Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2014 • EIN 38-0536242

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 12, 2015

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

66th percentile

0.90x

Higher debt load relative to assets than 66% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Liabilities / Revenue

33rd percentile

16.42x

Higher debt load relative to revenue than 33% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Net Margin

72nd percentile

19%

Higher net margin than 72% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Top Officer Pay

70th percentile

$463,249

Higher top officer pay than 70% of similar nonprofits.

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

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Asset Growth

33rd percentile

3.5%

Faster asset growth than 33% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Revenue Growth

75th percentile

6.1%

Faster revenue growth than 75% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets66th percentile

Assets

Up

$850,302,557

Up $28,666,384 (+3.5%) from 2013

Net Assets

Up

$81,981,228

Up $8,832,780 (+12%) from 2013

Liabilities

Up

$768,321,329

Up $19,833,604 (+2.6%) from 2013

Revenue And Expenses
Liabilities / Revenue33rd percentileNet Margin72nd percentile

Revenue

Up

$46,793,924

Up $2,704,178 (+6.1%) from 2013

Expenses

Up

$37,927,984

Up $4,517,596 (+14%) from 2013

Net Income

Down

$8,865,940

Down $1,813,418 (-17%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth33rd 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

2014

Assets$850,302,557
Liabilities$768,321,329
Net Assets$81,981,228
Open 2014 Filing

Operations Trend

Revenue Growth75th 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

2014

Revenue$46,793,924
Expenses$37,927,984
Net Income$8,865,940
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 12, 2015
Return Version
2014v5.0
Gross Receipts
$221,245,698
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 $1,166,499 in dividends and interest on the deposits held by our 120,230 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 2014 we volunteered our time and talents to support the walk for warmth programs, the children's hospital walk for diabetes, the mottep foundation walk, the step out walk, and the think outside yourself walk. 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$642,627,264$703,299,435▲ $60,672,171
Rtn Earn Endowment Incm Other Fnds$73,148,448$81,981,228▲ $8,832,780
Savings and Temporary Cash Investments$69,828,621$42,222,860▼ $27,605,761
Land, Buildings, and Equipment, Net$29,202,588$30,564,786▲ $1,362,198
Cash and Non-Interest-Bearing Accounts$19,605,951$18,417,504▼ $1,188,447
Investments Other Securities$28,462,875$13,788,196▼ $14,674,679
Receivables From Officers Etc$9,915,919$11,786,420▲ $1,870,501
Prepaid Expenses and Deferred Charges$1,756,637$1,675,324▼ $81,313
Accounts Receivable$245,184$344,569▲ $99,385
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$821,636,173$850,302,557▲ $28,666,384
Other Assets Total$19,991,134$28,203,463▲ $8,212,329
Liabilities
Other Liabilities$718,296,707$758,015,389▲ $39,718,682
Mortgage Notes Payable Secured by Investment Property$25,000,000$0▼ $25,000,000
Accounts Payable and Accrued Expenses$5,191,018$10,305,940▲ $5,114,922
Total Liabilities$748,487,725$768,321,329▲ $19,833,604
Net Assets / Fund Balance
Total Net Assets Fund Balance$73,148,448$81,981,228▲ $8,832,780
Total Liabilities and Net Assets / Fund Balance$821,636,173$850,302,557▲ $28,666,384

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$19,180,546$10,001,866$29,182,412
Equipment$2,335,891$8,888,052$11,223,943
Land$6,205,041-$6,205,041
Other Land Buildings$2,802,100$1,079,583$3,881,683
Leasehold Improvements$41,208$285,629$326,837
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gary MoodyPresident and CEOFT$389,042$74,207$463,249
Thomas SchaefflerEvp/COOFT$257,435$40,749$298,184
Stephen GrechEvp/lendingFT$218,919$34,174$253,093
David BreuerSVP/CIOFT$198,837$24,629$223,466
David Scott SommersSVP/CFOFT$176,139$22,913$199,052
Swaminathan SeetharamanSVP/chief Member ExperiencFT$153,651$29,325$182,976
Scott BonacorsiSVP/chief Human ResourceFT$135,112$11,178$146,290
Renee MuccioliVP/salesFT$130,743$10,290$141,033
Yvette WatkinsVP/retail OperationsFT$113,587$9,275$122,862
Paul LeonhardtSVP/lendingFT$73,579$10,093$83,672
Guadalupe G LaraVice Chairwoman-$2,792-$2,792
Rudolph R Montano JrBoard Director-$1,300-$1,300

Board Members and Trustees

NameTitle
Paul W StuartBoard Chairman
Charlene P Augustyn Left 42014Board Director
David C PrybysBoard Director
Gail WestoverBoard Director
Jan GillespieBoard Director
Juanita M ReidBoard Director
Nick NickolopoulosBoard Director
Raymond F RedmondBoard Director
Joan StefanskiSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Co-op NetworkAtm/debit Network9692 HAVEN AVENUE, Racho Cucumonga, CA 91730$2,057,118
FiservData Processing75 REMITTANCE DR STE 1649, Chicago, IL 60675$1,938,883
BerlineMarketing/advertising70 E LONG LAKE ROAD, Bloomfield Hills, MI 48304$587,827
Member First MortgageMortgage Servicing616 44TH STREET SE, Grand Rapids, MI 49548$372,883
Terry JagielskiConsulting14058 LANDINGS WAY, Fenton, MI 48430$233,393
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$40,896,407
Investment Income
$3,498,641
Other Revenue
$2,398,876
Change in Net Assets
$8,865,940

Audited Revenue Reconciliation

Revenue per Audited Statements
$45,485,739
Revenue Not Reported on Financial Statements
$1,308,185
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$1,308,185
Total Revenue per Audited Statements
$45,485,739
Total Revenue per Form 990
$46,793,924
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$20,913,987
Salaries, Compensation, and Employee Benefits$17,003,997
Grants and Similar Amounts Paid$10,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$13,279,234
All Other Expenses---$3,701,555
Advertising---$1,854,523
Other Expenses---$1,773,101
Occupancy---$1,683,599
Fees for Services Other---$1,517,402
Current Officers, Directors, Trustees, and Key Employees---$1,301,342
Payroll Taxes---$1,108,693
Other Employee Benefits---$1,082,040
Depreciation Depletion---$1,039,279
Information Technology---$1,008,233
Office Expenses---$939,245
Travel---$295,775
Insurance---$279,939
Pension Plan Contributions---$232,688
Interest---$222,272
Fees for Services Accounting---$146,680
Fees for Services Legal---$116,818
Conferences and Meetings---$91,583
Grants to Domestic Individuals---$10,000
Total Functional Expenses$0$0$0$37,927,984

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$37,927,984
Expenses per Audited Statements$36,619,799
Total Expenses per Audited Statements$36,619,799
Expenses Not Reported on Financial Statements$1,308,185
Other Expense Adjustments$1,308,185
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$9,915,919$11,786,420▲ $1,870,501
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$758,015,389
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 2015.”

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

Filer Name
Credit Union One
EIN
38-0536242
Phone
2483981210
Address
400 E NINE MILE, FERNDALE, MI 48220

Signing Officer

Name
Gary Moody
Title
President and CEO
Phone
2483981210
Signed
2015-11-12
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
379
Volunteers
10

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Robin D Hoag CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Equity acquired in business combination 70,161.”

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 2011 - 2014.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Miscellaneous income 819,440. Writedown of coli to csv 488,745.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Miscellaneous income 819,440. Writedown of coli to csv 488,745.”

Raw XML AppendixShowing 400 of 707 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 $1,166,499 IN DIVIDENDS AND INTEREST ON THE DEPOSITS HELD BY OUR 120,230 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 2014 WE VOLUNTEERED OUR TIME AND TALENTS TO SUPPORT THE WALK FOR WARMTH PROGRAMS, THE CHILDREN'S HOSPITAL WALK FOR DIABETES, THE MOTTEP FOUNDATION WALK, THE STEP OUT WALK, AND THE THINK OUTSIDE YOURSELF WALK. 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 2012, THE CREDIT UNION STARTED AN INITIATIVE TO OFFER MORE AFFORDABLE LOANS TO OUR MEMBERSHIP. WE STARTED 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 EXPANDED THE AMOUNT OF FUNDS AVAILABLE FOR THESE TYPES OF LOANS IN 2013 AND IN 2014. IN LATE 2014, WE CREATED TWO NEW PRODUCTS. ONE WAS TO HELP MEMBERS THAT HAD BEEN ADVERSELY AFFECTED BY THE ECONOMY REBUILD THEIR CREDIT AND THE OTHER WAS TO HELP BORROWERS GAIN ACCESS TO SMALL DOLLAR AMOUNT UNSECURED LOANS AS AN ALTERNATIVE TO PAY DAY LOANS.
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1313537
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1412399
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1510093
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt166202
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1710290
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1814528
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt199275
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IRS990/Form990PartVIISectionAGrp/PersonNm1PAUL W STUART
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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/PersonNm10NICK NICKOLOPOULOS
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IRS990/Form990PartVIISectionAGrp/PersonNm12STEPHEN GRECH
IRS990/Form990PartVIISectionAGrp/PersonNm13THOMAS SCHAEFFLER
IRS990/Form990PartVIISectionAGrp/PersonNm14DAVID SCOTT SOMMERS
IRS990/Form990PartVIISectionAGrp/PersonNm15PAUL LEONHARDT
IRS990/Form990PartVIISectionAGrp/PersonNm16DAVID BREUER
IRS990/Form990PartVIISectionAGrp/PersonNm17RENEE MUCCIOLI
IRS990/Form990PartVIISectionAGrp/PersonNm18SWAMINATHAN SEETHARAMAN
IRS990/Form990PartVIISectionAGrp/PersonNm19YVETTE WATKINS
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19113587
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20135112
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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/TitleTxt10BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP/LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt13EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP/LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP/CHIEF MEMBER EXPERIENC
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP/RETAIL OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP/CHIEF HUMAN RESOURCE
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IRS990/FormationYr01938
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IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt02357223
IRS990/GainOrLossGrp/SecuritiesAmt0-23280
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt010000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0160704571
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt016081146
IRS990/GrossReceiptsAmt0221245698
IRS990/GroupExemptionNum01359
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IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
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IRS990/IndivRcvdGreaterThan100KCnt016
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01008233
IRS990/InsuranceGrp/TotalAmt0279939
IRS990/InterestGrp/TotalAmt0222272
IRS990/InvestmentIncomeGrp/ExclusionAmt01164698
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01164698
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt028462875
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt013788196
IRS990/IRPDocumentCnt015764
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt020255130
IRS990/LandBldgEquipBasisNetGrp/BOYAmt029202588
IRS990/LandBldgEquipBasisNetGrp/EOYAmt030564786
IRS990/LandBldgEquipCostOrOtherBssAmt050819916
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0158347348
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt016104426
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt038515
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0394451
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt0355936
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/BOYAmt025000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt073148448
IRS990/NetAssetsOrFundBalancesEOYAmt081981228
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt02333943
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt02333943
IRS990/NetUnrelatedBusTxblIncmAmt0-180733
IRS990/NetUnrlzdGainsLossesInvstAmt0-103321
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01683599
IRS990/OfficeExpensesGrp/TotalAmt0939245
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt019991134
IRS990/OtherAssetsTotalGrp/EOYAmt028203463
IRS990/OtherChangesInNetAssetsAmt070161
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01082040
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1OFFICE OPERATIONS
IRS990/OtherExpensesGrp/Desc2EQUIPMENT RENTAL & MAIN
IRS990/OtherExpensesGrp/Desc3DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/TotalAmt02266186
IRS990/OtherExpensesGrp/TotalAmt12204397
IRS990/OtherExpensesGrp/TotalAmt21773400
IRS990/OtherExpensesGrp/TotalAmt31773101
IRS990/OtherLiabilitiesGrp/BOYAmt0718296707
IRS990/OtherLiabilitiesGrp/EOYAmt0758015389
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2524298
IRS990/OtherRevenueMiscGrp/Desc0CAPITALIZATION OF SERVICE RIGHTS
IRS990/OtherRevenueMiscGrp/Desc1MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/Desc2INSURANCE INCOME
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1819440
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0931507
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1819440
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2253478
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0253478
IRS990/OtherRevenueTotalAmt02398876
IRS990/OtherSalariesAndWagesGrp/TotalAmt013279234
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0642627264
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0703299435
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IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01756637
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01675324
IRS990/PrincipalOfficerNm0GARY MOODY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOANS TO CU MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc1PROCESSING FEES FOR MEMBER ACTIVI
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt116020130
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt024876277
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt116020130
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION AWARDED $10,000 IN COLLEGE SCHOLARSHIPS TO GRADUATING HIGH SCHOOL STUDENTS IN WHICH CHECKS ARE WRITTEN DIRECTLY TO THE SCHOOL FOR EACH SCHOLARSHIP.
IRS990/ProgSrvcAccomActy3Grp/Desc0CREDIT UNION ONE PARTICIPATED IN MANY CHARITABLE EVENTS INCLUDING: BEAUMONT HOSPITAL-CHILDREN'S MIRACLE NETWORK RADIOTHON, WALK FOR WARMTH, WALK FOR MIRACLES, AND THE DETROIT MINORITY ORGAN TISSUE TRANSPLANT EDUCATION PROGRAM (MOTTEP). ALSO, CREDIT UNION ONE CONTRIBUTED $52,342 TO THE KARMANOS CANCER INSTITUTE.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt010000
IRS990/PYInvestmentIncomeAmt02448608
IRS990/PYOtherExpensesAmt017528568
IRS990/PYOtherRevenueAmt01626510
IRS990/PYProgramServiceRevenueAmt040014628
IRS990/PYRevenuesLessExpensesAmt010679358
IRS990/PYSalariesCompEmpBnftPaidAmt015871820
IRS990/PYTotalExpensesAmt033410388
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt044089746
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt09915919
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt011786420
IRS990/ReconcilationRevenueExpnssAmt08865940
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$850,302,557
Liabilities
$768,321,329
Net assets
$81,981,228
Revenue
$46,793,924
Expenses
$37,927,984
Net income
$8,865,940
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