Civic Intelligence

Up Catholic Credit Union

EIN 38-1489465 • 501(c)14 • Marquette, MI

View Organization Page

Profile

Provide financial services and products to members.

601 S Mcclellan AveMarquette, MI 49855

www.upccu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

53rd percentile

0.90x

Higher debt load relative to assets than 53% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

73rd percentile

16.55x

Higher debt load relative to revenue than 73% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

39th percentile

6.9%

Higher net margin than 39% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

45th percentile

$416,598

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

77th percentile

6.5%

Faster asset growth than 77% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

73rd percentile

18%

Faster revenue growth than 73% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$548,839,668

Up $33,287,672 (+6.5%) from 2023

Liabilities

Up

$494,764,522

Up $27,887,982 (+6.0%) from 2023

Net Assets

Up

$54,075,146

Up $5,399,690 (+11%) from 2023

Operations
Liabilities / Revenue73rd percentileNet Margin39th percentile

Revenue

Up

$29,891,836

Up $4,559,038 (+18%) from 2023

Expenses

Up

$27,837,493

Up $5,205,245 (+23%) from 2023

Net Income

Down

$2,054,343

Down $646,207 (-24%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth77th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600M$400M$200M$0Assets 2010: $120,323,291Liabilities 2010: $102,916,222Net Assets 2010: $17,407,0692010Assets 2011: $126,548,725Liabilities 2011: $107,529,670Net Assets 2011: $19,019,0552011Assets 2012: $137,968,916Liabilities 2012: $118,249,524Net Assets 2012: $19,719,3922012Assets 2013: $138,252,939Liabilities 2013: $118,369,589Net Assets 2013: $19,883,3502013Assets 2014: $145,690,383Liabilities 2014: $124,645,584Net Assets 2014: $21,044,7992014Assets 2015: $155,985,194Liabilities 2015: $133,399,438Net Assets 2015: $22,585,7562015Assets 2016: $163,458,437Liabilities 2016: $139,643,604Net Assets 2016: $23,814,8332016Assets 2017: $164,256,454Liabilities 2017: $138,870,157Net Assets 2017: $25,386,2972017Assets 2018: $176,724,593Liabilities 2018: $149,741,300Net Assets 2018: $26,983,2932018Assets 2019: $234,458,662Liabilities 2019: $201,636,798Net Assets 2019: $32,821,8642019Assets 2020: $456,299,976Liabilities 2020: $397,692,889Net Assets 2020: $58,607,0872020Assets 2021: $491,728,057Liabilities 2021: $434,047,021Net Assets 2021: $57,681,0362021Assets 2022: $485,631,668Liabilities 2022: $441,781,591Net Assets 2022: $43,850,0772022Assets 2023: $515,551,996Liabilities 2023: $466,876,540Net Assets 2023: $48,675,4562023Assets 2024: $548,839,668Liabilities 2024: $494,764,522Net Assets 2024: $54,075,1462024

Highlighted filing

2024

Assets$548,839,668
Liabilities$494,764,522
Net Assets$54,075,146
Open 2024 Filing

Operations Trend

Revenue Growth73rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0Expenses 2010: $4,498,0232010Expenses 2011: $4,407,1042011Expenses 2012: $4,504,5462012Revenue 2013: $5,796,088Expenses 2013: $4,743,875Net Income 2013: $1,052,2132013Revenue 2014: $5,962,984Expenses 2014: $4,839,434Net Income 2014: $1,123,5502014Revenue 2015: $6,422,938Expenses 2015: $4,793,802Net Income 2015: $1,629,1362015Revenue 2016: $7,140,029Expenses 2016: $5,510,151Net Income 2016: $1,629,8782016Revenue 2017: $7,741,477Expenses 2017: $5,956,855Net Income 2017: $1,784,6222017Revenue 2018: $8,594,695Expenses 2018: $6,371,090Net Income 2018: $2,223,6052018Revenue 2019: $11,228,933Expenses 2019: $10,356,916Net Income 2019: $872,0172019Revenue 2020: $15,884,770Expenses 2020: $14,931,153Net Income 2020: $953,6172020Revenue 2021: $19,135,519Expenses 2021: $16,204,713Net Income 2021: $2,930,8062021Revenue 2022: $21,128,039Expenses 2022: $18,149,828Net Income 2022: $2,978,2112022Revenue 2023: $25,332,798Expenses 2023: $22,632,248Net Income 2023: $2,700,5502023Revenue 2024: $29,891,836Expenses 2024: $27,837,493Net Income 2024: $2,054,3432024

Highlighted filing

2024

Revenue$29,891,836
Expenses$27,837,493
Net Income$2,054,343
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$548,839,668
Liabilities
$494,764,522
Net assets
$54,075,146
Revenue
$29,891,836
Expenses
$27,837,493
Net income
$2,054,343
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$549$495$54.1$29.9$27.8$2.05
2023Detailed filing. Detailed filing data is available for this year.$516$467$48.7$25.3$22.6$2.70
2022Detailed filing. Detailed filing data is available for this year.$486$442$43.9$21.1$18.1$2.98
2021Detailed filing. Detailed filing data is available for this year.$492$434$57.7$19.1$16.2$2.93
2020Detailed filing. Detailed filing data is available for this year.$456$398$58.6$15.9$14.9$0.95
2019Detailed filing. Detailed filing data is available for this year.$234$202$32.8$11.2$10.4$0.87
2018Summary only. Only limited summary data is available for this year.$177$150$27.0$8.59$6.37$2.22
2017Detailed filing. Detailed filing data is available for this year.$164$139$25.4$7.74$5.96$1.78
2016Detailed filing. Detailed filing data is available for this year.$163$140$23.8$7.14$5.51$1.63
2015Detailed filing. Detailed filing data is available for this year.$156$133$22.6$6.42$4.79$1.63
2014Detailed filing. Detailed filing data is available for this year.$146$125$21.0$5.96$4.84$1.12
2013Detailed filing. Detailed filing data is available for this year.$138$118$19.9$5.80$4.74$1.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$138$118$19.7$4.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$127$108$19.0$4.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$120$103$17.4$4.50
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 12, 2025
Return Version
2024v5.2
Gross Receipts
$29,891,836
Mission and Program Overview

Mission

Spark opportunities. Light up communities.

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$333,319,220$339,130,407▲ $5,811,187
Investments in Publicly Traded Securities$130,836,301$109,814,508▼ $21,021,793
Savings and Temporary Cash Investments$16,696,553$60,118,371▲ $43,421,818
Rtn Earn Endowment Incm Other Fnds$48,675,456$54,075,146▲ $5,399,690
Land, Buildings, and Equipment, Net$13,928,990$13,787,112▼ $141,878
Cash and Non-Interest-Bearing Accounts$4,006,242$3,804,105▼ $202,137
Investments Other Securities$1,732,700$2,935,628▲ $1,202,928
Intangible Assets$2,979,892$2,417,664▼ $562,228
Prepaid Expenses and Deferred Charges$659,618$665,538▲ $5,920
Accounts Receivable-$165,000-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Inventories for Sale or Use-$0-
Total Assets$515,551,996$548,839,668▲ $33,287,672
Other Assets Total$11,392,480$16,001,335▲ $4,608,855
Liabilities
Other Liabilities$462,715,441$491,255,586▲ $28,540,145
Accounts Payable and Accrued Expenses$4,161,099$3,508,936▼ $652,163
Total Liabilities$466,876,540$494,764,522▲ $27,887,982
Net Assets / Fund Balance
Total Net Assets Fund Balance$48,675,456$54,075,146▲ $5,399,690
Total Liabilities and Net Assets / Fund Balance$515,551,996$548,839,668▲ $33,287,672

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,963,426$2,564,895$11,528,321
Other Land Buildings$3,046,806$1,754,160$4,800,966
Equipment$257,078$1,999,322$2,256,400
Land$1,519,802-$1,519,802
Compensation and Service Providers
Top Officer Pay45th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Thomas BlakeCEOFT$323,881$92,717$416,598
Brenda LippensPresidentFT$247,653$96,278$343,931
David BlackCOOFT$221,494$68,516$290,010
Justin StoreVice PresidentFT$165,276$63,262$228,538
Jennifer StempkiCFOFT$134,298$51,298$185,596
Ann DemingVice PresidentFT$112,091$28,847$140,938
Laurie WillsDirectorFT$122,533$11,965$134,498
Matt NordVice PresidentFT$99,335$20,627$119,962

Board Members and Trustees

NameTitle
Sandra Villa-mogushChairman
Andrew WasilewskiDirector
Brian KulbiedaDirector
Gail AnthonyDirector
Keith LynchDirector
Leonard AngeliDirector
Mark CanaleDirector
Randy VanportflietDirector
Scott JamiesonDirector
Tom VearDirector
William FernsTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jha Casr Processing SolutionsPlastic Card ProcessorPO Box 609, Monnett, MO 65708$1,127,185
Member Driven TechnologiesData Processing30230 ORCHARD LAKE ROAD, Farmington Hills, MI 48334$1,042,763
Small Business Assc Of MiGroup Health Insurance101 S Washington Sq Ste 900, Lansing, MI 48933$982,719
MastercardPlastic Card Network2000 PURCHASE ST, Purchase, NY 10577$799,750
Cross General ContractingGeneral ContractingE8963 M-28W, Munising, MI 49862$221,675
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$27,289,420
Investment Income
$2,602,416
Other Revenue
$0
Change in Net Assets
$2,054,343
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$17,922,345
Salaries, Compensation, and Employee Benefits$9,915,148
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$8,163,010
Other Salaries and Wages---$6,015,614
Office Expenses---$2,634,709
Current Officers, Directors, Trustees, and Key Employees---$1,860,071
Information Technology---$1,630,639
Other Employee Benefits---$991,863
Occupancy---$894,207
Payroll Taxes---$589,348
Travel---$494,336
Depreciation Depletion---$471,040
Pension Plan Contributions---$458,252
Advertising---$428,357
Other Expenses---$351,703
Fees for Services Legal---$74,763
All Other Expenses---$72,083
Insurance---$33,774
Payments to Affiliates---$29,043
Total Functional Expenses$0$0$0$27,837,493
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

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

Other Reported Liabilities

LiabilityAmount
Member Shares$490,472,849
Other Liabilities$782,738
Fhlbi Borrowing$-1
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Section 501(c)(14) credit union is composed of members.”

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

“Members vote on bylaw and charter changes. Members vote and elect board members by ballot vote.”

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

“Mergers where the credit union is to be acquired are voted on by entire membership.”

Form 990, Part VI, Section B, Line 11B

“Management reviews tax returns and forwards us form 8879-te to tax preparer. Board reviews filed tax returns at next scheduled meeting.”

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

“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, Section B, Line 15A

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

Form 990, Part VI, Section B, Line 15B

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

Form 990, Part VI, Section C, Line 19

“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
Embers Credit Union
EIN
38-1489465
Phone
9062287080
Address
601 S MCCLELLAN AVE, MARQUETTE, MI 49855

Signing Officer

Name
Jennifer Stempki
Title
CFO
Signed
2025-08-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tom Blake
Formed
1953
Legal Domicile
Mi
Voting Board Members
11
Independent Board Members
11
Employees
158
Volunteers
14

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Donald E Lingerfelt
Phone
8005225820
Raw XML AppendixShowing 400 of 555 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/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 12/31/2024 WAS 27,907.
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