Civic Intelligence

Memberfocus Community Credit Union

EIN 38-0549595 • 501(c)14 • Farmington, MI

Profile

We offer a committment to our members to provide quality financial services in a friendly manner with sound professional leadership.

22981 Farmington RoadFarmington, MI 48336

www.loccreditunion.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

73rd percentile

0.92x

Higher debt load relative to assets than 73% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

82nd percentile

18.40x

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

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

78th percentile

17%

Higher net margin than 78% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

46th percentile

2.5%

Faster asset growth than 46% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

64th percentile

18%

Faster revenue growth than 64% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$445,936,870

Up $10,994,792 (+2.5%) from 2023

Liabilities

Up

$408,881,903

Up $4,694,174 (+1.2%) from 2023

Net Assets

Up

$37,054,967

Up $6,300,618 (+20%) from 2023

Operations
Liabilities / Revenue82nd percentileNet Margin78th percentile

Revenue

Up

$22,216,364

Up $3,439,803 (+18%) from 2023

Expenses

Up

$18,423,660

Up $3,805,602 (+26%) from 2023

Net Income

Down

$3,792,704

Down $365,799 (-8.8%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth46th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600M$400M$200M$0Assets 2010: $86,587,381Liabilities 2010: $76,173,681Net Assets 2010: $10,413,7002010Assets 2011: $89,424,434Liabilities 2011: $78,922,796Net Assets 2011: $10,501,6382011Assets 2012: $92,478,649Liabilities 2012: $81,647,770Net Assets 2012: $10,830,8792012Assets 2013: $92,337,372Liabilities 2013: $83,176,025Net Assets 2013: $9,161,3472013Assets 2014: $95,659,981Liabilities 2014: $85,203,327Net Assets 2014: $10,456,6542014Assets 2015: $97,214,689Liabilities 2015: $86,864,092Net Assets 2015: $10,350,5972015Assets 2016: $100,835,273Liabilities 2016: $90,669,262Net Assets 2016: $10,166,0112016Assets 2017: $103,263,708Liabilities 2017: $93,047,648Net Assets 2017: $10,216,0602017Assets 2018: $103,364,501Liabilities 2018: $93,196,103Net Assets 2018: $10,168,3982018Assets 2019: $107,262,357Liabilities 2019: $95,045,007Net Assets 2019: $12,217,3502019Assets 2020: $126,566,973Liabilities 2020: $113,017,566Net Assets 2020: $13,549,4072020Assets 2021: $137,978,999Liabilities 2021: $125,547,194Net Assets 2021: $12,431,8052021Assets 2022: $450,298,600Liabilities 2022: $426,809,000Net Assets 2022: $23,489,6002022Assets 2023: $434,942,078Liabilities 2023: $404,187,729Net Assets 2023: $30,754,3492023Assets 2024: $445,936,870Liabilities 2024: $408,881,903Net Assets 2024: $37,054,9672024

Highlighted filing

2024

Assets$445,936,870
Liabilities$408,881,903
Net Assets$37,054,967
Open 2024 Filing

Operations Trend

Revenue Growth64th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0-$10MExpenses 2010: $3,889,2822010Expenses 2011: $3,013,0282011Revenue 2012: $3,241,737Expenses 2012: $3,258,790Net Income 2012: -$17,0532012Revenue 2013: $3,325,952Expenses 2013: $3,240,480Net Income 2013: $85,4722013Revenue 2014: $3,124,523Expenses 2014: $2,968,171Net Income 2014: $156,3522014Revenue 2015: $3,117,490Expenses 2015: $3,101,923Net Income 2015: $15,5672015Revenue 2016: $3,324,985Expenses 2016: $3,245,638Net Income 2016: $79,3472016Revenue 2017: $3,573,239Expenses 2017: $3,778,237Net Income 2017: -$204,9982017Revenue 2018: $4,189,194Expenses 2018: $3,740,604Net Income 2018: $448,5902018Revenue 2019: $4,439,588Expenses 2019: $3,565,405Net Income 2019: $874,1832019Revenue 2020: $3,879,886Expenses 2020: $3,315,871Net Income 2020: $564,0152020Revenue 2021: $3,952,650Expenses 2021: $3,363,946Net Income 2021: $588,7042021Revenue 2022: $12,123,686Expenses 2022: $8,405,776Net Income 2022: $3,717,9102022Revenue 2023: $18,776,561Expenses 2023: $14,618,058Net Income 2023: $4,158,5032023Revenue 2024: $22,216,364Expenses 2024: $18,423,660Net Income 2024: $3,792,7042024

Highlighted filing

2024

Revenue$22,216,364
Expenses$18,423,660
Net Income$3,792,704
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$445,936,870
Liabilities
$408,881,903
Net assets
$37,054,967
Revenue
$22,216,364
Expenses
$18,423,660
Net income
$3,792,704
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$446$409$37.1$22.2$18.4$3.79
2023Detailed filing. Detailed filing data is available for this year.$435$404$30.8$18.8$14.6$4.16
2022Detailed filing. Detailed filing data is available for this year.$450$427$23.5$12.1$8.41$3.72
2021Detailed filing. Detailed filing data is available for this year.$138$126$12.4$3.95$3.36$0.59
2020Detailed filing. Detailed filing data is available for this year.$127$113$13.5$3.88$3.32$0.56
2019Detailed filing. Detailed filing data is available for this year.$107$95.0$12.2$4.44$3.57$0.87
2018Detailed filing. Detailed filing data is available for this year.$103$93.2$10.2$4.19$3.74$0.45
2017Detailed filing. Detailed filing data is available for this year.$103$93.0$10.2$3.57$3.78$0.20
2016Detailed filing. Detailed filing data is available for this year.$101$90.7$10.2$3.32$3.25$0.08
2015Detailed filing. Detailed filing data is available for this year.$97.2$86.9$10.4$3.12$3.10$0.02
2014Detailed filing. Detailed filing data is available for this year.$95.7$85.2$10.5$3.12$2.97$0.16
2013Detailed filing. Detailed filing data is available for this year.$92.3$83.2$9.16$3.33$3.24$0.09
2012Summary only. Only limited summary data is available for this year.$92.5$81.6$10.8$3.24$3.26$0.02
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$89.4$78.9$10.5$3.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$86.6$76.2$10.4$3.89
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 29, 2025
Return Version
2024v5.2
Gross Receipts
$24,169,114
Mission and Program Overview

Mission

To provide selective, competitive financial services for our members in the cooperative spirit, while maintaining a strong financial base.

To provide financial services to member owners

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$241,890,216$247,028,690▲ $5,138,474
Investments in Publicly Traded Securities$144,543,563$134,497,294▼ $10,046,269
Rtn Earn Endowment Incm Other Fnds$30,754,349$37,054,967▲ $6,300,618
Savings and Temporary Cash Investments$12,670,001$23,924,724▲ $11,254,723
Land, Buildings, and Equipment, Net$7,710,718$10,534,978▲ $2,824,260
Receivables From Officers Etc$7,379,408$7,513,391▲ $133,983
Investments Other Securities$2,766,139$5,516,713▲ $2,750,574
Cash and Non-Interest-Bearing Accounts$2,744,184$3,821,408▲ $1,077,224
Intangible Assets$4,243,522$3,031,087▼ $1,212,435
Accounts Receivable$1,725,161$1,153,239▼ $571,922
Prepaid Expenses and Deferred Charges$664,364$639,963▼ $24,401
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$434,942,078$445,936,870▲ $10,994,792
Other Assets Total$8,604,802$8,275,383▼ $329,419
Liabilities
Other Liabilities$398,796,756$403,509,389▲ $4,712,633
Accounts Payable and Accrued Expenses$5,390,973$5,372,514▼ $18,459
Total Liabilities$404,187,729$408,881,903▲ $4,694,174
Net Assets / Fund Balance
Total Net Assets Fund Balance$30,754,349$37,054,967▲ $6,300,618
Total Liabilities and Net Assets / Fund Balance$434,942,078$445,936,870▲ $10,994,792

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,872,607$799,778$7,672,385
Land$2,436,000-$2,436,000
Equipment$1,210,100$675,512$1,885,612
Leasehold Improvements$16,271$317,665$333,936
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stephen P GrechPresident/CEOFT$246,023$98,014$344,037
Jonathon ElliottSenior EvpFT$171,504$89,563$261,067
Christena KoesterEvp Operations and TechnologyFT$140,720$101,804$242,524
Kari CiaramitaroEvp FinanceFT$151,788$64,291$216,079
Darin BentleyVP & Chief Information OfficerFT$153,008$45,333$198,341
William CookVP of Real Estate LendingFT$39,309$153,414$192,723
Marc BuchananVP & Chief Marketing/digital Banking OfficerFT$151,671$19,508$171,179
Marc BuchananVP & Chief Marketing/digital Banking-$132,023$39,156$171,179
Kimberly HagstromVP & Chief Financial OfficerFT$130,299$23,229$153,528
John ScottVP & Chief Lending OfficerFT$118,404$24,186$142,590

Board Members and Trustees

NameTitle
Michael LasleyChairperson
Paul J Renko JrV. Chairperson
Anne SchroederDirector
Betty RichardsDirector
David DrakeDirector
Domenic LauriaDirector
Michael ConnollyDirector
Natalie ClemonsDirector
Patrick MontiDirector
Paul WydendorfDirector
Paul HainSecretary
Dale CounteganTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
MdtData Processing30230 ORCHARD LAKE RD, Farmington Hills, MI 48334$756,438
Veleraco-opCard Processing9692 HAVEN AVENUE, Rancho Cucamonga, CA 91730$650,258
AlkamiDigital BankingPO BOX 122223 DEPT 2223, Dallas, TX 75313$417,584
Digmed LLC Dba White64Marketing/loan & New Account Software8603 WESTWOOD CENTER DR, Tysons, VA 22182$356,519
Xfer CommunicationsIt & Network31478 INDUSTRIAL RD STE 200, Livonia, MI 48150$169,250
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,459,044
Investment Income
$4,757,320
Other Revenue
$0
Change in Net Assets
$3,792,704

Audited Revenue Reconciliation

Revenue per Audited Statements
$22,216,364
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$22,216,364
Total Revenue per Form 990
$22,216,364
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,624,891
Salaries, Compensation, and Employee Benefits$7,798,769
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,894,936
Interest---$3,007,912
Other Employee Benefits---$1,118,151
Current Officers, Directors, Trustees, and Key Employees---$1,063,707
Information Technology---$1,022,867
All Other Expenses---$924,335
Office Expenses---$728,971
Other Expenses---$694,036
Payroll Taxes---$487,635
Fees for Services Other---$478,323
Advertising---$452,886
Depreciation Depletion---$432,703
Occupancy---$365,033
Pension Plan Contributions---$234,340
Insurance---$123,685
Fees for Services Accounting---$107,023
Travel---$56,467
Fees for Services Legal---$31,830
Payments to Affiliates---$20,925
Total Functional Expenses$0$0$0$18,423,660

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$18,423,660
Total Expenses per Audited Statements$18,423,660
Total Expenses per Form 990$18,423,660
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$7,379,408$7,513,391▲ $133,983
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$172,479,576
Share Drafts$93,865,180
Special Deposits$83,364,199
Certificate of Deposit$49,694,400
Ira Deposits$4,106,034
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has a single class of members with equal rights of ownership, governance, and voting.”

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

“The board of directors is elected by membership vote. Each board member is elected for a three year term.”

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

“Certain credit union decisions are subject to membership approval, including mergers.”

Form 990, Part VI, Section B, Line 11B

“A review is conducted by the evp of finance and accounting prior to submission to the irs.”

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

“Annually, all directors and senior leadership team members are required to complete and sign a conflict of interest statement which requires disclosure of any potential conflicts or relationships with related parties.”

Form 990, Part VI, Section B, Line 15

“Compensation is approved by the personnel committee based on recommendation from the executive leadership team's review of comparative data and job performance. Ceo compensation is reviewed and approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest policy and financial statements are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Loc Credit Union
EIN
38-0549595
Phone
2484742200
Address
22981 FARMINGTON ROAD, FARMINGTON, MI 48336

Signing Officer

Name
Kari Ciaramitaro
Title
Evp - Finance and Accounting
Phone
2484742502
Signed
2025-10-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Stephen P Grech
Formed
1935
Legal Domicile
Mi
Voting Board Members
11
Independent Board Members
11
Employees
125
Volunteers
13

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other professional services 478,323.”

Form 990, Part IX, Line 24E

“Provision for loan losses 309,534. Loan servicing 202,561. Debit/credit card expenses 165,744. Miscellaneous 157,077. Training/education/development 89,419.”

Form 990, Part XII, Line 2C

“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute (irc section 501(c)(14)), from federal and state income taxes.”

Raw XML AppendixShowing 400 of 711 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1242073
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1336629
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1428838
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1555999
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1633085
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1727150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1819508
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt199449
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2024186
IRS990/Form990PartVIISectionAGrp/PersonNm0MICHAEL LASLEY
IRS990/Form990PartVIISectionAGrp/PersonNm1PAUL J RENKO JR
IRS990/Form990PartVIISectionAGrp/PersonNm2PAUL HAIN
IRS990/Form990PartVIISectionAGrp/PersonNm3DALE COUNTEGAN
IRS990/Form990PartVIISectionAGrp/PersonNm4ANNE SCHROEDER
IRS990/Form990PartVIISectionAGrp/PersonNm5BETTY RICHARDS
IRS990/Form990PartVIISectionAGrp/PersonNm6DAVID DRAKE
IRS990/Form990PartVIISectionAGrp/PersonNm7DOMENIC LAURIA
IRS990/Form990PartVIISectionAGrp/PersonNm8MICHAEL CONNOLLY
IRS990/Form990PartVIISectionAGrp/PersonNm9NATALIE CLEMONS
IRS990/Form990PartVIISectionAGrp/PersonNm10PATRICK MONTI
IRS990/Form990PartVIISectionAGrp/PersonNm11PAUL WYDENDORF
IRS990/Form990PartVIISectionAGrp/PersonNm12STEPHEN P GRECH
IRS990/Form990PartVIISectionAGrp/PersonNm13JONATHON ELLIOTT
IRS990/Form990PartVIISectionAGrp/PersonNm14KARI CIARAMITARO
IRS990/Form990PartVIISectionAGrp/PersonNm15CHRISTENA KOESTER
IRS990/Form990PartVIISectionAGrp/PersonNm16DARIN BENTLEY
IRS990/Form990PartVIISectionAGrp/PersonNm17WILLIAM COOK
IRS990/Form990PartVIISectionAGrp/PersonNm18MARC BUCHANAN
IRS990/Form990PartVIISectionAGrp/PersonNm19KIMBERLY HAGSTROM
IRS990/Form990PartVIISectionAGrp/PersonNm20JOHN SCOTT
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/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12301964
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13224438
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14187241
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15186525
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16165256
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17165573
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18151671
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19144079
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20118404
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/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1V. CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SENIOR EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt14EVP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt15EVP OPERATIONS AND TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP & CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP OF REAL ESTATE LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP & CHIEF MARKETING/DIGITAL BANKING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP & CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP & CHIEF LENDING OFFICER
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IRS990/Form990TFiledInd01
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt04450
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt01957200
IRS990/GrossReceiptsAmt024169114
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt011
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01022867
IRS990/InsuranceGrp/TotalAmt0123685
IRS990/IntangibleAssetsGrp/BOYAmt04243522
IRS990/IntangibleAssetsGrp/EOYAmt03031087
IRS990/InterestGrp/TotalAmt03007912
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt04752870
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04752870
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt02766139
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt05516713
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0144543563
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0134497294
IRS990/IRPDocumentCnt06529
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01792955
IRS990/LandBldgEquipBasisNetGrp/BOYAmt07710718
IRS990/LandBldgEquipBasisNetGrp/EOYAmt010534978
IRS990/LandBldgEquipCostOrOtherBssAmt012327933
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01952750
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE OFFER A COMMITTMENT TO OUR MEMBERS TO PROVIDE QUALITY FINANCIAL SERVICES IN A FRIENDLY MANNER WITH SOUND PROFESSIONAL LEADERSHIP.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt030754349
IRS990/NetAssetsOrFundBalancesEOYAmt037054967
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt04450
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt04450
IRS990/NetUnrelatedBusTxblIncmAmt07440
IRS990/NetUnrlzdGainsLossesInvstAmt02507914
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0365033
IRS990/OfficeExpensesGrp/TotalAmt0728971
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08604802
IRS990/OtherAssetsTotalGrp/EOYAmt08275383
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01118151
IRS990/OtherExpensesGrp/Desc0UBIT EXPENSE
IRS990/OtherExpensesGrp/Desc1INTANGIBLE
IRS990/OtherExpensesGrp/Desc2ATM EXPENSES
IRS990/OtherExpensesGrp/Desc3MAINTENANCE
IRS990/OtherExpensesGrp/TotalAmt03568
IRS990/OtherExpensesGrp/TotalAmt11212435
IRS990/OtherExpensesGrp/TotalAmt2961892
IRS990/OtherExpensesGrp/TotalAmt3694036
IRS990/OtherLiabilitiesGrp/BOYAmt0398796756
IRS990/OtherLiabilitiesGrp/EOYAmt0403509389
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt04894936
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0241890216
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0247028690
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt020925
IRS990/PayrollTaxesGrp/TotalAmt0487635
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0234340
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0664364
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0639963
IRS990/PrincipalOfficerNm0STEPHEN P GRECH
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2520000
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHER
IRS990/ProgramServiceRevenueGrp/Desc2FINANCE AND INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt013125841
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14314118
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt013125841
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14314118
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt219085
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt019085
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 14,142 LOANS INCLUDING VEHICLE, MORTGAGES, HOME EQUITY, COMMERCIAL/BUSINESS, UNSECURED, AND CREDIT CARDS TOTALING $254,807,097.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER DEBIT CARDS, DIGITAL BANKING, AUTOMATED TELLER MACHINES, WIRE TRANSFERS, VARIOUS INSURANCE PRODUCTS, AND WEALTH MANAGEMENT.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt0250
IRS990/PYInvestmentIncomeAmt04519211
IRS990/PYOtherExpensesAmt07620372
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt014257350
IRS990/PYRevenuesLessExpensesAmt04158503
IRS990/PYSalariesCompEmpBnftPaidAmt06997436
IRS990/PYTotalExpensesAmt014618058
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt018776561
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt07379408
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt07513391
IRS990/ReconcilationRevenueExpnssAmt03792704
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt030754349
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt037054967
IRS990/SavingsAndTempCashInvstGrp/BOYAmt012670001
IRS990/SavingsAndTempCashInvstGrp/EOYAmt023924724
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt06872607
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0799778
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07672385
IRS990ScheduleD/EquipmentGrp/BookValueAmt01210100
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0675512
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01885612
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00

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