Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2015 • EIN 38-0536242

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 09, 2016

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

82nd percentile

0.91x

Higher debt load relative to assets than 82% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Liabilities / Revenue

32nd percentile

18.31x

Higher debt load relative to revenue than 32% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Net Margin

12th percentile

10.0%

Higher net margin than 12% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Top Officer Pay

17th percentile

$494,456

Higher top officer pay than 17% of similar nonprofits.

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

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Asset Growth

93rd percentile

20%

Faster asset growth than 93% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Revenue Growth

62nd percentile

8.7%

Faster revenue growth than 62% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$1,023,387,544

Up $173,084,987 (+20%) from 2014

Net Assets

Up

$92,198,899

Up $10,217,671 (+12%) from 2014

Liabilities

Up

$931,188,645

Up $162,867,316 (+21%) from 2014

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin12th percentile

Revenue

Up

$50,844,055

Up $4,050,131 (+8.7%) from 2014

Expenses

Up

$45,784,739

Up $7,856,755 (+21%) from 2014

Net Income

Down

$5,059,316

Down $3,806,624 (-43%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth93rd 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

2015

Assets$1,023,387,544
Liabilities$931,188,645
Net Assets$92,198,899
Open 2015 Filing

Operations Trend

Revenue Growth62nd 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

2015

Revenue$50,844,055
Expenses$45,784,739
Net Income$5,059,316
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 9, 2016
Return Version
2015v2.1
Gross Receipts
$148,261,327
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 2015 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$703,299,435$815,360,328▲ $112,060,893
Rtn Earn Endowment Incm Other Fnds$81,981,228$92,198,899▲ $10,217,671
Savings and Temporary Cash Investments$42,222,860$88,782,692▲ $46,559,832
Land, Buildings, and Equipment, Net$30,564,786$32,370,109▲ $1,805,323
Investments Other Securities$13,788,196$22,001,932▲ $8,213,736
Cash and Non-Interest-Bearing Accounts$18,417,504$15,170,107▼ $3,247,397
Receivables From Officers Etc$11,786,420$13,656,921▲ $1,870,501
Prepaid Expenses and Deferred Charges$1,675,324$1,397,978▼ $277,346
Accounts Receivable$344,569$999,035▲ $654,466
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$850,302,557$1,023,387,544▲ $173,084,987
Other Assets Total$28,203,463$33,648,442▲ $5,444,979
Liabilities
Other Liabilities$758,015,389$916,078,353▲ $158,062,964
Accounts Payable and Accrued Expenses$10,305,940$15,110,292▲ $4,804,352
Total Liabilities$768,321,329$931,188,645▲ $162,867,316
Net Assets / Fund Balance
Total Net Assets Fund Balance$81,981,228$92,198,899▲ $10,217,671
Total Liabilities and Net Assets / Fund Balance$850,302,557$1,023,387,544▲ $173,084,987

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$20,504,098$10,625,081$31,129,179
Equipment$2,223,093$9,380,334$11,603,427
Land$6,205,041-$6,205,041
Other Land Buildings$3,415,471$1,674,697$5,090,168
Leasehold Improvements$22,406$304,431$326,837
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gary MoodyPresident and CEOFT$436,350$58,106$494,456
Thomas SchaefflerEvp/COOFT$279,002$39,104$318,106
Stephen GrechEvp/lendingFT$242,365$31,347$273,712
David BreuerSVP/CIOFT$212,082$41,295$253,377
David Scott SommersSVP/CFOFT$187,640$20,060$207,700
Swaminathan SeetharamanSVP/chief Member ExperiencFT$170,029$21,526$191,555
Paul LeonhardtSVP/lendingFT$163,099$15,218$178,317
Scott BonacorsiSVP/chief Human ResourceFT$138,389$15,034$153,423
Renee MuccioliVP/salesFT$134,947$7,002$141,949
Steven SmithVP/enterprise SolutionsFT$130,253$3,050$133,303
Guadalupe G LaraVice Chairwoman-$1,218-$1,218
Rudolph R Montano JrBoard Director-$899-$899

Board Members and Trustees

NameTitle
Paul W StuartBoard Chairman
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
FiservData Processing75 REMITTANCE DR STE 1649, Chicago, IL 60675$1,835,461
IdsPrinting747 E WHITCOMB, Madison Heights, MI 48071$626,882
Corrado ContractingContractor27530 FAIRFIELD, Warren, MI 48088$315,915
Mckenna Heating And CoolingHeating And Cooling6417 CENTER DRIVE, Sterling Heights, MI 48312$302,609
Allied Printing CoPrinting22438 WOODWARD AVE, Ferndale, MI 48304$295,630
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$46,408,519
Investment Income
$1,332,444
Other Revenue
$3,103,092
Change in Net Assets
$5,059,316

Audited Revenue Reconciliation

Revenue per Audited Statements
$49,712,768
Revenue Not Reported on Financial Statements
$1,131,287
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$1,131,287
Total Revenue per Audited Statements
$49,712,768
Total Revenue per Form 990
$50,844,055
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$25,705,104
Salaries, Compensation, and Employee Benefits$20,069,635
Grants and Similar Amounts Paid$10,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$15,936,747
All Other Expenses---$3,564,890
Advertising---$2,080,769
Other Expenses---$1,790,588
Occupancy---$1,625,731
Current Officers, Directors, Trustees, and Key Employees---$1,474,408
Payroll Taxes---$1,295,100
Office Expenses---$1,261,795
Information Technology---$1,242,607
Depreciation Depletion---$1,192,202
Other Employee Benefits---$1,084,568
Fees for Services Other---$1,020,618
Fees for Services Legal---$575,720
Travel---$284,704
Pension Plan Contributions---$278,812
Insurance---$254,794
Fees for Services Accounting---$231,615
Conferences and Meetings---$126,601
Interest---$36,689
Grants to Domestic Individuals---$10,000
Total Functional Expenses$0$0$0$45,784,739

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$45,784,739
Expenses per Audited Statements$44,653,452
Total Expenses per Audited Statements$44,653,452
Expenses Not Reported on Financial Statements$1,131,287
Other Expense Adjustments$1,131,287
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$11,786,420$13,656,921▲ $1,870,501
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$916,078,353
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
Yes
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 4

“Credit union one merged with good shephard credit union effective 7/1/15. Credit union one also opened our field of membership to all of michigan.”

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 january 2017.”

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
2016-11-09
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
407
Volunteers
12

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 5,198,358.”

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 2012 - 2015.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Miscellaneous income 890,493. Writedown of coli to csv 240,794.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Miscellaneous income 890,493. Writedown of coli to csv 240,794.”

Raw XML AppendixShowing 400 of 730 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 2015 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/Form990PartVIISectionAGrp/OfficerInd2X
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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/OtherCompensationAmt1015066
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1111771
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1210628
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1310477
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt148218
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt165050
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt177002
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt187077
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt198034
IRS990/Form990PartVIISectionAGrp/PersonNm0GUADALUPE G LARA
IRS990/Form990PartVIISectionAGrp/PersonNm1PAUL W STUART
IRS990/Form990PartVIISectionAGrp/PersonNm2JAN GILLESPIE
IRS990/Form990PartVIISectionAGrp/PersonNm3JOAN STEFANSKI
IRS990/Form990PartVIISectionAGrp/PersonNm4RUDOLPH R MONTANO JR
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVID C PRYBYS
IRS990/Form990PartVIISectionAGrp/PersonNm6RAYMOND F REDMOND
IRS990/Form990PartVIISectionAGrp/PersonNm7JUANITA M REID
IRS990/Form990PartVIISectionAGrp/PersonNm8GAIL WESTOVER
IRS990/Form990PartVIISectionAGrp/PersonNm9NICK NICKOLOPOULOS
IRS990/Form990PartVIISectionAGrp/PersonNm10GARY MOODY
IRS990/Form990PartVIISectionAGrp/PersonNm11STEPHEN GRECH
IRS990/Form990PartVIISectionAGrp/PersonNm12THOMAS SCHAEFFLER
IRS990/Form990PartVIISectionAGrp/PersonNm13DAVID SCOTT SOMMERS
IRS990/Form990PartVIISectionAGrp/PersonNm14PAUL LEONHARDT
IRS990/Form990PartVIISectionAGrp/PersonNm15STEVEN SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm16DAVID BREUER
IRS990/Form990PartVIISectionAGrp/PersonNm17RENEE MUCCIOLI
IRS990/Form990PartVIISectionAGrp/PersonNm18SWAMINATHAN SEETHARAMAN
IRS990/Form990PartVIISectionAGrp/PersonNm19SCOTT BONACORSI
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15130253
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16248327
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18184478
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
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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/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE CHAIRWOMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD DIRECTOR
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/LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP/ENTERPRISE SOLUTIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP/CHIEF MEMBER EXPERIENC
IRS990/Form990PartVIISectionAGrp/TitleTxt19SVP/CHIEF HUMAN RESOURCE
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IRS990/FormationYr01938
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0752134
IRS990/GainOrLossGrp/SecuritiesAmt0-10463
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt010000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt090590406
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt07568537
IRS990/GrossReceiptsAmt0148261327
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt020
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01242607
IRS990/InsuranceGrp/TotalAmt0254794
IRS990/InterestGrp/TotalAmt036689
IRS990/InvestmentIncomeGrp/ExclusionAmt0590773
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0590773
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt013788196
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt022001932
IRS990/IRPDocumentCnt016628
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt021984543
IRS990/LandBldgEquipBasisNetGrp/BOYAmt030564786
IRS990/LandBldgEquipBasisNetGrp/EOYAmt032370109
IRS990/LandBldgEquipCostOrOtherBssAmt054354652
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt089838272
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt07579000
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0515930
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt0515930
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/NetAssetsOrFundBalancesBOYAmt081981228
IRS990/NetAssetsOrFundBalancesEOYAmt092198899
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0741671
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0741671
IRS990/NetUnrelatedBusTxblIncmAmt0-86249
IRS990/NetUnrlzdGainsLossesInvstAmt0-40003
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01625731
IRS990/OfficeExpensesGrp/TotalAmt01261795
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt028203463
IRS990/OtherAssetsTotalGrp/EOYAmt033648442
IRS990/OtherChangesInNetAssetsAmt05198358
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01084568
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1OFFICE OPERATIONS
IRS990/OtherExpensesGrp/Desc2EQUIPMENT RENTAL & MAIN
IRS990/OtherExpensesGrp/Desc3DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/TotalAmt04073977
IRS990/OtherExpensesGrp/TotalAmt13659705
IRS990/OtherExpensesGrp/TotalAmt22682099
IRS990/OtherExpensesGrp/TotalAmt31790588
IRS990/OtherLiabilitiesGrp/BOYAmt0758015389
IRS990/OtherLiabilitiesGrp/EOYAmt0916078353
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0BARGAIN PURCHASE GAIN
IRS990/OtherRevenueMiscGrp/Desc1MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/Desc2CAPITALIZATION OF SERVICE RIGHTS
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01344305
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1890493
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2352364
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01344305
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1890493
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2352364
IRS990/OtherRevenueTotalAmt03103092
IRS990/OtherSalariesAndWagesGrp/TotalAmt015936747
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0815360328
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IRS990/PayrollTaxesGrp/TotalAmt01295100
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IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
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IRS990/PoliticalCampaignActyInd00
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01397978
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/RelatedOrExemptFuncIncomeAmt116223531
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt030184988
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt116223531
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION AWARDED $10,000 IN COLLEGE SCHOLARSHIPS TO 9 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, 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/PYInvestmentIncomeAmt03498641
IRS990/PYOtherExpensesAmt020913987
IRS990/PYOtherRevenueAmt02398876
IRS990/PYProgramServiceRevenueAmt040896407
IRS990/PYRevenuesLessExpensesAmt08865940
IRS990/PYSalariesCompEmpBnftPaidAmt017003997
IRS990/PYTotalExpensesAmt037927984
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt046793924
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt011786420
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt013656921
IRS990/ReconcilationRevenueExpnssAmt05059316
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt081981228
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt092198899
IRS990/SavingsAndTempCashInvstGrp/BOYAmt042222860
IRS990/SavingsAndTempCashInvstGrp/EOYAmt088782692
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt020504098

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,023,387,544
Liabilities
$931,188,645
Net assets
$92,198,899
Revenue
$50,844,055
Expenses
$45,784,739
Net income
$5,059,316
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
2015Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $1B+ nonprofits