Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2013 • EIN 38-0549595

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 17, 2014

Organization ProfileWWW.MEMBERFOCUS.ORG
6246 Chase RoadFarmington, MI 48126

(313) 581-2002

Siviq Scores

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

Liabilities / Assets

58th percentile

0.90x

Higher debt load relative to assets than 58% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

87th percentile

25.01x

Higher debt load relative to revenue than 87% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

22nd percentile

2.6%

Higher net margin than 22% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

76th percentile

$163,061

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 4.9% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

28th percentile

-0.2%

Faster asset growth than 28% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2012 to 2013

Revenue Growth

41st percentile

2.6%

Faster revenue growth than 41% of similar nonprofits.

2013 filings • $50M-$100M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets58th percentile

Assets

Down

$92,337,372

Down $141,277 (-0.2%) from 2012

Net Assets

Down

$9,161,347

Down $1,669,532 (-15%) from 2012

Liabilities

Up

$83,176,025

Up $1,528,255 (+1.9%) from 2012

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin22nd percentile

Revenue

Up

$3,325,952

Up $84,215 (+2.6%) from 2012

Expenses

Down

$3,240,480

Down $18,310 (-0.6%) from 2012

Net Income

Up

$85,472

Up $102,525 (+601%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth28th percentile

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

$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

2013

Assets$92,337,372
Liabilities$83,176,025
Net Assets$9,161,347
Open 2013 Filing

Operations Trend

Revenue Growth41st percentile

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$3,325,952
Expenses$3,240,480
Net Income$85,472
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 17, 2014
Return Version
2013v3.0
Gross Receipts
$15,269,653
Mission and Program Overview

Mission

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

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$43,345,649$46,165,080▲ $2,819,431
Other Notes and Loans Receivable, Net$24,674,980$28,896,331▲ $4,221,351
Savings and Temporary Cash Investments$19,236,508$12,040,495▼ $7,196,013
Rtn Earn Endowment Incm Other Fnds$10,830,879$9,161,347▼ $1,669,532
Land, Buildings, and Equipment, Net$1,370,729$1,323,878▼ $46,851
Cash and Non-Interest-Bearing Accounts$641,240$547,322▼ $93,918
Prepaid Expenses and Deferred Charges$129,688$127,349▼ $2,339
Accounts Receivable$102,394$115,292▲ $12,898
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$92,478,649$92,337,372▼ $141,277
Other Assets Total$2,977,461$3,121,625▲ $144,164
Liabilities
Other Liabilities$81,320,297$82,855,056▲ $1,534,759
Accounts Payable and Accrued Expenses$327,473$320,969▼ $6,504
Total Liabilities$81,647,770$83,176,025▲ $1,528,255
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,830,879$9,161,347▼ $1,669,532
Total Liabilities and Net Assets / Fund Balance$92,478,649$92,337,372▼ $141,277

Asset Categories

AssetBook ValueDepreciationBasis
Land$922,241-$922,241
Buildings$244,065$341,742$585,807
Leasehold Improvements$109,205$238,415$347,620
Equipment$48,367$193,594$241,961
Other Securities$46,165,080--
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jon ElliottPresident/CEOFT$148,932$14,129$163,061

Board Members and Trustees

NameTitle
William HarveyChairman
Charles LaceyVice Chairman
Betty RichardsDirector
Paul Renko JrSecretary
Terry BodenTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,837,452
Investment Income
$1,145,824
Other Revenue
$342,676
Change in Net Assets
$85,472
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,826,857
Salaries, Compensation, and Employee Benefits$1,413,623
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$630,606
Current Officers, Directors, Trustees, and Key Employees---$418,558
All Other Expenses---$295,138
Other Employee Benefits---$233,708
Occupancy---$160,588
Insurance---$110,588
Payroll Taxes---$91,132
Interest---$88,514
Advertising---$75,634
Depreciation Depletion---$74,117
Other Expenses---$63,137
Office Expenses---$49,096
Fees for Services Accounting---$43,732
Pension Plan Contributions---$39,619
Fees for Services Legal---$23,463
Fees for Services Other---$19,148
Information Technology---$11,370
Total Functional Expenses$0$0$0$3,240,480
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$82,855,056
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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

“Anyone that has an account at the credit union is also a member.”

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

“Every february, members are able to vote for the board of directors.”

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

“The decisions of the board are subject to approval if it involves something such as a merger or charter change. The board can make day to day decisions, but those two transacations would require approval of the members.”

Form 990, Part VI, Section B, Line 11

“No, a copy of the form 990 is not provided to the organization's governing body before it is filed.”

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

“The supervisory committee and the executive committee review policies throughout the year to make sure that we are doing what we say we are doing and to make sure the policy still fits our business needs. This review applies to the conflict of interest policy as well.”

Form 990, Part VI, Section B, Line 15

“Evers salary survey is used to ensure that all positions within the credit union are being properly compensated.”

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

EIN
38-0549595
Phone
3135812002

Signing Officer

Name
Jon Elliott
Title
President/CEO
Phone
3135812002
Signed
2014-03-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jon Elliott
Formed
1935
Legal Domicile
Mi
Voting Board Members
5
Independent Board Members
5
Employees
31
Volunteers
10

Preparer

Preparer
Joseph Zito CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 2B:

“Audited financial statements are done on a fiscal year-end and tax reporting is required on a calendar year-end.”

Raw XML Appendix382 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0327473
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0320969
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IRS990/AccountsReceivableGrp/EOYAmt0115292
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE SELECTIVE, COMPETITIVE FINANCIAL SERVICES FOR OUR MEMBERS IN THE COOPERATIVE SPIRIT, WHILE MAINTAINING A STRONG FINANCIAL BASE.
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IRS990/AllOtherExpensesGrp/TotalAmt0295138
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
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IRS990/BooksInCareOfDetail/USAddress/AddressLine106246 CHASE ROAD
IRS990/BooksInCareOfDetail/USAddress/City0DEARBORN
IRS990/BooksInCareOfDetail/USAddress/State0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCode048126
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IRS990/Desc0LOANS
IRS990/DescribedInSection501c3Ind00
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IRS990/DonorAdvisedFundInd00
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IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
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IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt514129
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IRS990/Form990PartVIISectionAGrp/PersonNm1CHARLES LACEY
IRS990/Form990PartVIISectionAGrp/PersonNm2BETTY RICHARDS
IRS990/Form990PartVIISectionAGrp/PersonNm3TERRY BODEN
IRS990/Form990PartVIISectionAGrp/PersonNm4PAUL RENKO JR
IRS990/Form990PartVIISectionAGrp/PersonNm5JON ELLIOTT
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT/CEO
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt060039
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IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
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IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
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IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1ATM/CARD EXPENSE
IRS990/OtherExpensesGrp/Desc2DATA PROCESSING
IRS990/OtherExpensesGrp/Desc3VISA EXPENSE
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IRS990/OtherRevenueMiscGrp/Desc0INTERCHANGE INCOME
IRS990/OtherRevenueMiscGrp/Desc1MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/Desc2NON-MEMBER ATM FEES
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IRS990/PartialLiquidationInd00
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IRS990/PoliticalCampaignActyInd00
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IRS990/ProfessionalFundraisingInd00
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IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
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IRS990/ProgSrvcAccomActy2Grp/Desc0COURTESY PAY
IRS990/ProgSrvcAccomActy3Grp/Desc0DEPOSIT ACCOUNTS
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IRS990/RegularMonitoringEnfrcInd01
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IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010830879
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09161347
IRS990/SavingsAndTempCashInvstGrp/BOYAmt019236508
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012040495
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0244065
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0341742
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0585807
IRS990ScheduleD/EquipmentGrp/BookValueAmt048367
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0193594
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0241961
IRS990ScheduleD/LandGrp/BookValueAmt0922241
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0922241
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0109205
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0238415
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0347620
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt082855056
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt046165080
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AVAILABLE FOR SALE
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01323878
IRS990ScheduleD/TotalBookValueSecuritiesAmt046165080
IRS990ScheduleD/TotalLiabilityAmt082855056
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0148932
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt04066
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt010063
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JON ELLIOTT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0163061
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ANYONE THAT HAS AN ACCOUNT AT THE CREDIT UNION IS ALSO A MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EVERY FEBRUARY, MEMBERS ARE ABLE TO VOTE FOR THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE DECISIONS OF THE BOARD ARE SUBJECT TO APPROVAL IF IT INVOLVES SOMETHING SUCH AS A MERGER OR CHARTER CHANGE. THE BOARD CAN MAKE DAY TO DAY DECISIONS, BUT THOSE TWO TRANSACATIONS WOULD REQUIRE APPROVAL OF THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3NO, A COPY OF THE FORM 990 IS NOT PROVIDED TO THE ORGANIZATION'S GOVERNING BODY BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE SUPERVISORY COMMITTEE AND THE EXECUTIVE COMMITTEE REVIEW POLICIES THROUGHOUT THE YEAR TO MAKE SURE THAT WE ARE DOING WHAT WE SAY WE ARE DOING AND TO MAKE SURE THE POLICY STILL FITS OUR BUSINESS NEEDS. THIS REVIEW APPLIES TO THE CONFLICT OF INTEREST POLICY AS WELL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EVERS SALARY SURVEY IS USED TO ENSURE THAT ALL POSITIONS WITHIN THE CREDIT UNION ARE BEING PROPERLY COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7AUDITED FINANCIAL STATEMENTS ARE DONE ON A FISCAL YEAR-END AND TAX REPORTING IS REQUIRED ON A CALENDAR YEAR-END.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 2B:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt092478649
IRS990/TotalAssetsEOYAmt092337372
IRS990/TotalAssetsGrp/BOYAmt092478649
IRS990/TotalAssetsGrp/EOYAmt092337372
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt031
IRS990/TotalFunctionalExpensesGrp/TotalAmt03240480
IRS990/TotalGrossUBIAmt06807
IRS990/TotalLiabilitiesBOYAmt081647770
IRS990/TotalLiabilitiesEOYAmt083176025
IRS990/TotalLiabilitiesGrp/BOYAmt081647770
IRS990/TotalLiabilitiesGrp/EOYAmt083176025
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt010830879
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt09161347
IRS990/TotalOtherCompensationAmt014129
IRS990/TotalProgramServiceRevenueAmt01837452
IRS990/TotalReportableCompFromOrgAmt0148932
IRS990/TotalRevenueGrp/ExclusionAmt01145824
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02173321
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03325952
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt06807
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt092478649
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt092337372
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine106246 CHASE ROAD
IRS990/USAddress/City0DEARBORN
IRS990/USAddress/State0MI
IRS990/USAddress/ZIPCode048126
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.MEMBERFOCUS.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JON ELLIOTT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03135812002
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-17
ReturnHeader/Filer/BusinessName/BusinessNameLine10MEMBERFOCUS COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MEMB
ReturnHeader/Filer/EIN0380549595
ReturnHeader/Filer/PhoneNum03135812002
ReturnHeader/Filer/USAddress/AddressLine106246 CHASE ROAD
ReturnHeader/Filer/USAddress/City0DEARBORN
ReturnHeader/Filer/USAddress/State0MI
ReturnHeader/Filer/USAddress/ZIPCode048126
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0382492570
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10DOEREN MAYHEW
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10305 WEST BIG BEAVER ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0TROY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode048084
ReturnHeader/PreparerPersonGrp/PhoneNum02482443000
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOSEPH ZITO CPA
ReturnHeader/ReturnTs02014-03-22T11:01:13-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$92,337,372
Liabilities
$83,176,025
Net assets
$9,161,347
Revenue
$3,325,952
Expenses
$3,240,480
Net income
$85,472
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