Civic Intelligence

Financial Plus Credit Union

EIN 38-1439120 • 501(c)14 • Flint, MI

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Profile

Commitment to enhancing the financial well-being of our members! Passion for service! Dedication to enriching the communities we serve!

PO Box 7006Flint, MI 48507

www.financialplusfcu.org

Siviq Scores

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

Liabilities / Assets

19th percentile

0.89x

Higher debt load relative to assets than 19% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

26th percentile

13.80x

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

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

72nd percentile

13%

Higher net margin than 72% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

24th percentile

$734,112

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

501(c)14 • $1B+ nonprofits • Source year 2024

Asset Growth

87th percentile

9.4%

Faster asset growth than 87% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

61st percentile

18%

Faster revenue growth than 61% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets19th percentile

Assets

Up

$1,407,340,183

Up $120,601,074 (+9.4%) from 2023

Liabilities

Up

$1,245,897,269

Up $103,146,328 (+9.0%) from 2023

Net Assets

Up

$161,442,914

Up $17,454,746 (+12%) from 2023

Operations
Liabilities / Revenue26th percentileNet Margin72nd percentile

Revenue

Up

$90,271,577

Up $14,053,169 (+18%) from 2023

Expenses

Up

$78,263,421

Up $11,513,892 (+17%) from 2023

Net Income

Up

$12,008,156

Up $2,539,277 (+27%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth87th percentile

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

$1.5B$1.0B$500M$0Assets 2014: $425,714,720Liabilities 2014: $363,385,606Net Assets 2014: $62,329,1142014Assets 2015: $458,808,831Liabilities 2015: $393,047,173Net Assets 2015: $65,761,6582015Assets 2016: $501,325,155Liabilities 2016: $433,403,681Net Assets 2016: $67,921,4742016Assets 2017: $520,484,816Liabilities 2017: $449,440,416Net Assets 2017: $71,044,4002017Assets 2018: $536,761,945Liabilities 2018: $463,350,127Net Assets 2018: $73,411,8182018Assets 2019: $569,725,643Liabilities 2019: $491,053,011Net Assets 2019: $78,672,6322019Assets 2020: $699,057,295Liabilities 2020: $614,410,959Net Assets 2020: $84,646,3362020Assets 2021: $802,734,792Liabilities 2021: $714,462,500Net Assets 2021: $88,272,2922021Assets 2022: $1,232,513,294Liabilities 2022: $1,101,199,184Net Assets 2022: $131,314,1102022Assets 2023: $1,286,739,109Liabilities 2023: $1,142,750,941Net Assets 2023: $143,988,1682023Assets 2024: $1,407,340,183Liabilities 2024: $1,245,897,269Net Assets 2024: $161,442,9142024

Highlighted filing

2024

Assets$1,407,340,183
Liabilities$1,245,897,269
Net Assets$161,442,914
Open 2024 Filing

Operations Trend

Revenue Growth61st percentile

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

$100M$50M$0Revenue 2014: $25,919,674Expenses 2014: $22,209,158Net Income 2014: $3,710,5162014Revenue 2015: $25,539,623Expenses 2015: $22,288,261Net Income 2015: $3,251,3622015Revenue 2016: $28,452,279Expenses 2016: $25,543,135Net Income 2016: $2,909,1442016Revenue 2017: $30,494,087Expenses 2017: $27,556,600Net Income 2017: $2,937,4872017Revenue 2018: $30,711,530Expenses 2018: $27,594,834Net Income 2018: $3,116,6962018Revenue 2019: $30,884,823Expenses 2019: $28,489,936Net Income 2019: $2,394,8872019Revenue 2020: $31,034,404Expenses 2020: $29,302,449Net Income 2020: $1,731,9552020Revenue 2021: $36,611,617Expenses 2021: $27,921,900Net Income 2021: $8,689,7172021Revenue 2022: $49,966,116Expenses 2022: $42,573,487Net Income 2022: $7,392,6292022Revenue 2023: $76,218,408Expenses 2023: $66,749,529Net Income 2023: $9,468,8792023Revenue 2024: $90,271,577Expenses 2024: $78,263,421Net Income 2024: $12,008,1562024

Highlighted filing

2024

Revenue$90,271,577
Expenses$78,263,421
Net Income$12,008,156
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$1,407,340,183
Liabilities
$1,245,897,269
Net assets
$161,442,914
Revenue
$90,271,577
Expenses
$78,263,421
Net income
$12,008,156
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,407$1,246$161$90.3$78.3$12.0
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,287$1,143$144$76.2$66.7$9.47
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,233$1,101$131$50.0$42.6$7.39
2021Detailed filing. Detailed filing data is available for this year.$803$714$88.3$36.6$27.9$8.69
2020Detailed filing. Detailed filing data is available for this year.$699$614$84.6$31.0$29.3$1.73
2019Detailed filing. Detailed filing data is available for this year.$570$491$78.7$30.9$28.5$2.39
2018Detailed filing. Detailed filing data is available for this year.$537$463$73.4$30.7$27.6$3.12
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$520$449$71.0$30.5$27.6$2.94
2016Detailed filing. Detailed filing data is available for this year.$501$433$67.9$28.5$25.5$2.91
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$459$393$65.8$25.5$22.3$3.25
2014Detailed filing. Detailed filing data is available for this year.$426$363$62.3$25.9$22.2$3.71
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 7, 2025
Return Version
2024v5.2
Gross Receipts
$185,730,506
Mission and Program Overview

Mission

Commitment to enhancing the financial well-being of our members! Passion for service! Dedication to enriching the communities we serve!

Enhancing the financial well-being of our members and our communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$915,285,335$975,686,232▲ $60,400,897
Investments in Publicly Traded Securities$218,687,850$214,555,194▼ $4,132,656
Rtn Earn Endowment Incm Other Fnds$143,988,168$161,442,914▲ $17,454,746
Savings and Temporary Cash Investments$64,846,712$120,174,777▲ $55,328,065
Land, Buildings, and Equipment, Net$19,656,563$20,319,983▲ $663,420
Accounts Receivable$16,262,238$18,172,599▲ $1,910,361
Cash and Non-Interest-Bearing Accounts$16,965,267$17,794,054▲ $828,787
Intangible Assets$8,184,638$7,231,088▼ $953,550
Receivables From Officers Etc$3,474,000$4,539,615▲ $1,065,615
Investments Other Securities$4,050,000$4,050,000→ $0
Prepaid Expenses and Deferred Charges$1,866,689$2,069,706▲ $203,017
Inventories for Sale or Use$0$87,478▲ $87,478
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,286,739,109$1,407,340,183▲ $120,601,074
Other Assets Total$17,459,817$22,659,457▲ $5,199,640
Liabilities
Other Liabilities$1,062,796,192$1,146,057,540▲ $83,261,348
Mortgage Notes Payable Secured by Investment Property$65,000,000$90,000,000▲ $25,000,000
Accounts Payable and Accrued Expenses$12,954,414$8,093,008▼ $4,861,406
Grants Payable$2,000,335$1,746,721▼ $253,614
Total Liabilities$1,142,750,941$1,245,897,269▲ $103,146,328
Net Assets / Fund Balance
Total Net Assets Fund Balance$143,988,168$161,442,914▲ $17,454,746
Total Liabilities and Net Assets / Fund Balance$1,286,739,109$1,407,340,183▲ $120,601,074

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$14,380,482$16,063,881$30,444,363
Equipment$525,557$8,672,601$9,198,158
Land$4,368,066-$4,368,066
Other Land Buildings$1,045,878-$1,045,878
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bradley BergmooserPresident & CEOFT$509,622$224,490$734,112
Bernard WilliamsIntegration AdvisorFT$368,855$57,669$426,524
Wade DeckerCFOFT$273,462$132,654$406,116
Rachelle KippeSVP of LendingFT$196,625$85,774$282,399
Deanna WallaceSVP of People and Retail DFT$195,637$81,551$277,188
Nathan AdamsDirector of Business ServiFT$133,918$78,006$211,924
Michelle ThompsonSVP of OperationsFT$152,981$58,259$211,240
Jessica McnierSVP of Tech and InnovationFT$140,973$54,731$195,704
Lisa ShoemakerVP of Mortgage LendingFT$126,350$66,347$192,697
Doug FenlonDirector of ItFT$141,993$46,917$188,910
Christopher AllamonVP of TechnologyFT$132,283$27,646$159,929

Board Members and Trustees

NameTitle
Bernard HennessyBoard Chairperson
Barney HennessyChairman
Michael BallsVice Chairman
Gerald LittleDirector
Gus AlexanderDirector
Kirk RheaumeDirector
Larry CampbellDirector
Lisa WilsonDirector
Ron JanssonDirector
Kim JonesSecretary
Diana WebbTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
PscuCall/contact Center Outsourcing560 CARILLON PARKWAY, St Petersburg, FL 33716$2,333,952
MdtCore Systems Charges7415 CHICAGO DR, Warren, MI 48092$2,233,755
Visa USA INCVisa Card Bin Number System ChargesPO BOX 742233, Los Angeles, CA 90074$1,260,718
WobigBranch Remodeling527 N WOODBRIDGE ST, Saginaw, MI 48602$924,813
Backswing MarketingMedia Ads61 ANNETTO DR, Crown Point, IN 46307$728,857
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$77,362,644
Investment Income
$12,908,933
Other Revenue
$0
Change in Net Assets
$12,008,156

Audited Revenue Reconciliation

Revenue per Audited Statements
$90,271,577
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$90,271,577
Total Revenue per Form 990
$90,271,577
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$52,405,820
Salaries, Compensation, and Employee Benefits$25,857,601
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$19,559,752
Other Salaries and Wages---$16,771,428
Information Technology---$4,664,954
Office Expenses---$4,428,738
Current Officers, Directors, Trustees, and Key Employees---$2,885,912
Depreciation Depletion---$2,710,772
Other Employee Benefits---$2,640,331
Advertising---$2,306,085
Pension Plan Contributions---$2,087,374
All Other Expenses---$1,621,109
Other Expenses---$1,592,256
Payroll Taxes---$1,472,556
Occupancy---$675,485
Fees for Services Management---$534,292
Fees for Services Other---$521,854
Travel---$324,450
Fees for Services Accounting---$236,161
Insurance---$120,946
Fees for Services Legal---$35,916
Total Functional Expenses$0$0$0$78,263,421

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$78,263,421
Total Expenses per Audited Statements$78,263,421
Total Expenses per Form 990$78,263,421
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$3,474,000$4,539,615▲ $1,065,615
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' ACCOUNTS$1,137,660,045
Primary Financial Simpli Cd$6,128,000
Accrued Payroll Liabilities$2,575,346
Other Liabilities$-305,851
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has a single class of members with equal rights of ownership, governance and voting.”

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

“Members elect and vote on board members at the annual meeting.”

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

“Members elect and vote on board members at the annual meeting. Merger into another institution would be voted on by the entire membership.”

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

“The chief financial officer will review the 990 with the board prior to submission.”

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

“Conflicts of interest are required to be disclosed by members. Related parties are reviewed on a quarterly basis.”

Form 990, Part VI, Section B, Line 15

“Comparable industry compensation data is obtained from a third party provider and reviewed by the board.”

Form 990, Part VI, Section C, Line 19

“Governing documents and the conflict of interest policy is available upon request. The condensed financial statement is posted at each of the branches monthly.”

Filing and Contact Details

Filer

Filer Name
Financial Plus Credit Union
EIN
38-1439120
Phone
8102442200
Address
PO BOX 7006, FLINT, MI 48507

Signing Officer

Name
Wade Decker
Title
Chief Financial Officer
Phone
8102442927
Signed
2025-11-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Wade Decker
Formed
1952
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
349
Volunteers
18

Preparer

Firm
Rehmann Robson LLC
Address
PO BOX 2025, SAGINAW, MI 48605-2025
Preparer
Jeffrey E Hert CPA
Phone
9897999580
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Liability adj. On post-retirement health care 454,888.”

Form 990, Part XII, Line 2C

“The process has not changed from the prior year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union has evaluated its income tax filing positions for the years 2021 through 2024, the years which remain subject to examination by major tax jurisdictions as of december 31, 2024. The credit union concluded that there are no significant uncertain tax positions requiring recognition in the credit union's financial statements. The credit union does not expect the total amount of unrecognized tax benefits ("utb") (e.g., tax deductions, exclusions, or credits claimed or expected to be claimed) to significantly change in the next 12 months. The credit union does not have any amounts accrued for interest and penalties related to utbs at december 31, 2024 and 2023, and it is not aware of any claims for such amounts by federal or state income tax authorities.”

Raw XML AppendixShowing 400 of 764 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
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