Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2018 • EIN 38-1480245

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 07, 2019

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

70th percentile

0.90x

Higher debt load relative to assets than 70% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Liabilities / Revenue

31st percentile

14.90x

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

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Net Margin

18th percentile

5.9%

Higher net margin than 18% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Top Officer Pay

70th percentile

$246,843

Higher top officer pay than 70% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Asset Growth

98th percentile

22%

Faster asset growth than 98% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2018

Revenue Growth

99th percentile

62%

Faster revenue growth than 99% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets70th percentile

Assets

Up

$173,046,159

Up $31,627,748 (+22%) from 2017

Net Assets

Up

$16,478,098

Up $2,745,633 (+20%) from 2017

Liabilities

Up

$156,568,061

Up $28,882,115 (+23%) from 2017

Revenue And Expenses
Liabilities / Revenue31st percentileNet Margin18th percentile

Revenue

Up

$10,509,831

Up $4,002,637 (+62%) from 2017

Expenses

Up

$9,885,542

Up $3,862,392 (+64%) from 2017

Net Income

Up

$624,289

Up $140,245 (+29%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth98th 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

2018

Assets$173,046,159
Liabilities$156,568,061
Net Assets$16,478,098
Open 2018 Filing

Operations Trend

Revenue Growth99th 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

2018

Revenue$10,509,831
Expenses$9,885,542
Net Income$624,289
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 7, 2019
Return Version
2018v3.1
Gross Receipts
$15,710,784
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$71,316,462$106,843,234▲ $35,526,772
Investments in Publicly Traded Securities$28,227,325$23,313,910▼ $4,913,415
Rtn Earn Endowment Incm Other Fnds$13,732,465$16,478,098▲ $2,745,633
Investments Other Securities$14,386,640$16,049,007▲ $1,662,367
Savings and Temporary Cash Investments$17,045,706$13,811,750▼ $3,233,956
Land, Buildings, and Equipment, Net$2,886,935$3,753,154▲ $866,219
Cash and Non-Interest-Bearing Accounts$2,524,933$2,575,975▲ $51,042
Intangible Assets$253,306$464,692▲ $211,386
Prepaid Expenses and Deferred Charges$102,284$119,090▲ $16,806
Accounts Receivable$63,529$75,078▲ $11,549
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$141,418,411$173,046,159▲ $31,627,748
Other Assets Total$4,611,291$6,040,269▲ $1,428,978
Liabilities
Other Liabilities$126,620,689$155,043,018▲ $28,422,329
Accounts Payable and Accrued Expenses$1,065,257$1,525,043▲ $459,786
Total Liabilities$127,685,946$156,568,061▲ $28,882,115
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,732,465$16,478,098▲ $2,745,633
Total Liabilities and Net Assets / Fund Balance$141,418,411$173,046,159▲ $31,627,748

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,673,952$1,491,098$4,165,050
Equipment$527,294$2,680,154$3,207,448
Land$511,439-$511,439
Other Land Buildings$40,469$222,838$263,307
Other Securities$391,850--
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
F GodfreyPresident/CEOFT$153,656$93,187$246,843
J JohnsonVice PresidentFT$61,003$104,418$165,421
S CobbVice President/CFOFT$113,937$45,933$159,870

Board Members and Trustees

NameTitle
J StantonDirector/chairman
A MumfordDirector/vice Chairman
T JohnsonAssoc. Director
D HicksDirector
D VoshellDirector
J MassDirector
M DutcherDirector
M WallaceDirector
R HarveyDirector
J KirkpatrickDirector/secretary
J RattiDirector/secretary
D DittmerDirector/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CuanswersCore Processor6000 28TH STREET SUITE 100, Grand Rapids, MI 49546$622,479
Cu Cooperative SystemsAtm/debit Services9692 HAVEN AVENUE, Rancho Cucamonga, CA 91730$267,304
American InteriorsRemodel/construction6828 2 1/2 MILE RD, East Leroy, MI 49051$193,310
FisDebit/credit Processor601 RIVERSIDE AVE, Jacksonville, FL 32202$174,355
Schweitzer INCConstruction-remodel9807 BELLEVUE RD, Battle Creek, MI 49014$167,753
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,855,390
Investment Income
$1,061,460
Other Revenue
$592,981
Change in Net Assets
$624,289

Audited Revenue Reconciliation

Revenue per Audited Statements
$10,509,831
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$10,509,831
Total Revenue per Form 990
$10,509,831
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,614,762
Salaries, Compensation, and Employee Benefits$4,270,780
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,430,748
Other Employee Benefits---$776,103
Current Officers, Directors, Trustees, and Key Employees---$572,134
Interest---$571,051
Office Expenses---$504,266
Information Technology---$415,774
Advertising---$330,643
Payroll Taxes---$259,288
Depreciation Depletion---$246,457
Pension Plan Contributions---$232,507
All Other Expenses---$211,905
Other Expenses---$196,731
Occupancy---$179,851
Fees for Services Other---$173,379
Fees for Services Legal---$145,970
Conferences and Meetings---$143,100
Travel---$57,480
Insurance---$44,208
Fees for Services Accounting---$38,408
Payments to Affiliates---$20,932
Total Functional Expenses$0$0$0$9,885,542

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,885,542
Total Expenses per Audited Statements$9,885,542
Total Expenses per Form 990$9,885,542
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$62,023,616
Money Market$40,432,965
Certificates$26,253,545
Share Drafts$23,736,555
Ira Shares$2,596,337
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“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
2019-11-07
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
90
Volunteers
13

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 173,379.”

Form 990, Part IX, Line 24E

“Other expenses 154,166. Atm/debit fraud 57,739.”

FORM 990, PART XI, LINE 9:

“Equity acquired through business combination 2,295,204.”

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

Raw XML AppendixShowing 400 of 574 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.

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IRS990/Form990PartVIISectionAGrp/PersonNm13J JOHNSON
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IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR/VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR/CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR/SECRETARY
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IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11ASSOC. DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt14VICE PRESIDENT/CFO
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Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$173,046,159
Liabilities
$156,568,061
Net assets
$16,478,098
Revenue
$10,509,831
Expenses
$9,885,542
Net income
$624,289
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. 2018 filings • 501(c)14 • $100M-$250M nonprofits