Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2012 • EIN 38-1370948

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 04, 2013

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

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$39,592,792

Flat from 2012

Net Assets

Flat

$6,130,832

Flat from 2012

Liabilities

Flat

$33,461,960

Flat from 2012

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$1,416,136

Flat from 2012

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 2012: $39,592,792Liabilities 2012: $33,461,960Net Assets 2012: $6,130,8322012Assets 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

2012

Assets$39,592,792
Liabilities$33,461,960
Net Assets$6,130,832
Open 2012 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: $1,672,2462010Revenue 2011: $1,756,106Expenses 2011: $1,515,307Net Income 2011: $240,7992011Expenses 2012: $1,416,1362012Revenue 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

2012

Revenue-
Expenses$1,416,136
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 4, 2013
Return Version
2012v2.0
Gross Receipts
$1,612,856
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 12/31/2012 was 2,214.
Filing and Contact Details

Filer

EIN
38-1370948
Raw XML AppendixShowing 400 of 432 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/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY0206471
IRS990/AccountsPayableAccruedExpenses/EOY0254937
IRS990/AccountsReceivable/EOY00
IRS990/ActivitiesConductedPartnership0false
IRS990/Activity2/Description0The 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 12/31/2012 was 2,214.
IRS990/ActivityOrMissionDescription0Provide financial services and products to members.
IRS990/AddressPrincipalOfficerUS/AddressLine103975 Clay Avenue SW
IRS990/AddressPrincipalOfficerUS/City0Wyoming
IRS990/AddressPrincipalOfficerUS/State0MI
IRS990/AddressPrincipalOfficerUS/ZIPCode0495483086
IRS990/Advertising/Total029511
IRS990/AllAffiliatesIncluded0false
IRS990/AllOtherExpenses/Total045904
IRS990/AnnualDisclosureCoveredPersons0true
IRS990/AuditCommittee0true
IRS990/BenefitsPaidToMembersCY00
IRS990/BenefitsToMembers/Total00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY0186040
IRS990/CashNonInterestBearing/EOY0169232
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/Total0109816
IRS990/CompDisqualPersons/Total00
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0true
IRS990/CompensationProcessOther0true
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConferencesMeetings/Total00
IRS990/ConflictOfInterestPolicy0true
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine106000 28th St SE
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City0Grand Rapids
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State0MI
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode049546
IRS990/ContractorCompensation/Compensation0105156
IRS990/ContractorCompensation/DescriptionOfServices0Data Processing
IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine10CU Answers
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0true
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/Total048754
IRS990/DescribedIn501C30false
IRS990/Description0The Credit Union provides several deposit account types to members including savings, checking certificate and other. The total number of members at 12/31/2012 was 4,188.
IRS990/DisregardedEntity0false
IRS990/DistributionToDonor0false
IRS990/DocumentRetentionPolicy0true
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0true
IRS990/EmploymentTaxReturnsFiled0true
IRS990/EscrowAccount0false
IRS990/ExcessBenefitTransaction0false
IRS990/ExcessBusinessHoldings0false
IRS990/FamilyOrBusinessRelationship0false
IRS990/FederalGrantAuditRequired0false
IRS990/FeesForServicesAccounting/Total024249
IRS990/FeesForServicesInvstMgmntFees/Total00
IRS990/FeesForServicesLegal/Total015
IRS990/FeesForServicesLobbying/Total00
IRS990/FeesForServicesManagement/Total00
IRS990/FeesForServicesOther/Total00
IRS990/FeesForServicesProfFundraising/Total00
IRS990/FiledLieu10410false
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignGrants/Total00
IRS990/ForeignOffice0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek01.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek11.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek21.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek31.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek41.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek51.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek61.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek740.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated00.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated10.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated20.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated30.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated40.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated50.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated60.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated70.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/NamePerson0Jeff Huvaere
IRS990/Form990PartVIISectionA/NamePerson1David Popp
IRS990/Form990PartVIISectionA/NamePerson2Beth Maycroft
IRS990/Form990PartVIISectionA/NamePerson3Debra Hines
IRS990/Form990PartVIISectionA/NamePerson4Paul Przekop
IRS990/Form990PartVIISectionA/NamePerson5Marcie Ver Beek
IRS990/Form990PartVIISectionA/NamePerson6Rex Welbon
IRS990/Form990PartVIISectionA/NamePerson7Carol Spoolstra
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization7109816
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/Title0Secretary
IRS990/Form990PartVIISectionA/Title1Director
IRS990/Form990PartVIISectionA/Title2Director
IRS990/Form990PartVIISectionA/Title3Director
IRS990/Form990PartVIISectionA/Title4Treasurer
IRS990/Form990PartVIISectionA/Title5President
IRS990/Form990PartVIISectionA/Title6Vice President
IRS990/Form990PartVIISectionA/Title7CEO
IRS990/Form990ProvidedToGoverningBody0false
IRS990/FormersListed0false
IRS990/FSAudited0true
IRS990/FSAuditedBasis/FinancialStatementSeparate0X
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToDomesticIndividuals/Total00
IRS990/GrantsToDomesticOrgs/Total00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts01612856
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IncomeFromInvestBondProceeds/TotalRevenueColumn00
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InformationTechnology/Total0117448
IRS990/Insurance/Total018886
IRS990/IntangibleAssets/EOY00
IRS990/Interest/Total0120853
IRS990/InventoriesForSaleOrUse/EOY00
IRS990/InvestmentIncomeCurrentYear0224138
IRS990/InvestmentIncomePriorYear0268345
IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome0224138
IRS990/InvestmentIncome/TotalRevenueColumn0224138
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsOtherSecurities/BOY09437000
IRS990/InvestmentsOtherSecurities/EOY011650000
IRS990/InvestmentsProgramRelated/EOY00
IRS990/InvestmentsPubTradedSecurities/EOY00
IRS990/InvestTaxExemptBonds0false
IRS990/LandBldgEquipmentAccumDeprec0828002
IRS990/LandBuildingsEquipmentBasis01292277
IRS990/LandBuildingsEquipmentBasisNet/BOY0471189
IRS990/LandBuildingsEquipmentBasisNet/EOY0464275
IRS990/LicensedMoreThanOneState0false
IRS990/LoanToOfficerOrDQP0true
IRS990/LobbyingActivities0false
IRS990/LocalChapters0true
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0false
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0Provide financial services and products to members.
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0Carol Spoolstra
IRS990/NbrIndependentVotingMembers07
IRS990/NbrVotingGoverningBodyMembers07
IRS990/NbrVotingMembersGoverningBody07
IRS990/NetAssetsOrFundBalancesBOY05934112
IRS990/NetAssetsOrFundBalancesEOY06130832
IRS990/NetGainOrLossInvestments/TotalRevenueColumn00
IRS990/NetIncomeFromFundraisingEvents/TotalRevenueColumn00
IRS990/NetIncomeFromGaming/TotalRevenueColumn00
IRS990/NetIncomeOrLoss/TotalRevenueColumn00
IRS990/NetRentalIncomeOrLoss/TotalRevenueColumn00
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith10960779
IRS990/NumberIndependentVotingMembers07
IRS990/NumberIndividualsGT100K01
IRS990/NumberOfContractorsGT100K01
IRS990/NumberOfEmployees018
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total062393
IRS990/OfficeExpenses/Total070678
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/OnBehalfOfIssuer0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY0660348
IRS990/OtherAssetsTotal/EOY0647104
IRS990/OtherEmployeeBenefits/Total072972
IRS990/OtherExpensePriorYear0894515
IRS990/OtherExpensesCurrentYear0767170
IRS990/OtherExpenses/Description0Provision for Loan Losses
IRS990/OtherExpenses/Description1NCUA Stabilization Expense
IRS990/OtherExpenses/Description2Loan Servicing Expense
IRS990/OtherExpenses/Description3ATM\Debit Card Expense
IRS990/OtherExpenses/Total022000
IRS990/OtherExpenses/Total131185
IRS990/OtherExpenses/Total283792
IRS990/OtherExpenses/Total391502
IRS990/OtherLiabilities/BOY031821743
IRS990/OtherLiabilities/EOY033207023
IRS990/OtherNotesLoansReceivableNet/BOY013225398
IRS990/OtherNotesLoansReceivableNet/EOY012364763
IRS990/OtherRevenueCurrentYear028211
IRS990/OtherRevenueMisc/BusinessCode0524298
IRS990/OtherRevenueMisc/BusinessCode1522100
IRS990/OtherRevenueMisc/Description0Insurance Premium Income
IRS990/OtherRevenueMisc/Description1ATM Surcharge
IRS990/OtherRevenueMisc/TotalRevenueColumn027605
IRS990/OtherRevenueMisc/TotalRevenueColumn1606
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue027605
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue1606
IRS990/OtherRevenuePriorYear024215
IRS990/OtherSalariesAndWages/Total0380843
IRS990/PartialLiquidation0false
IRS990/PaymentsToAffiliates/Total00
IRS990/PayrollTaxes/Total052705
IRS990/PensionPlanContributions/Total032630
IRS990/PledgesAndGrantsReceivable/EOY00
IRS990/PoliciesReferenceChapters0true
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY013303
IRS990/PrepaidExpensesDeferredCharges/EOY039127
IRS990/PriorExcessBenefitTransaction0false
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenue/BusinessCode2522100
IRS990/ProgramServiceRevenue/BusinessCode3522100
IRS990/ProgramServiceRevenue/BusinessCode4522100
IRS990/ProgramServiceRevenueCY01360507
IRS990/ProgramServiceRevenue/Description0VISA Interchange Income
IRS990/ProgramServiceRevenue/Description1NSF Charges
IRS990/ProgramServiceRevenue/Description2Interest on Loans
IRS990/ProgramServiceRevenue/Description3Fees & Charges
IRS990/ProgramServiceRevenue/Description4Debit Card Income
IRS990/ProgramServiceRevenuePriorYear01463546
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome072186
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome1270876
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome2800242
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome345608
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome4145379
IRS990/ProgramServiceRevenue/TotalRevenueColumn072186
IRS990/ProgramServiceRevenue/TotalRevenueColumn1270876
IRS990/ProgramServiceRevenue/TotalRevenueColumn2800242
IRS990/ProgramServiceRevenue/TotalRevenueColumn345608
IRS990/ProgramServiceRevenue/TotalRevenueColumn4145379
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReceivablesFromDisqualPersons/EOY00
IRS990/ReceivablesFromOfficersEtc/EOY00
IRS990/ReconcilationRevenueExpenses0196720
IRS990/RegularMonitoringEnforcement0true
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0true
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY05934112
IRS990/RetainedEarningsEndowmentEtc/EOY06130832
IRS990/RevenuesLessExpensesCY0196720
IRS990/RevenuesLessExpensesPriorYear0240799
IRS990/RoyaltiesRevenue/TotalRevenueColumn00
IRS990/Royalties/Total00
IRS990/SalariesEtcCurrentYear0648966
IRS990/SalariesEtcPriorYear0620792
IRS990/SavingsAndTempCashInvestments/BOY013969048
IRS990/SavingsAndTempCashInvestments/EOY014258291
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Buildings/BookValue0375202
IRS990ScheduleD/Buildings/Depreciation0554214
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis0929416
IRS990ScheduleD/Equipment/BookValue010495
IRS990ScheduleD/Equipment/Depreciation066993
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis077488
IRS990ScheduleD/Land/BookValue019099
IRS990ScheduleD/Land/OtherCostOrOtherBasis019099
IRS990ScheduleD/LeaseholdImprovements/BookValue01972
IRS990ScheduleD/LeaseholdImprovements/Depreciation01578
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis03550
IRS990ScheduleD/OtherLandBuildings/BookValue057507
IRS990ScheduleD/OtherLandBuildings/Depreciation0205217
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis0262724
IRS990ScheduleD/OtherLiabilities/Amount018027589
IRS990ScheduleD/OtherLiabilities/Amount115179434
IRS990ScheduleD/OtherLiabilities/Description0Member Share Accounts
IRS990ScheduleD/OtherLiabilities/Description1Member Deposit Accounts
IRS990ScheduleD/TotalOfAmounts033207023
IRS990ScheduleD/TotalOfBookValueLandBuildings0464275
IRS990ScheduleD/TotalOfBookValueSecurities011650000
IRS990/ScheduleJRequired0false
IRS990ScheduleL/LoanTable/ApprovedByBoard0true
IRS990ScheduleL/LoanTable/Default0false
IRS990ScheduleL/LoanTable/LoanFromOrganization0X
IRS990ScheduleL/LoanTable/NamePerson0NA per 2012 Instructions
IRS990ScheduleL/LoanTable/WrittenAgreement0true
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.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Line 15b
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 12c
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 11b
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 11b: 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
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0MI
IRS990/SubjectToProxyTax0false
IRS990/TaxableDistributions0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine103975 Clay Avenue SW
IRS990/TheBooksAreInCareOf/AddressUS/City0Wyoming
IRS990/TheBooksAreInCareOf/AddressUS/State0MI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode0495483086
IRS990/TheBooksAreInCareOf/NamePerson0Carol Spoolstra
IRS990/TheBooksAreInCareOf/TelephoneNumber06165383325
IRS990/TotalAssets/BOY037962326
IRS990/TotalAssetsBOY037962326
IRS990/TotalAssets/EOY039592792
IRS990/TotalAssetsEOY039592792
IRS990/TotalCompGT150K0false
IRS990/TotalContributions00
IRS990/TotalExpensesCurrentYear01416136
IRS990/TotalExpensesPriorYear01515307
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total01416136
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI028211
IRS990/TotalLiabilities/BOY032028214
IRS990/TotalLiabilitiesBOY032028214
IRS990/TotalLiabilities/EOY033461960
IRS990/TotalLiabilitiesEOY033461960
IRS990/TotalLiabNetAssetsFundBalances/BOY037962326
IRS990/TotalLiabNetAssetsFundBalances/EOY039592792
IRS990/TotalNbrEmployees018
IRS990/TotalNbrVolunteers07
IRS990/TotalNetAssetsFundBalances/BOY05934112
IRS990/TotalNetAssetsFundBalances/EOY06130832
IRS990/TotalOtherRevenue028211
IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome026216
IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn026216
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue01360507
IRS990/TotalReportableCompFromOrg0109816
IRS990/TotalRevenueCurrentYear01612856
IRS990/TotalRevenuePriorYear01756106
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome01584645
IRS990/TotalRevenue/TotalRevenueColumn01612856
IRS990/TotalRevenue/UnrelatedBusinessRevenue028211
IRS990/TransactionRelatedEntity0false
IRS990/TransfersToExemptNonChrtblOrg0false
IRS990/TravelEntrtnmntPublicOfficials/Total00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$39,592,792
Liabilities
$33,461,960
Net assets
$6,130,832
Revenue
-
Expenses
$1,416,136
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
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.6$33.5$6.13$1.42
2012Summary only. Only limited summary data is available for this year.$39.6$33.5$6.13$1.61$1.42$0.20
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