Civic Intelligence

Elga Credit Union

EIN 38-1441242 • 501(c)14 • Grand Blanc, MI

Profile

Provide financial services and products to members.

6065 Grand Pointe BlvdGrand Blanc, MI 48439

www.elgacu.com

Siviq Scores

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

Liabilities / Assets

5th percentile

0.86x

Higher debt load relative to assets than 5% of similar nonprofits.

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

Liabilities / Revenue

4th percentile

10.85x

Higher debt load relative to revenue than 4% of similar nonprofits.

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

Net Margin

94th percentile

22%

Higher net margin than 94% of similar nonprofits.

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

Top Officer Pay

53rd percentile

$1,071,873

Higher top officer pay than 53% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

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

Asset Growth

54th percentile

3.6%

Faster asset growth than 54% of similar nonprofits.

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

Revenue Growth

38th percentile

13%

Faster revenue growth than 38% of similar nonprofits.

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

Assets

Up

$1,552,368,811

Up $54,500,534 (+3.6%) from 2023

Liabilities

Up

$1,335,223,604

Up $25,184,162 (+1.9%) from 2023

Net Assets

Up

$217,145,207

Up $29,316,372 (+16%) from 2023

Revenue

Up

$123,097,040

Up $14,399,304 (+13%) from 2023

Expenses

Up

$95,636,518

Up $14,390,205 (+18%) from 2023

Net Income

Up

$27,460,522

Up $9,099 (+0.0%) from 2023

Trend Graphs

Balance Sheet Trend

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

$2.0B$1.5B$1.0B$500M$0Assets 2010: $260,016,878Liabilities 2010: $238,943,088Net Assets 2010: $21,073,7902010Assets 2011: $284,756,432Liabilities 2011: $261,063,027Net Assets 2011: $23,693,4052011Assets 2012: $316,589,813Liabilities 2012: $287,698,706Net Assets 2012: $28,891,1072012Assets 2013: $365,120,523Liabilities 2013: $329,250,160Net Assets 2013: $35,870,3632013Assets 2014: $387,170,738Liabilities 2014: $344,279,988Net Assets 2014: $42,890,7502014Assets 2015: $437,345,510Liabilities 2015: $382,985,478Net Assets 2015: $54,360,0322015Assets 2016: $490,394,031Liabilities 2016: $423,508,972Net Assets 2016: $66,885,0592016Assets 2017: $570,088,802Liabilities 2017: $489,524,749Net Assets 2017: $80,564,0532017Assets 2018: $660,931,409Liabilities 2018: $565,203,102Net Assets 2018: $95,728,3072018Assets 2019: $794,491,719Liabilities 2019: $683,397,660Net Assets 2019: $111,094,0592019Assets 2020: $1,060,468,798Liabilities 2020: $932,280,464Net Assets 2020: $128,188,3342020Assets 2021: $1,236,875,968Liabilities 2021: $1,087,187,042Net Assets 2021: $149,688,9262021Assets 2022: $1,416,776,548Liabilities 2022: $1,256,537,450Net Assets 2022: $160,239,0982022Assets 2023: $1,497,868,277Liabilities 2023: $1,310,039,442Net Assets 2023: $187,828,8352023Assets 2024: $1,552,368,811Liabilities 2024: $1,335,223,604Net Assets 2024: $217,145,2072024

Highlighted filing

2024

Assets$1,552,368,811
Liabilities$1,335,223,604
Net Assets$217,145,207

Operations Trend

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

$150M$100M$50M$0Expenses 2010: $21,645,8432010Expenses 2011: $20,757,2692011Expenses 2012: $21,458,3952012Revenue 2013: $28,185,690Expenses 2013: $20,900,131Net Income 2013: $7,285,5592013Revenue 2014: $30,784,312Expenses 2014: $23,802,928Net Income 2014: $6,981,3842014Revenue 2015: $34,638,456Expenses 2015: $23,134,486Net Income 2015: $11,503,9702015Revenue 2016: $38,130,595Expenses 2016: $25,636,615Net Income 2016: $12,493,9802016Revenue 2017: $44,217,771Expenses 2017: $30,569,086Net Income 2017: $13,648,6852017Revenue 2018: $51,927,755Expenses 2018: $36,648,268Net Income 2018: $15,279,4872018Revenue 2019: $56,196,393Expenses 2019: $40,870,402Net Income 2019: $15,325,9912019Revenue 2020: $60,859,425Expenses 2020: $44,308,630Net Income 2020: $16,550,7952020Revenue 2021: $71,459,461Expenses 2021: $48,156,847Net Income 2021: $23,302,6142021Revenue 2022: $86,734,421Expenses 2022: $58,435,103Net Income 2022: $28,299,3182022Revenue 2023: $108,697,736Expenses 2023: $81,246,313Net Income 2023: $27,451,4232023Revenue 2024: $123,097,040Expenses 2024: $95,636,518Net Income 2024: $27,460,5222024

Highlighted filing

2024

Revenue$123,097,040
Expenses$95,636,518
Net Income$27,460,522

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,552$1,335$217$123$95.6$27.5
2023Detailed filing. Detailed filing data is available for this year.$1,498$1,310$188$109$81.2$27.5
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,417$1,257$160$86.7$58.4$28.3
2021Detailed filing. Detailed filing data is available for this year.$1,237$1,087$150$71.5$48.2$23.3
2020Detailed filing. Detailed filing data is available for this year.$1,060$932$128$60.9$44.3$16.6
2019Detailed filing. Detailed filing data is available for this year.$794$683$111$56.2$40.9$15.3
2018Detailed filing. Detailed filing data is available for this year.$661$565$95.7$51.9$36.6$15.3
2017Detailed filing. Detailed filing data is available for this year.$570$490$80.6$44.2$30.6$13.6
2016Detailed filing. Detailed filing data is available for this year.$490$424$66.9$38.1$25.6$12.5
2015Detailed filing. Detailed filing data is available for this year.$437$383$54.4$34.6$23.1$11.5
2014Detailed filing. Detailed filing data is available for this year.$387$344$42.9$30.8$23.8$6.98
2013Detailed filing. Detailed filing data is available for this year.$365$329$35.9$28.2$20.9$7.29
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$317$288$28.9$21.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$285$261$23.7$20.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$260$239$21.1$21.6
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$123,261,006
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,190,298,352$1,156,916,782▼ $33,381,570
Rtn Earn Endowment Incm Other Fnds$187,828,835$217,145,207▲ $29,316,372
Investments in Publicly Traded Securities$158,754,769$157,470,295▼ $1,284,474
Savings and Temporary Cash Investments$59,743,125$142,174,917▲ $82,431,792
Land, Buildings, and Equipment, Net$31,637,498$29,924,610▼ $1,712,888
Cash and Non-Interest-Bearing Accounts$13,249,750$22,753,725▲ $9,503,975
Receivables From Officers Etc$15,933,074$16,795,042▲ $861,968
Prepaid Expenses and Deferred Charges$2,351,590$2,811,170▲ $459,580
Investments Other Securities$2,147,800$2,230,800▲ $83,000
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,497,868,277$1,552,368,811▲ $54,500,534
Other Assets Total$23,752,319$21,291,470▼ $2,460,849
Liabilities
Other Liabilities$1,087,664,538$1,140,886,421▲ $53,221,883
Unsecured Notes Loans Payable$173,000,000$173,000,000→ $0
Accounts Payable and Accrued Expenses$15,374,904$11,337,183▼ $4,037,721
Mortgage Notes Payable Secured by Investment Property$34,000,000$10,000,000▼ $24,000,000
Total Liabilities$1,310,039,442$1,335,223,604▲ $25,184,162
Net Assets / Fund Balance
Total Net Assets Fund Balance$187,828,835$217,145,207▲ $29,316,372
Total Liabilities and Net Assets / Fund Balance$1,497,868,277$1,552,368,811▲ $54,500,534

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$22,281,974$7,824,961$30,106,935
Equipment$2,283,259$17,342,657$19,625,916
Land$5,250,472-$5,250,472
Leasehold Improvements$108,905$961,364$1,070,269
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Terry KatzurCEOFT$888,443$183,430$1,071,873
David BrandtEvpFT$302,506$109,551$412,057
Kathleen SmithVP of Branch ExperienceFT$192,465$71,455$263,920
Zachary EychanerVP of Digital ExperienceFT$204,730$55,351$260,081
Mallory HazardVP of Consumer LendingFT$149,641$77,246$226,887
Bryan RandallCIOFT$165,542$58,999$224,541
CHADD O'BRIENCorporate CounselFT$162,564$49,858$212,422
Robert ClontzBranch ManagerFT$109,488$74,923$184,411
Amy ZimmerDirector of Mortgage LendingFT$138,288$41,150$179,438
Douglas ChampagneCredit Solutions ManagerFT$115,687$63,054$178,741
Rebecca JonesDigital Experience ManagerFT$130,297$32,113$162,410

Board Members and Trustees

NameTitle
Harold MottBoard Chairperson
Ruthy QuarlesSupervisory Committee Chair
Joseph BorisBoard Vice Chairperson
Christopher GoetzBoard Member
Kevin KeaneBoard Member
Roderick SlaughterBoard Member
Sheveze AndersonBoard Secretary
Diana CurrierBoard Treasurer
Glenn WilsonSupervisory Committee Member

Highest Paid Contractors

ContractorServicesLocationCompensation
Kasasa LtdChecking ServicingPO BOX 527, Lubbock, TX 79408$1,242,765
Edge OneAtm Servicing161 BUSINESS PARK CIRCLE, Stoughton, WI 53589$1,186,011
Jack Henry & AssociatesCore Software MaintenancePO BOX 609, Monett, MO 65708$795,679
Doxim INCCard Services2200 PRODUCTION DR, Indianapolis, IN 46241$578,510
Cu NextgenData Services4750 ASHWOOD DR, Blue Ash, OH 45241$555,840
Revenue and Support

Revenue Composition

Contributions and Grants
$2,478,839
Program Service Revenue
$111,674,326
Investment Income
$8,943,875
Other Revenue
$0
Change in Net Assets
$27,460,522

Audited Revenue Reconciliation

Revenue per Audited Statements
$123,097,040
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$463,178
Total Revenue per Audited Statements
$123,560,218
Total Revenue per Form 990
$123,097,040
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$68,626,652
Salaries, Compensation, and Employee Benefits$26,365,740
Grants and Similar Amounts Paid$644,126
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$22,439,047
Other Salaries and Wages---$17,344,220
Advertising---$5,906,628
Office Expenses---$5,806,771
Other Employee Benefits---$3,567,523
Information Technology---$3,470,425
Other Expenses---$2,609,552
Current Officers, Directors, Trustees, and Key Employees---$2,459,359
Occupancy---$2,231,695
Fees for Services Other---$1,905,381
Depreciation Depletion---$1,901,820
Payroll Taxes---$1,693,159
Pension Plan Contributions---$1,301,479
Grants to Domestic Orgs---$644,126
Travel---$434,436
Insurance---$255,835
Fees for Services Accounting---$156,247
Fees for Services Legal---$145,259
Total Functional Expenses$0$0$0$95,636,518

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$95,636,518
Total Expenses per Audited Statements$95,636,518
Total Expenses per Form 990$95,636,518
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
The Elga Credit Union FoundationGrand Blanc, MI501(c)(3)ENDOWMENT CAMPAIGN TO GIVE TAX-DEDUCTIBLE RECEIPTS AND WRITE GRANT MATCHING DOLLARS. THERE ARE THREE PILLARS TO THE FOUNDATION: PHILANTHROPY, EDUCATION, AND BUSINESS-START UPS.$644,126
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$15,933,074$16,795,042▲ $861,968
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Savings and Club Accounts$624,433,826
Share Draft Accounts$323,786,510
Certificates of Deposit and Ira Certificates$180,294,184
Individual Retirement Accounts$12,371,901
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

Membership is open to anyone who lives, works, worships, volunteers, or attends school within the state of michigan.

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

The board of directors is the governing body and consists of seven directors. The board of directors are elected by the members at an annual meeting.

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

Governance decisions of the organization such as mergers are voted on by the entire membership.

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

The form 990 is reviewed by management and an independent accounting firm prior to filing with the irs. The board of directors receive a copy of the form 990 before it is filed.

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

The conflict of interest policy is distributed to staff, board of directors and committees annually. It is monitored by the president/ceo, board of directors and key staff. All employees sign a code of conduct annually.

Form 990, Part VI, Section B, Line 15

Executive and employee salaries are reviewed and approved by the board of directors. Compensation policy and compensation budget are reviewed and approved by the board of directors.

Form 990, Part VI, Section C, Line 19

The credit union's bylaws and conflict of interest policy are available upon request at the credit union's main office. Monthly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial (call) reports are also available at www.ncua.gov for all federally insured credit unions.

Filing and Contact Details

Filer

Filer Name
Elga Credit Union
EIN
38-1441242
Phone
8107153542
Address
6065 GRAND POINTE BLVD, GRAND BLANC, MI 48439

Signing Officer

Name
Terry Katzur
Title
CEO
Phone
8107153542
Signed
2025-11-17

Organization Details

Principal Officer
Terry Katzur
Formed
1951
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
351
Volunteers
9

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

Other professional services 1,905,381.

FORM 990, PART XII, LINE 2C:

The oversight and selection process has not changed from the prior tax year.

Financial Statement Notes

PART X, LINE 2:

The credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.

Raw XML AppendixShowing 400 of 814 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/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/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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/OtherCompensationAmt938786
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1038788
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1146286
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1237524
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1338472
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1427168
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1513620
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1612333
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1724497
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1827957
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1934124
IRS990/Form990PartVIISectionAGrp/PersonNm0HAROLD MOTT
IRS990/Form990PartVIISectionAGrp/PersonNm1JOSEPH BORIS
IRS990/Form990PartVIISectionAGrp/PersonNm2CHRISTOPHER GOETZ
IRS990/Form990PartVIISectionAGrp/PersonNm3DIANA CURRIER
IRS990/Form990PartVIISectionAGrp/PersonNm4KEVIN KEANE
IRS990/Form990PartVIISectionAGrp/PersonNm5RODERICK SLAUGHTER
IRS990/Form990PartVIISectionAGrp/PersonNm6SHEVEZE ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm7RUTHY QUARLES
IRS990/Form990PartVIISectionAGrp/PersonNm8GLENN WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm9TERRY KATZUR
IRS990/Form990PartVIISectionAGrp/PersonNm10BRYAN RANDALL
IRS990/Form990PartVIISectionAGrp/PersonNm11DAVID BRANDT
IRS990/Form990PartVIISectionAGrp/PersonNm12KATHLEEN SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm13MALLORY HAZARD
IRS990/Form990PartVIISectionAGrp/PersonNm14ZACHARY EYCHANER
IRS990/Form990PartVIISectionAGrp/PersonNm15REBECCA JONES
IRS990/Form990PartVIISectionAGrp/PersonNm16AMY ZIMMER
IRS990/Form990PartVIISectionAGrp/PersonNm17CHADD O'BRIEN
IRS990/Form990PartVIISectionAGrp/PersonNm18DOUGLAS CHAMPAGNE
IRS990/Form990PartVIISectionAGrp/PersonNm19ROBERT CLONTZ
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt91033087
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10185753
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11365771
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12226396
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13188415
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14232913
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15148790
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16167105
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17187925
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18150784
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19150287
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
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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/TitleTxt0BOARD CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7SUPERVISORY COMMITTEE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt11EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF BRANCH EXPERIENCE
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF CONSUMER LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP OF DIGITAL EXPERIENCE
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIGITAL EXPERIENCE MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR OF MORTGAGE LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt17CORPORATE COUNSEL
IRS990/Form990PartVIISectionAGrp/TitleTxt18CREDIT SOLUTIONS MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt19BRANCH MANAGER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01951
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0108899
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GovernmentGrantsAmt02478839
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0644126
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0272865
IRS990/GrossReceiptsAmt0123261006
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt035
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt03470425
IRS990/InsuranceGrp/TotalAmt0255835
IRS990/InterestGrp/TotalAmt022439047
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt08834976
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt08834976
IRS990/InvestmentInJointVentureInd00
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02230800
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0158754769
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IRS990/IRPDocumentCnt032929
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IRS990/LandBldgEquipBasisNetGrp/BOYAmt031637498
IRS990/LandBldgEquipBasisNetGrp/EOYAmt029924610
IRS990/LandBldgEquipCostOrOtherBssAmt056053592
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0163966
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt034000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt010000000
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IRS990/NetAssetsOrFundBalancesEOYAmt0217145207
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0108899
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0108899
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt01855850
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02231695
IRS990/OfficeExpensesGrp/TotalAmt05806771
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt023752319
IRS990/OtherAssetsTotalGrp/EOYAmt021291470
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt03567523
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1ATM EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/TotalAmt016425064
IRS990/OtherExpensesGrp/TotalAmt14938492
IRS990/OtherExpensesGrp/TotalAmt22609552
IRS990/OtherLiabilitiesGrp/BOYAmt01087664538
IRS990/OtherLiabilitiesGrp/EOYAmt01140886421
IRS990/OtherSalariesAndWagesGrp/TotalAmt017344220
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01190298352
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01156916782
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01693159
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01301479
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02351590
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02811170
IRS990/PrincipalOfficerNm0TERRY KATZUR
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3520000
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES, CHARGES, AND OTHER
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3FINANCE AND INSURANCE
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt118728391
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt212932672
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt079686998
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt118728391
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt212932672
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3326265
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0326265
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES, AND OTHER. THE TOTAL NUMBER OF MEMBERS AT DECEMBER 31, 2024 WAS 98,766.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt02000000
IRS990/PYGrantsAndSimilarPaidAmt0490216
IRS990/PYInvestmentIncomeAmt05458896
IRS990/PYOtherExpensesAmt055778092
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0101238840
IRS990/PYRevenuesLessExpensesAmt027451423
IRS990/PYSalariesCompEmpBnftPaidAmt024978005
IRS990/PYTotalExpensesAmt081246313
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0108697736
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt015933074
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt016795042
IRS990/ReconcilationRevenueExpnssAmt027460522
IRS990/RegularMonitoringEnfrcInd01
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IRS990/RelatedOrganizationCtrlEntInd01
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0187828835
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0217145207
IRS990/SavingsAndTempCashInvstGrp/BOYAmt059743125
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0142174917
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/BuildingsGrp/BookValueAmt022281974
IRS990ScheduleD/BuildingsGrp/DepreciationAmt07824961
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt030106935
IRS990ScheduleD/EquipmentGrp/BookValueAmt02283259
IRS990ScheduleD/EquipmentGrp/DepreciationAmt017342657
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt019625916
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00

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