Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2018 • EIN 38-1438667

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 12, 2019

Organization ProfileWWW.CONSUMERSCU.ORG

View Organization Page

7040 Stadium DriveOshtemo, MI 49077-0525

(269) 345-7804

Siviq Scores

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

Liabilities / Assets

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Liabilities / Revenue

13th percentile

14.57x

Higher debt load relative to revenue than 13% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Net Margin

45th percentile

18%

Higher net margin than 45% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Top Officer Pay

79th percentile

$1,280,048

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Asset Growth

97th percentile

17%

Faster asset growth than 97% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Revenue Growth

83rd percentile

20%

Faster revenue growth than 83% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets81st percentile

Assets

Up

$1,092,793,146

Up $158,517,760 (+17%) from 2017

Net Assets

Up

$100,399,567

Up $12,385,928 (+14%) from 2017

Liabilities

Up

$992,393,579

Up $146,131,832 (+17%) from 2017

Revenue And Expenses
Liabilities / Revenue13th percentileNet Margin45th percentile

Revenue

Up

$68,117,784

Up $11,245,365 (+20%) from 2017

Expenses

Up

$55,731,856

Up $11,109,554 (+25%) from 2017

Net Income

Up

$12,385,928

Up $135,811 (+1.1%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth97th 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

2018

Assets$1,092,793,146
Liabilities$992,393,579
Net Assets$100,399,567
Open 2018 Filing

Operations Trend

Revenue Growth83rd percentile

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

2018

Revenue$68,117,784
Expenses$55,731,856
Net Income$12,385,928
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 12, 2019
Return Version
2018v3.1
Gross Receipts
$68,430,275
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$830,048,757$960,938,229▲ $130,889,472
Rtn Earn Endowment Incm Other Fnds$88,013,639$100,399,567▲ $12,385,928
Land, Buildings, and Equipment, Net$66,609,001$71,294,243▲ $4,685,242
Cash and Non-Interest-Bearing Accounts$12,681,772$20,463,217▲ $7,781,445
Savings and Temporary Cash Investments$1,003,078$10,679,282▲ $9,676,204
Investments Other Securities$4,865,191$5,055,338▲ $190,147
Prepaid Expenses and Deferred Charges$1,040,057$1,241,374▲ $201,317
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$934,275,386$1,092,793,146▲ $158,517,760
Other Assets Total$18,027,530$23,121,463▲ $5,093,933
Liabilities
Other Liabilities$755,672,963$879,108,282▲ $123,435,319
Mortgage Notes Payable Secured by Investment Property$81,672,929$105,000,000▲ $23,327,071
Accounts Payable and Accrued Expenses$7,550,529$6,733,450▼ $817,079
Escrow Account Liability$1,365,326$1,551,847▲ $186,521
Total Liabilities$846,261,747$992,393,579▲ $146,131,832
Net Assets / Fund Balance
Total Net Assets Fund Balance$88,013,639$100,399,567▲ $12,385,928
Total Liabilities and Net Assets / Fund Balance$934,275,386$1,092,793,146▲ $158,517,760

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$48,674,907$3,732,607$52,407,514
Equipment$8,989,794$11,756,132$20,745,926
Land$8,943,860-$8,943,860
Other Land Buildings$4,063,612-$4,063,612
Leasehold Improvements$622,070$456,159$1,078,229
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kit SnyderCEOFT$486,700$793,348$1,280,048
Steve HowardCFOFT$184,919$171,572$356,491
Scott SylvesterCOOFT$217,450$136,010$353,460
Steve OwensCLOFT$161,714$124,413$286,127
Shawn PremerChroFT$133,950$110,770$244,720
John MurphyVPFT$110,412$124,721$235,133
Jeffery VisserCSOFT$114,121$83,620$197,741
Lynne Jarman-johnsonCMOFT$109,298$85,617$194,915
Lindsay LandVPFT$113,004$46,397$159,401
Gary FergusonVPFT$116,357$29,401$145,758
Bob DunningVPFT$112,603$28,877$141,480
Glen KellamManagerFT$120,793$12,229$133,022

Board Members and Trustees

NameTitle
Brent BassettChairperson
Kim ShookVice-chairperson
Nancy ThompsonDirector
Nick ZaferDirector
Rodney AdamsDirector
Brad LawtonDirector - Part Year
PATRICK O'CONNORSecretary
Kevin McphersonTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Lennon Miller O'connor & BartosiewiczLegal Services151 S ROSE ST STE 900, Kalamazoo, MI 49007$181,821
Dixon Lawn CareLawn Services815 E CROSSTOWN PKWY SUITE 254, Kalamazoo, MI 49001$105,273
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$67,884,205
Investment Income
$233,579
Other Revenue
$0
Change in Net Assets
$12,385,928

Audited Revenue Reconciliation

Revenue per Audited Statements
$68,204,821
Revenue Not Reported on Financial Statements
$-87,037
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-87,037
Total Revenue per Audited Statements
$68,204,821
Total Revenue per Form 990
$68,117,784
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$33,270,508
Salaries, Compensation, and Employee Benefits$22,461,348
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$14,615,428
Office Expenses---$5,294,222
Depreciation Depletion---$3,502,175
Current Officers, Directors, Trustees, and Key Employees---$2,913,503
Other Employee Benefits---$2,600,515
Interest---$2,427,977
Information Technology---$2,412,582
Occupancy---$2,276,961
Payroll Taxes---$1,252,331
Advertising---$1,227,213
Pension Plan Contributions---$1,079,571
Other Expenses---$742,930
Fees for Services Legal---$483,970
All Other Expenses---$408,699
Travel---$230,876
Conferences and Meetings---$127,851
Insurance---$59,919
Fees for Services Accounting---$55,485
Total Functional Expenses$0$0$0$55,731,856

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$55,818,893
Expenses per Audited Statements$55,731,856
Total Expenses per Form 990$55,731,856
Expenses Not Reported on Form 990$87,037
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$879,108,282
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
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, 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 11B

“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 the top management official. Ceo compensation is 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 2018.”

Form 990, Part VI, Section C, Line 19

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

Filing and Contact Details

Filer

Filer Name
Consumers Credit Union
EIN
38-1438667
Phone
2693457804
Address
7040 STADIUM DRIVE, OSHTEMO, MI 49077-0525

Signing Officer

Name
Steve Howard
Title
CFO
Phone
2693457804
Signed
2019-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steve Howard
Formed
1951
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
337
Volunteers
7

Preparer

Firm
Plante & Moran Pllc
Address
750 TRADE CENTRE WAY STE 300, PORTAGE, MI 49002
Preparer
Kenley Penner CPA
Phone
2695674500
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 $1,211,000 and $1,530,000 of receivables from current officers, directors, trustees, key employees, and highest compensated employees for 2018 and 2017, respectively, within form 990, part x, line 7.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union holds amounts in escrow accounts for real estate taxes and home insurance related to home mortgage loans.”

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 -87,037.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Loss on other real estate owned 87,037.”

Raw XML AppendixShowing 400 of 682 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/ActivityOrMissionDesc0TO PROVIDE QUALITY AND INNOVATIVE FINANCIAL PRODUCTS AND SERVICES THAT CONTRIBUTE TO THE ECONOMIC AND SOCIAL WELL-BEING OF OUR MEMBERSHIP.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt8285037
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt996362
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1045846
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1156636
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1253716
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1338404
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1434637
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1535921
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1630881
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1712229
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1829401
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1928877
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IRS990/Form990PartVIISectionAGrp/PersonNm1KIM SHOOK
IRS990/Form990PartVIISectionAGrp/PersonNm2KEVIN MCPHERSON
IRS990/Form990PartVIISectionAGrp/PersonNm3PATRICK O'CONNOR
IRS990/Form990PartVIISectionAGrp/PersonNm4RODNEY ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm5NANCY THOMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm6NICK ZAFER
IRS990/Form990PartVIISectionAGrp/PersonNm7BRAD LAWTON
IRS990/Form990PartVIISectionAGrp/PersonNm8KIT SNYDER
IRS990/Form990PartVIISectionAGrp/PersonNm9STEVE HOWARD
IRS990/Form990PartVIISectionAGrp/PersonNm10SCOTT SYLVESTER
IRS990/Form990PartVIISectionAGrp/PersonNm11STEVE OWENS
IRS990/Form990PartVIISectionAGrp/PersonNm12SHAWN PREMER
IRS990/Form990PartVIISectionAGrp/PersonNm13LYNNE JARMAN-JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm14JEFFERY VISSER
IRS990/Form990PartVIISectionAGrp/PersonNm15JOHN MURPHY
IRS990/Form990PartVIISectionAGrp/PersonNm16LINDSAY LAND
IRS990/Form990PartVIISectionAGrp/PersonNm17GLEN KELLAM
IRS990/Form990PartVIISectionAGrp/PersonNm18GARY FERGUSON
IRS990/Form990PartVIISectionAGrp/PersonNm19BOB DUNNING
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8995011
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9260129
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10307614
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11229491
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12191004
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13156511
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14163104
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15199212
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16128520
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17120793
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18116357
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19112603
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/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR - PART YEAR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt10COO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHRO
IRS990/Form990PartVIISectionAGrp/TitleTxt13CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt14CSO
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP
IRS990/Form990PartVIISectionAGrp/TitleTxt17MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01951
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IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-87037
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0225454
IRS990/GrossReceiptsAmt068430275
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt014
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02412582
IRS990/InsuranceGrp/TotalAmt059919
IRS990/InterestGrp/TotalAmt02427977
IRS990/InvestmentIncomeGrp/ExclusionAmt0320616
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0320616
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt04865191
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt05055338
IRS990/IRPDocumentCnt040460
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt015944898
IRS990/LandBldgEquipBasisNetGrp/BOYAmt066609001
IRS990/LandBldgEquipBasisNetGrp/EOYAmt071294243
IRS990/LandBldgEquipCostOrOtherBssAmt087239141
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0312491
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/BOYAmt081672929
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0105000000
IRS990/NetAssetsOrFundBalancesBOYAmt088013639
IRS990/NetAssetsOrFundBalancesEOYAmt0100399567
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-87037
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-87037
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02276961
IRS990/OfficeExpensesGrp/TotalAmt05294222
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt018027530
IRS990/OtherAssetsTotalGrp/EOYAmt023121463
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02600515
IRS990/OtherExpensesGrp/Desc0INTEREST AND DIVIDENDS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3AMORTIZATION OF MORTGAG
IRS990/OtherExpensesGrp/TotalAmt07522413
IRS990/OtherExpensesGrp/TotalAmt13265000
IRS990/OtherExpensesGrp/TotalAmt23232235
IRS990/OtherExpensesGrp/TotalAmt3742930
IRS990/OtherLiabilitiesGrp/BOYAmt0755672963
IRS990/OtherLiabilitiesGrp/EOYAmt0879108282
IRS990/OtherSalariesAndWagesGrp/TotalAmt014615428
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0830048757
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0960938229
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01252331
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01079571
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01040057
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01241374
IRS990/PrincipalOfficerNm0STEVE HOWARD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3525100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2SALE OF LOANS
IRS990/ProgramServiceRevenueGrp/Desc3INSURANCE COMMISSIONS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt042425019
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt123122075
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22094360
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt042425019
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt123364595
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22094360
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3231
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0242520
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1231
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IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt067827
IRS990/PYOtherExpensesAmt024858134
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt056804592
IRS990/PYRevenuesLessExpensesAmt012250117
IRS990/PYSalariesCompEmpBnftPaidAmt019764168
IRS990/PYTotalExpensesAmt044622302
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt056872419
IRS990/ReconcilationRevenueExpnssAmt012385928
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt088013639
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0100399567
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01003078
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010679282
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt048674907
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03732607
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt052407514
IRS990ScheduleD/EquipmentGrp/BookValueAmt08989794
IRS990ScheduleD/EquipmentGrp/DepreciationAmt011756132
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt020745926
IRS990ScheduleD/ExpensesNotReportedAmt087037
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt055731856
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt08943860
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt08943860
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0622070
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0456159

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,092,793,146
Liabilities
$992,393,579
Net assets
$100,399,567
Revenue
$68,117,784
Expenses
$55,731,856
Net income
$12,385,928
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
2018Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

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