Civic Intelligence

Credit Unions Chartered in the State of Michigan

EIN 38-1395220 • 501(c)14 • Bay City, MI

Profile

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

1199 S Euclid AveBay City, MI 48706

www.finedgecu.org

Siviq Scores

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

Liabilities / Assets

31st percentile

0.87x

Higher debt load relative to assets than 31% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Liabilities / Revenue

36th percentile

14.00x

Higher debt load relative to revenue than 36% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Net Margin

63rd percentile

15%

Higher net margin than 63% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Top Officer Pay

77th percentile

$309,278

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 3.5% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Asset Growth

89th percentile

8.9%

Faster asset growth than 89% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Revenue Growth

15th percentile

3.8%

Faster revenue growth than 15% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets31st percentile

Assets

Up

$139,894,725

Up $11,463,706 (+8.9%) from 2024

Liabilities

Up

$122,342,312

Up $9,907,165 (+8.8%) from 2024

Net Assets

Up

$17,552,413

Up $1,556,541 (+9.7%) from 2024

Operations
Liabilities / Revenue36th percentileNet Margin63rd percentile

Revenue

Up

$8,735,807

Up $322,653 (+3.8%) from 2024

Expenses

Up

$7,393,751

Up $509,013 (+7.4%) from 2024

Net Income

Down

$1,342,056

Down $186,360 (-12%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth89th percentile

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

$150M$100M$50M$0Assets 2010: $69,639,267Liabilities 2010: $62,520,323Net Assets 2010: $7,118,9442010Assets 2011: $76,015,868Liabilities 2011: $68,612,754Net Assets 2011: $7,403,1142011Assets 2012: $77,744,912Liabilities 2012: $69,710,902Net Assets 2012: $8,034,0102012Assets 2013: $79,191,993Liabilities 2013: $70,963,385Net Assets 2013: $8,228,6082013Assets 2014: $81,942,095Liabilities 2014: $73,410,321Net Assets 2014: $8,531,7742014Assets 2015: $86,292,876Liabilities 2015: $77,739,310Net Assets 2015: $8,553,5662015Assets 2016: $88,727,949Liabilities 2016: $79,721,755Net Assets 2016: $9,006,1942016Assets 2017: $92,466,467Liabilities 2017: $82,860,238Net Assets 2017: $9,606,2292017Assets 2018: $90,933,155Liabilities 2018: $80,748,923Net Assets 2018: $10,184,2322018Assets 2019: $95,014,818Liabilities 2019: $83,915,256Net Assets 2019: $11,099,5622019Assets 2020: $113,296,296Liabilities 2020: $101,591,413Net Assets 2020: $11,704,8832020Assets 2021: $128,580,564Liabilities 2021: $116,185,422Net Assets 2021: $12,395,1422021Assets 2022: $124,800,914Liabilities 2022: $112,121,348Net Assets 2022: $12,679,5662022Assets 2023: $122,192,163Liabilities 2023: $108,092,975Net Assets 2023: $14,099,1882023Assets 2024: $128,431,019Liabilities 2024: $112,435,147Net Assets 2024: $15,995,8722024Assets 2025: $139,894,725Liabilities 2025: $122,342,312Net Assets 2025: $17,552,4132025

Highlighted filing

2025

Assets$139,894,725
Liabilities$122,342,312
Net Assets$17,552,413
Open 2025 Filing

Operations Trend

Revenue Growth15th percentile

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

$10M$5.0M$0Expenses 2010: $4,219,3942010Expenses 2011: $4,478,7172011Expenses 2012: $4,309,7652012Revenue 2013: $4,548,362Expenses 2013: $4,304,498Net Income 2013: $243,8642013Revenue 2014: $4,670,284Expenses 2014: $4,419,613Net Income 2014: $250,6712014Revenue 2015: $4,627,118Expenses 2015: $4,526,690Net Income 2015: $100,4282015Revenue 2016: $4,799,588Expenses 2016: $4,378,229Net Income 2016: $421,3592016Revenue 2017: $5,048,841Expenses 2017: $4,385,157Net Income 2017: $663,6842017Revenue 2018: $5,305,834Expenses 2018: $4,615,760Net Income 2018: $690,0742018Revenue 2019: $5,396,101Expenses 2019: $4,601,905Net Income 2019: $794,1962019Revenue 2020: $5,267,118Expenses 2020: $4,706,489Net Income 2020: $560,6292020Revenue 2021: $5,494,085Expenses 2021: $4,659,142Net Income 2021: $834,9432021Revenue 2022: $5,984,878Expenses 2022: $4,951,544Net Income 2022: $1,033,3342022Revenue 2023: $7,300,435Expenses 2023: $5,820,502Net Income 2023: $1,479,9332023Revenue 2024: $8,413,154Expenses 2024: $6,884,738Net Income 2024: $1,528,4162024Revenue 2025: $8,735,807Expenses 2025: $7,393,751Net Income 2025: $1,342,0562025

Highlighted filing

2025

Revenue$8,735,807
Expenses$7,393,751
Net Income$1,342,056
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$139,894,725
Liabilities
$122,342,312
Net assets
$17,552,413
Revenue
$8,735,807
Expenses
$7,393,751
Net income
$1,342,056
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$140$122$17.6$8.74$7.39$1.34
2024Detailed filing. Detailed filing data is available for this year.$128$112$16.0$8.41$6.88$1.53
2023Detailed filing. Detailed filing data is available for this year.$122$108$14.1$7.30$5.82$1.48
2022Detailed filing. Detailed filing data is available for this year.$125$112$12.7$5.98$4.95$1.03
2021Detailed filing. Detailed filing data is available for this year.$129$116$12.4$5.49$4.66$0.83
2020Detailed filing. Detailed filing data is available for this year.$113$102$11.7$5.27$4.71$0.56
2019Detailed filing. Detailed filing data is available for this year.$95.0$83.9$11.1$5.40$4.60$0.79
2018Detailed filing. Detailed filing data is available for this year.$90.9$80.7$10.2$5.31$4.62$0.69
2017Detailed filing. Detailed filing data is available for this year.$92.5$82.9$9.61$5.05$4.39$0.66
2016Detailed filing. Detailed filing data is available for this year.$88.7$79.7$9.01$4.80$4.38$0.42
2015Detailed filing. Detailed filing data is available for this year.$86.3$77.7$8.55$4.63$4.53$0.10
2014Detailed filing. Detailed filing data is available for this year.$81.9$73.4$8.53$4.67$4.42$0.25
2013Detailed filing. Detailed filing data is available for this year.$79.2$71.0$8.23$4.55$4.30$0.24
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$77.7$69.7$8.03$4.31
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$76.0$68.6$7.40$4.48
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$69.6$62.5$7.12$4.22
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 25, 2026
Return Version
2025v4.0
Gross Receipts
$8,735,807
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$78,693,852$81,983,712▲ $3,289,860
Savings and Temporary Cash Investments$34,242,742$30,498,206▼ $3,744,536
Rtn Earn Endowment Incm Other Fnds$15,995,872$17,552,413▲ $1,556,541
Investments in Publicly Traded Securities$4,345,396$9,105,224▲ $4,759,828
Land, Buildings, and Equipment, Net$3,408,944$7,318,606▲ $3,909,662
Investments Other Securities$3,215,555$5,487,671▲ $2,272,116
Cash and Non-Interest-Bearing Accounts$1,059,485$1,454,441▲ $394,956
Prepaid Expenses and Deferred Charges$271,821$454,723▲ $182,902
Accounts Receivable-$4,730-
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$128,431,019$139,894,725▲ $11,463,706
Other Assets Total$3,193,224$3,587,412▲ $394,188
Liabilities
Other Liabilities$111,578,459$121,601,609▲ $10,023,150
Accounts Payable and Accrued Expenses$856,688$740,703▼ $115,985
Total Liabilities$112,435,147$122,342,312▲ $9,907,165
Net Assets / Fund Balance
Total Net Assets Fund Balance$15,995,872$17,552,413▲ $1,556,541
Total Liabilities and Net Assets / Fund Balance$128,431,019$139,894,725▲ $11,463,706

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$4,632,502$1,285,784$5,918,286
Buildings$1,991,480$1,835,316$3,826,796
Equipment$375,585$8,943$384,528
Land$319,039-$319,039
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jeremy CoberleyCEOFT$227,774$81,504$309,278
Lynne ZanottiVice PresidentFT$119,542$34,349$153,891
Jim BierleinVice PresidentFT$118,057$33,064$151,121
Saree PudvanCFOFT$105,628$9,121$114,749
Cody ArmstrongVice PresidentFT$86,954$6,243$93,197
Megan TaberskiCOOFT$69,291$17,955$87,246

Board Members and Trustees

NameTitle
Norma FelkerChairman
Jennifer DelorgeDirector
Jill BeiselDirector
Jon MorseDirector
Judy SkorniaDirector
Robert Pierce JrDirector
William KeipertTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Lamacchia GroupContractor /design157 MILWAUKEE ST, Milwaukee, WI 53202$3,226,035
VeleraPlastic Card Processing4950 AMON CARTER BLVD, Fort Worth, TX 76155$593,696
Informa Business SystemsAtm Provider5170 HARTSHORN DR, Flushing, MI 48433$416,678
The Drala ProjectConsultingPO BOX 306661, Nashville, TN 37230$358,826
Bay City TreasurerLocal Municipal301 WASHINGTON AVE, Bay City, MI 48708$177,613
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,097,637
Investment Income
$1,673,454
Other Revenue
$-35,284
Change in Net Assets
$1,342,056
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,650,779
Salaries, Compensation, and Employee Benefits$2,742,972
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,462,011
Other Salaries and Wages---$1,335,875
Office Expenses---$1,070,467
Current Officers, Directors, Trustees, and Key Employees---$909,482
Information Technology---$346,538
Advertising---$326,944
Depreciation Depletion---$254,151
Occupancy---$242,423
Other Employee Benefits---$200,158
Payroll Taxes---$156,754
Pension Plan Contributions---$140,703
Travel---$108,770
Insurance---$61,761
Other Expenses---$29,812
Payments to Affiliates---$23,571
All Other Expenses---$22,852
Total Functional Expenses$0$0$0$7,393,751
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
Member Shares$121,337,218
Other Liabilities$264,391
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
No
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
No
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
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

“Section 501c14 credit union is composed of members.”

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

“Members vote on bylaws and charter changes. Members vote and elect board members at annual meeting.”

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

“Mergers are voted on by entire membership.”

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

“Management reviews tax returns and forwards us form 8879-te to tax preparer. Board of directors reviews filed tax return at next scheduled meeting.”

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

“Employee loans including management and the board are approved by a board appointed credit committee.”

Form 990, Part VI, Section B, Line 15B

“President/ceo salary is board reviewed and approved. Board of directors are volunteers are not compensated. President/ceo reviews and approves employee salaries.”

Form 990, Part VI, Section C, Line 19

“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 accesible to the general public. Quarterly financial performance form 5300 call report are available at ncua.gov for all fedrally insured credit unions.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State
EIN
38-1395220
Phone
9898926088
Address
1199 S EUCLID AVE, BAY CITY, MI 48706

Signing Officer

Name
Jeremy Coberley
Title
CEO
Signed
2026-02-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jeremy Coberley
Formed
1950
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
42
Volunteers
11

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Thomas Cvinar
Phone
8005225820
Raw XML AppendixShowing 400 of 489 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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