Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2020 • EIN 38-1435020

Jan 01, 2020 to Dec 31, 2020 • Filed on Apr 23, 2021

Organization Profilewww.copoco.org

View Organization Page

PO Box 1520Bay City, MI 48706

(989) 684-1873

Siviq Scores

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

Liabilities / Assets

88th percentile

0.92x

Higher debt load relative to assets than 88% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Liabilities / Revenue

62nd percentile

21.46x

Higher debt load relative to revenue than 62% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Net Margin

23rd percentile

4.4%

Higher net margin than 23% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Top Officer Pay

9th percentile

$131,108

Higher top officer pay than 9% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Asset Growth

42nd percentile

16%

Faster asset growth than 42% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Revenue Growth

24th percentile

-7.4%

Faster revenue growth than 24% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$111,491,350

Up $15,529,471 (+16%) from 2019

Net Assets

Up

$8,716,825

Up $561,329 (+6.9%) from 2019

Liabilities

Up

$102,774,525

Up $14,968,142 (+17%) from 2019

Revenue And Expenses
Liabilities / Revenue62nd percentileNet Margin23rd percentile

Revenue

Down

$4,788,902

Down $385,468 (-7.4%) from 2019

Expenses

Down

$4,579,518

Down $186,275 (-3.9%) from 2019

Net Income

Down

$209,384

Down $199,193 (-49%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth42nd percentile

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

$150M$100M$50M$0Assets 2010: $92,609,589Liabilities 2010: $84,035,037Net Assets 2010: $8,574,5522010Assets 2011: $96,714,640Liabilities 2011: $87,834,650Net Assets 2011: $8,879,9902011Assets 2012: $98,237,022Liabilities 2012: $88,828,523Net Assets 2012: $9,408,4992012Assets 2013: $100,013,165Liabilities 2013: $91,394,015Net Assets 2013: $8,619,1502013Assets 2014: $101,773,408Liabilities 2014: $93,366,829Net Assets 2014: $8,406,5792014Assets 2015: $100,699,830Liabilities 2015: $92,807,821Net Assets 2015: $7,892,0092015Assets 2016: $99,943,793Liabilities 2016: $93,732,860Net Assets 2016: $6,210,9332016Assets 2017: $98,435,487Liabilities 2017: $91,871,224Net Assets 2017: $6,564,2632017Assets 2018: $96,817,311Liabilities 2018: $89,776,809Net Assets 2018: $7,040,5022018Assets 2019: $95,961,879Liabilities 2019: $87,806,383Net Assets 2019: $8,155,4962019Assets 2020: $111,491,350Liabilities 2020: $102,774,525Net Assets 2020: $8,716,8252020Assets 2021: $120,251,871Liabilities 2021: $112,313,725Net Assets 2021: $7,938,1462021Assets 2022: $116,275,135Liabilities 2022: $112,031,226Net Assets 2022: $4,243,9092022Assets 2023: $107,996,151Liabilities 2023: $104,234,234Net Assets 2023: $3,761,9172023Assets 2024: $101,556,631Liabilities 2024: $94,981,143Net Assets 2024: $6,575,4882024

Highlighted filing

2020

Assets$111,491,350
Liabilities$102,774,525
Net Assets$8,716,825
Open 2020 Filing

Operations Trend

Revenue Growth24th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $5,888,6712010Expenses 2011: $5,614,9302011Expenses 2012: $5,496,9082012Revenue 2013: $5,676,037Expenses 2013: $5,692,232Net Income 2013: -$16,1952013Revenue 2014: $5,515,306Expenses 2014: $5,597,940Net Income 2014: -$82,6342014Revenue 2015: $5,565,130Expenses 2015: $6,144,081Net Income 2015: -$578,9512015Revenue 2016: $5,545,486Expenses 2016: $6,998,219Net Income 2016: -$1,452,7332016Revenue 2017: $5,448,922Expenses 2017: $5,214,893Net Income 2017: $234,0292017Revenue 2018: $5,423,306Expenses 2018: $4,743,937Net Income 2018: $679,3692018Revenue 2019: $5,174,370Expenses 2019: $4,765,793Net Income 2019: $408,5772019Revenue 2020: $4,788,902Expenses 2020: $4,579,518Net Income 2020: $209,3842020Revenue 2021: $4,676,289Expenses 2021: $4,507,981Net Income 2021: $168,3082021Revenue 2022: $4,868,820Expenses 2022: $4,385,924Net Income 2022: $482,8962022Revenue 2023: $4,560,622Expenses 2023: $6,403,314Net Income 2023: -$1,842,6922023Revenue 2024: $5,945,099Expenses 2024: $5,377,964Net Income 2024: $567,1352024

Highlighted filing

2020

Revenue$4,788,902
Expenses$4,579,518
Net Income$209,384
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Apr 23, 2021
Return Version
2020v4.0
Gross Receipts
$5,301,713
Mission and Program Overview

Mission

To provide excellence in service, helping each member realize their financial goals and dreams.

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$57,157,739$51,692,903▼ $5,464,836
Investments Other Securities$20,357,643$34,022,986▲ $13,665,343
Savings and Temporary Cash Investments$8,939,445$15,352,748▲ $6,413,303
Rtn Earn Endowment Incm Other Fnds$8,155,496$8,716,825▲ $561,329
Land, Buildings, and Equipment, Net$3,751,070$3,706,650▼ $44,420
Investments in Publicly Traded Securities$1,853,737$2,055,392▲ $201,655
Cash and Non-Interest-Bearing Accounts$1,628,619$1,990,605▲ $361,986
Accounts Receivable$293,281$558,358▲ $265,077
Investments Program Related$425,200$425,200→ $0
Prepaid Expenses and Deferred Charges$243,807$372,386▲ $128,579
Receivables From Officers Etc$168,011$92,937▼ $75,074
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$95,961,879$111,491,350▲ $15,529,471
Other Assets Total$1,143,327$1,221,185▲ $77,858
Liabilities
Other Liabilities$85,638,906$101,537,813▲ $15,898,907
Accounts Payable and Accrued Expenses$2,167,477$1,236,712▼ $930,765
Total Liabilities$87,806,383$102,774,525▲ $14,968,142
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,155,496$8,716,825▲ $561,329
Total Liabilities and Net Assets / Fund Balance$95,961,879$111,491,350▲ $15,529,471

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,973,929-$2,973,929
Land$527,676-$527,676
Equipment$204,042-$204,042
Leasehold Improvements$1,003-$1,003
Compensation and Service Providers
Top Officer Pay9th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Linda DoanCEO/TreasurerFT$130,062$1,046$131,108
Doreen SmithExecutive VPFT$89,888$16,274$106,162

Board Members and Trustees

NameTitle
Alan ShurkeyChairperson
John TippmanVice Chair
Harold MillerDirector
Sean KellyDirector
Trevor KeyesDirector
Ed ClementsSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservData processingPO BOX 934057, Atlanta, GA 31193-4057$698,474
Health Alliance PlanHealth insurancePO Box 67000, Detroit, MI 48267-2703$138,981
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,055,033
Investment Income
$712,455
Other Revenue
$21,414
Change in Net Assets
$209,384
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,558,233
Salaries, Compensation, and Employee Benefits$2,021,285
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,211,666
Office Expenses---$439,097
Information Technology---$366,377
Fees for Services Other---$322,921
Pension Plan Contributions---$305,010
Current Officers, Directors, Trustees, and Key Employees---$237,270
Depreciation Depletion---$177,318
Other Employee Benefits---$162,110
Occupancy---$142,042
Interest---$123,254
Payroll Taxes---$105,229
All Other Expenses---$85,483
Fees for Services Legal---$67,160
Fees for Services Accounting---$51,855
Other Expenses---$46,023
Advertising---$45,884
Fees for Services Management---$39,129
Conferences and Meetings---$34,483
Insurance---$34,047
Fees for Service Investment Mgmnt Fees---$16,430
Total Functional Expenses$0$0$0$4,579,518
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$168,011$92,937▼ $75,074
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$101,537,813
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
No
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 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 Credit Committee.”

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
COPOCO Community Credit Union
EIN
38-1435020
Phone
9896841873
Address
PO Box 1520, Bay City, MI 48706

Signing Officer

Name
Doreen Smith
Title
Executive VP
Signed
2021-04-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Linda Doan
Formed
1951
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
6
Employees
54
Volunteers
9

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Patrick Haughey
Phone
8005225820
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Changes in Other Comprehensive = -$225576”

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.

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IRS990/NetAssetsOrFundBalancesBOYAmt08155496
IRS990/NetAssetsOrFundBalancesEOYAmt08716825
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt015192
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt015192
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt021414
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt021414
IRS990/NetUnrlzdGainsLossesInvstAmt0577521
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0142042
IRS990/OfficeExpensesGrp/TotalAmt0439097
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01143327
IRS990/OtherAssetsTotalGrp/EOYAmt01221185
IRS990/OtherChangesInNetAssetsAmt0-225576
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0162110
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1ATM Expense
IRS990/OtherExpensesGrp/Desc2Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc3Fraud Loss
IRS990/OtherExpensesGrp/TotalAmt0332890
IRS990/OtherExpensesGrp/TotalAmt1127165
IRS990/OtherExpensesGrp/TotalAmt2106675
IRS990/OtherExpensesGrp/TotalAmt346023
IRS990/OtherLiabilitiesGrp/BOYAmt085638906
IRS990/OtherLiabilitiesGrp/EOYAmt0101537813
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt01211666
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt057157739
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt051692903
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0105229
IRS990/PensionPlanContributionsGrp/TotalAmt0305010
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0243807
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0372386
IRS990/PrincipalOfficerNm0Linda Doan
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0524298
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/Desc0Fee Income
IRS990/ProgramServiceRevenueGrp/Desc1Loan Interest Income
IRS990/ProgramServiceRevenueGrp/Desc2Non-Member ATM Fees
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01211497
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12817887
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01218192
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12817887
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt218954
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt06695
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt118954
IRS990/ProgSrvcAccomActy2Grp/Desc0The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2020 was 6,647.
IRS990/ProgSrvcAccomActy3Grp/Desc0Offer ATM Services, Check cashing, Wire transfers, Insurance/Investments sales, Bill pay, Overdraft/Courtesy pay, Financial education, Gift cards, Money Orders, and Electronic Fund Transfers to all eligible members.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0671135
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt02561959
IRS990/PYOtherRevenueAmt030053
IRS990/PYProgramServiceRevenueAmt04473182
IRS990/PYRevenuesLessExpensesAmt0408577
IRS990/PYSalariesCompEmpBnftPaidAmt02203834
IRS990/PYTotalExpensesAmt04765793
IRS990/PYTotalRevenueAmt05174370
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0168011
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt092937
IRS990/ReconcilationRevenueExpnssAmt0209384
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt021414
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08155496
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08716825
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08939445
IRS990/SavingsAndTempCashInvstGrp/EOYAmt015352748
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt02973929
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02973929
IRS990ScheduleD/EquipmentGrp/BookValueAmt0204042
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0204042
IRS990ScheduleD/LandGrp/BookValueAmt0527676
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0527676
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01003
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01003
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0101537813
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03706650
IRS990ScheduleD/TotalBookValueSecuritiesAmt034022986
IRS990ScheduleD/TotalLiabilityAmt0101537813
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt063214
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt129723
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Vehicle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0105000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt139887
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Doreen Smith
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Doreen Smith
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Executive VP
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Exec VP
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/TotalBalanceDueAmt092937
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Credit Committee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Credit 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/ExplanationTxt5Changes in Other Comprehensive = -$225576
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other Changes In Net Assets Or Fund Balances - Other Decreases
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt095961879
IRS990/TotalAssetsEOYAmt0111491350
IRS990/TotalAssetsGrp/BOYAmt095961879
IRS990/TotalAssetsGrp/EOYAmt0111491350
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt054
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt04579518
IRS990/TotalGrossUBIAmt025649
IRS990/TotalLiabilitiesBOYAmt087806383
IRS990/TotalLiabilitiesEOYAmt0102774525
IRS990/TotalLiabilitiesGrp/BOYAmt087806383
IRS990/TotalLiabilitiesGrp/EOYAmt0102774525
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08155496
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08716825
IRS990/TotalOtherCompensationAmt017320
IRS990/TotalProgramServiceRevenueAmt04055033
IRS990/TotalReportableCompFromOrgAmt0219950
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04763253
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04788902
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt025649
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt095961879
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0111491350
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO Box 1520
IRS990/USAddress/CityNm0Bay City
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd0487060520
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0www.copoco.org
IRS990/WhistleblowerPolicyInd0true

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$111,491,350
Liabilities
$102,774,525
Net assets
$8,716,825
Revenue
$4,788,902
Expenses
$4,579,518
Net income
$209,384
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$102$95.0$6.58$5.95$5.38$0.57
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$108$104$3.76$4.56$6.40$1.84
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$116$112$4.24$4.87$4.39$0.48
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$120$112$7.94$4.68$4.51$0.17
2020Detailed filing. Detailed filing data is available for this year.$111$103$8.72$4.79$4.58$0.21
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$96.0$87.8$8.16$5.17$4.77$0.41
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$96.8$89.8$7.04$5.42$4.74$0.68
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$98.4$91.9$6.56$5.45$5.21$0.23
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$99.9$93.7$6.21$5.55$7.00$1.45
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$101$92.8$7.89$5.57$6.14$0.58
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$102$93.4$8.41$5.52$5.60$0.08
2013Detailed filing. Detailed filing data is available for this year.$100$91.4$8.62$5.68$5.69$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$98.2$88.8$9.41$5.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$96.7$87.8$8.88$5.61
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$92.6$84.0$8.57$5.89
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