Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2019 • EIN 38-1447620

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 11, 2020

Organization ProfileWWW.CFCU.ORG

View Organization Page

PO Box 8050Plymouth, MI 48170-8050

(734) 453-1200

Siviq Scores

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

Liabilities / Assets

31st percentile

0.88x

Higher debt load relative to assets than 31% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Liabilities / Revenue

27th percentile

15.73x

Higher debt load relative to revenue than 27% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Net Margin

24th percentile

14%

Higher net margin than 24% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Top Officer Pay

16th percentile

$589,681

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 1.0% of source-year revenue.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Asset Growth

56th percentile

8.7%

Faster asset growth than 56% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Revenue Growth

82nd percentile

17%

Faster revenue growth than 82% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets31st percentile

Assets

Up

$1,013,235,547

Up $81,217,871 (+8.7%) from 2018

Net Assets

Up

$120,610,411

Up $7,739,951 (+6.9%) from 2018

Liabilities

Up

$892,625,136

Up $73,477,920 (+9.0%) from 2018

Revenue And Expenses
Liabilities / Revenue27th percentileNet Margin24th percentile

Revenue

Up

$56,742,135

Up $8,309,966 (+17%) from 2018

Expenses

Up

$49,078,834

Up $9,296,915 (+23%) from 2018

Net Income

Down

$7,663,301

Down $986,949 (-11%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$2.0B$1.5B$1.0B$500M$0Assets 2013: $543,090,240Liabilities 2013: $470,782,307Net Assets 2013: $72,307,9332013Assets 2014: $604,957,148Liabilities 2014: $525,316,252Net Assets 2014: $79,640,8962014Assets 2015: $701,971,073Liabilities 2015: $614,222,945Net Assets 2015: $87,748,1282015Assets 2016: $766,064,130Liabilities 2016: $670,714,020Net Assets 2016: $95,350,1102016Assets 2017: $856,824,004Liabilities 2017: $752,589,695Net Assets 2017: $104,234,3092017Assets 2018: $932,017,676Liabilities 2018: $819,147,216Net Assets 2018: $112,870,4602018Assets 2019: $1,013,235,547Liabilities 2019: $892,625,136Net Assets 2019: $120,610,4112019Assets 2020: $1,160,339,636Liabilities 2020: $1,030,315,939Net Assets 2020: $130,023,6972020Assets 2021: $1,253,139,306Liabilities 2021: $1,110,856,254Net Assets 2021: $142,283,0522021Assets 2022: $1,531,731,546Liabilities 2022: $1,382,194,058Net Assets 2022: $149,537,4882022Assets 2023: $1,594,945,276Liabilities 2023: $1,445,878,056Net Assets 2023: $149,067,2202023Assets 2024: $1,579,342,761Liabilities 2024: $1,429,747,897Net Assets 2024: $149,594,8642024

Highlighted filing

2019

Assets$1,013,235,547
Liabilities$892,625,136
Net Assets$120,610,411
Open 2019 Filing

Operations Trend

Revenue Growth82nd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$150M$100M$50M$0Revenue 2013: $32,672,547Expenses 2013: $23,034,326Net Income 2013: $9,638,2212013Revenue 2014: $31,319,467Expenses 2014: $23,978,882Net Income 2014: $7,340,5852014Revenue 2015: $35,367,180Expenses 2015: $27,253,306Net Income 2015: $8,113,8742015Revenue 2016: $39,182,523Expenses 2016: $31,558,306Net Income 2016: $7,624,2172016Revenue 2017: $43,314,527Expenses 2017: $34,394,742Net Income 2017: $8,919,7852017Revenue 2018: $48,432,169Expenses 2018: $39,781,919Net Income 2018: $8,650,2502018Revenue 2019: $56,742,135Expenses 2019: $49,078,834Net Income 2019: $7,663,3012019Revenue 2020: $59,570,795Expenses 2020: $50,153,741Net Income 2020: $9,417,0542020Revenue 2021: $61,092,324Expenses 2021: $48,698,466Net Income 2021: $12,393,8582021Revenue 2022: $68,299,039Expenses 2022: $58,544,558Net Income 2022: $9,754,4812022Revenue 2023: $99,983,788Expenses 2023: $96,013,609Net Income 2023: $3,970,1792023Revenue 2024: $106,672,065Expenses 2024: $106,128,097Net Income 2024: $543,9682024

Highlighted filing

2019

Revenue$56,742,135
Expenses$49,078,834
Net Income$7,663,301
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 11, 2020
Return Version
2019v5.0
Gross Receipts
$56,742,135
Mission and Program Overview

Mission

Community Financial Credit Union is a state chartered, not-for-profit, full-service financial institution owned and governed by its membership. At Community Financial, we are committed to our members and our communities. For over 65 years, we've provided our Michigan members competitively-priced savings & loans products, outstanding service and support to their neighborhoods.

Community Financial Credit Union is a state chartered, not-for-profit, full-service financial institution owned and governed by its membership. At Community Financial, we are committed to our members and our communities. For over 68 years, we've provided our Michigan members competitively-priced savings & loans products, outstanding service and support to their neighborhoods.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$861,487,694$941,164,719▲ $79,677,025
Rtn Earn Endowment Incm Other Fnds$112,870,460$120,610,411▲ $7,739,951
Investments Other Securities$38,769,408$38,339,831▼ $429,577
Land, Buildings, and Equipment, Net$17,468,770$17,590,413▲ $121,643
Cash and Non-Interest-Bearing Accounts$4,365,736$5,575,363▲ $1,209,627
Receivables From Officers Etc$3,072,584$2,350,088▼ $722,496
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0--
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund-$0-
Cap Stk Tr Prin Current Funds-$0-
Inventories for Sale or Use-$0-
Loans From Officers Directors$0$0→ $0
Total Assets$932,017,676$1,013,235,547▲ $81,217,871
Other Assets Total$6,853,484$8,215,133▲ $1,361,649
Liabilities
Other Liabilities$806,673,701$875,796,991▲ $69,123,290
Accounts Payable and Accrued Expenses$9,800,009$10,775,598▲ $975,589
Escrow Account Liability$2,673,506$6,052,547▲ $3,379,041
Grants Payable-$0-
Mortgage Notes Payable Secured by Investment Property-$0-
Unsecured Notes Loans Payable-$0-
Deferred Revenue-$0-
Tax Exempt Bond Liabilities-$0-
Total Liabilities$819,147,216$892,625,136▲ $73,477,920
Net Assets / Fund Balance
Net Assets With Donor Restrictions-$0-
Net Assets Without Donor Restrictions-$0-
Total Net Assets Fund Balance$112,870,460$120,610,411▲ $7,739,951
Total Liabilities and Net Assets / Fund Balance$932,017,676$1,013,235,547▲ $81,217,871

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,270,023$6,620,192$16,890,215
Equipment$2,149,250$7,313,873$9,463,123
Land$5,074,618-$5,074,618
Other Land Buildings$96,522-$96,522
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
-CEOFT$374,562$215,119$589,681
-VP Business ServicesFT$129,642$378,084$507,726
-Chief Marketing & Sales OfficerFT$236,828$133,407$370,235
-CFOFT$260,689$108,885$369,574
-Chief It OfficerFT$210,020$112,697$322,717
-Chief Lending OfficerFT$197,432$115,314$312,746
-Chief Human Resources OfficerFT$177,067$101,786$278,853
-Chief Residential and Commercial Lending OfficerFT$169,467$107,280$276,747
-Chief Emerging Risk OfficerFT$143,872$111,179$255,051
-Investment RepresentativeFT$49,126$158,596$207,722
-Manager/core OperationsFT$148,753$56,647$205,400
-VP SalesFT$148,440$46,890$195,330
-VP LendingFT$128,481$53,266$181,747

Board Members and Trustees

NameTitle
-Board Chair
-1st Vice chairperson
-2nd vice chairperson
-2ND VICE CHAIRPERSON (Partial year)
-Board Member
-BOARD MEMBER (partial year)
-Treasurer/Secretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Co-opCard Processor1500 NW 118TH STREET, Des Moines, IA 50325$1,638,997
Jack Henry & Associates IncCore Processor Services663 W Highway 60, Monet, MO 65708$691,858
Shaw Construction And Management CompanyConstruction And Maintenance Services13980 FARMINGTON RD, Livonia, MI 48154$415,716
First LookAppraisal Services65 E Wacker Place Ste 1610, Chicago, IL 60601$406,145
Doxim IncMailing Services220 Spring Street Ste 550, Herndon, VA 20170$386,633
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$53,349,637
Investment Income
$818,717
Other Revenue
$2,573,781
All Other Contributions
$0
Change in Net Assets
$7,663,301
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$25,330,209
Salaries, Compensation, and Employee Benefits$23,117,799
Grants and Similar Amounts Paid$630,826
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$16,563,728
Interest---$8,093,863
Office Expenses---$4,591,400
Current Officers, Directors, Trustees, and Key Employees$0$0$0$2,775,604
Occupancy---$1,730,428
Other Employee Benefits---$1,428,013
Payroll Taxes---$1,404,142
Advertising---$1,218,941
Pension Plan Contributions---$946,312
Depreciation Depletion---$739,277
Grants to Domestic Orgs---$600,826
All Other Expenses$0$0$0$524,072
Conferences and Meetings---$338,469
Travel---$317,027
Insurance---$307,384
Fees for Services Accounting---$131,345
Fees for Services Legal---$43,750
Grants to Domestic Individuals---$30,000
Fees for Services Other$0$0$0$19,457
Other Expenses---$4,015
Total Functional Expenses$0$0$0$49,078,834
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Canton Foundation (Scholarships)Canton, MI501(c)(3)General Support$27,771
United WayPlymouth, MI501(c)(3)General Support$13,534
Plymouth-Canton Educational Excellence FoundationPlymouth, MI501(c)(3)General Support$10,000
Samaritas (Family Center)Detroit, MI501(c)(3)General Support$10,000
ThawDetroit, MI501(c)(3)General Support$10,000
WTVS PBS Kids Club EventWixom, MI501(c)(3)General Support$10,000
Canton TownshipCanton, MIGovernmentGeneral Support$9,990
Detroit Cristo ReyDetroit, MI501(c)(3)General Support$7,470
American Cancer SocietySouthfield, MI501(c)(3)General Support$7,390
Novi City ofNovi, MIGovernmentGeneral Support$7,000
Forgotten HarvestOak Park, MI501(c)(3)General Support$6,000
Habitat for Humanity of Western Wayne CountyWayne, MI501(c)(3)General Support$6,000
Salvation Army of PlymouthPlymouth, MI501(c)(3)General Support$5,500
Canton Chamber of CommerceCanton, MI501(c)(6)General Support$5,300
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$3,072,584$2,350,088▼ $722,496
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Certificates$260,534,852
Checking$189,162,576
Member Savings$162,209,194
Money Market$142,232,641
Borrowings$72,800,000
Other Savings$48,857,728
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
No
Other officer compensation reviewed
No
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, Line 15 process for determining compensation

“Every other year the credit union engages with D Hilton to have compensation grades repriced and evaluated. The last review was done in 2018.”

Form 990, Part VI, Line 6 Classes of members or stockholders

“Each account holder is a member of the credit union.”

Form 990, Part VI, Line 7A Members or stockholders electing members of governing body

“The members of the credit union vote on board member changes and charter changes.”

Form 990, Part VI, Line 7B Decisions requiring approval by members or stockholders

“The members of the credit union vote on board member changes and charter changes.”

Form 990, Part VI, Line 11B Review of form 990 by governing body

“The AVP of Electronic & Financial Solutions reviews both Form 990 and 990T prior to filing.”

Form 990, Part VI, Line 12C Conflict of interest policy

“The organization's officers, directors, trustees, and key employees are required to annually disclose any actual or potential conflicts of interest they may have with the organization. Each signed policy statement is reviewed to determine if any conflicts exist and need to be brought to the attention of the board. If a conflict arises, the respective board member will abstain from any related discussion, vote, or similar action on the matter.”

Form 990, Part VI, Line 19 Required documents available to the public

“The financial statements are posted in each branch office, updated monthly. The governing documents are not available to the public.”

Form 990, Part VIII, Line 11D Other Miscellaneous Revenue

“MISC INCOME - Total Revenue: 215215, Related or Exempt Function Revenue: 213316, Unrelated Business Revenue: 1899, Revenue Excluded from Tax Under Sections 512, 513, or 514: ; MASTERCARD INCENTIVE - Total Revenue: 164168, Related or Exempt Function Revenue: 164168, Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ; - Total Revenue: , Related or Exempt Function Revenue: , Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ;”

Filing and Contact Details

Filer

Filer Name
Community Financial Credit Union
EIN
38-1447620
Phone
7344531200
Address
PO BOX 8050, PLYMOUTH, MI 48170-8050

Signing Officer

Name
Margaret Pankow
Title
Senior Vice President/CFO
Signed
2020-11-11
Discuss with paid preparer
Yes

Organization Details

Formed
2012
Legal Domicile
Mi
Voting Board Members
10
Independent Board Members
10
Employees
321
Volunteers
15

Preparer

Firm
Crowe Llp
Address
9600 Brownsboro Road Suite 400, Louisville, KY 40241-1122
Preparer
Kim Scifres
Phone
5023263996
Supplemental Narrative

Additional Explanations

Form 990, Part IV, Line 12A FINANCIAL STATEMENTS FOR THE TAX YEAR

“The audited financials use a regulatory year end of march 31. An audit will next be performed for the march 31, 2020 year end.”

Financial Statement Notes

Schedule D, Part IV, Line 2B Explanation of escrow agreement

“The organization maintains members shares escrows and fhlbi and fnma investor escrows.”

Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote

“The Credit Union is exempt, under Internal Revenue Code (IRC) 501(c)(14), from federal and state income taxes. The Credit Union has filed tax returns in the past for activities it has deemed taxable and has a minimal net operating loss carryforward as of the 2019 calendar year. The taxing authorities have the ability to assess taxes, penalties, and interest for any years for which no tax return was filed. In the opinion of management, any liability resulting from taxing authorities imposing income taxes on the net taxable income from activities potentially deemed to be unrelated to the Credit Union's exempt purpose is not expected to have a material effect on the Credit Union's financial position or results of operations. The Credit Union evaluated its tax positions and determined no uncertain tax positions exist as of March 31, 2020. The Credit Union's 2016 through 2019 tax years are open for examination by federal and state taxing authorities.”

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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/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt5ADI SATHI
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt6Dennis LaVoy
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt7Mary Lowing
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt8Patricia Reese
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt9PAUL BEDICH
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt10Ron Meteyer
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt11RON METEYER
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IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt14CHRIS CURRY
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt15ERIC ESSER
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt16JILL JOHNSON
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt17MARGARET PANKOW
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt18RANDY PENNER
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt19WILLIAM LAWTON
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt20DAVID HEFFNER
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt21DIANE KENNY
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IRS990/Form990PartVIISectionAGrp/TitleTxt01st Vice chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt12nd vice chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt22ND VICE CHAIRPERSON (Partial year)
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer/Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER (partial year)
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF IT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF HUMAN RESOURCES OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF EMERGING RISK OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF RESIDENTIAL AND COMMERCIAL LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt18CHIEF MARKETING & SALES OFFICER
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IRS990/Form990PartVIISectionAGrp/TitleTxt21VP SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt22INVESTMENT REPRESENTATIVE
IRS990/Form990PartVIISectionAGrp/TitleTxt23MANAGER/CORE OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt24VP BUSINESS SERVICES
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IRS990/MissionDesc0Community Financial Credit Union is a state chartered, not-for-profit, full-service financial institution owned and governed by its membership. At Community Financial, we are committed to our members and our communities. For over 65 years, we've provided our Michigan members competitively-priced savings & loans products, outstanding service and support to their neighborhoods.
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Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,013,235,547
Liabilities
$892,625,136
Net assets
$120,610,411
Revenue
$56,742,135
Expenses
$49,078,834
Net income
$7,663,301
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,579$1,430$150$107$106$0.54
2023Detailed filing. Detailed filing data is available for this year.$1,595$1,446$149$100.0$96.0$3.97
2022Detailed filing. Detailed filing data is available for this year.$1,532$1,382$150$68.3$58.5$9.75
2021Detailed filing. Detailed filing data is available for this year.$1,253$1,111$142$61.1$48.7$12.4
2020Detailed filing. Detailed filing data is available for this year.$1,160$1,030$130$59.6$50.2$9.42
2019Detailed filing. Detailed filing data is available for this year.$1,013$893$121$56.7$49.1$7.66
2018Detailed filing. Detailed filing data is available for this year.$932$819$113$48.4$39.8$8.65
2017Detailed filing. Detailed filing data is available for this year.$857$753$104$43.3$34.4$8.92
2016Detailed filing. Detailed filing data is available for this year.$766$671$95.4$39.2$31.6$7.62
2015Detailed filing. Detailed filing data is available for this year.$702$614$87.7$35.4$27.3$8.11
2014Detailed filing. Detailed filing data is available for this year.$605$525$79.6$31.3$24.0$7.34
2013Detailed filing. Detailed filing data is available for this year.$543$471$72.3$32.7$23.0$9.64