Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2013 • EIN 38-0996065

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 11, 2014

6640 Bay RoadSaginaw, MI 48604

(989) 249-8200

Siviq Scores

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

Liabilities / Assets

23rd percentile

0.87x

Higher debt load relative to assets than 23% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

64th percentile

19.41x

Higher debt load relative to revenue than 64% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

23rd percentile

8.5%

Higher net margin than 23% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

50th percentile

$362,782

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

12th percentile

0.3%

Faster asset growth than 12% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Assets

Up

$679,361,311

Up $1,883,408 (+0.3%) from 2012

Net Assets

Down

$86,409,977

Down $4,093,122 (-4.5%) from 2012

Liabilities

Up

$592,951,334

Up $5,976,530 (+1.0%) from 2012

Revenue

$30,543,850

No earlier filing loaded for comparison.

Expenses

Down

$27,933,515

Down $430,285 (-1.5%) from 2012

Net Income

$2,610,335

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$1.5B$1.0B$500M$0Assets 2010: $609,228,647Liabilities 2010: $527,452,628Net Assets 2010: $81,776,0192010Assets 2011: $652,366,510Liabilities 2011: $570,317,033Net Assets 2011: $82,049,4772011Assets 2012: $677,477,903Liabilities 2012: $586,974,804Net Assets 2012: $90,503,0992012Assets 2013: $679,361,311Liabilities 2013: $592,951,334Net Assets 2013: $86,409,9772013Assets 2014: $675,026,508Liabilities 2014: $589,498,705Net Assets 2014: $85,527,8032014Assets 2015: $695,669,333Liabilities 2015: $613,915,728Net Assets 2015: $81,753,6052015Assets 2016: $729,035,202Liabilities 2016: $640,812,514Net Assets 2016: $88,222,6882016Assets 2017: $763,793,492Liabilities 2017: $672,212,075Net Assets 2017: $91,581,4172017Assets 2018: $769,168,509Liabilities 2018: $677,404,452Net Assets 2018: $91,764,0572018Assets 2019: $844,798,383Liabilities 2019: $739,003,524Net Assets 2019: $105,794,8592019Assets 2020: $996,800,342Liabilities 2020: $878,503,828Net Assets 2020: $118,296,5142020Assets 2021: $1,097,457,613Liabilities 2021: $979,828,051Net Assets 2021: $117,629,5622021Assets 2022: $1,031,748,656Liabilities 2022: $942,342,296Net Assets 2022: $89,406,3602022Assets 2023: $1,075,470,650Liabilities 2023: $975,323,286Net Assets 2023: $100,147,3642023Assets 2024: $1,111,206,637Liabilities 2024: $998,405,254Net Assets 2024: $112,801,3832024

Highlighted filing

2013

Assets$679,361,311
Liabilities$592,951,334
Net Assets$86,409,977

Operations Trend

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

$80M$60M$40M$20M$0-$20MExpenses 2010: $27,434,7492010Expenses 2011: $27,842,8652011Expenses 2012: $28,363,8002012Revenue 2013: $30,543,850Expenses 2013: $27,933,515Net Income 2013: $2,610,3352013Revenue 2014: $28,276,678Expenses 2014: $26,828,255Net Income 2014: $1,448,4232014Revenue 2015: $29,538,799Expenses 2015: $28,060,743Net Income 2015: $1,478,0562015Revenue 2016: $30,767,807Expenses 2016: $28,112,265Net Income 2016: $2,655,5422016Revenue 2017: $32,934,559Expenses 2017: $29,471,755Net Income 2017: $3,462,8042017Revenue 2018: $35,880,699Expenses 2018: $31,781,537Net Income 2018: $4,099,1622018Revenue 2019: $41,259,879Expenses 2019: $35,496,685Net Income 2019: $5,763,1942019Revenue 2020: $40,766,110Expenses 2020: $35,823,551Net Income 2020: $4,942,5592020Revenue 2021: $44,555,752Expenses 2021: $34,829,715Net Income 2021: $9,726,0372021Revenue 2022: $42,338,523Expenses 2022: $37,350,013Net Income 2022: $4,988,5102022Revenue 2023: $49,757,946Expenses 2023: $50,005,824Net Income 2023: -$247,8782023Revenue 2024: $62,149,802Expenses 2024: $59,106,731Net Income 2024: $3,043,0712024

Highlighted filing

2013

Revenue$30,543,850
Expenses$27,933,515
Net Income$2,610,335
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 11, 2014
Return Version
2013v4.0
Gross Receipts
$151,071,357
Mission and Program Overview

Mission

To provide low/no cost financial products and services to member owners who share a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$357,442,582$326,126,154▼ $31,316,428
Other Notes and Loans Receivable, Net$278,377,415$303,318,870▲ $24,941,455
Rtn Earn Endowment Incm Other Fnds$90,503,099$86,409,977▼ $4,093,122
Land, Buildings, and Equipment, Net$18,415,730$25,961,915▲ $7,546,185
Savings and Temporary Cash Investments$7,091,629$9,168,111▲ $2,076,482
Cash and Non-Interest-Bearing Accounts$3,228,600$1,951,681▼ $1,276,919
Prepaid Expenses and Deferred Charges$980,387$825,715▼ $154,672
Total Assets$677,477,903$679,361,311▲ $1,883,408
Other Assets Total$11,941,560$12,008,865▲ $67,305
Liabilities
Other Liabilities$579,102,344$585,250,937▲ $6,148,593
Accounts Payable and Accrued Expenses$7,872,460$7,700,397▼ $172,063
Total Liabilities$586,974,804$592,951,334▲ $5,976,530
Net Assets / Fund Balance
Total Net Assets Fund Balance$90,503,099$86,409,977▼ $4,093,122
Total Liabilities and Net Assets / Fund Balance$677,477,903$679,361,311▲ $1,883,408

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$16,428,628$1,834,500$18,263,128
Equipment$5,568,085$8,635,557$14,203,642
Other Land Buildings$2,216,154$1,266,956$3,483,110
Land$1,749,048-$1,749,048
Leasehold Improvements-$122,451$122,451
Other Securities$470,822--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Timothy W BeneckePresident/ceFT$299,564$63,218$362,782
Timothy W BeneckePresident/CEO-$264,747$98,035$362,782
Robert C TrumbleVP FinanceFT$135,837$43,328$179,165
Mark SchuilingVP ItFT$116,817$50,633$167,450
Jacqueline BoomsVP OperationFT$136,705$21,964$158,669
Jacqueline BoomsVP Operations-$119,950$38,719$158,669
Linda McgeeVP MembershiFT$128,128$29,942$158,070
Linda McgeeVP Membership Dev-$118,726$39,344$158,070
Tracy KaufmanVP LendingFT$128,161$21,704$149,865
Andrea HalesVP BusinessFT$116,025$30,194$146,219

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$18,499,505
Investment Income
$12,044,345
Other Revenue
$0
Change in Net Assets
$2,610,335

Audited Revenue Reconciliation

Revenue per Audited Statements
$30,543,850
Revenue Not Reported on Form 990
$69,513
Total Revenue per Audited Statements
$30,613,363
Total Revenue per Form 990
$30,543,850
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$17,939,485
Salaries, Compensation, and Employee Benefits$9,994,030
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$6,905,493
Interest---$6,504,088
Office Expenses---$2,068,637
Depreciation Depletion---$1,244,092
Pension Plan Contributions---$1,039,817
Other Employee Benefits---$917,683
Information Technology---$829,276
Occupancy---$720,682
Payroll Taxes---$589,090
Advertising---$545,730
Current Officers, Directors, Trustees, and Key Employees---$541,947
Fees for Services Other---$504,835
All Other Expenses---$479,114
Travel---$294,943
Other Expenses---$276,063
Insurance---$200,521
Fees for Service Investment Mgmnt Fees---$109,493
Fees for Services Accounting---$95,511
Fees for Services Legal---$44,907
Conferences and Meetings---$37,388
Total Functional Expenses$0$0$0$27,933,515

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$28,003,028
Expenses per Audited Statements$27,933,515
Total Expenses per Form 990$27,933,515
Expenses Not Reported on Form 990$69,513
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Gretchen TrumbleFamilySalary & BenefitsNo$71,401
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$585,250,937
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
Yes
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

All members of the credit union are of the same class. Each member has the right to vote for individuals serving on the volunteer board of directors at each annual meeting.

Form 990, Page 6, Part VI, Line 7A

The board of directors is elected at the annual meeting by the membership present at the meeting. Each board member is elected for a three year term.

Form 990, Page 6, Part VI, Line 7B

Board of director decisions that are subject to membership approval are mergers, charter changes, by-law changes and field of membership changes.

Form 990, Page 6, Part VI, Line 11B

A review is conducted by the vice president of finance prior to submission to the irs. The return is made available to the board of directors for review.

Form 990, Page 6, Part VI, Line 15A

The board of directors completes an evaulation of the president/ceo. The board of directors sets the salary of the president/ceo. The credit union uses the services of a professional compensation consulting firm to determine appropriate compensation ranges.

Form 990, Page 6, Part VI, Line 15B

The president/ceo evaluates the vice president of finance. All staff salary increases (excluding the president/ceo) are set by the president/ceo and approved by the board of directors. The credit union uses the services of a professional compensation consulting firm to determine appropriate compensation ranges.

Form 990, Page 6, Part VI, Line 19

Financial statements are posted in all branch office lobbies. Other documents and policies are available for review upon request.

Filing and Contact Details

Filer

EIN
38-0996065
Phone
9892498200

Signing Officer

Name
Robert C Trumble
Title
Vice President Finance
Phone
9892498200
Signed
2014-11-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert C Trumble
Formed
1937
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
209
Volunteers
9

Preparer

Preparer
Laura M Ebel
Phone
9894975300
Supplemental Narrative

Additional Explanations

Form 990

All lines left blank are not applicable to the organization.

Form 990, Part XI, Line 9

Losses reported as expenses on afs 69,513 losses reported as expenses on afs -69,513

Form 990, Part XI, Line 9

Unrealized holding losses on other investments 3,583 unamortized transition obligation and other gains 48,314

Financial Statement Notes

Schedule D, Page 4, Part XI, Line 2D

Losses reported as expenses on afs 69,513

Schedule D, Page 4, Part XII, Line 2D

Losses reported as expenses on afs 69,513

Raw XML AppendixShowing 400 of 500 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt07872460
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt07700397
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROVIDE LOW/NO COST FINANCIAL PRODUCTS AND SERVICES TO MEMBER OWNERS WHO SHARE A COMMON BOND.
IRS990/AdvertisingGrp/TotalAmt0545730
IRS990/AllOtherExpensesGrp/TotalAmt0479114
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0ROBERT C TRUMBLE VP FINANCE
IRS990/BooksInCareOfDetail/PhoneNum09892498200
IRS990/BooksInCareOfDetail/USAddress/AddressLine106640 BAY ROAD
IRS990/BooksInCareOfDetail/USAddress/City0SAGINAW
IRS990/BooksInCareOfDetail/USAddress/State0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCode048604
IRS990/BusinessRlnWithFamMemInd0true
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt03228600
IRS990/CashNonInterestBearingGrp/EOYAmt01951681
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0541947
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt037388
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt012044345
IRS990/CYOtherExpensesAmt017939485
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt018499505
IRS990/CYRevenuesLessExpensesAmt02610335
IRS990/CYSalariesCompEmpBnftPaidAmt09994030
IRS990/CYTotalExpensesAmt027933515
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt030543850
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt01244092
IRS990/Desc0PROVIDE 38,372 MEMBERS WITH HIGH-YIELDING, NO COST SAVINGS AND TRANSACTION ACCOUNTS. THE TOTAL NUMBER OF ACCOUNTS IS 84,337 AND INCLUDES SHARE ACCOUNTS, CHECKING ACCOUNTS, SMALL BUSINESS DEPOSITS, CHRISTMAS CLUBS, IRAS, HIGH-YIELD ACCOUNTS AND CERTIFICATES OF DEPOSITS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt0209
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt095511
IRS990/FeesForServicesLegalGrp/TotalAmt044907
IRS990/FeesForServicesOtherGrp/TotalAmt0504835
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt0109493
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt863218
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt932133
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1029971
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1121964
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1221704
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1329942
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1430194
IRS990/Form990PartVIISectionAGrp/PersonNm0RODNEY L FRANCIS
IRS990/Form990PartVIISectionAGrp/PersonNm1JOAN E FARWELL- TESSMAN
IRS990/Form990PartVIISectionAGrp/PersonNm2DAVID A MCGRAIN
IRS990/Form990PartVIISectionAGrp/PersonNm3LATCHIE CHESNEY
IRS990/Form990PartVIISectionAGrp/PersonNm4PAUL D SUDHOFF
IRS990/Form990PartVIISectionAGrp/PersonNm5MICHAEL D WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm6JANE P WIRTH
IRS990/Form990PartVIISectionAGrp/PersonNm7KEN VOELKER
IRS990/Form990PartVIISectionAGrp/PersonNm8TIMOTHY W BENECKE
IRS990/Form990PartVIISectionAGrp/PersonNm9ROBERT C TRUMBLE
IRS990/Form990PartVIISectionAGrp/PersonNm10MARK SCHUILING
IRS990/Form990PartVIISectionAGrp/PersonNm11JACQUELINE BOOMS
IRS990/Form990PartVIISectionAGrp/PersonNm12TRACY KAUFMAN
IRS990/Form990PartVIISectionAGrp/PersonNm13LINDA MCGEE
IRS990/Form990PartVIISectionAGrp/PersonNm14ANDREA HALES
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8299564
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9147032
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10137479
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11136705
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12128161
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13128128
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14116025
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/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE CHAIRPE
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT/CE
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OPERATION
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP MEMBERSHI
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP BUSINESS
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0true
IRS990/FormationYr01937
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0-69513
IRS990/GainOrLossGrp/SecuritiesAmt01443885
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0518761
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0121383118
IRS990/GrossReceiptsAmt0151071357
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0829276
IRS990/InsuranceGrp/TotalAmt0200521
IRS990/InterestGrp/TotalAmt06504088
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt010669973
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt010669973
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0357442582
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0326126154
IRS990/IRPDocumentCnt017108
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt011859464
IRS990/LandBldgEquipBasisNetGrp/BOYAmt018415730
IRS990/LandBldgEquipBasisNetGrp/EOYAmt025961915
IRS990/LandBldgEquipCostOrOtherBssAmt037821379
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0588274
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0119939233
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE LOW/NO COST FINANCIAL PRODUCTS AND SERVICES TO MEMBER OWNERS WHO SHARE A COMMON BOND.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt090503099
IRS990/NetAssetsOrFundBalancesEOYAmt086409977
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt01374372
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01374372
IRS990/NetUnrelatedBusTxblIncmAmt024002
IRS990/NetUnrlzdGainsLossesInvstAmt0-6658726
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0720682
IRS990/OfficeExpensesGrp/TotalAmt02068637
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt011941560
IRS990/OtherAssetsTotalGrp/EOYAmt012008865
IRS990/OtherChangesInNetAssetsAmt0-44731
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0917683
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc2NCUSIF PREMIUM ASSESSMENT
IRS990/OtherExpensesGrp/Desc3MARKETING
IRS990/OtherExpensesGrp/TotalAmt02020698
IRS990/OtherExpensesGrp/TotalAmt11518834
IRS990/OtherExpensesGrp/TotalAmt2444673
IRS990/OtherExpensesGrp/TotalAmt3276063
IRS990/OtherLiabilitiesGrp/BOYAmt0579102344
IRS990/OtherLiabilitiesGrp/EOYAmt0585250937
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt06905493
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0278377415
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0303318870
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0589090
IRS990/PensionPlanContributionsGrp/TotalAmt01039817
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0980387
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0825715
IRS990/PrincipalOfficerNm0ROBERT C TRUMBLE
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE/OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt014173664
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14283221
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt014173664
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14283221
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt242620
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt042620
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 23,786 LOW RATE LOANS TO MEMBERS INCLUDING VEHICLE, MORTGAGE/HOME EQUITY, SMALL BUSINESS, CREDIT CARDS AND OTHER PERSONAL LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVIDE NO/LOW COST FINANCIAL PRODUCTS AND SERVICES INCLUDING AUTOMATED TELLER MACHINE ACCESS, DEBIT CARDS, MONEY ORDERS, TRAVELERS CHECKS, AND WIRE TRANSFERS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt013835226
IRS990/PYOtherExpensesAmt017058314
IRS990/PYProgramServiceRevenueAmt017800745
IRS990/PYRevenuesLessExpensesAmt03272171
IRS990/PYSalariesCompEmpBnftPaidAmt011305486
IRS990/PYTotalExpensesAmt028363800
IRS990/PYTotalRevenueAmt031635971
IRS990/ReconcilationRevenueExpnssAmt02610335
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt090503099
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt086409977
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07091629
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09168111
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt016428628
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01834500
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt018263128
IRS990ScheduleD/EquipmentGrp/BookValueAmt05568085
IRS990ScheduleD/EquipmentGrp/DepreciationAmt08635557
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt014203642
IRS990ScheduleD/ExpensesNotReportedAmt069513
IRS990ScheduleD/ExpensesSubtotalAmt027933515
IRS990ScheduleD/LandGrp/BookValueAmt01749048
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01749048
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0122451
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0122451
IRS990ScheduleD/OtherExpensesIncludedAmt069513
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt02216154
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt01266956
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt03483110
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0585250937
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherRevenueAmt069513
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0317276372
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt14545490
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt22225901
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt31607569
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt4470822
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AVAILABLE-FOR-SALE SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2DEFERRED COMPENSATION MUTUAL FUNDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3CENTRAL LIQUIDITY FACILITY
IRS990ScheduleD/OtherSecuritiesGrp/Desc4CUSO INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/RevenueNotReportedAmt069513
IRS990ScheduleD/RevenueSubtotalAmt030543850
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0LOSSES REPORTED AS EXPENSES ON AFS 69,513
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1LOSSES REPORTED AS EXPENSES ON AFS 69,513
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XI, LINE 2D
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 2D
IRS990ScheduleD/TotalBookValueLandBuildingsAmt025961915
IRS990ScheduleD/TotalBookValueSecuritiesAmt0326126154
IRS990ScheduleD/TotalExpensesPerForm990Amt027933515
IRS990ScheduleD/TotalLiabilityAmt0585250937
IRS990ScheduleD/TotalRevenuePerForm990Amt030543850
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt030613363
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt028003028
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0264747
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1135837
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2116817
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3119950
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4118726
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount032874
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount110774
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount220446
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount316294
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount48370
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt016926
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt11050
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt21183
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt046292
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt131083
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt228788
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt321964
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt429942
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt01943
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt1421
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt2216
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt3461
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt41032
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TIMOTHY W BENECKE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1ROBERT C TRUMBLE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2MARK SCHUILING
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3JACQUELINE BOOMS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4LINDA MCGEE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VP FINANCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2VP IT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3VP OPERATIONS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4VP MEMBERSHIP DEV
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0362782
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1179165
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2167450
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3158669
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt4158070
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0PART I, LINE 1A - FRINGE OR EXPENSE EXPLANATION THE CREDIT UNION OFFERS TRAVEL RELATED EXPENSES FOR COMPANIONS OF NON- COMPENSATED BOARD MEMBERS. ALL VOLUNTEER BOARD MEMBERS ARE ELIGIBLE FOR THIS BENEFIT, HOWEVER, NOT ALL TAKE ADVANTAGE OF THIS BENEFIT. IN THE CURRENT YEAR 5 BOARD MEMBERS TOOK ADVANTAGE OF THIS BENEFIT. THIS BENEFIT IS TAXABLE AND WAS REPORTED ON FORM 1099-MISC TO EACH COMPANION.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PART III
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0GRETCHEN TRUMBLE

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,111$998$113$62.1$59.1$3.04
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,075$975$100$49.8$50.0$0.25
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,032$942$89.4$42.3$37.4$4.99
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,097$980$118$44.6$34.8$9.73
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$997$879$118$40.8$35.8$4.94
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$845$739$106$41.3$35.5$5.76
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$769$677$91.8$35.9$31.8$4.10
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$764$672$91.6$32.9$29.5$3.46
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$729$641$88.2$30.8$28.1$2.66
2015Detailed filing. Detailed filing data is available for this year.$696$614$81.8$29.5$28.1$1.48
2014Detailed filing. Detailed filing data is available for this year.$675$589$85.5$28.3$26.8$1.45
2013Detailed filing. Detailed filing data is available for this year.$679$593$86.4$30.5$27.9$2.61
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$677$587$90.5$28.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$652$570$82.0$27.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$609$527$81.8$27.4
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $250M-$1B nonprofits