Civic Intelligence

True Community Credit Union

990 • Fiscal year 2022 • EIN 38-1453620

Jan 01, 2022 to Dec 31, 2022 • Filed on Oct 24, 2023

Organization ProfileWWW.TRUECCU.COM

View Organization Page

1100 Clinton RdJackson, MI 49202

(517) 784-7101

Siviq Scores

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

Liabilities / Assets

46th percentile

0.91x

Higher debt load relative to assets than 46% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Liabilities / Revenue

31st percentile

17.61x

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

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Net Margin

21st percentile

11%

Higher net margin than 21% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Top Officer Pay

43rd percentile

$392,386

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Asset Growth

17th percentile

-1.1%

Faster asset growth than 17% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Revenue Growth

71st percentile

16%

Faster revenue growth than 71% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets46th percentile

Assets

Down

$683,496,777

Down $7,551,702 (-1.1%) from 2021

Net Assets

Down

$62,393,537

Down $3,475,578 (-5.3%) from 2021

Liabilities

Down

$621,103,240

Down $4,076,124 (-0.7%) from 2021

Revenue And Expenses
Liabilities / Revenue31st percentileNet Margin21st percentile

Revenue

Up

$35,270,035

Up $4,930,692 (+16%) from 2021

Expenses

Up

$31,553,892

Up $5,363,849 (+20%) from 2021

Net Income

Down

$3,716,143

Down $433,157 (-10%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth17th percentile

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

$1.0B$500M$0Assets 2020: $574,958,863Liabilities 2020: $518,327,937Net Assets 2020: $56,630,9262020Assets 2021: $691,048,479Liabilities 2021: $625,179,364Net Assets 2021: $65,869,1152021Assets 2022: $683,496,777Liabilities 2022: $621,103,240Net Assets 2022: $62,393,5372022Assets 2023: $703,073,726Liabilities 2023: $634,391,716Net Assets 2023: $68,682,0102023Assets 2024: $880,536,100Liabilities 2024: $790,015,237Net Assets 2024: $90,520,8632024

Highlighted filing

2022

Assets$683,496,777
Liabilities$621,103,240
Net Assets$62,393,537
Open 2022 Filing

Operations Trend

Revenue Growth71st percentile

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

$80M$60M$40M$20M$0Revenue 2020: $8,877,262Expenses 2020: $8,319,371Net Income 2020: $557,8912020Revenue 2021: $30,339,343Expenses 2021: $26,190,043Net Income 2021: $4,149,3002021Revenue 2022: $35,270,035Expenses 2022: $31,553,892Net Income 2022: $3,716,1432022Revenue 2023: $42,926,246Expenses 2023: $38,572,848Net Income 2023: $4,353,3982023Revenue 2024: $67,574,993Expenses 2024: $64,395,175Net Income 2024: $3,179,8182024

Highlighted filing

2022

Revenue$35,270,035
Expenses$31,553,892
Net Income$3,716,143
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Oct 24, 2023
Return Version
2022v5.0
Gross Receipts
$43,686,146
Mission and Program Overview

Mission

To cultivate legacy-defining moments for the people and places we serve for generations to come.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$426,522,967$546,043,742▲ $119,520,775
Investments in Publicly Traded Securities$47,116,610$68,062,271▲ $20,945,661
Rtn Earn Endowment Incm Other Fnds$65,869,115$62,393,537▼ $3,475,578
Investments Other Securities$22,966,955$15,998,624▼ $6,968,331
Prepaid Expenses and Deferred Charges$15,055,851$13,086,723▼ $1,969,128
Savings and Temporary Cash Investments$152,550,990$12,842,195▼ $139,708,795
Land, Buildings, and Equipment, Net$7,245,220$6,976,333▼ $268,887
Cash and Non-Interest-Bearing Accounts$5,406,110$4,554,197▼ $851,913
Receivables From Officers Etc$3,200,000$3,211,234▲ $11,234
Accounts Receivable$2,411,109$1,657,045▼ $754,064
Intangible Assets$356,600$267,450▼ $89,150
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$691,048,479$683,496,777▼ $7,551,702
Other Assets Total$8,216,067$10,796,963▲ $2,580,896
Liabilities
Other Liabilities$619,207,081$616,094,555▼ $3,112,526
Accounts Payable and Accrued Expenses$4,972,283$5,008,685▲ $36,402
Mortgage Notes Payable Secured by Investment Property$1,000,000--
Total Liabilities$625,179,364$621,103,240▼ $4,076,124
Net Assets / Fund Balance
Total Net Assets Fund Balance$65,869,115$62,393,537▼ $3,475,578
Total Liabilities and Net Assets / Fund Balance$691,048,479$683,496,777▼ $7,551,702

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,770,275$9,165,687$10,935,962
Buildings$3,310,890$6,285,640$9,596,530
Land$1,804,395-$1,804,395
Leasehold Improvements$90,773$207,982$298,755
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christina SidersPresident/CEOFT$306,285$86,101$392,386
Valerie MoskalChief Operations OfficerFT$197,766$54,791$252,557
Jason MatleyEvp Startegy & TransformationFT$201,086$48,716$249,802
Terry FrenchInvestments Services RepFT$203,105$28,070$231,175
Canis ArbrouetVP Technology SolutionsFT$146,144$46,506$192,650
Sarah ErmatingerChief Experience OfficerFT$160,076$32,275$192,351
Heather HarbackVP People & CultureFT$135,871$55,147$191,018
Lance SchnitkeyVP of FinanceFT$139,163$41,990$181,153
Shawn ChristieVP Payment Strategy & InnovationFT$135,461$45,624$181,085
Rebecca BillingsleySenior Director of Human ResourcesFT$119,837$52,170$172,007
Brandi ColeSenior Director of Risk ManagementFT$124,097$25,116$149,213
Stacy SnyderDirector of Mortgage LendingFT$121,998$25,890$147,888
Jeff ThomassonSenior Mortgage Lending SpecialistFT$141,067$-13,968$127,099

Board Members and Trustees

NameTitle
Carl GilzowAudit & Oversight Committee Chair
Ken RudolphAudit & Oversight Committee Chair
Quentin GuinnBoard Chairperson
Josh BurgettBoard Vice Chairperson
Neil FernandesAssociate Director
Chelsea PageBoard Director
Dennis DecostaBoard Director
John HostetlerBoard Director
Karen RichardBoard Director
L Keith AckerBoard Director
Regina PinneyBoard Director
Tom ButmanBoard Director
Jo Ann RandBoard Secretary
Tim DentonBoard Treasurer
Shari WaltersAudit & Oversight Committee

Highest Paid Contractors

ContractorServicesLocationCompensation
Harmon Management LLCConstruction417 COPPERSMITH DRIVE, Mason, MI 48854$1,229,077
Jack Henry And AssociatesSoftware ServicePO BOX 609, Monett, MO 65708$617,821
Doxim INCStatement/marketing Materials747 EASY WHITCOMB AVE, Madison Heights, MI 48071$421,339
Finastra USA CorporationMobile AppPO BOX 535120, Atlanta, GA 30353$395,067
Diebold Nixdorf IncorporatedAtm Installation/supportPO BOX 643543, Pittsburgh, PA 15264$335,200
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$33,217,903
Investment Income
$2,052,132
Other Revenue
$0
Change in Net Assets
$3,716,143

Audited Revenue Reconciliation

Revenue per Audited Statements
$35,270,035
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$35,270,035
Total Revenue per Form 990
$35,270,035
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$16,184,469
Other Expenses$15,369,423
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,615,999
Office Expenses---$2,120,813
Current Officers, Directors, Trustees, and Key Employees---$1,833,002
Interest---$1,697,233
Advertising---$1,513,240
Other Employee Benefits---$1,503,011
Pension Plan Contributions---$1,297,636
All Other Expenses---$1,293,688
Fees for Services Other---$1,283,404
Depreciation Depletion---$1,270,787
Occupancy---$962,231
Payroll Taxes---$934,821
Other Expenses---$686,780
Conferences and Meetings---$171,535
Fees for Services Accounting---$162,658
Fees for Services Legal---$138,281
Insurance---$106,142
Travel---$61,193
Payments to Affiliates---$15,557
Total Functional Expenses$0$0$0$31,553,892

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$31,553,892
Total Expenses per Audited Statements$31,553,892
Total Expenses per Form 990$31,553,892
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$3,200,000$3,211,234▲ $11,234
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$616,094,555
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All account holders are referred to as members.”

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

“Credit union members elect the board members.”

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

“Members of the credit union have the right to approve the 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

“Review will be performed by ceo and vp of finance.”

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

“Policies are reviewed annually and all volunteers complete conflict of interest forms after the annual meeting each year.”

Form 990, Part VI, Section B, Line 15

“President/ceo - the board of director's performs an annual performance evaluation of the president/ceo. Based on the goals achieved and results of the review, a merit adjustment is calculated. The results of the review and the proposed merit adjustment is reviewed by the board of directors. At the same time, the board also obtains a salary study from a salary consultant (balanced comp) for presidents and chief financial officers in similar sized institutions. A variety of survey data is used by the consultant to prepare the recommended pay range and placement of the pay for the president/ceo. In addition, the committee reviews 990 data, and other industry resources for information to determine if any additional adjustment is required to ensure the president/ceo is being paid appropriately. Once a final merit adjustment is agreed upon, the board of directors takes a formal vote. This adjustment information is presented to the president/ceo and provided to human resources to process the proper adjustement to the president/ceo's compensation. Cfo and other officers/key employees - pay grades for the position are also recommended by balanced comp, a salary consultant. They use various professional survey data to determine appropriate minimum, midpoint and maximum pay rates. Merit increases are calculated based on a matrix recommended through balanced comp that considers longevity, goal achievement and position within the pay grade. The overall merit budget is approved by the board of director's in the budget approval process. No merit adjustment is given until board approval is official.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents and conflict of interest policy are not made available to the public. Financial statements are available to the public via the quarterly call report on ncua.gov.”

Filing and Contact Details

Filer

Filer Name
True Community Credit Union
EIN
38-1453620
Phone
5177847101
Address
1100 CLINTON RD, JACKSON, MI 49202

Signing Officer

Name
Lance Schnitkey
Title
CFO
Phone
5177847101
Signed
2023-10-24

Organization Details

Principal Officer
Christina Siders
Formed
2020
Legal Domicile
Mi
Voting Board Members
10
Independent Board Members
10
Employees
243
Volunteers
17

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Jack C Tracy
Phone
2482443000
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Visa expense 674,747. Fraud 381,027. Miscellaneous 177,095. Collection expense 69,679. Non-operating (gains)/losses -8,860.”

FORM 990, PART XI, LINE 9:

“Net change in unrealized losses on post-retirement benefit plan -2,565,653.”

Form 990, Part XII, Line 2B

“The financial statements are audited on a fiscal year end and form 990 is reported on a calendar year end.”

Form 990, Part XII, Line 2C

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

Financial Statement Notes

PART X, LINE 2:

“Income taxes the credit union is exempt, by statute, from federal and state income taxes.”

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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$683,496,777
Liabilities
$621,103,240
Net assets
$62,393,537
Revenue
$35,270,035
Expenses
$31,553,892
Net income
$3,716,143
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$881$790$90.5$67.6$64.4$3.18
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$703$634$68.7$42.9$38.6$4.35
2022Detailed filing. Detailed filing data is available for this year.$683$621$62.4$35.3$31.6$3.72
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$691$625$65.9$30.3$26.2$4.15
2020Summary only. Only limited summary data is available for this year.$575$518$56.6$8.88$8.32$0.56
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2022 filings • 501(c)14 • $250M-$1B nonprofits