Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2016 • EIN 38-0536242

Jan 01, 2016 to Dec 31, 2016 • Filed on Sep 01, 2017

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

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

31st percentile

18.19x

Higher debt load relative to revenue than 31% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

4th percentile

5.4%

Higher net margin than 4% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

12th percentile

$484,790

Higher top officer pay than 12% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

28th percentile

6.5%

Faster asset growth than 28% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

34th percentile

7.7%

Faster revenue growth than 34% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets81st percentile

Assets

Up

$1,089,661,350

Up $66,273,806 (+6.5%) from 2015

Net Assets

Up

$93,669,961

Up $1,471,062 (+1.6%) from 2015

Liabilities

Up

$995,991,389

Up $64,802,744 (+7.0%) from 2015

Revenue And Expenses
Liabilities / Revenue31st percentileNet Margin4th percentile

Revenue

Up

$54,769,057

Up $3,925,002 (+7.7%) from 2015

Expenses

Up

$51,797,880

Up $6,013,141 (+13%) from 2015

Net Income

Down

$2,971,177

Down $2,088,139 (-41%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth28th 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

2016

Assets$1,089,661,350
Liabilities$995,991,389
Net Assets$93,669,961
Open 2016 Filing

Operations Trend

Revenue Growth34th 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

2016

Revenue$54,769,057
Expenses$51,797,880
Net Income$2,971,177
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Sep 1, 2017
Return Version
2016v3.0
Gross Receipts
$57,937,845
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 $2,663,541 in dividends and interest on the deposits held by our 134,713 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 2016 we volunteered our time and talents to support beaumont hospital-children's miracle network, walk for warmth, walk for miracles, forgotten harvest and hantz farms. 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$815,360,328$783,237,265▼ $32,123,063
Savings and Temporary Cash Investments$88,782,692$139,111,609▲ $50,328,917
Rtn Earn Endowment Incm Other Fnds$92,198,899$93,669,961▲ $1,471,062
Investments Other Securities$22,001,932$71,257,676▲ $49,255,744
Land, Buildings, and Equipment, Net$32,370,109$31,026,265▼ $1,343,844
Receivables From Officers Etc$13,656,921$15,527,418▲ $1,870,497
Cash and Non-Interest-Bearing Accounts$15,170,107$13,250,978▼ $1,919,129
Prepaid Expenses and Deferred Charges$1,397,978$1,770,637▲ $372,659
Accounts Receivable$999,035$676,031▼ $323,004
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,023,387,544$1,089,661,350▲ $66,273,806
Other Assets Total$33,648,442$33,803,471▲ $155,029
Liabilities
Other Liabilities$916,078,353$980,830,885▲ $64,752,532
Accounts Payable and Accrued Expenses$15,110,292$15,160,504▲ $50,212
Total Liabilities$931,188,645$995,991,389▲ $64,802,744
Net Assets / Fund Balance
Total Net Assets Fund Balance$92,198,899$93,669,961▲ $1,471,062
Total Liabilities and Net Assets / Fund Balance$1,023,387,544$1,089,661,350▲ $66,273,806

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$20,206,835$11,343,619$31,550,454
Equipment$4,205,752$12,455,959$16,661,711
Land$6,205,041-$6,205,041
Other Land Buildings$392,088$577,429$969,517
Leasehold Improvements$16,549$310,288$326,837
Other Securities$15,018,699--
Compensation and Service Providers
Top Officer Pay12th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gary MoodyPresident and CEOFT$433,704$51,086$484,790
Thomas SchaefflerEvp/COOFT$241,066$83,748$324,814
Stephen GrechEvp/lendingFT$236,934$41,899$278,833
David BreuerSVP/CIOFT$211,015$29,099$240,114
Swaminathan SeetharamanSVP/chief Member ExperienceFT$164,880$35,692$200,572
Paul LeonhardtSVP/lendingFT$158,917$20,099$179,016
Donna ReidSVP,CMOFT$145,390$13,031$158,421
Scott BonacorsiSVP/chief Human ResourcesFT$140,401$15,390$155,791
Renee MuccioliVP/salesFT$126,711$13,332$140,043
Julie MillsNeed TitleFT$121,460$12,941$134,401
Steven SmithVP/enterprise SolutionsFT$127,417$3,458$130,875
Christina SaucedoSVP/CFOFT$103,288$5,625$108,913
David Scott SommersSVP/CFOFT$86,579$5,512$92,091
Guadalupe G LaraVice Chairwoman-$1,594-$1,594
Rudolph R Montano JrBoard Director-$1,225-$1,225
Jan GillespieBoard Director-$634-$634

Board Members and Trustees

NameTitle
Paul W StuartBoard Chairman
Christine Dowhan-baileyAssociate Director
Mary SissenAssociate Director
David C PrybysBoard Director
Gail WestoverBoard 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$707,610
IdsPrinting747 E WHITCOMB, Madison Heights, MI 48071$592,774
SwbcMortgagesPO BOX 795027, San Antonio, TX 78279$370,989
FisData ProcessingPO BOX 4535, Carol Stream, IL 60197$349,991
Media LogicMarketing59 WOLF ROAD, Albany, NY 12205$306,463
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$52,902,672
Investment Income
$1,376,942
Other Revenue
$489,443
Change in Net Assets
$2,971,177

Audited Revenue Reconciliation

Revenue per Audited Statements
$54,769,057
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-341,984
Total Revenue per Audited Statements
$54,427,073
Total Revenue per Form 990
$54,769,057
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$32,215,779
Salaries, Compensation, and Employee Benefits$19,572,101
Grants and Similar Amounts Paid$10,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$14,659,906
Depreciation Depletion---$2,830,169
Advertising---$2,687,322
Interest---$2,663,541
Occupancy---$2,463,570
Information Technology---$2,352,692
Current Officers, Directors, Trustees, and Key Employees---$1,912,596
Other Employee Benefits---$1,561,653
Office Expenses---$1,496,430
Other Expenses---$1,484,883
Payroll Taxes---$1,223,333
Fees for Services Management---$977,905
Fees for Services Other---$545,751
Fees for Services Accounting---$508,651
Conferences and Meetings---$365,105
All Other Expenses---$324,114
Insurance---$292,512
Pension Plan Contributions---$214,613
Travel---$198,663
Payments to Affiliates---$55,522
Grants to Domestic Individuals---$10,000
Total Functional Expenses$0$0$0$51,797,880

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$51,797,880
Expenses per Audited Statements$51,455,896
Total Expenses per Audited Statements$51,455,896
Expenses Not Reported on Financial Statements$341,984
Other Expense Adjustments$341,984
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$13,656,921$15,527,418▲ $1,870,497
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$980,830,885
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 11B

“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
2017-09-01
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
395
Volunteers
12

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Douglas J Orth CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Amounts reclassified from oci from the gains/losses on afs investments -10,823. Post retirement benefit plan gains 107,497. Post retirement benefit plan amortization included in net earnings -34,859. Prior period adjustment related to unrecorded liability-see sch o narrative -416,515.”

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.”

FORM 990, PART XI, LINE 9:

“Due to an unrecorded liability from prior years related to interest income received above stated contract rates, a prior period adjustment in the amount of $416,515 was recorded to increase accrued liabilities and to decrease undivided earnings for the impact.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute (internal revenue code section 501(c)(14), from federal income tax.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Holding losses and/or losses from disposition of assets -181,177. Writedown of coli to cash surrender value -160,807.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Holding losses and/or losses from disposition of assets 181,177. Writedown of coli to cash surrender value 160,807.”

Raw XML AppendixShowing 400 of 772 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 $2,663,541 IN DIVIDENDS AND INTEREST ON THE DEPOSITS HELD BY OUR 134,713 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 2016 WE VOLUNTEERED OUR TIME AND TALENTS TO SUPPORT BEAUMONT HOSPITAL-CHILDREN'S MIRACLE NETWORK, WALK FOR WARMTH, WALK FOR MIRACLES, FORGOTTEN HARVEST AND HANTZ FARMS. 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/IndividualTrusteeOrDirectorInd10X
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IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
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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/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt129310
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt135512
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt145625
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1515601
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1614515
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt175056
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1814027
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt203458
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2213564
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2412941
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/PersonNm10CHRISTINE DOWHAN-BAILEY
IRS990/Form990PartVIISectionAGrp/PersonNm11MARY SISSEN
IRS990/Form990PartVIISectionAGrp/PersonNm12GARY MOODY
IRS990/Form990PartVIISectionAGrp/PersonNm13DAVID SCOTT SOMMERS
IRS990/Form990PartVIISectionAGrp/PersonNm14CHRISTINA SAUCEDO
IRS990/Form990PartVIISectionAGrp/PersonNm15STEPHEN GRECH
IRS990/Form990PartVIISectionAGrp/PersonNm16THOMAS SCHAEFFLER
IRS990/Form990PartVIISectionAGrp/PersonNm17DAVID BREUER
IRS990/Form990PartVIISectionAGrp/PersonNm18SWAMINATHAN SEETHARAMAN
IRS990/Form990PartVIISectionAGrp/PersonNm19PAUL LEONHARDT
IRS990/Form990PartVIISectionAGrp/PersonNm20STEVEN SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm21RENEE MUCCIOLI
IRS990/Form990PartVIISectionAGrp/PersonNm22SCOTT BONACORSI
IRS990/Form990PartVIISectionAGrp/PersonNm23DONNA REID
IRS990/Form990PartVIISectionAGrp/PersonNm24JULIE MILLS
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12475480
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1386579
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt240
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/TitleTxt10ASSOCIATE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11ASSOCIATE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt15EVP/LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt16EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP/CHIEF MEMBER EXPERIENCE
IRS990/Form990PartVIISectionAGrp/TitleTxt19SVP/LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP/ENTERPRISE SOLUTIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP/SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt22SVP/CHIEF HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt23SVP,CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt24NEED TITLE
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01938
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt030215
IRS990/GainOrLossGrp/SecuritiesAmt03631
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt010000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0353976
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt02848658
IRS990/GrossReceiptsAmt057937845
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt019
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02352692
IRS990/InsuranceGrp/TotalAmt0292512
IRS990/InterestGrp/TotalAmt02663541
IRS990/InvestmentIncomeGrp/ExclusionAmt01343096
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01343096
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt022001932
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt071257676
IRS990/IRPDocumentCnt014368
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt024687295
IRS990/LandBldgEquipBasisNetGrp/BOYAmt032370109
IRS990/LandBldgEquipBasisNetGrp/EOYAmt031026265
IRS990/LandBldgEquipCostOrOtherBssAmt055713560
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0323761
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt02845027
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
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/NetAssetsOrFundBalancesBOYAmt092198899
IRS990/NetAssetsOrFundBalancesEOYAmt093669961
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt033846
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt033846
IRS990/NetUnrelatedBusTxblIncmAmt0-103008
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IRS990/NondeductibleContributionsInd00
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IRS990/OfficeExpensesGrp/TotalAmt01496430
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
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IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt033803471
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IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc3OTHER LOSSES
IRS990/OtherExpensesGrp/TotalAmt08523859
IRS990/OtherExpensesGrp/TotalAmt12522017
IRS990/OtherExpensesGrp/TotalAmt21923073
IRS990/OtherExpensesGrp/TotalAmt31484883
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IRS990/OtherLiabilitiesGrp/EOYAmt0980830885
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IRS990/OtherRevenueMiscGrp/Desc0INSURANCE INCOME
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1220815
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0268628
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt1220815
IRS990/OtherRevenueTotalAmt0489443
IRS990/OtherSalariesAndWagesGrp/TotalAmt014659906
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0815360328
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0783237265
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt055522
IRS990/PayrollTaxesGrp/TotalAmt01223333
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0214613
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01397978
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01770637
IRS990/PrincipalOfficerNm0GARY MOODY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOANS TO CU MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc1PROCESSING FEES FOR MEMBER ACTIVI
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt034787945
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt118114727
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt034787945
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt118114727
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION AWARDED $10,000 IN COLLEGE SCHOLARSHIPS TO 9GRADUATING HIGH SCHOOL STUDENTS IN WHICH CHECKS ARE WRITTEN DIRECTLY TOTHE SCHOOL FOR EACH SCHOLARSHIP.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt010000
IRS990/PYInvestmentIncomeAmt01332444

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,089,661,350
Liabilities
$995,991,389
Net assets
$93,669,961
Revenue
$54,769,057
Expenses
$51,797,880
Net income
$2,971,177
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2016 filings • 501(c)14 • $1B+ nonprofits