Civic Intelligence

Sagelink Credit Union

EIN 38-1246873 • 501(c)14 • Durand, MI

Profile

We are committed exceptional personalized experiences and innovative technologies.

311 N Saginaw StreetDurand, MI 48429

sagelinkcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

44th percentile

0.89x

Higher debt load relative to assets than 44% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

86th percentile

21.45x

Higher debt load relative to revenue than 86% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

65th percentile

16%

Higher net margin than 65% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

77th percentile

6.2%

Faster asset growth than 77% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

30th percentile

11%

Faster revenue growth than 30% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Assets

Down

$0

Down $200,025,697 (-100%) from 2017

Liabilities

Down

$0

Down $177,263,277 (-100%) from 2017

Net Assets

Down

$0

Down $22,762,420 (-100%) from 2017

Revenue

Down

$4,804,105

Down $4,000,902 (-45%) from 2017

Expenses

Down

$4,475,361

Down $2,955,835 (-40%) from 2017

Net Income

Down

$328,744

Down $1,045,067 (-76%) from 2017

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$300M$200M$100M$0Assets 2010: $145,763,110Liabilities 2010: $127,204,503Net Assets 2010: $18,558,6072010Assets 2011: $167,200,842Liabilities 2011: $147,600,882Net Assets 2011: $19,599,9602011Assets 2012: $167,527,708Liabilities 2012: $148,340,610Net Assets 2012: $19,187,0982012Assets 2013: $169,264,671Liabilities 2013: $150,320,848Net Assets 2013: $18,943,8232013Assets 2014: $169,312,069Liabilities 2014: $149,812,404Net Assets 2014: $19,499,6652014Assets 2015: $179,704,222Liabilities 2015: $159,450,269Net Assets 2015: $20,253,9532015Assets 2016: $190,927,709Liabilities 2016: $169,403,233Net Assets 2016: $21,524,4762016Assets 2017: $200,025,697Liabilities 2017: $177,263,277Net Assets 2017: $22,762,4202017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2018

Assets$0
Liabilities$0
Net Assets$0

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$10M$5.0M$0Expenses 2010: $6,239,0582010Expenses 2011: $5,611,4732011Expenses 2012: $6,315,4622012Revenue 2013: $6,227,650Expenses 2013: $6,025,804Net Income 2013: $201,8462013Revenue 2014: $6,685,331Expenses 2014: $6,402,362Net Income 2014: $282,9692014Revenue 2015: $7,145,696Expenses 2015: $6,292,625Net Income 2015: $853,0712015Revenue 2016: $7,896,105Expenses 2016: $6,630,184Net Income 2016: $1,265,9212016Revenue 2017: $8,805,007Expenses 2017: $7,431,196Net Income 2017: $1,373,8112017Revenue 2018: $4,804,105Expenses 2018: $4,475,361Net Income 2018: $328,7442018

Highlighted filing

2018

Revenue$4,804,105
Expenses$4,475,361
Net Income$328,744

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Jun 30, 2018
Signed
May 13, 2019
Return Version
2018v3.1
Gross Receipts
$4,804,105
Mission and Program Overview

Mission

We are committed to exceptional personalized experiences and innovative technologies.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$76,102,957$0▼ $76,102,957
Savings and Temporary Cash Investments$72,069,798$0▼ $72,069,798
Investments Other Securities$39,044,146$0▼ $39,044,146
Rtn Earn Endowment Incm Other Fnds$22,762,420$0▼ $22,762,420
Land, Buildings, and Equipment, Net$6,881,390$0▼ $6,881,390
Cash and Non-Interest-Bearing Accounts$4,174,955$0▼ $4,174,955
Prepaid Expenses and Deferred Charges$287,530$0▼ $287,530
Accounts Receivable$35,369$0▼ $35,369
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$200,025,697$0▼ $200,025,697
Other Assets Total$1,429,552$0▼ $1,429,552
Liabilities
Other Liabilities$174,637,659--
Accounts Payable and Accrued Expenses$2,625,618--
Total Liabilities$177,263,277$0▼ $177,263,277
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,762,420$0▼ $22,762,420
Total Liabilities and Net Assets / Fund Balance$200,025,697$0▼ $200,025,697
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Anna WilsonCEOFT$85,962$2,885$88,847

Board Members and Trustees

NameTitle
Brad McfaulChairman of the Board
Raymond VanheckeV.chairman of the Board
Charlie SchaufeleBoard Member
Frank MasonBoard Member
Virgil BuddSecretary of the Board
Chad BurkeTreasurer of the Board
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,783,553
Investment Income
$1,020,552
Other Revenue
$0
Change in Net Assets
$328,744
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,622,107
Salaries, Compensation, and Employee Benefits$1,853,254
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,354,291
Occupancy---$357,410
Advertising---$232,670
Other Employee Benefits---$186,890
Information Technology---$160,050
Payroll Taxes---$142,563
Interest---$121,672
Office Expenses---$99,321
Current Officers, Directors, Trustees, and Key Employees---$88,847
Pension Plan Contributions---$80,663
Depreciation Depletion---$41,617
Insurance---$28,199
Fees for Services Accounting---$23,117
Fees for Service Investment Mgmnt Fees---$15,902
Other Expenses---$14,738
Fees for Services Legal---$11,415
Travel---$10,622
Conferences and Meetings---$10,000
Total Functional Expenses$0$0$0$4,475,361
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
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 4

Sagelink credit union merged with pfcu effective 7/1/2018.

Form 990, Part VI, Section A, Line 5

Effective 7/1/2018 sagelink credit union merged its assets into pfcu.

Form 990, Part VI, Section A, Line 6

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

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

Sagelink credit union has members which are entitled to vote.

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

Certain decisions require membership approval (e.g., mergers). During april 2018, the membership of sagelink credit union voted in favor of the merger with pfcu.

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

Form 990 is completed by an independent accounting firm and then reviewed by the vp of accounting and finance or the ceo.

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

Sagelink credit union requires all of the governing body to report any conflict of intrest to the board and must abstain from any vote or action on the issue.

Form 990, Part VI, Section B, Line 15

The compensation for the ceo is determined by the board of directors based on competitive pay.

Form 990, Part VI, Section C, Line 19

Sagelink credit unions governing documents, conflict of interest policy and financial statements are available upon request. The financial statements are posted in the lobby of sagelink credit unions main office.

Filing and Contact Details

Filer

Filer Name
Sagelink Credit Union
EIN
38-1246873
Phone
9895412001
Address
311 N SAGINAW STREET, DURAND, MI 48429

Signing Officer

Name
Jana Dowd
Title
Vice President of Accounting
Phone
9895412001
Signed
2019-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Anna Wilson
Formed
1936
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
6
Employees
75
Volunteers
6

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 III, Line 3

The credit union mergered with pfcu effective july 1, 2018. Credit union deposit and lending services for the former members of sagelink credit union will continue under pfcu.

FORM 990, PART XI, LINE 9:

Effective july 1st of 2018 sagelink credit union merged into pfcu -22,595,076.

Raw XML AppendixShowing 400 of 441 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/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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IRS990/ProgSrvcAccomActy3Grp/Desc0EFFECTIVE JULY 1, 2018, SAGELINK CREDIT UNION MERGED INTO (PFCU). PRIOR TO THE MERGER, THE CREDIT UNION OFFERED AUTOMATED TELLER MACHINES, ITM MACHINES, AND VARIOUS INSURANCE PROGRAMS.
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IRS990/ScheduleJRequiredInd00
IRS990ScheduleN/AssetsDistributedInd01
IRS990ScheduleN/AttorneyGeneralNotifiedInd01
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessorInd01
IRS990ScheduleN/EmployeeOfSuccessorInd01
IRS990ScheduleN/LiabilitiesPaidInd01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0CASH AND CASH EQUIVALENTS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc1INVESTMENTS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc2DEPOSIT IN NCUSIF
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc3LOANS RECEIVABLE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc4LAND, BUILDING, FURNITURE & EQUIPMENT
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc5OTHER ASSETS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0PFCU
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt1PFCU
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt2PFCU
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt3PFCU
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt4PFCU
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt5PFCU
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02018-07-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt12018-07-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt22018-07-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt32018-07-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt42018-07-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt52018-07-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0381379433
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN1381379433
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN2381379433
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN3381379433
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN4381379433
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN5381379433
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt033788398
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt190380490
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt21712120
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt373877239
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt46611798
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt52156998
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt1501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt2501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt3501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt4501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt5501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0INDEPENDENT VALUATION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt1INDEPENDENT VALUATION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt2INDEPENDENT VALUATION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt3INDEPENDENT VALUATION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt4INDEPENDENT VALUATION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt5INDEPENDENT VALUATION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt09077 CHARLOTTE HWY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt19077 CHARLOTTE HWY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt29077 CHARLOTTE HWY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt39077 CHARLOTTE HWY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt49077 CHARLOTTE HWY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt59077 CHARLOTTE HWY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0PORTLAND
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm1PORTLAND
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm2PORTLAND
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm3PORTLAND
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm4PORTLAND
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm5PORTLAND
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0MI
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd1MI
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd2MI
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd3MI
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd4MI
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd5MI
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd048875
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd148875
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd248875
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd348875
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd448875
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd548875
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd01
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0EXPLANATION OF INVOLVEMENT: THE BOARD OF DIRECTORS FROM SAGELINK TRANSFERRED TO THE BOARD OF DIRECTORS OF PFCU AS OF JULY 1, 2018.-VIRGIL BUDD-FRANK MASON-BRAD MCFAUL-CHARLIE SCHAUFELE-RAY VANHECKE-CHAD BURKEANNA WILLSON BECAME THE VP OF PROJECT MANAGEMENT FOR PFCU.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2E:
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION MERGERED WITH PFCU EFFECTIVE JULY 1, 2018. CREDIT UNION DEPOSIT AND LENDING SERVICES FOR THE FORMER MEMBERS OF SAGELINK CREDIT UNION WILL CONTINUE UNDER PFCU.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SAGELINK CREDIT UNION MERGED WITH PFCU EFFECTIVE 7/1/2018.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EFFECTIVE 7/1/2018 SAGELINK CREDIT UNION MERGED ITS ASSETS INTO PFCU.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SAGELINK CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE, AND VOTING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SAGELINK CREDIT UNION HAS MEMBERS WHICH ARE ENTITLED TO VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CERTAIN DECISIONS REQUIRE MEMBERSHIP APPROVAL (E.G., MERGERS). DURING APRIL 2018, THE MEMBERSHIP OF SAGELINK CREDIT UNION VOTED IN FAVOR OF THE MERGER WITH PFCU.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FORM 990 IS COMPLETED BY AN INDEPENDENT ACCOUNTING FIRM AND THEN REVIEWED BY THE VP OF ACCOUNTING AND FINANCE OR THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7SAGELINK CREDIT UNION REQUIRES ALL OF THE GOVERNING BODY TO REPORT ANY CONFLICT OF INTREST TO THE BOARD AND MUST ABSTAIN FROM ANY VOTE OR ACTION ON THE ISSUE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE COMPENSATION FOR THE CEO IS DETERMINED BY THE BOARD OF DIRECTORS BASED ON COMPETITIVE PAY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9SAGELINK CREDIT UNIONS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. THE FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF SAGELINK CREDIT UNIONS MAIN OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10EFFECTIVE JULY 1ST OF 2018 SAGELINK CREDIT UNION MERGED INTO PFCU -22,595,076.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART III, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 5
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd01
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt0200025697
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt0200025697
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt075
IRS990/TotalFunctionalExpensesGrp/TotalAmt04475361
IRS990/TotalGrossUBIAmt013270
IRS990/TotalLiabilitiesBOYAmt0177263277
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt0177263277
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt022762420
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt02885
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt084214
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt084214
IRS990/TotalProgramServiceRevenueAmt03783553
IRS990/TotalReportableCompFromOrgAmt085962
IRS990/TotalRevenueGrp/ExclusionAmt01020552
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03770283
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04804105
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt013270
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0200025697
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt010622
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0311 N SAGINAW STREET

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