Liabilities / Assets
31st percentile
Higher debt load relative to assets than 31% of similar nonprofits.
990 • Fiscal year 2016 • EIN 38-0996065
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
31st percentile
Higher debt load relative to assets than 31% of similar nonprofits.
Liabilities / Revenue
73rd percentile
Higher debt load relative to revenue than 73% of similar nonprofits.
Net Margin
26th percentile
Higher net margin than 26% of similar nonprofits.
Top Officer Pay
67th percentile
Higher top officer pay than 67% of similar nonprofits.
Top officer pay equals 1.5% of source-year revenue.
Asset Growth
35th percentile
Faster asset growth than 35% of similar nonprofits.
Revenue Growth
26th percentile
Faster revenue growth than 26% of similar nonprofits.
Assets
Up$729,035,202
Up $33,365,869 (+4.8%) from 2015
Net Assets
Up$88,222,688
Up $6,469,083 (+7.9%) from 2015
Liabilities
Up$640,812,514
Up $26,896,786 (+4.4%) from 2015
Revenue
Up$30,767,807
Up $1,229,008 (+4.2%) from 2015
Expenses
Up$28,112,265
Up $51,522 (+0.2%) from 2015
Net Income
Up$2,655,542
Up $1,177,486 (+80%) from 2015
To provide low/no cost financial products and services to member owners who share a common bond.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $373,561,006 | $409,703,584 | ▲ $36,142,578 |
| Investments Other Securities | $274,261,348 | $272,612,047 | ▼ $1,649,301 |
| Rtn Earn Endowment Incm Other Fnds | $81,753,605 | $88,222,688 | ▲ $6,469,083 |
| Land, Buildings, and Equipment, Net | $22,650,270 | $21,594,515 | ▼ $1,055,755 |
| Savings and Temporary Cash Investments | $10,378,538 | $10,977,228 | ▲ $598,690 |
| Cash and Non-Interest-Bearing Accounts | $2,781,361 | $2,530,275 | ▼ $251,086 |
| Prepaid Expenses and Deferred Charges | $1,106,959 | $1,068,249 | ▼ $38,710 |
| Total Assets | $695,669,333 | $729,035,202 | ▲ $33,365,869 |
| Other Assets Total | $10,929,851 | $10,549,304 | ▼ $380,547 |
| Liabilities | |||
| Other Liabilities | $606,057,664 | $632,493,732 | ▲ $26,436,068 |
| Accounts Payable and Accrued Expenses | $7,858,064 | $8,318,782 | ▲ $460,718 |
| Total Liabilities | $613,915,728 | $640,812,514 | ▲ $26,896,786 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $81,753,605 | $88,222,688 | ▲ $6,469,083 |
| Total Liabilities and Net Assets / Fund Balance | $695,669,333 | $729,035,202 | ▲ $33,365,869 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $15,556,011 | $2,955,814 | $18,511,825 |
| Equipment | $2,652,688 | $11,660,358 | $14,313,046 |
| Other Land Buildings | $1,636,768 | $1,850,422 | $3,487,190 |
| Land | $1,749,048 | - | $1,749,048 |
| Leasehold Improvements | - | $122,451 | $122,451 |
| Other Securities | $517,462 | - | - |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Timothy W Benecke | President/ce | FT | $357,383 | $114,671 | $472,054 |
| Timothy W Benecke | President/CEO | - | $317,646 | $154,408 | $472,054 |
| Robert C Trumble | VP Finance | FT | $177,453 | $59,791 | $237,244 |
| Mark Schuiling | VP It | FT | $152,434 | $48,760 | $205,924 |
| Tracy Kaufman | VP Lending | FT | $153,185 | $45,802 | $194,257 |
| Jacqueline Booms | VP Operation | FT | $153,296 | $22,824 | $176,120 |
| Jacqueline Booms | VP Operations | - | $140,731 | $35,389 | $176,120 |
| Andrea Hales | VP Business | FT | $141,290 | $33,936 | $175,226 |
| Andrea Hales | VP Business Services | - | $128,648 | $46,578 | $175,226 |
| Linda Mcgee | VP Membershi | FT | $140,518 | $30,995 | $171,513 |
| Linda Mcgee | VP Membership Dev | - | $127,123 | $44,390 | $171,513 |
| Name | Title |
|---|---|
| Rodney L Francis | Chairperson |
| Paul D Sudhoff | Vice Chairpe |
| Andrew Bethune | Director |
| Jeanelle Smith | Director |
| Jenna Schrumpf | Director |
| Joan E Farwell-tessman | Director |
| Michael D Williams | Director |
| David a Mcgrain | Secretary |
| Ken Voelker | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $16,530,878 |
| Salaries, Compensation, and Employee Benefits | $11,581,387 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $7,981,092 |
| Interest | - | - | - | $4,953,099 |
| Office Expenses | - | - | - | $2,649,975 |
| Depreciation Depletion | - | - | - | $1,583,248 |
| Pension Plan Contributions | - | - | - | $1,307,007 |
| Other Employee Benefits | - | - | - | $911,651 |
| Information Technology | - | - | - | $901,945 |
| Occupancy | - | - | - | $772,173 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $709,298 |
| Payroll Taxes | - | - | - | $672,339 |
| Advertising | - | - | - | $566,969 |
| Fees for Services Other | - | - | - | $433,030 |
| All Other Expenses | - | - | - | $368,822 |
| Travel | - | - | - | $298,558 |
| Other Expenses | - | - | - | $163,675 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $147,456 |
| Insurance | - | - | - | $136,245 |
| Fees for Services Legal | - | - | - | $119,481 |
| Fees for Services Accounting | - | - | - | $112,052 |
| Conferences and Meetings | - | - | - | $17,351 |
| Total Functional Expenses | $0 | $0 | $0 | $28,112,265 |
| Line Item | Amount |
|---|---|
| Total Expenses per Form 990 | $28,112,265 |
| Expenses per Audited Statements | $28,012,259 |
| Total Expenses per Audited Statements | $28,012,259 |
| Expenses Not Reported on Financial Statements | $100,006 |
| Other Expense Adjustments | $100,006 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Interested Party | Relationship | Description | Shared Revenue | Amount |
|---|---|---|---|---|
| Gretchen Trumble | Family | Salary & Benefits | No | $69,678 |
| Liability | Amount |
|---|---|
| Member Shares | $632,493,732 |
“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.”
“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.”
“Board of director decisions that are subject to membership approval are mergers, charter changes, by-law changes and field of membership changes.”
“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.”
“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.”
“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.”
“Financial statements are posted in all branch office lobbies. Other documents and policies are available for review upon request.”
“All lines left blank are not applicable to the organization.”
“Unamortized transition obligation and other gains -108,958 unrealized holding gains on other investments 293,131 total 184,173”
“Gains reported as expense on afs 100,006”
“Gains reported as expense on afs 100,006”
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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 7858064 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 8318782 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE LOW/NO COST FINANCIAL PRODUCTS AND SERVICES TO MEMBER OWNERS WHO SHARE A COMMON BOND. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 566969 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 368822 |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | ROBERT C TRUMBLE VP FINANCE |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 9892498200 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 6640 BAY ROAD |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | SAGINAW |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 48604 |
| IRS990/BusinessRlnWithFamMemInd | 0 | true |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2781361 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2530275 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 709298 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 17351 |
| IRS990/ConflictOfInterestPolicyInd | 0 | false |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 7831965 |
| IRS990/CYOtherExpensesAmt | 0 | 16530878 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 22935842 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 2655542 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 11581387 |
| IRS990/CYTotalExpensesAmt | 0 | 28112265 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 30767807 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 1583248 |
| IRS990/Desc | 0 | PROVIDE 43,823 MEMBERS WITH HIGH-YIELDING, NO COST SAVINGS AND TRANSACTION ACCOUNTS. THE TOTAL NUMBER OF ACCOUNTS IS 96,228 AND INCLUDES SHARE ACCOUNTS, CHECKING ACCOUNTS, SMALL BUSINESS DEPOSITS, CHRISTMAS CLUBS, IRAS, HIGH-YIELD ACCOUNTS AND CERTIFICATES OF DEPOSITS. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 212 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 112052 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 119481 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 433030 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 147456 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 15 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 114671 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 42780 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 27242 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 39373 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 22824 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 33936 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 30995 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | RODNEY L FRANCIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JOAN E FARWELL-TESSMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | DAVID A MCGRAIN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | PAUL D SUDHOFF |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | MICHAEL D WILLIAMS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | KEN VOELKER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | ANDREW BETHUNE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | JENNA SCHRUMPF |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | JEANELLE SMITH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | TIMOTHY W BENECKE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | ROBERT C TRUMBLE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | TRACY KAUFMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | MARK SCHUILING |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | JACQUELINE BOOMS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | ANDREA HALES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | LINDA MCGEE |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 357383 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 194464 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 167015 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 166551 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 153296 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 141290 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 140518 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | VICE CHAIRPE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | PRESIDENT/CE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | VP FINANCE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | VP LENDING |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | VP IT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | VP OPERATION |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | VP BUSINESS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | VP MEMBERSHI |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1937 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 100006 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 100599 |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 321187 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 108259633 |
| IRS990/GrossReceiptsAmt | 0 | 139148022 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | true |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 9 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 901945 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 136245 |
| IRS990/InterestGrp/TotalAmt | 0 | 4953099 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 7631360 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 7631360 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 274261348 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 272612047 |
| IRS990/IRPDocumentCnt | 0 | 19298 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 16589045 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 22650270 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 21594515 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 38183560 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 221181 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 108159034 |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | true |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | TO PROVIDE LOW/NO COST FINANCIAL PRODUCTS AND SERVICES TO MEMBER OWNERS WHO SHARE A COMMON BOND. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 81753605 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 88222688 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 200605 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 200605 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 38349 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 3629368 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 772173 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 2649975 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 10929851 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 10549304 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 184173 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 911651 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSSES |
| IRS990/OtherExpensesGrp/Desc | 2 | MARKETING |
| IRS990/OtherExpensesGrp/Desc | 3 | REPAIRS AND MAINT |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 2171466 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 824753 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 310580 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 163675 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 606057664 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 632493732 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 7981092 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 373561006 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 409703584 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 672339 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 1307007 |
| IRS990/PoliciesReferenceChaptersInd | 0 | true |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 1106959 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 1068249 |
| IRS990/PrincipalOfficerNm | 0 | ROBERT C TRUMBLE |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 524298 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 524298 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE/OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | INSURANCE |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 17243177 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 5619541 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 17243177 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 5619541 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 73124 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 73124 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | PROVIDE 28,459 LOW RATE LOANS TO MEMBERS INCLUDING VEHICLE, MORTGAGE/HOME EQUITY, SMALL BUSINESS, CREDIT CARDS AND OTHER PERSONAL LOANS. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | PROVIDE NO/LOW COST FINANCIAL PRODUCTS AND SERVICES INCLUDING AUTOMATED TELLER MACHINE ACCESS, DEBIT CARDS, MONEY ORDERS, TRAVELERS CHECKS, AND WIRE TRANSFERS. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 8336789 |
| IRS990/PYOtherExpensesAmt | 0 | 16895282 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 21202010 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1478056 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 11165461 |
| IRS990/PYTotalExpensesAmt | 0 | 28060743 |
| IRS990/PYTotalRevenueAmt | 0 | 29538799 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 2655542 |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 81753605 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 88222688 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 10378538 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 10977228 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 15556011 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 2955814 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 18511825 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 2652688 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 11660358 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 14313046 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 100006 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 28012259 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1749048 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1749048 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 122451 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 122451 |
| IRS990ScheduleD/OtherExpensesNotIncludedAmt | 0 | 100006 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 1636768 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 1850422 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3487190 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 632493732 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES |
| IRS990ScheduleD/OtherRevenuesNotIncludedAmt | 0 | 100006 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 249998585 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 10686751 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 7296939 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 2441572 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 4 | 1670738 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 5 | 517462 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | AVAILABLE-FOR-SALE SECURITIES |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | OTHER INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | TOTAL BENEFITS PREFUNDING MUTUAL FND |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | DEFERRED COMPENSATION MUTUAL FUNDS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 4 | CENTRAL LIQUIDITY FACILITY |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 5 | CUSO INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 4 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 5 | C |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 100006 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 30667801 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | GAINS REPORTED AS EXPENSE ON AFS 100,006 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | GAINS REPORTED AS EXPENSE ON AFS 100,006 |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE D, PAGE 4, PART XI, LINE 4B |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | SCHEDULE D, PAGE 4, PART XII, LINE 4B |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 21594515 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 272612047 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 28112265 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 632493732 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 30767807 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 30667801 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 28012259 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990ScheduleJ/IndependentConsultantInd | 0 | X |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 317646 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 177453 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 2 | 153185 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 3 | 152434 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 4 | 140731 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 5 | 128648 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 6 | 127123 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 37311 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 16142 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 2 | 13470 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 3 | 13877 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 4 | 11668 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 5 | 12035 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 6 | 11668 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 67703 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 1 | 4201 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 2 | 4730 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 46968 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 1 | 38579 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 2 | 27242 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 3 | 34643 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 4 | 22824 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 5 | 33936 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 6 | 30995 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 2426 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 1 | 869 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 2 | 360 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 3 | 240 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 4 | 897 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 5 | 607 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 6 | 1727 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | TIMOTHY W BENECKE |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 1 | ROBERT C TRUMBLE |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 2 | TRACY KAUFMAN |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 3 | MARK SCHUILING |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 4 | JACQUELINE BOOMS |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 5 | ANDREA HALES |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 6 | LINDA MCGEE |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT/CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 1 | VP FINANCE |
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Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.