Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2022 • EIN 38-0893210

Jan 01, 2022 to Dec 31, 2022 • Filed on Nov 07, 2023

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

31st percentile

0.90x

Higher debt load relative to assets than 31% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Liabilities / Revenue

27th percentile

17.13x

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

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Net Margin

46th percentile

16%

Higher net margin than 46% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Top Officer Pay

70th percentile

$496,618

Higher top officer pay than 70% of similar nonprofits.

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

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Asset Growth

53rd percentile

4.5%

Faster asset growth than 53% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Revenue Growth

49th percentile

11%

Faster revenue growth than 49% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets31st percentile

Assets

Up

$986,262,376

Up $42,527,437 (+4.5%) from 2021

Net Assets

Down

$102,432,177

Down $622,859 (-0.6%) from 2021

Liabilities

Up

$883,830,199

Up $43,150,296 (+5.1%) from 2021

Revenue And Expenses
Liabilities / Revenue27th percentileNet Margin46th percentile

Revenue

Up

$51,596,579

Up $4,911,682 (+11%) from 2021

Expenses

Up

$43,349,555

Up $6,342,048 (+17%) from 2021

Net Income

Down

$8,247,024

Down $1,430,366 (-15%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth53rd 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

2022

Assets$986,262,376
Liabilities$883,830,199
Net Assets$102,432,177
Open 2022 Filing

Operations Trend

Revenue Growth49th 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

2022

Revenue$51,596,579
Expenses$43,349,555
Net Income$8,247,024
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 7, 2023
Return Version
2022v5.0
Gross Receipts
$51,829,615
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$657,609,504$783,592,129▲ $125,982,625
Rtn Earn Endowment Incm Other Fnds$103,055,036$102,432,177▼ $622,859
Investments in Publicly Traded Securities$101,213,784$96,642,012▼ $4,571,772
Cash and Non-Interest-Bearing Accounts$43,728,490$26,593,131▼ $17,135,359
Land, Buildings, and Equipment, Net$20,165,656$22,319,248▲ $2,153,592
Investments Other Securities$15,672,944$16,820,617▲ $1,147,673
Savings and Temporary Cash Investments$69,840,038$8,068,746▼ $61,771,292
Prepaid Expenses and Deferred Charges$1,994,048$1,958,693▼ $35,355
Accounts Receivable$2,464,181$164,838▼ $2,299,343
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$943,734,939$986,262,376▲ $42,527,437
Other Assets Total$31,046,294$30,102,962▼ $943,332
Liabilities
Other Liabilities$822,911,375$827,887,832▲ $4,976,457
Accounts Payable and Accrued Expenses$17,768,528$55,942,367▲ $38,173,839
Total Liabilities$840,679,903$883,830,199▲ $43,150,296
Net Assets / Fund Balance
Total Net Assets Fund Balance$103,055,036$102,432,177▼ $622,859
Total Liabilities and Net Assets / Fund Balance$943,734,939$986,262,376▲ $42,527,437

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$14,154,459$7,432,960$21,587,419
Equipment$4,412,483$9,700,107$14,112,590
Land$3,752,306-$3,752,306
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patrick SpykeCEOFT$412,465$84,153$496,618
Kelly Ellsworth-etchisonChief Marketing Ofcr./chieFT$200,162$43,149$243,311
James MchaleChief Financial OfficerFT$161,757$74,620$236,377
Jason SmithChief Lending OfficerFT$149,386$46,716$196,102
Angela RuzinskyChief Membership OfficerFT$142,695$41,964$184,659
Robyn HowellChief Human Resource OfficFT$141,883$41,420$183,303
Emily JannerethChief Technology OfficerFT$149,729$28,468$178,197
Ahmed IssawiIt ManagerFT$136,219$8,066$144,285

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
MdtCore System Processing30230 ORCHARD LAKE RD, Farmington Hills, MI 48334$2,171,243
Informa Business Systems INCItm Equipment/service5170 HARTSHORN DR, Flushing, MI 48433$1,889,155
Cu Cooperative Systems INCCard Processing9692 HAVEN AVE, Rancho Cucamonga, CA 91730$1,484,784
Dobie Construction INCConstruction15733 S HINMAN RD, Eagle, MI 48822$1,097,811
Smith & Johnson Attorneys PCLegal/collection ServicessPO BOX 705, Traverse City, MI 49685$561,914
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$46,787,977
Investment Income
$2,769,083
Other Revenue
$2,039,519
Change in Net Assets
$8,247,024

Audited Revenue Reconciliation

Revenue per Audited Statements
$51,596,579
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$51,596,579
Total Revenue per Form 990
$51,596,579
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$27,061,574
Salaries, Compensation, and Employee Benefits$16,146,670
Grants and Similar Amounts Paid$141,311
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,185,581
Interest---$4,114,503
Information Technology---$2,854,669
Office Expenses---$2,484,116
Other Employee Benefits---$2,159,251
Pension Plan Contributions---$2,059,362
Other Expenses---$1,980,926
Depreciation Depletion---$1,322,955
Advertising---$1,201,056
Current Officers, Directors, Trustees, and Key Employees---$976,306
All Other Expenses---$811,352
Payroll Taxes---$766,170
Fees for Services Other---$603,248
Occupancy---$385,151
Travel---$175,329
Insurance---$136,830
Fees for Services Accounting---$134,797
Grants to Domestic Orgs---$131,311
Payments to Affiliates---$76,199
Fees for Services Legal---$37,761
Grants to Domestic Individuals---$10,000
Conferences and Meetings---$303
Total Functional Expenses$0$0$0$43,349,555

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$43,349,555
Total Expenses per Audited Statements$43,349,555
Total Expenses per Form 990$43,349,555
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Xavier Degroat Autism FoundationLansing, MI501(c)(3)Charitable Contribution$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
Share Accounts$278,383,164
Money Market$229,642,795
Term Share and Ira Certificates$180,507,822
Share Draft$131,299,368
Ira Share Accounts$8,054,683
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
Patrick Spyke
Title
CEO
Phone
5176226600
Signed
2023-11-07
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
193
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 24E

“Atm expenses 696,509. Training/development/educations 308,654. Miscellaneous -82,811. Share insurance premium -111,000.”

FORM 990, PART XI, LINE 9:

“Post-retirement benefit plan gains (losses) 1,819,937. Reclassification adjustment for post-retirement amortization expense included in net earnings 266,933.”

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. 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. Generally, tax years from 2019 through the current year remain open to examination.”

Raw XML AppendixShowing 400 of 628 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/PersonNm2TOM MARTINSON
IRS990/Form990PartVIISectionAGrp/PersonNm3TOM CULPEPPER
IRS990/Form990PartVIISectionAGrp/PersonNm4JERE AUVENSHINE
IRS990/Form990PartVIISectionAGrp/PersonNm5PAULETTE WARREN
IRS990/Form990PartVIISectionAGrp/PersonNm6RANDY FREEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm7PATRICK SPYKE
IRS990/Form990PartVIISectionAGrp/PersonNm8JAMES MCHALE
IRS990/Form990PartVIISectionAGrp/PersonNm9KELLY ELLSWORTH-ETCHISON
IRS990/Form990PartVIISectionAGrp/PersonNm10AHMED ISSAWI
IRS990/Form990PartVIISectionAGrp/PersonNm11ANGELA RUZINSKY
IRS990/Form990PartVIISectionAGrp/PersonNm12EMILY JANNERETH
IRS990/Form990PartVIISectionAGrp/PersonNm13JASON SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm14ROBYN HOWELL
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7451108
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8178257
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9216307
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10136219
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11156049
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12163581
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13164085
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14154200
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 TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF MARKETING OFCR./CHIE
IRS990/Form990PartVIISectionAGrp/TitleTxt10IT MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF MEMBERSHIP OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF TECHNOLOGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF HUMAN RESOURCE OFFIC
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt061320
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt010000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0131311
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0294356
IRS990/GrossReceiptsAmt051829615
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt017
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02854669
IRS990/InsuranceGrp/TotalAmt0136830
IRS990/InterestGrp/TotalAmt04114503
IRS990/InvestmentIncomeGrp/ExclusionAmt02707763
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02707763
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt015672944
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt016820617
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0101213784
IRS990/InvestmentsPubTradedSecGrp/EOYAmt096642012
IRS990/IRPDocumentCnt015407
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt017133067
IRS990/LandBldgEquipBasisNetGrp/BOYAmt020165656
IRS990/LandBldgEquipBasisNetGrp/EOYAmt022319248
IRS990/LandBldgEquipCostOrOtherBssAmt039452315
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0233036
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/NetAssetsOrFundBalancesBOYAmt0103055036
IRS990/NetAssetsOrFundBalancesEOYAmt0102432177
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt061320
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt061320
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-10956753
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0385151
IRS990/OfficeExpensesGrp/TotalAmt02484116
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt031046294
IRS990/OtherAssetsTotalGrp/EOYAmt030102962
IRS990/OtherChangesInNetAssetsAmt02086870
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02159251
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT AND CREDIT CARD E
IRS990/OtherExpensesGrp/Desc2MAINTENANCE
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt05009700
IRS990/OtherExpensesGrp/TotalAmt13335234
IRS990/OtherExpensesGrp/TotalAmt22397445
IRS990/OtherExpensesGrp/TotalAmt31980926
IRS990/OtherLiabilitiesGrp/BOYAmt0822911375
IRS990/OtherLiabilitiesGrp/EOYAmt0827887832
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1520000
IRS990/OtherRevenueMiscGrp/Desc0EQUITY IN EARNINGS OF CUSO'S
IRS990/OtherRevenueMiscGrp/Desc1FINANCE & INSURANCE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01574031
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01574031
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1465488
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0465488
IRS990/OtherRevenueTotalAmt02039519
IRS990/OtherSalariesAndWagesGrp/TotalAmt010185581
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0657609504
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0783592129
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt076199
IRS990/PayrollTaxesGrp/TotalAmt0766170
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt02059362
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01994048
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01958693
IRS990/PrincipalOfficerNm0PATRICK SPYKE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES, CHARGES, OTHER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt035323794
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt111464183
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt035323794
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt111464183
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/PYGrantsAndSimilarPaidAmt013000
IRS990/PYInvestmentIncomeAmt01255284
IRS990/PYOtherExpensesAmt022135441
IRS990/PYOtherRevenueAmt02051702
IRS990/PYProgramServiceRevenueAmt043377911
IRS990/PYRevenuesLessExpensesAmt09677390
IRS990/PYSalariesCompEmpBnftPaidAmt014859066
IRS990/PYTotalExpensesAmt037007507
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt046684897
IRS990/ReconcilationRevenueExpnssAmt08247024
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0103055036
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0102432177
IRS990/SavingsAndTempCashInvstGrp/BOYAmt069840038
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08068746
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt014154459
IRS990ScheduleD/BuildingsGrp/DepreciationAmt07432960
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt021587419
IRS990ScheduleD/EquipmentGrp/BookValueAmt04412483
IRS990ScheduleD/EquipmentGrp/DepreciationAmt09700107
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt014112590
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt043349555
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt03752306
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03752306
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0278383164
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1131299368
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2229642795
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt38054683
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4180507822
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/RevenueSubtotalAmt051596579
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE 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. GENERALLY, TAX YEARS FROM 2019 THROUGH THE CURRENT YEAR REMAIN OPEN TO EXAMINATION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt022319248
IRS990ScheduleD/TotalExpensesPerForm990Amt043349555
IRS990ScheduleD/TotalLiabilityAmt0827887832
IRS990ScheduleD/TotalRevenuePerForm990Amt051596579
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt051596579
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt043349555
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt010000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt04
IRS990ScheduleI/RecipientTable/CashGrantAmt010000
IRS990ScheduleI/RecipientTable/IRCSectionDesc0501(C)(3)
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt00
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0CHARITABLE CONTRIBUTION
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0XAVIER DEGROAT AUTISM FOUNDATION
IRS990ScheduleI/RecipientTable/RecipientEIN0823455094
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt0PO BOX 12014
IRS990ScheduleI/RecipientTable/USAddress/CityNm0LANSING
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd0MI

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$986,262,376
Liabilities
$883,830,199
Net assets
$102,432,177
Revenue
$51,596,579
Expenses
$43,349,555
Net income
$8,247,024
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