Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2018 • EIN 38-1370948

Jan 01, 2018 to Dec 31, 2018 • Filed on May 08, 2019

Organization Profilewww.grccu.com
3975 Clay Avenue SWWyoming, MI 49548

(616) 538-3325

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

100th percentile

0.99x

Higher debt load relative to assets than 100% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Liabilities / Revenue

65th percentile

20.31x

Higher debt load relative to revenue than 65% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Net Margin

54th percentile

13%

Higher net margin than 54% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Top Officer Pay

94th percentile

$173,673

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 9.1% of source-year revenue.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Asset Growth

7th percentile

-4.8%

Faster asset growth than 7% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Revenue Growth

59th percentile

11%

Faster revenue growth than 59% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets100th percentile

Assets

Down

$39,110,029

Down $1,971,565 (-4.8%) from 2017

Net Assets

Down

$253,603

Down $6,465,557 (-96%) from 2017

Liabilities

Up

$38,856,426

Up $4,493,992 (+13%) from 2017

Revenue And Expenses
Liabilities / Revenue65th percentileNet Margin54th percentile

Revenue

Up

$1,913,526

Up $185,752 (+11%) from 2017

Expenses

Up

$1,659,923

Up $203,498 (+14%) from 2017

Net Income

Down

$253,603

Down $17,746 (-6.5%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth7th percentile

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 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

2018

Assets$39,110,029
Liabilities$38,856,426
Net Assets$253,603
Open 2018 Filing

Operations Trend

Revenue Growth59th percentile

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: $240,7992011Revenue 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

2018

Revenue$1,913,526
Expenses$1,659,923
Net Income$253,603
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 8, 2019
Return Version
2018v3.1
Gross Receipts
$1,913,526
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities-$15,510,296-
Other Notes and Loans Receivable, Net-$14,408,351-
Savings and Temporary Cash Investments-$8,028,990-
Land, Buildings, and Equipment, Net$380,465$325,241▼ $55,224
Cash and Non-Interest-Bearing Accounts-$282,452-
Rtn Earn Endowment Incm Other Fnds-$253,603-
Accounts Receivable-$75,146-
Prepaid Expenses and Deferred Charges-$52,996-
Investments in Publicly Traded Securities-$9,100-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$380,465$39,110,029▲ $38,729,564
Other Assets Total-$417,457-
Liabilities
Other Liabilities-$38,599,216-
Accounts Payable and Accrued Expenses$380,465$257,210▼ $123,255
Total Liabilities$380,465$38,856,426▲ $38,475,961
Net Assets / Fund Balance
Total Net Assets Fund Balance$0$253,603▲ $253,603
Total Liabilities and Net Assets / Fund Balance$380,465$39,110,029▲ $38,729,564

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$241,763$695,171$936,934
Other Land Buildings$22,600$299,970$322,570
Equipment$36,170$95,447$131,617
Land$19,099-$19,099
Leasehold Improvements$5,609$2,472$8,081
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Timothy KindredCEOFT$144,142$29,531$144,142

Board Members and Trustees

NameTitle
Rex WelbonPresident
Debra HinesVice President
Kelly FalconerDirector
Marcie Ver BeekDirector
Michael CardosaDirector
Beth MaycroftSecretary
Jeff HuvaereTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CU AnswersData Processing6000 28th St SE, Grand Rapids, MI 49546-
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,352,755
Investment Income
$523,675
Other Revenue
$37,096
Change in Net Assets
$253,603
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$945,567
Salaries, Compensation, and Employee Benefits$714,356
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$302,994
Other Salaries and Wages---$287,308
Office Expenses---$121,379
Information Technology---$109,506
Advertising---$81,518
All Other Expenses---$67,759
Other Employee Benefits---$58,046
Interest---$56,802
Other Expenses---$56,601
Depreciation Depletion---$56,136
Occupancy---$54,204
Payroll Taxes---$53,402
Fees for Services Other---$25,917
Travel---$24,700
Fees for Services Accounting---$22,183
Insurance---$14,166
Pension Plan Contributions---$12,606
Fees for Services Legal---$1,273
Total Functional Expenses$0$0$0$1,659,923
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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liability$32,818,261
less YTD$6,034,558
Member Savings and Reserves32,468,420$-253,603
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
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, Line 6: Explanation of Classes of Members or Shareholder

“Section 501c(14) credit union is composed of members.”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Mergers are voted on by entire membership.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Executive and employee salaries are Board reviewed and approved. Board of Directors are not compensated.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Credit 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.”

Filing and Contact Details

Filer

Filer Name
GR Consumers Credit Union
EIN
38-1370948
Phone
6165383325
Address
3975 Clay Avenue SW, Wyoming, MI 49548

Signing Officer

Name
Timothy Kindred
Title
CEO
Signed
2019-05-08
Discuss with paid preparer
Yes

Organization Details

Formed
1941
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
18
Volunteers
7

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Paul Anderson
Phone
8005225820
Raw XML AppendixShowing 400 of 413 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/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt19395
IRS990/OtherRevenueTotalAmt037096
IRS990/OtherSalariesAndWagesGrp/TotalAmt0287308
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt014408351
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt053402
IRS990/PensionPlanContributionsGrp/TotalAmt012606
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt052996
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0Debit Card Income
IRS990/ProgramServiceRevenueGrp/Desc1Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc2NSF Charges
IRS990/ProgramServiceRevenueGrp/Desc3Other Fees & Charges
IRS990/ProgramServiceRevenueGrp/Desc4VISA Interchange Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0177452
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1750841
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt256130
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3278029
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt461682
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0177452
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1750841
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt256130
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3278029
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt461682
IRS990/ProgSrvcAccomActy2Grp/Desc0The 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 12/31/2018 was 1,509.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0253603
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0253603
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08028990
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0241763
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0695171
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0936934
IRS990ScheduleD/EquipmentGrp/BookValueAmt036170
IRS990ScheduleD/EquipmentGrp/DepreciationAmt095447
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0131617
IRS990ScheduleD/LandGrp/BookValueAmt019099
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt019099
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt05609
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt02472
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt08081
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt022600
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0299970
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0322570
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06034558
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1-253603
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt232818261
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0less YTD
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Member Savings and Reserves32,468,420
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0325241
IRS990ScheduleD/TotalBookValueSecuritiesAmt015510296
IRS990ScheduleD/TotalLiabilityAmt038599216
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0144142
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt029531
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Timothy Kindred
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0144142
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt029531
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Section 501c(14) credit union is composed of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Mergers are voted on by entire membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Executive and employee salaries are Board reviewed and approved. Board of Directors are not compensated.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Credit 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/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0380465
IRS990/TotalAssetsEOYAmt039110029
IRS990/TotalAssetsGrp/BOYAmt0380465
IRS990/TotalAssetsGrp/EOYAmt039110029
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt018
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01659923
IRS990/TotalGrossUBIAmt010419
IRS990/TotalLiabilitiesBOYAmt0380465
IRS990/TotalLiabilitiesEOYAmt038856426
IRS990/TotalLiabilitiesGrp/BOYAmt0380465
IRS990/TotalLiabilitiesGrp/EOYAmt038856426
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0253603
IRS990/TotalOtherCompensationAmt029531
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt028621
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt028621
IRS990/TotalProgramServiceRevenueAmt01352755
IRS990/TotalReportableCompFromOrgAmt0144142
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01903107
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01913526
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt010419
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0380465
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt039110029
IRS990/TravelGrp/TotalAmt024700
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03975 Clay Avenue SW
IRS990/USAddress/CityNm0Wyoming
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd0495483086
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.grccu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Timothy Kindred
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GR Consumers Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0GRCO
ReturnHeader/Filer/EIN0381370948
ReturnHeader/Filer/PhoneNum06165383325
ReturnHeader/Filer/USAddress/AddressLine1Txt03975 Clay Avenue SW
ReturnHeader/Filer/USAddress/CityNm0Wyoming
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049548

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$39,110,029
Liabilities
$38,856,426
Net assets
$253,603
Revenue
$1,913,526
Expenses
$1,659,923
Net income
$253,603
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
2018Detailed filing. Detailed filing data is available for this year.$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
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
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