Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2011 • EIN 38-1370948

Jan 01, 2011 to Dec 31, 2011 • Filed on May 18, 2012

Organization Profilewww.grccu.com
3975 Clay Avenue SW49548
Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$37,962,326

Flat from 2011

Net Assets

Flat

$5,934,112

Flat from 2011

Liabilities

Flat

$32,028,214

Flat from 2011

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$1,515,307

Flat from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$60M$40M$20M$0Assets 2010: $36,993,789Liabilities 2010: $31,300,476Net Assets 2010: $5,693,3132010Assets 2011: $37,962,326Liabilities 2011: $32,028,214Net Assets 2011: $5,934,1122011Assets 2011: $37,962,326Liabilities 2011: $32,028,214Net Assets 2011: $5,934,1122011Assets 2012: $39,592,792Liabilities 2012: $33,461,960Net Assets 2012: $6,130,8322012Assets 2013: $40,490,150Liabilities 2013: $34,433,017Net Assets 2013: $6,057,1332013Assets 2014: $39,088,358Liabilities 2014: $32,994,065Net Assets 2014: $6,094,2932014Assets 2015: $40,195,745Liabilities 2015: $33,938,269Net Assets 2015: $6,257,4762015Assets 2016: $40,780,222Liabilities 2016: $34,332,411Net Assets 2016: $6,447,8112016Assets 2017: $41,081,594Liabilities 2017: $34,362,434Net Assets 2017: $6,719,1602017Assets 2018: $39,110,029Liabilities 2018: $38,856,426Net Assets 2018: $253,6032018Assets 2019: $41,177,104Liabilities 2019: $33,929,364Net Assets 2019: $7,247,7402019Assets 2020: $45,437,721Liabilities 2020: $38,099,802Net Assets 2020: $7,337,9192020Assets 2021: $49,394,683Liabilities 2021: $41,736,574Net Assets 2021: $7,658,1092021Assets 2022: $49,222,600Liabilities 2022: $41,287,576Net Assets 2022: $7,935,0242022Assets 2023: $47,093,914Liabilities 2023: $38,863,603Net Assets 2023: $8,230,3112023

Highlighted filing

2011

Assets$37,962,326
Liabilities$32,028,214
Net Assets$5,934,112
Open 2011 Filing

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,672,2462010Expenses 2011: $1,515,3072011Revenue 2011: $1,756,106Expenses 2011: $1,515,307Net Income 2011: $240,7992011Revenue 2012: $1,612,856Expenses 2012: $1,416,136Net Income 2012: $196,7202012Revenue 2013: $1,530,398Expenses 2013: $1,604,097Net Income 2013: -$73,6992013Revenue 2014: $1,546,810Expenses 2014: $1,509,650Net Income 2014: $37,1602014Revenue 2015: $1,568,129Expenses 2015: $1,404,946Net Income 2015: $163,1832015Revenue 2016: $1,592,163Expenses 2016: $1,401,828Net Income 2016: $190,3352016Revenue 2017: $1,727,774Expenses 2017: $1,456,425Net Income 2017: $271,3492017Revenue 2018: $1,913,526Expenses 2018: $1,659,923Net Income 2018: $253,6032018Revenue 2019: $2,021,367Expenses 2019: $1,751,543Net Income 2019: $269,8242019Revenue 2020: $1,848,053Expenses 2020: $1,766,547Net Income 2020: $81,5062020Revenue 2021: $2,051,616Expenses 2021: $1,740,124Net Income 2021: $311,4922021Revenue 2022: $2,073,782Expenses 2022: $1,779,016Net Income 2022: $294,7662022Revenue 2023: $2,328,980Expenses 2023: $2,050,597Net Income 2023: $278,3832023

Highlighted filing

2011

Revenue-
Expenses$1,515,307
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 18, 2012
Return Version
2011v1.2
Gross Receipts
$1,756,106
Mission and Program Overview

Mission

Provide financial services and products to members.

Major Activities

Activity 2
The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of member loans outstanding at 12/31/2011 was 2,217.
Filing and Contact Details

Filer

EIN
38-1370948
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IRS990ScheduleO/GeneralExplanation/Explanation0Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.
IRS990ScheduleO/GeneralExplanation/Explanation1Executive and employee salaries are Board reviewed and approved. Board of Directors are not compensated.
IRS990ScheduleO/GeneralExplanation/Explanation2Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.
IRS990ScheduleO/GeneralExplanation/Explanation3Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/GeneralExplanation/Explanation4Mergers are voted on by entire membership.
IRS990ScheduleO/GeneralExplanation/Explanation5Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation6Section 501c(14) credit union is composed of members.
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IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 11
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 7b
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990, Part VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier6Form 990, Part VI, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 11: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$37,962,326
Liabilities
$32,028,214
Net assets
$5,934,112
Revenue
-
Expenses
$1,515,307
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$47.1$38.9$8.23$2.33$2.05$0.28
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$49.2$41.3$7.94$2.07$1.78$0.29
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$49.4$41.7$7.66$2.05$1.74$0.31
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.4$38.1$7.34$1.85$1.77$0.08
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.2$33.9$7.25$2.02$1.75$0.27
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$39.1$38.9$0.25$1.91$1.66$0.25
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.1$34.4$6.72$1.73$1.46$0.27
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.8$34.3$6.45$1.59$1.40$0.19
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.2$33.9$6.26$1.57$1.40$0.16
2014Detailed filing. Detailed filing data is available for this year.$39.1$33.0$6.09$1.55$1.51$0.04
2013Detailed filing. Detailed filing data is available for this year.$40.5$34.4$6.06$1.53$1.60$0.07
2012Summary only. Only limited summary data is available for this year.$39.6$33.5$6.13$1.61$1.42$0.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.0$32.0$5.93$1.52
2011Summary only. Only limited summary data is available for this year.$38.0$32.0$5.93$1.76$1.52$0.24
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.0$31.3$5.69$1.67