Civic Intelligence

Educational Community Credit Union

EIN 38-0703992 • 501(c)14 • Kalamazoo, MI

View Organization Page

Profile

The credit union's operations include holding deposits for and making loans to individuals who work or reside in the state of michigan.

1551 South 9th StreetKalamazoo, MI 49009-9327

www.arborfcu.org

Siviq Scores

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

Liabilities / Assets

86th percentile

0.93x

Higher debt load relative to assets than 86% of similar nonprofits.

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

Liabilities / Revenue

38th percentile

14.48x

Higher debt load relative to revenue than 38% of similar nonprofits.

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

Net Margin

56th percentile

11%

Higher net margin than 56% 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

3rd percentile

-6.8%

Faster asset growth than 3% of similar nonprofits.

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

Revenue Growth

50th percentile

15%

Faster revenue growth than 50% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets86th percentile

Assets

Down

$903,389,090

Down $66,005,623 (-6.8%) from 2023

Liabilities

Down

$837,826,457

Down $73,578,489 (-8.1%) from 2023

Net Assets

Up

$65,562,633

Up $7,572,866 (+13%) from 2023

Operations
Liabilities / Revenue38th percentileNet Margin56th percentile

Revenue

Up

$57,858,397

Up $7,664,945 (+15%) from 2023

Expenses

Up

$51,507,065

Up $6,300,621 (+14%) from 2023

Net Income

Up

$6,351,332

Up $1,364,324 (+27%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth3rd percentile

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

$1.0B$500M$0Assets 2010: $341,207,840Liabilities 2010: $310,323,833Net Assets 2010: $30,884,0072010Assets 2011: $356,781,658Liabilities 2011: $323,361,421Net Assets 2011: $33,420,2372011Assets 2012: $381,686,946Liabilities 2012: $345,788,866Net Assets 2012: $35,898,0802012Assets 2013: $399,969,340Liabilities 2013: $363,357,219Net Assets 2013: $36,612,1212013Assets 2014: $409,914,994Liabilities 2014: $370,538,237Net Assets 2014: $39,376,7572014Assets 2015: $428,500,083Liabilities 2015: $387,781,027Net Assets 2015: $40,719,0562015Assets 2016: $479,181,965Liabilities 2016: $435,489,370Net Assets 2016: $43,692,5952016Assets 2017: $523,721,267Liabilities 2017: $475,642,572Net Assets 2017: $48,078,6952017Assets 2018: $573,422,495Liabilities 2018: $519,302,424Net Assets 2018: $54,120,0712018Assets 2019: $655,512,242Liabilities 2019: $595,318,353Net Assets 2019: $60,193,8892019Assets 2020: $813,637,097Liabilities 2020: $748,514,447Net Assets 2020: $65,122,6502020Assets 2021: $829,123,274Liabilities 2021: $762,601,238Net Assets 2021: $66,522,0362021Assets 2022: $882,512,715Liabilities 2022: $826,775,679Net Assets 2022: $55,737,0362022Assets 2023: $969,394,713Liabilities 2023: $911,404,946Net Assets 2023: $57,989,7672023Assets 2024: $903,389,090Liabilities 2024: $837,826,457Net Assets 2024: $65,562,6332024

Highlighted filing

2024

Assets$903,389,090
Liabilities$837,826,457
Net Assets$65,562,633
Open 2024 Filing

Operations Trend

Revenue Growth50th percentile

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

$60M$40M$20M$0Expenses 2010: $19,125,8412010Expenses 2011: $18,671,3402011Expenses 2012: $19,372,6312012Revenue 2013: $20,751,000Expenses 2013: $19,064,257Net Income 2013: $1,686,7432013Revenue 2014: $22,123,436Expenses 2014: $20,036,727Net Income 2014: $2,086,7092014Revenue 2015: $22,605,061Expenses 2015: $20,640,559Net Income 2015: $1,964,5022015Revenue 2016: $25,203,596Expenses 2016: $22,035,832Net Income 2016: $3,167,7642016Revenue 2017: $27,746,122Expenses 2017: $23,405,127Net Income 2017: $4,340,9952017Revenue 2018: $32,620,125Expenses 2018: $26,784,115Net Income 2018: $5,836,0102018Revenue 2019: $40,476,172Expenses 2019: $34,727,324Net Income 2019: $5,748,8482019Revenue 2020: $43,485,334Expenses 2020: $38,767,838Net Income 2020: $4,717,4962020Revenue 2021: $44,270,339Expenses 2021: $39,623,634Net Income 2021: $4,646,7052021Revenue 2022: $42,599,576Expenses 2022: $36,827,505Net Income 2022: $5,772,0712022Revenue 2023: $50,193,452Expenses 2023: $45,206,444Net Income 2023: $4,987,0082023Revenue 2024: $57,858,397Expenses 2024: $51,507,065Net Income 2024: $6,351,3322024

Highlighted filing

2024

Revenue$57,858,397
Expenses$51,507,065
Net Income$6,351,332
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$903,389,090
Liabilities
$837,826,457
Net assets
$65,562,633
Revenue
$57,858,397
Expenses
$51,507,065
Net income
$6,351,332
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$903$838$65.6$57.9$51.5$6.35
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$969$911$58.0$50.2$45.2$4.99
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$883$827$55.7$42.6$36.8$5.77
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$829$763$66.5$44.3$39.6$4.65
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$814$749$65.1$43.5$38.8$4.72
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$656$595$60.2$40.5$34.7$5.75
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$573$519$54.1$32.6$26.8$5.84
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$524$476$48.1$27.7$23.4$4.34
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$479$435$43.7$25.2$22.0$3.17
2015Summary only. Only limited summary data is available for this year.$429$388$40.7$22.6$20.6$1.96
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$410$371$39.4$22.1$20.0$2.09
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$400$363$36.6$20.8$19.1$1.69
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$382$346$35.9$19.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$357$323$33.4$18.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$341$310$30.9$19.1
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 14, 2023
Return Version
2022v5.0
Gross Receipts
$93,515,103
Mission and Program Overview

Mission

The credit union's operations include holding deposits for and making loans to individuals who work or reside in the state of michigan.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$617,448,733$711,563,627▲ $94,114,894
Investments in Publicly Traded Securities$127,271,702$91,811,994▼ $35,459,708
Rtn Earn Endowment Incm Other Fnds$66,522,036$55,737,036▼ $10,785,000
Land, Buildings, and Equipment, Net$24,294,848$22,625,447▼ $1,669,401
Investments Other Securities$6,443,800$9,062,000▲ $2,618,200
Receivables From Officers Etc$6,578,169$8,096,059▲ $1,517,890
Savings and Temporary Cash Investments$16,789,772$6,634,518▼ $10,155,254
Cash and Non-Interest-Bearing Accounts$4,321,558$4,085,693▼ $235,865
Prepaid Expenses and Deferred Charges$715,198$594,839▼ $120,359
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0--
Loans From Officers Directors$0$0→ $0
Total Assets$829,123,274$882,512,715▲ $53,389,441
Other Assets Total$25,259,494$28,038,538▲ $2,779,044
Liabilities
Other Liabilities$704,202,967$708,286,178▲ $4,083,211
Mortgage Notes Payable Secured by Investment Property$45,000,000$101,440,180▲ $56,440,180
Accounts Payable and Accrued Expenses$9,924,704$13,847,631▲ $3,922,927
Escrow Account Liability$3,473,567$3,201,690▼ $271,877
Total Liabilities$762,601,238$826,775,679▲ $64,174,441
Net Assets / Fund Balance
Total Net Assets Fund Balance$66,522,036$55,737,036▼ $10,785,000
Total Liabilities and Net Assets / Fund Balance$829,123,274$882,512,715▲ $53,389,441

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,848,389$3,643,511$17,491,900
Equipment$1,755,767$6,364,257$8,120,024
Land$5,781,999-$5,781,999
Other Land Buildings$1,226,487$946,865$2,173,352
Leasehold Improvements$12,805$131,953$144,758
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
-President/CEOFT$428,219$249,599$677,818
-Chief Financial OfficerFT$198,809$86,994$285,803
-VP Information SystemsFT$171,284$69,906$241,190
-VP of Talent Strategy and OrganizationFT$158,896$71,984$230,880
-VP OperationsFT$160,061$68,016$228,077
-VP of MarketingFT$141,160$70,031$211,191
-VP of Mortgage LendingFT$144,752$64,376$209,128
-VP of Commercial & Private Banking(until Oct.)FT$141,708$58,470$200,178
-VP of Consumer LendingFT$129,973$59,966$189,939
-Director of Mortgage Sales/OriginatorFT$84,903$84,519$169,422
-Mortgage Loan OriginatorFT$108,484$53,356$161,840

Board Members and Trustees

NameTitle
-Chairman
-Vice-Chairman
-Director
-Secretary
-Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
PscuCredit Card And Debit Card Processor560 CARILLON PARKWAY, PP Box 2470, St Petersburg, FL 33716$3,594,604
FiservCore System Processor75 REMITTANCE DRIVE DEPT 1649, Suite 500, Chicago, IL 60197$2,530,483
Quality Acquisitions LLCBuilding Leasing700 Mall Drive, Portage, MI 49001$208,682
Ice Mortgage TechnologyMortgage Loan Origination Platform4420 Rosewood Dr, Pleasanton, CA 94588$176,566
Servicemaster Of KalamazooCommercial Cleaning Services3344 Ravine Rd, Kalamazoo, MI 49006$162,770
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$38,701,166
Investment Income
$2,130,873
Other Revenue
$1,767,537
Change in Net Assets
$5,772,071

Audited Revenue Reconciliation

Revenue per Audited Statements
$42,599,576
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$42,599,576
Total Revenue per Form 990
$42,599,576
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$21,071,794
Salaries, Compensation, and Employee Benefits$15,731,711
Grants and Similar Amounts Paid$24,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,871,915
Interest---$4,579,326
Information Technology---$2,660,964
All Other Expenses---$2,318,911
Current Officers, Directors, Trustees, and Key Employees---$2,183,367
Office Expenses---$2,041,706
Depreciation Depletion---$1,294,696
Occupancy---$1,250,314
Payroll Taxes---$1,005,238
Other Employee Benefits---$865,627
Pension Plan Contributions---$805,564
Advertising---$770,239
Insurance---$580,218
Other Expenses---$493,550
Fees for Services Accounting---$221,841
Conferences and Meetings---$216,522
Fees for Services Other---$54,806
Fees for Services Legal---$54,326
Payments to Affiliates---$37,894
Travel---$28,505
Grants to Domestic Individuals---$24,000
Total Functional Expenses$0$0$0$36,827,505

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$36,827,505
Total Expenses per Audited Statements$36,827,505
Total Expenses per Form 990$36,827,505
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$6,578,169$8,096,059▲ $1,517,890
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Savings Accounts$708,286,178
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, Line 1A Delegate broad authority to A committee

“The personnel committee is the same as the full board with different leadership & has the authority to act on behalf of the board.”

Form 990, Part VI, Line 6 Classes of members or stockholders

“Every individual that has an account with the credit union is considered a member.”

Form 990, Part VI, Line 7A Members or stockholders electing members of governing body

“As a credit union, we have a membership that has the authority to vote for the board of directors on an annual basis. We are required to hold an annual meeting, where the membership can vote for the board of directors up for nomination.”

Form 990, Part VI, Line 7B Decisions requiring approval by members or stockholders

“The decisions are approved at the annual meeting. They also can review the monthly and year to date financial statements that are required to be posted in the lobby. As for day to day decisions, they do not oversee or approve actions.”

Form 990, Part VI, Line 11B Review of form 990 by governing body

“A COPY of the Form 990 was PROVIDED FOR THE BOARD OF DIRECTORS TO REVIEW PRIOR TO FILING WITH THE IRS.”

Form 990, Part VI, Line 12C Conflict of interest policy

“ALL DIRECTORS AND EMPLOYEES ARE REQUIRED TO SIGN A POLICY STATEMENT ANNUALLY AND TO SUBMIT CHANGES DURING THE YEAR. If there is a conflict of interest with an employee, it is brought up through HR and noted in the file. If there is a conflict of interest with an executive it is noted with both HR and the CEO to be kept in their file, and they would no longer be permitted to sign any contracts.”

Form 990, Part VI, Line 15A Process to establish compensation of top management official

“WE UTILIZE AN OUTSIDE CONSULTANT, AS WELL AS INDUSTRY PUBLICATIONS TO SET THE RANGES OF ALL INDIVIDUALS PAID AT THE CREDIT UNION. ALL SALARY RANGES FOR ALL EMPLOYEES ARE APPROVED BY THE BOARD OF DIRECTORS AT A REGULARLY SCHEDULED MEETING. This meeting was last performed in December 2022. This process is documented in executive committee minutes.”

Form 990, Part VI, Line 15B Process to establish compensation of other employees

“WE UTILIZE AN OUTSIDE CONSULTANT, AS WELL AS INDUSTRY PUBLICATIONS TO SET THE RANGES OF ALL INDIVIDUALS PAID AT THE CREDIT UNION. ALL SALARY RANGES FOR ALL EMPLOYEES ARE APPROVED BY THE BOARD OF DIRECTORS AT A REGULARLY SCHEDULED MEETING. This meeting was last performed in December 2022. This process is documented in executive committee minutes.”

Form 990, Part VI, Line 19 Required documents available to the public

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

Form 990, Part VIII, Line 11D Other Miscellaneous Revenue

“FHLB Advance Prepayment penalty - Total Revenue: 457933, Related or Exempt Function Revenue: 457933, Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ; Miscellaneous Income - Total Revenue: 511611, Related or Exempt Function Revenue: 511611, Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ; Life Insurance Income - Total Revenue: 319180, Related or Exempt Function Revenue: 319180, Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ; Visa Growth & Marketing Agreements - Total Revenue: 309768, Related or Exempt Function Revenue: 309768, Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ;”

Filing and Contact Details

Filer

Filer Name
Arbor Financial Credit Union
EIN
38-0703992
Phone
2693756702
Address
1551 South 9th Street, Kalamazoo, MI 49009-9327

Signing Officer

Name
Earle Shelner Ii
Title
CFO
Phone
2695443471
Signed
2023-11-14
Discuss with paid preparer
Yes

Organization Details

Formed
1935
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
274
Volunteers
7

Preparer

Firm
Crowe Llp
Address
9600 Brownsboro Road Suite 400, Louisville, KY 40241-3902
Preparer
Kim Scifres
Phone
5023263996
Supplemental Narrative

Additional Explanations

Form 990, Part I, Line 1 Description of Organization Mission:

“Work or reside within the State of Michigan.”

Financial Statement Notes

Schedule D, Part IV, Line 2B Explanation of escrow agreement

“Arbor has an escrow custodial account set up for each of our investors. We are a service-retained organization, which collects the escrow funds, performs escrow analysis, and disburses funds to appropriate tax and/or insurance authorities.”

Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote

“Income Taxes: The Credit Union is exempt, by statute, from federal taxes on income related to the exempt purpose of the Credit Union. The Credit Union is a state-chartered credit union described in Internal Revenue Code (IRC) Section 501(c)(14). As such, the Credit Union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, IRC Section 511 imposes a tax on the unrelated business income (as defined in Section 512) derived by state-chartered credit unions. The IRS ruled certain products and services to be subject to taxation as unrelated business income. The Credit Union has assessed its activities and any potential federal or state income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purpose is not expected to have a material effect on the Credit Union's financial condition or results of operations. The Credit Union's income tax filings are subject to audit by various taxing authorities for open tax periods starting in 2019 going forward.”

Raw XML AppendixShowing 400 of 941 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt09924704
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt013847631
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0THE CREDIT UNION'S OPERATIONS INCLUDE HOLDING DEPOSITS FOR AND MAKING LOANS TO INDIVIDUALS WHO WORK OR RESIDE IN THE STATE OF MICHIGAN.
IRS990/AdvertisingGrp/TotalAmt0770239
IRS990/AllOtherExpensesGrp/TotalAmt02318911
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0Earle Shelner II
IRS990/BooksInCareOfDetail/PhoneNum02695443471
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01551 S 9th Street
IRS990/BooksInCareOfDetail/USAddress/CityNm0Kalamazoo
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049009
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt04321558
IRS990/CashNonInterestBearingGrp/EOYAmt04085693
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt010
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt02183367
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt0216522
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt03594604
IRS990/ContractorCompensationGrp/CompensationAmt12530483
IRS990/ContractorCompensationGrp/CompensationAmt2208682
IRS990/ContractorCompensationGrp/CompensationAmt3176566
IRS990/ContractorCompensationGrp/CompensationAmt4162770
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0560 CARILLON PARKWAY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt175 REMITTANCE DRIVE DEPT 1649
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2700 Mall Drive
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt34420 Rosewood Dr
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt43344 Ravine Rd
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt0PP Box 2470
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt1Suite 500
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0ST PETERSBURG
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1CHICAGO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2Portage
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3Pleasanton
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4Kalamazoo
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0FL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd033716
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd160197
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd249001
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd394588
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd449006
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0PSCU
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1FISERV
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2QUALITY ACQUISITIONS LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3ICE MORTGAGE TECHNOLOGY
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4SERVICEMASTER OF KALAMAZOO
IRS990/ContractorCompensationGrp/ServicesDesc0CREDIT CARD AND DEBIT CARD PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc1CORE SYSTEM PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc2Building Leasing
IRS990/ContractorCompensationGrp/ServicesDesc3Mortgage Loan Origination Platform
IRS990/ContractorCompensationGrp/ServicesDesc4Commercial Cleaning Services
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt024000
IRS990/CYInvestmentIncomeAmt02130873
IRS990/CYOtherExpensesAmt021071794
IRS990/CYOtherRevenueAmt01767537
IRS990/CYProgramServiceRevenueAmt038701166
IRS990/CYRevenuesLessExpensesAmt05772071
IRS990/CYSalariesCompEmpBnftPaidAmt015731711
IRS990/CYTotalExpensesAmt036827505
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
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IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt0Arthur Parker
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt1David Aubry
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt2Joni LaPointe
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt3Richard Cahow
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt4Jeff Powless
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt5Josie Wyne
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt6Kimberly Rohr
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt7Earle D Shelner II
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt8Julie A Blitchok
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt9Arlene C Horton
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt10Christopher Jacobs
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt11James O Blankenship
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt12Judith Robbins
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt13Susan Weir
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt14Tamara L Phelps
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt15Christine E Ferguson
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt16Jeffery Lee Potter
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt17John Hatridge
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt18Mark Gilbert
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt19Ryan A Maneke
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IRS990/Form990PartVIISectionAGrp/TitleTxt8President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP of Talent Strategy and Organization
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP of Consumer Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP Information Systems
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IRS990/Form990PartVIISectionAGrp/TitleTxt13VP of Mortgage Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP of Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt16Director of Mortgage Sales/Originator
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IRS990/Form990PartVIISectionAGrp/TitleTxt18Mortgage Loan Originator
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IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Julie Blitchok
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IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
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IRS990/ProgSrvcAccomActy2Grp/Desc0ALLOWING MEMBERS DIRECT ACCESS TO THEIR CHECKING ACCOUNT AT MERCHANTS THROUGH OUR DEBIT CARD PROGRAM, and allowing members access to credit through our credit card program.
IRS990/ProgSrvcAccomActy3Grp/Desc0ALLOWING MEMBERS ACCESS TO OVER 37,000 ATMS THROUGHOUT THE US THROUGH OUR ATM NETWORKING PROGRAM.
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