Civic Intelligence

Credit Unions Chartered in the State of Michigan Amalgamated Credit Union

990 • Fiscal year 2011 • EIN 38-1516865

Jan 01, 2011 to Dec 31, 2011 • Filed on Apr 26, 2012

Organization ProfileWWW.AMALCU.ORG

View Organization Page

4686 Fashion Square Blvd48604
Siviq Scores

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

Liabilities / Assets

44th percentile

0.87x

Higher debt load relative to assets than 44% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

18th percentile

-1.0%

Faster asset growth than 18% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets44th percentile

Assets

Down

$40,535,704

Down $428,439 (-1.0%) from 2010

Net Assets

Down

$5,072,601

Down $239,390 (-4.5%) from 2010

Liabilities

Down

$35,463,103

Down $189,049 (-0.5%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$2,269,923

Down $592,306 (-21%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth18th percentile

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

$60M$40M$20M$0Assets 2010: $40,964,143Liabilities 2010: $35,652,152Net Assets 2010: $5,311,9912010Assets 2011: $40,535,704Liabilities 2011: $35,463,103Net Assets 2011: $5,072,6012011Assets 2012: $37,974,386Liabilities 2012: $34,122,482Net Assets 2012: $3,851,9042012Assets 2013: $0Liabilities 2013: $0Net Assets 2013: $02013

Highlighted filing

2011

Assets$40,535,704
Liabilities$35,463,103
Net Assets$5,072,601
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0-$1.0M-$2.0MExpenses 2010: $2,862,2292010Expenses 2011: $2,269,9232011Revenue 2012: $1,365,001Expenses 2012: $2,479,768Net Income 2012: -$1,114,7672012Revenue 2013: $1,490,427Expenses 2013: $1,834,660Net Income 2013: -$344,2332013

Highlighted filing

2011

Revenue-
Expenses$2,269,923
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Apr 26, 2012
Return Version
2011v1.2
Gross Receipts
$2,456,151
Mission and Program Overview

Mission

To provide the best possible finanacial services to our members at competitive rates and to maintain the philosophy of members helping members. As a community chartered credit union, we support social and economic programs in the community.

Major Activities

Activity 2
Various loans to members of alleconomic levels including first mortgage loans credit cards auto loans signature loans
Activity 3
share savings accounts alll credi tunions offer share savings accounts which pay dividends monthly many credit unions offer special share ssavings accounts for minors and holidays
Filing and Contact Details

Filer

EIN
38-1516865
Raw XML AppendixShowing 400 of 485 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/AccountantCompileOrReview00
IRS990/AccountsPayableAccruedExpenses/BOY0388901
IRS990/AccountsPayableAccruedExpenses/EOY0453786
IRS990/AccountsReceivable/BOY0474
IRS990/AccountsReceivable/EOY07680
IRS990/ActivitiesConductedPartnership00
IRS990/Activity2/Description0Various loans to members of alleconomic levels including first mortgage loans credit cards auto loans signature loans
IRS990/Activity3/Description0share savings accounts alll credi tunions offer share savings accounts which pay dividends monthly many credit unions offer special share ssavings accounts for minors and holidays
IRS990/ActivityOrMissionDescription0To provide financial services at competitive rates while maintaining the members helping members philosophy and supporting social and economic programs in the area.
IRS990/ActivityOther/Description0checking accounts credit unions offer checking accounts with varying features from free to money market accounts. many accounts have ATM and Debit card and online access
IRS990/AddressPrincipalOfficerUS/AddressLine104686 Fashion Square Blvd
IRS990/AddressPrincipalOfficerUS/City0Saginaw
IRS990/AddressPrincipalOfficerUS/State0MI
IRS990/AddressPrincipalOfficerUS/ZIPCode048604
IRS990/Advertising/Total030585
IRS990/AllOtherExpenses/Total010602
IRS990/AnnualDisclosureCoveredPersons01
IRS990/AuditCommittee00
IRS990/BenefitsPaidToMembersCY00
IRS990/BenefitsPaidToMembersPriorYear00
IRS990/BsnssRltnshpThruFamilyMember00
IRS990/BsnssRltnshpWithOrganization00
IRS990/CapStckTrstPrinCurrentFunds/BOY00
IRS990/CapStckTrstPrinCurrentFunds/EOY00
IRS990/CashNonInterestBearing/BOY01262046
IRS990/CashNonInterestBearing/EOY01027694
IRS990/ChangesToOrganizingDocs00
IRS990/CollectionsOfArt00
IRS990/CompCurrentOfficersDirectors/Total0152455
IRS990/CompensationFromOtherSources00
IRS990/CompensationProcessCEO01
IRS990/CompensationProcessOther01
IRS990/ComplianceWithBackupWitholding01
IRS990/ConferencesMeetings/Total04371
IRS990/ConflictOfInterestPolicy01
IRS990/ConservationEasements00
IRS990/ConsolidatedAuditFinancialStmt00
IRS990/ContributionsGrantsCurrentYear00
IRS990/ContributionsGrantsPriorYear00
IRS990/CreditCounseling00
IRS990/DecisionsSubjectToApproval01
IRS990/DeductibleContributionsOfArt00
IRS990/DeductibleNonCashContributions00
IRS990/DelegationOfManagementDuties00
IRS990/DepreciationDepletion/Total086980
IRS990/DescribedIn501C300
IRS990/Description0To provide financial services at competitive rates while maintaining the members helping philosophy and supporting social and economic programs in the area.
IRS990/DisregardedEntity00
IRS990/DocumentRetentionPolicy01
IRS990/DonorAdvisedFunds00
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers01
IRS990/EmploymentTaxReturnsFiled01
IRS990/FamilyOrBusinessRelationship00
IRS990/FederalGrantAuditRequired00
IRS990/FeesForServicesAccounting/Total020082
IRS990/FeesForServicesLegal/Total027826
IRS990/FinancialStatementSeparate0X
IRS990/ForeignActivities00
IRS990/ForeignFinancialAccount00
IRS990/ForeignOffice00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek010
IRS990/Form990PartVIISectionA/AverageHoursPerWeek15
IRS990/Form990PartVIISectionA/AverageHoursPerWeek25
IRS990/Form990PartVIISectionA/AverageHoursPerWeek35
IRS990/Form990PartVIISectionA/AverageHoursPerWeek45
IRS990/Form990PartVIISectionA/AverageHoursPerWeek55
IRS990/Form990PartVIISectionA/AverageHoursPerWeek660
IRS990/Form990PartVIISectionA/AverageHoursPerWeek760
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/KeyEmployee0X
IRS990/Form990PartVIISectionA/KeyEmployee1X
IRS990/Form990PartVIISectionA/NamePerson0Larry Campbell
IRS990/Form990PartVIISectionA/NamePerson1Donna Wiltse
IRS990/Form990PartVIISectionA/NamePerson2Steve Schlicht
IRS990/Form990PartVIISectionA/NamePerson3C Diana Webb
IRS990/Form990PartVIISectionA/NamePerson4Matthew Kleekamp
IRS990/Form990PartVIISectionA/NamePerson5Phillip Raymond
IRS990/Form990PartVIISectionA/NamePerson6Karen L Saxton
IRS990/Form990PartVIISectionA/NamePerson7Carol Pijnappels
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation628152
IRS990/Form990PartVIISectionA/OtherCompensation729013
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization686500
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization765945
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/Title0Board Chairman
IRS990/Form990PartVIISectionA/Title1Board Secretary
IRS990/Form990PartVIISectionA/Title2Board Vice-Chairman
IRS990/Form990PartVIISectionA/Title3Treasurer
IRS990/Form990PartVIISectionA/Title4Director
IRS990/Form990PartVIISectionA/Title5Director
IRS990/Form990PartVIISectionA/Title6President/CEO
IRS990/Form990PartVIISectionA/Title7Vice President Accounting
IRS990/Form990ProvidedToGoverningBody01
IRS990/Form990-TFiled01
IRS990/FormersListed00
IRS990/FSAudited01
IRS990/FundraisingActivities00
IRS990/GainOrLoss/Other0-58950
IRS990/GainOrLoss/Securities00
IRS990/Gaming00
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsAndSimilarAmntsPriorYear00
IRS990/GrantsToIndividuals00
IRS990/GrantsToOrganizations00
IRS990/GrantToRelatedPerson00
IRS990/GrossAmountSalesAssets/Other0410852
IRS990/GrossAmountSalesAssets/Securities00
IRS990/GrossReceipts02456151
IRS990/GroupReturnForAffiliates00
IRS990/Hospital00
IRS990/IncomeFromInvestBondProceeds/ExclusionAmount00
IRS990/IncomeFromInvestBondProceeds/RelatedOrExemptFunctionIncome00
IRS990/IncomeFromInvestBondProceeds/TotalRevenueColumn00
IRS990/IncomeFromInvestBondProceeds/UnrelatedBusinessRevenue00
IRS990/IndependentAuditFinancialStmt01
IRS990/IndoorTanningServices00
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/InformationTechnology/Total0139663
IRS990/Insurance/Total076441
IRS990/Interest/Total0182815
IRS990/InvestmentIncomeCurrentYear0307710
IRS990/InvestmentIncome/ExclusionAmount00
IRS990/InvestmentIncomePriorYear0395693
IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome0366660
IRS990/InvestmentIncome/TotalRevenueColumn0366660
IRS990/InvestmentIncome/UnrelatedBusinessRevenue00
IRS990/InvestmentInJointVenture00
IRS990/InvestmentsOtherSecurities/BOY017215210
IRS990/InvestmentsOtherSecurities/EOY017595884
IRS990/LandBldgEquipmentAccumDeprec0666061
IRS990/LandBuildingsEquipmentBasis01831137
IRS990/LandBuildingsEquipmentBasisNet/BOY01155081
IRS990/LandBuildingsEquipmentBasisNet/EOY01165076
IRS990/LessCostOthBasisSalesExpenses/Other0469802
IRS990/LessCostOthBasisSalesExpenses/Securities00
IRS990/LoanToOfficerOrDQP01
IRS990/LocalChapters01
IRS990/MaterialDiversionOrMisuse00
IRS990/MembersOrStockholders01
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees01
IRS990/MinutesOfGoverningBody01
IRS990/MissionDescription0To provide financial services at competitive rates while maintaining the members helping philosophy and supporting social and economic programs in the area.
IRS990/MoreThan5000KToIndividuals00
IRS990/MoreThan5000KToOrganizations00
IRS990/NameOfPrincipalOfficerPerson0Karen L Saxton
IRS990/NbrIndependentVotingMembers07
IRS990/NbrVotingGoverningBodyMembers07
IRS990/NbrVotingMembersGoverningBody07
IRS990/NetAssetsOrFundBalancesBOY05311991
IRS990/NetAssetsOrFundBalancesEOY05072601
IRS990/NetGainOrLossInvestments/ExclusionAmount00
IRS990/NetGainOrLossInvestments/RelatedOrExemptFunctionIncome0-58950
IRS990/NetGainOrLossInvestments/TotalRevenueColumn0-58950
IRS990/NetGainOrLossInvestments/UnrelatedBusinessRevenue00
IRS990/NetUnrelatedBusinessTxblIncome036524
IRS990/NonDeductibleContributions00
IRS990/NumberFormsTransmittedWith109601
IRS990/NumberIndependentVotingMembers07
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfContractorsGT100K00
IRS990/NumberOfEmployees020
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total080301
IRS990/OfficeExpenses/Total0465904
IRS990/OfficerEntityWithBsnssRltnshp00
IRS990/OfficerMailingAddress00
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY0998476
IRS990/OtherAssetsTotal/EOY0782863
IRS990/OtherEmployeeBenefits/Total0167578
IRS990/OtherExpensePriorYear01859093
IRS990/OtherExpensesCurrentYear01336033
IRS990/OtherExpenses/Description0State Examination Fee
IRS990/OtherExpenses/Description1Provision For Loan Loss
IRS990/OtherExpenses/Description2NCUSIF Temp Corp Stabalazation Expense
IRS990/OtherExpenses/Description3Write Down on Foreclosed Porperties
IRS990/OtherExpenses/Total012063
IRS990/OtherExpenses/Total124198
IRS990/OtherExpenses/Total289883
IRS990/OtherExpenses/Total384319
IRS990/OtherLiabilities/BOY035263251
IRS990/OtherLiabilities/EOY035009317
IRS990/OtherNotesLoansReceivableNet/BOY020128688
IRS990/OtherNotesLoansReceivableNet/EOY018117554
IRS990/OtherRevenueCurrentYear00
IRS990/OtherRevenuePriorYear00
IRS990/OtherSalariesAndWages/Total0487424
IRS990/PaidInCapSrplsLandBldgEqpFund/BOY00
IRS990/PaidInCapSrplsLandBldgEqpFund/EOY00
IRS990/PartialLiquidation00
IRS990/PayrollTaxes/Total070562
IRS990/PensionPlanContributions/Total055871
IRS990/PoliciesReferenceChapters01
IRS990/PoliticalActivities00
IRS990/PrepaidExpensesDeferredCharges/BOY088971
IRS990/PrepaidExpensesDeferredCharges/EOY0234169
IRS990/ProfessionalFundraising00
IRS990/ProgramServiceRevenue/BusinessCode0522130
IRS990/ProgramServiceRevenue/BusinessCode1524298
IRS990/ProgramServiceRevenue/BusinessCode2524292
IRS990/ProgramServiceRevenueCY01678639
IRS990/ProgramServiceRevenue/Description0Loan Interest Income
IRS990/ProgramServiceRevenue/Description1Fee Income
IRS990/ProgramServiceRevenue/Description2Income from sales of Insurance
IRS990/ProgramServiceRevenue/ExclusionAmount00
IRS990/ProgramServiceRevenue/ExclusionAmount10
IRS990/ProgramServiceRevenue/ExclusionAmount20
IRS990/ProgramServiceRevenuePriorYear01785302
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome01192239
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome1449876
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome20
IRS990/ProgramServiceRevenue/TotalRevenueColumn01192239
IRS990/ProgramServiceRevenue/TotalRevenueColumn1460073
IRS990/ProgramServiceRevenue/TotalRevenueColumn226327
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue00
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue110197
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue226327
IRS990/ProhibitedTaxShelterTrans00
IRS990/ReconcilationOtherChanges044184
IRS990/ReconcilationRevenueExpenses0-283574
IRS990/RegularMonitoringEnforcement01
IRS990/RelatedEntity00
IRS990/RelatedOrgControlledEntity00
IRS990/RentalIncomeOrLoss/Personal00
IRS990/RentalIncomeOrLoss/Real00
IRS990/ReportFin48Footnote00
IRS990/ReportInvestOthSecurities01
IRS990/ReportLandBldgEquip01
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities01
IRS990/ReportProgRelInvest00
IRS990/RetainedEarningsEndowmentEtc/BOY05311991
IRS990/RetainedEarningsEndowmentEtc/EOY05072601
IRS990/RevenuesLessExpensesCY0-283574
IRS990/RevenuesLessExpensesPriorYear0-681234
IRS990/RoyaltiesRevenue/ExclusionAmount00
IRS990/RoyaltiesRevenue/RelatedOrExemptFunctionIncome00
IRS990/RoyaltiesRevenue/TotalRevenueColumn00
IRS990/RoyaltiesRevenue/UnrelatedBusinessRevenue00
IRS990/SalariesEtcCurrentYear0933890
IRS990/SalariesEtcPriorYear01003136
IRS990/SavingsAndTempCashInvestments/BOY0115197
IRS990/SavingsAndTempCashInvestments/EOY01604784
IRS990/ScheduleBRequired00
IRS990ScheduleD/Buildings/BookValue0795375
IRS990ScheduleD/Buildings/Depreciation0385440
IRS990ScheduleD/Buildings/InvestmentCostOrOtherBasis00
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis01180815
IRS990ScheduleD/DonatedServicesAndFacilities00
IRS990ScheduleD/DonatedServicesUseOfFacilities00
IRS990ScheduleD/DonatedSrvcAndUseOfFacilities00
IRS990ScheduleD/Equipment/BookValue0189181
IRS990ScheduleD/Equipment/Depreciation0280621
IRS990ScheduleD/Equipment/InvestmentCostOrOtherBasis00
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis0469802
IRS990ScheduleD/ExcessOrDeficitForYear0-283574
IRS990ScheduleD/ExcessOrDeficitPerFS0-283574
IRS990ScheduleD/ExpensesNotRptdF99000
IRS990ScheduleD/ExpensesNotRptdOnFinStmt00
IRS990ScheduleD/ExpensesSubtotal02269923
IRS990ScheduleD/InvestmentExpenses00
IRS990ScheduleD/InvestmentExpensesNotIncluded00
IRS990ScheduleD/InvestmentExpensesNotIncluded200
IRS990ScheduleD/Land/BookValue0180520
IRS990ScheduleD/Land/InvestmentCostOrOtherBasis00
IRS990ScheduleD/Land/OtherCostOrOtherBasis0180520
IRS990ScheduleD/LeaseholdImprovements/BookValue00
IRS990ScheduleD/LeaseholdImprovements/Depreciation00
IRS990ScheduleD/LeaseholdImprovements/InvestmentCostOrOtherBasis00
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis00
IRS990ScheduleD/LossesReported00
IRS990ScheduleD/NetUnrealizedGainsInvestments00
IRS990ScheduleD/NetUnrealizedGLOnInvestments00
IRS990ScheduleD/OtherAmount00
IRS990ScheduleD/OtherExpensesIncluded00
IRS990ScheduleD/OtherExpensesNotIncluded00
IRS990ScheduleD/OtherLandBuildings/BookValue00
IRS990ScheduleD/OtherLandBuildings/Depreciation00
IRS990ScheduleD/OtherLandBuildings/InvestmentCostOrOtherBasis00
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis00
IRS990ScheduleD/OtherLiabilities/Amount035009317
IRS990ScheduleD/OtherLiabilities/Description0Member Shares
IRS990ScheduleD/OtherRevenues00
IRS990ScheduleD/OtherRevenuesNotIncluded00
IRS990ScheduleD/OtherSecurities/BookValue017595884
IRS990ScheduleD/OtherSecurities/Description0Certificates of Deposit
IRS990ScheduleD/OtherSecurities/MethodOfValuation0C
IRS990ScheduleD/PriorPeriodAdjustments00
IRS990ScheduleD/PriorYearAdjustments00
IRS990ScheduleD/RecoveriesOfPriorYearGrants00
IRS990ScheduleD/RevenueNotRptdF99000
IRS990ScheduleD/RevenueNotRptdOnFinStmt00
IRS990ScheduleD/RevenueSubtotal01986349
IRS990ScheduleD/TotalAdjustments00
IRS990ScheduleD/TotalExpenses02269923
IRS990ScheduleD/TotalExpensesPerForm99002269923
IRS990ScheduleD/TotalOfAmounts035009317
IRS990ScheduleD/TotalOfBookValueLandBuildings01165076
IRS990ScheduleD/TotalOfBookValueSecurities017595884
IRS990ScheduleD/TotalRevenue01986349
IRS990ScheduleD/TotalRevenuePerForm99001986349
IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt02269923
IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt01986349
IRS990/ScheduleJRequired00
IRS990ScheduleL/LoanTable/ApprovedByBoard01
IRS990ScheduleL/LoanTable/ApprovedByBoard11
IRS990ScheduleL/LoanTable/ApprovedByBoard21
IRS990ScheduleL/LoanTable/ApprovedByBoard31
IRS990ScheduleL/LoanTable/ApprovedByBoard41
IRS990ScheduleL/LoanTable/BalanceDue0128
IRS990ScheduleL/LoanTable/BalanceDue111119
IRS990ScheduleL/LoanTable/BalanceDue2624
IRS990ScheduleL/LoanTable/BalanceDue3630
IRS990ScheduleL/LoanTable/BalanceDue4157
IRS990ScheduleL/LoanTable/Default00
IRS990ScheduleL/LoanTable/Default10
IRS990ScheduleL/LoanTable/Default20
IRS990ScheduleL/LoanTable/Default30
IRS990ScheduleL/LoanTable/Default40
IRS990ScheduleL/LoanTable/LoanFromOrganization0X
IRS990ScheduleL/LoanTable/LoanFromOrganization1X
IRS990ScheduleL/LoanTable/LoanFromOrganization2X
IRS990ScheduleL/LoanTable/LoanFromOrganization3X
IRS990ScheduleL/LoanTable/LoanFromOrganization4X
IRS990ScheduleL/LoanTable/NamePerson0Larry Campbell
IRS990ScheduleL/LoanTable/NamePerson1Theresa Cardon-Weiss
IRS990ScheduleL/LoanTable/NamePerson2Theresa Cardon-Weiss
IRS990ScheduleL/LoanTable/NamePerson3Donna Wiltse
IRS990ScheduleL/LoanTable/NamePerson4Carol Pijnappels
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount015000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount115000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount210000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount315000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount47500
IRS990ScheduleL/LoanTable/PurposeOfLoan0mastercard
IRS990ScheduleL/LoanTable/PurposeOfLoan1Auto
IRS990ScheduleL/LoanTable/PurposeOfLoan2mastercard
IRS990ScheduleL/LoanTable/PurposeOfLoan3mastercard
IRS990ScheduleL/LoanTable/PurposeOfLoan4Mastercard
IRS990ScheduleL/LoanTable/WrittenAgreement01
IRS990ScheduleL/LoanTable/WrittenAgreement11
IRS990ScheduleL/LoanTable/WrittenAgreement21
IRS990ScheduleL/LoanTable/WrittenAgreement31
IRS990ScheduleL/LoanTable/WrittenAgreement41
IRS990ScheduleL/TotalBalanceDue012658
IRS990ScheduleO/GeneralExplanation/Explanation0Members as accountholders
IRS990ScheduleO/GeneralExplanation/Explanation1Annually the membership votes for the board of directors
IRS990ScheduleO/GeneralExplanation/Explanation2Annually the membrs votefor the directors whose term has expired
IRS990ScheduleO/GeneralExplanation/Explanation3A copy was distributed to all board members
IRS990ScheduleO/GeneralExplanation/Explanation4As a parrt of the annual business meeting and election of officers all directors are required to disclose potential conflicts of interest. On an annual basis or as events change key employees are required to disclose any third party relatated accounts to the credit union.
IRS990ScheduleO/GeneralExplanation/Explanation5CEo Salary is based on a dalary survey all others based on a national survey
IRS990ScheduleO/GeneralExplanation/Explanation6Upon request at the main office, 4686 Fashion Square Blvd, Saginaw MI 48604
IRS990ScheduleO/GeneralExplanation/Explanation7Adjustment to other comprehensive income for Defined Pension Plan
IRS990ScheduleO/GeneralExplanation/Identifier0F990_P06_S0A_L06
IRS990ScheduleO/GeneralExplanation/Identifier1F990_P06_S0A_L07a
IRS990ScheduleO/GeneralExplanation/Identifier2F990_P06_S0A_L07b
IRS990ScheduleO/GeneralExplanation/Identifier3F990_P06_S0B_L11b
IRS990ScheduleO/GeneralExplanation/Identifier4F990_P06_S0B_L12c
IRS990ScheduleO/GeneralExplanation/Identifier5F990_P06_S0B_L15
IRS990ScheduleO/GeneralExplanation/Identifier6F990_P06_S0C_L19
IRS990ScheduleO/GeneralExplanation/Identifier7F990_P11_S00_L05
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7Form 990, Part XI, Line 5
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$40,535,704
Liabilities
$35,463,103
Net assets
$5,072,601
Revenue
-
Expenses
$2,269,923
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.49$1.83$0.34
2012Summary only. Only limited summary data is available for this year.$38.0$34.1$3.85$1.37$2.48$1.11
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.5$35.5$5.07$2.27
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.0$35.7$5.31$2.86