Liabilities / Assets
80th percentile
Higher debt load relative to assets than 80% of similar nonprofits.
990 • Fiscal year 2019 • EIN 38-1438667
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
80th percentile
Higher debt load relative to assets than 80% of similar nonprofits.
Liabilities / Revenue
11th percentile
Higher debt load relative to revenue than 11% of similar nonprofits.
Net Margin
63rd percentile
Higher net margin than 63% of similar nonprofits.
Top Officer Pay
88th percentile
Higher top officer pay than 88% of similar nonprofits.
Top officer pay equals 2.5% of source-year revenue.
Asset Growth
85th percentile
Faster asset growth than 85% of similar nonprofits.
Revenue Growth
92nd percentile
Faster revenue growth than 92% of similar nonprofits.
Assets
Up$1,242,455,564
Up $149,662,418 (+14%) from 2018
Net Assets
Up$116,147,078
Up $15,747,511 (+16%) from 2018
Liabilities
Up$1,126,308,486
Up $133,914,907 (+13%) from 2018
Revenue
Up$82,426,936
Up $14,309,152 (+21%) from 2018
Expenses
Up$66,679,425
Up $10,947,569 (+20%) from 2018
Net Income
Up$15,747,511
Up $3,361,583 (+27%) from 2018
To provide quality and innovative financial products and services that contribute to the economic and social well-being of our membership.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $960,938,229 | $1,106,841,020 | ▲ $145,902,791 |
| Rtn Earn Endowment Incm Other Fnds | $100,399,567 | $116,147,078 | ▲ $15,747,511 |
| Land, Buildings, and Equipment, Net | $71,294,243 | $72,712,425 | ▲ $1,418,182 |
| Savings and Temporary Cash Investments | $10,679,282 | $17,835,005 | ▲ $7,155,723 |
| Cash and Non-Interest-Bearing Accounts | $20,463,217 | $13,229,821 | ▼ $7,233,396 |
| Investments Other Securities | $5,055,338 | $4,716,704 | ▼ $338,634 |
| Prepaid Expenses and Deferred Charges | $1,241,374 | $1,932,760 | ▲ $691,386 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $1,092,793,146 | $1,242,455,564 | ▲ $149,662,418 |
| Other Assets Total | $23,121,463 | $25,187,829 | ▲ $2,066,366 |
| Liabilities | |||
| Other Liabilities | $879,108,282 | $1,001,874,603 | ▲ $122,766,321 |
| Mortgage Notes Payable Secured by Investment Property | $105,000,000 | $115,000,000 | ▲ $10,000,000 |
| Accounts Payable and Accrued Expenses | $6,733,450 | $7,756,567 | ▲ $1,023,117 |
| Escrow Account Liability | $1,551,847 | $1,677,316 | ▲ $125,469 |
| Total Liabilities | $992,393,579 | $1,126,308,486 | ▲ $133,914,907 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $100,399,567 | $116,147,078 | ▲ $15,747,511 |
| Total Liabilities and Net Assets / Fund Balance | $1,092,793,146 | $1,242,455,564 | ▲ $149,662,418 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $48,790,161 | $4,794,986 | $53,585,147 |
| Equipment | $9,139,560 | $11,397,494 | $20,537,054 |
| Land | $9,342,838 | - | $9,342,838 |
| Other Land Buildings | $4,801,118 | - | $4,801,118 |
| Leasehold Improvements | $638,748 | $502,184 | $1,140,932 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Kit Snyder | CEO | FT | $551,900 | $1,478,883 | $2,030,783 |
| Steve Howard | CFO | FT | $208,736 | $217,949 | $426,685 |
| Scott Sylvester | COO | FT | $233,784 | $175,898 | $409,682 |
| Steve Owens | CLO | FT | $174,796 | $158,232 | $333,028 |
| Shawn Premer | Chro | FT | $144,399 | $123,669 | $268,068 |
| Jeffery Visser | CSO | FT | $123,052 | $108,400 | $231,452 |
| Lynne Jarman-johnson | CMO | FT | $116,595 | $103,956 | $220,551 |
| John Murphy | VP | FT | $119,205 | $91,769 | $210,974 |
| Lindsay Land | VP | FT | $122,016 | $42,219 | $164,235 |
| Gary Ferguson | VP | FT | $112,295 | $39,974 | $152,269 |
| Glen Kellam | Manager | FT | $129,655 | $13,591 | $143,246 |
| Scott Adams | VP | FT | $118,852 | $12,964 | $131,816 |
| Name | Title |
|---|---|
| Brent Bassett | Chairperson |
| Kevin Mcpherson | Director |
| Nancy Thompson | Director |
| Nick Zafer | Director |
| Rodney Adams | Director |
| PATRICK O'CONNOR | Secretary |
| Kim Shook | Treasurer |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Lennon Miller O'connor & Bartoziewicz | Legal Services | 151 S ROSE ST STE 900, Kalamazoo, MI 49007 | $224,561 |
| Dixon Lawn Care | Lawn Services | 815 E CROSSTOWN PKWY SUITE 254, Kalamazoo, MI 49001 | $108,070 |
| Line Item | Amount |
|---|---|
| Other Expenses | $41,344,903 |
| Salaries, Compensation, and Employee Benefits | $25,334,522 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $16,723,061 |
| Office Expenses | - | - | - | $5,004,724 |
| Depreciation Depletion | - | - | - | $3,922,427 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $3,285,906 |
| Interest | - | - | - | $2,562,991 |
| Other Employee Benefits | - | - | - | $2,479,057 |
| Information Technology | - | - | - | $2,446,870 |
| Occupancy | - | - | - | $2,249,746 |
| Pension Plan Contributions | - | - | - | $1,450,962 |
| Payroll Taxes | - | - | - | $1,395,536 |
| Advertising | - | - | - | $1,192,145 |
| Other Expenses | - | - | - | $1,057,674 |
| Fees for Services Legal | - | - | - | $595,168 |
| All Other Expenses | - | - | - | $197,561 |
| Travel | - | - | - | $183,240 |
| Conferences and Meetings | - | - | - | $102,172 |
| Fees for Services Accounting | - | - | - | $67,177 |
| Insurance | - | - | - | $56,072 |
| Total Functional Expenses | $0 | $0 | $0 | $66,679,425 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $66,679,425 |
| Total Expenses per Audited Statements | $66,679,425 |
| Total Expenses per Form 990 | $66,679,425 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Shares | $1,001,874,603 |
“Each individual that has an account with the credit union is a member.”
“Each member is allowed to vote for the governing body at the annual meeting.”
“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.”
“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.”
“Documents that are open to public inspection are available upon request.”
“Audit oversight process has not changed from the prior year.”
“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 $1,520,000 and $1,211,000 of receivables from current officers, directors, trustees, key employees, and highest compensated employees for 2019 and 2018, respectively, within form 990, part x, line 7.”
“The credit union holds amounts in escrow accounts for real estate taxes and home insurance related to home mortgage loans.”
“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.”
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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 6733450 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 7756567 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE QUALITY AND INNOVATIVE FINANCIAL PRODUCTS AND SERVICES THAT CONTRIBUTE TO THE ECONOMIC AND SOCIAL WELL-BEING OF OUR MEMBERSHIP. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 1192145 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 197561 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | STEVE HOWARD |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2693457804 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 7040 STADIUM DRIVE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | OSHTEMO |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 49077 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 20463217 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 13229821 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 3285906 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 102172 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 224561 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 108070 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 151 S ROSE ST STE 900 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | 815 E CROSSTOWN PKWY SUITE 254 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | KALAMAZOO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | KALAMAZOO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | MI |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 49007 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 49001 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | LENNON MILLER O'CONNOR & BARTOZIEWICZ |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | DIXON LAWN CARE |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | LEGAL SERVICES |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | LAWN SERVICES |
| IRS990/CreditCounselingInd | 0 | 1 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1024668 |
| IRS990/CYOtherExpensesAmt | 0 | 41344903 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 81402268 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 15747511 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 25334522 |
| IRS990/CYTotalExpensesAmt | 0 | 66679425 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 82426936 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 3922427 |
| IRS990/Desc | 0 | SERVED 100,539 MEMBERS BY OFFERING LOANS, DEPOSITS, AND VARIOUS OTHER FINANCIAL PRODUCTS. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 323 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 1551847 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 1677316 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 67177 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 595168 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 11 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 12 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 13 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 14 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 15 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 16 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 17 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 18 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 15 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 16 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 17 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 18 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 309010 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 44418 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 106590 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 60631 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 41304 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 36485 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 35906 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 29769 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 28078 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 13591 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 27341 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 12964 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 18 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | KIT SNYDER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | SCOTT SYLVESTER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | STEVE HOWARD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | STEVE OWENS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | SHAWN PREMER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | JEFFERY VISSER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | LYNNE JARMAN-JOHNSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | JOHN MURPHY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | LINDSAY LAND |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | GLEN KELLAM |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | GARY FERGUSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | SCOTT ADAMS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | BRENT BASSETT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | PATRICK O'CONNOR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | KIM SHOOK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | RODNEY ADAMS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 16 | KEVIN MCPHERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 17 | NANCY THOMPSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 18 | NICK ZAFER |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 1721773 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 365264 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 320095 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 272397 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 226764 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 194967 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 184645 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 181205 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 136157 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 129655 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 124928 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 118852 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 18 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 18 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | COO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | CLO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | CHRO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | CSO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | CMO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | VP |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | VP |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | MANAGER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | VP |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | VP |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 18 | DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1951 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 80526 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 453755 |
| IRS990/GrossReceiptsAmt | 0 | 82800165 |
| IRS990/GroupExemptionNum | 0 | 1359 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 15 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 2446870 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 56072 |
| IRS990/InterestGrp/TotalAmt | 0 | 2562991 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 944142 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 944142 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 5055338 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 4716704 |
| IRS990/IRPDocumentCnt | 0 | 40042 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 16694664 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 71294243 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 72712425 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 89407089 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 373229 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | TO PROVIDE QUALITY AND INNOVATIVE FINANCIAL PRODUCTS AND SERVICES THAT CONTRIBUTE TO THE ECONOMIC AND SOCIAL WELL-BEING OF OUR MEMBERSHIP. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 105000000 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 115000000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 100399567 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 116147078 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 80526 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 80526 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -64713 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 2249746 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 5004724 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 23121463 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 25187829 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 2479057 |
| IRS990/OtherExpensesGrp/Desc | 0 | INTEREST AND DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | AMORTIZATION OF MORTGAG |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 11595315 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 6000000 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 4111621 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 1057674 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 879108282 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 1001874603 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 16723061 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 960938229 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 1106841020 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 1395536 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 1450962 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 1241374 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 1932760 |
| IRS990/PrincipalOfficerNm | 0 | KIT SNYDER |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES AND OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | SALE OF LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | INSURANCE COMISSIONS |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 51686222 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 25813831 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 3617653 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 51686222 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 26095142 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 3617653 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 3251 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 281311 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 3251 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 233579 |
| IRS990/PYOtherExpensesAmt | 0 | 33270508 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 67884205 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 12385928 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 22461348 |
| IRS990/PYTotalExpensesAmt | 0 | 55731856 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 68117784 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 15747511 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 0 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 100399567 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 116147078 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 10679282 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 17835005 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 48790161 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 4794986 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 53585147 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 9139560 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 11397494 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 20537054 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 66679425 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 9342838 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 9342838 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 638748 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 502184 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 1140932 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 4801118 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 4801118 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 1001874603 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 82426936 |
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Displayed year
2019 • Form 990Detailed filing. Detailed filing data is available for this year.