Civic Intelligence

Catholic Vantage Financial

EIN 38-1490360 • 501(c)14 • Livonia, MI

Profile

Provide financial services and products to members.

36111 5 Mile RdLivonia, MI 48154

mycvf.org

Siviq Scores

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

Liabilities / Assets

81st percentile

0.92x

Higher debt load relative to assets than 81% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

78th percentile

17.71x

Higher debt load relative to revenue than 78% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

35th percentile

8.5%

Higher net margin than 35% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

61st percentile

$256,032

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 4.2% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

13th percentile

-2.7%

Faster asset growth than 13% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

27th percentile

8.2%

Faster revenue growth than 27% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Assets

Down

$119,070,137

Down $3,321,759 (-2.7%) from 2023

Liabilities

Down

$109,021,548

Down $4,351,894 (-3.8%) from 2023

Net Assets

Up

$10,048,589

Up $1,030,135 (+11%) from 2023

Revenue

Up

$6,157,393

Up $469,168 (+8.2%) from 2023

Expenses

Up

$5,636,887

Up $711,396 (+14%) from 2023

Net Income

Down

$520,506

Down $242,228 (-32%) from 2023

Trend Graphs

Balance Sheet Trend

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

$150M$100M$50M$0Assets 2020: $119,674,967Liabilities 2020: $110,394,978Net Assets 2020: $9,279,9892020Assets 2021: $133,430,747Liabilities 2021: $124,057,485Net Assets 2021: $9,373,2622021Assets 2022: $131,415,701Liabilities 2022: $123,372,496Net Assets 2022: $8,043,2052022Assets 2023: $122,391,896Liabilities 2023: $113,373,442Net Assets 2023: $9,018,4542023Assets 2024: $119,070,137Liabilities 2024: $109,021,548Net Assets 2024: $10,048,5892024

Highlighted filing

2024

Assets$119,070,137
Liabilities$109,021,548
Net Assets$10,048,589

Operations Trend

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

$8.0M$6.0M$4.0M$2.0M$0Revenue 2020: $4,804,314Expenses 2020: $3,944,764Net Income 2020: $859,5502020Revenue 2021: $4,376,998Expenses 2021: $4,079,914Net Income 2021: $297,0842021Revenue 2022: $4,797,257Expenses 2022: $4,084,543Net Income 2022: $712,7142022Revenue 2023: $5,688,225Expenses 2023: $4,925,491Net Income 2023: $762,7342023Revenue 2024: $6,157,393Expenses 2024: $5,636,887Net Income 2024: $520,5062024

Highlighted filing

2024

Revenue$6,157,393
Expenses$5,636,887
Net Income$520,506

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 20, 2025
Return Version
2024v5.0
Gross Receipts
$6,157,393
Mission and Program Overview

Mission

Making life better by simplifying financial services through technology and exceptional service.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$81,291,020$73,970,093▼ $7,320,927
Savings and Temporary Cash Investments$15,831,002$18,384,066▲ $2,553,064
Investments in Publicly Traded Securities$17,683,439$16,208,154▼ $1,475,285
Rtn Earn Endowment Incm Other Fnds$9,018,454$10,048,589▲ $1,030,135
Land, Buildings, and Equipment, Net$3,307,613$4,038,305▲ $730,692
Investments Other Securities$839,066$2,916,515▲ $2,077,449
Cash and Non-Interest-Bearing Accounts$967,853$924,226▼ $43,627
Accounts Receivable$556,061$766,784▲ $210,723
Prepaid Expenses and Deferred Charges$238,630$328,422▲ $89,792
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$122,391,896$119,070,137▼ $3,321,759
Other Assets Total$1,677,212$1,533,572▼ $143,640
Liabilities
Other Liabilities$112,593,367$108,516,341▼ $4,077,026
Accounts Payable and Accrued Expenses$780,075$256,987▼ $523,088
Deferred Revenue-$248,220-
Total Liabilities$113,373,442$109,021,548▼ $4,351,894
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,018,454$10,048,589▲ $1,030,135
Total Liabilities and Net Assets / Fund Balance$122,391,896$119,070,137▼ $3,321,759

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,369,535$1,150,472$2,520,007
Other Land Buildings$1,502,242$467,996$1,970,238
Land$1,166,528-$1,166,528
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Peter BagazinskiCEOFT$201,119$54,913$256,032
Michael ScurtoVice PresidentFT$123,320$30,494$153,814
Emma TellerVice PresidentFT$107,454$26,656$134,110
Robert MarciniakCFOFT$120,607$3,434$124,041
Joann PeurachVice PresidentFT$99,797$22,070$121,867
Eric RothertVice PresidentFT$104,398$2,823$107,221

Board Members and Trustees

Highest Paid Contractors

ContractorServicesLocationCompensation
FisDebit/atm Hosting347 RIVERSIDE AVE, Jacksonville, FL 32202$326,589
Member Driven TechnologiesCore Platform30230 ORCHARD LAKE RD, Farmington Hills, MI 48334$186,575
Blue Care NetworkMedical Insurance20500 CIVIC CENTER DRIVE, Southfield, MI 48076$184,422
Alkami TechnologyOnline Banking5601 GRANITE PKWY STE 120, Plano, TX 75024$173,974
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,000,054
Investment Income
$1,157,339
Other Revenue
$0
Change in Net Assets
$520,506
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,284,704
Salaries, Compensation, and Employee Benefits$2,352,183
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,136,918
Current Officers, Directors, Trustees, and Key Employees---$897,085
Office Expenses---$686,358
Interest---$581,616
Information Technology---$454,030
Advertising---$231,416
Occupancy---$198,820
Depreciation Depletion---$153,624
Other Employee Benefits---$151,799
Payroll Taxes---$148,375
Insurance---$67,487
Other Expenses---$57,344
Travel---$37,595
All Other Expenses---$18,942
Pension Plan Contributions---$18,006
Payments to Affiliates---$12,811
Fees for Services Legal---$9,347
Total Functional Expenses$0$0$0$5,636,887
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$108,300,805
Other Liabilities$215,536
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 B, Line 11B

Form will be uploaded to board portal and board will be notified the form is available.

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

Annual volunteer/employee profile questionnaire

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

Compease and performance pro. The board has a personnel committee to formulate ceo compensation

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

Compease and performance pro. Ceo determines management pay and dept. Supervisors determine their staff pay with guidance from ceo.

Form 990, Part VI, Section C, Line 18

Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial performance call reports are available at www.ncua.gov for all federally insured credit unions.

Form 990, Part VI, Section C, Line 19

No other documents available to the public.

Filing and Contact Details

Filer

Filer Name
Catholic Vantage Financial Credit Union
EIN
38-1490360
Phone
7344320212
Address
36111 5 MILE RD, LIVONIA, MI 48154

Signing Officer

Name
Robert Marciniak
Title
CFO
Signed
2025-03-20
Discuss with paid preparer
Yes

Organization Details

Formed
1953
Legal Domicile
Mi
Voting Board Members
5
Independent Board Members
4
Employees
37
Volunteers
4

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Donald E Lingerfelt
Phone
8005225820
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IRS990/NetAssetsOrFundBalancesEOYAmt010048589
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0509629
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0198820
IRS990/OfficeExpensesGrp/TotalAmt0686358
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01677212
IRS990/OtherAssetsTotalGrp/EOYAmt01533572
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0151799
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROF & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3ALL OTHER
IRS990/OtherExpensesGrp/TotalAmt0519755
IRS990/OtherExpensesGrp/TotalAmt1162397
IRS990/OtherExpensesGrp/TotalAmt293162
IRS990/OtherExpensesGrp/TotalAmt357344
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt0112593367
IRS990/OtherLiabilitiesGrp/EOYAmt0108516341
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt01136918
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt081291020
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt073970093
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt012811
IRS990/PayrollTaxesGrp/TotalAmt0148375
IRS990/PensionPlanContributionsGrp/TotalAmt018006
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0238630
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0328422
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INSURANCE REVENUE
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc4OTHER OPERATING REVENUE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0426184
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt127157
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2354438
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt33952644
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4207378
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0434344
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt151250
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2354438
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt33952644
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4207378
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt08160
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt124093
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 3,265.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0761965
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt02858304
IRS990/PYProgramServiceRevenueAmt04926260
IRS990/PYRevenuesLessExpensesAmt0762734
IRS990/PYSalariesCompEmpBnftPaidAmt02067187
IRS990/PYTotalExpensesAmt04925491
IRS990/PYTotalRevenueAmt05688225
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0520506
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09018454
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010048589
IRS990/SavingsAndTempCashInvstGrp/BOYAmt015831002
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018384066
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01369535
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01150472
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02520007
IRS990ScheduleD/LandGrp/BookValueAmt01166528
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01166528
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01502242
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0467996
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01970238
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0108300805
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1215536
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OTHER LIABILITIES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04038305
IRS990ScheduleD/TotalLiabilityAmt0108516341
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0123320
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1201119
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount04000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount121600
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt03914
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt16185
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt018642
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt123744
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt03938
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt13384
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHAEL SCURTO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1PETER BAGAZINSKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Vice President
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0153814
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1256032
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM WILL BE UPLOADED TO BOARD PORTAL AND BOARD WILL BE NOTIFIED THE FORM IS AVAILABLE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ANNUAL VOLUNTEER/EMPLOYEE PROFILE QUESTIONNAIRE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2COMPEASE AND PERFORMANCE PRO. THE BOARD HAS A PERSONNEL COMMITTEE TO FORMULATE CEO COMPENSATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMPEASE AND PERFORMANCE PRO. CEO DETERMINES MANAGEMENT PAY AND DEPT. SUPERVISORS DETERMINE THEIR STAFF PAY WITH GUIDANCE FROM CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CREDIT UNION BYLAWS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST AT THE CREDIT UNION'S MAIN OFFICE. QUARTERLY FINANCIAL PERFORMANCE CALL REPORTS ARE AVAILABLE AT WWW.NCUA.GOV FOR ALL FEDERALLY INSURED CREDIT UNIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5NO OTHER DOCUMENTS AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleR/AssetExchangeInd0false
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0false
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/IdDisregardedEntitiesGrp/DirectControllingEntityName/BusinessNameLine1Txt0CATHOLIC VANTAGE FINANCIAL
IRS990ScheduleR/IdDisregardedEntitiesGrp/DisregardedEntityName/BusinessNameLine1Txt0CATHOLIC VANTAGE INSURANCE AGENCY LLC
IRS990ScheduleR/IdDisregardedEntitiesGrp/EIN0822291603
IRS990ScheduleR/IdDisregardedEntitiesGrp/EndOfYearAssetsAmt050857
IRS990ScheduleR/IdDisregardedEntitiesGrp/LegalDomicileStateCd0MI
IRS990ScheduleR/IdDisregardedEntitiesGrp/PrimaryActivitiesTxt0INSURANCE
IRS990ScheduleR/IdDisregardedEntitiesGrp/TotalIncomeAmt012121
IRS990ScheduleR/IdDisregardedEntitiesGrp/USAddress/AddressLine1Txt036111 FIVE MILE RD
IRS990ScheduleR/IdDisregardedEntitiesGrp/USAddress/CityNm0LIVONIA
IRS990ScheduleR/IdDisregardedEntitiesGrp/USAddress/StateAbbreviationCd0MI
IRS990ScheduleR/IdDisregardedEntitiesGrp/USAddress/ZIPCd048154
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd0false

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