Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2013 • EIN 38-0745805

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 15, 2014

Organization ProfileWWW.CASECU.ORG

View Organization Page

PO Box 22158Lansing, MI 48909

(517) 393-7710

Siviq Scores

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Balance Sheet

Assets

Up

$237,523,597

Up $8,247,827 (+3.6%) from 2012

Net Assets

Down

$20,457,964

Down $1,063,461 (-4.9%) from 2012

Liabilities

Up

$217,065,633

Up $9,311,288 (+4.5%) from 2012

Revenue And Expenses

Revenue

Up

$14,991,163

Up $2,402,305 (+19%) from 2012

Expenses

Up

$15,291,575

Up $3,596,870 (+31%) from 2012

Net Income

Down

-$300,412

Down $1,194,565 (-134%) from 2012

Historical Trend

Balance Sheet Trend

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

$400M$300M$200M$100M$0Assets 2010: $193,162,751Liabilities 2010: $174,257,839Net Assets 2010: $18,904,9122010Assets 2011: $207,135,501Liabilities 2011: $186,526,287Net Assets 2011: $20,609,2142011Assets 2012: $229,275,770Liabilities 2012: $207,754,345Net Assets 2012: $21,521,4252012Assets 2013: $237,523,597Liabilities 2013: $217,065,633Net Assets 2013: $20,457,9642013Assets 2014: $240,675,063Liabilities 2014: $218,257,466Net Assets 2014: $22,417,5972014Assets 2015: $253,718,743Liabilities 2015: $229,498,847Net Assets 2015: $24,219,8962015Assets 2016: $274,517,380Liabilities 2016: $249,309,904Net Assets 2016: $25,207,4762016Assets 2017: $278,002,102Liabilities 2017: $253,014,447Net Assets 2017: $24,987,6552017Assets 2018: $285,215,372Liabilities 2018: $259,628,716Net Assets 2018: $25,586,6562018Assets 2019: $300,959,636Liabilities 2019: $271,366,865Net Assets 2019: $29,592,7712019Assets 2020: $357,531,798Liabilities 2020: $322,028,664Net Assets 2020: $35,503,1342020Assets 2021: $383,174,122Liabilities 2021: $344,991,493Net Assets 2021: $38,182,6292021Assets 2022: $396,816,157Liabilities 2022: $365,426,170Net Assets 2022: $31,389,9872022Assets 2023: $392,281,189Liabilities 2023: $360,226,482Net Assets 2023: $32,054,7072023Assets 2024: $387,984,817Liabilities 2024: $353,758,606Net Assets 2024: $34,226,2112024

Highlighted filing

2013

Assets$237,523,597
Liabilities$217,065,633
Net Assets$20,457,964
Open 2013 Filing

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$30M$20M$10M$0-$10MExpenses 2010: $10,424,3342010Expenses 2011: $9,891,7672011Revenue 2012: $12,588,858Expenses 2012: $11,694,705Net Income 2012: $894,1532012Revenue 2013: $14,991,163Expenses 2013: $15,291,575Net Income 2013: -$300,4122013Revenue 2014: $16,555,717Expenses 2014: $14,122,555Net Income 2014: $2,433,1622014Revenue 2015: $16,421,339Expenses 2015: $14,378,322Net Income 2015: $2,043,0172015Revenue 2016: $17,981,245Expenses 2016: $16,090,669Net Income 2016: $1,890,5762016Revenue 2017: $18,745,774Expenses 2017: $18,939,182Net Income 2017: -$193,4082017Revenue 2018: $19,542,722Expenses 2018: $18,704,187Net Income 2018: $838,5352018Revenue 2019: $20,095,348Expenses 2019: $16,949,190Net Income 2019: $3,146,1582019Revenue 2020: $20,950,922Expenses 2020: $15,900,220Net Income 2020: $5,050,7022020Revenue 2021: $20,620,547Expenses 2021: $16,856,432Net Income 2021: $3,764,1152021Revenue 2022: $20,419,805Expenses 2022: $20,258,407Net Income 2022: $161,3982022Revenue 2023: $23,816,392Expenses 2023: $23,010,541Net Income 2023: $805,8512023Revenue 2024: $26,422,134Expenses 2024: $23,995,054Net Income 2024: $2,427,0802024

Highlighted filing

2013

Revenue$14,991,163
Expenses$15,291,575
Net Income-$300,412
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 15, 2014
Return Version
2013v4.0
Gross Receipts
$18,308,951
Mission and Program Overview

Mission

To assist members and employees to achieve financial success through service that is superior, convenient, and easy to use.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$165,402,128$181,231,339▲ $15,829,211
Rtn Earn Endowment Incm Other Fnds$21,521,425$20,457,964▼ $1,063,461
Investments Other Securities$24,208,304$19,180,230▼ $5,028,074
Land, Buildings, and Equipment, Net$10,454,864$13,287,425▲ $2,832,561
Investments in Publicly Traded Securities$18,668,646$10,827,630▼ $7,841,016
Savings and Temporary Cash Investments$3,278,628$4,311,664▲ $1,033,036
Cash and Non-Interest-Bearing Accounts$3,156,865$4,059,663▲ $902,798
Accounts Receivable$774,793$733,798▼ $40,995
Total Assets$229,275,770$237,523,597▲ $8,247,827
Other Assets Total$3,331,542$3,891,848▲ $560,306
Liabilities
Other Liabilities$207,099,999$215,657,020▲ $8,557,021
Accounts Payable and Accrued Expenses$654,346$1,408,613▲ $754,267
Total Liabilities$207,754,345$217,065,633▲ $9,311,288
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,521,425$20,457,964▼ $1,063,461
Total Liabilities and Net Assets / Fund Balance$229,275,770$237,523,597▲ $8,247,827

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,148,570$1,632,788$7,781,358
Land$5,588,304-$5,588,304
Equipment$1,550,551$2,485,471$4,036,022
Leasehold Improvements-$1,028$1,028
Other Securities$600,000--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jeffrey BensonCEOFT$236,769$79,074$315,843
Jacob DarabosCFOFT$91,515$7,685$99,200

Board Members and Trustees

NameTitle
William Brewer IiBoard Chairp
Marshall Lee Hudson SrVice Chairpe
Bo GarciaBoard Direct
Fred GoersBoard Direct
Jane OlneyBoard Direct
Craig GodfreyBoard Member
Samuel DuncanBoard Member
Kathy ProutSecretary
Karen SpottsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$5,242
Program Service Revenue
$14,065,523
Investment Income
$920,398
Other Revenue
$0
Change in Net Assets
$-300,412

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,991,163
Revenue Not Reported on Form 990
$-727,869
Total Revenue per Audited Statements
$14,263,294
Total Revenue per Form 990
$14,991,163
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,613,058
Salaries, Compensation, and Employee Benefits$4,857,228
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,292,430
Information Technology---$892,373
Benefits to Members---$821,289
Depreciation Depletion---$634,431
Other Employee Benefits---$595,915
Fees for Services Other---$483,718
Advertising---$429,755
Current Officers, Directors, Trustees, and Key Employees---$415,043
Occupancy---$400,588
Interest---$367,831
Payroll Taxes---$350,758
Office Expenses---$332,593
Other Expenses---$220,743
Pension Plan Contributions---$203,082
All Other Expenses---$155,959
Fees for Services Accounting---$107,816
Insurance---$74,143
Conferences and Meetings---$52,668
Travel---$47,934
Total Functional Expenses$0$0$0$15,291,575

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$15,291,575
Total Expenses per Audited Statements$15,291,575
Total Expenses per Form 990$15,291,575
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
MEMBERS' SHARES$200,657,020
Fhlb Advance$15,000,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 4

“The credit union's by-laws were changed in 2013 to expand the field of membership to include any individual or business that makes a donation to case cares.”

Form 990, Page 6, Part VI, Line 6

“All members receive a vote when voting to elect persons to the governing body.”

Form 990, Page 6, Part VI, Line 7A

“All members have one vote to elect members to the governing body.”

Form 990, Page 6, Part VI, Line 11B

“The 990 is provided to the board, audit committee and management electronically.”

Form 990, Page 6, Part VI, Line 12C

“All contracts entered into must be approved by senior management. Gifts are not to be accepted. If gifts are accepted, it is to be reported to senior management or the board. The board members and officers annually sign off on the credit union's code of conduct, which includes the conflict of interest policy.”

Form 990, Page 6, Part VI, Line 15A

“Board of directors has a compensation committee who determines the compensation package of the ceo on an annual basis. They use comparability data from recruiting firms on setting pay.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and conflict of interest policy are available upon request to the public. Financial statements are posted in the lobbies of each branch, annual reports are available at the annual meeting, and the quarterly call report is posted publicly on the ncua's website.”

Filing and Contact Details

Filer

EIN
38-0745805
Phone
5173937710

Signing Officer

Name
Jeffrey Benson
Title
Chief Executive Officer
Phone
5173937710
Signed
2014-10-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jeffrey Benson
Formed
1936
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
122
Volunteers
9

Preparer

Preparer
Julie M Pfeifle
Phone
5177060800
Supplemental Narrative

Additional Explanations

Form 990

“All lines left blank are not applicable to the organization.”

Form 990, Part XI, Line 9

“Postretirement adjustment -35,180”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Escrow accounts are used for the purpose of paying taxes and insurance on real estate loans.”

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IRS990/ProgSrvcAccomActy2Grp/Desc0CASE CREDIT UNION HAS OVER 30,000 MEMBERS. OUR MEMBERSHIP ENJOY A WIDE VARIETY OF SAVINGS OPTIONS TO SUIT THEIR INDIVIDUAL NEEDS. WE OFFER SEVERAL SAVINGS AND CHECKING OPTIONS, MONEY MARKET ACCOUNTS, TERM DEPOSITS, IRA'S AND CHRISTMAS CLUB ACCOUNTS. ALL MEMBERS ARE REQUIRED TO MAINTAIN A 5 SHARE DEPOSIT TO CONTINUE THEIR MEMBERSHIP. OUR RATES AND PRODUCT OFFERINGS ARE COMPETITIVE.
IRS990/ProgSrvcAccomActy3Grp/Desc0CASE CREDIT UNION OFFERS A WIDE VARIETY OF ELECTRONIC SERVICES. THE SERVICES ARE FREE FOR MEMBERS. SERVICES INCLUDE BUT NOT LIMITED TO: ONLINE BANKING, BILL PAY, MOBILE BANKING, TEXT BANKING, QUICKEN, FINANCE WORKS, TELEPHONE BANKING, CONTACT CENTER, ONLINE LOAN APPLICATIONS, AND POP MONEY (FUNDS TRANSFER).
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ESCROW ACCOUNTS ARE USED FOR THE PURPOSE OF PAYING TAXES AND INSURANCE ON REAL ESTATE LOANS.
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JEFFREY BENSON
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IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0BOARD OF DIRECTORS RECEIVE TRAVEL FOR COMPANIONS WHEN THEY ARE ON CREDIT UNION EDUCATION TRIPS. FORM 1099S ARE ISSUED IF THE FAIR MARKET VALUE EXCEEDS FILING THRESHOLDS.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PAGE 1, PART I, LINE 1A
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IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL LINES LEFT BLANK ARE NOT APPLICABLE TO THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION'S BY-LAWS WERE CHANGED IN 2013 TO EXPAND THE FIELD OF MEMBERSHIP TO INCLUDE ANY INDIVIDUAL OR BUSINESS THAT MAKES A DONATION TO CASE CARES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL MEMBERS RECEIVE A VOTE WHEN VOTING TO ELECT PERSONS TO THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL MEMBERS HAVE ONE VOTE TO ELECT MEMBERS TO THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE 990 IS PROVIDED TO THE BOARD, AUDIT COMMITTEE AND MANAGEMENT ELECTRONICALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ALL CONTRACTS ENTERED INTO MUST BE APPROVED BY SENIOR MANAGEMENT. GIFTS ARE NOT TO BE ACCEPTED. IF GIFTS ARE ACCEPTED, IT IS TO BE REPORTED TO SENIOR MANAGEMENT OR THE BOARD. THE BOARD MEMBERS AND OFFICERS ANNUALLY SIGN OFF ON THE CREDIT UNION'S CODE OF CONDUCT, WHICH INCLUDES THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BOARD OF DIRECTORS HAS A COMPENSATION COMMITTEE WHO DETERMINES THE COMPENSATION PACKAGE OF THE CEO ON AN ANNUAL BASIS. THEY USE COMPARABILITY DATA FROM RECRUITING FIRMS ON SETTING PAY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST TO THE PUBLIC. FINANCIAL STATEMENTS ARE POSTED IN THE LOBBIES OF EACH BRANCH, ANNUAL REPORTS ARE AVAILABLE AT THE ANNUAL MEETING, AND THE QUARTERLY CALL REPORT IS POSTED PUBLICLY ON THE NCUA'S WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8POSTRETIREMENT ADJUSTMENT -35,180
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
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IRS990ScheduleR/IdDisregardedEntitiesGrp/DisregardedEntityName/BusinessNameLine20EDUCATED SOLUTIONS LLC
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt020457964

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$237,523,597
Liabilities
$217,065,633
Net assets
$20,457,964
Revenue
$14,991,163
Expenses
$15,291,575
Net income
-$300,412
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$388$354$34.2$26.4$24.0$2.43
2023Detailed filing. Detailed filing data is available for this year.$392$360$32.1$23.8$23.0$0.81
2022Detailed filing. Detailed filing data is available for this year.$397$365$31.4$20.4$20.3$0.16
2021Detailed filing. Detailed filing data is available for this year.$383$345$38.2$20.6$16.9$3.76
2020Detailed filing. Detailed filing data is available for this year.$358$322$35.5$21.0$15.9$5.05
2019Detailed filing. Detailed filing data is available for this year.$301$271$29.6$20.1$16.9$3.15
2018Detailed filing. Detailed filing data is available for this year.$285$260$25.6$19.5$18.7$0.84
2017Detailed filing. Detailed filing data is available for this year.$278$253$25.0$18.7$18.9$0.19
2016Detailed filing. Detailed filing data is available for this year.$275$249$25.2$18.0$16.1$1.89
2015Detailed filing. Detailed filing data is available for this year.$254$229$24.2$16.4$14.4$2.04
2014Detailed filing. Detailed filing data is available for this year.$241$218$22.4$16.6$14.1$2.43
2013Detailed filing. Detailed filing data is available for this year.$238$217$20.5$15.0$15.3$0.30
2012Summary only. Only limited summary data is available for this year.$229$208$21.5$12.6$11.7$0.89
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$207$187$20.6$9.89
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$193$174$18.9$10.4