Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2013 • EIN 38-1438667

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 21, 2014

Organization ProfileWWW.CONSUMERSCU.ORG

View Organization Page

7040 Stadium DriveKalamazoo, MI 49077-0525

(269) 345-7804

Siviq Scores

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

Liabilities / Assets

60th percentile

0.90x

Higher debt load relative to assets than 60% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

14th percentile

13.12x

Higher debt load relative to revenue than 14% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

71st percentile

19%

Higher net margin than 71% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

92nd percentile

$718,012

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

96th percentile

17%

Faster asset growth than 96% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets60th percentile

Assets

Up

$502,053,125

Up $71,429,282 (+17%) from 2012

Net Assets

Up

$48,770,388

Up $6,604,708 (+16%) from 2012

Liabilities

Up

$453,282,737

Up $64,824,574 (+17%) from 2012

Revenue And Expenses
Liabilities / Revenue14th percentileNet Margin71st percentile

Revenue

$34,536,952

No earlier filing loaded for comparison.

Expenses

Up

$27,932,244

Up $4,327,261 (+18%) from 2012

Net Income

$6,604,708

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth96th percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $352,828,373Liabilities 2010: $321,300,600Net Assets 2010: $31,527,7732010Assets 2011: $364,238,000Liabilities 2011: $330,496,833Net Assets 2011: $33,741,1672011Assets 2012: $430,623,843Liabilities 2012: $388,458,163Net Assets 2012: $42,165,6802012Assets 2013: $502,053,125Liabilities 2013: $453,282,737Net Assets 2013: $48,770,3882013Assets 2014: $587,472,564Liabilities 2014: $530,676,656Net Assets 2014: $56,795,9082014Assets 2015: $676,198,799Liabilities 2015: $610,852,438Net Assets 2015: $65,346,3612015Assets 2016: $809,890,682Liabilities 2016: $734,127,160Net Assets 2016: $75,763,5222016Assets 2017: $934,275,386Liabilities 2017: $846,261,747Net Assets 2017: $88,013,6392017Assets 2018: $1,092,793,146Liabilities 2018: $992,393,579Net Assets 2018: $100,399,5672018Assets 2019: $1,242,455,564Liabilities 2019: $1,126,308,486Net Assets 2019: $116,147,0782019Assets 2020: $1,476,727,502Liabilities 2020: $1,339,887,600Net Assets 2020: $136,839,9022020Assets 2021: $1,803,218,783Liabilities 2021: $1,638,240,761Net Assets 2021: $164,978,0222021Assets 2022: $2,031,988,351Liabilities 2022: $1,843,965,051Net Assets 2022: $188,023,3002022Assets 2023: $2,206,395,595Liabilities 2023: $2,003,843,255Net Assets 2023: $202,552,3402023Assets 2024: $2,421,874,191Liabilities 2024: $2,197,443,226Net Assets 2024: $224,430,9652024

Highlighted filing

2013

Assets$502,053,125
Liabilities$453,282,737
Net Assets$48,770,388
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$200M$150M$100M$50M$0Expenses 2010: $28,816,9582010Expenses 2011: $26,796,3862011Expenses 2012: $23,604,9832012Revenue 2013: $34,536,952Expenses 2013: $27,932,244Net Income 2013: $6,604,7082013Revenue 2014: $37,783,410Expenses 2014: $29,757,890Net Income 2014: $8,025,5202014Revenue 2015: $42,934,409Expenses 2015: $34,383,956Net Income 2015: $8,550,4532015Revenue 2016: $49,668,739Expenses 2016: $39,251,578Net Income 2016: $10,417,1612016Revenue 2017: $56,872,419Expenses 2017: $44,622,302Net Income 2017: $12,250,1172017Revenue 2018: $68,117,784Expenses 2018: $55,731,856Net Income 2018: $12,385,9282018Revenue 2019: $82,426,936Expenses 2019: $66,679,425Net Income 2019: $15,747,5112019Revenue 2020: $95,997,052Expenses 2020: $75,304,228Net Income 2020: $20,692,8242020Revenue 2021: $105,757,638Expenses 2021: $77,619,518Net Income 2021: $28,138,1202021Revenue 2022: $106,396,713Expenses 2022: $83,351,435Net Income 2022: $23,045,2782022Revenue 2023: $132,085,885Expenses 2023: $110,953,066Net Income 2023: $21,132,8192023Revenue 2024: $160,612,923Expenses 2024: $138,734,298Net Income 2024: $21,878,6252024

Highlighted filing

2013

Revenue$34,536,952
Expenses$27,932,244
Net Income$6,604,708
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 21, 2014
Return Version
2013v3.0
Gross Receipts
$37,880,084
Mission and Program Overview

Mission

To provide quality and innovative financial products and services that contribute to the economic and social well-being of our membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$346,290,643$419,682,191▲ $73,391,548
Rtn Earn Endowment Incm Other Fnds$42,165,680$48,770,388▲ $6,604,708
Savings and Temporary Cash Investments$36,891,747$40,416,961▲ $3,525,214
Land, Buildings, and Equipment, Net$22,470,129$21,860,674▼ $609,455
Cash and Non-Interest-Bearing Accounts$9,587,161$6,702,213▼ $2,884,948
Investments Other Securities$0$2,109,896▲ $2,109,896
Prepaid Expenses and Deferred Charges$422,715$833,971▲ $411,256
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$430,623,843$502,053,125▲ $71,429,282
Other Assets Total$14,961,448$10,447,219▼ $4,514,229
Liabilities
Other Liabilities$354,731,627$410,303,304▲ $55,571,677
Mortgage Notes Payable Secured by Investment Property$30,000,000$39,000,000▲ $9,000,000
Accounts Payable and Accrued Expenses$3,726,536$3,979,433▲ $252,897
Total Liabilities$388,458,163$453,282,737▲ $64,824,574
Net Assets / Fund Balance
Total Net Assets Fund Balance$42,165,680$48,770,388▲ $6,604,708
Total Liabilities and Net Assets / Fund Balance$430,623,843$502,053,125▲ $71,429,282

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,061,499$1,991,757$12,053,256
Equipment$2,896,931$7,719,134$10,616,065
Land$7,995,008-$7,995,008
Leasehold Improvements$804,646$270,094$1,074,740
Other Land Buildings$102,590-$102,590
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kit SnyderCEOFT$337,423$380,589$718,012
Scott SylvesterCOOFT$163,290$85,599$248,889
Steve HowardCFOFT$123,514$57,471$180,985
Steve OwensVP of LendingFT$115,964$53,819$169,783

Board Members and Trustees

NameTitle
Brad LawtonChairperson
Rodney AdamsVice Chairperson
Brent BassettDirector
Kevin McphersonDirector
Kim ShookDirector
Nancy ThompsonDirector
Daniel CrandallDirector (part Year)
Stephanie MorleyDirector (part Year)
PATRICK O'CONNORSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Lennon Miller O'connor & BartosiewiczLegal Services-$147,096
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$34,556,510
Investment Income
$-19,558
Other Revenue
$0
Change in Net Assets
$6,604,708

Audited Revenue Reconciliation

Revenue per Audited Statements
$34,767,504
Revenue Not Reported on Financial Statements
$-230,552
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-230,552
Total Revenue per Audited Statements
$34,767,504
Total Revenue per Form 990
$34,536,952
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,690,273
Salaries, Compensation, and Employee Benefits$12,241,971
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$8,454,138
Office Expenses---$2,559,187
Other Employee Benefits---$1,485,751
Depreciation Depletion---$1,456,086
Advertising---$1,388,597
Information Technology---$949,697
Occupancy---$908,988
Current Officers, Directors, Trustees, and Key Employees---$898,997
Payroll Taxes---$755,781
Interest---$659,966
Pension Plan Contributions---$647,304
All Other Expenses---$528,974
Fees for Services Legal---$341,113
Other Expenses---$332,485
Travel---$177,804
Conferences and Meetings---$87,259
Fees for Services Accounting---$53,533
Insurance---$47,284
Total Functional Expenses$0$0$0$27,932,244

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$28,162,796
Expenses per Audited Statements$27,932,244
Total Expenses per Form 990$27,932,244
Expenses Not Reported on Form 990$230,552
Expenses Not Reported on Financial Statements$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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$410,303,304
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Each individual that has an account with the credit union is a member.”

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

“Each member is allowed to vote for the governing body at the annual meeting.”

Form 990, Part VI, Section B, Line 11

“The form 990 will not be provided to the organization's governing body for review prior to filing. Members of management will review the 990 prior to filing.”

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

“The organization uses independent compensation consultants and compensation surveys to determine compensation of top management officials. Compensation is addressed in written employement contracts and approved by the board of directors and the compensation committee. All discussions and decisions are documented in the board minutes. The most recent year this process was undertaken was 2013.”

Form 990, Part VI, Section C, Line 19

“Documents that are open to public inspection are available upon request.”

Filing and Contact Details

Filer

EIN
38-1438667
Phone
2693457804

Signing Officer

Name
Kit Snyder
Title
CEO
Phone
2693457804
Signed
2014-11-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kit Snyder
Formed
1951
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
215
Volunteers
7

Preparer

Preparer
Kenley Penner CPA
Phone
2699828000
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“Audit oversight process has not changed from the prior year.”

FORM 990, PART X, LINE 5 AND SCHEDULE L:

“Schedule l is not required for loans receivable balances on form 990, part x, line 5 if the loans are made by the credit union to the directors, officers, and key employees on the same terms offered to other members of the credit union. Therefore, the credit union has included approximately $1,553,000 and $747,000 of receivables from current officers, directors, trustees, key employees, and highest compensated employees for 2013 and 2012, respectively, within form 990, part x, line 7.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute, from federal income taxes on income related to the exempt purpose of the credit union. The credit union is a state-chartered credit union described in internal revenue code ("irc") section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. Many states have similar laws. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been an issue for many years. In 2007, the internal revenue service ("irs") issued a series of technical advice memoranda ("tam") to a number of state-chartered credit unions located throughout the country. In these tams, the irs ruled certain products and services to be subject to taxation as unrelated business income. In light of the tams, the credit union has assessed its activities and any potential federal or state income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purpose is not expected to have a material effect on the credit union's financial position or results of operations.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Loss on other real estate owned -230,552.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Loss on other real estate owned 230,552.”

Raw XML AppendixShowing 400 of 504 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt03726536
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt03979433
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE QUALITY AND INNOVATIVE FINANCIAL PRODUCTS AND SERVICES THAT CONTRIBUTE TO THE ECONOMIC AND SOCIAL WELL-BEING OF OUR MEMBERSHIP.
IRS990/AdvertisingGrp/TotalAmt01388597
IRS990/AllOtherExpensesGrp/TotalAmt0528974
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine10STEVE HOWARD
IRS990/BooksInCareOfDetail/PhoneNum02693457804
IRS990/BooksInCareOfDetail/USAddress/AddressLine107040 STADIUM DRIVE
IRS990/BooksInCareOfDetail/USAddress/City0OSHTEMO
IRS990/BooksInCareOfDetail/USAddress/State0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCode049077
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt09587161
IRS990/CashNonInterestBearingGrp/EOYAmt06702213
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0898997
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt087259
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0147096
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine10151 SOUTH ROSE STREET
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City0KALAMAZOO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State0MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode049007
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine10LENNON MILLER O'CONNOR & BARTOSIEWICZ
IRS990/ContractorCompensationGrp/ServicesDesc0LEGAL SERVICES
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0-19558
IRS990/CYOtherExpensesAmt015690273
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt034556510
IRS990/CYRevenuesLessExpensesAmt06604708
IRS990/CYSalariesCompEmpBnftPaidAmt012241971
IRS990/CYTotalExpensesAmt027932244
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt034536952
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt01456086
IRS990/Desc0SERVED APPROXIMATELY 55,387 MEMBERS BY OFFERING LOANS, DEPOSITS, AND VARIOUS OTHER FINANCIAL PRODUCTS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0215
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt053533
IRS990/FeesForServicesLegalGrp/TotalAmt0341113
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt04.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt14.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt24.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt34.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt44.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt54.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt64.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt74.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt84.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt950.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1050.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1150.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1250.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt9232989
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1029256
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1128482
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1238681
IRS990/Form990PartVIISectionAGrp/PersonNm0BRAD LAWTON
IRS990/Form990PartVIISectionAGrp/PersonNm1RODNEY ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm2PATRICK O'CONNOR
IRS990/Form990PartVIISectionAGrp/PersonNm3BRENT BASSETT
IRS990/Form990PartVIISectionAGrp/PersonNm4KEVIN MCPHERSON
IRS990/Form990PartVIISectionAGrp/PersonNm5KIM SHOOK
IRS990/Form990PartVIISectionAGrp/PersonNm6NANCY THOMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm7DANIEL CRANDALL
IRS990/Form990PartVIISectionAGrp/PersonNm8STEPHANIE MORLEY
IRS990/Form990PartVIISectionAGrp/PersonNm9KIT SNYDER
IRS990/Form990PartVIISectionAGrp/PersonNm10STEVE HOWARD
IRS990/Form990PartVIISectionAGrp/PersonNm11STEVE OWENS
IRS990/Form990PartVIISectionAGrp/PersonNm12SCOTT SYLVESTER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9485023
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10151729
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11141301
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12210208
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR (PART YEAR)
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR (PART YEAR)
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt12COO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01951
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-230552
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt03112580
IRS990/GrossReceiptsAmt037880084
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0949697
IRS990/InsuranceGrp/TotalAmt047284
IRS990/InterestGrp/TotalAmt0659966
IRS990/InvestmentIncomeGrp/ExclusionAmt0210994
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0210994
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02109896
IRS990/IRPDocumentCnt022590
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09980985
IRS990/LandBldgEquipBasisNetGrp/BOYAmt022470129
IRS990/LandBldgEquipBasisNetGrp/EOYAmt021860674
IRS990/LandBldgEquipCostOrOtherBssAmt031841659
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt03343132
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE QUALITY AND INNOVATIVE FINANCIAL PRODUCTS AND SERVICES THAT CONTRIBUTE TO THE ECONOMIC AND SOCIAL WELL-BEING OF OUR MEMBERSHIP.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt030000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt039000000
IRS990/NetAssetsOrFundBalancesBOYAmt042165680
IRS990/NetAssetsOrFundBalancesEOYAmt048770388
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-230552
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-230552
IRS990/NetUnrelatedBusTxblIncmAmt0-64181
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0908988
IRS990/OfficeExpensesGrp/TotalAmt02559187
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt014961448
IRS990/OtherAssetsTotalGrp/EOYAmt010447219
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01485751
IRS990/OtherExpensesGrp/Desc0INTEREST AND DIVIDENDS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3AMORTIZATION OF MORTGAG
IRS990/OtherExpensesGrp/TotalAmt02702574
IRS990/OtherExpensesGrp/TotalAmt12163766
IRS990/OtherExpensesGrp/TotalAmt21332960
IRS990/OtherExpensesGrp/TotalAmt3332485
IRS990/OtherLiabilitiesGrp/BOYAmt0354731627
IRS990/OtherLiabilitiesGrp/EOYAmt0410303304
IRS990/OtherSalariesAndWagesGrp/TotalAmt08454138
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0346290643
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0419682191
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0755781
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0647304
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0422715
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0833971
IRS990/PrincipalOfficerNm0KIT SNYDER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2SALE OF LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt019589112
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt113898288
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2961483
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt019589112
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt114005915
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2961483
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0107627
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0-330369
IRS990/PYOtherExpensesAmt013163628
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt032359865
IRS990/PYRevenuesLessExpensesAmt08424513
IRS990/PYSalariesCompEmpBnftPaidAmt010441355
IRS990/PYTotalExpensesAmt023604983
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt032029496
IRS990/ReconcilationRevenueExpnssAmt06604708
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt042165680
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt048770388
IRS990/SavingsAndTempCashInvstGrp/BOYAmt036891747
IRS990/SavingsAndTempCashInvstGrp/EOYAmt040416961
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt010061499
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01991757
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt012053256
IRS990ScheduleD/EquipmentGrp/BookValueAmt02896931
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07719134
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt010616065
IRS990ScheduleD/ExpensesNotReportedAmt0230552
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt027932244
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt07995008
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt07995008
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0804646
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0270094
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01074740
IRS990ScheduleD/OtherExpensesIncludedAmt0230552
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0102590
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0102590
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0410303304
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-230552
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-230552
IRS990ScheduleD/RevenueSubtotalAmt034767504
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL INCOME TAXES ON INCOME RELATED TO THE EXEMPT PURPOSE OF THE CREDIT UNION. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE ("IRC") SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AN ISSUE FOR MANY YEARS. IN 2007, THE INTERNAL REVENUE SERVICE ("IRS") ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1LOSS ON OTHER REAL ESTATE OWNED -230,552.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2LOSS ON OTHER REAL ESTATE OWNED 230,552.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt021860674
IRS990ScheduleD/TotalExpensesPerForm990Amt027932244
IRS990ScheduleD/TotalLiabilityAmt0410303304
IRS990ScheduleD/TotalRevenuePerForm990Amt034536952
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt034767504
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt028162796
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/FirstClassOrCharterTravelInd0X
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0337423
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1123514
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2115964
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3163290
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0147600
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount128215
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount225337
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount346918
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0209566
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt114929
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt214155
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt322765
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt023423
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt114327
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt214327
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt315916
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KIT SNYDER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1STEVE HOWARD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2STEVE OWENS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3SCOTT SYLVESTER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2VP OF LENDING
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0718012

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$502,053,125
Liabilities
$453,282,737
Net assets
$48,770,388
Revenue
$34,536,952
Expenses
$27,932,244
Net income
$6,604,708
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,422$2,197$224$161$139$21.9
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,206$2,004$203$132$111$21.1
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,032$1,844$188$106$83.4$23.0
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,803$1,638$165$106$77.6$28.1
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,477$1,340$137$96.0$75.3$20.7
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,242$1,126$116$82.4$66.7$15.7
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,093$992$100$68.1$55.7$12.4
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$934$846$88.0$56.9$44.6$12.3
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$810$734$75.8$49.7$39.3$10.4
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$676$611$65.3$42.9$34.4$8.55
2014Detailed filing. Detailed filing data is available for this year.$587$531$56.8$37.8$29.8$8.03
2013Detailed filing. Detailed filing data is available for this year.$502$453$48.8$34.5$27.9$6.60
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$431$388$42.2$23.6
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$364$330$33.7$26.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$353$321$31.5$28.8