Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2016 • EIN 38-1231023

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 13, 2017

Organization ProfileWWW.HONORCU.COM

View Organization Page

8385 Edgewood DriveBerrien Springs, MI 49103

(269) 983-6357

Siviq Scores

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

Liabilities / Assets

46th percentile

0.89x

Higher debt load relative to assets than 46% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

20th percentile

14.73x

Higher debt load relative to revenue than 20% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

49th percentile

13%

Higher net margin than 49% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

85th percentile

$632,633

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

61st percentile

7.2%

Faster asset growth than 61% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

93rd percentile

18%

Faster revenue growth than 93% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets46th percentile

Assets

Up

$712,966,023

Up $48,183,699 (+7.2%) from 2015

Net Assets

Up

$76,295,476

Up $5,280,719 (+7.4%) from 2015

Liabilities

Up

$636,670,547

Up $42,902,980 (+7.2%) from 2015

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin49th percentile

Revenue

Up

$43,216,020

Up $6,646,005 (+18%) from 2015

Expenses

Up

$37,658,842

Up $7,790,594 (+26%) from 2015

Net Income

Down

$5,557,178

Down $1,144,589 (-17%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth61st percentile

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

$2.0B$1.5B$1.0B$500M$0Assets 2011: $321,006,734Liabilities 2011: $282,618,007Net Assets 2011: $38,388,7272011Assets 2012: $432,710,416Liabilities 2012: $385,547,269Net Assets 2012: $47,163,1472012Assets 2013: $472,518,124Liabilities 2013: $422,073,504Net Assets 2013: $50,444,6202013Assets 2014: $598,991,686Liabilities 2014: $534,523,673Net Assets 2014: $64,468,0132014Assets 2015: $664,782,324Liabilities 2015: $593,767,567Net Assets 2015: $71,014,7572015Assets 2016: $712,966,023Liabilities 2016: $636,670,547Net Assets 2016: $76,295,4762016Assets 2017: $852,520,992Liabilities 2017: $757,330,790Net Assets 2017: $95,190,2022017Assets 2018: $934,030,474Liabilities 2018: $828,770,549Net Assets 2018: $105,259,9252018Assets 2019: $1,009,278,982Liabilities 2019: $890,810,067Net Assets 2019: $118,468,9152019Assets 2020: $1,214,960,101Liabilities 2020: $1,079,988,759Net Assets 2020: $134,971,3422020Assets 2021: $1,437,451,566Liabilities 2021: $1,285,589,145Net Assets 2021: $151,862,4212021Assets 2022: $1,585,559,927Liabilities 2022: $1,442,962,820Net Assets 2022: $142,597,1072022Assets 2023: $1,701,973,478Liabilities 2023: $1,537,891,407Net Assets 2023: $164,082,0712023Assets 2024: $1,705,014,823Liabilities 2024: $1,519,352,936Net Assets 2024: $185,661,8872024

Highlighted filing

2016

Assets$712,966,023
Liabilities$636,670,547
Net Assets$76,295,476
Open 2016 Filing

Operations Trend

Revenue Growth93rd percentile

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

$150M$100M$50M$0Expenses 2011: $14,215,2272011Expenses 2012: $18,688,1012012Revenue 2013: $25,258,836Expenses 2013: $20,157,913Net Income 2013: $5,100,9232013Revenue 2014: $30,476,651Expenses 2014: $24,620,104Net Income 2014: $5,856,5472014Revenue 2015: $36,570,015Expenses 2015: $29,868,248Net Income 2015: $6,701,7672015Revenue 2016: $43,216,020Expenses 2016: $37,658,842Net Income 2016: $5,557,1782016Revenue 2017: $49,336,526Expenses 2017: $40,922,549Net Income 2017: $8,413,9772017Revenue 2018: $60,329,871Expenses 2018: $49,616,444Net Income 2018: $10,713,4272018Revenue 2019: $69,079,578Expenses 2019: $57,783,763Net Income 2019: $11,295,8152019Revenue 2020: $75,345,313Expenses 2020: $61,331,077Net Income 2020: $14,014,2362020Revenue 2021: $81,953,482Expenses 2021: $60,781,210Net Income 2021: $21,172,2722021Revenue 2022: $90,533,570Expenses 2022: $71,155,529Net Income 2022: $19,378,0412022Revenue 2023: $113,682,685Expenses 2023: $94,196,589Net Income 2023: $19,486,0962023Revenue 2024: $127,936,925Expenses 2024: $111,515,012Net Income 2024: $16,421,9132024

Highlighted filing

2016

Revenue$43,216,020
Expenses$37,658,842
Net Income$5,557,178
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 13, 2017
Return Version
2016v3.0
Gross Receipts
$75,753,078
Mission and Program Overview

Mission

Providing solutions for financial success.

To provide financial services to residents of the state of michigan.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$491,673,220$557,356,723▲ $65,683,503
Investments Other Securities$97,965,990$77,969,367▼ $19,996,623
Rtn Earn Endowment Incm Other Fnds$71,014,757$76,295,476▲ $5,280,719
Land, Buildings, and Equipment, Net$25,266,006$29,980,963▲ $4,714,957
Savings and Temporary Cash Investments$26,574,700$23,661,908▼ $2,912,792
Cash and Non-Interest-Bearing Accounts$8,468,435$7,633,549▼ $834,886
Prepaid Expenses and Deferred Charges$653,526$880,404▲ $226,878
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$664,782,324$712,966,023▲ $48,183,699
Other Assets Total$14,180,447$15,483,109▲ $1,302,662
Liabilities
Other Liabilities$549,810,258$586,375,607▲ $36,565,349
Mortgage Notes Payable Secured by Investment Property$39,900,000$45,394,000▲ $5,494,000
Accounts Payable and Accrued Expenses$3,212,921$3,991,778▲ $778,857
Escrow Account Liability$844,388$909,162▲ $64,774
Total Liabilities$593,767,567$636,670,547▲ $42,902,980
Net Assets / Fund Balance
Total Net Assets Fund Balance$71,014,757$76,295,476▲ $5,280,719
Total Liabilities and Net Assets / Fund Balance$664,782,324$712,966,023▲ $48,183,699

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$19,972,443$3,464,752$23,437,195
Equipment$4,233,524$5,711,361$9,944,885
Land$5,060,215-$5,060,215
Other Land Buildings$714,781-$714,781
Other Securities$3,507,927--
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Scott McfarlandCEOFT$375,000$257,633$632,633
Shari WeberCFOFT$210,839$143,701$354,540
Mary UnruhVice President of Accounting and Operation EfficFT$162,582$23,164$185,746
Mary UnruhVice President of Accounting and Ope-$137,061$48,685$185,746
Ron LaurenPresident, Northern MarketFT$128,011$47,215$175,226
Kent FigyVice President of Member ServiceFT$111,058$59,204$170,262
Thomas KempfVice President of LendingFT$120,228$49,919$170,147
Patrick SwemBusiness Development OfficerFT$50,000$116,674$166,674

Board Members and Trustees

NameTitle
Larry OlsonBoard Chairman
Brian BrownBoard Vice-chairman
Gil GuzmanDirector
Richard AtwellDirector
Ronald GriesingerDirector
Mimi ElwellSecretary
Mark FryTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Vantiv Holding LLCCredit Card Processing & Payment Service8500 GOVERNORS HILL DR, Symmes Township, OH 45249$1,880,340
Secant Technologies INCTechnology Services6395 TECHNOLOGY AVE STE A, Kalamazoo, MI 49009$1,722,177
Ec Moore Of Berrien CountyConstruction117 W FERRY, Berrien Springs, MI 49103$1,553,719
Cu AnswersData Processing6000 28TH ST SE, Grand Rapids, MI 49546$1,527,816
Salus GroupEmployee Benefits Consulting38221 MOUND RD BLDG G, Sterling Heights, MI 48310$1,293,775
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$41,605,926
Investment Income
$1,572,557
Other Revenue
$37,537
Change in Net Assets
$5,557,178

Audited Revenue Reconciliation

Revenue per Audited Statements
$43,235,554
Revenue Not Reported on Financial Statements
$-19,534
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-19,534
Total Revenue per Audited Statements
$43,235,554
Total Revenue per Form 990
$43,216,020
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$20,256,294
Salaries, Compensation, and Employee Benefits$17,402,548
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$11,142,378
Other Employee Benefits---$3,133,794
Depreciation Depletion---$1,611,509
Occupancy---$1,373,502
Other Expenses---$1,366,288
Information Technology---$1,344,116
Advertising---$1,314,636
All Other Expenses---$1,252,105
Office Expenses---$1,249,773
Payroll Taxes---$1,098,660
Pension Plan Contributions---$1,040,543
Current Officers, Directors, Trustees, and Key Employees---$987,173
Interest---$781,117
Insurance---$322,979
Fees for Services Other---$229,629
Travel---$211,700
Conferences and Meetings---$174,608
Fees for Service Investment Mgmnt Fees---$76,369
Fees for Services Accounting---$74,333
Fees for Services Legal---$64,051
Total Functional Expenses$0$0$0$37,658,842

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$37,678,376
Expenses per Audited Statements$37,658,842
Total Expenses per Form 990$37,658,842
Expenses Not Reported on Form 990$19,534
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$586,375,607
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 currently has approximately 64,000 members.”

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

“The members of the credit union are responsible for electing the board of directors.”

Form 990, Part VI, Section A, line 7B

“The members of the credit union must approve a merger into another credit union. All other decisions are made by the board of directors.”

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

“Before the 990 was filed, an electronic copy of the draft was sent to the board of directors and vp of finance, via email, for their review. All of the board members were given the opportunity to contact the credit union's management with any questions or concerns they had regarding the form 990 return.”

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

“Audit link is a service we use to monitor all employee and board member accounts. Accounts are monitored weekly by audit link and a report is sent to human resources with the findings, human resources does a review of accounts and investigates if needed. Compliance with the conflict of interest policy is monitored through discussions at the board level. If a conflict arises the affected board member will abstain from voting.”

Form 990, Part VI, Section B, line 15

“The Board of Directors is aware of the use of the Comp Ease software for assisting with compensation for all employees. Compensation for the CEO, other officers, and key employees is approved by both Human Resources and the CEO or the Board of Directors. THIS PROCESS WAS LAST COMPLETED DURING 2016.”

Form 990, Part VI, Section C, line 19

“Governing documents and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Honor Credit Union
EIN
38-1231023
Phone
2699836357
Address
8385 Edgewood Drive, Berrien Springs, MI 49103

Signing Officer

Name
scott mcfarland
Title
CFO
Phone
2699836357
Signed
2017-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Scott Mcfarland
Formed
1934
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
333
Volunteers
7

Preparer

Firm
Plante & Moran Pllc
Address
511 RENAISSANCE DRIVE SUITE 120, ST JOSEPH, MI 49085
Preparer
kenley penner cpa
Phone
2699828000
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The board of directors has established the supervisory committee which is responsible for the oversight of the audit review and the selection of an independent auditor. The supervisory committee approves an independent auditor each year and meets to review the independent auditor's report after the audit is complete. The 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 $1,687,000 and $2,700,000 of receivables from current officers, directors, trustees, key employees, and highest compensated employees for 2016 and 2015, 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 may be 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, 2016 and 2015, 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.”

Part XI, Line 4B - Other Adjustments:

“Gain on sale of foreclosed assets 2,431. Loss on sale of foreclosed assets -21,965.”

Part XII, Line 2D - Other Adjustments:

“Gain on sale of foreclosed assets -2,431. Loss on sale of foreclosed assets 21,965.”

Raw XML AppendixShowing 400 of 635 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/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt8114799
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt915746
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1023164
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1116383
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1225247
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1324512
IRS990/Form990PartVIISectionAGrp/PersonNm0LARRY OLSON
IRS990/Form990PartVIISectionAGrp/PersonNm1BRIAN BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm2MIMI ELWELL
IRS990/Form990PartVIISectionAGrp/PersonNm3MARK FRY
IRS990/Form990PartVIISectionAGrp/PersonNm4RICHARD ATWELL
IRS990/Form990PartVIISectionAGrp/PersonNm5RONALD GRIESINGER
IRS990/Form990PartVIISectionAGrp/PersonNm6GIL GUZMAN
IRS990/Form990PartVIISectionAGrp/PersonNm7SCOTT MCFARLAND
IRS990/Form990PartVIISectionAGrp/PersonNm8SHARI WEBER
IRS990/Form990PartVIISectionAGrp/PersonNm9THOMAS KEMPF
IRS990/Form990PartVIISectionAGrp/PersonNm10MARY UNRUH
IRS990/Form990PartVIISectionAGrp/PersonNm11RON LAUREN
IRS990/Form990PartVIISectionAGrp/PersonNm12PATRICK SWEM
IRS990/Form990PartVIISectionAGrp/PersonNm13KENT FIGY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8239741
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9154401
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10162582
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11158843
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12141427
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13145750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE-CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9VICE PRESIDENT OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE PRESIDENT OF ACCOUNTING AND OPERATION EFFIC
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT, NORTHERN MARKET
IRS990/Form990PartVIISectionAGrp/TitleTxt12BUSINESS DEVELOPMENT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE PRESIDENT OF MEMBER SERVICE
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01934
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IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-23052
IRS990/GainOrLossGrp/SecuritiesAmt020662
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt02021625
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt030513043
IRS990/GrossReceiptsAmt075753078
IRS990/GrossRentsGrp/RealAmt037537
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt09
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01344116
IRS990/InsuranceGrp/TotalAmt0322979
IRS990/InterestGrp/TotalAmt0781117
IRS990/InvestmentIncomeGrp/ExclusionAmt01574947
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01574947
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt097965990
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt077969367
IRS990/IRPDocumentCnt011367
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09176113
IRS990/LandBldgEquipBasisNetGrp/BOYAmt025266006
IRS990/LandBldgEquipBasisNetGrp/EOYAmt029980963
IRS990/LandBldgEquipCostOrOtherBssAmt039157076
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt02044677
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt030492381
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROVIDING SOLUTIONS FOR FINANCIAL SUCCESS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt039900000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt045394000
IRS990/NetAssetsOrFundBalancesBOYAmt071014757
IRS990/NetAssetsOrFundBalancesEOYAmt076295476
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-2390
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-2390
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt037537
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt037537
IRS990/NetUnrelatedBusTxblIncmAmt0-123575
IRS990/NetUnrlzdGainsLossesInvstAmt0-276459
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01373502
IRS990/OfficeExpensesGrp/TotalAmt01249773
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt014180447
IRS990/OtherAssetsTotalGrp/EOYAmt015483109
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt03133794
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1CREDIT AND DEBIT CARD F
IRS990/OtherExpensesGrp/Desc2INTEREST PAID ON MEMBER
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt03627536
IRS990/OtherExpensesGrp/TotalAmt12677604
IRS990/OtherExpensesGrp/TotalAmt22504439
IRS990/OtherExpensesGrp/TotalAmt31366288
IRS990/OtherLiabilitiesGrp/BOYAmt0549810258
IRS990/OtherLiabilitiesGrp/EOYAmt0586375607
IRS990/OtherSalariesAndWagesGrp/TotalAmt011142378
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0491673220
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0557356723
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01098660
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01040543
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0653526
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0880404
IRS990/PrincipalOfficerNm0SCOTT MCFARLAND
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest Income
IRS990/ProgramServiceRevenueGrp/Desc1Fees and Charges
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt025443211
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt115969835
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt025443211
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt116162715
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0192880
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0891183
IRS990/PYOtherExpensesAmt014894037
IRS990/PYOtherRevenueAmt043227
IRS990/PYProgramServiceRevenueAmt035635605
IRS990/PYRevenuesLessExpensesAmt06701767
IRS990/PYSalariesCompEmpBnftPaidAmt014974211
IRS990/PYTotalExpensesAmt029868248
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt036570015
IRS990/ReconcilationRevenueExpnssAmt05557178
IRS990/RegularMonitoringEnfrcInd01
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IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt037537
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt023661908
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt03464752
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt023437195
IRS990ScheduleD/EquipmentGrp/BookValueAmt04233524
IRS990ScheduleD/EquipmentGrp/DepreciationAmt05711361
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt09944885
IRS990ScheduleD/ExpensesNotReportedAmt019534
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt037658842
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IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt05060215
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt05060215
IRS990ScheduleD/OtherExpensesIncludedAmt019534
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0714781
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0714781
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0586375607
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Members' Shares and savings
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-19534
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt046821579
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt113163118
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt22923434
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt36393388
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt45159921
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt53507927
IRS990ScheduleD/OtherSecuritiesGrp/Desc0U.S. GOVERNMENT AND FEDERAL AGENCY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MORTGAGE-BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc2NEGOTIABLE CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc3STATE AND MUNICIPAL BONDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc4COLLATERALIZED MORTGAGE OBLIGATIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc5CORPORATE BONDS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5F
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-19534
IRS990ScheduleD/RevenueSubtotalAmt043235554

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$712,966,023
Liabilities
$636,670,547
Net assets
$76,295,476
Revenue
$43,216,020
Expenses
$37,658,842
Net income
$5,557,178
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,705$1,519$186$128$112$16.4
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,702$1,538$164$114$94.2$19.5
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,586$1,443$143$90.5$71.2$19.4
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,437$1,286$152$82.0$60.8$21.2
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,215$1,080$135$75.3$61.3$14.0
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,009$891$118$69.1$57.8$11.3
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$934$829$105$60.3$49.6$10.7
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$853$757$95.2$49.3$40.9$8.41
2016Detailed filing. Detailed filing data is available for this year.$713$637$76.3$43.2$37.7$5.56
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$665$594$71.0$36.6$29.9$6.70
2014Detailed filing. Detailed filing data is available for this year.$599$535$64.5$30.5$24.6$5.86
2013Detailed filing. Detailed filing data is available for this year.$473$422$50.4$25.3$20.2$5.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$433$386$47.2$18.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$321$283$38.4$14.2