Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2014 • EIN 38-1456286

Jan 01, 2014 to Dec 31, 2014 • Filed on Mar 23, 2015

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

19th percentile

0.84x

Higher debt load relative to assets than 19% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

95th percentile

33.35x

Higher debt load relative to revenue than 95% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

52nd percentile

7.8%

Higher net margin than 52% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

19th percentile

$72,551

Higher top officer pay than 19% of similar nonprofits.

Top officer pay equals 6.4% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

11th percentile

-3.2%

Faster asset growth than 11% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

32nd percentile

-3.1%

Faster revenue growth than 32% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets19th percentile

Assets

Down

$45,211,886

Down $1,505,142 (-3.2%) from 2013

Net Assets

Down

$7,364,745

Down $1,524 (-0.0%) from 2013

Liabilities

Down

$37,847,141

Down $1,503,618 (-3.8%) from 2013

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin52nd percentile

Revenue

Down

$1,134,835

Down $36,263 (-3.1%) from 2013

Expenses

Down

$1,046,425

Down $784 (-0.1%) from 2013

Net Income

Down

$88,410

Down $35,479 (-29%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth11th 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

2014

Assets$45,211,886
Liabilities$37,847,141
Net Assets$7,364,745
Open 2014 Filing

Operations Trend

Revenue Growth32nd percentile

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

2014

Revenue$1,134,835
Expenses$1,046,425
Net Income$88,410
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Mar 23, 2015
Return Version
2014v5.0
Gross Receipts
$1,134,835
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$20,713,782$21,950,600▲ $1,236,818
Other Notes and Loans Receivable, Net$11,663,601$11,008,663▼ $654,938
Savings and Temporary Cash Investments$12,516,992$10,572,497▼ $1,944,495
Rtn Earn Endowment Incm Other Fnds$7,366,269$7,364,745▼ $1,524
Cash and Non-Interest-Bearing Accounts$376,565$407,504▲ $30,939
Land, Buildings, and Equipment, Net$251,347$307,597▲ $56,250
Prepaid Expenses and Deferred Charges$140,992$138,683▼ $2,309
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$46,717,028$45,211,886▼ $1,505,142
Other Assets Total$1,053,749$826,342▼ $227,407
Liabilities
Other Liabilities$39,329,951$37,844,346▼ $1,485,605
Accounts Payable and Accrued Expenses$20,808$2,795▼ $18,013
Total Liabilities$39,350,759$37,847,141▼ $1,503,618
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,366,269$7,364,745▼ $1,524
Total Liabilities and Net Assets / Fund Balance$46,717,028$45,211,886▼ $1,505,142

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$98,325$482,989$581,314
Buildings$81,807$469,829$551,636
Land$127,465-$127,465
Leasehold Improvements-$14,231$14,231
Compensation and Service Providers
Top Officer Pay19th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dennis MoriarityTreasurer & CEOFT$72,551$72,551

Board Members and Trustees

NameTitle
Arthue SpaffordChairperson
Steve RedmondViceChairperson
Sonia LoshawDirector
Connie MitchellSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$775,077
Investment Income
$348,231
Other Revenue
$11,527
Change in Net Assets
$88,410
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$652,409
Other Expenses$394,016
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$446,030
Office Expenses---$158,479
Current Officers, Directors, Trustees, and Key Employees---$72,551
Other Employee Benefits---$60,137
Payroll Taxes---$46,222
Occupancy---$44,068
Interest---$28,773
Pension Plan Contributions---$27,469
Insurance---$19,504
Depreciation Depletion---$18,134
Fees for Services Accounting---$9,982
Travel---$7,595
Fees for Services Legal---$2,040
Other Expenses---$1,870
Total Functional Expenses$0$0$0$1,046,425
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$22,941,356
Member Deposit Accounts$14,902,990
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

Filer Name
Unity Credit Union
EIN
38-1456286
Phone
5865734110
Address
7240 East Twelve Mile Road, Warren, MI 48092

Signing Officer

Name
Dennis Moriarity
Title
Treasurer & CEO
Signed
2015-03-23
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

Firm
Financial Standards Group Inc
Address
3615 NEWBURG ROAD, LOUISVILLE, KY 40218
Preparer
Robin Rivers
Phone
8005225820
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Equity Acquired in Merger = -$69008”

Raw XML Appendix382 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/BOYAmt020808
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IRS990/AdvertisingGrp/TotalAmt00
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IRS990/AllOtherExpensesGrp/TotalAmt00
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Dennis Moriarity
IRS990/BooksInCareOfDetail/PhoneNum05865734110
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt07240 East Twelve Mile Road
IRS990/BooksInCareOfDetail/USAddress/CityNm0Warren
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048092
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IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
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IRS990/FeesForServicesLegalGrp/TotalAmt02040
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IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
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IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
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IRS990/ForeignOfficeInd0false
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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/PersonNm3Sonia Loshaw
IRS990/Form990PartVIISectionAGrp/PersonNm4Dennis Moriarity
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairperson
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IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer & CEO
IRS990/Form990ProvidedToGvrnBodyInd0false
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IRS990/FSAuditedInd0true
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IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
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IRS990/GrantsToOrganizationsInd0false
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IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt020713782
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IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
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IRS990/LobbyingActivitiesInd0false
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IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
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IRS990/OtherExpensesGrp/Desc0Transaction Fees
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IRS990/OtherExpensesGrp/Desc2Other Operating Expenses
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IRS990/PensionPlanContributionsGrp/TotalAmt027469
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
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IRS990/PoliticalCampaignActyInd0false
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IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
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IRS990/ProgramServiceRevenueGrp/Desc0Fees and Charges
IRS990/ProgramServiceRevenueGrp/Desc1Interchange Revenue
IRS990/ProgramServiceRevenueGrp/Desc2Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc3Other Program Revenue
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2681327
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt312001
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 12/31/2014 was 1,295.
IRS990/ProhibitedTaxShelterTransInd0false
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IRS990/PYSalariesCompEmpBnftPaidAmt0647453
IRS990/PYTotalExpensesAmt01047209
IRS990/PYTotalRevenueAmt01171098
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt088410
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07366269
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07364745
IRS990/SavingsAndTempCashInvstGrp/BOYAmt012516992
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010572497
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt081807
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0469829
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0551636
IRS990ScheduleD/LandGrp/BookValueAmt0127465
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0127465
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt014231
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt014231
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt098325
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0482989
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0581314
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt014902990
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt122941356
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposit Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Member Share Accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0307597
IRS990ScheduleD/TotalBookValueSecuritiesAmt021950600
IRS990ScheduleD/TotalLiabilityAmt037844346
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/ExplanationTxt7Equity Acquired in Merger = -$69008
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 Decreases
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt046717028
IRS990/TotalAssetsEOYAmt045211886
IRS990/TotalAssetsGrp/BOYAmt046717028
IRS990/TotalAssetsGrp/EOYAmt045211886
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
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IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01046425
IRS990/TotalGrossUBIAmt011527
IRS990/TotalLiabilitiesBOYAmt039350759
IRS990/TotalLiabilitiesEOYAmt037847141
IRS990/TotalLiabilitiesGrp/BOYAmt039350759
IRS990/TotalLiabilitiesGrp/EOYAmt037847141
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07366269
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07364745
IRS990/TotalProgramServiceRevenueAmt0775077
IRS990/TotalReportableCompFromOrgAmt072551
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01123308
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01134835
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt011527
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt046717028
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt045211886
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt07595
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt07240 East Twelve Mile Road
IRS990/USAddress/CityNm0Warren
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048092
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0www.unitycu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Dennis Moriarity
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer & CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-03-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Unity Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0UNIT
ReturnHeader/Filer/EIN0381456286
ReturnHeader/Filer/PhoneNum05865734110
ReturnHeader/Filer/USAddress/AddressLine1Txt07240 East Twelve Mile Road
ReturnHeader/Filer/USAddress/CityNm0Warren
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048092
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03615 NEWBURG ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LOUISVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040218
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Robin Rivers
ReturnHeader/ReturnTs02015-03-23T18:15:18-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$45,211,886
Liabilities
$37,847,141
Net assets
$7,364,745
Revenue
$1,134,835
Expenses
$1,046,425
Net income
$88,410
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