Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2018 • EIN 38-0703992

Jan 01, 2018 to Dec 31, 2018 • Filed on May 14, 2019

Organization Profilewww.arborfcu.org

View Organization Page

1551 South 9th StreetKalamazoo, MI 49009-9327

(269) 375-6702

Siviq Scores

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

Liabilities / Assets

74th percentile

0.91x

Higher debt load relative to assets than 74% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

39th percentile

15.92x

Higher debt load relative to revenue than 39% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

70th percentile

18%

Higher net margin than 70% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

67th percentile

$471,974

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

84th percentile

9.5%

Faster asset growth than 84% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

85th percentile

18%

Faster revenue growth than 85% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$573,422,495

Up $49,701,228 (+9.5%) from 2017

Net Assets

Up

$54,120,071

Up $6,041,376 (+13%) from 2017

Liabilities

Up

$519,302,424

Up $43,659,852 (+9.2%) from 2017

Revenue And Expenses
Liabilities / Revenue39th percentileNet Margin70th percentile

Revenue

Up

$32,620,125

Up $4,874,003 (+18%) from 2017

Expenses

Up

$26,784,115

Up $3,378,988 (+14%) from 2017

Net Income

Up

$5,836,010

Up $1,495,015 (+34%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth84th percentile

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

$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

2018

Assets$573,422,495
Liabilities$519,302,424
Net Assets$54,120,071
Open 2018 Filing

Operations Trend

Revenue Growth85th percentile

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

2018

Revenue$32,620,125
Expenses$26,784,115
Net Income$5,836,010
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 14, 2019
Return Version
2018v3.1
Gross Receipts
$68,381,258
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$410,578,081$467,589,834▲ $57,011,753
Rtn Earn Endowment Incm Other Fnds$48,078,695$54,120,071▲ $6,041,376
Savings and Temporary Cash Investments$41,030,980$42,322,718▲ $1,291,738
Land, Buildings, and Equipment, Net$17,326,216$18,299,453▲ $973,237
Investments in Publicly Traded Securities$24,963,827$14,482,783▼ $10,481,044
Investments Other Securities$3,788,800$4,238,800▲ $450,000
Receivables From Officers Etc$3,852,916$3,778,645▼ $74,271
Cash and Non-Interest-Bearing Accounts$3,522,706$3,023,267▼ $499,439
Prepaid Expenses and Deferred Charges$380,106$617,104▲ $236,998
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$523,721,267$573,422,495▲ $49,701,228
Other Assets Total$18,277,635$19,069,891▲ $792,256
Liabilities
Other Liabilities$411,959,847$456,196,685▲ $44,236,838
Mortgage Notes Payable Secured by Investment Property$54,750,000$55,250,000▲ $500,000
Accounts Payable and Accrued Expenses$6,817,852$5,771,302▼ $1,046,550
Escrow Account Liability$2,114,873$2,084,437▼ $30,436
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$475,642,572$519,302,424▲ $43,659,852
Net Assets / Fund Balance
Permanently Rstr Net Assets$0$0→ $0
Temporarily Rstr Net Assets$0$0→ $0
Unrestricted Net Assets$0$0→ $0
Total Net Assets Fund Balance$48,078,695$54,120,071▲ $6,041,376
Total Liabilities and Net Assets / Fund Balance$523,721,267$573,422,495▲ $49,701,228

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,408,654$2,225,310$13,633,964
Equipment$2,297,726$3,497,786$5,795,512
Land$3,624,251-$3,624,251
Other Land Buildings$968,822-$968,822
Leasehold Improvements$0$127,933$127,933
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
-President/CEOFT$319,624$152,350$471,974
-VP FinanceFT$158,375$74,246$232,621
-VP OperationsFT$133,912$62,023$195,935
-VP Loan ServicesFT$127,410$64,614$192,024
-VP Human ResourcesFT$128,250$62,830$191,080
-VP MarketingFT$115,082$62,508$177,590
-Director of Commercial LendingFT$35,809$138,584$174,393
-VP Information SystemsFT$134,717$33,716$168,433
-Director of Loan ServicesFT$104,121$33,955$138,076
-VP Commercial & Private BankingFT$111,616$19,770$131,386

Board Members and Trustees

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

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservCore System Processor75 REMITTANCE DRIVE DEPT 1649, Chicago, IL 60197$1,708,609
FisCredit Card ProcessorPO BOX 4535, Carol Stream, IL 60197$1,121,546
VantivDebit Card Processor8500 GOVERNORS HILL DR, Symmes Township, OH 45249$998,207
Glas Associates INCConstruction6339 STADIUM DR, Kalamazoo, MI 49009$986,994
HumanexConsulting100 W Michigan Ave Ste 250, Kalamazoo, MI 49007$174,155
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$29,582,295
Investment Income
$2,107,270
Other Revenue
$930,560
All Other Contributions
$0
Change in Net Assets
$5,836,010

Audited Revenue Reconciliation

Revenue per Audited Statements
$32,620,125
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$32,620,125
Total Revenue per Form 990
$32,620,125
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,045,694
Salaries, Compensation, and Employee Benefits$10,714,421
Grants and Similar Amounts Paid$24,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$6,692,434
Interest---$3,598,218
Information Technology---$1,523,758
Current Officers, Directors, Trustees, and Key Employees$0$0$0$1,461,225
Office Expenses---$1,436,787
Other Employee Benefits---$1,425,398
Depreciation Depletion---$1,023,018
Advertising---$775,719
Occupancy---$771,325
Other Expenses---$688,803
Payroll Taxes---$628,151
All Other Expenses$0$0$0$623,707
Pension Plan Contributions---$507,213
Conferences and Meetings---$424,255
Fees for Services Other$0$0$0$318,776
Fees for Services Accounting---$131,874
Fees for Services Legal---$111,108
Insurance---$95,344
Payments to Affiliates---$64,524
Grants to Domestic Individuals---$24,000
Travel---$11,500
Total Functional Expenses$0$0$0$26,784,115

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$26,784,115
Total Expenses per Audited Statements$26,784,115
Total Expenses per Form 990$26,784,115
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
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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$3,852,916$3,778,645▼ $74,271
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$456,196,685
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
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 4 Significant changes to organizational documents

“The Bylaws have been updated to reflect that the credit union now has approval to accept members for the entire state of Michigan.”

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 will be provided for the board of directors to review at a regular scheduled board meeting prior to filing with the irs. Individual copies will not be handed out to each board member.”

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 2018. 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 2018. 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

“Life Insurance Income - Total Revenue: 314274, Related or Exempt Function Revenue: 314274, Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ; NCUA Stabilization - Total Revenue: 267269, Related or Exempt Function Revenue: 267269, Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ; Miscellaneous Income - Total Revenue: 150152, Related or Exempt Function Revenue: 150152, 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
Signed
2019-05-14
Discuss with paid preparer
Yes

Organization Details

Formed
1935
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
191
Volunteers
9

Preparer

Firm
Crowe Llp
Address
225 West Wacker Drive Suite 2600, Chicago, IL 60606-1224
Preparer
Danielle Tewes
Phone
3128997000
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

“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 purpose. However, irs section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. Many states have similar laws. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been an issue for many years. The internal revenue service ("irs") issued a series of technical advise memoranda ("tam") to a number of state-chartered credit unions located throughout the country. In these tams, the irs ruled certain products and services to be subject to taxation as unrelated business income. In light of the tams, 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 and open tax periods include 2015-2017.”

Raw XML AppendixShowing 400 of 809 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/BusinessName/BusinessNameLine1Txt2Arthur Parker
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt3Barbara Winter
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt4Jeff Powless
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt5Kimberly Rohr
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt6Joni LaPointe
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt7Eric Lum
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt8Josie Howard-Wyne
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt9Julie A Blitchok
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt10Earle D Shelner II
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt11Tamara L Phelps
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt12Arlene C Horton
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt13Jeffrey F DeShane
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt14Ryan M Reffitt (partial)
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt15James O Blankenship
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt16Christine E Camp
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1044186
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1135663
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1232254
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1340114
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1416421
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1523089
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1639184
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1719770
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1833955
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice-Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP Human Resources
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP Loan Services
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director of Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP Information Systems
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP Commercial & Private Banking
IRS990/Form990PartVIISectionAGrp/TitleTxt18Director of Loan Services
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IRS990/Form990TFiledInd0true
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IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/FundraisingAmt00
IRS990/FundraisingDirectExpensesAmt00
IRS990/FundraisingGrossIncomeAmt00
IRS990/GainOrLossGrp/OtherAmt0774121
IRS990/GainOrLossGrp/SecuritiesAmt070
IRS990/GamingActivitiesInd0false
IRS990/GamingDirectExpensesAmt00
IRS990/GamingGrossIncomeAmt00
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IRS990/GovernmentGrantsAmt00
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt024000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0true
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt025327949
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt011207375
IRS990/GrossReceiptsAmt068381258
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt00
IRS990/GrossSalesOfInventoryAmt00
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt011
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01523758
IRS990/InsuranceGrp/TotalAmt095344
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt03598218
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
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IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01333079
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt04238800
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt014482783
IRS990/IRPDocumentCnt014851
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05851029
IRS990/LandBldgEquipBasisNetGrp/BOYAmt017326216
IRS990/LandBldgEquipBasisNetGrp/EOYAmt018299453
IRS990/LandBldgEquipCostOrOtherBssAmt024150482
IRS990/LegalDomicileStateCd0MI
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IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt011207305
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IRS990/LessRentalExpensesGrp/RealAmt00
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IRS990/OfficeExpensesGrp/TotalAmt01436787
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IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1Visa and Mastercard Expenses
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3ATM EXPENSES
IRS990/OtherExpensesGrp/TotalAmt02141261
IRS990/OtherExpensesGrp/TotalAmt11577411
IRS990/OtherExpensesGrp/TotalAmt2728306

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$573,422,495
Liabilities
$519,302,424
Net assets
$54,120,071
Revenue
$32,620,125
Expenses
$26,784,115
Net income
$5,836,010
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
2018Detailed filing. Detailed filing data is available for this year.$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