Civic Intelligence

Post Community Credit Union

990 • Fiscal year 2013 • EIN 38-1222565

Jan 01, 2013 to Dec 31, 2013 • Filed on Sep 29, 2014

Organization ProfileWWW.POSTCOMMUNITYCU.COM

View Organization Page

240 Cliff StreetBerrien Springs, MI 49014

(269) 966-3900

Siviq Scores

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

Liabilities / Assets

55th percentile

0.90x

Higher debt load relative to assets than 55% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

90th percentile

25.90x

Higher debt load relative to revenue than 90% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

4th percentile

-12%

Higher net margin than 4% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

4th percentile

$64,553

Higher top officer pay than 4% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

58th percentile

2.6%

Faster asset growth than 58% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2012 to 2013

Revenue Growth

34th percentile

0.2%

Faster revenue growth than 34% of similar nonprofits.

2013 filings • $50M-$100M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$85,213,062

Up $2,136,350 (+2.6%) from 2012

Net Assets

Down

$8,699,785

Down $892,209 (-9.3%) from 2012

Liabilities

Up

$76,513,277

Up $3,028,559 (+4.1%) from 2012

Revenue And Expenses
Liabilities / Revenue90th percentileNet Margin4th percentile

Revenue

Up

$2,953,896

Up $5,090 (+0.2%) from 2012

Expenses

Up

$3,294,836

Up $324,682 (+11%) from 2012

Net Income

Down

-$340,940

Down $319,592 (-1497%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth58th percentile

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

$100M$50M$0Assets 2010: $78,502,334Liabilities 2010: $69,107,825Net Assets 2010: $9,394,5092010Assets 2011: $81,621,093Liabilities 2011: $71,792,098Net Assets 2011: $9,828,9952011Assets 2012: $83,076,712Liabilities 2012: $73,484,718Net Assets 2012: $9,591,9942012Assets 2013: $85,213,062Liabilities 2013: $76,513,277Net Assets 2013: $8,699,7852013Assets 2014: $83,855,026Liabilities 2014: $74,506,722Net Assets 2014: $9,348,3042014Assets 2015: $82,405,597Liabilities 2015: $72,623,424Net Assets 2015: $9,782,1732015Assets 2016: $84,537,682Liabilities 2016: $74,404,172Net Assets 2016: $10,133,5102016Assets 2017: $0Liabilities 2017: $0Net Assets 2017: $02017

Highlighted filing

2013

Assets$85,213,062
Liabilities$76,513,277
Net Assets$8,699,785
Open 2013 Filing

Operations Trend

Revenue Growth34th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $3,598,9452010Revenue 2011: $3,282,096Expenses 2011: $3,120,228Net Income 2011: $161,8682011Revenue 2012: $2,948,806Expenses 2012: $2,970,154Net Income 2012: -$21,3482012Revenue 2013: $2,953,896Expenses 2013: $3,294,836Net Income 2013: -$340,9402013Revenue 2014: $3,881,099Expenses 2014: $3,441,617Net Income 2014: $439,4822014Revenue 2015: $4,628,230Expenses 2015: $4,179,455Net Income 2015: $448,7752015Revenue 2016: $5,055,186Expenses 2016: $4,703,849Net Income 2016: $351,3372016Revenue 2017: $4,309,978Expenses 2017: $3,923,571Net Income 2017: $386,4072017

Highlighted filing

2013

Revenue$2,953,896
Expenses$3,294,836
Net Income-$340,940
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Sep 29, 2014
Return Version
2013v3.0
Gross Receipts
$3,077,896
Mission and Program Overview

Mission

To provide quality service while making a difference and adding value to our members, team and communities we serve.

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$34,341,195$38,457,877▲ $4,116,682
Other Notes and Loans Receivable, Net$27,562,006$38,031,968▲ $10,469,962
Rtn Earn Endowment Incm Other Fnds$9,591,994$8,699,785▼ $892,209
Land, Buildings, and Equipment, Net$3,890,877$3,496,566▼ $394,311
Cash and Non-Interest-Bearing Accounts$1,752,204$1,952,107▲ $199,903
Savings and Temporary Cash Investments$13,928,666$1,066,844▼ $12,861,822
Accounts Receivable$22,747$536,864▲ $514,117
Prepaid Expenses and Deferred Charges$88,133$50,653▼ $37,480
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$83,076,712$85,213,062▲ $2,136,350
Other Assets Total$1,490,884$1,620,183▲ $129,299
Liabilities
Other Liabilities$73,154,379$76,159,961▲ $3,005,582
Accounts Payable and Accrued Expenses$330,339$191,264▼ $139,075
Escrow Account Liability$0$162,052▲ $162,052
Total Liabilities$73,484,718$76,513,277▲ $3,028,559
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,591,994$8,699,785▼ $892,209
Total Liabilities and Net Assets / Fund Balance$83,076,712$85,213,062▲ $2,136,350

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,249,493$825,851$3,075,344
Land$1,080,634-$1,080,634
Equipment$166,439$98,434$264,873
Other Securities$3,732,000--
Compensation and Service Providers
Top Officer Pay4th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rob VilandChief Executive OfficerFT$61,905$2,648$64,553

Board Members and Trustees

NameTitle
Robert FosterPresident
Christine AyresDirector
Craig IsmirleDirector
Danny SmithDirector
Howard KingDirector
RANDY O'NEILDirector
Robert EatonDirector
George HankeyDirector (part Year)
Roxanne CaslerSecretary
Jerry HolmerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Harland Financial SolutionsTechnological Services-$163,244
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,451,162
Investment Income
$502,734
Other Revenue
$0
Change in Net Assets
$-340,940

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,989,304
Revenue Not Reported on Financial Statements
$-35,408
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-35,408
Total Revenue per Audited Statements
$2,989,304
Total Revenue per Form 990
$2,953,896
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,127,177
Salaries, Compensation, and Employee Benefits$1,167,659
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$825,195
Fees for Services Other---$374,109
Office Expenses---$221,323
Occupancy---$215,849
All Other Expenses---$208,371
Depreciation Depletion---$194,249
Other Employee Benefits---$165,937
Advertising---$108,048
Payroll Taxes---$80,574
Other Expenses---$79,909
Conferences and Meetings---$69,383
Current Officers, Directors, Trustees, and Key Employees---$64,553
Pension Plan Contributions---$31,400
Insurance---$29,234
Fees for Services Legal---$19,482
Fees for Services Accounting---$2,651
Total Functional Expenses$0$0$0$3,294,836

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$3,330,244
Expenses per Audited Statements$3,294,836
Total Expenses per Form 990$3,294,836
Expenses Not Reported on Form 990$35,408
Expenses Not Reported on Financial Statements$0
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
MEMBERS' SHARES AND SAVINGS ACCOUNTS$76,159,961
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 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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has a single class of members with equal rights of ownership, governance, and voting.”

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

“The board of directors is elected by the membership at the annual meeting. Each board member is elected for staggered three year terms.”

Form 990, Part VI, Section B, Line 11

“A review is conducted by the ceo and cfo prior to submission to the irs. The returns are made available to the board of directors and supervisory committee for review upon request.”

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

“The credit union requires that all employees and officials disclose in writing all personal or business relationships with any member, supplier, business associate or competitor of the credit union that may give rise to conflicts of interest. Such written disclosures shall be submitted to the compliance officer and retained in the credit union records.”

Form 990, Part VI, Section B, Line 15A

“The board of directors completes a performance appraisal of the general manager. Salary increases are determined based on strategic performance and use of mcul compensation survey. The last performance review was completed in 2013.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union lobby. Other documents are available for review upon request.”

Filing and Contact Details

Filer

EIN
38-1222565
Phone
2699663900

Signing Officer

Name
Rob Viland
Title
CEO
Phone
2699663900
Signed
2014-09-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rob Viland
Formed
1936
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
39
Volunteers
9

Preparer

Preparer
Kenley G Penner CPA
Phone
2699828000
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Data processing fees 253,071. Consulting and other professional fees 121,038.”

FORM 990, PART XII, LINE 2C:

“Audit oversight and selection process has not changed from the prior year.”

FORM 990, PART X, LINE 5 AND SCHEDULE L:

“Schedule l is not required for loans receivable balances on form 990, part x, line 5 if the loans are made by the credit union to the directors, officers, and key employees on the same terms offered to other members of the credit union. Therefore, the credit union has included approximately $438,000 and $489,000 of receivables from current officers, directors, trustees, key employees, and highest compensated employees for 2013 and 2012, respectively, within form 990, part x, line 7.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union holds amounts in escrow accounts for real estate taxes and home insurance related to home mortgage loans.”

PART X, LINE 2:

“The credit union is exempt, by statute, from federal and state income taxes. However, the credit union is subject to unrelated business income tax. The net unrelated business income tax is immaterial to the financial statements as a whole. Accounting principles generally accepted in the united states of america require management to evaluate tax positions taken by the credit union and recognize a tax liability if the credit union has taken an uncertain position that more likely than not would not be sustained upon examination by the irs or other applicable taxing authorities. Management has analyzed the tax positions taken by the credit union and has concluded that as of december 31, 2013 and 2012, there are no uncertain positions taken or expected to be taken that would require recognition of a liability or disclosure in the financial statements. The credit union is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. Management believes it is no longer subject to income tax examinations for years prior to 2010.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Loss on sale of other real estate owned -35,408.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Loss on sale of other real estate owned 35,408.”

Raw XML AppendixShowing 400 of 427 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/OccupancyGrp/TotalAmt0215849
IRS990/OfficeExpensesGrp/TotalAmt0221323
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01490884
IRS990/OtherAssetsTotalGrp/EOYAmt01620183
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0165937
IRS990/OtherExpensesGrp/Desc0INTEREST AND DIVIDENDS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2ATM EXPENSE
IRS990/OtherExpensesGrp/Desc3FIXED ASSET IMPAIRMENT
IRS990/OtherExpensesGrp/TotalAmt0289979
IRS990/OtherExpensesGrp/TotalAmt1178089
IRS990/OtherExpensesGrp/TotalAmt2136501
IRS990/OtherExpensesGrp/TotalAmt379909
IRS990/OtherLiabilitiesGrp/BOYAmt073154379
IRS990/OtherLiabilitiesGrp/EOYAmt076159961
IRS990/OtherSalariesAndWagesGrp/TotalAmt0825195
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt027562006
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt038031968
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt080574
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt031400
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt088133
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt050653
IRS990/PrincipalOfficerNm0ROB VILAND
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01750731
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1666992
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01750731
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1700431
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt033439
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 3,235 LOANS INCLUDING VEHICLE, RECREATIONAL VEHICLE, UNSECURED, CREDIT CARD, HOME EQUITY, AND MORTGAGE LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, CHECK CASHING, MONEY ORDERS, WIRE TRANSFERS, BILL PAYER, STUDENT SCHOLARSHIPS, OVERDRAFT PROTECTION/COURTESY PAY AND VARIOUS INSURANCE PROGRAMS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0662219
IRS990/PYOtherExpensesAmt01837867
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02286587
IRS990/PYRevenuesLessExpensesAmt0-21348
IRS990/PYSalariesCompEmpBnftPaidAmt01132287
IRS990/PYTotalExpensesAmt02970154
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02948806
IRS990/ReconcilationRevenueExpnssAmt0-340940
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09591994
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08699785
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013928666
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01066844
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02249493
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0825851
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03075344
IRS990ScheduleD/EquipmentGrp/BookValueAmt0166439
IRS990ScheduleD/EquipmentGrp/DepreciationAmt098434
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0264873
IRS990ScheduleD/ExpensesNotReportedAmt035408
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03294836
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt01080634
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01080634
IRS990ScheduleD/OtherExpensesIncludedAmt035408
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt076159961
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES AND SAVINGS ACCOUNTS
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-35408
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt019020726
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt16855330
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt28849821
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt33732000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0U.S. GOVERNMENT AND FEDERAL AGENCY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MORTGAGE-BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc2COLLATERALIZED MORTGAGE OBLIGATIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3NEGOTIABLE CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-35408
IRS990ScheduleD/RevenueSubtotalAmt02989304
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS AMOUNTS IN ESCROW ACCOUNTS FOR REAL ESTATE TAXES AND HOME INSURANCE RELATED TO HOME MORTGAGE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES. HOWEVER, THE CREDIT UNION IS SUBJECT TO UNRELATED BUSINESS INCOME TAX. THE NET UNRELATED BUSINESS INCOME TAX IS IMMATERIAL TO THE FINANCIAL STATEMENTS AS A WHOLE. ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REQUIRE MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE CREDIT UNION AND RECOGNIZE A TAX LIABILITY IF THE CREDIT UNION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY THE IRS OR OTHER APPLICABLE TAXING AUTHORITIES. MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE CREDIT UNION AND HAS CONCLUDED THAT AS OF DECEMBER 31, 2013 AND 2012, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY OR DISCLOSURE IN THE FINANCIAL STATEMENTS. THE CREDIT UNION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. MANAGEMENT BELIEVES IT IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR YEARS PRIOR TO 2010.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2LOSS ON SALE OF OTHER REAL ESTATE OWNED -35,408.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3LOSS ON SALE OF OTHER REAL ESTATE OWNED 35,408.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc3PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03496566
IRS990ScheduleD/TotalBookValueSecuritiesAmt038457877
IRS990ScheduleD/TotalExpensesPerForm990Amt03294836
IRS990ScheduleD/TotalLiabilityAmt076159961
IRS990ScheduleD/TotalRevenuePerForm990Amt02953896
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02989304
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03330244
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE, AND VOTING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP AT THE ANNUAL MEETING. EACH BOARD MEMBER IS ELECTED FOR STAGGERED THREE YEAR TERMS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A REVIEW IS CONDUCTED BY THE CEO AND CFO PRIOR TO SUBMISSION TO THE IRS. THE RETURNS ARE MADE AVAILABLE TO THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION REQUIRES THAT ALL EMPLOYEES AND OFFICIALS DISCLOSE IN WRITING ALL PERSONAL OR BUSINESS RELATIONSHIPS WITH ANY MEMBER, SUPPLIER, BUSINESS ASSOCIATE OR COMPETITOR OF THE CREDIT UNION THAT MAY GIVE RISE TO CONFLICTS OF INTEREST. SUCH WRITTEN DISCLOSURES SHALL BE SUBMITTED TO THE COMPLIANCE OFFICER AND RETAINED IN THE CREDIT UNION RECORDS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS COMPLETES A PERFORMANCE APPRAISAL OF THE GENERAL MANAGER. SALARY INCREASES ARE DETERMINED BASED ON STRATEGIC PERFORMANCE AND USE OF MCUL COMPENSATION SURVEY. THE LAST PERFORMANCE REVIEW WAS COMPLETED IN 2013.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY. OTHER DOCUMENTS ARE AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DATA PROCESSING FEES 253,071. CONSULTING AND OTHER PROFESSIONAL FEES 121,038.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7AUDIT OVERSIGHT AND SELECTION PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8SCHEDULE L IS NOT REQUIRED FOR LOANS RECEIVABLE BALANCES ON FORM 990, PART X, LINE 5 IF THE LOANS ARE MADE BY THE CREDIT UNION TO THE DIRECTORS, OFFICERS, AND KEY EMPLOYEES ON THE SAME TERMS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION. THEREFORE, THE CREDIT UNION HAS INCLUDED APPROXIMATELY $438,000 AND $489,000 OF RECEIVABLES FROM CURRENT OFFICERS, DIRECTORS, TRUSTEES, KEY EMPLOYEES, AND HIGHEST COMPENSATED EMPLOYEES FOR 2013 AND 2012, RESPECTIVELY, WITHIN FORM 990, PART X, LINE 7.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2C:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART X, LINE 5 AND SCHEDULE L:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt083076712
IRS990/TotalAssetsEOYAmt085213062
IRS990/TotalAssetsGrp/BOYAmt083076712
IRS990/TotalAssetsGrp/EOYAmt085213062
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt039
IRS990/TotalFunctionalExpensesGrp/TotalAmt03294836
IRS990/TotalGrossUBIAmt033439
IRS990/TotalLiabilitiesBOYAmt073484718
IRS990/TotalLiabilitiesEOYAmt076513277
IRS990/TotalLiabilitiesGrp/BOYAmt073484718
IRS990/TotalLiabilitiesGrp/EOYAmt076513277
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt09591994
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08699785
IRS990/TotalOtherCompensationAmt02648
IRS990/TotalProgramServiceRevenueAmt02451162
IRS990/TotalReportableCompFromOrgAmt061905
IRS990/TotalRevenueGrp/ExclusionAmt0502734
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02417723
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02953896
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt033439
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt083076712
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt085213062
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10240 CLIFF STREET
IRS990/USAddress/City0BATTLE CREEK
IRS990/USAddress/State0MI
IRS990/USAddress/ZIPCode049014
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.POSTCOMMUNITYCU.COM
IRS990/WhistleblowerPolicyInd01

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$85,213,062
Liabilities
$76,513,277
Net assets
$8,699,785
Revenue
$2,953,896
Expenses
$3,294,836
Net income
-$340,940
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$4.31$3.92$0.39
2016Detailed filing. Detailed filing data is available for this year.$84.5$74.4$10.1$5.06$4.70$0.35
2015Detailed filing. Detailed filing data is available for this year.$82.4$72.6$9.78$4.63$4.18$0.45
2014Detailed filing. Detailed filing data is available for this year.$83.9$74.5$9.35$3.88$3.44$0.44
2013Detailed filing. Detailed filing data is available for this year.$85.2$76.5$8.70$2.95$3.29$0.34
2012Summary only. Only limited summary data is available for this year.$83.1$73.5$9.59$2.95$2.97$0.02
2011Summary only. Only limited summary data is available for this year.$81.6$71.8$9.83$3.28$3.12$0.16
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$78.5$69.1$9.39$3.60