Liabilities / Assets
99th percentile
Higher debt load relative to assets than 99% of similar nonprofits.
Valley State Employees Credit Union
EIN 38-1538668 • 501(c)14 • Saginaw, MI
Profile
Provide financial services and products to members.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.97x
Liabilities / Revenue
81st percentile
Higher debt load relative to revenue than 81% of similar nonprofits.
Net Margin
1st percentile
Higher net margin than 1% of similar nonprofits.
Top Officer Pay
22nd percentile
Higher top officer pay than 22% of similar nonprofits.
Top officer pay equals 6.2% of source-year revenue.
Asset Growth
5th percentile
Faster asset growth than 5% of similar nonprofits.
Revenue Growth
7th percentile
Faster revenue growth than 7% of similar nonprofits.
Balance Sheet
Assets
Down$19,817,961
Down $5,387,329 (-21%) from 2015
Liabilities
Down$19,241,276
Down $3,325,258 (-15%) from 2015
Net Assets
Down$576,685
Down $2,062,071 (-78%) from 2015
Revenue
Down$864,993
Down $170,987 (-17%) from 2015
Expenses
Up$2,927,064
Up $1,864,365 (+175%) from 2015
Net Income
Down-$2,062,071
Down $2,035,352 (-7618%) from 2015
Trend Graphs
Filings
Most recent year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $19,817,961
- Liabilities
- $19,241,276
- Net assets
- $576,685
- Revenue
- $864,993
- Expenses
- $2,927,064
- Net income
- -$2,062,071
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2016 to Dec 31, 2016
- Signed
- Feb 23, 2017
- Return Version
- 2016v3.0
- Gross Receipts
- $4,753,362
Mission and Program Overview
Mission
Provide financial services and products to members. Valley state credit union (vscu) was placed into conservatorship by the state of michigan, department of insurance and financial services on august 17, 2016 due to unsafe and unsound practices. The state of michigan department of insurance and financial services subsequently appointed the national credit union administration as conservator on november 9, 2016. As conservator, ncua is working to resolve unsafe and unsound operating conditions at the credit union. The vscu board of directors and the ceo, stanley hayes, was dismissed on august 17, 2016 after the michigan department of insurance and financial services conserved vscu.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $16,752,954 | $11,417,563 | ▼ $5,335,391 |
| Savings and Temporary Cash Investments | $1,236,000 | $3,422,398 | ▲ $2,186,398 |
| Investments Other Securities | $5,143,232 | $2,503,165 | ▼ $2,640,067 |
| Rtn Earn Endowment Incm Other Fnds | $2,638,756 | $576,685 | ▼ $2,062,071 |
| Land, Buildings, and Equipment, Net | $535,398 | $543,783 | ▲ $8,385 |
| Cash and Non-Interest-Bearing Accounts | $580,421 | $270,952 | ▼ $309,469 |
| Prepaid Expenses and Deferred Charges | $83,781 | $104,435 | ▲ $20,654 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $25,205,290 | $19,817,961 | ▼ $5,387,329 |
| Other Assets Total | $873,504 | $1,555,665 | ▲ $682,161 |
| Liabilities | |||
| Other Liabilities | $22,527,553 | $19,199,925 | ▼ $3,327,628 |
| Accounts Payable and Accrued Expenses | $38,981 | $41,351 | ▲ $2,370 |
| Total Liabilities | $22,566,534 | $19,241,276 | ▼ $3,325,258 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,638,756 | $576,685 | ▼ $2,062,071 |
| Total Liabilities and Net Assets / Fund Balance | $25,205,290 | $19,817,961 | ▼ $5,387,329 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $361,232 | $248,319 | $609,551 |
| Leasehold Improvements | $116,551 | $184,145 | $300,696 |
| Land | $66,000 | - | $66,000 |
| Other Assets Org | $1,268,849 | - | - |
| Other Securities | $2,348,000 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Stanley D Hayes | President/CEO | FT | $48,671 | $4,582 | $53,253 |
Board Members and Trustees
| Name | Title |
|---|---|
| Sidney Diggs Iv | Chairman |
| Renee Raney | V. Chairman |
| Kathleen Marcoux | Director |
| Lorraine Tourangeau | Director |
| Victor Lord | Director |
| Andrew Healy | Ncua Conservator |
| Jean Kuebler | Secretary |
| Joseph Caudy Iii | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $850,976
- Investment Income
- $14,017
- Other Revenue
- $0
- Change in Net Assets
- $-2,062,071
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $2,684,675 |
| Salaries, Compensation, and Employee Benefits | $242,389 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $128,241 | - | - | $128,241 |
| Information Technology | $110,815 | - | - | $110,815 |
| Interest | $108,099 | - | - | $108,099 |
| Fees for Services Other | $106,402 | - | - | $106,402 |
| Current Officers, Directors, Trustees, and Key Employees | $53,253 | - | - | $53,253 |
| Fees for Services Legal | $51,190 | - | - | $51,190 |
| Office Expenses | $45,673 | - | - | $45,673 |
| Other Expenses | $40,295 | - | - | $40,295 |
| Depreciation Depletion | $31,703 | - | - | $31,703 |
| All Other Expenses | $29,272 | - | - | $29,272 |
| Other Employee Benefits | $28,851 | - | - | $28,851 |
| Advertising | $25,050 | - | - | $25,050 |
| Occupancy | $21,177 | - | - | $21,177 |
| Payroll Taxes | $18,994 | - | - | $18,994 |
| Fees for Services Accounting | $17,771 | - | - | $17,771 |
| Insurance | $15,501 | - | - | $15,501 |
| Pension Plan Contributions | $13,050 | - | - | $13,050 |
| Payments to Affiliates | $2,501 | - | - | $2,501 |
| Conferences and Meetings | $2,249 | - | - | $2,249 |
| Travel | $1,959 | - | - | $1,959 |
| Total Functional Expenses | $2,927,064 | $0 | $0 | $2,927,064 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Regular Shares | $10,457,529 |
| Certificates of Deposit | $6,347,758 |
| Share Drafts | $2,082,995 |
| Ira Shares | $311,643 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Business relationship with family members
- No
- Business relationship with organization members
- No
- Material changes to governing documents
- Yes
- 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
- Yes
Governance Explanations
Form 990, Part VI, Section A, Line 1
“Not applicable. As conservator, ncua acts as the governing body.”
Form 990, Part VI, Section A, Line 3
“Vscu was placed into conservatorship by the state of michigan, department of insurance and financial services on august 17, 2016. The state of michigan department of insurance and financial services subsequently appointed the national credit union administration as conservator on november 9, 2016. While vscu is in conservatorship members can continue business as usual, conducting financial transactions, accessing share deposits and loan services, and using web-based account inquiries and bill payment.”
Form 990, Part VI, Section A, Line 4
“Vscu was placed into conservatorship by the state of michigan, department of insurance and financial services on august 17, 2016. The state of michigan department of insurance and financial services subsequently appointed the national credit union administration as conservator on november 9, 2016.”
Form 990, Part VI, Section A, Line 5
“During 2016 the state of michigan, department of insurance and financial services identified a series of accounting transactions made using the former ceo's teller id that lacked economic substance. Ncua engaged a forensic accounting firm to evaluate and quantify these transactions. At this time it is not possible to quantify these transactions as the investigation is in process. We also cannot conclude if these transactions were or were not for a valid business purpose.”
Form 990, Part VI, Section A, Line 6
“Section 501(c)(14) credit union is comprised of members.”
Form 990, Part VI, Section A, Line 7B
“As previously noted, on 8/17/2016 vscu was placed into conservatorship by the state of michigan, department of insurance and financial services. The state of michigan department of insurance and financial services subsequently appointed the national credit union administration as conservator on november 9, 2016. Given the conservatorship status, the conservator and his agents make all decisions.”
Form 990, Part VI, Section B, Line 11B
“The 990 will not be furnished to the prior board of directors for review. Ncua, in its capacity as conservator, engaged a third party to prepare form 990. The agent or sub-agent for the conservator will perform a review of form 990 prior to filing after the third party completes the form.”
Form 990, Part VI, Section B, Line 12C
“Employee loans are are approved by the board minus the lendee.”
Form 990, Part VI, Section B, Line 15
“Executive and employee salaries were board reviewed and approved. Board of directors were not compensated.”
Form 990, Part VI, Section C, Line 19
“Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (call) reports are also available at www.ncua.gov for all federally insured credit unions.”
Filing and Contact Details
Filer
- Filer Name
- Valley State Employees Credit Union
- EIN
- 38-1538668
- Phone
- 9897935943
- Address
- 2686 MCLEOD DRIVE, SAGINAW, MI 48603
Signing Officer
- Name
- Andrew Healy
- Title
- Ncua Conservator
- Phone
- 7036096138
- Signed
- 2017-02-23
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Andrew Healy
- Formed
- 1955
- Legal Domicile
- Mi
- Voting Board Members
- 0
- Independent Board Members
- 0
- Employees
- 8
- Volunteers
- 0
Preparer
- Firm
- Doeren Mayhew
- Address
- 12060 S W 129TH COURT STE 201, MIAMI, FL 33186-4582
- Preparer
- Robin Hoag
- Phone
- 3052328272
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 24E
“Mastercard: program service expenses 29,272. Management and general expenses 0. Fundraising expenses 0. Total expenses 29,272.”
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| IRS990/Desc | 0 | THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/2016 2,715. |
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| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 3708000 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 1 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS. VALLEY STATE CREDIT UNION (VSCU) WAS PLACED INTO CONSERVATORSHIP BY THE STATE OF MICHIGAN, DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES ON AUGUST 17, 2016 DUE TO UNSAFE AND UNSOUND PRACTICES. THE STATE OF MICHIGAN DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES SUBSEQUENTLY APPOINTED THE NATIONAL CREDIT UNION ADMINISTRATION AS CONSERVATOR ON NOVEMBER 9, 2016. AS CONSERVATOR, NCUA IS WORKING TO RESOLVE UNSAFE AND UNSOUND OPERATING CONDITIONS AT THE CREDIT UNION. THE VSCU BOARD OF DIRECTORS AND THE CEO, STANLEY HAYES, WAS DISMISSED ON AUGUST 17, 2016 AFTER THE MICHIGAN DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES CONSERVED VSCU. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 2638756 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 576685 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -58967 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -58967 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 21177 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 21177 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 45673 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 45673 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 873504 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1555665 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 28851 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 28851 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | COLLECTIONS/LOAN SERVIC |
| IRS990/OtherExpensesGrp/Desc | 2 | MAINTENANCE |
| IRS990/OtherExpensesGrp/Desc | 3 | MISCELLANEOUS |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 1948932 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 74164 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 51922 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 40295 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1948932 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 74164 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 51922 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 40295 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 22527553 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 19199925 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 128241 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 128241 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 16752954 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 11417563 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt | 0 | 2501 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 2501 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 18994 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 18994 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 13050 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 13050 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 83781 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 104435 |
| IRS990/PrincipalOfficerNm | 0 | ANDREW HEALY |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INCOME FROM LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES/CHARGES/OTHER |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 663942 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 187034 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 663942 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 187034 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2016 WAS 1,602. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 117470 |
| IRS990/PYOtherExpensesAmt | 0 | 792433 |
| IRS990/PYOtherRevenueAmt | 0 | 11102 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 907408 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -26719 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 270266 |
| IRS990/PYTotalExpensesAmt | 0 | 1062699 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1035980 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -2062071 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 1 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 2638756 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 576685 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1236000 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3422398 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 361232 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 248319 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 609551 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 66000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 66000 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 116551 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 184145 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 300696 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 29592 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 1 | 221568 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 2 | 35656 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 3 | 1268849 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | ACCRUED INCOME |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 1 | NCUA SHARE INSURANCE FUND |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 2 | OREO |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 3 | OTHER ASSETS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 10457529 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 2082995 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 311643 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 6347758 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | SHARE DRAFTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | IRA SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | CERTIFICATES OF DEPOSIT |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 131300 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 23865 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 2348000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | PERPETUAL CONTRIBUTED CAPITAL-ALLOYA |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | CO-OP NETWORK SHARES |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | LONG TERM CERTIFICATES OF DEPOSIT |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 543783 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 1555665 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 2503165 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 19199925 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | NOT APPLICABLE. AS CONSERVATOR, NCUA ACTS AS THE GOVERNING BODY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | VSCU WAS PLACED INTO CONSERVATORSHIP BY THE STATE OF MICHIGAN, DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES ON AUGUST 17, 2016. THE STATE OF MICHIGAN DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES SUBSEQUENTLY APPOINTED THE NATIONAL CREDIT UNION ADMINISTRATION AS CONSERVATOR ON NOVEMBER 9, 2016. WHILE VSCU IS IN CONSERVATORSHIP MEMBERS CAN CONTINUE BUSINESS AS USUAL, CONDUCTING FINANCIAL TRANSACTIONS, ACCESSING SHARE DEPOSITS AND LOAN SERVICES, AND USING WEB-BASED ACCOUNT INQUIRIES AND BILL PAYMENT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | VSCU WAS PLACED INTO CONSERVATORSHIP BY THE STATE OF MICHIGAN, DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES ON AUGUST 17, 2016. THE STATE OF MICHIGAN DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES SUBSEQUENTLY APPOINTED THE NATIONAL CREDIT UNION ADMINISTRATION AS CONSERVATOR ON NOVEMBER 9, 2016. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | DURING 2016 THE STATE OF MICHIGAN, DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES IDENTIFIED A SERIES OF ACCOUNTING TRANSACTIONS MADE USING THE FORMER CEO'S TELLER ID THAT LACKED ECONOMIC SUBSTANCE. NCUA ENGAGED A FORENSIC ACCOUNTING FIRM TO EVALUATE AND QUANTIFY THESE TRANSACTIONS. AT THIS TIME IT IS NOT POSSIBLE TO QUANTIFY THESE TRANSACTIONS AS THE INVESTIGATION IS IN PROCESS. WE ALSO CANNOT CONCLUDE IF THESE TRANSACTIONS WERE OR WERE NOT FOR A VALID BUSINESS PURPOSE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | SECTION 501(C)(14) CREDIT UNION IS COMPRISED OF MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | AS PREVIOUSLY NOTED, ON 8/17/2016 VSCU WAS PLACED INTO CONSERVATORSHIP BY THE STATE OF MICHIGAN, DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES. THE STATE OF MICHIGAN DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES SUBSEQUENTLY APPOINTED THE NATIONAL CREDIT UNION ADMINISTRATION AS CONSERVATOR ON NOVEMBER 9, 2016. GIVEN THE CONSERVATORSHIP STATUS, THE CONSERVATOR AND HIS AGENTS MAKE ALL DECISIONS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE 990 WILL NOT BE FURNISHED TO THE PRIOR BOARD OF DIRECTORS FOR REVIEW. NCUA, IN ITS CAPACITY AS CONSERVATOR, ENGAGED A THIRD PARTY TO PREPARE FORM 990. THE AGENT OR SUB-AGENT FOR THE CONSERVATOR WILL PERFORM A REVIEW OF FORM 990 PRIOR TO FILING AFTER THE THIRD PARTY COMPLETES THE FORM. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | EMPLOYEE LOANS ARE ARE APPROVED BY THE BOARD MINUS THE LENDEE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | EXECUTIVE AND EMPLOYEE SALARIES WERE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS WERE NOT COMPENSATED. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | CREDIT UNION BYLAWS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST AT THE CREDIT UNION'S MAIN OFFICE. QUARTERLY FINANCIAL STATEMENTS ARE DISPLAYED IN THE LOBBY WHICH IS ACCESSIBLE TO THE GENERAL PUBLIC. QUARTERLY FINANCIAL PERFORMANCE (CALL) REPORTS ARE ALSO AVAILABLE AT WWW.NCUA.GOV FOR ALL FEDERALLY INSURED CREDIT UNIONS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | MASTERCARD: PROGRAM SERVICE EXPENSES 29,272. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 29,272. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 1 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 3 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 4 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION A, LINE 5 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | FORM 990, PART IX, LINE 24E |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 25205290 |
| IRS990/TotalAssetsEOYAmt | 0 | 19817961 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 25205290 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 19817961 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 8 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 2927064 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2927064 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 22566534 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 19241276 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 22566534 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 19241276 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 2638756 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 576685 |
| IRS990/TotalOtherCompensationAmt | 0 | 4582 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 850976 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 48671 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 864993 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 864993 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 0 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 25205290 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 19817961 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/ProgramServicesAmt | 0 | 1959 |
| IRS990/TravelGrp/TotalAmt | 0 | 1959 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 2686 MCLEOD DRIVE |
| IRS990/USAddress/CityNm | 0 | SAGINAW |
| IRS990/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/USAddress/ZIPCd | 0 | 48603 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 0 |
| IRS990/VotingMembersIndependentCnt | 0 | 0 |
| IRS990/WebsiteAddressTxt | 0 | WWW.VALLEYSTATECU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2017-02-10 21:41:12Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | ANDREW HEALY |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | NCUA CONSERVATOR |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7036096138 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2017-02-23 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | VALLEY STATE EMPLOYEES CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | VALL |
| ReturnHeader/Filer/EIN | 0 | 381538668 |
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