Civic Intelligence

1199 Cornerstone Community Financial Credit Union

EIN 38-1418001 • 501(c)14 • Auburn Hills, MI

View Organization Page

Profile

Revolutionize the service experience fulfilling the changing needs of members and our communities.

2955 University DriveAuburn Hills, MI 48326

www.ccfinancial.com

Siviq Scores

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

Liabilities / Assets

27th percentile

0.88x

Higher debt load relative to assets than 27% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

26th percentile

13.21x

Higher debt load relative to revenue than 26% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

41st percentile

8.1%

Higher net margin than 41% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

64th percentile

4.4%

Faster asset growth than 64% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

47th percentile

14%

Faster revenue growth than 47% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets27th percentile

Assets

Up

$423,738,714

Up $17,937,945 (+4.4%) from 2023

Liabilities

Up

$373,511,709

Up $15,558,715 (+4.3%) from 2023

Net Assets

Up

$50,227,005

Up $2,379,230 (+5.0%) from 2023

Operations
Liabilities / Revenue26th percentileNet Margin41st percentile

Revenue

Up

$28,282,702

Up $3,417,919 (+14%) from 2023

Expenses

Up

$25,989,490

Up $3,377,699 (+15%) from 2023

Net Income

Up

$2,293,212

Up $40,220 (+1.8%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth64th percentile

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

$600M$400M$200M$0Assets 2015: $262,087,430Liabilities 2015: $230,814,526Net Assets 2015: $31,272,9042015Assets 2016: $272,282,111Liabilities 2016: $239,622,346Net Assets 2016: $32,659,7652016Assets 2017: $269,342,427Liabilities 2017: $234,701,856Net Assets 2017: $34,640,5712017Assets 2018: $284,138,924Liabilities 2018: $247,457,285Net Assets 2018: $36,681,6392018Assets 2019: $288,188,015Liabilities 2019: $250,006,827Net Assets 2019: $38,181,1882019Assets 2020: $328,529,665Liabilities 2020: $288,455,938Net Assets 2020: $40,073,7272020Assets 2021: $371,170,169Liabilities 2021: $326,910,905Net Assets 2021: $44,259,2642021Assets 2022: $409,250,365Liabilities 2022: $361,318,282Net Assets 2022: $47,932,0832022Assets 2023: $405,800,769Liabilities 2023: $357,952,994Net Assets 2023: $47,847,7752023Assets 2024: $423,738,714Liabilities 2024: $373,511,709Net Assets 2024: $50,227,0052024

Highlighted filing

2024

Assets$423,738,714
Liabilities$373,511,709
Net Assets$50,227,005
Open 2024 Filing

Operations Trend

Revenue Growth47th percentile

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

$30M$20M$10M$0Revenue 2015: $15,230,939Expenses 2015: $11,741,352Net Income 2015: $3,489,5872015Revenue 2016: $13,763,979Expenses 2016: $12,486,924Net Income 2016: $1,277,0552016Revenue 2017: $13,102,216Expenses 2017: $11,183,779Net Income 2017: $1,918,4372017Revenue 2018: $14,753,782Expenses 2018: $12,712,714Net Income 2018: $2,041,0682018Revenue 2019: $16,149,680Expenses 2019: $14,650,131Net Income 2019: $1,499,5492019Revenue 2020: $16,335,314Expenses 2020: $14,442,775Net Income 2020: $1,892,5392020Revenue 2021: $18,739,193Expenses 2021: $14,499,595Net Income 2021: $4,239,5982021Revenue 2022: $21,603,999Expenses 2022: $16,880,842Net Income 2022: $4,723,1572022Revenue 2023: $24,864,783Expenses 2023: $22,611,791Net Income 2023: $2,252,9922023Revenue 2024: $28,282,702Expenses 2024: $25,989,490Net Income 2024: $2,293,2122024

Highlighted filing

2024

Revenue$28,282,702
Expenses$25,989,490
Net Income$2,293,212
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$423,738,714
Liabilities
$373,511,709
Net assets
$50,227,005
Revenue
$28,282,702
Expenses
$25,989,490
Net income
$2,293,212
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$424$374$50.2$28.3$26.0$2.29
2023Detailed filing. Detailed filing data is available for this year.$406$358$47.8$24.9$22.6$2.25
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$409$361$47.9$21.6$16.9$4.72
2021Detailed filing. Detailed filing data is available for this year.$371$327$44.3$18.7$14.5$4.24
2020Detailed filing. Detailed filing data is available for this year.$329$288$40.1$16.3$14.4$1.89
2019Detailed filing. Detailed filing data is available for this year.$288$250$38.2$16.1$14.7$1.50
2018Detailed filing. Detailed filing data is available for this year.$284$247$36.7$14.8$12.7$2.04
2017Detailed filing. Detailed filing data is available for this year.$269$235$34.6$13.1$11.2$1.92
2016Detailed filing. Detailed filing data is available for this year.$272$240$32.7$13.8$12.5$1.28
2015Detailed filing. Detailed filing data is available for this year.$262$231$31.3$15.2$11.7$3.49
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 2, 2025
Return Version
2024v5.2
Gross Receipts
$28,282,702
Mission and Program Overview

Mission

Revolutionize the service experience fulfilling the changing needs of members and our communities.

We are committed to being a leading community-focused credit union that is the cornerstone to helping members achieve their financial goals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$340,796,894$358,444,962▲ $17,648,068
Rtn Earn Endowment Incm Other Fnds$47,847,775$50,227,005▲ $2,379,230
Savings and Temporary Cash Investments$24,502,823$26,262,785▲ $1,759,962
Land, Buildings, and Equipment, Net$10,815,685$13,610,446▲ $2,794,761
Investments in Publicly Traded Securities$6,653,194$5,915,101▼ $738,093
Receivables From Officers Etc$5,467,290$5,312,982▼ $154,308
Investments Other Securities$2,605,300$2,830,300▲ $225,000
Cash and Non-Interest-Bearing Accounts$2,535,553$2,743,729▲ $208,176
Prepaid Expenses and Deferred Charges$1,208,733$1,027,688▼ $181,045
Accounts Receivable$2,565,099$819,593▼ $1,745,506
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$405,800,769$423,738,714▲ $17,937,945
Other Assets Total$8,650,198$6,771,128▼ $1,879,070
Liabilities
Other Liabilities$313,734,230$323,096,829▲ $9,362,599
Mortgage Notes Payable Secured by Investment Property$42,000,000$47,000,000▲ $5,000,000
Accounts Payable and Accrued Expenses$2,218,764$3,414,880▲ $1,196,116
Total Liabilities$357,952,994$373,511,709▲ $15,558,715
Net Assets / Fund Balance
Total Net Assets Fund Balance$47,847,775$50,227,005▲ $2,379,230
Total Liabilities and Net Assets / Fund Balance$405,800,769$423,738,714▲ $17,937,945

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,429,971$3,967,723$12,397,694
Equipment$1,882,575$6,913,010$8,795,585
Land$2,913,939-$2,913,939
Other Land Buildings$337,349$1,219,142$1,556,491
Leasehold Improvements$46,612$53,789$100,401
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Heidi KassabPresident/CEOFT$382,518$96,132$478,650
Christopher MangenoChief Lending OfficerFT$183,040$78,525$261,565
Jennifer DickeyChief Experience OfficerFT$198,610$54,886$253,496
Steve FloresChief Innovation OfficerFT$145,263$67,646$212,909
Suzanne MartinVP of Retail SalesFT$166,944$33,320$200,264
David ShoseyVP of ItFT$139,788$56,037$195,825
Robert StierCFOFT$156,837$33,566$190,403
Autumn NanasiVP of Culture and TalentFT$144,294$40,206$184,500
Heather HermesDirector of Lending & CollectionsFT$113,564$18,491$132,055
Gabrielle ChampineVP of Brand & GrowthFT$122,550$4,292$126,842
Alexandra Wolf GarshottDirector of RetailFT$102,997$16,155$119,152
Christopher DegenLending ManagerFT$108,824$8,381$117,205

Board Members and Trustees

NameTitle
Leo MosesChairperson
Timothy McglincheyVice Chairperson
Brian BeaumontDirector
David WoodwardDirector
Jackie MaconDirector
John Else IiDirector
Lori OzdowyDirector
Timothy GreenSecretary
Chris BakerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry And Associates INCCore Processing SystemPO BOX 609, Monett, MO 65708$890,078
Ronnisch Construction GroupConstruction4327 DELEMERE CT, Royal Oak, MI 48073$437,775
Sues LandscapingLandscaping1000 BENSTEIN RD, Walled Lake, MI 48390$375,952
Marquis Software Solutions INCCustomer ManagementPO BOX 660919, Dallas, TX 75266$257,761
Hutch PavingPaving Contractor3000E 10 MILE ROAD, Warren, MI 48091$235,314
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$26,481,092
Investment Income
$1,786,505
Other Revenue
$15,105
Change in Net Assets
$2,293,212

Audited Revenue Reconciliation

Revenue per Audited Statements
$28,282,702
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$28,282,702
Total Revenue per Form 990
$28,282,702
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$17,264,651
Salaries, Compensation, and Employee Benefits$8,714,839
Grants and Similar Amounts Paid$10,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$7,167,703
Other Salaries and Wages---$5,228,395
Current Officers, Directors, Trustees, and Key Employees---$1,781,787
Information Technology---$1,379,581
Depreciation Depletion---$1,001,046
Occupancy---$904,546
Advertising---$894,966
Other Employee Benefits---$720,450
All Other Expenses---$691,660
Office Expenses---$606,654
Payroll Taxes---$550,824
Other Expenses---$439,741
Pension Plan Contributions---$433,383
Insurance---$156,712
Fees for Services Accounting---$122,351
Payments to Affiliates---$67,840
Travel---$36,728
Fees for Services Other---$21,383
Conferences and Meetings---$15,810
Grants to Domestic Individuals---$10,000
Fees for Services Legal---$9,546
Total Functional Expenses$0$0$0$25,989,490

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$25,989,490
Total Expenses per Audited Statements$25,989,490
Total Expenses per Form 990$25,989,490
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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 Officers, Directors, Trustees, and Key Employees$5,467,290$5,312,982▼ $154,308
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Certificates of Deposit$111,419,249
Money Markets$73,214,408
Regular Shares$71,468,725
Share Drafts$64,090,856
Ira Shares$2,903,591
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 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

“All account holders are referred to as members.”

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

“The credit union membership elects the board of directors which govern the operations of the credit union.”

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

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

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

“The form 990 is prepared by an independent cpa firm and reviewed by management prior to submission.”

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

“Account relationships are monitored by the internal auditor. Any business relationships would be reviewed by the ceo or chairman as applicable.”

Form 990, Part VI, Section B, Line 15

“An independent consultant is used in the review process of the ceo. The board reviews the evaluation and compensation levels. All other employees are reviewed by their supervisor and evaluations are approved by the ceo.”

Form 990, Part VI, Section C, Line 19

“The credit union's conflict of interest policy and governing documents are not made available to the public. Financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
1199 Cornerstone Community Financial
EIN
38-1418001
Phone
2483409310
Address
2955 UNIVERSITY DRIVE, AUBURN HILLS, MI 48326

Signing Officer

Name
Heidi Kassab
Title
CEO
Phone
2483409310
Signed
2025-10-02

Organization Details

Principal Officer
Heidi Kassab
Formed
1951
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
123
Volunteers
9

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other professional fees 21,383.”

Form 990, Part IX, Line 24E

“Miscellaneous expenses 335,942. Education and training 257,302. Atm expenses 98,416.”

FORM 990, PART XII, LINE 2C:

“The organization has a committee that assumes responsibility for the oversight of the audit of the financial statements and the selection of an independent accountant. This process has not changed from previous years.”

Financial Statement Notes

PART X, LINE 2:

“Income taxes the credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union. The credit union's open audit period is for the three year period ended december 31, 2024.”

Raw XML AppendixShowing 400 of 686 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/Form990PartVIISectionAGrp/PersonNm6LORI OZDOWY
IRS990/Form990PartVIISectionAGrp/PersonNm7JACKIE MACON
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IRS990/Form990PartVIISectionAGrp/PersonNm14SUZANNE MARTIN
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IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF INNOVATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP OF RETAIL SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP OF CULTURE AND TALENT
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP OF IT
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP OF BRAND & GROWTH
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR OF LENDING & COLLECTIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt19LENDING MANAGER
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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE DEPOSIT SERVICES TO OVER 25,000 MEMBERS. MEMBERS DEPOSITS APPROXIMATED $323 MILLION AS OF DECEMBER 31, 2024.
IRS990/ProgSrvcAccomActy3Grp/Desc0ESTABLISHED 3,100 NEW MEMBERSHIPS IN 2024.
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