768,321,329Net Assets 2014: $81,981,2282014Assets 2015: $1,023,387,544Liabilities 2015: $931,188,645Net Assets 2015: $92,198,8992015Assets 2016: $1,089,661,350Liabilities 2016: $995,991,389Net Assets 2016: $93,669,9612016Assets 2017: $1,144,823,806Liabilities 2017: $1,045,558,385Net Assets 2017: $99,265,4212017Assets 2018: $1,190,826,264Liabilities 2018: $1,082,001,378Net Assets 2018: $108,824,8862018Assets 2019: $1,490,291,033Liabilities 2019: $1,368,363,980Net Assets 2019: $121,927,0532019Assets 2020: $1,659,764,690Liabilities 2020: $1,528,933,592Net Assets 2020: $130,831,0982020Assets 2021: $1,817,447,747Liabilities 2021: $1,681,612,519Net Assets 2021: $135,835,2282021Assets 2022: $1,758,444,493Liabilities 2022: $1,631,979,532Net Assets 2022: $126,464,9612022

Highlighted filing

2013

Assets$821,636,173
Liabilities$748,487,725
Net Assets$73,148,448
Open 2013 Filing

Operations Trend

Revenue Growth28th percentile

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

$80M$60M$40M$20M$0Expenses 2010: $47,987,5452010Revenue 2011: $44,430,839Expenses 2011: $39,315,557Net Income 2011: $5,115,2822011Expenses 2012: $34,307,9422012Revenue 2013: $44,089,746Expenses 2013: $33,410,388Net Income 2013: $10,679,3582013Revenue 2014: $46,793,924Expenses 2014: $37,927,984Net Income 2014: $8,865,9402014Revenue 2015: $50,844,055Expenses 2015: $45,784,739Net Income 2015: $5,059,3162015Revenue 2016: $54,769,057Expenses 2016: $51,797,880Net Income 2016: $2,971,1772016Revenue 2017: $54,096,826Expenses 2017: $47,974,350Net Income 2017: $6,122,4762017Revenue 2018: $59,114,786Expenses 2018: $48,315,101Net Income 2018: $10,799,6852018Revenue 2019: $66,716,893Expenses 2019: $57,212,950Net Income 2019: $9,503,9432019Revenue 2020: $68,185,799Expenses 2020: $60,665,251Net Income 2020: $7,520,5482020Revenue 2021: $62,924,862Expenses 2021: $52,607,342Net Income 2021: $10,317,5202021Revenue 2022: $70,267,649Expenses 2022: $59,536,329Net Income 2022: $10,731,3202022

Highlighted filing

2013

Revenue$44,089,746
Expenses$33,410,388
Net Income$10,679,358
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 12, 2014
Return Version
2013v3.0
Gross Receipts
$122,310,898
Mission and Program Overview

Mission

Credit union one is committed to providing exceptional value to its members by delivering outstanding products and services anytime, anywhere.

Credit union one's primary exempt purpose is to exemplify the historical credit union philosophy of "people helping people". Credit union one accomplished this through financial performance by paying $1,250,084 in dividends and interest on the deposits held by our 109,468 members. We were also able to offer and maintain competitive loan rates and we have extended terms on loans to make the payments more affordable.in addition, we accomplished our exempt purpose by community involvement. In 2013 we volunteered our time and talents to support the walk for warmth programs and the children's hospital walk for diabetes. Credit union one awarded $10,000 in college scholarships to graduating high school seniors, contributed funds to support both the karmanos cancer institute's oncology nursing program for high school minority students, as well as outreach programs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$562,155,840$642,627,264▲ $80,471,424
Rtn Earn Endowment Incm Other Fnds$63,381,547$73,148,448▲ $9,766,901
Savings and Temporary Cash Investments$27,466,678$69,828,621▲ $42,361,943
Land, Buildings, and Equipment, Net$26,492,447$29,202,588▲ $2,710,141
Investments Other Securities$106,842,053$28,462,875▼ $78,379,178
Cash and Non-Interest-Bearing Accounts$20,584,120$19,605,951▼ $978,169
Receivables From Officers Etc$8,043,969$9,915,919▲ $1,871,950
Prepaid Expenses and Deferred Charges$1,386,614$1,756,637▲ $370,023
Accounts Receivable$984,504$245,184▼ $739,320
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$772,795,502$821,636,173▲ $48,840,671
Other Assets Total$18,839,277$19,991,134▲ $1,151,857
Liabilities
Other Liabilities$699,462,819$718,296,707▲ $18,833,888
Mortgage Notes Payable Secured by Investment Property$5,000,000$25,000,000▲ $20,000,000
Accounts Payable and Accrued Expenses$4,951,136$5,191,018▲ $239,882
Total Liabilities$709,413,955$748,487,725▲ $39,073,770
Net Assets / Fund Balance
Total Net Assets Fund Balance$63,381,547$73,148,448▲ $9,766,901
Total Liabilities and Net Assets / Fund Balance$772,795,502$821,636,173▲ $48,840,671

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$18,309,768$9,463,300$27,773,068
Equipment$2,338,823$7,966,621$10,305,444
Land$4,957,418-$4,957,418
Other Land Buildings$3,510,754$758,444$4,269,198
Leasehold Improvements$85,825$534,603$620,428
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gary MoodyPresident and CEOFT$363,159$56,319$419,478
Terry JagielskiVP Indirect LendingFT$163,719$172,239$335,958
Thomas SchaefflerEvp/COOFT$253,060$28,496$281,556
Stephen GrechEvp/lendingFT$209,896$29,292$239,188
David BreuerSVP/CIOFT$186,247$13,177$199,424
David SommersSVP/CFOFT$161,157$24,319$185,476
Swaminathan SeetharamanSVP/chief Member Experience OfficerFT$143,780$25,687$169,467
Ernesta TobinVP of Wealth ManagementFT$131,314$5,191$136,505
Scott BonacorsiSVP/chief Human ResourceFT$118,477$13,319$131,796

Board Members and Trustees

NameTitle
Paul W StuartBoard Chairman
Guadalupe G LaraVice Chairwoman
Charlene P AugustynBoard Director
David C PrybysBoard Director
Gail WestoverBoard Director
Jan GillespieBoard Director
Juanita M ReidBoard Director
Raymond F RedmondBoard Director
Rudolph R Montano JrBoard Director
Joan StefanskiSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Co-op NetworkAtm/debit Network-$1,980,847
BerlineMarketing/advertising-$405,812
Member First MortgageMortgage Servicing-$356,651
Data MailStatements-$342,027
Harland Financial SolutionsData Processing-$227,744
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$40,014,628
Investment Income
$2,448,608
Other Revenue
$1,626,510
Change in Net Assets
$10,679,358

Audited Revenue Reconciliation

Revenue per Audited Statements
$41,915,925
Revenue Not Reported on Financial Statements
$2,173,821
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$2,173,821
Total Revenue per Audited Statements
$41,915,925
Total Revenue per Form 990
$44,089,746
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$17,528,568
Salaries, Compensation, and Employee Benefits$15,871,820
Grants and Similar Amounts Paid$10,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$12,623,019
All Other Expenses---$2,320,191
Occupancy---$1,781,213
Advertising---$1,677,344
Depreciation Depletion---$1,628,634
Other Expenses---$1,322,784
Payroll Taxes---$1,132,109
Current Officers, Directors, Trustees, and Key Employees---$1,125,698
Other Employee Benefits---$990,994
Fees for Services Other---$868,333
Office Expenses---$535,653
Travel---$299,626
Insurance---$269,050
Fees for Services Accounting---$214,178
Fees for Services Legal---$208,744
Interest---$202,350
Conferences and Meetings---$84,551
Information Technology---$21,805
Grants to Domestic Individuals---$10,000
Total Functional Expenses$0$0$0$33,410,388

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$33,410,388
Expenses per Audited Statements$31,236,567
Total Expenses per Audited Statements$31,236,567
Expenses Not Reported on Financial Statements$2,173,821
Other Expense Adjustments$2,173,821
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$8,043,969$9,915,919▲ $1,871,950
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$718,296,707
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

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

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

“Every member of the credit union is given one vote and is able to elect members of the governing body at the annual meeting”

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

“Only substantial events are subject to membership approval.”

Form 990, Part VI, Section B, Line 11

“The 990 will be presented at a meeting of the audit committee of credit union one. The meeting will take place in november 2014.”

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

“The board of directors annually completes and signs a formal conflict of interest disclosure consistent with the board's code of ethics. The disclosures are reviewed by the governance committee for compliance with the code of ethics.”

Form 990, Part VI, Section B, Line 15

“The ceo's compensation review is performed by the board of directors annually. All top management level employees' compensation are reviewed by the head of hr and benchmarked.”

Form 990, Part VI, Section C, Line 19

“The governing documents and financial statements are made available to the public upon request only.”

Filing and Contact Details

Filer

EIN
38-0536242
Phone
2483981210

Signing Officer

Name
Gary Moody
Title
President and CEO
Phone
2483981210
Signed
2014-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gary Moody
Formed
1938
Legal Domicile
Mi
Voting Board Members
10
Independent Board Members
10
Employees
345
Volunteers
10

Preparer

Preparer
Robin D Hoag CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“We have a committee that assumes responsibility for the oversight of the audit of its financial statements and the selection of an independent account. Our process has not changed from the prior year.”

Financial Statement Notes

PART X, LINE 2:

“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 position or results of operations. The credit union's income tax filings are subject to audit by various taxing authorities and open tax periods include 2010 - 2013.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Miscellaneous income 777,696. Gain on sale of securities 1,396,125.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Miscellaneous income 777,696. Gain on sale of securities 1,396,125.”

Raw XML AppendixShowing 400 of 706 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/ActivityOrMissionDesc0CREDIT UNION ONE'S PRIMARY EXEMPT PURPOSE IS TO EXEMPLIFY THE HISTORICAL CREDIT UNION PHILOSOPHY OF "PEOPLE HELPING PEOPLE". CREDIT UNION ONE ACCOMPLISHED THIS THROUGH FINANCIAL PERFORMANCE BY PAYING $1,250,084 IN DIVIDENDS AND INTEREST ON THE DEPOSITS HELD BY OUR 109,468 MEMBERS. WE WERE ALSO ABLE TO OFFER AND MAINTAIN COMPETITIVE LOAN RATES AND WE HAVE EXTENDED TERMS ON LOANS TO MAKE THE PAYMENTS MORE AFFORDABLE.IN ADDITION, WE ACCOMPLISHED OUR EXEMPT PURPOSE BY COMMUNITY INVOLVEMENT. IN 2013 WE VOLUNTEERED OUR TIME AND TALENTS TO SUPPORT THE WALK FOR WARMTH PROGRAMS AND THE CHILDREN'S HOSPITAL WALK FOR DIABETES. CREDIT UNION ONE AWARDED $10,000 IN COLLEGE SCHOLARSHIPS TO GRADUATING HIGH SCHOOL SENIORS, CONTRIBUTED FUNDS TO SUPPORT BOTH THE KARMANOS CANCER INSTITUTE'S ONCOLOGY NURSING PROGRAM FOR HIGH SCHOOL MINORITY STUDENTS, AS WELL AS OUTREACH PROGRAMS.
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IRS990/Desc0IN 2013, THE CREDIT UNION CONTINUED ITS INITIATIVE TO OFFER MORE AFFORDABLE LOANS TO OUR MEMBERSHIP AND TO MAKE MORE LOANS TO SUB-PRIME BORROWERS IN ORDER TO MAKE LOANS AVAILABLE TO MEMBERS WHO MAY NOT BE ABLE TO GET A LOAN ELSEWHERE. THE CREDIT UNION HAS KEPT ITS EXTENDED TERM ON AUTO LOANS TO 84 MONTHS IN ORDER TO ALLOW MEMBERS TO HAVE A MORE AFFORDABLE PAYMENT.
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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/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1013170
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1113642
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1212689
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1313524
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt14358
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1513280
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1613468
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt175191
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1813319
IRS990/Form990PartVIISectionAGrp/PersonNm0GUADALUPE G LARA
IRS990/Form990PartVIISectionAGrp/PersonNm1PAUL W STUART
IRS990/Form990PartVIISectionAGrp/PersonNm2CHARLENE P AUGUSTYN
IRS990/Form990PartVIISectionAGrp/PersonNm3JAN GILLESPIE
IRS990/Form990PartVIISectionAGrp/PersonNm4JOAN STEFANSKI
IRS990/Form990PartVIISectionAGrp/PersonNm5RUDOLPH R MONTANO JR
IRS990/Form990PartVIISectionAGrp/PersonNm6DAVID C PRYBYS
IRS990/Form990PartVIISectionAGrp/PersonNm7RAYMOND F REDMOND
IRS990/Form990PartVIISectionAGrp/PersonNm8JUANITA M REID
IRS990/Form990PartVIISectionAGrp/PersonNm9GAIL WESTOVER
IRS990/Form990PartVIISectionAGrp/PersonNm10GARY MOODY
IRS990/Form990PartVIISectionAGrp/PersonNm11STEPHEN GRECH
IRS990/Form990PartVIISectionAGrp/PersonNm12THOMAS SCHAEFFLER
IRS990/Form990PartVIISectionAGrp/PersonNm13DAVID SOMMERS
IRS990/Form990PartVIISectionAGrp/PersonNm14DAVID BREUER
IRS990/Form990PartVIISectionAGrp/PersonNm15TERRY JAGIELSKI
IRS990/Form990PartVIISectionAGrp/PersonNm16SWAMINATHAN SEETHARAMAN
IRS990/Form990PartVIISectionAGrp/PersonNm17ERNESTA TOBIN
IRS990/Form990PartVIISectionAGrp/PersonNm18SCOTT BONACORSI
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/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10406308
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11225546
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12268867
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13171952
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14199066
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15322678
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16155999
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17131314
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18118477
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/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE CHAIRWOMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11EVP/LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP INDIRECT LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP/CHIEF MEMBER EXPERIENCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP OF WEALTH MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP/CHIEF HUMAN RESOURCE
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01938
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0128797
IRS990/GainOrLossGrp/SecuritiesAmt01396125
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt010000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0445924
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt079300150
IRS990/GrossReceiptsAmt0122310898
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt015
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt021805
IRS990/InsuranceGrp/TotalAmt0269050
IRS990/InterestGrp/TotalAmt0202350
IRS990/InvestmentIncomeGrp/ExclusionAmt0923686
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0923686
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0106842053
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt028462875
IRS990/IRPDocumentCnt015531
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt018722968
IRS990/LandBldgEquipBasisNetGrp/BOYAmt026492447
IRS990/LandBldgEquipBasisNetGrp/EOYAmt029202588
IRS990/LandBldgEquipCostOrOtherBssAmt047925556
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0317127
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt077904025
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0212466
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt0212466
IRS990/MissionDesc0CREDIT UNION ONE IS COMMITTED TO PROVIDING EXCEPTIONAL VALUE TO ITS MEMBERS BY DELIVERING OUTSTANDING PRODUCTS AND SERVICES ANYTIME, ANYWHERE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt05000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt025000000
IRS990/NetAssetsOrFundBalancesBOYAmt063381547
IRS990/NetAssetsOrFundBalancesEOYAmt073148448
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt01524922
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01524922
IRS990/NetUnrelatedBusTxblIncmAmt0-213035
IRS990/NetUnrlzdGainsLossesInvstAmt0-912774
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01781213
IRS990/OfficeExpensesGrp/TotalAmt0535653
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt018839277
IRS990/OtherAssetsTotalGrp/EOYAmt019991134
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0990994
IRS990/OtherExpensesGrp/Desc0OFFICE OPERATIONS
IRS990/OtherExpensesGrp/Desc1EQUIPMENT RENTAL & MAIN
IRS990/OtherExpensesGrp/Desc2DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt02310142
IRS990/OtherExpensesGrp/TotalAmt12018297
IRS990/OtherExpensesGrp/TotalAmt21765673
IRS990/OtherExpensesGrp/TotalAmt31322784
IRS990/OtherLiabilitiesGrp/BOYAmt0699462819
IRS990/OtherLiabilitiesGrp/EOYAmt0718296707
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2524298
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/Desc1FINANCIAL SERVICES INCOME
IRS990/OtherRevenueMiscGrp/Desc2INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0777696
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0777696
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1375232
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2261116
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0375232
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt1261116
IRS990/OtherRevenueTotalAmt01626510
IRS990/OtherSalariesAndWagesGrp/TotalAmt012623019
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0562155840
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0642627264
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01132109
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01386614
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01756637
IRS990/PrincipalOfficerNm0GARY MOODY
IRS990/PriorPeriodAdjustmentsAmt0317
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOANS TO CU MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc1PROCESSING FEES FOR MEMBER ACTIVI
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt024554786
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt115459842
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt024554786
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt115459842
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION AWARDED $10,000 IN COLLEGE SCHOLARSHIPS TO GRADUATING HIGH SCHOOL STUDENTS.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE CREDIT UNION PARTICIPATED IN THE WALK FOR WARMTH AND THE CHILDREN'S HOSPITAL WALK FOR DIABETES. WE CONTRIBUTED $40,000 TO THE KARMANOS CANCER INSTITUTE.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt06000
IRS990/PYInvestmentIncomeAmt01571644
IRS990/PYOtherExpensesAmt019834051
IRS990/PYOtherRevenueAmt01746254
IRS990/PYProgramServiceRevenueAmt038729947
IRS990/PYRevenuesLessExpensesAmt07739903
IRS990/PYSalariesCompEmpBnftPaidAmt014467891
IRS990/PYTotalExpensesAmt034307942
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt042047845
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt08043969
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt09915919
IRS990/ReconcilationRevenueExpnssAmt010679358
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt063381547
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt073148448
IRS990/SavingsAndTempCashInvstGrp/BOYAmt027466678
IRS990/SavingsAndTempCashInvstGrp/EOYAmt069828621
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt018309768
IRS990ScheduleD/BuildingsGrp/DepreciationAmt09463300
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt027773068
IRS990ScheduleD/EquipmentGrp/BookValueAmt02338823
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07966621
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt010305444
IRS990ScheduleD/ExpensesNotReportedAmt00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$821,636,173
Liabilities
$748,487,725
Net assets
$73,148,448
Revenue
$44,089,746
Expenses
$33,410,388
Net income
$10,679,358
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$1,758$1,632$126$70.3$59.5$10.7
2021Detailed filing. Detailed filing data is available for this year.$1,817$1,682$136$62.9$52.6$10.3
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,660$1,529$131$68.2$60.7$7.52
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,490$1,368$122$66.7$57.2$9.50
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,191$1,082$109$59.1$48.3$10.8
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,145$1,046$99.3$54.1$48.0$6.12
2016Detailed filing. Detailed filing data is available for this year.$1,090$996$93.7$54.8$51.8$2.97
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,023$931$92.2$50.8$45.8$5.06
2014Detailed filing. Detailed filing data is available for this year.$850$768$82.0$46.8$37.9$8.87
2013Detailed filing. Detailed filing data is available for this year.$822$748$73.1$44.1$33.4$10.7
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$773$709$63.4$34.3
2011Summary only. Only limited summary data is available for this year.$743$688$55.4$44.4$39.3$5.12
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$727$678$49.2$48.0