Civic Intelligence

Saginaw County Employees Credit Union

EIN 38-1541806 • 501(c)14 • Saginaw, MI

View Organization Page

Profile

Provide financial services and products to members.

1700 Court StreetSaginaw, MI 48602

n/A

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2023

Liabilities / Revenue

44th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

$500k-$1M nonprofits • Source year 2023

Net Margin

75th percentile

24%

Higher net margin than 75% of similar nonprofits.

$500k-$1M nonprofits • Source year 2023

Top Officer Pay

82nd percentile

$72,770

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 7.5% of source-year revenue.

$500k-$1M nonprofits • Source year 2023

Asset Growth

2nd percentile

-100%

Faster asset growth than 2% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2022 to 2023

Revenue Growth

10th percentile

-37%

Faster revenue growth than 10% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $45,813,664 (-100%) from 2022

Liabilities

Down

$0

Down $41,601,982 (-100%) from 2022

Net Assets

Down

$0

Down $4,211,682 (-100%) from 2022

Operations
Liabilities / Revenue44th percentileNet Margin75th percentile

Revenue

Down

$971,960

Down $567,741 (-37%) from 2022

Expenses

Down

$742,496

Down $688,628 (-48%) from 2022

Net Income

Up

$229,464

Up $120,887 (+111%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth2nd percentile

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

$60M$40M$20M$0Assets 2010: $33,553,020Liabilities 2010: $30,847,335Net Assets 2010: $2,705,6852010Assets 2011: $32,600,146Liabilities 2011: $30,077,046Net Assets 2011: $2,523,1002011Assets 2012: $32,621,686Liabilities 2012: $30,087,956Net Assets 2012: $2,533,7302012Assets 2013: $33,140,859Liabilities 2013: $30,440,758Net Assets 2013: $2,700,1012013Assets 2014: $32,553,767Liabilities 2014: $29,725,910Net Assets 2014: $2,827,8572014Assets 2015: $33,714,463Liabilities 2015: $30,791,842Net Assets 2015: $2,922,6212015Assets 2016: $34,757,547Liabilities 2016: $31,695,360Net Assets 2016: $3,062,1872016Assets 2017: $34,996,114Liabilities 2017: $31,746,858Net Assets 2017: $3,249,2562017Assets 2018: $35,940,596Liabilities 2018: $32,404,369Net Assets 2018: $3,536,2272018Assets 2019: $37,874,770Liabilities 2019: $34,046,847Net Assets 2019: $3,827,9232019Assets 2020: $44,018,957Liabilities 2020: $40,030,083Net Assets 2020: $3,988,8742020Assets 2021: $47,171,281Liabilities 2021: $43,068,176Net Assets 2021: $4,103,1052021Assets 2022: $45,813,664Liabilities 2022: $41,601,982Net Assets 2022: $4,211,6822022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2023

Assets$0
Liabilities$0
Net Assets$0
Open 2023 Filing

Operations Trend

Revenue Growth10th percentile

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $1,919,8722010Expenses 2011: $1,690,3472011Revenue 2012: $1,406,770Expenses 2012: $1,396,140Net Income 2012: $10,6302012Revenue 2013: $1,368,501Expenses 2013: $1,202,130Net Income 2013: $166,3712013Revenue 2014: $1,378,115Expenses 2014: $1,250,359Net Income 2014: $127,7562014Revenue 2015: $1,325,527Expenses 2015: $1,230,763Net Income 2015: $94,7642015Revenue 2016: $1,378,496Expenses 2016: $1,238,930Net Income 2016: $139,5662016Revenue 2017: $1,407,631Expenses 2017: $1,220,562Net Income 2017: $187,0692017Revenue 2018: $1,584,385Expenses 2018: $1,297,414Net Income 2018: $286,9712018Revenue 2019: $1,665,595Expenses 2019: $1,373,899Net Income 2019: $291,6962019Revenue 2020: $1,544,440Expenses 2020: $1,383,489Net Income 2020: $160,9512020Revenue 2021: $1,387,727Expenses 2021: $1,273,496Net Income 2021: $114,2312021Revenue 2022: $1,539,701Expenses 2022: $1,431,124Net Income 2022: $108,5772022Revenue 2023: $971,960Expenses 2023: $742,496Net Income 2023: $229,4642023

Highlighted filing

2023

Revenue$971,960
Expenses$742,496
Net Income$229,464
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$971,960
Expenses
$742,496
Net income
$229,464
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.97$0.74$0.23
2022Detailed filing. Detailed filing data is available for this year.$45.8$41.6$4.21$1.54$1.43$0.11
2021Detailed filing. Detailed filing data is available for this year.$47.2$43.1$4.10$1.39$1.27$0.11
2020Detailed filing. Detailed filing data is available for this year.$44.0$40.0$3.99$1.54$1.38$0.16
2019Detailed filing. Detailed filing data is available for this year.$37.9$34.0$3.83$1.67$1.37$0.29
2018Detailed filing. Detailed filing data is available for this year.$35.9$32.4$3.54$1.58$1.30$0.29
2017Detailed filing. Detailed filing data is available for this year.$35.0$31.7$3.25$1.41$1.22$0.19
2016Detailed filing. Detailed filing data is available for this year.$34.8$31.7$3.06$1.38$1.24$0.14
2015Detailed filing. Detailed filing data is available for this year.$33.7$30.8$2.92$1.33$1.23$0.09
2014Detailed filing. Detailed filing data is available for this year.$32.6$29.7$2.83$1.38$1.25$0.13
2013Detailed filing. Detailed filing data is available for this year.$33.1$30.4$2.70$1.37$1.20$0.17
2012Summary only. Only limited summary data is available for this year.$32.6$30.1$2.53$1.41$1.40$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.6$30.1$2.52$1.69
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.6$30.8$2.71$1.92
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Oct 24, 2024
Return Version
2023v5.1
Gross Receipts
$971,960
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$20,577,999$0▼ $20,577,999
Other Notes and Loans Receivable, Net$14,827,590$0▼ $14,827,590
Investments Other Securities$9,040,697$0▼ $9,040,697
Rtn Earn Endowment Incm Other Fnds$4,211,682--
Cash and Non-Interest-Bearing Accounts$456,685$0▼ $456,685
Land, Buildings, and Equipment, Net$333,556$0▼ $333,556
Prepaid Expenses and Deferred Charges$30,907$0▼ $30,907
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$45,813,664$0▼ $45,813,664
Other Assets Total$546,230$0▼ $546,230
Liabilities
Other Liabilities$41,411,467--
Accounts Payable and Accrued Expenses$190,515--
Total Liabilities$41,601,982$0▼ $41,601,982
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,211,682$0▼ $4,211,682
Total Liabilities and Net Assets / Fund Balance$45,813,664$0▼ $45,813,664

Asset Categories

AssetBook ValueDepreciationBasis
Buildings-$1$1
Other Land Buildings-$1$1
Leasehold Improvements-$1$1
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Terry GarrisonCEOFT$59,621$13,149$72,770

Board Members and Trustees

NameTitle
David CableChairman
Deborah TubbDirector
Kenneth TesauroDirector
Timothy NinemireDirector
Tobias WebberDirector
Wendy WachowiczSecretary
Terry BoswellTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$611,375
Investment Income
$360,585
Other Revenue
$0
Change in Net Assets
$229,464
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$430,374
Salaries, Compensation, and Employee Benefits$312,122
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$168,587
Office Expenses---$121,400
Current Officers, Directors, Trustees, and Key Employees---$72,770
Information Technology---$49,374
Interest---$42,371
Pension Plan Contributions---$28,395
Occupancy---$26,454
Other Employee Benefits---$21,225
Payroll Taxes---$21,145
Depreciation Depletion---$16,416
Insurance---$9,257
Travel---$8,159
Other Expenses---$5,640
All Other Expenses---$2,913
Advertising---$1,482
Total Functional Expenses$0$0$0$742,496
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
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

“Section 501c(14) credit union is composed of members.”

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

“Members vote on bylaw and charter changes. Members vote and elect board members at annual meeting.”

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

“Ergers are voted on by entire membership.”

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

“Management reviews tax returns and forwards us form 8879-te to tax preparer. Board reviews filed tax returns at next scheduled meeting.”

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

“Employee loans are management approved. Management loans are board approved. Loans to board members are approved by the board minus the lendee.”

Form 990, Part VI, Section B, Line 15A

“Executive and employee salaries are board reviewed and approved. Board of directors are not compensated.”

Form 990, Part VI, Section B, Line 15B

“Executive and employee salaries are board reviewed and approved. Board of directors are 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
Saginaw County Employees Credit Union
EIN
38-1541806
Phone
9897939188
Address
1700 COURT STREET, SAGINAW, MI 48602

Signing Officer

Name
Terry Garrison
Title
CEO
Signed
2024-10-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Terry Garrison
Formed
1956
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
12
Volunteers
7

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Donald E Lingerfelt
Phone
8005225820
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“= -$4441146”

Raw XML Appendix390 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/OtherEmployeeBenefitsGrp/TotalAmt021225
IRS990/OtherExpensesGrp/Desc0PROF & OUTSIDE SERV.
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2PCL
IRS990/OtherExpensesGrp/Desc3OP FEES
IRS990/OtherExpensesGrp/TotalAmt068571
IRS990/OtherExpensesGrp/TotalAmt159549
IRS990/OtherExpensesGrp/TotalAmt218788
IRS990/OtherExpensesGrp/TotalAmt35640
IRS990/OtherLiabilitiesGrp/BOYAmt041411467
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0168587
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt014827590
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0true
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt021145
IRS990/PensionPlanContributionsGrp/TotalAmt028395
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt030907
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0TERRY GARRISON
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0FEES AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0174383
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1427477
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0177721
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt16177
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2427477
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt03338
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt16177
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 6/30/2023 WAS 1,585.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0352133
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0872049
IRS990/PYProgramServiceRevenueAmt01187568
IRS990/PYRevenuesLessExpensesAmt0108577
IRS990/PYSalariesCompEmpBnftPaidAmt0559075
IRS990/PYTotalExpensesAmt01431124
IRS990/PYTotalRevenueAmt01539701
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0229464
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04211682
IRS990/SavingsAndTempCashInvstGrp/BOYAmt020577999
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt01
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleN/DirectorOfSuccessor2Ind0false
IRS990ScheduleN/DispositionOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0Assets Transferred
IRS990ScheduleN/DispositionOfAssetsDetail/BusinessName/BusinessNameLine1Txt0CONSUMERS PROFESSIONAL CU
IRS990ScheduleN/DispositionOfAssetsDetail/DistributionDt02023-07-01
IRS990ScheduleN/DispositionOfAssetsDetail/EIN0381446160
IRS990ScheduleN/DispositionOfAssetsDetail/FairMarketValueOfAssetAmt044487691
IRS990ScheduleN/DispositionOfAssetsDetail/MethodOfFMVDeterminationTxt0MARKET VALUE
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/AddressLine1Txt0525 W WILLOW STREET
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/CityNm0LANSING
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/StateAbbreviationCd0MI
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/ZIPCd048906
IRS990ScheduleN/EmployeeOfSuccessor2Ind0false
IRS990ScheduleN/OwnerOfSuccessor2Ind0false
IRS990ScheduleN/ReceiveCompensation2Ind0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SECTION 501C(14) CREDIT UNION IS COMPOSED OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS VOTE ON BYLAW AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS AT ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ERGERS ARE VOTED ON BY ENTIRE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-TE TO TAX PREPARER. BOARD REVIEWS FILED TAX RETURNS AT NEXT SCHEDULED MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EMPLOYEE LOANS ARE MANAGEMENT APPROVED. MANAGEMENT LOANS ARE BOARD APPROVED. LOANS TO BOARD MEMBERS ARE APPROVED BY THE BOARD MINUS THE LENDEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CREDIT 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/ExplanationTxt8= -$4441146
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt045813664
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt045813664
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0742496
IRS990/TotalGrossUBIAmt09515
IRS990/TotalLiabilitiesBOYAmt041601982
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt041601982
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04211682
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt013149
IRS990/TotalProgramServiceRevenueAmt0611375
IRS990/TotalReportableCompFromOrgAmt059621
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0962445
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0971960
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt09515
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt045813664
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TravelGrp/TotalAmt08159
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01700 COURT STREET
IRS990/USAddress/CityNm0SAGINAW
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd0486024071
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02024-10-15 13:58:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TERRY GARRISON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-10-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SAGINAW COUNTY EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SAGI
ReturnHeader/Filer/EIN0381541806
ReturnHeader/Filer/PhoneNum09897939188
ReturnHeader/Filer/USAddress/AddressLine1Txt01700 COURT STREET
ReturnHeader/Filer/USAddress/CityNm0SAGINAW
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048602
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0650152722
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06447 W HIGHWAY 146
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CRESTWOOD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040014
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Donald E Lingerfelt
ReturnHeader/ReturnTs02024-10-24T06:34:36-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

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