Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2014 • EIN 38-0549595

Jan 01, 2014 to Dec 31, 2014 • Filed on Mar 03, 2015

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

(313) 581-2002

Siviq Scores

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

Liabilities / Assets

50th percentile

0.89x

Higher debt load relative to assets than 50% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

92nd percentile

27.27x

Higher debt load relative to revenue than 92% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

28th percentile

5.0%

Higher net margin than 28% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

85th percentile

$185,213

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 5.9% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

61st percentile

3.6%

Faster asset growth than 61% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

12th percentile

-6.1%

Faster revenue growth than 12% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$95,659,981

Up $3,322,609 (+3.6%) from 2013

Net Assets

Up

$10,456,654

Up $1,295,307 (+14%) from 2013

Liabilities

Up

$85,203,327

Up $2,027,302 (+2.4%) from 2013

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin28th percentile

Revenue

Down

$3,124,523

Down $201,429 (-6.1%) from 2013

Expenses

Down

$2,968,171

Down $272,309 (-8.4%) from 2013

Net Income

Up

$156,352

Up $70,880 (+83%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth61st 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

2014

Assets$95,659,981
Liabilities$85,203,327
Net Assets$10,456,654
Open 2014 Filing

Operations Trend

Revenue Growth12th 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

2014

Revenue$3,124,523
Expenses$2,968,171
Net Income$156,352
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Mar 3, 2015
Return Version
2014v5.0
Gross Receipts
$8,182,076
Mission and Program Overview

Mission

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$46,165,080$48,287,683▲ $2,122,603
Other Notes and Loans Receivable, Net$28,896,331$25,583,705▼ $3,312,626
Savings and Temporary Cash Investments$12,040,495$16,352,030▲ $4,311,535
Rtn Earn Endowment Incm Other Fnds$9,161,347$10,456,654▲ $1,295,307
Land, Buildings, and Equipment, Net$1,323,878$1,294,401▼ $29,477
Cash and Non-Interest-Bearing Accounts$547,322$659,709▲ $112,387
Prepaid Expenses and Deferred Charges$127,349$137,715▲ $10,366
Accounts Receivable$115,292$94,100▼ $21,192
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$92,337,372$95,659,981▲ $3,322,609
Other Assets Total$3,121,625$3,250,638▲ $129,013
Liabilities
Other Liabilities$82,855,056$84,779,017▲ $1,923,961
Accounts Payable and Accrued Expenses$320,969$424,310▲ $103,341
Total Liabilities$83,176,025$85,203,327▲ $2,027,302
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,161,347$10,456,654▲ $1,295,307
Total Liabilities and Net Assets / Fund Balance$92,337,372$95,659,981▲ $3,322,609

Asset Categories

AssetBook ValueDepreciationBasis
Land$922,241-$922,241
Buildings$223,604$362,203$585,807
Leasehold Improvements$86,791$260,830$347,621
Equipment$61,765$231,548$293,313
Other Securities$48,287,683--
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jon ElliottPresident/CEOFT$168,125$17,088$185,213

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
$1,791,146
Investment Income
$991,310
Other Revenue
$342,067
Change in Net Assets
$156,352
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,600,488
Salaries, Compensation, and Employee Benefits$1,367,683
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$611,936
Current Officers, Directors, Trustees, and Key Employees---$389,347
All Other Expenses---$293,697
Other Employee Benefits---$243,497
Occupancy---$155,001
Office Expenses---$96,270
Payroll Taxes---$84,032
Advertising---$82,957
Interest---$79,619
Depreciation Depletion---$76,331
Other Expenses---$66,633
Insurance---$54,565
Fees for Services Other---$53,142
Pension Plan Contributions---$38,871
Fees for Services Accounting---$32,005
Fees for Services Legal---$17,842
Information Technology---$16,381
Conferences and Meetings---$4,489
Total Functional Expenses$0$0$0$2,968,171
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$84,779,017
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

Filer Name
Memberfocus Community Credit Union
EIN
38-0549595
Phone
3135812002
Address
6246 CHASE ROAD, DEARBORN, MI 48126

Signing Officer

Name
Jon Elliott
Title
President/CEO
Phone
3135812002
Signed
2015-03-03
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
29
Volunteers
10

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
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 Appendix385 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/BOYAmt0320969
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0424310
IRS990/AccountsReceivableGrp/BOYAmt0115292
IRS990/AccountsReceivableGrp/EOYAmt094100
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE SELECTIVE, COMPETITIVE FINANCIAL SERVICES FOR OUR MEMBERS IN THE COOPERATIVE SPIRIT, WHILE MAINTAINING A STRONG FINANCIAL BASE.
IRS990/AdvertisingGrp/TotalAmt082957
IRS990/AllOtherExpensesGrp/TotalAmt0293697
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0JANET COOKER
IRS990/BooksInCareOfDetail/PhoneNum03135812002
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt06246 CHASE ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0DEARBORN
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048126
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IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0547322
IRS990/CashNonInterestBearingGrp/EOYAmt0659709
IRS990/ChangeToOrgDocumentsInd00
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IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0389347
IRS990/CompensationFromOtherSrcsInd00
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IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
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IRS990/DecisionsSubjectToApprovaInd01
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IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
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IRS990/Desc0LOANS
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt029
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
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IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt517088
IRS990/Form990PartVIISectionAGrp/PersonNm0WILLIAM HARVEY
IRS990/Form990PartVIISectionAGrp/PersonNm1CHARLES LACEY
IRS990/Form990PartVIISectionAGrp/PersonNm2BETTY RICHARDS
IRS990/Form990PartVIISectionAGrp/PersonNm3TERRY BODEN
IRS990/Form990PartVIISectionAGrp/PersonNm4PAUL RENKO JR
IRS990/Form990PartVIISectionAGrp/PersonNm5JON ELLIOTT
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt07430
IRS990/GamingActivitiesInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt05064983
IRS990/GrossReceiptsAmt08182076
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InterestGrp/TotalAmt079619
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IRS990/InvestmentInJointVentureInd00
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IRS990/IRPDocumentW2GCnt00
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IRS990/LegalDomicileStateCd0MI
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IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE SELECTIVE, COMPETITIVE FINANCIAL SERVICES FOR OUR MEMBERS IN THE COOPERATIVE SPIRIT, WHILE MAINTAINING A STRONG FINANCIAL BASE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetUnrelatedBusTxblIncmAmt0-9333
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IRS990/NondeductibleContributionsInd00
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherChangesInNetAssetsAmt00
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IRS990/OtherExpensesGrp/Desc0ATM/CARD EXPENSE
IRS990/OtherExpensesGrp/Desc1DATA PROCESSING
IRS990/OtherExpensesGrp/Desc2VISA EXPENSE
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
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IRS990/OtherExpensesGrp/TotalAmt1230254
IRS990/OtherExpensesGrp/TotalAmt270037
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IRS990/OtherRevenueMiscGrp/Desc0INTERCHANGE INCOME
IRS990/OtherRevenueMiscGrp/Desc1MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/Desc2NON-MEMBER ATM FEES
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IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt06306
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt028896331
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IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt084032
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
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IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0127349
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IRS990/PrincipalOfficerNm0JON ELLIOTT
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
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IRS990/ProgSrvcAccomActy2Grp/Desc0COURTESY PAY
IRS990/ProgSrvcAccomActy3Grp/Desc0DEPOSIT ACCOUNTS
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
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IRS990/PYOtherRevenueAmt0342676
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IRS990/PYSalariesCompEmpBnftPaidAmt01413623
IRS990/PYTotalExpensesAmt03240480
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03325952
IRS990/ReconcilationRevenueExpnssAmt0156352
IRS990/RegularMonitoringEnfrcInd01
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IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09161347
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010456654
IRS990/SavingsAndTempCashInvstGrp/BOYAmt012040495
IRS990/SavingsAndTempCashInvstGrp/EOYAmt016352030
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0223604
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0362203
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0585807
IRS990ScheduleD/EquipmentGrp/BookValueAmt061765
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0231548
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0293313
IRS990ScheduleD/LandGrp/BookValueAmt0922241
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0922241
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt086791
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0260830
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0347621
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt084779017
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt048287683
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AVAILABLE FOR SALE
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01294401
IRS990ScheduleD/TotalBookValueSecuritiesAmt048287683
IRS990ScheduleD/TotalLiabilityAmt084779017
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0168125
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt06071
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt011017
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JON ELLIOTT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0185213
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/TotalAssetsBOYAmt092337372
IRS990/TotalAssetsEOYAmt095659981
IRS990/TotalAssetsGrp/BOYAmt092337372
IRS990/TotalAssetsGrp/EOYAmt095659981
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt029
IRS990/TotalFunctionalExpensesGrp/TotalAmt02968171
IRS990/TotalGrossUBIAmt06306
IRS990/TotalLiabilitiesBOYAmt083176025
IRS990/TotalLiabilitiesEOYAmt085203327
IRS990/TotalLiabilitiesGrp/BOYAmt083176025
IRS990/TotalLiabilitiesGrp/EOYAmt085203327
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt09161347
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt010456654
IRS990/TotalOtherCompensationAmt017088
IRS990/TotalProgramServiceRevenueAmt01791146
IRS990/TotalReportableCompFromOrgAmt0168125
IRS990/TotalRevenueGrp/ExclusionAmt0991310
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02126907
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03124523
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt06306
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt092337372
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt095659981
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt06246 CHASE ROAD
IRS990/USAddress/CityNm0DEARBORN
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048126
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.MEMBERFOCUS.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JON ELLIOTT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03135812002
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-03-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MEMBERFOCUS COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MEMB
ReturnHeader/Filer/EIN0380549595
ReturnHeader/Filer/PhoneNum03135812002
ReturnHeader/Filer/USAddress/AddressLine1Txt06246 CHASE ROAD
ReturnHeader/Filer/USAddress/CityNm0DEARBORN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048126
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0382492570
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DOEREN MAYHEW
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0305 WEST BIG BEAVER ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TROY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd048084
ReturnHeader/PreparerPersonGrp/PhoneNum02482443000
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOSEPH ZITO CPA
ReturnHeader/ReturnTs02015-03-10T10:48:02-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$95,659,981
Liabilities
$85,203,327
Net assets
$10,456,654
Revenue
$3,124,523
Expenses
$2,968,171
Net income
$156,352
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