Civic Intelligence

Credit Unions Chartered in the 384

EIN 38-1536749 • 501(c)14 • Warren, MI

View Organization Page

Profile

To enhance the financial well-being of members and potential members by providing quality, value, and convenience in our products and services which promotes member confidence and loyalty while maintaining financial stability.

6611 Chicago RoadWarren, MI 48092

www.extracreditunion.org

Siviq Scores

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

Liabilities / Assets

15th percentile

0.86x

Higher debt load relative to assets than 15% of similar nonprofits.

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

Liabilities / Revenue

6th percentile

10.47x

Higher debt load relative to revenue than 6% of similar nonprofits.

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

Net Margin

76th percentile

16%

Higher net margin than 76% 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

43rd percentile

2.0%

Faster asset growth than 43% of similar nonprofits.

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

Revenue Growth

20th percentile

7.8%

Faster revenue growth than 20% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets15th percentile

Assets

Up

$317,846,583

Up $6,129,056 (+2.0%) from 2023

Liabilities

Down

$273,294,423

Down $773,825 (-0.3%) from 2023

Net Assets

Up

$44,552,160

Up $6,902,881 (+18%) from 2023

Operations
Liabilities / Revenue6th percentileNet Margin76th percentile

Revenue

Up

$26,104,511

Up $1,886,100 (+7.8%) from 2023

Expenses

Up

$21,905,872

Up $2,693,087 (+14%) from 2023

Net Income

Down

$4,198,639

Down $806,987 (-16%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth43rd percentile

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

$400M$300M$200M$100M$0Assets 2011: $194,960,167Liabilities 2011: $180,847,355Net Assets 2011: $14,112,8122011Assets 2012: $192,872,029Liabilities 2012: $178,211,291Net Assets 2012: $14,660,7382012Assets 2013: $192,662,177Liabilities 2013: $177,410,421Net Assets 2013: $15,251,7562013Assets 2014: $194,765,047Liabilities 2014: $178,096,476Net Assets 2014: $16,668,5712014Assets 2015: $202,273,212Liabilities 2015: $184,822,740Net Assets 2015: $17,450,4722015Assets 2016: $213,866,541Liabilities 2016: $195,448,310Net Assets 2016: $18,418,2312016Assets 2017: $221,776,917Liabilities 2017: $201,441,985Net Assets 2017: $20,334,9322017Assets 2018: $231,278,409Liabilities 2018: $209,695,517Net Assets 2018: $21,582,8922018Assets 2019: $236,332,868Liabilities 2019: $210,000,041Net Assets 2019: $26,332,8272019Assets 2020: $290,366,632Liabilities 2020: $256,671,264Net Assets 2020: $33,695,3682020Assets 2021: $324,083,688Liabilities 2021: $288,008,427Net Assets 2021: $36,075,2612021Assets 2022: $314,332,667Liabilities 2022: $283,177,656Net Assets 2022: $31,155,0112022Assets 2023: $311,717,527Liabilities 2023: $274,068,248Net Assets 2023: $37,649,2792023Assets 2024: $317,846,583Liabilities 2024: $273,294,423Net Assets 2024: $44,552,1602024

Highlighted filing

2024

Assets$317,846,583
Liabilities$273,294,423
Net Assets$44,552,160
Open 2024 Filing

Operations Trend

Revenue Growth20th percentile

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

$30M$20M$10M$0Expenses 2011: $10,168,9602011Expenses 2012: $9,580,4892012Revenue 2013: $11,224,981Expenses 2013: $10,042,824Net Income 2013: $1,182,1572013Revenue 2014: $11,016,578Expenses 2014: $9,861,368Net Income 2014: $1,155,2102014Revenue 2015: $11,294,391Expenses 2015: $10,467,291Net Income 2015: $827,1002015Revenue 2016: $12,694,585Expenses 2016: $11,164,913Net Income 2016: $1,529,6722016Revenue 2017: $14,831,444Expenses 2017: $12,959,650Net Income 2017: $1,871,7942017Revenue 2018: $17,630,120Expenses 2018: $15,670,873Net Income 2018: $1,959,2472018Revenue 2019: $19,034,085Expenses 2019: $16,286,151Net Income 2019: $2,747,9342019Revenue 2020: $19,980,667Expenses 2020: $13,847,394Net Income 2020: $6,133,2732020Revenue 2021: $18,894,161Expenses 2021: $13,912,428Net Income 2021: $4,981,7332021Revenue 2022: $20,868,717Expenses 2022: $16,640,278Net Income 2022: $4,228,4392022Revenue 2023: $24,218,411Expenses 2023: $19,212,785Net Income 2023: $5,005,6262023Revenue 2024: $26,104,511Expenses 2024: $21,905,872Net Income 2024: $4,198,6392024

Highlighted filing

2024

Revenue$26,104,511
Expenses$21,905,872
Net Income$4,198,639
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$317,846,583
Liabilities
$273,294,423
Net assets
$44,552,160
Revenue
$26,104,511
Expenses
$21,905,872
Net income
$4,198,639
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$318$273$44.6$26.1$21.9$4.20
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$312$274$37.6$24.2$19.2$5.01
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$314$283$31.2$20.9$16.6$4.23
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$324$288$36.1$18.9$13.9$4.98
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$290$257$33.7$20.0$13.8$6.13
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$236$210$26.3$19.0$16.3$2.75
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$231$210$21.6$17.6$15.7$1.96
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$222$201$20.3$14.8$13.0$1.87
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$214$195$18.4$12.7$11.2$1.53
2015Detailed filing. Detailed filing data is available for this year.$202$185$17.5$11.3$10.5$0.83
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$195$178$16.7$11.0$9.86$1.16
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$193$177$15.3$11.2$10.0$1.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$193$178$14.7$9.58
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$195$181$14.1$10.2
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 30, 2025
Return Version
2024v5.2
Gross Receipts
$26,104,511
Mission and Program Overview

Mission

To enhance the financial well-being of members and potential members by providing quality, value, and convenience in our products and services which promotes member confidence and loyalty while maintaining financial stability.

To enhance the financial well-being for members and potential members by providing quality, value, and convenience in our products and services which promotes member confidence and loyalty while maintaining financial stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$175,298,147$183,967,107▲ $8,668,960
Investments Other Securities$108,973,674$81,786,084▼ $27,187,590
Rtn Earn Endowment Incm Other Fnds$37,649,279$44,552,160▲ $6,902,881
Savings and Temporary Cash Investments$249,699$16,340,158▲ $16,090,459
Investments Program Related$2,394,077$10,939,958▲ $8,545,881
Receivables From Officers Etc$7,146,126$7,246,471▲ $100,345
Land, Buildings, and Equipment, Net$6,428,382$6,299,901▼ $128,481
Cash and Non-Interest-Bearing Accounts$2,154,504$2,258,507▲ $104,003
Accounts Receivable$789,323$694,647▼ $94,676
Prepaid Expenses and Deferred Charges$526,833$575,661▲ $48,828
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$311,717,527$317,846,583▲ $6,129,056
Other Assets Total$7,756,762$7,738,089▼ $18,673
Liabilities
Other Liabilities$271,309,765$270,780,290▼ $529,475
Accounts Payable and Accrued Expenses$2,758,483$2,514,133▼ $244,350
Total Liabilities$274,068,248$273,294,423▼ $773,825
Net Assets / Fund Balance
Total Net Assets Fund Balance$37,649,279$44,552,160▲ $6,902,881
Total Liabilities and Net Assets / Fund Balance$311,717,527$317,846,583▲ $6,129,056

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,757,606$4,492,750$8,250,356
Equipment$1,551,166$4,411,768$5,962,934
Land$640,638-$640,638
Other Land Buildings$44,349$587,394$631,743
Leasehold Improvements$306,142$60,245$366,387
Other Securities$496,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Deidra WilliamsCEOFT$399,635$225,425$625,060
Kristin KasinecVP of FinanceFT$215,197$102,030$317,227
James McqueenVP of Member ServicesFT$171,181$91,098$262,279
Stacey ComiskaAvp FinanceFT$137,590$62,253$199,843
Ruthann VarosiVP of MarketingFT$119,682$45,267$164,949
Mary Kay OsgoodAvp of RiskFT$99,991$55,575$155,566
Paul ShammasIt ManagerFT$123,514$31,021$154,535
Perry SimmonsAavp Member RelatioshipFT$109,571$41,934$151,505

Board Members and Trustees

NameTitle
Anne CovertChairperson
Donald SlagelVice Chairperson
Kenneth MeerschaertBoard Member
Michael StroudBoard Member
Phillip JankowskiBoard Member
Claudia MullinSecretary
John PermaloffTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Member Driven TechnologiesIt Hosting Services30230 ORCHARD LAKE RD, Farmington Hills, MI 48334$837,294
US Signal Company LLCIt Hosting Services201 IONIA AVE SW, Grand Rapids, MI 49503$301,816
Cornelius SystemsCash Recylers1302 ANDERSON RD, Clawson, MI 48017$259,852
ButlerLegal24525 HARPER AVE, St Clair Shores, MI 48080$185,010
Essentialism AdvertisingMarketing1221 BOWERS ST, Birmingham, MI 48012$107,408
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$24,139,301
Investment Income
$1,965,210
Other Revenue
$0
Change in Net Assets
$4,198,639

Audited Revenue Reconciliation

Revenue per Audited Statements
$26,104,511
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$26,104,511
Total Revenue per Form 990
$26,104,511
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,300,358
Salaries, Compensation, and Employee Benefits$8,585,506
Grants and Similar Amounts Paid$20,008
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,351,461
Interest---$2,977,934
Information Technology---$1,384,113
Other Employee Benefits---$1,323,400
Current Officers, Directors, Trustees, and Key Employees---$1,204,566
Occupancy---$682,124
Depreciation Depletion---$586,934
Fees for Services Other---$551,052
Office Expenses---$528,947
Advertising---$490,515
Payroll Taxes---$487,091
Other Expenses---$350,656
Conferences and Meetings---$303,730
Pension Plan Contributions---$218,988
Fees for Services Legal---$214,061
All Other Expenses---$183,752
Insurance---$101,635
Fees for Services Accounting---$69,660
Grants to Domestic Individuals---$20,008
Total Functional Expenses$0$0$0$21,905,872

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$21,905,872
Total Expenses per Audited Statements$21,905,872
Total Expenses per Form 990$21,905,872
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$7,146,126$7,246,471▲ $100,345
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$270,780,290
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 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section 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 can be nominated by current board members or by a petition signed by 50 members. Board members are elected by a majority ballot vote if necessary for a three year term.”

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

“Credit union decisions that are subject to membership approval are mergers, charter changes, dissolution of the credit union, conversion of the credit union to a bank, mutual savings bank, or mutual savings association, stock savings bank, or stock savings and loan association.”

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

“A review is conducted by the president/ceo and vp of finance prior to submission to the irs. The returns are made available to the board of directors for review.”

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

“Each director is required to sign an oath of office in march annually. Oath #7 states the director will report to the president/ceo any conflicts of interest, or potential conflicts of interest, as they would directly impact extra credit union.”

Form 990, Part VI, Section B, Line 15

“The board of directors utilizes a review and compensation software specifically for the president/ceo's annual review. Other officers and/or key employees reviews are completed utilizing a performance software tool. Salary information is compared to industry averages utilizing a software tool. All officers and/or key employee reviews are reviewed and approved by the president/ceo.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union lobby. The conflict of interest policy and governing documents are available for review upon request.”

Filing and Contact Details

Filer

Filer Name
Extra Credit Union
EIN
38-1536749
Phone
5862763000
Address
6611 CHICAGO ROAD, WARREN, MI 48092

Signing Officer

Name
Kristin Kasinec
Title
VP Finance
Phone
5862763125
Signed
2025-07-30

Organization Details

Principal Officer
Deidra Williams
Formed
1954
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
103
Volunteers
8

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Professional services 551,052.”

Form 990, Part IX, Line 24E

“OTHER EXPENSE 183,752.”

FORM 990, PART XII, LINE 2C:

“The organization has a committee that assumes responsibility for the oversight of the audit of its financial statements and the selection of an independent accountant. This process has not changed from previous years.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.”

Raw XML AppendixShowing 400 of 677 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/BOYAmt02758483
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02514133
IRS990/AccountsReceivableGrp/BOYAmt0789323
IRS990/AccountsReceivableGrp/EOYAmt0694647
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO ENHANCE THE FINANCIAL WELL-BEING FOR MEMBERS AND POTENTIAL MEMBERS BY PROVIDING QUALITY, VALUE, AND CONVENIENCE IN OUR PRODUCTS AND SERVICES WHICH PROMOTES MEMBER CONFIDENCE AND LOYALTY WHILE MAINTAINING FINANCIAL STABILITY.
IRS990/AdvertisingGrp/TotalAmt0490515
IRS990/AllOtherExpensesGrp/TotalAmt0183752
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IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
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IRS990/BooksInCareOfDetail/PhoneNum05862763000
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt06611 CHICAGO ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0WARREN
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048092
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02154504
IRS990/CashNonInterestBearingGrp/EOYAmt02258507
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt010
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01204566
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt0303730
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0837294
IRS990/ContractorCompensationGrp/CompensationAmt1301816
IRS990/ContractorCompensationGrp/CompensationAmt2259852
IRS990/ContractorCompensationGrp/CompensationAmt3185010
IRS990/ContractorCompensationGrp/CompensationAmt4107408
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt030230 ORCHARD LAKE RD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1201 IONIA AVE SW
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt21302 ANDERSON RD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt324525 HARPER AVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt41221 BOWERS ST
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0FARMINGTON HILLS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1GRAND RAPIDS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2CLAWSON
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3ST CLAIR SHORES
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4BIRMINGHAM
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4MI
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd448012
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0MEMBER DRIVEN TECHNOLOGIES
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1US SIGNAL COMPANY LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2CORNELIUS SYSTEMS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3BUTLER
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4ESSENTIALISM ADVERTISING
IRS990/ContractorCompensationGrp/ServicesDesc0IT HOSTING SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc1IT HOSTING SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc2CASH RECYLERS
IRS990/ContractorCompensationGrp/ServicesDesc3LEGAL
IRS990/ContractorCompensationGrp/ServicesDesc4MARKETING
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt020008
IRS990/CYInvestmentIncomeAmt01965210
IRS990/CYOtherExpensesAmt013300358
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt024139301
IRS990/CYRevenuesLessExpensesAmt04198639
IRS990/CYSalariesCompEmpBnftPaidAmt08585506
IRS990/CYTotalExpensesAmt021905872
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt026104511
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0586934
IRS990/Desc0PROVIDE 18,994 MEMBERS WITH REGULAR SHARES, SHARE DRAFTS, CERTIFICATES OF DEPOSIT, IRA, AND MONEY MARKET ACCOUNTS TOTALING $270,780,290.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0103
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt069660
IRS990/FeesForServicesLegalGrp/TotalAmt0214061
IRS990/FeesForServicesOtherGrp/TotalAmt0551052
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
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/OtherCompensationAmt743461
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt828115
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt924500
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1019801
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1126069
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1210224
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1322750
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1424234
IRS990/Form990PartVIISectionAGrp/PersonNm0ANNE COVERT
IRS990/Form990PartVIISectionAGrp/PersonNm1DONALD SLAGEL
IRS990/Form990PartVIISectionAGrp/PersonNm2JOHN PERMALOFF
IRS990/Form990PartVIISectionAGrp/PersonNm3CLAUDIA MULLIN
IRS990/Form990PartVIISectionAGrp/PersonNm4PHILLIP JANKOWSKI
IRS990/Form990PartVIISectionAGrp/PersonNm5MICHAEL STROUD
IRS990/Form990PartVIISectionAGrp/PersonNm6KENNETH MEERSCHAERT
IRS990/Form990PartVIISectionAGrp/PersonNm7DEIDRA WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm8KRISTIN KASINEC
IRS990/Form990PartVIISectionAGrp/PersonNm9JAMES MCQUEEN
IRS990/Form990PartVIISectionAGrp/PersonNm10RUTHANN VAROSI
IRS990/Form990PartVIISectionAGrp/PersonNm11STACEY COMISKA
IRS990/Form990PartVIISectionAGrp/PersonNm12PAUL SHAMMAS
IRS990/Form990PartVIISectionAGrp/PersonNm13MARY KAY OSGOOD
IRS990/Form990PartVIISectionAGrp/PersonNm14PERRY SIMMONS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7581599
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8289112
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9237779
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10145148
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11173774
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12144311
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13132816
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14127271
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/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP OF MEMBER SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP OF MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt11AVP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt12IT MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt13AVP OF RISK
IRS990/Form990PartVIISectionAGrp/TitleTxt14AAVP MEMBER RELATIOSHIP
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt020008
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt026104511
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt011
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01384113
IRS990/InsuranceGrp/TotalAmt0101635
IRS990/InterestGrp/TotalAmt02977934
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01965210
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01965210
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0108973674
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt081786084
IRS990/InvestmentsProgramRelatedGrp/BOYAmt02394077
IRS990/InvestmentsProgramRelatedGrp/EOYAmt010939958
IRS990/IRPDocumentCnt03749
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09552157
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06428382
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06299901
IRS990/LandBldgEquipCostOrOtherBssAmt015852058
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO ENHANCE THE FINANCIAL WELL-BEING OF MEMBERS AND POTENTIAL MEMBERS BY PROVIDING QUALITY, VALUE, AND CONVENIENCE IN OUR PRODUCTS AND SERVICES WHICH PROMOTES MEMBER CONFIDENCE AND LOYALTY WHILE MAINTAINING FINANCIAL STABILITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt037649279
IRS990/NetAssetsOrFundBalancesEOYAmt044552160
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt02704242
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0682124
IRS990/OfficeExpensesGrp/TotalAmt0528947
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt07756762
IRS990/OtherAssetsTotalGrp/EOYAmt07738089
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01323400
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3CREDIT CARD EXPENSE
IRS990/OtherExpensesGrp/TotalAmt02946477
IRS990/OtherExpensesGrp/TotalAmt11311148
IRS990/OtherExpensesGrp/TotalAmt2617620
IRS990/OtherExpensesGrp/TotalAmt3350656
IRS990/OtherLiabilitiesGrp/BOYAmt0271309765
IRS990/OtherLiabilitiesGrp/EOYAmt0270780290
IRS990/OtherSalariesAndWagesGrp/TotalAmt05351461
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0175298147
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0183967107
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0487091
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0218988
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0526833
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0575661
IRS990/PrincipalOfficerNm0DEIDRA WILLIAMS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2520000
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEES, CHARGES, & OTHER
IRS990/ProgramServiceRevenueGrp/Desc2FINANCE & INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt016657046
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt17403655
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt016657046
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt17403655
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt278600
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt078600
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE LOANS INCLUDING VEHICLE, PERSONAL, MORTGAGE, RECREATIONAL VEHICLE, AND HOME EQUITY LOANS TOTALING $189,839,996.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, INTERNATIONAL REMITTANCES, BILL PAYER, STUDENT SCHOLARSHIPS, OVERDRAFT PROTECTION/COURTESY PAY, FINANCIAL EDUCATION AND COUNSELING AND VARIOUS INSURANCE AND INVESTMENT PROGRAMS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt018514
IRS990/PYInvestmentIncomeAmt02270135
IRS990/PYOtherExpensesAmt011009727
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt021948276
IRS990/PYRevenuesLessExpensesAmt05005626
IRS990/PYSalariesCompEmpBnftPaidAmt08184544
IRS990/PYTotalExpensesAmt019212785
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt024218411
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt07146126
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt07246471
IRS990/ReconcilationRevenueExpnssAmt04198639
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt037649279
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt044552160
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0249699
IRS990/SavingsAndTempCashInvstGrp/EOYAmt016340158
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03757606
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04492750
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08250356
IRS990ScheduleD/EquipmentGrp/BookValueAmt01551166
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04411768
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05962934
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt021905872
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0640638
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0640638
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0306142
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt060245
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0366387
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt044349
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0587394
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0631743
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0270780290
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt04939529
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt14764834
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt26541951
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt35105822
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt420501377
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt521990024
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt615546234
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt71900313
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt8496000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT (AFS)
IRS990ScheduleD/OtherSecuritiesGrp/Desc1COLLATERALIZED MORTGAGE OBLIGATIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CORPORATE BONDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3CUSO INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc4FEDERAL AGENCY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc5MORTGAGE-BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc6STATE AND MUNICIPAL BONDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc7U.S. TREASURY
IRS990ScheduleD/OtherSecuritiesGrp/Desc8CERTIFICATES OF DEPOSIT (NON-NEGOTIABLE)
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd6F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd7F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd8C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt026104511
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06299901
IRS990ScheduleD/TotalBookValueSecuritiesAmt081786084
IRS990ScheduleD/TotalExpensesPerForm990Amt021905872
IRS990ScheduleD/TotalLiabilityAmt0270780290
IRS990ScheduleD/TotalRevenuePerForm990Amt026104511

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