Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2017 • EIN 38-0855535

Jan 01, 2017 to Dec 31, 2017 • Filed on May 08, 2018

Organization ProfileWWW.ADVENTURECU.ORG

View Organization Page

630 32nd Street SEGrand Rapids, MI 49548

(616) 243-0125

Siviq Scores

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

Liabilities / Assets

35th percentile

0.88x

Higher debt load relative to assets than 35% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

50th percentile

17.59x

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

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

4th percentile

1.1%

Higher net margin than 4% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

19th percentile

$283,640

Higher top officer pay than 19% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

86th percentile

11%

Faster asset growth than 86% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

58th percentile

9.1%

Faster revenue growth than 58% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets35th percentile

Assets

Up

$385,710,905

Up $39,432,776 (+11%) from 2016

Net Assets

Up

$45,484,192

Up $70,151 (+0.2%) from 2016

Liabilities

Up

$340,226,713

Up $39,362,625 (+13%) from 2016

Revenue And Expenses
Liabilities / Revenue50th percentileNet Margin4th percentile

Revenue

Up

$19,341,957

Up $1,617,598 (+9.1%) from 2016

Expenses

Up

$19,127,778

Up $1,636,673 (+9.4%) from 2016

Net Income

Down

$214,179

Down $19,075 (-8.2%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth86th percentile

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

$600M$400M$200M$0Assets 2010: $261,058,654Liabilities 2010: $223,901,649Net Assets 2010: $37,157,0052010Assets 2011: $266,763,062Liabilities 2011: $228,678,079Net Assets 2011: $38,084,9832011Assets 2012: $266,470,798Liabilities 2012: $227,226,483Net Assets 2012: $39,244,3152012Assets 2013: $268,937,148Liabilities 2013: $227,796,031Net Assets 2013: $41,141,1172013Assets 2014: $276,044,059Liabilities 2014: $232,313,152Net Assets 2014: $43,730,9072014Assets 2015: $290,045,949Liabilities 2015: $245,180,022Net Assets 2015: $44,865,9272015Assets 2016: $346,278,129Liabilities 2016: $300,864,088Net Assets 2016: $45,414,0412016Assets 2017: $385,710,905Liabilities 2017: $340,226,713Net Assets 2017: $45,484,1922017Assets 2018: $373,557,111Liabilities 2018: $327,189,367Net Assets 2018: $46,367,7442018Assets 2019: $357,563,327Liabilities 2019: $308,307,345Net Assets 2019: $49,255,9822019Assets 2020: $415,888,601Liabilities 2020: $363,887,264Net Assets 2020: $52,001,3372020Assets 2021: $438,784,059Liabilities 2021: $384,355,790Net Assets 2021: $54,428,2692021Assets 2022: $437,120,346Liabilities 2022: $382,921,688Net Assets 2022: $54,198,6582022Assets 2023: $434,891,084Liabilities 2023: $376,195,627Net Assets 2023: $58,695,4572023Assets 2024: $447,657,099Liabilities 2024: $384,901,722Net Assets 2024: $62,755,3772024

Highlighted filing

2017

Assets$385,710,905
Liabilities$340,226,713
Net Assets$45,484,192
Open 2017 Filing

Operations Trend

Revenue Growth58th percentile

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

$30M$20M$10M$0Expenses 2010: $15,579,5022010Expenses 2011: $14,840,1232011Expenses 2012: $14,234,6052012Revenue 2013: $15,496,078Expenses 2013: $13,672,456Net Income 2013: $1,823,6222013Revenue 2014: $15,562,051Expenses 2014: $13,421,699Net Income 2014: $2,140,3522014Revenue 2015: $15,657,683Expenses 2015: $13,819,750Net Income 2015: $1,837,9332015Revenue 2016: $17,724,359Expenses 2016: $17,491,105Net Income 2016: $233,2542016Revenue 2017: $19,341,957Expenses 2017: $19,127,778Net Income 2017: $214,1792017Revenue 2018: $20,014,989Expenses 2018: $19,148,402Net Income 2018: $866,5872018Revenue 2019: $20,373,514Expenses 2019: $17,812,756Net Income 2019: $2,560,7582019Revenue 2020: $20,672,643Expenses 2020: $17,450,796Net Income 2020: $3,221,8472020Revenue 2021: $20,782,924Expenses 2021: $17,839,648Net Income 2021: $2,943,2762021Revenue 2022: $22,480,279Expenses 2022: $20,093,597Net Income 2022: $2,386,6822022Revenue 2023: $25,011,714Expenses 2023: $22,514,647Net Income 2023: $2,497,0672023Revenue 2024: $27,097,467Expenses 2024: $25,444,419Net Income 2024: $1,653,0482024

Highlighted filing

2017

Revenue$19,341,957
Expenses$19,127,778
Net Income$214,179
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 8, 2018
Return Version
2017v2.2
Gross Receipts
$25,004,377
Mission and Program Overview

Mission

To provide financial services while treating members with dignity and respect, acting as a good steward of our members' assets, valuing our employees and volunteers, maintaining high levels of integrity in everything we do, and being a leader in community outreach and building community relationships.

Adventure credit union's primary exempt purpose is to provide a variety of financial services to its members. Its members include individuals who are employed in or retired from communications related organizations, the health care industry, disabled or work with the disabled, and other select employee groups or those who live or work in allegan, barry, clinton, eaton, ingham, kent, livingston, newaygo, ottawa or shiawassee counties in michigan.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$278,294,970$309,348,300▲ $31,053,330
Rtn Earn Endowment Incm Other Fnds$45,414,041$45,484,192▲ $70,151
Savings and Temporary Cash Investments$12,215,154$20,531,995▲ $8,316,841
Investments in Publicly Traded Securities$22,818,308$20,032,651▼ $2,785,657
Land, Buildings, and Equipment, Net$9,108,230$10,423,314▲ $1,315,084
Cash and Non-Interest-Bearing Accounts$3,825,947$3,606,584▼ $219,363
Prepaid Expenses and Deferred Charges$425,455$342,980▼ $82,475
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$346,278,129$385,710,905▲ $39,432,776
Other Assets Total$19,590,065$21,425,081▲ $1,835,016
Liabilities
Other Liabilities$269,756,362$301,670,287▲ $31,913,925
Mortgage Notes Payable Secured by Investment Property$26,000,000$33,000,000▲ $7,000,000
Accounts Payable and Accrued Expenses$3,373,055$4,192,051▲ $818,996
Escrow Account Liability$1,734,671$1,364,375▼ $370,296
Total Liabilities$300,864,088$340,226,713▲ $39,362,625
Net Assets / Fund Balance
Total Net Assets Fund Balance$45,414,041$45,484,192▲ $70,151
Total Liabilities and Net Assets / Fund Balance$346,278,129$385,710,905▲ $39,432,776

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,044,963$5,986,929$9,031,892
Buildings$5,528,863$3,282,997$8,811,860
Land$1,849,488-$1,849,488
Other Assets Org$6,819--
Compensation and Service Providers
Top Officer Pay19th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Steven BushChief Executive OfficerFT$252,448$31,192$283,640
James T BirdMember Financial ServicesFT$60,347$112,970$173,317
Karen K WietzkeExecutive Vice PresidentFT$153,492$16,103$169,595
Thomas S DavisChief Financial OfficerFT$135,599$5,227$140,826

Board Members and Trustees

NameTitle
Dave FergusonDirector, Board Chairman
Charlie BrenemanDirector, Vice Chairman
Brian PittsDirector
C Nancy FordDirector
David HendersonDirector
Deborah GinsbergDirector
Patricia AndrewsDirector
Roger FryDirector
Michael KutasDirector, Board Secretary
David KiddDirector, Board Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Orion ConstructionNew Branch Construction32 MARKET AVE SW SUITE 200, Grand Rapids, MI 49503$1,653,160
Jack Henry And Associates INCCore And Ancillary SoftwarePO BOX 609, Monett, MO 65708$487,481
Edge OneAtm/itm Equipment And Setup161 BUSINESS PARK CIRCLE, Stoughton, WI 53589$307,932
Outfront MediaAdvertisingPO BOX 33074, Newark, NJ 07188-0074$221,411
Business Data INCStatement And E Statement MailingPO BOX 6081, Inglewood, CA 90312$190,375
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$18,645,045
Investment Income
$569,465
Other Revenue
$127,447
Change in Net Assets
$214,179

Audited Revenue Reconciliation

Revenue per Audited Statements
$19,366,438
Revenue Not Reported on Financial Statements
$-24,481
Revenue Not Reported on Form 990
$170,045
Other Revenue Adjustments
$-24,481
Total Revenue per Audited Statements
$19,536,483
Total Revenue per Form 990
$19,341,957
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,763,863
Salaries, Compensation, and Employee Benefits$8,363,915
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,170,165
Occupancy---$1,104,024
Pension Plan Contributions---$1,078,816
Information Technology---$972,175
Other Employee Benefits---$846,934
All Other Expenses---$834,408
Depreciation Depletion---$811,631
Current Officers, Directors, Trustees, and Key Employees---$767,378
Advertising---$681,705
Other Expenses---$542,275
Payroll Taxes---$500,622
Interest---$353,221
Office Expenses---$348,890
Conferences and Meetings---$166,162
Fees for Services Accounting---$147,040
Insurance---$87,730
Fees for Services Legal---$42,342
Travel---$18,492
Fees for Service Investment Mgmnt Fees---$6,577
Total Functional Expenses$0$0$0$19,127,778

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$19,755,721
Expenses per Audited Statements$19,127,778
Total Expenses per Form 990$19,127,778
Expenses Not Reported on Form 990$627,943
Expenses Not Reported on Financial Statements$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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES AND SAVINGS$286,939,287
Non Member Certificates of Deposits$14,731,000
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
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

“The credit union currently has 28,945 members.”

Form 990, Part VI, Section A, Line 7A

“The members of the credit union are responsible for electing the board of directors.”

Form 990, Part VI, Section A, Line 7B

“The members of the credit union must approve mergers into another credit union. All other decisions may be made by the board of directors.”

Form 990, Part VI, Section B, Line 11B

“The ceo and cfo of the credit union review the 990 draft before filing. Additionally, an electronic copy of the 990 draft is sent to the board of directors for their review via email before the return is filed. All of the board members are given the opportunity to contact the credit union's management with any questions or concerns they had regarding the 990 return.”

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

“On an annual basis, all directors, officers, and employees of the credit union complete a conflict of interest policy questionnaire. The conflict of interest questionnaires are then reviewed by tom davis, cfo, for potential conflicts. If an actual conflict of interest is identified, the director will abstain from voting on the issue at hand.”

Form 990, Part VI, Section B, Line 15

“Salaries for the ceo, officers, and key employees are compared to those reported in various publications for similar organizations in the industry and may be adjusted for an employee's performance. Compensation for the ceo, officers, and key employees are then determined, reviewed by an independent party, and approved by the board of directors. This process was last undertaken in 2017.”

Form 990, Part VI, Section C, Line 19

“The monthly financial statements of the credit union are posted in the lobby of each branch. Other information such as the governing documents and conflict of interest policy are available upon request.”

Filing and Contact Details

Filer

Filer Name
Adventure Credit Union
EIN
38-0855535
Phone
6162430125
Address
630 32ND STREET SE, GRAND RAPIDS, MI 49548

Signing Officer

Name
Steven Bush
Title
CEO
Phone
6162430125
Signed
2018-05-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steven Bush
Formed
1936
Legal Domicile
Mi
Voting Board Members
10
Independent Board Members
10
Employees
192
Volunteers
10

Preparer

Firm
Plante & Moran Pllc
Address
511 RENAISSANCE DRIVE SUITE 120, ST JOSEPH, MI 49085
Preparer
Kenley Penner CPA
Phone
2699828000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in unrealized gain (loss) on post retirement and pension benefits 440,048. Change in value of credit union-owned life insurance 170,045. Writedown on fixed assets -603,462.”

FORM 990, PART XII, LINE 2C:

“The board of directors has established the audit committee, which is responsible for the oversight of the audit review and selection of an independent auditor. The audit committee approves an independent auditor each year and meets to review the independent auditor's report after the audit is complete. The process has not changed from the prior year.”

FORM 990, PART X, LINE 5 AND SCHEDULE L:

“Schedule l is not required for loans receivable balances on form 990, part x, line 5 if the loans are made by the credit union to the directors, officers, and key employees on the same terms offered to other members of the credit union. Therefore, the credit union has included approximately $1,883,820 and $2,148,000 of receivables from current officers, directors, trustees, key employees, and highest compensated employees for 2017 and 2016, respectively, within form 990, part x, line 7.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union holds amounts in escrow accounts for real estate taxes and home insurance related to home mortgage loans.”

PART X, LINE 2:

“The credit union is exempt, by statute, from federal and state income taxes. However, the credit union may be subject to unrelated business income tax. Accounting principles generally accepted in the united states of america require management to evaluate tax positions taken by the credit union and recognize a tax liability if the credit union has taken an uncertain position that more likely than not would not be sustained upon examination by the irs or other applicable taxing authorities. Management has analyzed the tax positions taken by the credit union and has concluded that as of december 31, 2017 and 2016, there are no uncertain positions taken or expected to be taken that would require recognition of a liability or disclosure in the financial statements. The credit union is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Change in value of credit union-owned life insurance 170,045.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Loss on sale of other real estate owned -24,481.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Loss on sale of other real estate owned 24,481. Writedown on fixed assets 603,462.”

Raw XML AppendixShowing 400 of 588 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/ActivityOrMissionDesc0ADVENTURE CREDIT UNION'S PRIMARY EXEMPT PURPOSE IS TO PROVIDE A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS. ITS MEMBERS INCLUDE INDIVIDUALS WHO ARE EMPLOYED IN OR RETIRED FROM COMMUNICATIONS RELATED ORGANIZATIONS, THE HEALTH CARE INDUSTRY, DISABLED OR WORK WITH THE DISABLED, AND OTHER SELECT EMPLOYEE GROUPS OR THOSE WHO LIVE OR WORK IN ALLEGAN, BARRY, CLINTON, EATON, INGHAM, KENT, LIVINGSTON, NEWAYGO, OTTAWA OR SHIAWASSEE COUNTIES IN MICHIGAN.
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IRS990/Form990PartVIISectionAGrp/PersonNm1CHARLIE BRENEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm2MICHAEL KUTAS
IRS990/Form990PartVIISectionAGrp/PersonNm3DAVID KIDD
IRS990/Form990PartVIISectionAGrp/PersonNm4PATRICIA ANDREWS
IRS990/Form990PartVIISectionAGrp/PersonNm5DEBORAH GINSBERG
IRS990/Form990PartVIISectionAGrp/PersonNm6C NANCY FORD
IRS990/Form990PartVIISectionAGrp/PersonNm7ROGER FRY
IRS990/Form990PartVIISectionAGrp/PersonNm8DAVID HENDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm9BRIAN PITTS
IRS990/Form990PartVIISectionAGrp/PersonNm10STEVEN BUSH
IRS990/Form990PartVIISectionAGrp/PersonNm11THOMAS S DAVIS
IRS990/Form990PartVIISectionAGrp/PersonNm12KAREN K WIETZKE
IRS990/Form990PartVIISectionAGrp/PersonNm13JAMES T BIRD
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR, BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR, VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR, BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR, BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF EXECUTIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12EXECUTIVE VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt13MEMBER FINANCIAL SERVICES
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IRS990/MissionDesc0TO PROVIDE FINANCIAL SERVICES WHILE TREATING MEMBERS WITH DIGNITY AND RESPECT, ACTING AS A GOOD STEWARD OF OUR MEMBERS' ASSETS, VALUING OUR EMPLOYEES AND VOLUNTEERS, MAINTAINING HIGH LEVELS OF INTEGRITY IN EVERYTHING WE DO, AND BEING A LEADER IN COMMUNITY OUTREACH AND BUILDING COMMUNITY RELATIONSHIPS.
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IRS990/NetUnrlzdGainsLossesInvstAmt0-150659
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IRS990/OfficeExpensesGrp/TotalAmt0348890
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IRS990/OperateHospitalInd00
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt0846934
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IRS990/OtherExpensesGrp/TotalAmt11757947
IRS990/OtherExpensesGrp/TotalAmt21041022
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2OTHER ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3CENCORP PERPETUAL CONTRIBUTED CAPITAL
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4CREDIT UNION OWNED LIFE INSURANCE POLICY
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc6DEFERRED COMPENSATION ASSET
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1NON MEMBER CERTIFICATES OF DEPOSITS

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$385,710,905
Liabilities
$340,226,713
Net assets
$45,484,192
Revenue
$19,341,957
Expenses
$19,127,778
Net income
$214,179
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$448$385$62.8$27.1$25.4$1.65
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$435$376$58.7$25.0$22.5$2.50
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$437$383$54.2$22.5$20.1$2.39
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$439$384$54.4$20.8$17.8$2.94
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$416$364$52.0$20.7$17.5$3.22
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$358$308$49.3$20.4$17.8$2.56
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$374$327$46.4$20.0$19.1$0.87
2017Detailed filing. Detailed filing data is available for this year.$386$340$45.5$19.3$19.1$0.21
2016Summary only. Only limited summary data is available for this year.$346$301$45.4$17.7$17.5$0.23
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$290$245$44.9$15.7$13.8$1.84
2014Detailed filing. Detailed filing data is available for this year.$276$232$43.7$15.6$13.4$2.14
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$269$228$41.1$15.5$13.7$1.82
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$266$227$39.2$14.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$267$229$38.1$14.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$261$224$37.2$15.6
Peer Organizations

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