Civic Intelligence

Lafcu

EIN 38-0893210 • 501(c)14 • Lansing, MI

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Profile

While promoting the credit union philosophy, we are committed to providing financial services for the changing needs of our members and helping them obtain personal financial security.

106 N Marketplace BoulevardLansing, MI 48917

www.lafcu.com

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.81x

Higher debt load relative to assets than 3% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

3rd percentile

5.16x

Higher debt load relative to revenue than 3% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

100th percentile

61%

Higher net margin than 100% of similar nonprofits.

501(c)14 • $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

77th percentile

7.0%

Faster asset growth than 77% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2024

Revenue Growth

100th percentile

85%

Faster revenue growth than 100% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Up

$1,129,173,408

Up $99,756,968 (+9.7%) from 2023

Liabilities

Down

$915,774,042

Down $8,338,160 (-0.9%) from 2023

Net Assets

Up

$213,399,366

Up $108,095,128 (+103%) from 2023

Operations
Liabilities / Revenue3rd percentileNet Margin100th percentile

Revenue

Up

$177,489,649

Up $112,946,024 (+175%) from 2023

Expenses

Up

$69,496,099

Up $12,289,956 (+21%) from 2023

Net Income

Up

$107,993,550

Up $100,656,068 (+1372%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth77th percentile

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

$1.5B$1.0B$500M$0Assets 2013: $560,969,173Liabilities 2013: $495,741,150Net Assets 2013: $65,228,0232013Assets 2014: $573,814,707Liabilities 2014: $506,146,811Net Assets 2014: $67,667,8962014Assets 2015: $600,395,423Liabilities 2015: $531,003,880Net Assets 2015: $69,391,5432015Assets 2016: $631,710,317Liabilities 2016: $560,085,303Net Assets 2016: $71,625,0142016Assets 2017: $644,654,560Liabilities 2017: $570,875,044Net Assets 2017: $73,779,5162017Assets 2018: $693,824,120Liabilities 2018: $614,470,237Net Assets 2018: $79,353,8832018Assets 2019: $746,558,780Liabilities 2019: $658,694,389Net Assets 2019: $87,864,3912019Assets 2020: $848,413,090Liabilities 2020: $754,878,495Net Assets 2020: $93,534,5952020Assets 2021: $943,734,939Liabilities 2021: $840,679,903Net Assets 2021: $103,055,0362021Assets 2022: $986,262,376Liabilities 2022: $883,830,199Net Assets 2022: $102,432,1772022Assets 2023: $1,029,416,440Liabilities 2023: $924,112,202Net Assets 2023: $105,304,2382023Assets 2024: $1,129,173,408Liabilities 2024: $915,774,042Net Assets 2024: $213,399,3662024

Highlighted filing

2024

Assets$1,129,173,408
Liabilities$915,774,042
Net Assets$213,399,366
Open 2024 Filing

Operations Trend

Revenue Growth100th percentile

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

$200M$150M$100M$50M$0Revenue 2013: $26,858,934Expenses 2013: $24,594,687Net Income 2013: $2,264,2472013Revenue 2014: $30,044,228Expenses 2014: $27,301,910Net Income 2014: $2,742,3182014Revenue 2015: $32,580,239Expenses 2015: $29,621,322Net Income 2015: $2,958,9172015Revenue 2016: $32,848,903Expenses 2016: $30,259,432Net Income 2016: $2,589,4712016Revenue 2017: $33,764,503Expenses 2017: $30,764,927Net Income 2017: $2,999,5762017Revenue 2018: $38,286,566Expenses 2018: $32,982,472Net Income 2018: $5,304,0942018Revenue 2019: $43,479,866Expenses 2019: $35,430,696Net Income 2019: $8,049,1702019Revenue 2020: $44,633,555Expenses 2020: $37,978,336Net Income 2020: $6,655,2192020Revenue 2021: $46,684,897Expenses 2021: $37,007,507Net Income 2021: $9,677,3902021Revenue 2022: $51,596,579Expenses 2022: $43,349,555Net Income 2022: $8,247,0242022Revenue 2023: $64,543,625Expenses 2023: $57,206,143Net Income 2023: $7,337,4822023Revenue 2024: $177,489,649Expenses 2024: $69,496,099Net Income 2024: $107,993,5502024

Highlighted filing

2024

Revenue$177,489,649
Expenses$69,496,099
Net Income$107,993,550
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,129,173,408
Liabilities
$915,774,042
Net assets
$213,399,366
Revenue
$177,489,649
Expenses
$69,496,099
Net income
$107,993,550
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,129$916$213$177$69.5$108
2023Detailed filing. Detailed filing data is available for this year.$1,029$924$105$64.5$57.2$7.34
2022Detailed filing. Detailed filing data is available for this year.$986$884$102$51.6$43.3$8.25
2021Detailed filing. Detailed filing data is available for this year.$944$841$103$46.7$37.0$9.68
2020Detailed filing. Detailed filing data is available for this year.$848$755$93.5$44.6$38.0$6.66
2019Detailed filing. Detailed filing data is available for this year.$747$659$87.9$43.5$35.4$8.05
2018Detailed filing. Detailed filing data is available for this year.$694$614$79.4$38.3$33.0$5.30
2017Detailed filing. Detailed filing data is available for this year.$645$571$73.8$33.8$30.8$3.00
2016Detailed filing. Detailed filing data is available for this year.$632$560$71.6$32.8$30.3$2.59
2015Detailed filing. Detailed filing data is available for this year.$600$531$69.4$32.6$29.6$2.96
2014Detailed filing. Detailed filing data is available for this year.$574$506$67.7$30.0$27.3$2.74
2013Detailed filing. Detailed filing data is available for this year.$561$496$65.2$26.9$24.6$2.26
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$177,489,649
Mission and Program Overview

Mission

While promoting the credit union philosophy, we are committed to providing financial services for the changing needs of our members and helping them obtain personal financial security.

Cooperative financial institution - credit union providing loans and savings products and services to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$801,348,312$770,843,536▼ $30,504,776
Rtn Earn Endowment Incm Other Fnds$105,304,238$213,399,366▲ $108,095,128
Savings and Temporary Cash Investments$42,371,411$154,464,817▲ $112,093,406
Investments in Publicly Traded Securities$87,999,799$98,888,847▲ $10,889,048
Land, Buildings, and Equipment, Net$20,946,398$20,912,601▼ $33,797
Cash and Non-Interest-Bearing Accounts$21,584,929$20,528,304▼ $1,056,625
Investments Other Securities$18,649,174$19,648,571▲ $999,397
Accounts Receivable$-1,130,867$4,151,529▲ $5,282,396
Prepaid Expenses and Deferred Charges$2,087,193$2,695,213▲ $608,020
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,029,416,440$1,129,173,408▲ $99,756,968
Other Assets Total$35,560,091$37,039,990▲ $1,479,899
Liabilities
Other Liabilities$881,402,250$905,899,088▲ $24,496,838
Accounts Payable and Accrued Expenses$42,709,952$9,874,954▼ $32,834,998
Total Liabilities$924,112,202$915,774,042▼ $8,338,160
Net Assets / Fund Balance
Total Net Assets Fund Balance$105,304,238$213,399,366▲ $108,095,128
Total Liabilities and Net Assets / Fund Balance$1,029,416,440$1,129,173,408▲ $99,756,968

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,224,833$8,500,571$21,725,404
Equipment$3,935,462$10,510,174$14,445,636
Land$3,752,306-$3,752,306
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patrick SpykeCEOFT$836,417$636,510$1,472,927
Robyn HowellSVP/COOFT$258,263$80,078$338,341
Kelli Ellsworth-etchisonChief Marketing Ofcr./chieFT$246,618$75,694$322,312
Jason SmithChief Lending OfficerFT$180,547$66,665$247,212
Emily JannerethChief Technology OfficerFT$186,834$48,167$235,001
Leslie RorieCFOFT$178,280$46,331$224,611
Amy AdamVP of CardsFT$140,797$37,587$178,384
Stephen SchmittCorporate StrategistFT$140,281$33,963$174,244
Kimberly AustinExecutive Implementation OfficerFT$131,396$29,981$161,377

Board Members and Trustees

NameTitle
Randy FreemanBod President
Melvin PlaceBod Vice-president
Jere AuvenshineBod Member
Melvin ColemanBod Member
Paulette WarrenBod Member
Tom CulpepperBod Secretary
Tom MartinsonBod Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu Cooperative Systems INCCard Processing9692 HAVEN AVE, Rancho Cucamonga, CA 91730$3,209,936
MdtCore System Processing30230 ORCHARD LAKE RD, Farmington Hills, MI 48334$2,046,355
Informa Business Systems INCItm Equipment/service5170 HARTSHORN DR, Flushing, MI 48433$1,925,662
Marquis Software SolutionsMarketing/mcifPO BOX 660919/DEPT 730069, Dallas, TX 75266-0919$953,419
Cbts Technology SolutionsTechnology Management1507 SOLUTIONS CENTER, Chicago, IL 60677-1005$337,629
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$63,270,823
Investment Income
$10,181,207
Other Revenue
$104,037,619
Change in Net Assets
$107,993,550

Audited Revenue Reconciliation

Revenue per Audited Statements
$177,489,649
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$177,489,649
Total Revenue per Form 990
$177,489,649
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$43,685,789
Salaries, Compensation, and Employee Benefits$20,342,535
Grants and Similar Amounts Paid$5,467,775
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$15,378,580
Other Salaries and Wages---$12,625,355
Grants to Domestic Orgs---$5,447,775
Information Technology---$3,468,605
Office Expenses---$2,751,821
Other Employee Benefits---$2,557,784
Current Officers, Directors, Trustees, and Key Employees---$2,358,191
Other Expenses---$1,969,841
Pension Plan Contributions---$1,758,988
All Other Expenses---$1,671,234
Depreciation Depletion---$1,616,301
Advertising---$1,209,483
Payroll Taxes---$1,042,217
Fees for Services Other---$634,678
Occupancy---$485,356
Fees for Services Accounting---$288,356
Travel---$264,396
Insurance---$202,736
Payments to Affiliates---$116,118
Fees for Services Legal---$26,235
Grants to Domestic Individuals---$20,000
Conferences and Meetings---$652
Total Functional Expenses$0$0$0$69,496,099

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$69,496,099
Total Expenses per Audited Statements$69,496,099
Total Expenses per Form 990$69,496,099
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Stable Communities FoundationLansing, MI501(c)(3)To Support Housing Stability Initiatives That Expand Access to Safe, Affordable Housing$5,000,000
Greater Lansing Food BankLansing, MI501(c)(3)To Expand Access to Nutritious Food and Provide Essential Assitance to Low Income Individuals$10,000
Xavier Degroat Autism FoundationLansing, MI501(c)(3)To Support Austism Awareness, Education, and Community Programs$10,000
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
Term Share and Ira Certificates$323,806,762
Share Accounts$268,083,341
Money Market$172,914,529
Share Draft$135,377,247
Ira Share Accounts$5,717,209
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, Section A, Line 6

“All account holders are referred to as members.”

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

“The credit union membership elects the board of directors which govern the operations of the credit union.”

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

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

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

“The ceo and cfo will review the 990 prior to filing.”

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

“Annual disclosure statements are completed.”

Form 990, Part VI, Section B, Line 15

“An independent compensation database is used comprised of salary comparisons throughout the region of similarly asset sized financial institutions. Pro ratio measures are compared to market to determine where current salaries align. Recommendations for salary adjustments are made by hr to the appropriate decision makers, based on where the salary aligns and performance evaluation of the individual from the supervisor.”

Form 990, Part VI, Section C, Line 19

“The credit union's financial statements are available in the form of the quarterly call report on ncua.gov. The governing documents and conflict of interest policy are not made available to the public.”

Filing and Contact Details

Filer

Filer Name
Lafcu
EIN
38-0893210
Phone
5176226600
Address
106 N MARKETPLACE BOULEVARD, LANSING, MI 48917

Signing Officer

Name
Leslie Rorie
Title
CFO
Phone
5176226600
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Patrick Spyke
Formed
1936
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
222
Volunteers
16

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Atm expenses 945,218. Training/development/educations 476,880. Miscellaneous 249,136.”

FORM 990, PART XI, LINE 9:

“Post-retirement benefit plan: actuarial gains/(losses) -261,857. Post-retirement benefit plan: amortization of actuarial loss included in net earnings 36,992.”

FORM 990, PART XII, LINE 2C:

“The organization has a committee that assumes responsibility for the oversight of the audit of the financial statements and the selection of an independent accountant. This process has not changed from previous years.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute from federal and state income taxes but still may be subject to unrelated business income tax (ubit). The net unrelated business income tax is immaterial to the financial statements as a whole.”

Raw XML AppendixShowing 400 of 756 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/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt7104845
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt834018
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt958378
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1065225
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1135694
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1254406
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1329667
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1420596
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1531132
IRS990/Form990PartVIISectionAGrp/PersonNm0MELVIN PLACE
IRS990/Form990PartVIISectionAGrp/PersonNm1TOM MARTINSON
IRS990/Form990PartVIISectionAGrp/PersonNm2TOM CULPEPPER
IRS990/Form990PartVIISectionAGrp/PersonNm3JERE AUVENSHINE
IRS990/Form990PartVIISectionAGrp/PersonNm4PAULETTE WARREN
IRS990/Form990PartVIISectionAGrp/PersonNm5RANDY FREEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6MELVIN COLEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm7PATRICK SPYKE
IRS990/Form990PartVIISectionAGrp/PersonNm8LESLIE RORIE
IRS990/Form990PartVIISectionAGrp/PersonNm9KELLI ELLSWORTH-ETCHISON
IRS990/Form990PartVIISectionAGrp/PersonNm10ROBYN HOWELL
IRS990/Form990PartVIISectionAGrp/PersonNm11EMILY JANNERETH
IRS990/Form990PartVIISectionAGrp/PersonNm12JASON SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm13STEPHEN SCHMITT
IRS990/Form990PartVIISectionAGrp/PersonNm14KIMBERLY AUSTIN
IRS990/Form990PartVIISectionAGrp/PersonNm15AMY ADAM
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt71368082
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8190593
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9263934
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10273116
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11199307
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12192806
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13144577
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14140781
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15147252
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOD VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOD PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF MARKETING OFCR./CHIE
IRS990/Form990PartVIISectionAGrp/TitleTxt10SVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF TECHNOLOGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13CORPORATE STRATEGIST
IRS990/Form990PartVIISectionAGrp/TitleTxt14EXECUTIVE IMPLEMENTATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP OF CARDS
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt020000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt05447775
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0177489649
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt018
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt03468605
IRS990/InsuranceGrp/TotalAmt0202736
IRS990/InterestGrp/TotalAmt015378580
IRS990/InvestmentIncomeGrp/ExclusionAmt010181207
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt010181207
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt018649174
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt019648571
IRS990/InvestmentsPubTradedSecGrp/BOYAmt087999799
IRS990/InvestmentsPubTradedSecGrp/EOYAmt098888847
IRS990/IRPDocumentCnt015646
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt019010745
IRS990/LandBldgEquipBasisNetGrp/BOYAmt020946398
IRS990/LandBldgEquipBasisNetGrp/EOYAmt020912601
IRS990/LandBldgEquipCostOrOtherBssAmt039923346
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WHILE PROMOTING THE CREDIT UNION PHILOSOPHY, WE ARE COMMITTED TO PROVIDING FINANCIAL SERVICES FOR THE CHANGING NEEDS OF OUR MEMBERS AND HELPING THEM OBTAIN PERSONAL FINANCIAL SECURITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0105304238
IRS990/NetAssetsOrFundBalancesEOYAmt0213399366
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0326443
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0485356
IRS990/OfficeExpensesGrp/TotalAmt02751821
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt035560091
IRS990/OtherAssetsTotalGrp/EOYAmt037039990
IRS990/OtherChangesInNetAssetsAmt0-224865
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02557784
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT AND CREDIT CARD E
IRS990/OtherExpensesGrp/Desc2MAINTENANCE
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt06799434
IRS990/OtherExpensesGrp/TotalAmt13939809
IRS990/OtherExpensesGrp/TotalAmt22862154
IRS990/OtherExpensesGrp/TotalAmt31969841
IRS990/OtherLiabilitiesGrp/BOYAmt0881402250
IRS990/OtherLiabilitiesGrp/EOYAmt0905899088
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2520000
IRS990/OtherRevenueMiscGrp/Desc0REDEMPTION OF CLASS B VISA SHARES
IRS990/OtherRevenueMiscGrp/Desc1EQUITY IN EARNINGS OF CUSO'S
IRS990/OtherRevenueMiscGrp/Desc2FINANCE & INSURANCE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0102394790
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt11021834
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0102394790
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11021834
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2620995
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0620995
IRS990/OtherRevenueTotalAmt0104037619
IRS990/OtherSalariesAndWagesGrp/TotalAmt012625355
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0801348312
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0770843536
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt0116118
IRS990/PayrollTaxesGrp/TotalAmt01042217
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01758988
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02087193
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02695213
IRS990/PrincipalOfficerNm0PATRICK SPYKE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES, CHARGES, OTHER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt048163018
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt115107805
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt048163018
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt115107805
IRS990/ProgSrvcAccomActy2Grp/Desc0LENDING PRODUCTS - LOAN STAFFING AND SUPPORT SERVICES, COLLECTION STAFFING.
IRS990/ProgSrvcAccomActy3Grp/Desc0CASH OPERATIONS - 50% BRANCH OPERATIONS, SUPPORT SERVICES - ACCOUNTING.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt0147792
IRS990/PYInvestmentIncomeAmt04719582
IRS990/PYOtherExpensesAmt038778984
IRS990/PYOtherRevenueAmt01627714
IRS990/PYProgramServiceRevenueAmt058196329
IRS990/PYRevenuesLessExpensesAmt07337482
IRS990/PYSalariesCompEmpBnftPaidAmt018279367
IRS990/PYTotalExpensesAmt057206143
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt064543625
IRS990/ReconcilationRevenueExpnssAmt0107993550
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0105304238
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0213399366
IRS990/SavingsAndTempCashInvstGrp/BOYAmt042371411
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0154464817
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt013224833
IRS990ScheduleD/BuildingsGrp/DepreciationAmt08500571
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt021725404
IRS990ScheduleD/EquipmentGrp/BookValueAmt03935462
IRS990ScheduleD/EquipmentGrp/DepreciationAmt010510174
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt014445636
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt069496099
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt03752306
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03752306
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0268083341
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1135377247
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2172914529
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt35717209
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4323806762
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4TERM SHARE AND IRA CERTIFICATES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0177489649
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, BY STATUTE FROM FEDERAL AND STATE INCOME TAXES BUT STILL MAY BE SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). THE NET UNRELATED BUSINESS INCOME TAX IS IMMATERIAL TO THE FINANCIAL STATEMENTS AS A WHOLE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt020912601
IRS990ScheduleD/TotalExpensesPerForm990Amt069496099
IRS990ScheduleD/TotalLiabilityAmt0905899088
IRS990ScheduleD/TotalRevenuePerForm990Amt0177489649
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0177489649
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt069496099
IRS990ScheduleI/GrantRecordsMaintainedInd00
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt020000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt04
IRS990ScheduleI/RecipientTable/CashGrantAmt010000
IRS990ScheduleI/RecipientTable/CashGrantAmt110000
IRS990ScheduleI/RecipientTable/CashGrantAmt25000000

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