Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2017 • EIN 38-1480245

Jan 01, 2017 to Dec 31, 2017 • Filed on Oct 23, 2018

Organization ProfileWWW.UNITEDECU.COM
115 Riverside DrBattle Creek, MI 49015

(800) 648-8035

Siviq Scores

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

Liabilities / Assets

64th percentile

0.90x

Higher debt load relative to assets than 64% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

64th percentile

19.62x

Higher debt load relative to revenue than 64% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

31st percentile

7.4%

Higher net margin than 31% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

50th percentile

$209,727

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 3.2% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

6th percentile

-1.1%

Faster asset growth than 6% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Revenue Growth

92nd percentile

17%

Faster revenue growth than 92% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets64th percentile

Assets

Down

$141,418,411

Down $1,587,084 (-1.1%) from 2016

Net Assets

Up

$13,732,465

Up $358,962 (+2.7%) from 2016

Liabilities

Down

$127,685,946

Down $1,946,046 (-1.5%) from 2016

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin31st percentile

Revenue

Up

$6,507,194

Up $968,318 (+17%) from 2016

Expenses

Up

$6,023,150

Up $1,082,396 (+22%) from 2016

Net Income

Down

$484,044

Down $114,078 (-19%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth6th percentile

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

$400M$300M$200M$100M$0Assets 2010: $104,333,910Liabilities 2010: $95,312,341Net Assets 2010: $9,021,5692010Assets 2011: $110,174,603Liabilities 2011: $100,259,960Net Assets 2011: $9,914,6432011Assets 2012: $113,537,909Liabilities 2012: $102,832,454Net Assets 2012: $10,705,4552012Assets 2013: $116,360,929Liabilities 2013: $106,464,732Net Assets 2013: $9,896,1972013Assets 2014: $117,226,701Liabilities 2014: $106,060,712Net Assets 2014: $11,165,9892014Assets 2015: $125,129,903Liabilities 2015: $113,563,958Net Assets 2015: $11,565,9452015Assets 2016: $143,005,495Liabilities 2016: $129,631,992Net Assets 2016: $13,373,5032016Assets 2017: $141,418,411Liabilities 2017: $127,685,946Net Assets 2017: $13,732,4652017Assets 2018: $173,046,159Liabilities 2018: $156,568,061Net Assets 2018: $16,478,0982018Assets 2019: $179,407,752Liabilities 2019: $162,482,346Net Assets 2019: $16,925,4062019Assets 2020: $215,814,531Liabilities 2020: $198,313,463Net Assets 2020: $17,501,0682020Assets 2021: $224,804,382Liabilities 2021: $206,588,993Net Assets 2021: $18,215,3892021Assets 2022: $222,746,006Liabilities 2022: $204,744,291Net Assets 2022: $18,001,7152022Assets 2023: $224,315,902Liabilities 2023: $204,073,087Net Assets 2023: $20,242,8152023Assets 2024: $364,563,300Liabilities 2024: $327,812,474Net Assets 2024: $36,750,8262024

Highlighted filing

2017

Assets$141,418,411
Liabilities$127,685,946
Net Assets$13,732,465
Open 2017 Filing

Operations Trend

Revenue Growth92nd percentile

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

$30M$20M$10M$0-$10MExpenses 2010: $4,896,8192010Expenses 2011: $4,779,1752011Expenses 2012: $4,369,7942012Revenue 2013: $4,553,366Expenses 2013: $3,957,622Net Income 2013: $595,7442013Revenue 2014: $4,824,417Expenses 2014: $4,139,232Net Income 2014: $685,1852014Revenue 2015: $4,761,554Expenses 2015: $4,369,479Net Income 2015: $392,0752015Revenue 2016: $5,538,876Expenses 2016: $4,940,754Net Income 2016: $598,1222016Revenue 2017: $6,507,194Expenses 2017: $6,023,150Net Income 2017: $484,0442017Revenue 2018: $10,509,831Expenses 2018: $9,885,542Net Income 2018: $624,2892018Revenue 2019: $10,762,798Expenses 2019: $10,958,538Net Income 2019: -$195,7402019Revenue 2020: $11,872,214Expenses 2020: $11,747,035Net Income 2020: $125,1792020Revenue 2021: $12,892,279Expenses 2021: $11,999,280Net Income 2021: $892,9992021Revenue 2022: $13,169,848Expenses 2022: $12,477,470Net Income 2022: $692,3782022Revenue 2023: $18,467,433Expenses 2023: $15,279,739Net Income 2023: $3,187,6942023Revenue 2024: $24,499,429Expenses 2024: $23,650,396Net Income 2024: $849,0332024

Highlighted filing

2017

Revenue$6,507,194
Expenses$6,023,150
Net Income$484,044
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Oct 23, 2018
Return Version
2017v2.3
Gross Receipts
$10,881,459
Mission and Program Overview

Mission

"blueox credit union is the bridge that gives people hope that tomorrow can be a better day." blueox credit union is made up of honest people whose sole purpose is to take care of the financial needs of our members.

Blueox credit union's mission is to provide quality financial services that will improve and make a difference in the lives of our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$63,356,554$71,316,462▲ $7,959,908
Investments in Publicly Traded Securities$32,750,407$28,227,325▼ $4,523,082
Savings and Temporary Cash Investments$19,150,820$17,045,706▼ $2,105,114
Investments Other Securities$19,094,300$14,386,640▼ $4,707,660
Rtn Earn Endowment Incm Other Fnds$13,373,503$13,732,465▲ $358,962
Land, Buildings, and Equipment, Net$2,672,810$2,886,935▲ $214,125
Cash and Non-Interest-Bearing Accounts$2,134,132$2,524,933▲ $390,801
Intangible Assets$295,524$253,306▼ $42,218
Prepaid Expenses and Deferred Charges$108,170$102,284▼ $5,886
Accounts Receivable$39,340$63,529▲ $24,189
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$143,005,495$141,418,411▼ $1,587,084
Other Assets Total$3,403,438$4,611,291▲ $1,207,853
Liabilities
Other Liabilities$128,121,585$126,620,689▼ $1,500,896
Accounts Payable and Accrued Expenses$1,510,407$1,065,257▼ $445,150
Total Liabilities$129,631,992$127,685,946▼ $1,946,046
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,373,503$13,732,465▲ $358,962
Total Liabilities and Net Assets / Fund Balance$143,005,495$141,418,411▼ $1,587,084

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,038,436$1,331,901$3,370,337
Equipment$357,615$1,753,643$2,111,258
Land$490,884-$490,884
Other Securities$250,040--
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
F GodfreyPresident/CEOFT$143,645$66,082$209,727
S CobbVice President/CFOFT$109,255$35,634$144,889
J JohnsonVice PresidentFT$100,550$28,575$129,125

Board Members and Trustees

NameTitle
J StantonDirector/chairman
A MumfordDirector/vice Chairman
B HodgsonDirector
D HicksDirector
D VoshellDirector
M DutcherDirector
M WallaceDirector
R HarveyDirector
R Kilgore-mcnealDirector
J RattiDirector/secretary
D DittmerDirector/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CuanswersCore Processor6000 28TH STREET SUITE 100, Grand Rapids, MI 49546$496,921
Cu Cooperative SystemsAtm/debit Services9692 HAVEN AVENUE, Rancho Cucamonga, CA 91730$260,978
Schweitzer INCConstruction-remodel9807 BELLEVUE RD, Battle Creek, MI 49014$196,658
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,532,818
Investment Income
$974,376
Other Revenue
$0
Change in Net Assets
$484,044

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,507,194
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$6,507,194
Total Revenue per Form 990
$6,507,194
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,334,960
Salaries, Compensation, and Employee Benefits$2,688,190
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,364,282
Other Employee Benefits---$574,432
Current Officers, Directors, Trustees, and Key Employees---$483,741
Interest---$444,634
Office Expenses---$384,120
Information Technology---$343,119
Advertising---$271,726
Payroll Taxes---$164,075
Depreciation Depletion---$154,029
Fees for Services Other---$148,042
Other Expenses---$125,925
Occupancy---$123,124
Pension Plan Contributions---$101,660
Conferences and Meetings---$79,373
Fees for Services Legal---$51,502
Fees for Services Accounting---$38,769
Insurance---$35,626
Travel---$22,907
Fees for Services Management---$21,395
Payments to Affiliates---$18,397
All Other Expenses---$15,641
Total Functional Expenses$0$0$0$6,023,150

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$6,023,150
Total Expenses per Audited Statements$6,023,150
Total Expenses per Form 990$6,023,150
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
Shares$46,395,110
Money Market$37,686,314
Certificates$20,345,927
Share Drafts$19,246,724
Ira Shares$2,946,614
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
Yes
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 4

“Management and the board of directors revised the credit union's by-laws as a result of changes made to the michigan credit union act.”

Form 990, Part VI, Section A, Line 6

“The credit union has members.”

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

“The credit union membership may participate in the election of officials.”

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

“Upon receipt of the completed form 990, management reviews the document for accuracy and reasonableness. Once this review is completed, the governing body is infomed that the form has been filed with the irs and a copy is available upon request.”

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

“A list of related parties is compiled. Employees who are authorized to transact where a conflict might occur are restricted.”

Form 990, Part VI, Section B, Line 15

“The personnel committee of the board of directors reviews and approves the compensation.”

Form 990, Part VI, Section C, Line 19

“Governing documents and conflict of interest policies are not made available to the public. Financial statements are made available to the public on the ncua's website via the 5300 call report filing.”

Filing and Contact Details

Filer

Filer Name
Blueox Credit Union
EIN
38-1480245
Phone
8006488035
Address
115 RIVERSIDE DR, BATTLE CREEK, MI 49015

Signing Officer

Name
Douglas J Orth
Title
President/CEO
Phone
2699657281
Signed
2018-10-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Fran Godfrey
Formed
1936
Legal Domicile
Mi
Voting Board Members
11
Independent Board Members
11
Employees
58
Volunteers
11

Preparer

Firm
Doeren Mayhew
Address
12060 S W 129TH COURT STE 201, MIAMI, FL 33186-4582
Preparer
Douglas J Orth
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other professional/outside fees 148,042.”

Form 990, Part XII, Line 2C

“With the change in the michigan credit union act, we were able to eliminate the external supervisory committee. The supervisory committee is now comprised of members of blueox credit union's board of directors.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute (internal revenue code section 501(c)(1)(14), from federal income tax.”

Raw XML AppendixShowing 400 of 502 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/BOYAmt01510407
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01065257
IRS990/AccountsReceivableGrp/BOYAmt039340
IRS990/AccountsReceivableGrp/EOYAmt063529
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0BLUEOX CREDIT UNION'S MISSION IS TO PROVIDE QUALITY FINANCIAL SERVICES THAT WILL IMPROVE AND MAKE A DIFFERENCE IN THE LIVES OF OUR MEMBERS.
IRS990/AdvertisingGrp/TotalAmt0271726
IRS990/AllOtherExpensesGrp/TotalAmt015641
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0FRAN GODFREY
IRS990/BooksInCareOfDetail/PhoneNum02699657281
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0115 RIVERSIDE DR
IRS990/BooksInCareOfDetail/USAddress/CityNm0BATTLE CREEK
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049015
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02134132
IRS990/CashNonInterestBearingGrp/EOYAmt02524933
IRS990/ChangeToOrgDocumentsInd01
IRS990/CntrctRcvdGreaterThan100KCnt03
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0483741
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt079373
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0496921
IRS990/ContractorCompensationGrp/CompensationAmt1260978
IRS990/ContractorCompensationGrp/CompensationAmt2196658
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt06000 28TH STREET SUITE 100
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt19692 HAVEN AVENUE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt29807 BELLEVUE RD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0GRAND RAPIDS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1RANCHO CUCAMONGA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2BATTLE CREEK
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd049546
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd191730
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd249014
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CUANSWERS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1CU COOPERATIVE SYSTEMS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2SCHWEITZER INC
IRS990/ContractorCompensationGrp/ServicesDesc0CORE PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc1ATM/DEBIT SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc2CONSTRUCTION-REMODEL
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0974376
IRS990/CYOtherExpensesAmt03334960
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt05532818
IRS990/CYRevenuesLessExpensesAmt0484044
IRS990/CYSalariesCompEmpBnftPaidAmt02688190
IRS990/CYTotalExpensesAmt06023150
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt06507194
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0154029
IRS990/Desc0INCOME FROM CREDIT UNION'S MEMBERSHIP AND FROM INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt058
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt038769
IRS990/FeesForServicesLegalGrp/TotalAmt051502
IRS990/FeesForServicesManagementGrp/TotalAmt021395
IRS990/FeesForServicesOtherGrp/TotalAmt0148042
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1160.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1250.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1350.00
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/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1134641
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1228575
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1335634
IRS990/Form990PartVIISectionAGrp/PersonNm0D HICKS
IRS990/Form990PartVIISectionAGrp/PersonNm1D DITTMER
IRS990/Form990PartVIISectionAGrp/PersonNm2B HODGSON
IRS990/Form990PartVIISectionAGrp/PersonNm3R HARVEY
IRS990/Form990PartVIISectionAGrp/PersonNm4A MUMFORD
IRS990/Form990PartVIISectionAGrp/PersonNm5D VOSHELL
IRS990/Form990PartVIISectionAGrp/PersonNm6J STANTON
IRS990/Form990PartVIISectionAGrp/PersonNm7J RATTI
IRS990/Form990PartVIISectionAGrp/PersonNm8M WALLACE
IRS990/Form990PartVIISectionAGrp/PersonNm9M DUTCHER
IRS990/Form990PartVIISectionAGrp/PersonNm10R KILGORE-MCNEAL
IRS990/Form990PartVIISectionAGrp/PersonNm11F GODFREY
IRS990/Form990PartVIISectionAGrp/PersonNm12J JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm13S COBB
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/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11175086
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12100550
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13109255
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/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR/VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR/CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR/SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE PRESIDENT/CFO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt022237
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt04396502
IRS990/GrossReceiptsAmt010881459
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0343119
IRS990/InsuranceGrp/TotalAmt035626
IRS990/IntangibleAssetsGrp/BOYAmt0295524
IRS990/IntangibleAssetsGrp/EOYAmt0253306
IRS990/InterestGrp/TotalAmt0444634
IRS990/InvestmentIncomeGrp/ExclusionAmt0952139
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0952139
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt019094300
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt014386640
IRS990/InvestmentsPubTradedSecGrp/BOYAmt032750407
IRS990/InvestmentsPubTradedSecGrp/EOYAmt028227325
IRS990/IRPDocumentCnt03145
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03085544
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02672810
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02886935
IRS990/LandBldgEquipCostOrOtherBssAmt05972479
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt04374265
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0BLUEOX CREDIT UNION WAS FOUNDED UPON THE SEVEN COOPERATIVE PRINCIPLES BASED IN THE PHILOSOPHY OF COOPERATION AND THE CENTRAL VALUES OF EQUALITY, EQUITY AND MUTUAL SELF-HELP. BLUEOX CREDIT UNION'S MISSION STATEMENT ILLUSTRATES THE BROTHERHOOD OF MAN THROUGH PEOPLE WORKING TOGETHER TO ACHIEVE A BETTER LIFE FOR THEMSELVES AND THEIR COMMUNITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt013373503
IRS990/NetAssetsOrFundBalancesEOYAmt013732465
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt022237
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt022237
IRS990/NetUnrelatedBusTxblIncmAmt0-248
IRS990/NetUnrlzdGainsLossesInvstAmt0-125082
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0123124
IRS990/OfficeExpensesGrp/TotalAmt0384120
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03403438
IRS990/OtherAssetsTotalGrp/EOYAmt04611291
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0574432
IRS990/OtherExpensesGrp/Desc0ATM/BANK SERVICE CHARGE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2REPAIRS MAINTENANCE
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt0679294
IRS990/OtherExpensesGrp/TotalAmt1245112
IRS990/OtherExpensesGrp/TotalAmt2132225
IRS990/OtherExpensesGrp/TotalAmt3125925
IRS990/OtherLiabilitiesGrp/BOYAmt0128121585
IRS990/OtherLiabilitiesGrp/EOYAmt0126620689
IRS990/OtherSalariesAndWagesGrp/TotalAmt01364282
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt063356554
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt071316462
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt018397
IRS990/PayrollTaxesGrp/TotalAmt0164075
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0101660
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0108170
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0102284
IRS990/PrincipalOfficerNm0FRAN GODFREY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2UNRELATED BUSINESS INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03399965
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12121887
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03399965
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12121887
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt210966
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt010966
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0956240
IRS990/PYOtherExpensesAmt02850208
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt04582636
IRS990/PYRevenuesLessExpensesAmt0598122
IRS990/PYSalariesCompEmpBnftPaidAmt02090546
IRS990/PYTotalExpensesAmt04940754
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05538876
IRS990/ReconcilationRevenueExpnssAmt0484044
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt013373503
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt013732465
IRS990/SavingsAndTempCashInvstGrp/BOYAmt019150820
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017045706
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02038436
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01331901
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03370337
IRS990ScheduleD/EquipmentGrp/BookValueAmt0357615
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01753643
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02111258
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt06023150
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0490884
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0490884
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt019246724
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt146395110
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt237686314
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32946614
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt420345927
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0442100
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt112863000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2536600
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3294900
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt4250040
IRS990ScheduleD/OtherSecuritiesGrp/Desc0FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc1LONG TERM CDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CENTRAL CORPORATE CU PPC
IRS990ScheduleD/OtherSecuritiesGrp/Desc3INVESTMENT IN CUSOS
IRS990ScheduleD/OtherSecuritiesGrp/Desc4CORPORATE NOTE
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt06507194
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, BY STATUTE (INTERNAL REVENUE CODE SECTION 501(C)(1)(14), FROM FEDERAL INCOME TAX.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02886935
IRS990ScheduleD/TotalBookValueSecuritiesAmt014386640
IRS990ScheduleD/TotalExpensesPerForm990Amt06023150
IRS990ScheduleD/TotalLiabilityAmt0126620689
IRS990ScheduleD/TotalRevenuePerForm990Amt06507194
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt06507194
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt06023150
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0143645
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount04250
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt012578
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt022063
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt027191
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0F GODFREY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0209727
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$141,418,411
Liabilities
$127,685,946
Net assets
$13,732,465
Revenue
$6,507,194
Expenses
$6,023,150
Net income
$484,044
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$365$328$36.8$24.5$23.7$0.85
2023Detailed filing. Detailed filing data is available for this year.$224$204$20.2$18.5$15.3$3.19
2022Detailed filing. Detailed filing data is available for this year.$223$205$18.0$13.2$12.5$0.69
2021Detailed filing. Detailed filing data is available for this year.$225$207$18.2$12.9$12.0$0.89
2020Detailed filing. Detailed filing data is available for this year.$216$198$17.5$11.9$11.7$0.13
2019Detailed filing. Detailed filing data is available for this year.$179$162$16.9$10.8$11.0$0.20
2018Detailed filing. Detailed filing data is available for this year.$173$157$16.5$10.5$9.89$0.62
2017Detailed filing. Detailed filing data is available for this year.$141$128$13.7$6.51$6.02$0.48
2016Detailed filing. Detailed filing data is available for this year.$143$130$13.4$5.54$4.94$0.60
2015Summary only. Only limited summary data is available for this year.$125$114$11.6$4.76$4.37$0.39
2014Detailed filing. Detailed filing data is available for this year.$117$106$11.2$4.82$4.14$0.69
2013Detailed filing. Detailed filing data is available for this year.$116$106$9.90$4.55$3.96$0.60
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$114$103$10.7$4.37
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$110$100$9.91$4.78
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$104$95.3$9.02$4.90
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2017 filings • 501(c)14 • $100M-$250M nonprofits