Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2020 • EIN 38-0893210

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 02, 2021

Organization ProfileWWW.LAFCU.COM

View Organization Page

106 N Marketplace BoulevardLansing, MI 48917

(517) 622-6600

Siviq Scores

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

Liabilities / Assets

39th percentile

0.89x

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

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

27th percentile

16.91x

Higher debt load relative to revenue than 27% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Net Margin

70th percentile

15%

Higher net margin than 70% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

59th percentile

$453,292

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 1.0% of source-year revenue.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Asset Growth

24th percentile

14%

Faster asset growth than 24% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Revenue Growth

64th percentile

2.7%

Faster revenue growth than 64% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets39th percentile

Assets

Up

$848,413,090

Up $101,854,310 (+14%) from 2019

Net Assets

Up

$93,534,595

Up $5,670,204 (+6.5%) from 2019

Liabilities

Up

$754,878,495

Up $96,184,106 (+15%) from 2019

Revenue And Expenses
Liabilities / Revenue27th percentileNet Margin70th percentile

Revenue

Up

$44,633,555

Up $1,153,689 (+2.7%) from 2019

Expenses

Up

$37,978,336

Up $2,547,640 (+7.2%) from 2019

Net Income

Down

$6,655,219

Down $1,393,951 (-17%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth24th percentile

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

$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

2020

Assets$848,413,090
Liabilities$754,878,495
Net Assets$93,534,595
Open 2020 Filing

Operations Trend

Revenue Growth64th percentile

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

2020

Revenue$44,633,555
Expenses$37,978,336
Net Income$6,655,219
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 2, 2021
Return Version
2020v4.1
Gross Receipts
$44,633,555
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$569,842,340$599,523,132▲ $29,680,792
Savings and Temporary Cash Investments$38,344,807$124,278,636▲ $85,933,829
Rtn Earn Endowment Incm Other Fnds$87,864,391$93,534,595▲ $5,670,204
Cash and Non-Interest-Bearing Accounts$14,202,864$26,927,023▲ $12,724,159
Investments Other Securities$16,196,304$24,698,807▲ $8,502,503
Land, Buildings, and Equipment, Net$20,696,487$19,867,609▼ $828,878
Investments in Publicly Traded Securities$55,730,522$18,236,440▼ $37,494,082
Accounts Receivable$1,567,686$4,261,759▲ $2,694,073
Prepaid Expenses and Deferred Charges$1,711,489$1,807,119▲ $95,630
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$746,558,780$848,413,090▲ $101,854,310
Other Assets Total$28,266,281$28,812,565▲ $546,284
Liabilities
Other Liabilities$637,306,355$737,414,982▲ $100,108,627
Accounts Payable and Accrued Expenses$11,388,034$12,463,513▲ $1,075,479
Mortgage Notes Payable Secured by Investment Property$10,000,000$5,000,000▼ $5,000,000
Total Liabilities$658,694,389$754,878,495▲ $96,184,106
Net Assets / Fund Balance
Total Net Assets Fund Balance$87,864,391$93,534,595▲ $5,670,204
Total Liabilities and Net Assets / Fund Balance$746,558,780$848,413,090▲ $101,854,310

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,705,139$6,507,898$20,213,037
Equipment$2,410,164$8,838,549$11,248,713
Land$3,752,306-$3,752,306
Compensation and Service Providers
Top Officer Pay59th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patrick SpykeCEOFT$352,956$100,336$453,292
Tamela McphersonChief Financial OfficerFT$164,640$41,223$205,863
Brian WixsonCIOFT$137,945$55,403$193,348
Jason SmithChief Lending OfficerFT$133,680$53,185$186,865
Kelli EtchisonChief Marketing OfficerFT$121,864$47,196$169,060
Angela RuzinskyChief Membership OfficerFT$107,418$44,530$151,948
Kimberly AustinDirector CollectionsFT$118,733$18,769$137,502
James MchaleChief Financial OfficerFT$20,750$1,531$22,281

Board Members and Trustees

NameTitle
Harold FosterBoard President
Melvin PlaceBoard Vice-president
Jere AuvenshineBoard Member
Paulette WarrenBoard Member
Randy FreemanBoard Member
Tom CulpepperBoard Secretary
Tom MartinsonBoard Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu Cooperative Systems INCCard Processing9692 HAVEN AVE, Rancho Cucamonga, CA 91730$1,818,900
Member Driven TechnologiesCore System Processing30230 ORCHARD LAKE ROAD, Farmington Hills, MI 48334$1,554,794
Sentinel Technologies INCSoftware/service2550 WARRENVILLE RD, Downers Grove, IL 60515$644,099
Smith & Johnson Attorneys PCLegal/collection ServicessPO BOX 705, Traverse City, MI 49685$492,075
Informa Business Systems INCItm Equipment/service5170 HARTSHORN DR, Flushing, MI 48433$330,360
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$39,616,522
Investment Income
$1,389,581
Other Revenue
$3,627,452
Change in Net Assets
$6,655,219

Audited Revenue Reconciliation

Revenue per Audited Statements
$44,633,555
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-601
Total Revenue per Audited Statements
$44,632,954
Total Revenue per Form 990
$44,633,555
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,813,557
Salaries, Compensation, and Employee Benefits$15,141,321
Grants and Similar Amounts Paid$23,458
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,746,962
Interest---$5,041,748
Office Expenses---$2,087,607
Other Employee Benefits---$1,999,077
Pension Plan Contributions---$1,943,976
Information Technology---$1,915,159
Other Expenses---$1,561,480
Depreciation Depletion---$1,319,269
Payroll Taxes---$769,870
Advertising---$734,346
Current Officers, Directors, Trustees, and Key Employees---$681,436
All Other Expenses---$625,342
Occupancy---$408,437
Insurance---$237,535
Fees for Services Accounting---$220,323
Fees for Services Other---$188,580
Travel---$92,847
Payments to Affiliates---$80,020
Fees for Services Legal---$56,975
Grants to Domestic Individuals---$13,000
Grants to Domestic Orgs---$10,458
Conferences and Meetings---$226
Total Functional Expenses$0$0$0$37,978,336

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$37,978,336
Expenses per Audited Statements$37,977,735
Total Expenses per Audited Statements$37,977,735
Expenses Not Reported on Financial Statements$601
Other Expense Adjustments$601
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Greater Lansing Area Mlk Holiday CommissionLansing, MI501(c)(3)Funds to Assist in Covering Expenses Related to Mlk Day of Annual Celebration$10,458
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
Share Accounts$238,679,548
Money Market$213,092,357
Term Share and Ira Certificates$153,417,136
Share Draft$120,343,566
Ira Share Accounts$8,659,375
Non-member Term Share Dep.$3,223,000
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 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 financial statements are available upon request. 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
Patrick Spyke
Title
CEO
Phone
5176226600
Signed
2021-11-02
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
160
Volunteers
17

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Robert Parks CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other professional fees 188,580.”

Form 990, Part IX, Line 24E

“Atm expenses 456,596. Training/development/educations 194,977. Miscellaneous -26,231.”

FORM 990, PART XI, LINE 9:

“Net unrealized losses on postretirement benefits -1,299,511. Reclassification adjustment for pension amortization 224,802.”

FORM 990, PART XII, LINE 2C:

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

Financial Statement Notes

PART X, LINE 2:

“Income taxes the credit union is exempt, by statute, from federal and state income taxes. 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 purposes. However, irc 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. In 2007, the internal revenue service (irs) issued a series of technical advice 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 remains subject to examination for income tax returns for years ended after december 31, 2017.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Expenses reported on 990 in statement of expenses but reported net of revenue in the audited financial statements -601.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Expenses reported on 990 in statement of expenses but reported net of revenue in the audited financial statements 601.”

Raw XML AppendixShowing 400 of 614 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/OtherCompensationAmt1140887
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1232905
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1334668
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1418769
IRS990/Form990PartVIISectionAGrp/PersonNm0HAROLD FOSTER
IRS990/Form990PartVIISectionAGrp/PersonNm1MELVIN PLACE
IRS990/Form990PartVIISectionAGrp/PersonNm2JERE AUVENSHINE
IRS990/Form990PartVIISectionAGrp/PersonNm3TOM MARTINSON
IRS990/Form990PartVIISectionAGrp/PersonNm4TOM CULPEPPER
IRS990/Form990PartVIISectionAGrp/PersonNm5RANDY FREEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6PAULETTE WARREN
IRS990/Form990PartVIISectionAGrp/PersonNm7PATRICK SPYKE
IRS990/Form990PartVIISectionAGrp/PersonNm8TAMELA MCPHERSON
IRS990/Form990PartVIISectionAGrp/PersonNm9JAMES MCHALE
IRS990/Form990PartVIISectionAGrp/PersonNm10BRIAN WIXSON
IRS990/Form990PartVIISectionAGrp/PersonNm11JASON SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm12ANGELA RUZINSKY
IRS990/Form990PartVIISectionAGrp/PersonNm13KELLI ETCHISON
IRS990/Form990PartVIISectionAGrp/PersonNm14KIMBERLY AUSTIN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7385309
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8178622
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt920750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10151948
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11145978
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12119043
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13134392
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14118733
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/TitleTxt0BOARD PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF MEMBERSHIP OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF MARKETING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR COLLECTIONS
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt013000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt010458
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt044633555
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01915159
IRS990/InsuranceGrp/TotalAmt0237535
IRS990/InterestGrp/TotalAmt05041748
IRS990/InvestmentIncomeGrp/ExclusionAmt01389581
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01389581
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt016196304
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt024698807
IRS990/InvestmentsPubTradedSecGrp/BOYAmt055730522
IRS990/InvestmentsPubTradedSecGrp/EOYAmt018236440
IRS990/IRPDocumentCnt014559
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt015346447
IRS990/LandBldgEquipBasisNetGrp/BOYAmt020696487
IRS990/LandBldgEquipBasisNetGrp/EOYAmt019867609
IRS990/LandBldgEquipCostOrOtherBssAmt035214056
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/MortgNotesPyblScrdInvstPropGrp/BOYAmt010000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt05000000
IRS990/NetAssetsOrFundBalancesBOYAmt087864391
IRS990/NetAssetsOrFundBalancesEOYAmt093534595
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt089694
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0408437
IRS990/OfficeExpensesGrp/TotalAmt02087607
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt028266281
IRS990/OtherAssetsTotalGrp/EOYAmt028812565
IRS990/OtherChangesInNetAssetsAmt0-1074709
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01999077
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT AND CREDIT CARD E
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3MAINTENANCE
IRS990/OtherExpensesGrp/TotalAmt03580400
IRS990/OtherExpensesGrp/TotalAmt12810083
IRS990/OtherExpensesGrp/TotalAmt21853180
IRS990/OtherExpensesGrp/TotalAmt31561480
IRS990/OtherLiabilitiesGrp/BOYAmt0637306355
IRS990/OtherLiabilitiesGrp/EOYAmt0737414982
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1520000
IRS990/OtherRevenueMiscGrp/Desc0EQUITY IN EARNINGS OF CUSO'S
IRS990/OtherRevenueMiscGrp/Desc1FINANCE & INSURANCE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt03513107
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt03513107
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1114345
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0114345
IRS990/OtherRevenueTotalAmt03627452
IRS990/OtherSalariesAndWagesGrp/TotalAmt09746962
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0569842340
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0599523132
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt080020
IRS990/PayrollTaxesGrp/TotalAmt0769870
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01943976
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01711489
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01807119
IRS990/PrincipalOfficerNm0PATRICK SPYKE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES, CHARGES, OTHER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt029064871
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt110551651
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt029064871
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt110551651
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/PYGrantsAndSimilarPaidAmt015000
IRS990/PYInvestmentIncomeAmt02716665
IRS990/PYOtherExpensesAmt020281525
IRS990/PYOtherRevenueAmt02944322
IRS990/PYProgramServiceRevenueAmt037818879
IRS990/PYRevenuesLessExpensesAmt08049170
IRS990/PYSalariesCompEmpBnftPaidAmt015134171
IRS990/PYTotalExpensesAmt035430696
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt043479866
IRS990/ReconcilationRevenueExpnssAmt06655219
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt087864391
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt093534595
IRS990/SavingsAndTempCashInvstGrp/BOYAmt038344807
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0124278636
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt013705139
IRS990ScheduleD/BuildingsGrp/DepreciationAmt06507898
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt020213037
IRS990ScheduleD/EquipmentGrp/BookValueAmt02410164
IRS990ScheduleD/EquipmentGrp/DepreciationAmt08838549
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt011248713
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0601
IRS990ScheduleD/ExpensesSubtotalAmt037977735
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt03752306
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03752306
IRS990ScheduleD/OtherExpensesNotIncludedAmt0601
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0238679548
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1120343566
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2213092357
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt38659375
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4153417136
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt53223000
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/OtherLiabilitiesOrgGrp/Desc5NON-MEMBER TERM SHARE DEP.
IRS990ScheduleD/OtherRevenueAmt0-601
IRS990ScheduleD/RevenueNotReportedAmt0-601
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt044633555
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0INCOME TAXES THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES. 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 PURPOSES. HOWEVER, IRC 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. IN 2007, THE INTERNAL REVENUE SERVICE (IRS) ISSUED A SERIES OF TECHNICAL ADVICE 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 REMAINS SUBJECT TO EXAMINATION FOR INCOME TAX RETURNS FOR YEARS ENDED AFTER DECEMBER 31, 2017.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1EXPENSES REPORTED ON 990 IN STATEMENT OF EXPENSES BUT REPORTED NET OF REVENUE IN THE AUDITED FINANCIAL STATEMENTS -601.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2EXPENSES REPORTED ON 990 IN STATEMENT OF EXPENSES BUT REPORTED NET OF REVENUE IN THE AUDITED FINANCIAL STATEMENTS 601.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt019867609
IRS990ScheduleD/TotalExpensesPerForm990Amt037978336
IRS990ScheduleD/TotalLiabilityAmt0737414982
IRS990ScheduleD/TotalRevenuePerForm990Amt044633555
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt044632954
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt037977735
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt013000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt07
IRS990ScheduleI/RecipientTable/CashGrantAmt010458
IRS990ScheduleI/RecipientTable/IRCSectionDesc0501(C)(3)
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0FUNDS TO ASSIST IN COVERING EXPENSES RELATED TO MLK DAY OF ANNUAL CELEBRATION
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0GREATER LANSING AREA MLK HOLIDAY COMMISSION

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$848,413,090
Liabilities
$754,878,495
Net assets
$93,534,595
Revenue
$44,633,555
Expenses
$37,978,336
Net income
$6,655,219
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