Civic Intelligence

Post Community Credit Union

990 • Fiscal year 2014 • EIN 38-1222565

Jan 01, 2014 to Dec 31, 2014 • Filed on Oct 29, 2015

Organization ProfileWWW.POSTCOMMUNITYCU.COM

View Organization Page

240 Cliff StreetBattle Creek, MI 49014

(269) 966-3900

Siviq Scores

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

Liabilities / Assets

48th percentile

0.89x

Higher debt load relative to assets than 48% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

51st percentile

19.20x

Higher debt load relative to revenue than 51% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

56th percentile

11%

Higher net margin than 56% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

14th percentile

$92,603

Higher top officer pay than 14% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

12th percentile

-1.6%

Faster asset growth than 12% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

98th percentile

31%

Faster revenue growth than 98% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets48th percentile

Assets

Down

$83,855,026

Down $1,358,036 (-1.6%) from 2013

Net Assets

Up

$9,348,304

Up $648,519 (+7.5%) from 2013

Liabilities

Down

$74,506,722

Down $2,006,555 (-2.6%) from 2013

Revenue And Expenses
Liabilities / Revenue51st percentileNet Margin56th percentile

Revenue

Up

$3,881,099

Up $927,203 (+31%) from 2013

Expenses

Up

$3,441,617

Up $146,781 (+4.5%) from 2013

Net Income

Up

$439,482

Up $780,422 (+229%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth12th 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

2014

Assets$83,855,026
Liabilities$74,506,722
Net Assets$9,348,304
Open 2014 Filing

Operations Trend

Revenue Growth98th 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

2014

Revenue$3,881,099
Expenses$3,441,617
Net Income$439,482
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Oct 29, 2015
Return Version
2014v5.0
Gross Receipts
$35,853,744
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$38,031,968$54,676,352▲ $16,644,384
Investments Other Securities$38,457,877$13,599,234▼ $24,858,643
Rtn Earn Endowment Incm Other Fnds$8,699,785$9,348,304▲ $648,519
Savings and Temporary Cash Investments$1,066,844$8,047,505▲ $6,980,661
Land, Buildings, and Equipment, Net$3,496,566$3,394,913▼ $101,653
Cash and Non-Interest-Bearing Accounts$1,952,107$1,746,097▼ $206,010
Accounts Receivable$536,864$193,576▼ $343,288
Prepaid Expenses and Deferred Charges$50,653$85,347▲ $34,694
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$85,213,062$83,855,026▼ $1,358,036
Other Assets Total$1,620,183$2,112,002▲ $491,819
Liabilities
Other Liabilities$76,159,961$74,117,535▼ $2,042,426
Accounts Payable and Accrued Expenses$191,264$259,078▲ $67,814
Escrow Account Liability$162,052$130,109▼ $31,943
Total Liabilities$76,513,277$74,506,722▼ $2,006,555
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,699,785$9,348,304▲ $648,519
Total Liabilities and Net Assets / Fund Balance$85,213,062$83,855,026▼ $1,358,036

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,289,126$922,078$3,211,204
Land$726,194-$726,194
Equipment$379,593$181,065$560,658
Other Securities$999,000--
Compensation and Service Providers
Top Officer Pay14th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rob VilandChief Executive OfficerFT$87,923$4,680$92,603

Board Members and Trustees

NameTitle
Robert FosterPresident
Jerry HolmerVice-chairman
Christine AyresDirector
Craig IsmirleDirector
Danny SmithDirector
Roxanne CaslerDirector
Scott ClevelandDirector
Howard KingDirector (resigned 6/29/14)
Robert EatonSecretary
RANDY O'NEILTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,460,762
Investment Income
$411,494
Other Revenue
$8,843
Change in Net Assets
$439,482

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,881,099
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$128,186
Total Revenue per Audited Statements
$4,009,285
Total Revenue per Form 990
$3,881,099
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,132,101
Salaries, Compensation, and Employee Benefits$1,309,516
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$915,084
Office Expenses---$332,878
All Other Expenses---$303,478
Occupancy---$296,937
Other Employee Benefits---$181,801
Depreciation Depletion---$178,858
Advertising---$139,203
Other Expenses---$135,689
Current Officers, Directors, Trustees, and Key Employees---$92,603
Payroll Taxes---$91,592
Fees for Services Other---$57,383
Conferences and Meetings---$35,128
Pension Plan Contributions---$28,436
Insurance---$27,670
Fees for Services Accounting---$26,547
Fees for Services Legal---$12,499
Interest---$32
Total Functional Expenses$0$0$0$3,441,617

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$3,569,803
Expenses per Audited Statements$3,441,617
Total Expenses per Form 990$3,441,617
Expenses Not Reported on Form 990$128,186
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$74,117,535
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 right 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. This is included in the employee handbook. Such written disclosures shall be submitted to the compliance officer and/or hr 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. Performance reviews are conducted annually.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union lobby. Governing documents and conflict of interest policy are available for review upon request.”

Filing and Contact Details

Filer

Filer Name
Post Community Credit Union
EIN
38-1222565
Phone
2699663900
Address
240 CLIFF STREET, BATTLE CREEK, MI 49014

Signing Officer

Name
Rob Viland
Title
CEO
Phone
2699663900
Signed
2015-10-29
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
46
Volunteers
9

Preparer

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

Additional Explanations

FORM 990, PART XII, LINE 2C:

“We have a committee that assumes responsibility for the oversight of the audit of its financial statements and the selection of an independent accountant. Our process has not changed from the prior year.”

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:

“Income taxes the credit union is exempt, by statute (irc section 501(c)14), from federal and state income taxes.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Loss on oreo 4,692. Loss on investments 78,483. Loss on sale of fixed assets 45,011.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Loss on oreo 4,692. Loss on investments 78,483. Loss on sale of fixed assets 45,011.”

Raw XML AppendixShowing 400 of 428 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR (RESIGNED 6/29/14)
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IRS990/OtherExpensesGrp/TotalAmt2171487
IRS990/OtherExpensesGrp/TotalAmt3135689
IRS990/OtherLiabilitiesGrp/BOYAmt076159961
IRS990/OtherLiabilitiesGrp/EOYAmt074117535
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0NON-MEMBER ATM
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt08843
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt08843
IRS990/OtherRevenueTotalAmt08843
IRS990/OtherSalariesAndWagesGrp/TotalAmt0915084
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt038031968
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt054676352
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt091592
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt028436
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt050653
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt085347
IRS990/PrincipalOfficerNm0ROB VILAND
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02356935
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11103827
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02356935
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11103827
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 4,486 LOANS INCLUDING VEHICLE, RECREATIONAL VEHICLE, UNSECURED, CREDIT CARD, HOME EQUITY, AND MORTGAGE LOANS TOTALING $54,918,880.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, CHECK CASHING, MONEY ORDERS, WIRE TRANSFERS, BILL PAYERS, STUDENT SCHOLARSHIPS, OVERDRAFT PROTECTION/COURTESY PAY AND VARIOUS INSURANCE PROGRAMS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0502734
IRS990/PYOtherExpensesAmt02127177
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02451162
IRS990/PYRevenuesLessExpensesAmt0-340940
IRS990/PYSalariesCompEmpBnftPaidAmt01167659
IRS990/PYTotalExpensesAmt03294836
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02953896
IRS990/ReconcilationRevenueExpnssAmt0439482
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08699785
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09348304
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01066844
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08047505
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02289126
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0922078
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03211204
IRS990ScheduleD/EquipmentGrp/BookValueAmt0379593
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0181065
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0560658
IRS990ScheduleD/ExpensesNotReportedAmt0128186
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03441617
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0726194
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0726194
IRS990ScheduleD/OtherExpensesIncludedAmt0128186
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt074117535
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES AND SAVINGS ACCOUNTS
IRS990ScheduleD/OtherRevenueAmt0128186
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt05990905
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt13084494
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt22532835
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3992000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt4999000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0US GOV'T & FEDERAL AGENCY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MORTGAGE BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc2COLLATERALIZED MORTGAGE OBLIGATIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3NEGOTIABLE CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc4NON-NEGOTIABLE CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/RevenueNotReportedAmt0128186
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt03881099
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS AMOUNTS IN ESCROW ACCOUNTS FOR REAL ESTATE TAXES AND HOME INSURANCE RELATED TO HOME MORTGAGE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1INCOME TAXES THE CREDIT UNION IS EXEMPT, BY STATUTE (IRC SECTION 501(C)14), FROM FEDERAL AND STATE INCOME TAXES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2LOSS ON OREO 4,692. LOSS ON INVESTMENTS 78,483. LOSS ON SALE OF FIXED ASSETS 45,011.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3LOSS ON OREO 4,692. LOSS ON INVESTMENTS 78,483. LOSS ON SALE OF FIXED ASSETS 45,011.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc3PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03394913
IRS990ScheduleD/TotalBookValueSecuritiesAmt013599234
IRS990ScheduleD/TotalExpensesPerForm990Amt03441617
IRS990ScheduleD/TotalLiabilityAmt074117535
IRS990ScheduleD/TotalRevenuePerForm990Amt03881099
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04009285
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03569803
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHT 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. THIS IS INCLUDED IN THE EMPLOYEE HANDBOOK. SUCH WRITTEN DISCLOSURES SHALL BE SUBMITTED TO THE COMPLIANCE OFFICER AND/OR HR 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. PERFORMANCE REVIEWS ARE CONDUCTED ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY. GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6WE HAVE A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT. OUR PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.
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 XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt085213062
IRS990/TotalAssetsEOYAmt083855026
IRS990/TotalAssetsGrp/BOYAmt085213062
IRS990/TotalAssetsGrp/EOYAmt083855026
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt046
IRS990/TotalFunctionalExpensesGrp/TotalAmt03441617
IRS990/TotalGrossUBIAmt08843
IRS990/TotalLiabilitiesBOYAmt076513277
IRS990/TotalLiabilitiesEOYAmt074506722
IRS990/TotalLiabilitiesGrp/BOYAmt076513277
IRS990/TotalLiabilitiesGrp/EOYAmt074506722
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08699785
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt09348304
IRS990/TotalOtherCompensationAmt04680
IRS990/TotalProgramServiceRevenueAmt03460762
IRS990/TotalReportableCompFromOrgAmt087923
IRS990/TotalRevenueGrp/ExclusionAmt0411494
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03460762
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03881099
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt08843
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt085213062
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt083855026
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0240 CLIFF STREET
IRS990/USAddress/CityNm0BATTLE CREEK
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd049014
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.POSTCOMMUNITYCU.COM

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$83,855,026
Liabilities
$74,506,722
Net assets
$9,348,304
Revenue
$3,881,099
Expenses
$3,441,617
Net income
$439,482
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