Civic Intelligence

Credit Unions Chartered in the State of Michigan 4 Front Credit Union

990 • Fiscal year 2014 • EIN 38-1524350

Jan 01, 2014 to Dec 31, 2014 • Filed on Aug 18, 2015

Organization ProfileWWW.MEMBERSCU.COM

View Organization Page

PO Box 795Traverse City, MI 49685-0795

(231) 929-2000

Siviq Scores

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

Liabilities / Assets

55th percentile

0.90x

Higher debt load relative to assets than 55% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

38th percentile

17.02x

Higher debt load relative to revenue than 38% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

51st percentile

11%

Higher net margin than 51% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

38th percentile

$172,711

Higher top officer pay than 38% of similar nonprofits.

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

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

59th percentile

4.6%

Faster asset growth than 59% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

84th percentile

8.7%

Faster revenue growth than 84% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$228,412,401

Up $10,111,594 (+4.6%) from 2013

Net Assets

Up

$23,060,412

Up $2,343,099 (+11%) from 2013

Liabilities

Up

$205,351,989

Up $7,768,495 (+3.9%) from 2013

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin51st percentile

Revenue

Up

$12,068,256

Up $964,846 (+8.7%) from 2013

Expenses

Up

$10,729,566

Up $987,208 (+10%) from 2013

Net Income

Down

$1,338,690

Down $22,362 (-1.6%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth59th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $185,622,015Liabilities 2010: $167,951,128Net Assets 2010: $17,670,8872010Assets 2011: $196,644,636Liabilities 2011: $177,793,583Net Assets 2011: $18,851,0532011Assets 2012: $210,458,876Liabilities 2012: $190,311,653Net Assets 2012: $20,147,2232012Assets 2013: $218,300,807Liabilities 2013: $197,583,494Net Assets 2013: $20,717,3132013Assets 2014: $228,412,401Liabilities 2014: $205,351,989Net Assets 2014: $23,060,4122014Assets 2015: $426,862,483Liabilities 2015: $380,489,183Net Assets 2015: $46,373,3002015Assets 2016: $458,969,484Liabilities 2016: $408,738,972Net Assets 2016: $50,230,5122016Assets 2017: $488,650,887Liabilities 2017: $434,541,083Net Assets 2017: $54,109,8042017Assets 2018: $516,059,883Liabilities 2018: $456,843,153Net Assets 2018: $59,216,7302018Assets 2019: $560,363,272Liabilities 2019: $494,794,646Net Assets 2019: $65,568,6262019Assets 2020: $742,406,934Liabilities 2020: $669,025,695Net Assets 2020: $73,381,2392020Assets 2021: $896,646,295Liabilities 2021: $816,500,069Net Assets 2021: $80,146,2262021Assets 2022: $1,009,844,526Liabilities 2022: $933,681,311Net Assets 2022: $76,163,2152022Assets 2023: $1,086,820,765Liabilities 2023: $1,004,190,107Net Assets 2023: $82,630,6582023Assets 2024: $1,028,814,833Liabilities 2024: $943,339,336Net Assets 2024: $85,475,4972024

Highlighted filing

2014

Assets$228,412,401
Liabilities$205,351,989
Net Assets$23,060,412
Open 2014 Filing

Operations Trend

Revenue Growth84th percentile

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

$80M$60M$40M$20M$0-$20MExpenses 2010: $12,014,0912010Expenses 2011: $11,540,2002011Expenses 2012: $10,777,9912012Revenue 2013: $11,103,410Expenses 2013: $9,742,358Net Income 2013: $1,361,0522013Revenue 2014: $12,068,256Expenses 2014: $10,729,566Net Income 2014: $1,338,6902014Revenue 2015: $22,492,717Expenses 2015: $21,023,834Net Income 2015: $1,468,8832015Revenue 2016: $25,240,982Expenses 2016: $21,208,895Net Income 2016: $4,032,0872016Revenue 2017: $28,236,946Expenses 2017: $24,268,196Net Income 2017: $3,968,7502017Revenue 2018: $34,298,344Expenses 2018: $28,441,271Net Income 2018: $5,857,0732018Revenue 2019: $39,221,324Expenses 2019: $34,435,623Net Income 2019: $4,785,7012019Revenue 2020: $43,206,858Expenses 2020: $36,701,631Net Income 2020: $6,505,2272020Revenue 2021: $51,854,069Expenses 2021: $42,435,257Net Income 2021: $9,418,8122021Revenue 2022: $56,680,662Expenses 2022: $45,227,865Net Income 2022: $11,452,7972022Revenue 2023: $72,347,605Expenses 2023: $68,221,104Net Income 2023: $4,126,5012023Revenue 2024: $76,251,267Expenses 2024: $76,831,381Net Income 2024: -$580,1142024

Highlighted filing

2014

Revenue$12,068,256
Expenses$10,729,566
Net Income$1,338,690
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Aug 18, 2015
Return Version
2014v5.0
Gross Receipts
$12,068,256
Mission and Program Overview

Mission

To provide financial services to members with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$117,765,835$125,877,276▲ $8,111,441
Investments Program Related$60,537,457$60,759,073▲ $221,616
Rtn Earn Endowment Incm Other Fnds$20,717,313$23,060,412▲ $2,343,099
Savings and Temporary Cash Investments$17,932,379$20,633,282▲ $2,700,903
Land, Buildings, and Equipment, Net$6,514,786$6,241,516▼ $273,270
Cash and Non-Interest-Bearing Accounts$5,915,568$4,736,840▼ $1,178,728
Accounts Receivable$177,126$198,504▲ $21,378
Prepaid Expenses and Deferred Charges$153,409$191,178▲ $37,769
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$218,300,807$228,412,401▲ $10,111,594
Other Assets Total$9,304,247$9,774,732▲ $470,485
Liabilities
Other Liabilities$195,658,932$203,099,558▲ $7,440,626
Accounts Payable and Accrued Expenses$1,880,782$2,232,110▲ $351,328
Mortgage Notes Payable Secured by Investment Property$43,780$20,321▼ $23,459
Total Liabilities$197,583,494$205,351,989▲ $7,768,495
Net Assets / Fund Balance
Total Net Assets Fund Balance$20,717,313$23,060,412▲ $2,343,099
Total Liabilities and Net Assets / Fund Balance$218,300,807$228,412,401▲ $10,111,594

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,792,141$2,055,904$4,848,045
Land$3,113,370-$3,113,370
Equipment$323,482$2,051,355$2,374,837
Leasehold Improvements$12,523$25,520$38,043
Investment Program Related Org$523,439--
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Martha AllmanExecutive Vice PresidentFT$95,429$77,282$172,711
Andrew KempfPresident/CEOFT$133,839$29,324$163,163
Valerie ArnoldFinancial AnalystFT$83,647$13,768$97,415

Board Members and Trustees

NameTitle
Michael SlaterChairman
Brian AusdemoreDirector
James HoffmanDirector
Larry St OursDirector
Peggy HaroldDirector
Richard BaileyDirector
Cathryn HaroldSecretary/treasurer
Larry FayVice Chaiman
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,882,792
Investment Income
$1,024,481
Other Revenue
$160,983
Change in Net Assets
$1,338,690
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,530,038
Salaries, Compensation, and Employee Benefits$4,199,528
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,802,565
Information Technology---$1,108,940
Office Expenses---$892,768
Interest---$677,667
Occupancy---$547,941
Other Employee Benefits---$529,381
Current Officers, Directors, Trustees, and Key Employees---$433,289
Depreciation Depletion---$380,228
Insurance---$304,619
Payroll Taxes---$266,565
All Other Expenses---$208,164
Advertising---$196,349
Other Expenses---$181,279
Pension Plan Contributions---$167,728
Travel---$82,176
Fees for Services Accounting---$26,014
Fees for Services Legal---$6,045
Total Functional Expenses$0$0$0$10,729,566
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$155,429,293
Member Deposit Accounts$47,670,265
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
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

“Members vote and elect board members at the annual meeting.”

Form 990, Part VI, Section B, Line 11

“Management reviews the tax returns and forwards u.s. Form 8879-eo to the tax preparer. The board reviews the filed tax returns at the next scheduled meeting.”

Form 990, Part VI, Section B, Line 15

“The president/ceo performs annual evaluations of executive vp and vice presidents on their employment anniversary date. In may of each year an evaluation form is mailed to each board member with a stamped envelope addressed to the chairman of the board. The president/ceo submits to the salary committee comparability wage data as found in the mi cu league survey book. The personnel/salary committee holds a meeting in june to discuss the evaluation and wages for the president/ceo and all vice presidents. The personnel/salary committee submits their recommendations to the board at the june board meeting. The personnel/salary committee reviews comparability wage data from mi cu league every june and discusses evaluations and proposed wages for the chief executive and all vice presidents, then submits their recommendations to the board at their june meeting.”

Form 990, Part VI, Section C, Line 19

“Monthly financials are available upon request at credit union offices. Other governing documents are available for review upon request at 3963 w. Royal drive, traverse city, mi.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the 390
EIN
38-1524350
Phone
2319292000
Address
PO BOX 795, TRAVERSE CITY, MI 49685-0795

Signing Officer

Name
Andrew Kempf
Title
President/CEO
Phone
2319292000
Signed
2015-08-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Andrew Kempf
Formed
1954
Legal Domicile
Mi
Voting Board Members
8
Independent Board Members
8
Employees
129
Volunteers
8

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Robin D Hoag CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Equity acquired in merger 3,101.”

FORM 990, PART XII, LINE 2:

“The credit union's financial statements audit will be performed by independent accountants for the twelve-months ended march 31, 2015.”

Raw XML AppendixShowing 400 of 453 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/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2525990
IRS990/OtherRevenueMiscGrp/Desc0INSURANCE REIMBURSEMENT
IRS990/OtherRevenueMiscGrp/Desc1OTHER
IRS990/OtherRevenueMiscGrp/Desc2NONMEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt073319
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt153778
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt233886
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt073319
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt153778
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt233886
IRS990/OtherRevenueTotalAmt0160983
IRS990/OtherSalariesAndWagesGrp/TotalAmt02802565
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0117765835
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0125877276
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0266565
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0167728
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0153409
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0191178
IRS990/PrincipalOfficerNm0ANDREW KEMPF
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER PROG SERV REVENUE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06886942
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12449720
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21546130
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06886942
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12449720
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21546130
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 12/31/2014 WAS 18,583.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0621477
IRS990/PYOtherExpensesAmt05634897
IRS990/PYOtherRevenueAmt0197259
IRS990/PYProgramServiceRevenueAmt010284674
IRS990/PYRevenuesLessExpensesAmt01361052
IRS990/PYSalariesCompEmpBnftPaidAmt04107461
IRS990/PYTotalExpensesAmt09742358
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt011103410
IRS990/ReconcilationRevenueExpnssAmt01338690
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt020717313
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt023060412
IRS990/SavingsAndTempCashInvstGrp/BOYAmt017932379
IRS990/SavingsAndTempCashInvstGrp/EOYAmt020633282
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02792141
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02055904
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04848045
IRS990ScheduleD/EquipmentGrp/BookValueAmt0323482
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02051355
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02374837
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt075550
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt159019484
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2248000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3892600
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4523439
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CUSO INVESTMENT-CU SOLUTIONS GROUP (FKA CU VILLAGE.COM)
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1AVAILABLE FOR SALE INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2HOLD TO MATURITY INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3FHLBI STOCK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4CLF STOCK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/LandGrp/BookValueAmt03113370
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03113370
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt012523
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt025520
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt038043
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt047670265
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1155429293
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06241516
IRS990ScheduleD/TotalBookValueProgramRltdAmt060759073
IRS990ScheduleD/TotalLiabilityAmt0203099558
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0133839
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt195429
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount03428
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount110002
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt015444
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt161809
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt010212
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt14872
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0240
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt1599
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ANDREW KEMPF
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1MARTHA ALLMAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EXECUTIVE VICE PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0163163
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1172711
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0ONE IMMEDIATE FAMILY MEMBER IS ABLE TO ATTEND ONLY ON OUT OF STATE MEETINGS. REIMBURSEMENTS ARE LIMITED TO $100 PER DAY PER PERSON FOR FOOD AND $200 PER DAY FOR DOUBLE OCCUPANCY LODGING.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1EXECUTIVE VICE PRESIDENT MARTHA ALLMAN PARTICIPATES IN A 457(F) PLAN WHICH THE CREDIT UNION FUNDED $51,403 IN 2014.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1A
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE AND VOTING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS VOTE AND ELECT BOARD MEMBERS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MANAGEMENT REVIEWS THE TAX RETURNS AND FORWARDS U.S. FORM 8879-EO TO THE TAX PREPARER. THE BOARD REVIEWS THE FILED TAX RETURNS AT THE NEXT SCHEDULED MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT/CEO PERFORMS ANNUAL EVALUATIONS OF EXECUTIVE VP AND VICE PRESIDENTS ON THEIR EMPLOYMENT ANNIVERSARY DATE. IN MAY OF EACH YEAR AN EVALUATION FORM IS MAILED TO EACH BOARD MEMBER WITH A STAMPED ENVELOPE ADDRESSED TO THE CHAIRMAN OF THE BOARD. THE PRESIDENT/CEO SUBMITS TO THE SALARY COMMITTEE COMPARABILITY WAGE DATA AS FOUND IN THE MI CU LEAGUE SURVEY BOOK. THE PERSONNEL/SALARY COMMITTEE HOLDS A MEETING IN JUNE TO DISCUSS THE EVALUATION AND WAGES FOR THE PRESIDENT/CEO AND ALL VICE PRESIDENTS. THE PERSONNEL/SALARY COMMITTEE SUBMITS THEIR RECOMMENDATIONS TO THE BOARD AT THE JUNE BOARD MEETING. THE PERSONNEL/SALARY COMMITTEE REVIEWS COMPARABILITY WAGE DATA FROM MI CU LEAGUE EVERY JUNE AND DISCUSSES EVALUATIONS AND PROPOSED WAGES FOR THE CHIEF EXECUTIVE AND ALL VICE PRESIDENTS, THEN SUBMITS THEIR RECOMMENDATIONS TO THE BOARD AT THEIR JUNE MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MONTHLY FINANCIALS ARE AVAILABLE UPON REQUEST AT CREDIT UNION OFFICES. OTHER GOVERNING DOCUMENTS ARE AVAILABLE FOR REVIEW UPON REQUEST AT 3963 W. ROYAL DRIVE, TRAVERSE CITY, MI.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EQUITY ACQUIRED IN MERGER 3,101.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION'S FINANCIAL STATEMENTS AUDIT WILL BE PERFORMED BY INDEPENDENT ACCOUNTANTS FOR THE TWELVE-MONTHS ENDED MARCH 31, 2015.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XII, LINE 2:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0218300807
IRS990/TotalAssetsEOYAmt0228412401
IRS990/TotalAssetsGrp/BOYAmt0218300807
IRS990/TotalAssetsGrp/EOYAmt0228412401
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt0129
IRS990/TotalFunctionalExpensesGrp/TotalAmt010729566
IRS990/TotalGrossUBIAmt0160983
IRS990/TotalLiabilitiesBOYAmt0197583494
IRS990/TotalLiabilitiesEOYAmt0205351989
IRS990/TotalLiabilitiesGrp/BOYAmt0197583494
IRS990/TotalLiabilitiesGrp/EOYAmt0205351989

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$228,412,401
Liabilities
$205,351,989
Net assets
$23,060,412
Revenue
$12,068,256
Expenses
$10,729,566
Net income
$1,338,690
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,029$943$85.5$76.3$76.8$0.58
2023Detailed filing. Detailed filing data is available for this year.$1,087$1,004$82.6$72.3$68.2$4.13
2022Detailed filing. Detailed filing data is available for this year.$1,010$934$76.2$56.7$45.2$11.5
2021Detailed filing. Detailed filing data is available for this year.$897$817$80.1$51.9$42.4$9.42
2020Detailed filing. Detailed filing data is available for this year.$742$669$73.4$43.2$36.7$6.51
2019Detailed filing. Detailed filing data is available for this year.$560$495$65.6$39.2$34.4$4.79
2018Detailed filing. Detailed filing data is available for this year.$516$457$59.2$34.3$28.4$5.86
2017Detailed filing. Detailed filing data is available for this year.$489$435$54.1$28.2$24.3$3.97
2016Detailed filing. Detailed filing data is available for this year.$459$409$50.2$25.2$21.2$4.03
2015Detailed filing. Detailed filing data is available for this year.$427$380$46.4$22.5$21.0$1.47
2014Detailed filing. Detailed filing data is available for this year.$228$205$23.1$12.1$10.7$1.34
2013Detailed filing. Detailed filing data is available for this year.$218$198$20.7$11.1$9.74$1.36
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$210$190$20.1$10.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$197$178$18.9$11.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$186$168$17.7$12.0