Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2013 • EIN 38-1456286

Jan 01, 2013 to Dec 31, 2013 • Filed on Feb 25, 2014

Organization Profilewww.unitycu.com
7240 East Twelve Mile RoadWarren, MI 48092

(586) 573-4110

Siviq Scores

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

Liabilities / Assets

21st percentile

0.84x

Higher debt load relative to assets than 21% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

96th percentile

33.60x

Higher debt load relative to revenue than 96% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

67th percentile

11%

Higher net margin than 67% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

26th percentile

$75,701

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 6.5% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

10th percentile

-4.4%

Faster asset growth than 10% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets21st percentile

Assets

Down

$46,717,028

Down $2,162,987 (-4.4%) from 2012

Net Assets

Up

$7,366,269

Up $136,960 (+1.9%) from 2012

Liabilities

Down

$39,350,759

Down $2,299,947 (-5.5%) from 2012

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin67th percentile

Revenue

$1,171,098

No earlier filing loaded for comparison.

Expenses

Down

$1,047,209

Down $247,698 (-19%) from 2012

Net Income

$123,889

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth10th percentile

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

$60M$40M$20M$0Assets 2010: $39,096,284Liabilities 2010: $32,354,829Net Assets 2010: $6,741,4552010Assets 2011: $48,750,839Liabilities 2011: $41,669,114Net Assets 2011: $7,081,7252011Assets 2012: $48,880,015Liabilities 2012: $41,650,706Net Assets 2012: $7,229,3092012Assets 2013: $46,717,028Liabilities 2013: $39,350,759Net Assets 2013: $7,366,2692013Assets 2014: $45,211,886Liabilities 2014: $37,847,141Net Assets 2014: $7,364,7452014Assets 2015: $46,128,972Liabilities 2015: $38,692,455Net Assets 2015: $7,436,5172015Assets 2016: $46,929,429Liabilities 2016: $39,327,045Net Assets 2016: $7,602,3842016Assets 2017: $47,112,961Liabilities 2017: $39,378,469Net Assets 2017: $7,734,4922017Assets 2018: $48,153,438Liabilities 2018: $40,103,974Net Assets 2018: $8,049,4642018Assets 2019: $48,770,129Liabilities 2019: $40,339,401Net Assets 2019: $8,430,7282019Assets 2020: $54,388,323Liabilities 2020: $45,757,027Net Assets 2020: $8,631,2962020

Highlighted filing

2013

Assets$46,717,028
Liabilities$39,350,759
Net Assets$7,366,269
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $1,356,8482010Expenses 2011: $1,488,0092011Expenses 2012: $1,294,9072012Revenue 2013: $1,171,098Expenses 2013: $1,047,209Net Income 2013: $123,8892013Revenue 2014: $1,134,835Expenses 2014: $1,046,425Net Income 2014: $88,4102014Revenue 2015: $1,113,467Expenses 2015: $1,038,834Net Income 2015: $74,6332015Revenue 2016: $1,235,001Expenses 2016: $1,069,134Net Income 2016: $165,8672016Revenue 2017: $1,193,056Expenses 2017: $1,060,948Net Income 2017: $132,1082017Revenue 2018: $1,461,437Expenses 2018: $1,146,465Net Income 2018: $314,9722018Revenue 2019: $1,675,752Expenses 2019: $1,294,488Net Income 2019: $381,2642019Revenue 2020: $1,352,829Expenses 2020: $1,152,261Net Income 2020: $200,5682020

Highlighted filing

2013

Revenue$1,171,098
Expenses$1,047,209
Net Income$123,889
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Feb 25, 2014
Return Version
2013v3.1
Gross Receipts
$1,171,098
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$15,801,690$20,713,782▲ $4,912,092
Savings and Temporary Cash Investments$18,200,490$12,516,992▼ $5,683,498
Other Notes and Loans Receivable, Net$12,969,561$11,663,601▼ $1,305,960
Rtn Earn Endowment Incm Other Fnds$7,229,309$7,366,269▲ $136,960
Cash and Non-Interest-Bearing Accounts$337,888$376,565▲ $38,677
Land, Buildings, and Equipment, Net$378,474$251,347▼ $127,127
Prepaid Expenses and Deferred Charges$137,992$140,992▲ $3,000
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$48,880,015$46,717,028▼ $2,162,987
Other Assets Total$1,053,920$1,053,749▼ $171
Liabilities
Other Liabilities$41,599,317$39,329,951▼ $2,269,366
Accounts Payable and Accrued Expenses$51,389$20,808▼ $30,581
Total Liabilities$41,650,706$39,350,759▼ $2,299,947
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,229,309$7,366,269▲ $136,960
Total Liabilities and Net Assets / Fund Balance$48,880,015$46,717,028▼ $2,162,987

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$92,502$459,134$551,636
Other Land Buildings$31,380$470,818$502,198
Land$127,465-$127,465
Leasehold Improvements-$14,231$14,231
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dennis MoriarityTreasurer & CEOFT$75,701$75,701

Board Members and Trustees

NameTitle
Arthue SpaffordChairperson
Steve RedmondViceChairperson
Christy RandazzoDirector
Connie MitchellSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$833,466
Investment Income
$333,874
Other Revenue
$3,758
Change in Net Assets
$123,889
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$647,453
Other Expenses$399,756
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$439,406
Office Expenses---$160,383
Current Officers, Directors, Trustees, and Key Employees---$75,701
Other Employee Benefits---$62,775
Occupancy---$56,056
Payroll Taxes---$46,354
Interest---$40,209
Depreciation Depletion---$37,674
Pension Plan Contributions---$23,217
Fees for Services Accounting---$22,767
Other Expenses---$19,752
Insurance---$17,907
Advertising---$4,562
Fees for Services Legal---$3,245
All Other Expenses---$-96,509
Total Functional Expenses$0$0$0$1,047,209
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$24,732,804
Member Deposit Accounts$14,597,147
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, Line 6: Explanation of Classes of Members or Shareholder

“Section 501c(14) Credit Union is composed of members.”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

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

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Mergers are voted on by entire membership.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

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

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

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

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

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

Filing and Contact Details

Filer

EIN
38-1456286
Phone
5865734110

Signing Officer

Name
Dennis Moriarity
Title
Treasurer & CEO
Signed
2014-02-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dennis Moriarity
Formed
1954
Legal Domicile
Mi
Voting Board Members
5
Independent Board Members
4
Employees
11
Volunteers
5

Preparer

Preparer
Robin Rivers
Phone
8005225820
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Increases

“Transfer from Other Reserves = $34980”

Raw XML Appendix386 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/BOYAmt051389
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt020808
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Provide financial services and products to members.
IRS990/AdvertisingGrp/TotalAmt04562
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherExpensesGrp/TotalAmt0-96509
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Dennis Moriarity
IRS990/BooksInCareOfDetail/PhoneNum05865734110
IRS990/BooksInCareOfDetail/USAddress/AddressLine107240 East Twelve Mile Road
IRS990/BooksInCareOfDetail/USAddress/City0Warren
IRS990/BooksInCareOfDetail/USAddress/State0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCode048092
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
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IRS990/CashNonInterestBearingGrp/BOYAmt0337888
IRS990/CashNonInterestBearingGrp/EOYAmt0376565
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt075701
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
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IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
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IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/CYOtherRevenueAmt03758
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IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
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IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
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IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountInd0false
IRS990/ExcessBusinessHoldingsInd0false
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IRS990/FeesForServicesAccountingGrp/TotalAmt022767
IRS990/FeesForServicesLegalGrp/TotalAmt03245
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt440.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/PersonNm0Arthue Spafford
IRS990/Form990PartVIISectionAGrp/PersonNm1Steve Redmond
IRS990/Form990PartVIISectionAGrp/PersonNm2Connie Mitchell
IRS990/Form990PartVIISectionAGrp/PersonNm3Christy Randazzo
IRS990/Form990PartVIISectionAGrp/PersonNm4Dennis Moriarity
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1ViceChairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer & CEO
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01171098
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt04
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt017907
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt040209
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0333874
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0333874
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt015801690
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt020713782
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt0595
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0944183
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0378474
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0251347
IRS990/LandBldgEquipCostOrOtherBssAmt01195530
IRS990/LegalDomicileStateCd0MI
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Provide financial services and products to members.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-8057
IRS990/NetUnrlzdGainsLossesInvstAmt0-21909
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt056056
IRS990/OfficeExpensesGrp/TotalAmt0160383
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt01053920
IRS990/OtherAssetsTotalGrp/EOYAmt01053749
IRS990/OtherChangesInNetAssetsAmt034980
IRS990/OtherEmployeeBenefitsGrp/TotalAmt062775
IRS990/OtherExpensesGrp/Desc0Transaction Fees
IRS990/OtherExpensesGrp/Desc1NCUA Stabilization Expense
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expenses
IRS990/OtherExpensesGrp/Desc3Loss on Sale of Asset
IRS990/OtherExpensesGrp/TotalAmt074856
IRS990/OtherExpensesGrp/TotalAmt134067
IRS990/OtherExpensesGrp/TotalAmt224787
IRS990/OtherExpensesGrp/TotalAmt319752
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IRS990/OtherRevenueMiscGrp/Desc0Insurance Administration
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IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt03758
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt011663601
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt046354
IRS990/PensionPlanContributionsGrp/TotalAmt023217
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0137992
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0140992
IRS990/PrincipalOfficerNm0Dennis Moriarity
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0Fees & Charges
IRS990/ProgramServiceRevenueGrp/Desc1Interchange Revenue
IRS990/ProgramServiceRevenueGrp/Desc2Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc3Other Program Revenue
IRS990/ProgramServiceRevenueGrp/Desc4VISA Fees
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt161058
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2735896
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt33446
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt46054
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt161058
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2735896
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt33446
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt46054
IRS990/ProgSrvcAccomActy2Grp/Desc0The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2013 was 1,422.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
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IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0613433
IRS990/PYOtherRevenueAmt08231
IRS990/PYProgramServiceRevenueAmt0969258
IRS990/PYRevenuesLessExpensesAmt093447
IRS990/PYSalariesCompEmpBnftPaidAmt0681474
IRS990/PYTotalExpensesAmt01294907
IRS990/PYTotalRevenueAmt01388354
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0123889
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07229309
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07366269
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018200490
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012516992
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt092502
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0459134
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0551636
IRS990ScheduleD/LandGrp/BookValueAmt0127465
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0127465
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt014231
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt014231
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt031380
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0470818
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0502198
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt014597147
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt124732804
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposit Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Member Share Accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0251347
IRS990ScheduleD/TotalBookValueSecuritiesAmt020713782
IRS990ScheduleD/TotalLiabilityAmt039329951
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Mergers are voted on by entire membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Transfer from Other Reserves = $34980
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other Changes In Net Assets Or Fund Balances - Other Increases
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt048880015
IRS990/TotalAssetsEOYAmt046717028
IRS990/TotalAssetsGrp/BOYAmt048880015
IRS990/TotalAssetsGrp/EOYAmt046717028
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01047209
IRS990/TotalGrossUBIAmt03758
IRS990/TotalLiabilitiesBOYAmt041650706
IRS990/TotalLiabilitiesEOYAmt039350759
IRS990/TotalLiabilitiesGrp/BOYAmt041650706
IRS990/TotalLiabilitiesGrp/EOYAmt039350759
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07229309
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07366269
IRS990/TotalProgramServiceRevenueAmt0833466
IRS990/TotalReportableCompFromOrgAmt075701
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01167340
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01171098
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03758
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt048880015
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt046717028
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine107240 East Twelve Mile Road
IRS990/USAddress/City0Warren
IRS990/USAddress/State0MI
IRS990/USAddress/ZIPCode048092
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0www.unitycu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Dennis Moriarity
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer & CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-02-25
ReturnHeader/Filer/BusinessName/BusinessNameLine10Unity Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0UNIT
ReturnHeader/Filer/EIN0381456286
ReturnHeader/Filer/PhoneNum05865734110
ReturnHeader/Filer/USAddress/AddressLine107240 East Twelve Mile Road
ReturnHeader/Filer/USAddress/City0Warren
ReturnHeader/Filer/USAddress/State0MI
ReturnHeader/Filer/USAddress/ZIPCode048092
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine103615 NEWBURG ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0LOUISVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode040218
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Robin Rivers
ReturnHeader/ReturnTs02014-02-25T18:19:44-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$46,717,028
Liabilities
$39,350,759
Net assets
$7,366,269
Revenue
$1,171,098
Expenses
$1,047,209
Net income
$123,889
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$54.4$45.8$8.63$1.35$1.15$0.20
2019Detailed filing. Detailed filing data is available for this year.$48.8$40.3$8.43$1.68$1.29$0.38
2018Detailed filing. Detailed filing data is available for this year.$48.2$40.1$8.05$1.46$1.15$0.31
2017Detailed filing. Detailed filing data is available for this year.$47.1$39.4$7.73$1.19$1.06$0.13
2016Detailed filing. Detailed filing data is available for this year.$46.9$39.3$7.60$1.24$1.07$0.17
2015Detailed filing. Detailed filing data is available for this year.$46.1$38.7$7.44$1.11$1.04$0.07
2014Detailed filing. Detailed filing data is available for this year.$45.2$37.8$7.36$1.13$1.05$0.09
2013Detailed filing. Detailed filing data is available for this year.$46.7$39.4$7.37$1.17$1.05$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.9$41.7$7.23$1.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.8$41.7$7.08$1.49
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.1$32.4$6.74$1.36