Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 38-0822073

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 06, 2014

Organization ProfileWWW.NUPATHCU.COM

View Organization Page

1280 Biddle Ave48192

(734) 282-9200

Siviq Scores

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

Liabilities / Assets

69th percentile

0.91x

Higher debt load relative to assets than 69% of similar nonprofits.

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

Liabilities / Revenue

63rd percentile

19.65x

Higher debt load relative to revenue than 63% of similar nonprofits.

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

Net Margin

24th percentile

2.9%

Higher net margin than 24% of similar nonprofits.

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

Top Officer Pay

29th percentile

$111,053

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

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

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets69th percentile

Assets

$92,512,452

No earlier filing loaded for comparison.

Net Assets

$8,622,716

No earlier filing loaded for comparison.

Liabilities

$83,889,736

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue63rd percentileNet Margin24th percentile

Revenue

$4,268,124

No earlier filing loaded for comparison.

Expenses

$4,142,901

No earlier filing loaded for comparison.

Net Income

$125,223

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$150M$100M$50M$0Assets 2013: $92,512,452Liabilities 2013: $83,889,736Net Assets 2013: $8,622,7162013Assets 2014: $104,188,955Liabilities 2014: $93,652,292Net Assets 2014: $10,536,6632014

Highlighted filing

2013

Assets$92,512,452
Liabilities$83,889,736
Net Assets$8,622,716
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2013: $4,268,124Expenses 2013: $4,142,901Net Income 2013: $125,2232013Revenue 2014: $4,543,243Expenses 2014: $4,587,441Net Income 2014: -$44,1982014

Highlighted filing

2013

Revenue$4,268,124
Expenses$4,142,901
Net Income$125,223
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 6, 2014
Return Version
2013v3.0
Gross Receipts
$4,350,414
Mission and Program Overview

Mission

Diversified in membership, united in service.

Diversified in membership and united in service. Serving all persons in the following communities: wayne county, mi, monroe county, mi, ottawa county, mi, kent county, mi, and allegan county, mi, with a full array of financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$45,205,341$49,968,024▲ $4,762,683
Other Notes and Loans Receivable, Net$39,716,519$37,504,378▼ $2,212,141
Rtn Earn Endowment Incm Other Fnds$7,712,908$8,622,716▲ $909,808
Land, Buildings, and Equipment, Net$1,723,976$1,599,167▼ $124,809
Cash and Non-Interest-Bearing Accounts$1,123,690$1,165,808▲ $42,118
Prepaid Expenses and Deferred Charges$152,725$173,863▲ $21,138
Savings and Temporary Cash Investments$0$1,959▲ $1,959
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$89,112,613$92,512,452▲ $3,399,839
Other Assets Total$1,190,362$2,099,253▲ $908,891
Liabilities
Other Liabilities$81,235,828$83,742,958▲ $2,507,130
Accounts Payable and Accrued Expenses$163,877$146,778▼ $17,099
Total Liabilities$81,399,705$83,889,736▲ $2,490,031
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,712,908$8,622,716▲ $909,808
Total Liabilities and Net Assets / Fund Balance$89,112,613$92,512,452▲ $3,399,839

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,068,044$1,601,318$2,669,362
Equipment$125,414$1,499,615$1,625,029
Land$384,270-$384,270
Leasehold Improvements$21,439$108,007$129,446
Other Securities$14,173,954--
Compensation and Service Providers
Top Officer Pay29th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kathryn WhitePresident/CEOFT$103,938$7,115$111,053
Jan VanwassehnoveEvpFT$63,585$28,284$91,869

Board Members and Trustees

NameTitle
Tina SniderBoard Chairwoman
Jack MilesBoard Vice Chair
Drew TorresBoard
Michael PaschkeBoard
Michael SadowskiBoard
Nova SchleicherBoard
James TaftBoard Secretary
Ronald KorowinBoard Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Member Driven TechnologyCore Processor-$255,969
Fis Card ServicesVisa Processor-$228,758
Cu Cooperative SystemsAtm/debit Processor-$146,815
Resources Global ProfessionalsConsulting-$100,001
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,584,404
Investment Income
$490,169
Other Revenue
$193,551
Change in Net Assets
$125,223
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,639,728
Salaries, Compensation, and Employee Benefits$1,503,173
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,036,280
All Other Expenses---$488,641
Fees for Services Accounting---$289,339
Other Expenses---$208,820
Other Employee Benefits---$205,723
Current Officers, Directors, Trustees, and Key Employees---$202,922
Occupancy---$171,224
Office Expenses---$147,776
Depreciation Depletion---$139,768
Payroll Taxes---$107,964
Advertising---$103,463
Insurance---$38,453
Travel---$33,792
Information Technology---$33,130
Fees for Services Legal---$11,374
Conferences and Meetings---$2,446
Interest---$63
Pension Plan Contributions---$-49,716
Total Functional Expenses$0$0$0$4,142,901
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$83,902,061
Fasb 106 Benefit Obligation$-159,103
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
No
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

“Members are able to vote for their governing body.”

Form 990, Part VI, Section B, Line 11

“Form 990 is available to the governing body for review upon request. The president/ceo reviews the form 990 prior to filing.”

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

“Company policies are reviewed annually.”

Form 990, Part VI, Section B, Line 15

“The salary survey produced by industry standards is reviewed and we look at credit unions in our area, of comparable size and membership.”

Form 990, Part VI, Section C, Line 19

“The credit union makes its' financial statements available to the public upon request.”

Filing and Contact Details

Filer

EIN
38-0822073
Phone
7342829200

Signing Officer

Name
Kathryn L White
Title
President/CEO
Phone
7342829200
Signed
2014-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kathryn L White
Formed
1938
Legal Domicile
Mi
Voting Board Members
8
Independent Board Members
8
Employees
40
Volunteers
8

Preparer

Preparer
Joseph Zito CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Other office operations 163,271. Provision for loan losses 121,000. Fraud & write-offs 61,639. Ncua assessment 58,942. Education & training 37,996. Miscellaneous 30,157. Operating fees-ncua 12,976. Donations 2,660.”

FORM 990, PART XI, LINE 9:

“Change in post retirement benefits 94,072. Change in defined benefit plan 657,925.”

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 AppendixShowing 400 of 436 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/PersonNm6DREW TORRES
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IRS990/OtherRevenueTotalAmt0193551
IRS990/OtherSalariesAndWagesGrp/TotalAmt01036280
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt039716519
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt037504378
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0107964
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0-49716
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0152725
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0173863
IRS990/PrincipalOfficerNm0KATHRYN L WHITE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02419997
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11164407
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02419997
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11164407
IRS990/ProgSrvcAccomActy2Grp/Desc0SAVINGS AND LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0ONLINE BILL PAY.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/ReconcilationRevenueExpnssAmt0125223
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07712908
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08622716
IRS990/SavingsAndTempCashInvstGrp/BOYAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01959
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01068044
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01601318
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02669362
IRS990ScheduleD/EquipmentGrp/BookValueAmt0125414
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01499615
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01625029
IRS990ScheduleD/LandGrp/BookValueAmt0384270
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0384270
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt021439
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0108007
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0129446
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt083902061
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1-159103
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1FASB 106 BENEFIT OBLIGATION
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0736776
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt12882
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2530376
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3401200
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt422160000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt532588
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt611930248
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt714173954
IRS990ScheduleD/OtherSecuritiesGrp/Desc0NCUSIF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CUSO'S
IRS990ScheduleD/OtherSecuritiesGrp/Desc2SETTLEMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3PERPETUAL CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc4CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/Desc5AVAILABLE FOR SALE
IRS990ScheduleD/OtherSecuritiesGrp/Desc6AVAILABLE FOR SALE
IRS990ScheduleD/OtherSecuritiesGrp/Desc7SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd6F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd7F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01599167
IRS990ScheduleD/TotalBookValueSecuritiesAmt049968024
IRS990ScheduleD/TotalLiabilityAmt083742958
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ANYONE THAT HAS AN ACCOUNT AT THE CREDIT UNION IS ALSO A MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ARE ABLE TO VOTE FOR THEIR GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 IS AVAILABLE TO THE GOVERNING BODY FOR REVIEW UPON REQUEST. THE PRESIDENT/CEO REVIEWS THE FORM 990 PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMPANY POLICIES ARE REVIEWED ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE SALARY SURVEY PRODUCED BY INDUSTRY STANDARDS IS REVIEWED AND WE LOOK AT CREDIT UNIONS IN OUR AREA, OF COMPARABLE SIZE AND MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION MAKES ITS' FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OTHER OFFICE OPERATIONS 163,271. PROVISION FOR LOAN LOSSES 121,000. FRAUD & WRITE-OFFS 61,639. NCUA ASSESSMENT 58,942. EDUCATION & TRAINING 37,996. MISCELLANEOUS 30,157. OPERATING FEES-NCUA 12,976. DONATIONS 2,660.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CHANGE IN POST RETIREMENT BENEFITS 94,072. CHANGE IN DEFINED BENEFIT PLAN 657,925.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8AUDITED 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 B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 24E
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 2B:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt089112613
IRS990/TotalAssetsEOYAmt092512452
IRS990/TotalAssetsGrp/BOYAmt089112613
IRS990/TotalAssetsGrp/EOYAmt092512452
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt040
IRS990/TotalFunctionalExpensesGrp/TotalAmt04142901
IRS990/TotalGrossUBIAmt051970
IRS990/TotalLiabilitiesBOYAmt081399705
IRS990/TotalLiabilitiesEOYAmt083889736
IRS990/TotalLiabilitiesGrp/BOYAmt081399705
IRS990/TotalLiabilitiesGrp/EOYAmt083889736
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07712908
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08622716
IRS990/TotalOtherCompensationAmt035399
IRS990/TotalProgramServiceRevenueAmt03584404
IRS990/TotalReportableCompFromOrgAmt0167523
IRS990/TotalRevenueGrp/ExclusionAmt0490169
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03725985
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04268124
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt051970
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt089112613
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt092512452
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt033792
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$92,512,452
Liabilities
$83,889,736
Net assets
$8,622,716
Revenue
$4,268,124
Expenses
$4,142,901
Net income
$125,223
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$104$93.7$10.5$4.54$4.59$0.04
2013Detailed filing. Detailed filing data is available for this year.$92.5$83.9$8.62$4.27$4.14$0.13