Civic Intelligence

Credit Unions Chartered in the State of Michigan

EIN 38-1524325 • 501(c)14 • Adrian, MI

View Organization Page

Profile

To promote the philosophy of people helping people. Striving to be the primary provider of financial services to our members and their families by providing the opportunity to achieve financial security and well-being.

3030 S Adrian HwyAdrian, MI 49221

www.tlccu.org

Siviq Scores

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

Liabilities / Assets

32nd percentile

0.89x

Higher debt load relative to assets than 32% of similar nonprofits.

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

Liabilities / Revenue

72nd percentile

17.17x

Higher debt load relative to revenue than 72% of similar nonprofits.

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

Net Margin

92nd percentile

24%

Higher net margin than 92% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

92nd percentile

9.6%

Faster asset growth than 92% of similar nonprofits.

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

Revenue Growth

61st percentile

18%

Faster revenue growth than 61% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Up

$784,182,164

Up $68,418,746 (+9.6%) from 2023

Liabilities

Up

$696,540,451

Up $55,390,095 (+8.6%) from 2023

Net Assets

Up

$87,641,713

Up $13,028,651 (+17%) from 2023

Operations
Liabilities / Revenue72nd percentileNet Margin92nd percentile

Revenue

Up

$40,573,625

Up $6,134,735 (+18%) from 2023

Expenses

Up

$30,822,747

Up $6,162,550 (+25%) from 2023

Net Income

Down

$9,750,878

Down $27,815 (-0.3%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth92nd percentile

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

$800M$600M$400M$200M$0Assets 2010: $316,272,800Liabilities 2010: $275,588,844Net Assets 2010: $40,683,9562010Assets 2011: $325,866,089Liabilities 2011: $281,578,544Net Assets 2011: $44,287,5452011Assets 2012: $333,670,581Liabilities 2012: $287,713,353Net Assets 2012: $45,957,2282012Assets 2013: $340,615,104Liabilities 2013: $293,053,475Net Assets 2013: $47,561,6292013Assets 2014: $374,110,033Liabilities 2014: $321,216,602Net Assets 2014: $52,893,4312014Assets 2015: $413,804,939Liabilities 2015: $356,528,373Net Assets 2015: $57,276,5662015Assets 2016: $443,222,675Liabilities 2016: $382,947,661Net Assets 2016: $60,275,0142016Assets 2017: $465,553,047Liabilities 2017: $399,905,587Net Assets 2017: $65,647,4602017Assets 2018: $483,457,759Liabilities 2018: $413,100,178Net Assets 2018: $70,357,5812018Assets 2019: $525,006,530Liabilities 2019: $445,309,444Net Assets 2019: $79,697,0862019Assets 2020: $636,871,324Liabilities 2020: $545,876,952Net Assets 2020: $90,994,3722020Assets 2021: $694,874,887Liabilities 2021: $603,182,930Net Assets 2021: $91,691,9572021Assets 2022: $686,921,237Liabilities 2022: $624,812,253Net Assets 2022: $62,108,9842022Assets 2023: $715,763,418Liabilities 2023: $641,150,356Net Assets 2023: $74,613,0622023Assets 2024: $784,182,164Liabilities 2024: $696,540,451Net Assets 2024: $87,641,7132024

Highlighted filing

2024

Assets$784,182,164
Liabilities$696,540,451
Net Assets$87,641,713
Open 2024 Filing

Operations Trend

Revenue Growth61st percentile

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

$60M$40M$20M$0Expenses 2010: $16,283,4782010Expenses 2011: $14,600,1642011Expenses 2012: $13,545,7762012Revenue 2013: $14,483,385Expenses 2013: $11,123,840Net Income 2013: $3,359,5452013Revenue 2014: $16,086,361Expenses 2014: $11,795,564Net Income 2014: $4,290,7972014Revenue 2015: $17,165,497Expenses 2015: $12,045,577Net Income 2015: $5,119,9202015Revenue 2016: $19,596,465Expenses 2016: $14,429,709Net Income 2016: $5,166,7562016Revenue 2017: $20,192,600Expenses 2017: $14,875,382Net Income 2017: $5,317,2182017Revenue 2018: $21,421,735Expenses 2018: $16,170,537Net Income 2018: $5,251,1982018Revenue 2019: $23,593,571Expenses 2019: $17,302,860Net Income 2019: $6,290,7112019Revenue 2020: $25,031,152Expenses 2020: $17,477,827Net Income 2020: $7,553,3252020Revenue 2021: $25,132,877Expenses 2021: $17,903,074Net Income 2021: $7,229,8032021Revenue 2022: $27,618,251Expenses 2022: $19,570,980Net Income 2022: $8,047,2712022Revenue 2023: $34,438,890Expenses 2023: $24,660,197Net Income 2023: $9,778,6932023Revenue 2024: $40,573,625Expenses 2024: $30,822,747Net Income 2024: $9,750,8782024

Highlighted filing

2024

Revenue$40,573,625
Expenses$30,822,747
Net Income$9,750,878
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$784,182,164
Liabilities
$696,540,451
Net assets
$87,641,713
Revenue
$40,573,625
Expenses
$30,822,747
Net income
$9,750,878
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$784$697$87.6$40.6$30.8$9.75
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$716$641$74.6$34.4$24.7$9.78
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$687$625$62.1$27.6$19.6$8.05
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$695$603$91.7$25.1$17.9$7.23
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$637$546$91.0$25.0$17.5$7.55
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$525$445$79.7$23.6$17.3$6.29
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$483$413$70.4$21.4$16.2$5.25
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$466$400$65.6$20.2$14.9$5.32
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$443$383$60.3$19.6$14.4$5.17
2015Detailed filing. Detailed filing data is available for this year.$414$357$57.3$17.2$12.0$5.12
2014Detailed filing. Detailed filing data is available for this year.$374$321$52.9$16.1$11.8$4.29
2013Detailed filing. Detailed filing data is available for this year.$341$293$47.6$14.5$11.1$3.36
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$334$288$46.0$13.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$326$282$44.3$14.6
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$316$276$40.7$16.3
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2015 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 4, 2016
Return Version
2015v2.1
Gross Receipts
$50,449,887
Mission and Program Overview

Mission

To promote the philosophy of people helping people. Striving to be the primary provider of financial services to our members and their families by providing the opportunity to achieve financial security and well-being.

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$211,331,392$225,758,522▲ $14,427,130
Investments Other Securities$133,863,539$150,114,810▲ $16,251,271
Rtn Earn Endowment Incm Other Fnds$52,893,431$57,276,566▲ $4,383,135
Investments Program Related$8,716,407$17,629,600▲ $8,913,193
Land, Buildings, and Equipment, Net$7,379,389$7,986,371▲ $606,982
Cash and Non-Interest-Bearing Accounts$4,807,397$4,796,658▼ $10,739
Savings and Temporary Cash Investments$1,252,564$524,185▼ $728,379
Prepaid Expenses and Deferred Charges$200,203$353,876▲ $153,673
Accounts Receivable$18,324$32,474▲ $14,150
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$374,110,033$413,804,939▲ $39,694,906
Other Assets Total$6,540,818$6,608,443▲ $67,625
Liabilities
Other Liabilities$319,886,688$354,996,647▲ $35,109,959
Accounts Payable and Accrued Expenses$1,329,914$1,531,726▲ $201,812
Total Liabilities$321,216,602$356,528,373▲ $35,311,771
Net Assets / Fund Balance
Total Net Assets Fund Balance$52,893,431$57,276,566▲ $4,383,135
Total Liabilities and Net Assets / Fund Balance$374,110,033$413,804,939▲ $39,694,906

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,323,592$2,395,324$7,718,916
Equipment$765,726$2,506,293$3,272,019
Land$1,421,309-$1,421,309
Other Land Buildings$467,459$0$467,459
Leasehold Improvements$8,285$13,519$21,804
Other Securities$1,214,300--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Randall SmithCEOFT$207,695$64,194$271,889
Michael ServossEVP-AdministrationFT$150,790$45,941$196,731
Roy CadieuxEVP-OperationsFT$160,513$29,236$189,749
Robert SchrockVP-LendingFT$125,816$28,608$154,424

Board Members and Trustees

NameTitle
Mark SpohrChairperson
Ron WimpleVice Chairperson
David MillerDirector
Patricia GerthDirector
Richard EgliDirector
James BaldwinSecretary
Linda RosacransTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,392,902
Investment Income
$2,792,081
Other Revenue
$-19,486
Change in Net Assets
$5,119,920

Audited Revenue Reconciliation

Revenue per Audited Statements
$17,314,613
Revenue Not Reported on Financial Statements
$-149,116
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-149,116
Total Revenue per Audited Statements
$17,314,613
Total Revenue per Form 990
$17,165,497
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,120,303
Salaries, Compensation, and Employee Benefits$5,925,274
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,806,378
Interest---$1,372,924
Office Expenses---$965,834
Current Officers, Directors, Trustees, and Key Employees---$812,793
Occupancy---$646,428
Information Technology---$638,918
Other Employee Benefits---$557,280
Pension Plan Contributions---$391,993
Payroll Taxes---$356,830
Depreciation Depletion---$344,315
Advertising---$303,328
Insurance---$94,274
Conferences and Meetings---$74,074
Fees for Services Accounting---$48,621
Fees for Services Legal---$35,612
Fees for Services Other---$30,353
Travel---$25,173
Fees for Services Management---$21,701
Other Expenses---$17,500
All Other Expenses---$-726,762
Total Functional Expenses$0$0$0$12,045,577

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$12,194,693
Expenses per Audited Statements$12,045,577
Total Expenses per Form 990$12,045,577
Expenses Not Reported on Form 990$149,116
Expenses Not Reported on Financial Statements$0
Other Expense Adjustments$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
Member Shares$354,996,647
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 a single class of members with equal rights of ownership, governance and voting.”

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

“Board Members are elected by the membership at the Annual Meeting of the Membership for 3 year terms.”

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

“The membership of the credit union must approve mergers, field of membership changes, by-law changes, and charter changes.”

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

“The Form 990 and schedules are carefully reviewed by the Executive Vice President-Administration, the CEO also reviews in summary. The Form 990 and schedules are made available to the Board of Directors for review.”

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

“Conflicts of interest are monitored by a system of dual controls.”

Form 990, Part VI, Section B, Line 15

“The Board of Directors determines CEO compensation through the use of multiple salary surveys and third party appraisal and compensation system. The CEO uses the same resources for determining VP compensation. The CEO's last compensation review was performed in 2015. The Executive Vice President-Administration's last compensation review was in 2015.”

Form 990, Part VI, Section C, Line 19

“Monthly Financial Statements are posted in the lobbies of the Credit Union. Other documents are available for review upon request.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State of Michigan
EIN
38-1524325
Phone
5174239120
Address
3030 S Adrian Hwy, Adrian, MI 49221

Signing Officer

Name
Randall Smith
Title
CEO
Phone
5174239120
Signed
2016-11-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Randall Smith
Formed
1956
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
118
Volunteers
10

Preparer

Firm
Cindrich Mahalak & Co
Address
31215 Jefferson Ave, St Clair Shores, MI 48082
Preparer
Denise Luckenbacher
Phone
5862961155
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 2

“The Credit Union began offering Mobile Banking and Mobile Deposit Capture to members.”

Form 990, Part XI, Line 9

“Other Comprehensive Income -42,782”

Financial Statement Notes

Schedule D, Part XI, Line 4B

“Rental Expenses included in Net Rental Income -80,386; Net Loss on Sale of Other Real Estate Owned -66,887; Loss on Sale of Hudson ATM -1,843.”

Schedule D, Part XII, Line 2D

“Rental Expenses included in Net Rental Income 80,386; Net Loss on Sale of Other Real Estate Owned 66,887; Loss on Sale of Hudson ATM 1,843.”

Raw XML AppendixShowing 400 of 565 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01329914
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01531726
IRS990/AccountsReceivableGrp/BOYAmt018324
IRS990/AccountsReceivableGrp/EOYAmt032474
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0To provide financial services to member owners with a common bond.
IRS990/AdvertisingGrp/TotalAmt0303328
IRS990/AllOtherExpensesGrp/TotalAmt0-726762
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0TLC Community Credit Union
IRS990/BooksInCareOfDetail/PhoneNum05172639120
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03030 S Adrian Hwy
IRS990/BooksInCareOfDetail/USAddress/CityNm0Adrian
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049221
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt04807397
IRS990/CashNonInterestBearingGrp/EOYAmt04796658
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0812793
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt074074
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt02792081
IRS990/CYOtherExpensesAmt06120303
IRS990/CYOtherRevenueAmt0-19486
IRS990/CYProgramServiceRevenueAmt014392902
IRS990/CYRevenuesLessExpensesAmt05119920
IRS990/CYSalariesCompEmpBnftPaidAmt05925274
IRS990/CYTotalExpensesAmt012045577
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt017165497
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0344315
IRS990/Desc0Provide 46,448 members with Savings, Share Drafts, Club, Money Market, Business, Individual Retirement and Certificates of Deposit Accounts totaling 81,593.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0118
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt048621
IRS990/FeesForServicesLegalGrp/TotalAmt035612
IRS990/FeesForServicesManagementGrp/TotalAmt021701
IRS990/FeesForServicesOtherGrp/TotalAmt030353
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt758678
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt840425
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt921944
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1021592
IRS990/Form990PartVIISectionAGrp/PersonNm0Mark Spohr
IRS990/Form990PartVIISectionAGrp/PersonNm1Ron Wimple
IRS990/Form990PartVIISectionAGrp/PersonNm2Linda Rosacrans
IRS990/Form990PartVIISectionAGrp/PersonNm3James Baldwin
IRS990/Form990PartVIISectionAGrp/PersonNm4David Miller
IRS990/Form990PartVIISectionAGrp/PersonNm5Patricia Gerth
IRS990/Form990PartVIISectionAGrp/PersonNm6Richard Egli
IRS990/Form990PartVIISectionAGrp/PersonNm7Randall Smith
IRS990/Form990PartVIISectionAGrp/PersonNm8Michael Servoss
IRS990/Form990PartVIISectionAGrp/PersonNm9Roy Cadieux
IRS990/Form990PartVIISectionAGrp/PersonNm10Robert Schrock
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7213211
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8156306
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9167805
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10132832
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8EVP-Administration
IRS990/Form990PartVIISectionAGrp/TitleTxt9EVP-Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP-Lending
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01956
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-68730
IRS990/GainOrLossGrp/SecuritiesAmt090163
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0897039
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt032328398
IRS990/GrossReceiptsAmt050449887
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt060900
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0638918
IRS990/InsuranceGrp/TotalAmt094274
IRS990/InterestGrp/TotalAmt01372924
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02770648
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02770648
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0133863539
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0150114810
IRS990/InvestmentsProgramRelatedGrp/BOYAmt08716407
IRS990/InvestmentsProgramRelatedGrp/EOYAmt017629600
IRS990/IRPDocumentCnt010229
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04915136
IRS990/LandBldgEquipBasisNetGrp/BOYAmt07379389
IRS990/LandBldgEquipBasisNetGrp/EOYAmt07986371
IRS990/LandBldgEquipCostOrOtherBssAmt012901507
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0965769
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt032238235
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt080386
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To promote the philosophy of people helping people. Striving to be the primary provider of financial services to our members and their families by providing the opportunity to achieve financial security and well-being.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt052893431
IRS990/NetAssetsOrFundBalancesEOYAmt057276566
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt021433
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt021433
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt0-19486
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-19486
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt041926
IRS990/NetUnrlzdGainsLossesInvstAmt0-694003
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0646428
IRS990/OfficeExpensesGrp/TotalAmt0965834
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06540818
IRS990/OtherAssetsTotalGrp/EOYAmt06608443
IRS990/OtherChangesInNetAssetsAmt0-42782
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0557280
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Miscellaneous Expense
IRS990/OtherExpensesGrp/Desc2Association Dues/Exam Fees
IRS990/OtherExpensesGrp/Desc3OREO Writedowns
IRS990/OtherExpensesGrp/TotalAmt01965726
IRS990/OtherExpensesGrp/TotalAmt1163546
IRS990/OtherExpensesGrp/TotalAmt298738
IRS990/OtherExpensesGrp/TotalAmt317500
IRS990/OtherLiabilitiesGrp/BOYAmt0319886688
IRS990/OtherLiabilitiesGrp/EOYAmt0354996647
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt03806378
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0211331392
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0225758522
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0356830
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0391993
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0200203
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0353876
IRS990/PrincipalOfficerNm0Randall Smith
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest
IRS990/ProgramServiceRevenueGrp/Desc1Fee & Other Income
IRS990/ProgramServiceRevenueGrp/Desc2Sale of Mortgages
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt09092541
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14794869
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2451878
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt09092541
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14848483
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2451878
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt153614
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide 14,032 New and Used Auto, Revolving Credit, Overdraft, Commercial, Real Estate, Home Equity Student and Credit Card loans.
IRS990/ProgSrvcAccomActy3Grp/Desc0Offer ATM, Home Banking, Audio Response, ACH, Safe Deposit Boxes, Overdraft Protection, Check Cashing, Travelers Checks, Mobile Banking, Mobile Deposit Capture and various insurance programs to all eligible members.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02837056
IRS990/PYOtherExpensesAmt06243718
IRS990/PYOtherRevenueAmt0-15705
IRS990/PYProgramServiceRevenueAmt013265010
IRS990/PYRevenuesLessExpensesAmt04290797
IRS990/PYSalariesCompEmpBnftPaidAmt05551846
IRS990/PYTotalExpensesAmt011795564
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt016086361
IRS990/ReconcilationRevenueExpnssAmt05119920
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt0-19486
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt052893431
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt057276566
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01252564
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0524185
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt05323592
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02395324
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07718916
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0765726
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02506293
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03272019
IRS990ScheduleD/ExpensesNotReportedAmt0149116
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt012045577
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt01421309
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01421309
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt08285
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt013519
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt021804
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt0149116
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0467459
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0467459
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0354996647
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-149116
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt04226000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1144669710
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt24800
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt31214300
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Certificates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Federal Agency Securities
IRS990ScheduleD/OtherSecuritiesGrp/Desc2Co-Op Network Stock
IRS990ScheduleD/OtherSecuritiesGrp/Desc3FHLB Stock
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-149116
IRS990ScheduleD/RevenueSubtotalAmt017314613
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Rental Expenses included in Net Rental Income -80,386; Net Loss on Sale of Other Real Estate Owned -66,887; Loss on Sale of Hudson ATM -1,843.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1Rental Expenses included in Net Rental Income 80,386; Net Loss on Sale of Other Real Estate Owned 66,887; Loss on Sale of Hudson ATM 1,843.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part XI, Line 4b
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Schedule D, Part XII, Line 2d
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07986371
IRS990ScheduleD/TotalBookValueSecuritiesAmt0150114810
IRS990ScheduleD/TotalExpensesPerForm990Amt012045577
IRS990ScheduleD/TotalLiabilityAmt0354996647
IRS990ScheduleD/TotalRevenuePerForm990Amt017165497
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt017314613
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt012194693
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0207695
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1150790
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2160513
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3125816
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount05000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount15000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount25000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount35000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00

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