Civic Intelligence

Credit Unions Chartered in the State of Michigan Monroe Community Credit Union

990 • Fiscal year 2016 • EIN 38-1449622

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 03, 2017

Organization ProfileWWW.MCCCU.ORG
715 N Telegraph RoadMonroe, MI 48162

(734) 242-3222

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.91x

Higher debt load relative to assets than 73% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

39th percentile

16.60x

Higher debt load relative to revenue than 39% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

23rd percentile

4.8%

Higher net margin than 23% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

81st percentile

$286,736

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 2.8% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

66th percentile

5.9%

Faster asset growth than 66% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

29th percentile

2.5%

Faster revenue growth than 29% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$187,050,883

Up $10,441,269 (+5.9%) from 2015

Net Assets

Up

$16,952,618

Up $1,291,698 (+8.2%) from 2015

Liabilities

Up

$170,098,265

Up $9,149,571 (+5.7%) from 2015

Revenue And Expenses
Liabilities / Revenue39th percentileNet Margin23rd percentile

Revenue

Up

$10,248,683

Up $253,911 (+2.5%) from 2015

Expenses

Up

$9,753,734

Up $460,577 (+5.0%) from 2015

Net Income

Down

$494,949

Down $206,666 (-29%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth66th percentile

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

$400M$300M$200M$100M$0Assets 2010: $140,199,519Liabilities 2010: $130,126,476Net Assets 2010: $10,073,0432010Assets 2011: $153,279,637Liabilities 2011: $142,587,153Net Assets 2011: $10,692,4842011Assets 2012: $152,600,460Liabilities 2012: $140,554,341Net Assets 2012: $12,046,1192012Assets 2013: $153,329,811Liabilities 2013: $140,163,149Net Assets 2013: $13,166,6622013Assets 2014: $160,918,889Liabilities 2014: $146,904,581Net Assets 2014: $14,014,3082014Assets 2015: $176,609,614Liabilities 2015: $160,948,694Net Assets 2015: $15,660,9202015Assets 2016: $187,050,883Liabilities 2016: $170,098,265Net Assets 2016: $16,952,6182016Assets 2017: $193,061,765Liabilities 2017: $174,741,953Net Assets 2017: $18,319,8122017Assets 2018: $204,472,303Liabilities 2018: $184,796,878Net Assets 2018: $19,675,4252018Assets 2019: $221,708,515Liabilities 2019: $199,052,493Net Assets 2019: $22,656,0222019Assets 2020: $276,514,623Liabilities 2020: $251,977,949Net Assets 2020: $24,536,6742020Assets 2021: $313,354,238Liabilities 2021: $287,953,230Net Assets 2021: $25,401,0082021Assets 2022: $328,301,890Liabilities 2022: $306,469,587Net Assets 2022: $21,832,3032022Assets 2023: $339,911,186Liabilities 2023: $311,189,286Net Assets 2023: $28,721,9002023Assets 2024: $365,217,624Liabilities 2024: $330,128,027Net Assets 2024: $35,089,5972024

Highlighted filing

2016

Assets$187,050,883
Liabilities$170,098,265
Net Assets$16,952,618
Open 2016 Filing

Operations Trend

Revenue Growth29th percentile

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

$30M$20M$10M$0Expenses 2010: $9,245,6362010Expenses 2011: $8,654,0312011Expenses 2012: $8,466,2902012Revenue 2013: $8,756,547Expenses 2013: $7,830,409Net Income 2013: $926,1382013Revenue 2014: $8,810,154Expenses 2014: $7,747,211Net Income 2014: $1,062,9432014Revenue 2015: $9,994,772Expenses 2015: $9,293,157Net Income 2015: $701,6152015Revenue 2016: $10,248,683Expenses 2016: $9,753,734Net Income 2016: $494,9492016Revenue 2017: $10,553,075Expenses 2017: $8,888,230Net Income 2017: $1,664,8452017Revenue 2018: $11,214,388Expenses 2018: $9,180,209Net Income 2018: $2,034,1792018Revenue 2019: $11,912,517Expenses 2019: $9,633,479Net Income 2019: $2,279,0382019Revenue 2020: $11,091,707Expenses 2020: $10,058,051Net Income 2020: $1,033,6562020Revenue 2021: $12,144,673Expenses 2021: $9,902,021Net Income 2021: $2,242,6522021Revenue 2022: $13,744,255Expenses 2022: $10,866,903Net Income 2022: $2,877,3522022Revenue 2023: $17,587,630Expenses 2023: $13,004,407Net Income 2023: $4,583,2232023Revenue 2024: $20,422,600Expenses 2024: $15,859,895Net Income 2024: $4,562,7052024

Highlighted filing

2016

Revenue$10,248,683
Expenses$9,753,734
Net Income$494,949
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 3, 2017
Return Version
2016v3.0
Gross Receipts
$10,248,683
Mission and Program Overview

Mission

Monroe county community credit union is a critical part of the communities we serve. As a not-for-profit financial institution, our day job is to provide exceptional banking services to each and every member of our credit union, but our real passion is to make an impact in the lives of each and every member of our community. Together with our employees, volunteers, and members, we don't just serve the community, we are the community.

A member owned, quality service oriented financial institution, positioned to meet the financial needs of our members in a personable and courteous manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$104,707,848$108,608,945▲ $3,901,097
Investments in Publicly Traded Securities$34,778,019$30,098,498▼ $4,679,521
Savings and Temporary Cash Investments$22,545,397$23,243,822▲ $698,425
Rtn Earn Endowment Incm Other Fnds$15,660,920$16,952,618▲ $1,291,698
Investments Other Securities$2,329,300$12,858,700▲ $10,529,400
Cash and Non-Interest-Bearing Accounts$4,907,408$4,191,317▼ $716,091
Land, Buildings, and Equipment, Net$3,474,235$3,325,528▼ $148,707
Accounts Receivable$635,259$1,255,485▲ $620,226
Prepaid Expenses and Deferred Charges$219,541$194,218▼ $25,323
Intangible Assets$94,031$76,371▼ $17,660
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$176,609,614$187,050,883▲ $10,441,269
Other Assets Total$2,918,576$3,197,999▲ $279,423
Liabilities
Other Liabilities$159,575,045$168,623,157▲ $9,048,112
Accounts Payable and Accrued Expenses$1,373,649$1,475,108▲ $101,459
Total Liabilities$160,948,694$170,098,265▲ $9,149,571
Net Assets / Fund Balance
Total Net Assets Fund Balance$15,660,920$16,952,618▲ $1,291,698
Total Liabilities and Net Assets / Fund Balance$176,609,614$187,050,883▲ $10,441,269

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,147,965$1,357,305$3,505,270
Equipment$461,448$1,161,703$1,623,151
Land$716,115-$716,115
Other Securities$566,800--
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael NewmanCEOFT$205,448$81,288$286,736
Mark RadwanskiCFOFT$111,648$45,044$156,692

Board Members and Trustees

NameTitle
Barry KinseyChairman
Michael MillerVice Chairman
Connie OchsDirector
Dolores EvansDirector
Kenneth StrittDirector
Matthew HehlDirector
Robert DegraerDirector
Gary SievertSecretary
Jennifer PoupardTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FisCredit/debit Card Processor601 RIVERSIDE AVENUE, Jacksonville, FL 32204$975,416
Cu AnswersCore System Processor6000 28TH SE STE 100, Grand Rapids, MI 49546$520,109
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,343,106
Investment Income
$817,271
Other Revenue
$88,306
Change in Net Assets
$494,949

Audited Revenue Reconciliation

Revenue per Audited Statements
$10,248,683
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$10,248,683
Total Revenue per Form 990
$10,248,683
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,695,742
Salaries, Compensation, and Employee Benefits$4,057,992
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,531,770
Other Employee Benefits---$604,572
Office Expenses---$544,019
Current Officers, Directors, Trustees, and Key Employees---$443,428
Information Technology---$438,936
Occupancy---$289,806
Payroll Taxes---$256,793
Depreciation Depletion---$255,513
Pension Plan Contributions---$221,429
Other Expenses---$199,444
Fees for Services Other---$160,059
Interest---$143,422
Travel---$119,987
Advertising---$114,492
Fees for Services Legal---$79,910
Insurance---$67,736
Fees for Services Accounting---$65,916
All Other Expenses---$45,351
Payments to Affiliates---$29,461
Conferences and Meetings---$889
Total Functional Expenses$0$0$0$9,753,734

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,753,734
Total Expenses per Audited Statements$9,753,734
Total Expenses per Form 990$9,753,734
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares$168,623,157
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 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

“Every individual that has an account with the credit union is a member of the credit union.”

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

“Members of the credit union can elect members of the governing body.”

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

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

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

“990 is prepared by 3rd party and a draft return is then sent to the cfo for review and final approval.”

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

“Disclosure forms are reviewed by compliance officer and added to employee/director third party account relationships.”

Form 990, Part VI, Section B, Line 15

“Salaries are paid based on the results of an industry compensation survey compiled by the credit union national association.”

Form 990, Part VI, Section C, Line 19

“The credit union's conflict of interest policy and governing documents are not made available to the public. Financial statements are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State of
EIN
38-1449622
Phone
7342423222
Address
715 N TELEGRAPH ROAD, MONROE, MI 48162

Signing Officer

Name
Mark Radwanski
Title
Interim President and CEO
Phone
7342423222
Signed
2017-11-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mark Radwanski
Formed
1953
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
94
Volunteers
7

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Joseph Zito CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net actuarial gains on post-retirement benefit plan 105,795.”

FORM 990, PART XII, LINE 2C:

“We have a committee that assumes responsibility for the oversight of the audit of its financial statements and selection of an independent accountant. Our process has not changed from the prior year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute, from federal income taxes on income related to the exempt purpose of the credit union. The credit union is a state-chartered credit union described in internal revenue code ("irc") section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. Many states have similar laws. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been an issue for many years. In 2007, the internal revenue service ("irs") issued a series of technical advice memoranda ("tam") to a number of state-chartered credit unions located throughout the country. In these tams, the irs ruled certain products and services to be subject to taxation as unrelated business income. In light of the tams, the credit union has assessed its activities and any potential federal or state income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purpose is not expected to have a material effect on the credit union's financial condition or results of operations. The credit union's income tax filings are subject to audit by various taxing authorities and open tax periods include 2013 - 2016.”

Raw XML AppendixShowing 400 of 479 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01373649
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01475108
IRS990/AccountsReceivableGrp/BOYAmt0635259
IRS990/AccountsReceivableGrp/EOYAmt01255485
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0A MEMBER OWNED, QUALITY SERVICE ORIENTED FINANCIAL INSTITUTION, POSITIONED TO MEET THE FINANCIAL NEEDS OF OUR MEMBERS IN A PERSONABLE AND COURTEOUS MANNER.
IRS990/AdvertisingGrp/TotalAmt0114492
IRS990/AllOtherExpensesGrp/TotalAmt045351
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0MARK RADWANSKI
IRS990/BooksInCareOfDetail/PhoneNum07343842704
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0715 N TELEGRAPH RD
IRS990/BooksInCareOfDetail/USAddress/CityNm0MONROE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048162
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt04907408
IRS990/CashNonInterestBearingGrp/EOYAmt04191317
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0443428
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt0889
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0975416
IRS990/ContractorCompensationGrp/CompensationAmt1520109
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0601 RIVERSIDE AVENUE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt16000 28TH SE STE 100
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0JACKSONVILLE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1GRAND RAPIDS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0FL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd032204
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd149546
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0FIS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1CU ANSWERS
IRS990/ContractorCompensationGrp/ServicesDesc0CREDIT/DEBIT CARD PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc1CORE SYSTEM PROCESSOR
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0817271
IRS990/CYOtherExpensesAmt05695742
IRS990/CYOtherRevenueAmt088306
IRS990/CYProgramServiceRevenueAmt09343106
IRS990/CYRevenuesLessExpensesAmt0494949
IRS990/CYSalariesCompEmpBnftPaidAmt04057992
IRS990/CYTotalExpensesAmt09753734
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt010248683
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0255513
IRS990/Desc0LOANS TO MEMBERS
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt094
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt065916
IRS990/FeesForServicesLegalGrp/TotalAmt079910
IRS990/FeesForServicesOtherGrp/TotalAmt0160059
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt05.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt15.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt25.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt35.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt45.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt55.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt65.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt75.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt85.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt950.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1050.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
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/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
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/OtherCompensationAmt935650
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1030474
IRS990/Form990PartVIISectionAGrp/PersonNm0DOLORES EVANS
IRS990/Form990PartVIISectionAGrp/PersonNm1ROBERT DEGRAER
IRS990/Form990PartVIISectionAGrp/PersonNm2MICHAEL MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm3GARY SIEVERT
IRS990/Form990PartVIISectionAGrp/PersonNm4BARRY KINSEY
IRS990/Form990PartVIISectionAGrp/PersonNm5JENNIFER POUPARD
IRS990/Form990PartVIISectionAGrp/PersonNm6MATTHEW HEHL
IRS990/Form990PartVIISectionAGrp/PersonNm7CONNIE OCHS
IRS990/Form990PartVIISectionAGrp/PersonNm8KENNETH STRITT
IRS990/Form990PartVIISectionAGrp/PersonNm9MICHAEL NEWMAN
IRS990/Form990PartVIISectionAGrp/PersonNm10MARK RADWANSKI
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9251086
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10126218
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt010248683
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0438936
IRS990/InsuranceGrp/TotalAmt067736
IRS990/IntangibleAssetsGrp/BOYAmt094031
IRS990/IntangibleAssetsGrp/EOYAmt076371
IRS990/InterestGrp/TotalAmt0143422
IRS990/InvestmentIncomeGrp/ExclusionAmt0817271
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0817271
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt02329300
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt012858700
IRS990/InvestmentsPubTradedSecGrp/BOYAmt034778019
IRS990/InvestmentsPubTradedSecGrp/EOYAmt030098498
IRS990/IRPDocumentCnt02999
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02519008
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03474235
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03325528
IRS990/LandBldgEquipCostOrOtherBssAmt05844536
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A MEMBER OWNED, QUALITY SERVICE ORIENTED FINANCIAL INSTITUTION, POSITIONED TO MEET THE FINANCIAL NEEDS OF OUR MEMBERS IN A PERSONABLE AND COURTEOUS MANNER.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt015660920
IRS990/NetAssetsOrFundBalancesEOYAmt016952618
IRS990/NetUnrelatedBusTxblIncmAmt068200
IRS990/NetUnrlzdGainsLossesInvstAmt0690954
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0289806
IRS990/OfficeExpensesGrp/TotalAmt0544019
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02918576
IRS990/OtherAssetsTotalGrp/EOYAmt03197999
IRS990/OtherChangesInNetAssetsAmt0105795
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0604572
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT/CREDIT EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3EQUIPMENT/BUILDING MAIN
IRS990/OtherExpensesGrp/TotalAmt01858600
IRS990/OtherExpensesGrp/TotalAmt11051883
IRS990/OtherExpensesGrp/TotalAmt2230318
IRS990/OtherExpensesGrp/TotalAmt3199444
IRS990/OtherLiabilitiesGrp/BOYAmt0159575045
IRS990/OtherLiabilitiesGrp/EOYAmt0168623157
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/Desc0ATM INCOME
IRS990/OtherRevenueMiscGrp/Desc1BROKERAGE INCOME
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt082583
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt15723
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt082583
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt15723
IRS990/OtherRevenueTotalAmt088306
IRS990/OtherSalariesAndWagesGrp/TotalAmt02531770
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0104707848
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0108608945
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt029461
IRS990/PayrollTaxesGrp/TotalAmt0256793
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0221429
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0219541
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0194218
IRS990/PrincipalOfficerNm0MARK RADWANSKI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05581808
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13761298
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05581808
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13761298
IRS990/ProgSrvcAccomActy2Grp/Desc0CARD SERVICES
IRS990/ProgSrvcAccomActy3Grp/Desc0COURTESY PAY
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0674993
IRS990/PYOtherExpensesAmt05426306
IRS990/PYOtherRevenueAmt0249265
IRS990/PYProgramServiceRevenueAmt09070514
IRS990/PYRevenuesLessExpensesAmt0701615
IRS990/PYSalariesCompEmpBnftPaidAmt03866851
IRS990/PYTotalExpensesAmt09293157
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09994772
IRS990/ReconcilationRevenueExpnssAmt0494949
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt015660920
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt016952618
IRS990/SavingsAndTempCashInvstGrp/BOYAmt022545397
IRS990/SavingsAndTempCashInvstGrp/EOYAmt023243822
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02147965
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01357305
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03505270
IRS990ScheduleD/EquipmentGrp/BookValueAmt0461448
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01161703
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01623151
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt09753734
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0716115
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0716115
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0168623157
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0334900
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt111957000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2566800
IRS990ScheduleD/OtherSecuritiesGrp/Desc0FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc1LONG TERM INTEREST BEARING DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2PERPETUAL CONTRIBUTED CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt010248683
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL INCOME TAXES ON INCOME RELATED TO THE EXEMPT PURPOSE OF THE CREDIT UNION. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE ("IRC") SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AN ISSUE FOR MANY YEARS. IN 2007, THE INTERNAL REVENUE SERVICE ("IRS") ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL CONDITION OR RESULTS OF OPERATIONS. THE CREDIT UNION'S INCOME TAX FILINGS ARE SUBJECT TO AUDIT BY VARIOUS TAXING AUTHORITIES AND OPEN TAX PERIODS INCLUDE 2013 - 2016.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03325528
IRS990ScheduleD/TotalBookValueSecuritiesAmt012858700
IRS990ScheduleD/TotalExpensesPerForm990Amt09753734
IRS990ScheduleD/TotalLiabilityAmt0168623157
IRS990ScheduleD/TotalRevenuePerForm990Amt010248683
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt010248683
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt09753734
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0205448
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1111648
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount020496
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount110000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt018216
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt110177
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt017434
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt120297
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt025142
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt14570
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHAEL NEWMAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1MARK RADWANSKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0286736
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1156692
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0CEO PAYS TAX ON THE INTEREST ON HIS COLLATERAL SPLIT DOLLAR PLAN BASED ON THE BLENDED ANNUAL TAX RATE IN EFFECT. THIS GETS ADDED TO HIS W-2. HE IS THEN REIMBURSED THROUGH PAYROLL FOR HIS TAXES PAID AT 30% OF THE INCOME AMOUNT.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1A
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EVERY INDIVIDUAL THAT HAS AN ACCOUNT WITH THE CREDIT UNION IS A MEMBER OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE CREDIT UNION CAN ELECT MEMBERS OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3990 IS PREPARED BY 3RD PARTY AND A DRAFT RETURN IS THEN SENT TO THE CFO FOR REVIEW AND FINAL APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DISCLOSURE FORMS ARE REVIEWED BY COMPLIANCE OFFICER AND ADDED TO EMPLOYEE/DIRECTOR THIRD PARTY ACCOUNT RELATIONSHIPS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5SALARIES ARE PAID BASED ON THE RESULTS OF AN INDUSTRY COMPENSATION SURVEY COMPILED BY THE CREDIT UNION NATIONAL ASSOCIATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION'S CONFLICT OF INTEREST POLICY AND GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NET ACTUARIAL GAINS ON POST-RETIREMENT BENEFIT PLAN 105,795.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8WE HAVE A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT ACCOUNTANT. OUR PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$187,050,883
Liabilities
$170,098,265
Net assets
$16,952,618
Revenue
$10,248,683
Expenses
$9,753,734
Net income
$494,949
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$365$330$35.1$20.4$15.9$4.56
2023Detailed filing. Detailed filing data is available for this year.$340$311$28.7$17.6$13.0$4.58
2022Detailed filing. Detailed filing data is available for this year.$328$306$21.8$13.7$10.9$2.88
2021Detailed filing. Detailed filing data is available for this year.$313$288$25.4$12.1$9.90$2.24
2020Detailed filing. Detailed filing data is available for this year.$277$252$24.5$11.1$10.1$1.03
2019Detailed filing. Detailed filing data is available for this year.$222$199$22.7$11.9$9.63$2.28
2018Detailed filing. Detailed filing data is available for this year.$204$185$19.7$11.2$9.18$2.03
2017Detailed filing. Detailed filing data is available for this year.$193$175$18.3$10.6$8.89$1.66
2016Detailed filing. Detailed filing data is available for this year.$187$170$17.0$10.2$9.75$0.49
2015Detailed filing. Detailed filing data is available for this year.$177$161$15.7$9.99$9.29$0.70
2014Detailed filing. Detailed filing data is available for this year.$161$147$14.0$8.81$7.75$1.06
2013Detailed filing. Detailed filing data is available for this year.$153$140$13.2$8.76$7.83$0.93
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$153$141$12.0$8.47
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$153$143$10.7$8.65
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$140$130$10.1$9.25
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2016 filings • 501(c)14 • $100M-$250M nonprofits