Civic Intelligence

Post Community Credit Union

990 • Fiscal year 2016 • EIN 38-1222565

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 15, 2017

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

39th percentile

0.88x

Higher debt load relative to assets than 39% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

23rd percentile

14.72x

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

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

43rd percentile

7.0%

Higher net margin than 43% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

32nd percentile

$118,820

Higher top officer pay than 32% of similar nonprofits.

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

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

36th percentile

2.6%

Faster asset growth than 36% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

80th percentile

9.2%

Faster revenue growth than 80% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets39th percentile

Assets

Up

$84,537,682

Up $2,132,085 (+2.6%) from 2015

Net Assets

Up

$10,133,510

Up $351,337 (+3.6%) from 2015

Liabilities

Up

$74,404,172

Up $1,780,748 (+2.5%) from 2015

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin43rd percentile

Revenue

Up

$5,055,186

Up $426,956 (+9.2%) from 2015

Expenses

Up

$4,703,849

Up $524,394 (+13%) from 2015

Net Income

Down

$351,337

Down $97,438 (-22%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth36th 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

2016

Assets$84,537,682
Liabilities$74,404,172
Net Assets$10,133,510
Open 2016 Filing

Operations Trend

Revenue Growth80th 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

2016

Revenue$5,055,186
Expenses$4,703,849
Net Income$351,337
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 15, 2017
Return Version
2016v3.0
Gross Receipts
$5,055,186
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 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$62,273,499$68,093,454▲ $5,819,955
Rtn Earn Endowment Incm Other Fnds$9,782,173$10,133,510▲ $351,337
Savings and Temporary Cash Investments$3,419,628$6,062,265▲ $2,642,637
Land, Buildings, and Equipment, Net$3,581,770$3,268,133▼ $313,637
Investments Other Securities$7,207,000$2,879,000▼ $4,328,000
Cash and Non-Interest-Bearing Accounts$2,043,248$2,039,360▼ $3,888
Investments in Publicly Traded Securities$1,948,000--
Prepaid Expenses and Deferred Charges$105,038$108,711▲ $3,673
Accounts Receivable$191,976$66,470▼ $125,506
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$82,405,597$84,537,682▲ $2,132,085
Other Assets Total$1,635,438$2,020,289▲ $384,851
Liabilities
Other Liabilities$72,304,746$73,944,347▲ $1,639,601
Accounts Payable and Accrued Expenses$177,678$305,008▲ $127,330
Escrow Account Liability$141,000$154,817▲ $13,817
Total Liabilities$72,623,424$74,404,172▲ $1,780,748
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,782,173$10,133,510▲ $351,337
Total Liabilities and Net Assets / Fund Balance$82,405,597$84,537,682▲ $2,132,085

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,094,851$1,133,866$3,228,717
Equipment$337,395$449,009$786,404
Land$726,194-$726,194
Leasehold Improvements$109,693$90,399$200,092
Compensation and Service Providers
Top Officer Pay32nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Donald R VilandChief Executive OfficerFT$114,250$4,570$118,820
Steven AndersonCFOFT$60,769$2,431$63,200

Board Members and Trustees

NameTitle
Robert FosterBoard Chair
Jerry HolmerVice-chairman
Christine AyresDirector
Danny SmithDirector
Kelly JohnsonDirector
RANDY O'NEILDirector
Roxanne CaslerDirector
Scott ClevelandSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu AnswersData Processing6000 28TH STREET SE 100, Grand Rapids, MI 49546$224,878
Co-op Financial ServicesAtm Processing9692 HAVEN AVE, Rancho Cucamunga, CA 91730$179,413
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,924,624
Investment Income
$117,900
Other Revenue
$12,662
Change in Net Assets
$351,337

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,055,186
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$5,055,186
Total Revenue per Form 990
$5,055,186
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,735,053
Salaries, Compensation, and Employee Benefits$1,968,796
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,362,126
Office Expenses---$466,799
Occupancy---$398,924
Depreciation Depletion---$329,690
Information Technology---$227,237
Other Employee Benefits---$221,757
Interest---$219,956
Current Officers, Directors, Trustees, and Key Employees---$182,020
Payroll Taxes---$153,459
All Other Expenses---$116,644
Advertising---$100,323
Other Expenses---$90,182
Pension Plan Contributions---$49,434
Travel---$37,718
Fees for Services Accounting---$36,310
Insurance---$31,275
Fees for Services Management---$9,326
Fees for Services Other---$8,108
Fees for Services Legal---$7,767
Payments to Affiliates---$6,277
Total Functional Expenses$0$0$0$4,703,849

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,703,849
Total Expenses per Audited Statements$4,703,849
Total Expenses per Form 990$4,703,849
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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$73,944,347
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“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 A, Line 7B

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11B

“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 15

“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
Donald R Viland
Title
CEO
Phone
2694414471
Signed
2017-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Donald R Viland
Formed
1936
Legal Domicile
Mi
Voting Board Members
8
Independent Board Members
8
Employees
38
Volunteers
8

Preparer

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

Additional Explanations

Form 990, Part IX, Line 24E

“Debit/credit expenses 84,707. Training/development/education 31,937.”

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:

“The credit union is exempt, by statute, from federal income taxes on income related to the exempt purpose of the credit union. The credit union is a state-chartered credit union described in internal revenue code ("irc") ection 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. Many states have similar laws. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been an issue for many years. In 2007, the internal revenue service ("irs") issued a series of technical advice memoranda ("tam") to a number of state-chartered credit unions located throughout the country. In these tams, the irs ruled certain products and services to be subject to taxation as unrelated business income. In light of the tams, the credit union has assessed its activities and any potential federal or state income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purpose is not expected to have a material effect on the credit union's financial position or results of operations. The credit union's income tax filings are subject to audit by various taxing authorities and open tax periods are 2013 - 2016.”

Raw XML AppendixShowing 400 of 418 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/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE QUALITY SERVICE WHILE MAKING A DIFFERENCE AND ADDING VALUE TO OUR MEMBERS, TEAM AND COMMUNITIES WE SERVE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt09782173
IRS990/NetAssetsOrFundBalancesEOYAmt010133510
IRS990/NetUnrelatedBusTxblIncmAmt0-2428
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0398924
IRS990/OfficeExpensesGrp/TotalAmt0466799
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01635438
IRS990/OtherAssetsTotalGrp/EOYAmt02020289
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0221757
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2ATM EXPENSES
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS EXPENSES
IRS990/OtherExpensesGrp/TotalAmt0231044
IRS990/OtherExpensesGrp/TotalAmt1215939
IRS990/OtherExpensesGrp/TotalAmt2201534
IRS990/OtherExpensesGrp/TotalAmt390182
IRS990/OtherLiabilitiesGrp/BOYAmt072304746
IRS990/OtherLiabilitiesGrp/EOYAmt073944347
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0NON-MEMBER ATM
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt012662
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt012662
IRS990/OtherRevenueTotalAmt012662
IRS990/OtherSalariesAndWagesGrp/TotalAmt01362126
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt062273499
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt068093454
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt06277
IRS990/PayrollTaxesGrp/TotalAmt0153459
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt049434
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0105038
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0108711
IRS990/PrincipalOfficerNm0DONALD R VILAND
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03216316
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11708308
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03216316
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11708308
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 3,673 LOANS INCLUDING VEHICLE, RECREATIONAL VEHICLE, UNSECURED, CREDIT CARD, HOME EQUITY, AND MORTGAGE LOANS TOTALING $68,570,817.
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/PYInvestmentIncomeAmt0348037
IRS990/PYOtherExpensesAmt02475747
IRS990/PYOtherRevenueAmt012120
IRS990/PYProgramServiceRevenueAmt04268073
IRS990/PYRevenuesLessExpensesAmt0448775
IRS990/PYSalariesCompEmpBnftPaidAmt01703708
IRS990/PYTotalExpensesAmt04179455
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04628230
IRS990/ReconcilationRevenueExpnssAmt0351337
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09782173
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010133510
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03419628
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06062265
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02094851
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01133866
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03228717
IRS990ScheduleD/EquipmentGrp/BookValueAmt0337395
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0449009
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0786404
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt04703849
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0726194
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0726194
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0109693
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt090399
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0200092
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt073944347
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES AND SAVINGS ACCOUNTS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt05055186
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 INCOME TAXES ON INCOME RELATED TO THE EXEMPT PURPOSE OF THE CREDIT UNION. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE ("IRC") ECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AN ISSUE FOR MANY YEARS. IN 2007, THE INTERNAL REVENUE SERVICE ("IRS") ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION'S INCOME TAX FILINGS ARE SUBJECT TO AUDIT BY VARIOUS TAXING AUTHORITIES AND OPEN TAX PERIODS ARE 2013 - 2016.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03268133
IRS990ScheduleD/TotalExpensesPerForm990Amt04703849
IRS990ScheduleD/TotalLiabilityAmt073944347
IRS990ScheduleD/TotalRevenuePerForm990Amt05055186
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt05055186
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt04703849
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/ExplanationTxt2MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A 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/ExplanationTxt4THE 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/ExplanationTxt5THE 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/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY. GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DEBIT/CREDIT EXPENSES 84,707. TRAINING/DEVELOPMENT/EDUCATION 31,937.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8WE 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 A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 24E
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt082405597
IRS990/TotalAssetsEOYAmt084537682
IRS990/TotalAssetsGrp/BOYAmt082405597
IRS990/TotalAssetsGrp/EOYAmt084537682
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt038
IRS990/TotalFunctionalExpensesGrp/TotalAmt04703849
IRS990/TotalGrossUBIAmt012662
IRS990/TotalLiabilitiesBOYAmt072623424
IRS990/TotalLiabilitiesEOYAmt074404172
IRS990/TotalLiabilitiesGrp/BOYAmt072623424
IRS990/TotalLiabilitiesGrp/EOYAmt074404172
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt09782173
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt010133510
IRS990/TotalOtherCompensationAmt07001
IRS990/TotalProgramServiceRevenueAmt04924624
IRS990/TotalReportableCompFromOrgAmt0175019
IRS990/TotalRevenueGrp/ExclusionAmt0117900
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04924624
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05055186
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt012662
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt082405597
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt084537682
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt037718
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0240 CLIFF STREET
IRS990/USAddress/CityNm0BATTLE CREEK
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd049014
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.POSTCOMMUNITYCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DONALD R VILAND
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02694414471
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0POST COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0POST
ReturnHeader/Filer/EIN0381222565
ReturnHeader/Filer/PhoneNum02699663900
ReturnHeader/Filer/USAddress/AddressLine1Txt0240 CLIFF STREET
ReturnHeader/Filer/USAddress/CityNm0BATTLE CREEK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049014
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0062293E64DF58CF8D35332F263D6456F83B37FCF
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0062293E64DF58CF8D35332F263D6456F83B37FCF

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$84,537,682
Liabilities
$74,404,172
Net assets
$10,133,510
Revenue
$5,055,186
Expenses
$4,703,849
Net income
$351,337
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2016 filings • 501(c)14 • $50M-$100M nonprofits