Civic Intelligence

Belle River Community Credit Union

EIN 38-1285928 • 501(c)14 • Casco, MI

Profile

To provide financial services to member owners with a common bond.

10636 Gratiot AvenueCasco, MI 48064

brccu.com

Siviq Scores

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

Liabilities / Assets

11th percentile

0.01x

Higher debt load relative to assets than 11% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2020

Liabilities / Revenue

14th percentile

0.47x

Higher debt load relative to revenue than 14% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2020

Net Margin

61st percentile

10%

Higher net margin than 61% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2020

Top Officer Pay

64th percentile

$93,981

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 12.8% of source-year revenue.

$10M-$25M nonprofits • Source year 2019

Asset Growth

97th percentile

15%

Faster asset growth than 97% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Revenue Growth

6th percentile

-17%

Faster revenue growth than 6% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$24,615,443

Up $3,200,633 (+15%) from 2019

Liabilities

Up

$285,231

Up $151,316 (+113%) from 2019

Net Assets

Up

$24,330,212

Up $3,049,317 (+14%) from 2019

Operations
Liabilities / Revenue14th percentileNet Margin61st percentile

Revenue

Down

$609,960

Down $123,103 (-17%) from 2019

Expenses

Down

$546,081

Down $86,089 (-14%) from 2019

Net Income

Down

$63,879

Down $37,014 (-37%) from 2019

Trend Graphs

Balance Sheet Trend

Asset Growth97th percentile

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

$30M$20M$10M$0Assets 2010: $17,324,442Liabilities 2010: $59,834Net Assets 2010: $17,264,6082010Assets 2011: $18,672,560Liabilities 2011: $77,306Net Assets 2011: $18,595,2542011Assets 2012: $20,182,769Liabilities 2012: $78,798Net Assets 2012: $20,103,9712012Assets 2013: $22,026,057Liabilities 2013: $53,444Net Assets 2013: $21,972,6132013Assets 2014: $21,205,228Liabilities 2014: $73,837Net Assets 2014: $21,131,3912014Assets 2015: $21,846,672Liabilities 2015: $76,650Net Assets 2015: $21,770,0222015Assets 2016: $21,917,886Liabilities 2016: $67,977Net Assets 2016: $21,849,9092016Assets 2017: $20,717,407Liabilities 2017: $67,457Net Assets 2017: $20,649,9502017Assets 2018: $21,305,405Liabilities 2018: $68,880Net Assets 2018: $21,236,5252018Assets 2019: $21,414,810Liabilities 2019: $133,915Net Assets 2019: $21,280,8952019Assets 2020: $24,615,443Liabilities 2020: $285,231Net Assets 2020: $24,330,2122020

Highlighted filing

2020

Assets$24,615,443
Liabilities$285,231
Net Assets$24,330,212
Open 2020 Filing

Operations Trend

Revenue Growth6th percentile

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

$800K$600K$400K$200K$0Expenses 2010: $643,5232010Expenses 2011: $589,1662011Expenses 2012: $560,6382012Revenue 2013: $585,607Expenses 2013: $547,331Net Income 2013: $38,2762013Revenue 2014: $598,221Expenses 2014: $513,543Net Income 2014: $84,6782014Revenue 2015: $575,155Expenses 2015: $520,271Net Income 2015: $54,8842015Revenue 2016: $575,136Expenses 2016: $528,630Net Income 2016: $46,5062016Revenue 2017: $586,091Expenses 2017: $522,137Net Income 2017: $63,9542017Revenue 2018: $678,187Expenses 2018: $526,475Net Income 2018: $151,7122018Revenue 2019: $733,063Expenses 2019: $632,170Net Income 2019: $100,8932019Revenue 2020: $609,960Expenses 2020: $546,081Net Income 2020: $63,8792020

Highlighted filing

2020

Revenue$609,960
Expenses$546,081
Net Income$63,879
Open 2020 Filing

Filings

Most recent year

2020 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$24,615,443
Liabilities
$285,231
Net assets
$24,330,212
Revenue
$609,960
Expenses
$546,081
Net income
$63,879
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.6$0.29$24.3$0.61$0.55$0.06
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.4$0.13$21.3$0.73$0.63$0.10
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.3$0.07$21.2$0.68$0.53$0.15
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.7$0.07$20.6$0.59$0.52$0.06
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.9$0.07$21.8$0.58$0.53$0.05
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.8$0.08$21.8$0.58$0.52$0.05
2014Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$21.2$0.07$21.1$0.60$0.51$0.08
2013Detailed filing. Detailed filing data is available for this year.$22.0$0.05$22.0$0.59$0.55$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.2$0.08$20.1$0.56
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.7$0.08$18.6$0.59
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.3$0.06$17.3$0.64
Latest Detailed Filing

The latest 2020 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2019 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 3, 2020
Return Version
2019v5.0
Gross Receipts
$733,063
Mission and Program Overview

Mission

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$19,172,445$19,115,922▼ $56,523
Investments Other Securities$13,972,294$14,256,794▲ $284,500
Other Notes and Loans Receivable, Net$6,186,365$5,800,646▼ $385,719
Rtn Earn Endowment Incm Other Fnds$2,064,080$2,164,973▲ $100,893
Cash and Non-Interest-Bearing Accounts$352,038$580,162▲ $228,124
Land, Buildings, and Equipment, Net$491,044$467,046▼ $23,998
Savings and Temporary Cash Investments$23,953$23,686▼ $267
Prepaid Expenses and Deferred Charges$30,849$16,611▼ $14,238
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$21,305,405$21,414,810▲ $109,405
Other Assets Total$248,862$269,865▲ $21,003
Liabilities
Accounts Payable and Accrued Expenses$68,880$133,915▲ $65,035
Total Liabilities$68,880$133,915▲ $65,035
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,236,525$21,280,895▲ $44,370
Total Liabilities and Net Assets / Fund Balance$21,305,405$21,414,810▲ $109,405

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$359,703$277,765$637,468
Land$102,261-$102,261
Other Land Buildings$5,082$77,493$82,575
Equipment$0$0$0
Leasehold Improvements$0$0$0
Other Securities$104,000--
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Victoria McIntoshCEOFT$88,781$5,200$93,981

Board Members and Trustees

NameTitle
Ronald LathrupChairman
Roy RivardSupervisory Committee Chairman
Gretchen JagodaDirector
Helga WisswellDirector
John BusemanDirector
Colleen StoverSecretary
Jospeh BergSupervisory Committee Member
Kim GunstSupervisory Committee Member
Kay GoikeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$733,063
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$100,893
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$325,220
Salaries, Compensation, and Employee Benefits$306,950
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$148,745
Current Officers, Directors, Trustees, and Key Employees---$88,781
Other Employee Benefits---$40,403
Office Expenses---$34,620
Depreciation Depletion---$29,521
Occupancy---$22,664
Advertising---$21,195
Payroll Taxes---$20,114
All Other Expenses---$16,368
Insurance---$8,987
Pension Plan Contributions---$8,907
Other Expenses---$5,740
Conferences and Meetings---$2,984
Total Functional Expenses$0$0$0$632,170
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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

“member owned financial cooparative”

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

“Annual meetings are held to elect volunteer officers to serve on the board of directors”

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

“President / CEO of the organization reviews Form 990 filing prior to submission”

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

“Action item on agenda with annual policy review”

Form 990, Part VI, Section B, Line 15

“Board of Directors conducts an annual performance review fo the President / CEO. President / CEO conducts annual performnace review of all other paid staff.”

Form 990, Part VI, Section C, Line 19

“Paper forms of Form 990 and related schedules are retained in paper format and are stored on-site and made available for public inspection”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State of Michigan
EIN
38-1285928
Phone
5867276855
Address
10636 Gratiot Avenue, Casco, MI 48064

Signing Officer

Name
Vicki McIntosh
Title
President / CEO
Phone
5867276855
Signed
2020-11-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Vicki McIntosh
Formed
1926
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
11
Volunteers
10

Preparer

Firm
Thomas R Schulz CPA
Address
38533 hidden lane, clinton township, MI 48036
Preparer
Thomas R Schulz
Phone
5864654274
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Net decrease in member deposits”

Raw XML AppendixShowing 400 of 411 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt068880
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0133915
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0To provide financial services to member owners with a common bond.
IRS990/AdvertisingGrp/TotalAmt021195
IRS990/AllOtherExpensesGrp/TotalAmt016368
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0Belle River Community Credit Union
IRS990/BooksInCareOfDetail/PhoneNum05867276855
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt010636 Gratiot Avenue
IRS990/BooksInCareOfDetail/USAddress/CityNm0Casco
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048064
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt019172445
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt019115922
IRS990/CashNonInterestBearingGrp/BOYAmt0352038
IRS990/CashNonInterestBearingGrp/EOYAmt0580162
IRS990/ChangeToOrgDocumentsInd00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt088781
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt02984
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt0325220
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0733063
IRS990/CYRevenuesLessExpensesAmt0100893
IRS990/CYSalariesCompEmpBnftPaidAmt0306950
IRS990/CYTotalExpensesAmt0632170
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0733063
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt029521
IRS990/Desc0A member owned financial cooperative whose promary focus is on the member. Purpose is to provide superior financial services while building timeless, trusted relationships with members and our community
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt011
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt0632171
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90.5
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt05200
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0Victoria McIntosh
IRS990/Form990PartVIISectionAGrp/PersonNm1Ronald Lathrup
IRS990/Form990PartVIISectionAGrp/PersonNm2Gretchen Jagoda
IRS990/Form990PartVIISectionAGrp/PersonNm3Kay Goike
IRS990/Form990PartVIISectionAGrp/PersonNm4Colleen Stover
IRS990/Form990PartVIISectionAGrp/PersonNm5Helga Wisswell
IRS990/Form990PartVIISectionAGrp/PersonNm6John Buseman
IRS990/Form990PartVIISectionAGrp/PersonNm7Roy Rivard
IRS990/Form990PartVIISectionAGrp/PersonNm8Jospeh Berg
IRS990/Form990PartVIISectionAGrp/PersonNm9Kim Gunst
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt088781
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Supervisory Committee Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt8Supervisory Committee Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Supervisory Committee Member
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01926
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0733063
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/TotalAmt08987
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt013972294
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt014256794
IRS990/IRPDocumentCnt011
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0355258
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0491044
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0467046
IRS990/LandBldgEquipCostOrOtherBssAmt0822304
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To promote thrift and savings to approximately 2,000 credit union members who live, work, or worship in the community and surrounding areas of Richmond MI
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt021236525
IRS990/NetAssetsOrFundBalancesEOYAmt021280895
IRS990/NetUnrelatedBusTxblIncmAmt083
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt022664
IRS990/OfficeExpensesGrp/TotalAmt034620
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0248862
IRS990/OtherAssetsTotalGrp/EOYAmt0269865
IRS990/OtherChangesInNetAssetsAmt0-56523
IRS990/OtherEmployeeBenefitsGrp/TotalAmt040403
IRS990/OtherExpensesGrp/Desc0Data Processing Expenses
IRS990/OtherExpensesGrp/Desc1Supervision and examination fees
IRS990/OtherExpensesGrp/Desc2Dividends to members
IRS990/OtherExpensesGrp/Desc3Loan Servicing Expenses
IRS990/OtherExpensesGrp/TotalAmt0153889
IRS990/OtherExpensesGrp/TotalAmt113720
IRS990/OtherExpensesGrp/TotalAmt215532
IRS990/OtherExpensesGrp/TotalAmt35740
IRS990/OtherOrganizationDsc0state chartered credit union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0148745
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt06186365
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt05800646
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt020114
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt08907
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt030849
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt016611
IRS990/PrincipalOfficerNm0Vicki McIntosh
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest
IRS990/ProgramServiceRevenueGrp/Desc1investment Income
IRS990/ProgramServiceRevenueGrp/Desc2Other
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0243299
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1348934
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2132668
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0243299
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1348934
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2140830
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt28162
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt0245488
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0678187
IRS990/PYRevenuesLessExpensesAmt0151712
IRS990/PYSalariesCompEmpBnftPaidAmt0280987
IRS990/PYTotalExpensesAmt0526475
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0678187
IRS990/ReconcilationRevenueExpnssAmt0100893
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0733063
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02064080
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02164973
IRS990/SavingsAndTempCashInvstGrp/BOYAmt023953
IRS990/SavingsAndTempCashInvstGrp/EOYAmt023686
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0359703
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0277765
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0637468
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt00
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0102261
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0102261
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt05082
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt077493
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt082575
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt012502203
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11650591
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2104000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Certificates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Alloya Corporate FCU Daily Account
IRS990ScheduleD/OtherSecuritiesGrp/Desc2Alloya Corporate FCU Perpetual Capital
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0467046
IRS990ScheduleD/TotalBookValueSecuritiesAmt014256794
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0member owned financial cooparative
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Annual meetings are held to elect volunteer officers to serve on the board of directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2President / CEO of the organization reviews Form 990 filing prior to submission
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Action item on agenda with annual policy review
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Board of Directors conducts an annual performance review fo the President / CEO. President / CEO conducts annual performnace review of all other paid staff.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Paper forms of Form 990 and related schedules are retained in paper format and are stored on-site and made available for public inspection
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Net decrease in member deposits
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt021305405
IRS990/TotalAssetsEOYAmt021414810
IRS990/TotalAssetsGrp/BOYAmt021305405
IRS990/TotalAssetsGrp/EOYAmt021414810
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0632170
IRS990/TotalGrossUBIAmt08162
IRS990/TotalLiabilitiesBOYAmt068880
IRS990/TotalLiabilitiesEOYAmt0133915
IRS990/TotalLiabilitiesGrp/BOYAmt068880
IRS990/TotalLiabilitiesGrp/EOYAmt0133915
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt021236525
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt021280895
IRS990/TotalOtherCompensationAmt05200
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0632171
IRS990/TotalProgramServiceRevenueAmt0733063
IRS990/TotalReportableCompFromOrgAmt088781
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0724901
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0733063
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt08162
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt021305405
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt021414810
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt010636 Gratiot
IRS990/USAddress/CityNm0Casco
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048064
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0brccu.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Vicki McIntosh
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President / CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05867276855
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-11-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0381285928
ReturnHeader/Filer/PhoneNum05867276855
ReturnHeader/Filer/USAddress/AddressLine1Txt010636 Gratiot Avenue
ReturnHeader/Filer/USAddress/CityNm0Casco
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048064
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt075.39.1.244
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Thomas R Schulz CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt038533 hidden lane
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0clinton township

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