Civic Intelligence

Consumers Professional Credit Union

EIN 38-1446160 • 501(c)14 • Lansing, MI

Profile

We will commit ourselves to building lifelong relationships and giving the greatest service experience.

525 West Willow StreetLansing, MI 48906

www.cpcu.co

Siviq Scores

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

Liabilities / Assets

14th percentile

0.84x

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

501(c)14 • $100M-$250M nonprofits • Source year 2023

Liabilities / Revenue

47th percentile

15.46x

Higher debt load relative to revenue than 47% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Net Margin

86th percentile

24%

Higher net margin than 86% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

99th percentile

46%

Faster asset growth than 99% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Revenue Growth

99th percentile

105%

Faster revenue growth than 99% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets14th percentile

Assets

Up

$134,612,428

Up $531,632 (+0.4%) from 2023

Liabilities

Down

$111,829,607

Down $1,282,831 (-1.1%) from 2023

Net Assets

Up

$22,782,821

Up $1,814,463 (+8.7%) from 2023

Operations
Liabilities / Revenue47th percentileNet Margin86th percentile

Revenue

Up

$7,511,235

Up $196,812 (+2.7%) from 2023

Expenses

Up

$5,704,638

Up $131,462 (+2.4%) from 2023

Net Income

Up

$1,806,597

Up $65,350 (+3.8%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth99th percentile

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

$150M$100M$50M$0Assets 2010: $71,656,743Liabilities 2010: $62,000,948Net Assets 2010: $9,655,7952010Assets 2011: $73,999,869Liabilities 2011: $64,282,333Net Assets 2011: $9,717,5362011Assets 2012: $73,851,726Liabilities 2012: $63,899,068Net Assets 2012: $9,952,6582012Assets 2013: $73,390,626Liabilities 2013: $63,423,607Net Assets 2013: $9,967,0192013Assets 2014: $71,217,861Liabilities 2014: $60,721,220Net Assets 2014: $10,496,6412014Assets 2015: $72,900,323Liabilities 2015: $61,828,037Net Assets 2015: $11,072,2862015Assets 2016: $73,296,550Liabilities 2016: $61,803,598Net Assets 2016: $11,492,9522016Assets 2017: $74,011,378Liabilities 2017: $62,054,441Net Assets 2017: $11,956,9372017Assets 2018: $73,397,365Liabilities 2018: $60,821,829Net Assets 2018: $12,575,5362018Assets 2019: $76,087,235Liabilities 2019: $62,974,658Net Assets 2019: $13,112,5772019Assets 2020: $84,575,412Liabilities 2020: $71,110,857Net Assets 2020: $13,464,5552020Assets 2021: $89,634,619Liabilities 2021: $75,667,957Net Assets 2021: $13,966,6622021Assets 2022: $91,878,083Liabilities 2022: $77,232,946Net Assets 2022: $14,645,1372022Assets 2023: $134,080,796Liabilities 2023: $113,112,438Net Assets 2023: $20,968,3582023Assets 2024: $134,612,428Liabilities 2024: $111,829,607Net Assets 2024: $22,782,8212024

Highlighted filing

2024

Assets$134,612,428
Liabilities$111,829,607
Net Assets$22,782,821
Open 2024 Filing

Operations Trend

Revenue Growth99th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $4,047,9822010Expenses 2011: $3,877,4612011Expenses 2012: $3,398,2492012Revenue 2013: $3,510,221Expenses 2013: $3,416,558Net Income 2013: $93,6632013Revenue 2014: $3,512,141Expenses 2014: $3,047,404Net Income 2014: $464,7372014Revenue 2015: $3,437,923Expenses 2015: $2,864,793Net Income 2015: $573,1302015Revenue 2016: $3,418,106Expenses 2016: $3,008,095Net Income 2016: $410,0112016Revenue 2017: $3,396,859Expenses 2017: $2,932,874Net Income 2017: $463,9852017Revenue 2018: $3,575,134Expenses 2018: $2,956,535Net Income 2018: $618,5992018Revenue 2019: $3,712,243Expenses 2019: $3,175,202Net Income 2019: $537,0412019Revenue 2020: $3,470,682Expenses 2020: $3,118,704Net Income 2020: $351,9782020Revenue 2021: $3,274,883Expenses 2021: $2,767,350Net Income 2021: $507,5332021Revenue 2022: $3,563,157Expenses 2022: $2,861,376Net Income 2022: $701,7812022Revenue 2023: $7,314,423Expenses 2023: $5,573,176Net Income 2023: $1,741,2472023Revenue 2024: $7,511,235Expenses 2024: $5,704,638Net Income 2024: $1,806,5972024

Highlighted filing

2024

Revenue$7,511,235
Expenses$5,704,638
Net Income$1,806,597
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$134,612,428
Liabilities
$111,829,607
Net assets
$22,782,821
Revenue
$7,511,235
Expenses
$5,704,638
Net income
$1,806,597
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$135$112$22.8$7.51$5.70$1.81
2023Detailed filing. Detailed filing data is available for this year.$134$113$21.0$7.31$5.57$1.74
2022Detailed filing. Detailed filing data is available for this year.$91.9$77.2$14.6$3.56$2.86$0.70
2021Detailed filing. Detailed filing data is available for this year.$89.6$75.7$14.0$3.27$2.77$0.51
2020Detailed filing. Detailed filing data is available for this year.$84.6$71.1$13.5$3.47$3.12$0.35
2019Detailed filing. Detailed filing data is available for this year.$76.1$63.0$13.1$3.71$3.18$0.54
2018Detailed filing. Detailed filing data is available for this year.$73.4$60.8$12.6$3.58$2.96$0.62
2017Detailed filing. Detailed filing data is available for this year.$74.0$62.1$12.0$3.40$2.93$0.46
2016Detailed filing. Detailed filing data is available for this year.$73.3$61.8$11.5$3.42$3.01$0.41
2015Detailed filing. Detailed filing data is available for this year.$72.9$61.8$11.1$3.44$2.86$0.57
2014Detailed filing. Detailed filing data is available for this year.$71.2$60.7$10.5$3.51$3.05$0.46
2013Detailed filing. Detailed filing data is available for this year.$73.4$63.4$9.97$3.51$3.42$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$73.9$63.9$9.95$3.40
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.0$64.3$9.72$3.88
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$71.7$62.0$9.66$4.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 14, 2025
Return Version
2024v5.1
Gross Receipts
$7,511,235
Mission and Program Overview

Mission

Will commit ourselves to building lifelong partnerships and giving the greatest service experience and to be the member's primary financial institution for life.

We will commit ourselves to building lifelong relationships and giving the greatest service experience.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$63,144,132$62,256,243▼ $887,889
Investments Other Securities$29,980,773$44,001,997▲ $14,021,224
Rtn Earn Endowment Incm Other Fnds$20,968,358$22,782,821▲ $1,814,463
Savings and Temporary Cash Investments$33,521,045$20,605,530▼ $12,915,515
Land, Buildings, and Equipment, Net$2,436,110$2,293,692▼ $142,418
Intangible Assets$1,658,191$1,485,162▼ $173,029
Cash and Non-Interest-Bearing Accounts$1,309,466$1,210,674▼ $98,792
Investments in Publicly Traded Securities$188,149$950,139▲ $761,990
Prepaid Expenses and Deferred Charges$187,930$151,680▼ $36,250
Accounts Receivable$10,510$13,149▲ $2,639
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Inventories for Sale or Use-$0-
Total Assets$134,080,796$134,612,428▲ $531,632
Other Assets Total$1,644,490$1,644,162▼ $328
Liabilities
Other Liabilities$112,903,438$112,062,475▼ $840,963
Accounts Payable and Accrued Expenses$209,000$-232,868▼ $441,868
Total Liabilities$113,112,438$111,829,607▼ $1,282,831
Net Assets / Fund Balance
Total Net Assets Fund Balance$20,968,358$22,782,821▲ $1,814,463
Total Liabilities and Net Assets / Fund Balance$134,080,796$134,612,428▲ $531,632

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,468,717$1,930,262$3,398,979
Other Land Buildings$301,749$624,824$926,573
Equipment$173,809$467,254$641,063
Land$349,417-$349,417
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Terry GarrisonPresident & CEOFT$136,938$28,430$165,368

Board Members and Trustees

NameTitle
William BurkeChairman
Christine ShearerDirector
Marvin KnightDirector
Mike FrederickDirector
Tobias WebberDirector
Anne WilsonSecretary
Jeff StumpTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,670,255
Investment Income
$2,840,980
Other Revenue
$0
Change in Net Assets
$1,806,597
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,830,587
Salaries, Compensation, and Employee Benefits$1,874,051
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,707,098
Other Salaries and Wages---$1,396,566
Office Expenses---$814,646
Information Technology---$262,686
Occupancy---$247,861
Current Officers, Directors, Trustees, and Key Employees---$165,368
Payroll Taxes---$135,361
Depreciation Depletion---$115,372
Other Employee Benefits---$110,860
Advertising---$79,079
Pension Plan Contributions---$65,896
Travel---$60,229
Other Expenses---$58,566
Insurance---$36,747
All Other Expenses---$22,335
Payments to Affiliates---$6,937
Total Functional Expenses$0$0$0$5,704,638
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$111,996,859
Other Liabilities$65,616
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
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 4

“Merger occurred on 7/1/2023 resulting in bylaw and organizational changes.”

Form 990, Part VI, Section A, Line 6

“Section 501c14 credit union is composed of members.”

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

“Members vote on bylaw and charter changes. Members vote and elect board members at annual meeting.”

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

“Mergers are voted on by entire membership.”

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

“Management reviews tax returns and forwards us form 8879-te to tax preparer. Board reviews filed tax returns at next scheduled meeting.”

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

“Employee loans are management approved. Management loans are board approved. Loans to board members are approved by the board minus the lendee.”

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

“Executive and employee salaries are board reviewed and approved. Board of directors are not compensated.”

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

“Executive and employee salaries are board reviewed and approved. Board of directors are not compensated.”

Form 990, Part VI, Section C, Line 18

“Board approved financial statements are located in the lobby.”

Form 990, Part VI, Section C, Line 19

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

Filing and Contact Details

Filer

Filer Name
Consumers Professional Credit Union
EIN
38-1446160
Phone
5173722400
Address
525 WEST WILLOW STREET, LANSING, MI 48906

Signing Officer

Name
Terry Garrison
Title
President & CEO
Signed
2025-04-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Terry Garrison
Formed
1953
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
62
Volunteers
7

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Donald E Lingerfelt
Phone
8005225820
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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/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0WE WILL COMMIT OURSELVES TO BUILDING LIFELONG RELATIONSHIPS AND GIVING THE GREATEST SERVICE EXPERIENCE.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt020968358
IRS990/NetAssetsOrFundBalancesEOYAmt022782821
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IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt07866
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IRS990/OccupancyGrp/TotalAmt0247861
IRS990/OfficeExpensesGrp/TotalAmt0814646
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01644490
IRS990/OtherAssetsTotalGrp/EOYAmt01644162
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0110860
IRS990/OtherExpensesGrp/Desc0PCL
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXP
IRS990/OtherExpensesGrp/Desc2PRO SERVICES
IRS990/OtherExpensesGrp/Desc3MISC & OTHER
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IRS990/OtherExpensesGrp/TotalAmt1157892
IRS990/OtherExpensesGrp/TotalAmt259139
IRS990/OtherExpensesGrp/TotalAmt358566
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt0112903438
IRS990/OtherLiabilitiesGrp/EOYAmt0112062475
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt01396566
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt062256243
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt06937
IRS990/PayrollTaxesGrp/TotalAmt0135361
IRS990/PensionPlanContributionsGrp/TotalAmt065896
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0187930
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0151680
IRS990/PrincipalOfficerNm0TERRY GARRISON
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0FEES AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INSURANCE SALES
IRS990/ProgramServiceRevenueGrp/Desc2LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0893954
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13725212
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0916224
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt128819
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23725212
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt022270
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt128819
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2024 WAS 3,624.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt02389746
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt03539273
IRS990/PYOtherRevenueAmt0428482
IRS990/PYProgramServiceRevenueAmt04496195
IRS990/PYRevenuesLessExpensesAmt01741247
IRS990/PYSalariesCompEmpBnftPaidAmt02033903
IRS990/PYTotalExpensesAmt05573176
IRS990/PYTotalRevenueAmt07314423
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IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt01806597
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IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt020968358
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt022782821
IRS990/SavingsAndTempCashInvstGrp/BOYAmt033521045
IRS990/SavingsAndTempCashInvstGrp/EOYAmt020605530
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01468717
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01930262
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03398979
IRS990ScheduleD/EquipmentGrp/BookValueAmt0173809
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0467254
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0641063
IRS990ScheduleD/LandGrp/BookValueAmt0349417
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0349417
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0301749
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0624824
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0926573
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0111996859
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt165616
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OTHER LIABILITIES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02293692
IRS990ScheduleD/TotalBookValueSecuritiesAmt044001997
IRS990ScheduleD/TotalLiabilityAmt0112062475
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0136938
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt014000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt014430
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TERRY GARRISON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0165368
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MERGER OCCURRED ON 7/1/2023 RESULTING IN BYLAW AND ORGANIZATIONAL CHANGES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SECTION 501C14 CREDIT UNION IS COMPOSED OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS VOTE ON BYLAW AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS AT ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MERGERS ARE VOTED ON BY ENTIRE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MANAGEMENT REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-TE TO TAX PREPARER. BOARD REVIEWS FILED TAX RETURNS AT NEXT SCHEDULED MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EMPLOYEE LOANS ARE MANAGEMENT APPROVED. MANAGEMENT LOANS ARE BOARD APPROVED. LOANS TO BOARD MEMBERS ARE APPROVED BY THE BOARD MINUS THE LENDEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8BOARD APPROVED FINANCIAL STATEMENTS ARE LOCATED IN THE LOBBY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9CREDIT UNION BYLAWS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST AT THE CREDIT UNION'S MAIN OFFICE. QUARTERLY FINANCIAL STATEMENTS ARE DISPLAYED IN THE LOBBY WHICH IS ACCESSIBLE TO THE GENERAL PUBLIC. QUARTERLY FINANCIAL PERFORMANCE CALL REPORTS ARE ALSO AVAILABLE AT WWW.NCUA.GOV FOR ALL FEDERALLY INSURED CREDIT UNIONS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part VI, Section C, Line 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0134080796
IRS990/TotalAssetsEOYAmt0134612428
IRS990/TotalAssetsGrp/BOYAmt0134080796
IRS990/TotalAssetsGrp/EOYAmt0134612428
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt062
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt05704638
IRS990/TotalGrossUBIAmt051089
IRS990/TotalLiabilitiesBOYAmt0113112438
IRS990/TotalLiabilitiesEOYAmt0111829607
IRS990/TotalLiabilitiesGrp/BOYAmt0113112438
IRS990/TotalLiabilitiesGrp/EOYAmt0111829607
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt020968358
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt022782821
IRS990/TotalOtherCompensationAmt028430
IRS990/TotalProgramServiceRevenueAmt04670255
IRS990/TotalReportableCompFromOrgAmt0136938
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt07460146
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt07511235
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt051089
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0134080796
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0134612428
IRS990/TravelGrp/TotalAmt060229
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0525 WEST WILLOW STREET
IRS990/USAddress/CityNm0LANSING
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048906
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0https://www.cpcu.co/
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TERRY GARRISON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President & CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CONSUMERS PROFESSIONAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CONS
ReturnHeader/Filer/EIN0381446160
ReturnHeader/Filer/PhoneNum05173722400
ReturnHeader/Filer/USAddress/AddressLine1Txt0525 WEST WILLOW STREET
ReturnHeader/Filer/USAddress/CityNm0LANSING
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048906
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0650152722
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06447 W HIGHWAY 146
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CRESTWOOD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040014
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Donald E Lingerfelt
ReturnHeader/ReturnTs02025-04-14T06:58:14-07:00

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