Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2013 • EIN 38-1502320

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 20, 2014

Organization Profilewww.safeharborcu.org
1200 East Tinkham Ave PO Box 980Ludington, MI 49431

(231) 843-2323

Siviq Scores

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

Liabilities / Assets

85th percentile

0.92x

Higher debt load relative to assets than 85% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

71st percentile

22.94x

Higher debt load relative to revenue than 71% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

69th percentile

11%

Higher net margin than 69% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

17th percentile

$67,250

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 4.0% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

61st percentile

3.0%

Faster asset growth than 61% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

31st percentile

-2.7%

Faster revenue growth than 31% of similar nonprofits.

2013 filings • $25M-$50M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$41,664,354

Up $1,201,043 (+3.0%) from 2012

Net Assets

Up

$3,521,137

Up $190,281 (+5.7%) from 2012

Liabilities

Up

$38,143,217

Up $1,010,762 (+2.7%) from 2012

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin69th percentile

Revenue

Down

$1,662,746

Down $45,946 (-2.7%) from 2012

Expenses

Down

$1,472,465

Down $185,923 (-11%) from 2012

Net Income

Up

$190,281

Up $139,977 (+278%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth61st percentile

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

$150M$100M$50M$0Assets 2011: $38,728,538Liabilities 2011: $35,447,986Net Assets 2011: $3,280,5522011Assets 2012: $40,463,311Liabilities 2012: $37,132,455Net Assets 2012: $3,330,8562012Assets 2013: $41,664,354Liabilities 2013: $38,143,217Net Assets 2013: $3,521,1372013Assets 2013: $41,664,354Liabilities 2013: $38,143,217Net Assets 2013: $3,521,1372013Assets 2014: $42,976,286Liabilities 2014: $39,134,568Net Assets 2014: $3,841,7182014Assets 2015: $45,612,806Liabilities 2015: $41,495,909Net Assets 2015: $4,116,8972015Assets 2016: $49,054,280Liabilities 2016: $44,329,273Net Assets 2016: $4,725,0072016Assets 2017: $55,500,247Liabilities 2017: $50,036,942Net Assets 2017: $5,463,3052017Assets 2018: $60,570,880Liabilities 2018: $54,153,837Net Assets 2018: $6,417,0432018Assets 2019: $68,656,173Liabilities 2019: $61,197,377Net Assets 2019: $7,458,7962019Assets 2020: $90,114,212Liabilities 2020: $81,381,342Net Assets 2020: $8,732,8702020Assets 2021: $115,789,005Liabilities 2021: $105,551,764Net Assets 2021: $10,237,2412021Assets 2022: $130,837,946Liabilities 2022: $119,650,107Net Assets 2022: $11,187,8392022Assets 2023: $144,959,154Liabilities 2023: $131,917,613Net Assets 2023: $13,041,5412023

Highlighted filing

2013

Assets$41,664,354
Liabilities$38,143,217
Net Assets$3,521,137
Open 2013 Filing

Operations Trend

Revenue Growth31st percentile

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

$10M$5.0M$0Expenses 2011: $1,635,1512011Revenue 2012: $1,708,692Expenses 2012: $1,658,388Net Income 2012: $50,3042012Revenue 2013: $1,662,746Expenses 2013: $1,472,465Net Income 2013: $190,2812013Revenue 2013: $1,662,746Expenses 2013: $1,472,465Net Income 2013: $190,2812013Revenue 2014: $1,716,781Expenses 2014: $1,396,200Net Income 2014: $320,5812014Revenue 2015: $1,761,962Expenses 2015: $1,486,783Net Income 2015: $275,1792015Revenue 2016: $2,040,942Expenses 2016: $1,432,832Net Income 2016: $608,1102016Revenue 2017: $2,655,993Expenses 2017: $1,867,067Net Income 2017: $788,9262017Revenue 2018: $3,463,967Expenses 2018: $2,499,611Net Income 2018: $964,3562018Revenue 2019: $4,169,000Expenses 2019: $3,194,519Net Income 2019: $974,4812019Revenue 2020: $4,822,067Expenses 2020: $3,585,695Net Income 2020: $1,236,3722020Revenue 2021: $5,498,862Expenses 2021: $3,880,835Net Income 2021: $1,618,0272021Revenue 2022: $6,315,016Expenses 2022: $4,749,542Net Income 2022: $1,565,4742022Revenue 2023: $8,484,424Expenses 2023: $6,772,288Net Income 2023: $1,712,1362023

Highlighted filing

2013

Revenue$1,662,746
Expenses$1,472,465
Net Income$190,281
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 20, 2014
Return Version
2013v3.1
Gross Receipts
$1,665,705
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$21,323,597$21,997,473▲ $673,876
Investments Other Securities$13,989,140$12,780,632▼ $1,208,508
Savings and Temporary Cash Investments$2,878,490$4,461,848▲ $1,583,358
Rtn Earn Endowment Incm Other Fnds$3,330,856$3,521,137▲ $190,281
Land, Buildings, and Equipment, Net$1,364,724$1,302,413▼ $62,311
Cash and Non-Interest-Bearing Accounts$285,430$558,928▲ $273,498
Prepaid Expenses and Deferred Charges$30,407$18,411▼ $11,996
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$40,463,311$41,664,354▲ $1,201,043
Other Assets Total$591,523$544,649▼ $46,874
Liabilities
Other Liabilities$36,958,076$37,863,636▲ $905,560
Accounts Payable and Accrued Expenses$174,379$279,581▲ $105,202
Total Liabilities$37,132,455$38,143,217▲ $1,010,762
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,330,856$3,521,137▲ $190,281
Total Liabilities and Net Assets / Fund Balance$40,463,311$41,664,354▲ $1,201,043

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,094,469$304,256$1,398,725
Other Land Buildings$95,147$237,596$332,743
Equipment$75,652$82,873$158,525
Land$28,556-$28,556
Leasehold Improvements$8,589$4,161$12,750
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Jean MazurPresident/CEOFT$67,250$67,250

Board Members and Trustees

NameTitle
Kevin RichardsonChairperson
Rick ChapmanVice Chair
David KasleyDirector
Kelli SmithDirector
Marcia HansenDirector
Tangee PettisSecretary
Ron LambTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,429,611
Investment Income
$212,418
Other Revenue
$20,717
Change in Net Assets
$190,281
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$834,273
Salaries, Compensation, and Employee Benefits$638,192
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$363,561
Other Employee Benefits---$141,236
Interest---$135,902
All Other Expenses---$106,147
Information Technology---$105,938
Occupancy---$82,588
Depreciation Depletion---$75,668
Current Officers, Directors, Trustees, and Key Employees---$67,250
Advertising---$50,619
Office Expenses---$50,260
Payroll Taxes---$38,072
Pension Plan Contributions---$28,073
Other Expenses---$26,922
Insurance---$15,930
Fees for Services Accounting---$12,894
Travel---$6,106
Fees for Services Legal---$4,318
Total Functional Expenses$0$0$0$1,472,465
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$23,952,138
Member Deposit Accounts$13,911,498
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 and 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

EIN
38-1502320
Phone
2318432323

Signing Officer

Name
Jean Mazur
Title
President/CEO
Signed
2014-04-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jean Mazur
Formed
1952
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
17
Volunteers
7

Preparer

Preparer
Robin Rivers
Phone
8005225820
Supplemental Narrative

Additional Explanations

Amended Explanation

“2013 Form 990-T filed prior to public dissemination of IRS Letter TEGE-04-0314-005 dated 24 March 2014.Changes page 9 of Form 990.”

Raw XML AppendixShowing 400 of 424 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/OtherRevenueMiscGrp/Desc0GAP Insurance Income
IRS990/OtherRevenueMiscGrp/Desc1Income from Insurance
IRS990/OtherRevenueMiscGrp/Desc2Non-Member ATM Fees
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt05750
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt14214
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt05750
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt110563
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt24763
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt06349
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt14763
IRS990/OtherRevenueTotalAmt021076
IRS990/OtherSalariesAndWagesGrp/TotalAmt0363561
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt021323597
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt021997473
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt038072
IRS990/PensionPlanContributionsGrp/TotalAmt028073
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt030407
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt018411
IRS990/PrincipalOfficerNm0Jean Mazur
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0Income on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Interchange Income
IRS990/ProgramServiceRevenueGrp/Desc2Non-Return Item Fees
IRS990/ProgramServiceRevenueGrp/Desc3Other Program Revenue
IRS990/ProgramServiceRevenueGrp/Desc4Return Item Fees
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01028045
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1117855
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2120985
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3107535
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt455191
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01028045
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1117855
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2120985
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3107535
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt455191
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 12/31/2013 was 1,888.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0255972
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01033685
IRS990/PYOtherRevenueAmt017055
IRS990/PYProgramServiceRevenueAmt01435665
IRS990/PYRevenuesLessExpensesAmt050304
IRS990/PYSalariesCompEmpBnftPaidAmt0624703
IRS990/PYTotalExpensesAmt01658388
IRS990/PYTotalRevenueAmt01708692
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0190281
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt0-359
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03330856
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03521137
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02878490
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04461848
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01094469
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0304256
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01398725
IRS990ScheduleD/EquipmentGrp/BookValueAmt075652
IRS990ScheduleD/EquipmentGrp/DepreciationAmt082873
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0158525
IRS990ScheduleD/LandGrp/BookValueAmt028556
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt028556
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt08589
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt04161
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt012750
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt095147
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0237596
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0332743
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt013911498
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt123952138
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposit Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Member Share Accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01302413
IRS990ScheduleD/TotalBookValueSecuritiesAmt012780632
IRS990ScheduleD/TotalLiabilityAmt037863636
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 and 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/ExplanationTxt72013 Form 990-T filed prior to public dissemination of IRS Letter TEGE-04-0314-005 dated 24 March 2014.Changes page 9 of Form 990.
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/FormAndLineReferenceDesc7Amended Explanation
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt040463311
IRS990/TotalAssetsEOYAmt041664354
IRS990/TotalAssetsGrp/BOYAmt040463311
IRS990/TotalAssetsGrp/EOYAmt041664354
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt017
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01472465
IRS990/TotalGrossUBIAmt011112
IRS990/TotalLiabilitiesBOYAmt037132455
IRS990/TotalLiabilitiesEOYAmt038143217
IRS990/TotalLiabilitiesGrp/BOYAmt037132455
IRS990/TotalLiabilitiesGrp/EOYAmt038143217
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03330856
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03521137
IRS990/TotalProgramServiceRevenueAmt01429611
IRS990/TotalReportableCompFromOrgAmt067250
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01651634
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01662746
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt011112
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt040463311
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt041664354
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt06106
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101200 East Tinkham Ave
IRS990/USAddress/City0Ludington
IRS990/USAddress/State0MI
IRS990/USAddress/ZIPCode0494310980
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.safeharborcu.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$41,664,354
Liabilities
$38,143,217
Net assets
$3,521,137
Revenue
$1,662,746
Expenses
$1,472,465
Net income
$190,281
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$145$132$13.0$8.48$6.77$1.71
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$131$120$11.2$6.32$4.75$1.57
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$116$106$10.2$5.50$3.88$1.62
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$90.1$81.4$8.73$4.82$3.59$1.24
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$68.7$61.2$7.46$4.17$3.19$0.97
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$60.6$54.2$6.42$3.46$2.50$0.96
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.5$50.0$5.46$2.66$1.87$0.79
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$49.1$44.3$4.73$2.04$1.43$0.61
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.6$41.5$4.12$1.76$1.49$0.28
2014Detailed filing. Detailed filing data is available for this year.$43.0$39.1$3.84$1.72$1.40$0.32
2013Detailed filing. Detailed filing data is available for this year.$41.7$38.1$3.52$1.66$1.47$0.19
2013Detailed filing. Detailed filing data is available for this year.$41.7$38.1$3.52$1.66$1.47$0.19
2012Summary only. Only limited summary data is available for this year.$40.5$37.1$3.33$1.71$1.66$0.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.7$35.4$3.28$1.64