Civic Intelligence

Credit Unions Chartered in the State of Michigan Extra Credit Union

990 • Fiscal year 2019 • EIN 38-1536749

Jan 01, 2019 to Dec 31, 2019 • Filed on Jul 17, 2020

Organization ProfileWWW.EXTRACREDITUNION.ORG

View Organization Page

6611 Chicago RoadWarren, MI 48092

(586) 276-3000

Siviq Scores

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

Liabilities / Assets

52nd percentile

0.89x

Higher debt load relative to assets than 52% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Liabilities / Revenue

9th percentile

11.03x

Higher debt load relative to revenue than 9% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Net Margin

58th percentile

14%

Higher net margin than 58% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Top Officer Pay

94th percentile

$395,182

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Asset Growth

31st percentile

2.2%

Faster asset growth than 31% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Revenue Growth

48th percentile

8.0%

Faster revenue growth than 48% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Up

$236,332,868

Up $5,054,459 (+2.2%) from 2018

Net Assets

Up

$26,332,827

Up $4,749,935 (+22%) from 2018

Liabilities

Up

$210,000,041

Up $304,524 (+0.1%) from 2018

Revenue And Expenses
Liabilities / Revenue9th percentileNet Margin58th percentile

Revenue

Up

$19,034,085

Up $1,403,965 (+8.0%) from 2018

Expenses

Up

$16,286,151

Up $615,278 (+3.9%) from 2018

Net Income

Up

$2,747,934

Up $788,687 (+40%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth31st percentile

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

$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

2019

Assets$236,332,868
Liabilities$210,000,041
Net Assets$26,332,827
Open 2019 Filing

Operations Trend

Revenue Growth48th percentile

Revenue, expenses, and net income across loaded years, with this 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

2019

Revenue$19,034,085
Expenses$16,286,151
Net Income$2,747,934
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jul 17, 2020
Return Version
2019v5.1
Gross Receipts
$19,956,685
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 finanical well-being for members and potential members by providing quality, value, and conveniene 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$123,432,925$133,543,253▲ $10,110,328
Investments Other Securities$71,811,505$74,173,168▲ $2,361,663
Rtn Earn Endowment Incm Other Fnds$21,582,892$26,332,827▲ $4,749,935
Investments Program Related$10,853,513$10,807,648▼ $45,865
Land, Buildings, and Equipment, Net$6,540,442$6,445,070▼ $95,372
Receivables From Officers Etc$3,762,164$3,846,863▲ $84,699
Cash and Non-Interest-Bearing Accounts$1,674,834$1,880,157▲ $205,323
Savings and Temporary Cash Investments$8,802,344$1,265,753▼ $7,536,591
Prepaid Expenses and Deferred Charges$519,189$569,394▲ $50,205
Accounts Receivable$491,990$527,308▲ $35,318
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$231,278,409$236,332,868▲ $5,054,459
Other Assets Total$3,389,503$3,274,254▼ $115,249
Liabilities
Other Liabilities$208,092,800$208,420,085▲ $327,285
Accounts Payable and Accrued Expenses$1,602,717$1,579,956▼ $22,761
Total Liabilities$209,695,517$210,000,041▲ $304,524
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,582,892$26,332,827▲ $4,749,935
Total Liabilities and Net Assets / Fund Balance$231,278,409$236,332,868▲ $5,054,459

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,524,497$3,587,866$8,112,363
Equipment$1,145,489$3,572,993$4,718,482
Land$640,638-$640,638
Other Land Buildings$133,539$493,204$626,743
Leasehold Improvements$907$301,885$302,792
Other Securities$74,173,168--
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Deidra WilliamsCEOFT$316,596$78,586$395,182
Kristin KasinecVP of FinanceFT$157,865$40,944$198,809
James McqueenVP of Member ServicesFT$113,212$22,349$135,561
Stacey ComiskaAvp FinanceFT$104,914$23,772$128,686
Paul ShammasIt ManagerFT$106,344$12,591$118,935

Board Members and Trustees

NameTitle
Anne CovertChairperson
Donald SlagelVice Chairperson
Jason ZirnisAssoc. Board Member
John PermaloffBoard Member
Tammy FindlayBoard Member
Claudia MullinSecretary
Phillip JankowskiTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Member Driven TechnologiesCore Service Provider30230 ORCHARD LAKE RD, Farmington Hills, MI 48334$595,335
Auto ExamLending Solution Provider17555 EL CAMINO REAL, Houston, TX 77058$245,043
US Signal LLCTechnology Service Provider201 IONIA AVE SW, Grand Rapids, MI 49503$144,632
Butler Butler & Rowse-oberle PllcLegal Services24525 HARPER AVE, St Clair Shores, MI 48080$144,429
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$16,969,589
Investment Income
$2,064,496
Other Revenue
$0
Change in Net Assets
$2,747,934

Audited Revenue Reconciliation

Revenue per Audited Statements
$19,101,638
Revenue Not Reported on Financial Statements
$-67,553
Revenue Not Reported on Form 990
$-264,578
Other Revenue Adjustments
$-67,553
Total Revenue per Audited Statements
$18,837,060
Total Revenue per Form 990
$19,034,085
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,583,033
Salaries, Compensation, and Employee Benefits$6,693,118
Grants and Similar Amounts Paid$10,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons---$4,542,463
Other Employee Benefits---$959,517
Information Technology---$833,302
Depreciation Depletion---$603,182
Current Officers, Directors, Trustees, and Key Employees---$593,991
Occupancy---$544,996
Interest---$528,987
Office Expenses---$503,869
Fees for Services Other---$467,253
Payroll Taxes---$388,202
Other Expenses---$264,578
Conferences and Meetings---$247,926
Advertising---$241,434
All Other Expenses---$229,496
Pension Plan Contributions---$208,945
Fees for Services Legal---$164,378
Insurance---$78,853
Fees for Services Accounting---$57,300
Grants to Domestic Individuals---$10,000
Total Functional Expenses$0$0$0$16,286,151

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$16,286,151
Total Expenses per Audited Statements$16,089,126
Expenses per Audited Statements$16,021,573
Expenses Not Reported on Financial Statements$264,578
Other Expense Adjustments$264,578
Expenses Not Reported on Form 990$67,553
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$3,762,164$3,846,863▲ $84,699
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$208,420,085
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
Doing Business As
Extra Credit Union

Signing Officer

Name
Kristin Kasinec
Title
VP Finance
Phone
5862763125
Signed
2020-07-17

Organization Details

Principal Officer
Deidra Williams
Formed
1954
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
6
Employees
110
Volunteers
6

Preparer

Firm
Doeren Mayhew
Address
305 W BIG BEAVER ROAD, TROY, MI 48084
Preparer
Jack C Tracy CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“CONSULTING FEES 467,253.”

Form 990, Part IX, Line 24E

“Credit card expense 128,905. Other expense 100,591.”

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:

“Income taxes extra credit union is exempt, by statute, from federal income taxes on income related to the exempt purpose of the credit union. The credit union is a state-chartered credit union described in internal revenue code ("irc") section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. Many states have similar laws. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been an issue for many years. In 2007, the internal revenue service ("irs") issued a series of technical advice memoranda ("tam") to a number of state-chartered credit unions located throughout the country. In these tams, the irs ruled certain products and services to be subject to taxation as unrelated business income. In light of the tams, the credit union has assessed its activities and any potential federal or state income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purpose is not expected to have a material effect on the credit union's financial condition or results of operations. The credit union's open audit period is for the three year period ended december 31, 2019.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Loss on cuso investment included as a reduction of income within audited financial statements, but reported as a loss/expense within form 990. -264,578.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Loss on sale of assets included as a reduction of income within form 990 but reported as a loss/expense within the audited financial statements. -67,553.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Loss on sale of assets included as a reduction of income within form 990 but reported as a loss/expense within the audited financial statements. 67,553.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Loss on cuso investment included as a reduction of income within audited financial statements, but reported as a loss/expense within form 990. 264,578.”

Raw XML AppendixShowing 400 of 541 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/BOYAmt01602717
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01579956
IRS990/AccountsReceivableGrp/BOYAmt0491990
IRS990/AccountsReceivableGrp/EOYAmt0527308
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO ENHANCE THE FINANICAL WELL-BEING FOR MEMBERS AND POTENTIAL MEMBERS BY PROVIDING QUALITY, VALUE, AND CONVENIENE IN OUR PRODUCTS AND SERVICES WHICH PROMOTES MEMBER CONFIDENCE AND LOYALTY WHILE MAINTAINING FINANCIAL STABILITY.
IRS990/AdvertisingGrp/TotalAmt0241434
IRS990/AllOtherExpensesGrp/TotalAmt0229496
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0DEIDRA M WILLIAMS
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/BOYAmt01674834
IRS990/CashNonInterestBearingGrp/EOYAmt01880157
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt04
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0593991
IRS990/CompDisqualPersonsGrp/TotalAmt04542463
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt0247926
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0595335
IRS990/ContractorCompensationGrp/CompensationAmt1245043
IRS990/ContractorCompensationGrp/CompensationAmt2144632
IRS990/ContractorCompensationGrp/CompensationAmt3144429
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt030230 ORCHARD LAKE RD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt117555 EL CAMINO REAL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2201 IONIA AVE SW
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt324525 HARPER AVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0FARMINGTON HILLS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1HOUSTON
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2GRAND RAPIDS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3ST CLAIR SHORES
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd048334
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd177058
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd249503
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd348080
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0MEMBER DRIVEN TECHNOLOGIES
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1AUTO EXAM
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2US SIGNAL LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3BUTLER BUTLER & ROWSE-OBERLE PLLC
IRS990/ContractorCompensationGrp/ServicesDesc0CORE SERVICE PROVIDER
IRS990/ContractorCompensationGrp/ServicesDesc1LENDING SOLUTION PROVIDER
IRS990/ContractorCompensationGrp/ServicesDesc2TECHNOLOGY SERVICE PROVIDER
IRS990/ContractorCompensationGrp/ServicesDesc3LEGAL SERVICES
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt010000
IRS990/CYInvestmentIncomeAmt02064496
IRS990/CYOtherExpensesAmt09583033
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt016969589
IRS990/CYRevenuesLessExpensesAmt02747934
IRS990/CYSalariesCompEmpBnftPaidAmt06693118
IRS990/CYTotalExpensesAmt016286151
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt019034085
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0603182
IRS990/Desc0PROVIDE 19,637 MEMBERS WITH REGULAR SHARES, SHARE DRAFTS, CERTIFICATES OF DEPOSIT, IRA, AND MONEY MARKET ACCOUNTS TOTALING $208,420,085.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DoingBusinessAsName/BusinessNameLine1Txt0EXTRA CREDIT UNION
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0110
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt057300
IRS990/FeesForServicesLegalGrp/TotalAmt0164378
IRS990/FeesForServicesOtherGrp/TotalAmt0467253
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt760.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt850.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt950.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1045.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1145.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
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/OtherCompensationAmt734974
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt827619
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt922349
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1023772
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1112591
IRS990/Form990PartVIISectionAGrp/PersonNm0DONALD SLAGEL
IRS990/Form990PartVIISectionAGrp/PersonNm1ANNE COVERT
IRS990/Form990PartVIISectionAGrp/PersonNm2TAMMY FINDLAY
IRS990/Form990PartVIISectionAGrp/PersonNm3CLAUDIA MULLIN
IRS990/Form990PartVIISectionAGrp/PersonNm4JOHN PERMALOFF
IRS990/Form990PartVIISectionAGrp/PersonNm5PHILLIP JANKOWSKI
IRS990/Form990PartVIISectionAGrp/PersonNm6JASON ZIRNIS
IRS990/Form990PartVIISectionAGrp/PersonNm7DEIDRA WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm8KRISTIN KASINEC
IRS990/Form990PartVIISectionAGrp/PersonNm9JAMES MCQUEEN
IRS990/Form990PartVIISectionAGrp/PersonNm10STACEY COMISKA
IRS990/Form990PartVIISectionAGrp/PersonNm11PAUL SHAMMAS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7360208
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8171190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9113212
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10104914
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11106344
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/TitleTxt0VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6ASSOC. BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP OF MEMBER SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt10AVP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt11IT MANAGER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-67553
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt010000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0855047
IRS990/GrossReceiptsAmt019956685
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt05
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0833302
IRS990/InsuranceGrp/TotalAmt078853
IRS990/InterestGrp/TotalAmt0528987
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02132049
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02132049
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt071811505
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt074173168
IRS990/InvestmentsProgramRelatedGrp/BOYAmt010853513
IRS990/InvestmentsProgramRelatedGrp/EOYAmt010807648
IRS990/IRPDocumentCnt04244
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07955948
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06540442
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06445070
IRS990/LandBldgEquipCostOrOtherBssAmt014401018
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0922600
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO ENHANCE THE FINANCIAL WELL-BEING OF MEMERS 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/NetAssetsOrFundBalancesBOYAmt021582892
IRS990/NetAssetsOrFundBalancesEOYAmt026332827
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-67553
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-67553
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt02002001
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0544996
IRS990/OfficeExpensesGrp/TotalAmt0503869
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03389503
IRS990/OtherAssetsTotalGrp/EOYAmt03274254
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0959517
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3LOSS ON CUSO INVESTMENT
IRS990/OtherExpensesGrp/TotalAmt03071847
IRS990/OtherExpensesGrp/TotalAmt11032572
IRS990/OtherExpensesGrp/TotalAmt2713060
IRS990/OtherExpensesGrp/TotalAmt3264578
IRS990/OtherLiabilitiesGrp/BOYAmt0208092800
IRS990/OtherLiabilitiesGrp/EOYAmt0208420085
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0123432925
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0133543253
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0388202
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0208945
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0519189
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0569394
IRS990/PrincipalOfficerNm0DEIDRA WILLIAMS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3523000
IRS990/ProgramServiceRevenueGrp/BusinessCd4900099
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc3FINANCIAL PLANNING INCOME
IRS990/ProgramServiceRevenueGrp/Desc4NON-MEMBER ATM FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt010573767
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt15206677
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21108228
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt010573767
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15206677
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21108228
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt373049
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt47868
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt073049
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt17868
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE LOANS INCLUDING VEHICLE, PERSONAL, MORTGAGE, RECREATIONAL VEHICLE, AND HOME EQUITY LOANS TOTALING $141,289,781.
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/PYGrantsAndSimilarPaidAmt020000
IRS990/PYInvestmentIncomeAmt01795162
IRS990/PYOtherExpensesAmt09907772
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt015834958
IRS990/PYRevenuesLessExpensesAmt01959247
IRS990/PYSalariesCompEmpBnftPaidAmt05743101
IRS990/PYTotalExpensesAmt015670873
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt017630120
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt03762164
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt03846863
IRS990/ReconcilationRevenueExpnssAmt02747934
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt021582892
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt026332827
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08802344
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01265753
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04524497
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03587866
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08112363
IRS990ScheduleD/EquipmentGrp/BookValueAmt01145489
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03572993
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04718482
IRS990ScheduleD/ExpensesNotReportedAmt067553
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0264578
IRS990ScheduleD/ExpensesSubtotalAmt016021573
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0640638
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0640638
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0907
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0301885
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0302792
IRS990ScheduleD/OtherExpensesIncludedAmt067553
IRS990ScheduleD/OtherExpensesNotIncludedAmt0264578
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0133539
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0493204
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0626743
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0208420085
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherRevenueAmt0-264578
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-67553
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt074173168
IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/RevenueNotReportedAmt0-264578
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-67553
IRS990ScheduleD/RevenueSubtotalAmt019101638
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0INCOME TAXES EXTRA CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL INCOME TAXES ON INCOME RELATED TO THE EXEMPT PURPOSE OF THE CREDIT UNION. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE ("IRC") SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AN ISSUE FOR MANY YEARS. IN 2007, THE INTERNAL REVENUE SERVICE ("IRS") ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL CONDITION OR RESULTS OF OPERATIONS. THE CREDIT UNION'S OPEN AUDIT PERIOD IS FOR THE THREE YEAR PERIOD ENDED DECEMBER 31, 2019.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1LOSS ON CUSO INVESTMENT INCLUDED AS A REDUCTION OF INCOME WITHIN AUDITED FINANCIAL STATEMENTS, BUT REPORTED AS A LOSS/EXPENSE WITHIN FORM 990. -264,578.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2LOSS ON SALE OF ASSETS INCLUDED AS A REDUCTION OF INCOME WITHIN FORM 990 BUT REPORTED AS A LOSS/EXPENSE WITHIN THE AUDITED FINANCIAL STATEMENTS. -67,553.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3LOSS ON SALE OF ASSETS INCLUDED AS A REDUCTION OF INCOME WITHIN FORM 990 BUT REPORTED AS A LOSS/EXPENSE WITHIN THE AUDITED FINANCIAL STATEMENTS. 67,553.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt4LOSS ON CUSO INVESTMENT INCLUDED AS A REDUCTION OF INCOME WITHIN AUDITED FINANCIAL STATEMENTS, BUT REPORTED AS A LOSS/EXPENSE WITHIN FORM 990. 264,578.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc3PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc4PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06445070
IRS990ScheduleD/TotalBookValueSecuritiesAmt074173168
IRS990ScheduleD/TotalExpensesPerForm990Amt016286151
IRS990ScheduleD/TotalLiabilityAmt0208420085
IRS990ScheduleD/TotalRevenuePerForm990Amt019034085
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt018837060
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt016089126
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt010000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt1GRANTS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt010
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0SCHOLARSHIP RECIPIENTS COMPLETE APPLICATIONS AND ARE SELECTED BY A JUDGING COMMITTEE BASED ON A NUMBER OF CRITERIA. ALL APPLICATIONS AND SUPPORTING DOCUMENTS WILL BE KEPT CONFIDENTIAL, BECOME THE PROPERTY OF THE CREDIT UNION AND WILL NOT BE RETURNED.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0316596
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1157865
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount043612
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount113325
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$236,332,868
Liabilities
$210,000,041
Net assets
$26,332,827
Revenue
$19,034,085
Expenses
$16,286,151
Net income
$2,747,934
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
2019Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2019 filings • 501(c)14 • $100M-$250M nonprofits