Civic Intelligence

Credit Unions Chartered in the State of Michigan

EIN 38-1448844 • 501(c)14 • Auburn Hills, MI

Profile

To improve the financial lives of our members through education, trust, and innovative services.

3501 Hamlin RdAuburn Hills, MI 48326

www.bbcu.org

Siviq Scores

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

Liabilities / Assets

26th percentile

0.88x

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

501(c)14 • $250M-$1B nonprofits • Source year 2025

Liabilities / Revenue

65th percentile

15.92x

Higher debt load relative to revenue than 65% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Net Margin

89th percentile

21%

Higher net margin than 89% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Top Officer Pay

46th percentile

$421,263

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Asset Growth

36th percentile

1.3%

Faster asset growth than 36% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2024 to 2025

Revenue Growth

40th percentile

11%

Faster revenue growth than 40% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets26th percentile

Assets

Up

$335,809,779

Up $4,203,217 (+1.3%) from 2024

Liabilities

Up

$294,829,865

Up $224,496 (+0.1%) from 2024

Net Assets

Up

$40,979,914

Up $3,978,721 (+11%) from 2024

Operations
Liabilities / Revenue65th percentileNet Margin89th percentile

Revenue

Up

$18,513,861

Up $1,795,350 (+11%) from 2024

Expenses

Up

$14,588,558

Up $197,629 (+1.4%) from 2024

Net Income

Up

$3,925,303

Up $1,597,721 (+69%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth36th percentile

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

$400M$300M$200M$100M$0Assets 2010: $49,053,750Liabilities 2010: $45,824,870Net Assets 2010: $3,228,8802010Assets 2011: $51,403,758Liabilities 2011: $47,557,471Net Assets 2011: $3,846,2872011Assets 2012: $55,121,872Liabilities 2012: $51,054,219Net Assets 2012: $4,067,6532012Assets 2013: $56,032,979Liabilities 2013: $51,777,762Net Assets 2013: $4,255,2172013Assets 2014: $58,447,068Liabilities 2014: $53,889,283Net Assets 2014: $4,557,7852014Assets 2015: $62,096,885Liabilities 2015: $57,350,710Net Assets 2015: $4,746,1752015Assets 2016: $69,706,261Liabilities 2016: $64,601,973Net Assets 2016: $5,104,2882016Assets 2017: $69,413,035Liabilities 2017: $63,801,176Net Assets 2017: $5,611,8592017Assets 2018: $69,066,277Liabilities 2018: $62,937,800Net Assets 2018: $6,128,4772018Assets 2019: $119,620,480Liabilities 2019: $108,644,263Net Assets 2019: $10,976,2172019Assets 2020: $257,460,605Liabilities 2020: $234,990,850Net Assets 2020: $22,469,7552020Assets 2021: $344,071,075Liabilities 2021: $312,416,587Net Assets 2021: $31,654,4882021Assets 2022: $357,324,452Liabilities 2022: $324,176,449Net Assets 2022: $33,148,0032022Assets 2023: $367,730,295Liabilities 2023: $333,174,033Net Assets 2023: $34,556,2622023Assets 2024: $331,606,562Liabilities 2024: $294,605,369Net Assets 2024: $37,001,1932024Assets 2025: $335,809,779Liabilities 2025: $294,829,865Net Assets 2025: $40,979,9142025

Highlighted filing

2025

Assets$335,809,779
Liabilities$294,829,865
Net Assets$40,979,914
Open 2025 Filing

Operations Trend

Revenue Growth40th percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $2,220,0572010Revenue 2011: $2,455,733Expenses 2011: $1,839,426Net Income 2011: $616,3072011Revenue 2012: $2,403,151Expenses 2012: $2,177,927Net Income 2012: $225,2242012Revenue 2013: $2,178,156Expenses 2013: $1,989,485Net Income 2013: $188,6712013Revenue 2014: $2,034,965Expenses 2014: $1,733,936Net Income 2014: $301,0292014Revenue 2015: $2,057,581Expenses 2015: $1,865,821Net Income 2015: $191,7602015Revenue 2016: $2,590,474Expenses 2016: $2,230,839Net Income 2016: $359,6352016Revenue 2017: $2,677,966Expenses 2017: $2,168,968Net Income 2017: $508,9982017Revenue 2018: $2,842,841Expenses 2018: $2,324,818Net Income 2018: $518,0232018Revenue 2019: $4,226,519Expenses 2019: $3,616,307Net Income 2019: $610,2122019Revenue 2020: $9,035,067Expenses 2020: $8,302,221Net Income 2020: $732,8462020Revenue 2021: $9,615,353Expenses 2021: $8,605,964Net Income 2021: $1,009,3892021Revenue 2022: $11,922,409Expenses 2022: $10,055,951Net Income 2022: $1,866,4582022Revenue 2023: $14,355,199Expenses 2023: $12,736,325Net Income 2023: $1,618,8742023Revenue 2024: $16,718,511Expenses 2024: $14,390,929Net Income 2024: $2,327,5822024Revenue 2025: $18,513,861Expenses 2025: $14,588,558Net Income 2025: $3,925,3032025

Highlighted filing

2025

Revenue$18,513,861
Expenses$14,588,558
Net Income$3,925,303
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$335,809,779
Liabilities
$294,829,865
Net assets
$40,979,914
Revenue
$18,513,861
Expenses
$14,588,558
Net income
$3,925,303
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$336$295$41.0$18.5$14.6$3.93
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$332$295$37.0$16.7$14.4$2.33
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$368$333$34.6$14.4$12.7$1.62
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$357$324$33.1$11.9$10.1$1.87
2021Detailed filing. Detailed filing data is available for this year.$344$312$31.7$9.62$8.61$1.01
2020Detailed filing. Detailed filing data is available for this year.$257$235$22.5$9.04$8.30$0.73
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$120$109$11.0$4.23$3.62$0.61
2018Detailed filing. Detailed filing data is available for this year.$69.1$62.9$6.13$2.84$2.32$0.52
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$69.4$63.8$5.61$2.68$2.17$0.51
2016Detailed filing. Detailed filing data is available for this year.$69.7$64.6$5.10$2.59$2.23$0.36
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$62.1$57.4$4.75$2.06$1.87$0.19
2014Detailed filing. Detailed filing data is available for this year.$58.4$53.9$4.56$2.03$1.73$0.30
2013Detailed filing. Detailed filing data is available for this year.$56.0$51.8$4.26$2.18$1.99$0.19
2012Summary only. Only limited summary data is available for this year.$55.1$51.1$4.07$2.40$2.18$0.23
2011Summary only. Only limited summary data is available for this year.$51.4$47.6$3.85$2.46$1.84$0.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.1$45.8$3.23$2.22
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 9, 2026
Return Version
2025v4.0
Gross Receipts
$18,513,861
Mission and Program Overview

Mission

We strive to improve the financial lives of our members through education, trust, and innovative products and services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$205,294,724$224,554,776▲ $19,260,052
Rtn Earn Endowment Incm Other Fnds$37,001,193$40,979,914▲ $3,978,721
Investments in Publicly Traded Securities$9,105,719$36,235,153▲ $27,129,434
Savings and Temporary Cash Investments$62,915,759$30,751,881▼ $32,163,878
Investments Other Securities$34,160,094$25,588,714▼ $8,571,380
Land, Buildings, and Equipment, Net$10,352,107$10,331,019▼ $21,088
Cash and Non-Interest-Bearing Accounts$3,153,647$2,852,169▼ $301,478
Prepaid Expenses and Deferred Charges$1,185,741$596,167▼ $589,574
Intangible Assets$878,682$579,469▼ $299,213
Accounts Receivable$369,120$419,178▲ $50,058
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$331,606,562$335,809,779▲ $4,203,217
Other Assets Total$4,190,969$3,901,253▼ $289,716
Liabilities
Other Liabilities$293,389,289$292,328,221▼ $1,061,068
Accounts Payable and Accrued Expenses$1,216,080$2,501,644▲ $1,285,564
Total Liabilities$294,605,369$294,829,865▲ $224,496
Net Assets / Fund Balance
Total Net Assets Fund Balance$37,001,193$40,979,914▲ $3,978,721
Total Liabilities and Net Assets / Fund Balance$331,606,562$335,809,779▲ $4,203,217

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,976,184$1,205,035$7,181,219
Land$2,817,263-$2,817,263
Other Land Buildings$1,313,787$1,096,973$2,410,760
Equipment$223,785$319,838$543,623
Leasehold Improvements-$130,015$130,015
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Andrew StaleyPresident & CEOFT$317,469$103,794$421,263
Stacy WilsonVice PresidentFT$171,118$44,340$215,458
Gerry CoyneVice PresidentFT$152,121$51,084$203,205
Vicki BridsonCFOFT$129,172$44,903$174,075
Annette SwidwinskiVice PresidentFT$129,551$23,640$153,191
James BoehlerVice PresidentFT$110,666$34,766$145,432
Jessica AldrichVice PresidentFT$101,004$33,907$134,911
Leeann ZeliaskoVice PresidentFT$103,245$30,397$133,642
Deanna KoenVice PresidentFT$94,938$33,408$128,346

Board Members and Trustees

NameTitle
Richard PerryChairman
George WiegandDirector
Glen MitchellDirector
Greg FisherDirector
James StevensonDirector
Leslie LoganDirector
Robert KupferDirector
Steven TaylorDirector
Norman JuchnoSecretary
Elizabeth MorehouseTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CuanswersData Processing6000 28TH ST, Grand Rapids, MI 49546$748,724
Health Alliance PlanHealth Insurance2850 W GRAND BLVD, Detroit, MI 48202$712,845
FisPlastics Processor11601 ROOSEVELT BLVD, St Petersburg, FL 33716-2202$692,188
Diebold Nixdorf INCAtm Services350 ORCHARD AVE NE, Canton, OH 44720$439,806
Marquis Software SolutionsDigital Solutions5208 Tennyson Pkwy Suite 120, Plano, TX 75024$187,369
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,269,566
Investment Income
$4,244,295
Other Revenue
$0
Change in Net Assets
$3,925,303
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$7,442,766
Other Expenses$7,145,792
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,852,642
Interest---$1,792,708
Current Officers, Directors, Trustees, and Key Employees---$1,709,523
Office Expenses---$1,569,266
Other Employee Benefits---$1,157,486
Occupancy---$1,084,152
Information Technology---$622,351
Advertising---$540,332
Payroll Taxes---$454,414
Depreciation Depletion---$415,952
Pension Plan Contributions---$268,701
Other Expenses---$166,925
Travel---$141,560
Insurance---$82,881
Fees for Services Legal---$17,943
Payments to Affiliates---$13,915
All Other Expenses---$-412,759
Total Functional Expenses$0$0$0$14,588,558
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
Shares$292,328,221
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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 single class of members with equal rights of ownership, governance, and voting”

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

“The board of directors are elected for three year terms at the annual meeting in march of each year on a rotating basis.”

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

“Credit union decisions that are subject to membership approval are mergers.”

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

“A review is conducted by the ceo/president prior to submission to the irs. Copies are made available to the board of directors for review.”

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

“Policy is reviewed annually, at which time disclosures, if any, are reviewed.”

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

“The ceo/president's compensation is reviewed annually based on performance. The board of directors utilize salary surveys to approve compensation. A compensation survey is used and reviewed with the board of directors. The ceo/president conducts the review of the executive vice president .”

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

“The ceo/president conducts the review of the executive vice presidents.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union lobby. Other documents and policies are available for review upon request.”

Filing and Contact Details

Filer

Filer Name
Michigan United Credit Union
EIN
38-1448844
Phone
2486475958
Address
3501 HAMLIN RD, AUBURN HILLS, MI 48326

Signing Officer

Name
Andrew Staley
Title
President & CEO
Signed
2026-03-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Andrew Staley
Formed
1931
Legal Domicile
Mi
Voting Board Members
12
Independent Board Members
12
Employees
106
Volunteers
13

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Thomas Cvinar
Phone
8005225820
Raw XML AppendixShowing 400 of 564 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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IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01216080
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02501644
IRS990/AccountsReceivableGrp/BOYAmt0369120
IRS990/AccountsReceivableGrp/EOYAmt0419178
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0WE STRIVE TO IMPROVE THE FINANCIAL LIVES OF OUR MEMBERS THROUGH EDUCATION, TRUST, AND INNOVATIVE PRODUCTS AND SERVICES.
IRS990/AddressChangeInd0X
IRS990/AdvertisingGrp/TotalAmt0540332
IRS990/AllOtherExpensesGrp/TotalAmt0-412759
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0false
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0ANDREW STALEY
IRS990/BooksInCareOfDetail/PhoneNum02486475958
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03501 HAMLIN RD
IRS990/BooksInCareOfDetail/USAddress/CityNm0AUBURN HILLS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048326
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt03153647
IRS990/CashNonInterestBearingGrp/EOYAmt02852169
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt09
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01709523
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0748724
IRS990/ContractorCompensationGrp/CompensationAmt1712845
IRS990/ContractorCompensationGrp/CompensationAmt2692188
IRS990/ContractorCompensationGrp/CompensationAmt3187369
IRS990/ContractorCompensationGrp/CompensationAmt4439806
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt12850 W GRAND BLVD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt211601 ROOSEVELT BLVD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt35208 Tennyson Pkwy Suite 120
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt4350 ORCHARD AVE NE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0GRAND RAPIDS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1DETROIT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2ST PETERSBURG
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3PLANO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4CANTON
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2FL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4OH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd049546
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd444720
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CUANSWERS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1HEALTH ALLIANCE PLAN
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2FIS
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4DIEBOLD NIXDORF INC
IRS990/ContractorCompensationGrp/ServicesDesc0DATA PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc1HEALTH INSURANCE
IRS990/ContractorCompensationGrp/ServicesDesc2PLASTICS PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc3DIGITAL SOLUTIONS
IRS990/ContractorCompensationGrp/ServicesDesc4ATM SERVICES
IRS990/CreditCounselingInd0false
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IRS990/CYContributionsGrantsAmt00
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IRS990/CYOtherExpensesAmt07145792
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt014269566
IRS990/CYRevenuesLessExpensesAmt03925303
IRS990/CYSalariesCompEmpBnftPaidAmt07442766
IRS990/CYTotalExpensesAmt014588558
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt018513861
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0415952
IRS990/Desc0THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF ACTIVE MEMBERS AT 12/31/2025 WAS 24,143.
IRS990/DescribedInSection501c3Ind0false
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IRS990/DocumentRetentionPolicyInd0true
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IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt0106
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt017943
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
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IRS990/Form990PartVIISectionAGrp/TitleTxt0President & CEO
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IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, CHECK CASHING, WIRE TRANSFERS, MONEY ORDERS, TRAVELER'S CHECKS, COURTESY PAY, FINANCIAL EDUCATION & COUNSELING AND VARIOUS INSURANCE PROGRAMS.
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