Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2014 • EIN 38-1246873

Jan 01, 2014 to Dec 31, 2014 • Filed on May 14, 2015

Organization ProfileSagelinkcu.com

View Organization Page

311 N Saginaw StreetDurand, MI 48429

(989) 541-2001

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.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

81st percentile

22.41x

Higher debt load relative to revenue than 81% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

18th percentile

4.2%

Higher net margin than 18% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

8th percentile

$113,704

Higher top officer pay than 8% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

13th percentile

0.0%

Faster asset growth than 13% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

80th percentile

7.3%

Faster revenue growth than 80% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets39th percentile

Assets

Up

$169,312,069

Up $47,398 (+0.0%) from 2013

Net Assets

Up

$19,499,665

Up $555,842 (+2.9%) from 2013

Liabilities

Down

$149,812,404

Down $508,444 (-0.3%) from 2013

Revenue And Expenses
Liabilities / Revenue81st percentileNet Margin18th percentile

Revenue

Up

$6,685,331

Up $457,681 (+7.3%) from 2013

Expenses

Up

$6,402,362

Up $376,558 (+6.2%) from 2013

Net Income

Up

$282,969

Up $81,123 (+40%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth13th percentile

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

$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

2014

Assets$169,312,069
Liabilities$149,812,404
Net Assets$19,499,665
Open 2014 Filing

Operations Trend

Revenue Growth80th percentile

Revenue, expenses, and net income across loaded years, with this 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

2014

Revenue$6,685,331
Expenses$6,402,362
Net Income$282,969
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 14, 2015
Return Version
2014v5.0
Gross Receipts
$6,686,839
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$63,125,810$66,987,030▲ $3,861,220
Savings and Temporary Cash Investments$52,168,008$53,189,337▲ $1,021,329
Investments Other Securities$43,086,118$38,831,248▼ $4,254,870
Rtn Earn Endowment Incm Other Fnds$18,943,823$19,499,665▲ $555,842
Land, Buildings, and Equipment, Net$6,588,447$6,630,798▲ $42,351
Cash and Non-Interest-Bearing Accounts$3,148,674$2,890,619▼ $258,055
Prepaid Expenses and Deferred Charges$155,959$211,023▲ $55,064
Accounts Receivable$119,845$428▼ $119,417
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$169,264,671$169,312,069▲ $47,398
Other Assets Total$871,810$571,586▼ $300,224
Liabilities
Other Liabilities$145,145,389$148,355,264▲ $3,209,875
Accounts Payable and Accrued Expenses$5,175,459$1,457,140▼ $3,718,319
Total Liabilities$150,320,848$149,812,404▼ $508,444
Net Assets / Fund Balance
Total Net Assets Fund Balance$18,943,823$19,499,665▲ $555,842
Total Liabilities and Net Assets / Fund Balance$169,264,671$169,312,069▲ $47,398

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,221,745$2,324,032$0
Other Land Buildings$0$0$0
Land$662,060-$0
Equipment$746,993$1,735,258$0
Leasehold Improvements$0$0$0
Other Securities$10,699,950--
Compensation and Service Providers
Top Officer Pay8th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Anna WillsonPresident / CEOFT$113,704$113,704

Board Members and Trustees

NameTitle
Frank MasonChairman of the Board
Brad McFaulVice Chairman of the Board
Charlie BlainBoard Member
Charlie SchaufeleBoard Member
Clyde RobinsonBoard Member
Virgil BuddBoard Member
William MarchbanksBoard Member
Ray VanheckeSecretary of the Board
Chad BurkeTreasurer of the Board
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,389,706
Investment Income
$1,291,133
Other Revenue
$4,492
Change in Net Assets
$282,969
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$3,342,711
Other Expenses$3,059,651
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,594,450
Occupancy---$640,355
Other Employee Benefits---$351,193
Information Technology---$299,281
Advertising---$263,304
Payroll Taxes---$239,261
Office Expenses---$230,716
Interest---$191,733
Pension Plan Contributions---$157,807
Depreciation Depletion---$103,570
Fees for Services Legal---$92,763
Other Expenses---$54,050
Insurance---$52,619
Fees for Services Accounting---$41,540
Conferences and Meetings---$15,682
Fees for Service Investment Mgmnt Fees---$10,482
Travel---$8,158
Total Functional Expenses$0$0$0$6,402,362
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
Member Shares$148,355,264
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
Yes
Management duties delegated
No

Governance Explanations

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

“Credit Union decisions that require membership approval are mergers.”

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

“Form 990 is completed by the Asst VP of Finance and then reviewed by the VP of Accounting & Finance or the CEO.”

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

“Sagelink Credit Union required all of the governing body to report any conflict of interest 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 was 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
Michelle Sweatland
Title
Asst VP of Auditing & Finance
Phone
9895412001
Signed
2015-05-14

Organization Details

Principal Officer
Anna Willson
Formed
1936
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
90
Volunteers
9
Raw XML AppendixShowing 400 of 449 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/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/ExclusionAmt40
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03210019
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1686014
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2580883
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3233754
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4172735
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03210019
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1686014
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2580883
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3233754
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4172735
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt40
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide 10,579 Loans including Personal, Home Equity, Mortgage and Credit Card type loans.
IRS990/ProgSrvcAccomActy3Grp/Desc0Offer Automated Teller Machines and various insurance programs.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01173246
IRS990/PYOtherExpensesAmt02551890
IRS990/PYOtherRevenueAmt03851
IRS990/PYProgramServiceRevenueAmt05050553
IRS990/PYRevenuesLessExpensesAmt0201846
IRS990/PYSalariesCompEmpBnftPaidAmt03473914
IRS990/PYTotalExpensesAmt06025804
IRS990/PYTotalRevenueAmt06227650
IRS990/ReconcilationRevenueExpnssAmt0282969
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt04492
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt018943823
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt019499665
IRS990/SavingsAndTempCashInvstGrp/BOYAmt052168008
IRS990/SavingsAndTempCashInvstGrp/EOYAmt053189337
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt05221745
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02324032
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt07545777
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0746993
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01735258
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt02482251
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0662060
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0662060
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0148355264
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0625000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt14994116
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21974380
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt31435983
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt419101819
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt510699950
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Municipal Bond
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Mutual Fund
IRS990ScheduleD/OtherSecuritiesGrp/Desc2US Treasury
IRS990ScheduleD/OtherSecuritiesGrp/Desc3NGN
IRS990ScheduleD/OtherSecuritiesGrp/Desc4FNMA, FHLMC, GNMA, FNCI
IRS990ScheduleD/OtherSecuritiesGrp/Desc5FNMA, FHLMC, GNMA, FNCI
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06630798
IRS990ScheduleD/TotalBookValueSecuritiesAmt038831248
IRS990ScheduleD/TotalLiabilityAmt0148355264
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Sagelink Credit Union has a single class of members with equal rights of ownership, governance and voting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Sagelink Credit Union has members which are entitled to vote.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Credit Union decisions that require membership approval are mergers.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Form 990 is completed by the Asst VP of Finance and then reviewed by the VP of Accounting & Finance or the CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Sagelink Credit Union required all of the governing body to report any conflict of interest to the Board and must abstain from any vote or action on the issue.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The compensation for the CEO was determined by the Board of Directors based on competitive pay.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Sagelink 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/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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0169264671
IRS990/TotalAssetsEOYAmt0169312069
IRS990/TotalAssetsGrp/BOYAmt0169264671
IRS990/TotalAssetsGrp/EOYAmt0169312069
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt090
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt06402362
IRS990/TotalGrossUBIAmt022292
IRS990/TotalLiabilitiesBOYAmt0150320848
IRS990/TotalLiabilitiesEOYAmt0149812404
IRS990/TotalLiabilitiesGrp/BOYAmt0150320848
IRS990/TotalLiabilitiesGrp/EOYAmt0149812404
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt018943823
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt019499665

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$169,312,069
Liabilities
$149,812,404
Net assets
$19,499,665
Revenue
$6,685,331
Expenses
$6,402,362
Net income
$282,969
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$4.80$4.48$0.33
2017Detailed filing. Detailed filing data is available for this year.$200$177$22.8$8.81$7.43$1.37
2016Detailed filing. Detailed filing data is available for this year.$191$169$21.5$7.90$6.63$1.27
2015Detailed filing. Detailed filing data is available for this year.$180$159$20.3$7.15$6.29$0.85
2014Detailed filing. Detailed filing data is available for this year.$169$150$19.5$6.69$6.40$0.28
2013Detailed filing. Detailed filing data is available for this year.$169$150$18.9$6.23$6.03$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$168$148$19.2$6.32
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$167$148$19.6$5.61
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$146$127$18.6$6.24