Civic Intelligence

West Michigan Credit Union

EIN 38-1544138 • 501(c)14 • Grand Rapids, MI

Profile

Working together as the most trusted resource to help our members' financial lives be simply better.

1720 Michigan Street NEGrand Rapids, MI 49503

www.westmichigancu.com

Siviq Scores

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

Liabilities / Assets

7th percentile

0.80x

Higher debt load relative to assets than 7% of similar nonprofits.

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

Liabilities / Revenue

37th percentile

14.02x

Higher debt load relative to revenue than 37% of similar nonprofits.

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

Net Margin

97th percentile

32%

Higher net margin than 97% of similar nonprofits.

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

Top Officer Pay

41st percentile

$402,352

Higher top officer pay than 41% of similar nonprofits.

Top officer pay equals 2.8% of source-year revenue.

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

Asset Growth

26th percentile

-0.6%

Faster asset growth than 26% of similar nonprofits.

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

Revenue Growth

32nd percentile

8.5%

Faster revenue growth than 32% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets7th percentile

Assets

Down

$252,339,496

Down $1,575,572 (-0.6%) from 2023

Liabilities

Down

$201,537,290

Down $6,208,060 (-3.0%) from 2023

Net Assets

Up

$50,802,206

Up $4,632,488 (+10%) from 2023

Operations
Liabilities / Revenue37th percentileNet Margin97th percentile

Revenue

Up

$14,377,811

Up $1,123,525 (+8.5%) from 2023

Expenses

Down

$9,842,589

Down $280,795 (-2.8%) from 2023

Net Income

Up

$4,535,222

Up $1,404,320 (+45%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth26th percentile

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

$300M$200M$100M$0Assets 2018: $164,915,909Liabilities 2018: $135,313,751Net Assets 2018: $29,602,1582018Assets 2019: $165,981,769Liabilities 2019: $134,667,736Net Assets 2019: $31,314,0332019Assets 2020: $198,676,279Liabilities 2020: $165,790,887Net Assets 2020: $32,885,3922020Assets 2021: $223,420,342Liabilities 2021: $189,002,329Net Assets 2021: $34,418,0132021Assets 2022: $272,614,211Liabilities 2022: $229,270,787Net Assets 2022: $43,343,4242022Assets 2023: $253,915,068Liabilities 2023: $207,745,350Net Assets 2023: $46,169,7182023Assets 2024: $252,339,496Liabilities 2024: $201,537,290Net Assets 2024: $50,802,2062024

Highlighted filing

2024

Assets$252,339,496
Liabilities$201,537,290
Net Assets$50,802,206
Open 2024 Filing

Operations Trend

Revenue Growth32nd percentile

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

$15M$10M$5.0M$0Revenue 2018: $8,002,589Expenses 2018: $6,367,381Net Income 2018: $1,635,2082018Revenue 2019: $8,235,674Expenses 2019: $6,523,799Net Income 2019: $1,711,8752019Revenue 2020: $8,305,250Expenses 2020: $6,733,891Net Income 2020: $1,571,3592020Revenue 2021: $8,907,021Expenses 2021: $7,374,400Net Income 2021: $1,532,6212021Revenue 2022: $12,249,801Expenses 2022: $9,180,849Net Income 2022: $3,068,9522022Revenue 2023: $13,254,286Expenses 2023: $10,123,384Net Income 2023: $3,130,9022023Revenue 2024: $14,377,811Expenses 2024: $9,842,589Net Income 2024: $4,535,2222024

Highlighted filing

2024

Revenue$14,377,811
Expenses$9,842,589
Net Income$4,535,222
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$252,339,496
Liabilities
$201,537,290
Net assets
$50,802,206
Revenue
$14,377,811
Expenses
$9,842,589
Net income
$4,535,222
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$252$202$50.8$14.4$9.84$4.54
2023Detailed filing. Detailed filing data is available for this year.$254$208$46.2$13.3$10.1$3.13
2022Detailed filing. Detailed filing data is available for this year.$273$229$43.3$12.2$9.18$3.07
2021Detailed filing. Detailed filing data is available for this year.$223$189$34.4$8.91$7.37$1.53
2020Detailed filing. Detailed filing data is available for this year.$199$166$32.9$8.31$6.73$1.57
2019Detailed filing. Detailed filing data is available for this year.$166$135$31.3$8.24$6.52$1.71
2018Summary only. Only limited summary data is available for this year.$165$135$29.6$8.00$6.37$1.64
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 13, 2025
Return Version
2024v5.2
Gross Receipts
$14,377,811
Mission and Program Overview

Mission

Working together as the most trusted resource to help our members' financial lives be simply better.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$133,514,850$112,164,121▼ $21,350,729
Investments in Publicly Traded Securities$36,274,216$51,035,101▲ $14,760,885
Rtn Earn Endowment Incm Other Fnds$46,169,718$50,802,206▲ $4,632,488
Savings and Temporary Cash Investments$38,238,284$37,462,621▼ $775,663
Investments Other Securities$24,427,900$30,162,900▲ $5,735,000
Receivables From Officers Etc$7,700,792$7,888,814▲ $188,022
Cash and Non-Interest-Bearing Accounts$3,848,275$4,821,747▲ $973,472
Land, Buildings, and Equipment, Net$4,061,665$3,995,741▼ $65,924
Intangible Assets$1,018,910$895,405▼ $123,505
Accounts Receivable$1,139,789$184,830▼ $954,959
Prepaid Expenses and Deferred Charges$199,348$145,984▼ $53,364
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$253,915,068$252,339,496▼ $1,575,572
Other Assets Total$3,491,039$3,582,232▲ $91,193
Liabilities
Other Liabilities$205,771,536$199,533,336▼ $6,238,200
Accounts Payable and Accrued Expenses$1,973,814$2,003,954▲ $30,140
Total Liabilities$207,745,350$201,537,290▼ $6,208,060
Net Assets / Fund Balance
Total Net Assets Fund Balance$46,169,718$50,802,206▲ $4,632,488
Total Liabilities and Net Assets / Fund Balance$253,915,068$252,339,496▼ $1,575,572

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,611,749$2,442,774$5,054,523
Equipment$322,493$1,463,294$1,785,787
Land$1,061,499-$1,061,499
Other Securities$694,900--
Compensation and Service Providers
Top Officer Pay41st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
William KeimCEOFT$316,016$86,336$402,352
Thomas W KuzdzalCFOFT$145,394$36,037$181,431
Jeanene SmithCOOFT$109,132$45,863$154,995
Cassie PattersonChief Risk and Compliance OfficerFT$132,399$9,175$141,574

Board Members and Trustees

NameTitle
Brent NevinsBoard Chair
Michael RopeleVice Board Chair
Clare KwantDirector
Joe CoutureDirector
Scott CollinsDirector
Shirlee HarryDirector
Steve KenyonDirector
Marlin BakerSecretary
Daniel TitusTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu AnswersxtendComputer Systems6000 28TH STREET SE SUITE 100, Grand Rapids, MI 49546-6927$574,716
FisworldpayDebit Card And Atm Processing8500 GOVERNORS HILL DRIVE, Symmes Township, OH 45249$357,187
Red Rock Information SecurityIt Monitoring, Firewall, Etc.1101 40TH STREET SE, Grand Rapids, MI 49508$343,233
VeleraDr,cr,atm Card Processing560 CARILLON PARKWAY, St Petersburg, FL 33716$245,086
Informa Business SystemsAtm Hardwsare, Software And Servicing5170 HARTSHORN DR, Flushing, MI 48433$103,290
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,855,782
Investment Income
$4,522,029
Other Revenue
$0
Change in Net Assets
$4,535,222

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,377,811
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$14,377,811
Total Revenue per Form 990
$14,377,811
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,236,569
Salaries, Compensation, and Employee Benefits$4,606,020
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,513,862
Interest---$942,337
Information Technology---$913,257
Current Officers, Directors, Trustees, and Key Employees---$880,352
Other Employee Benefits---$693,579
Office Expenses---$572,021
Occupancy---$449,324
Payroll Taxes---$331,355
Depreciation Depletion---$291,696
Pension Plan Contributions---$186,872
All Other Expenses---$143,790
Fees for Services Other---$138,299
Other Expenses---$124,045
Advertising---$99,322
Insurance---$83,066
Fees for Services Management---$17,535
Payments to Affiliates---$12,258
Travel---$11,882
Fees for Services Accounting---$10,982
Fees for Services Legal---$-11,815
Total Functional Expenses$0$0$0$9,842,589

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,842,589
Total Expenses per Audited Statements$9,842,589
Total Expenses per Form 990$9,842,589
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$7,700,792$7,888,814▲ $188,022
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share and Money Market Accounts$139,703,354
Share Draft Accounts$35,336,690
Certificates of Deposit$20,802,611
Ira Share Accounts$3,690,681
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization has members.”

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

“The credit union membership may participate in the election of directors.”

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

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

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

“The form 990 is prepared by a tax professional, reviewed by management, and discussed at the board of directors meeting.”

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

“Members of the executive team and the board of directors are required to disclose any conflicts of interest should one arise during the year. Additionally, members of the executive team and the board of directors sign annual disclosure forms which are reviewed by management and the board.”

Form 990, Part VI, Section B, Line 15

“The ceo has an annual review performed by the executive committee which consists of board members. They determine the ceo's salary for the next year. The cfo's, coo's and chief risk and compliance officer's annual evaluations are prepared by the ceo. The michigan league salary survey is utilized to determine salary adjustments for the other executives.”

Form 990, Part VI, Section C, Line 19

“Governing documents and conflict of interest policy are not made available to the public. Quarterly financial statements are made available to the public on the ncua website via the 5300 filing.”

Filing and Contact Details

Filer

Filer Name
West Michigan Credit Union
EIN
38-1544138
Phone
6164514567
Address
1720 MICHIGAN STREET NE, GRAND RAPIDS, MI 49503

Signing Officer

Name
Thomas W Kuzdzal
Title
CFO
Phone
6164514567
Signed
2025-08-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William Keim
Formed
1956
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
98
Volunteers
10

Preparer

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

Additional Explanations

Form 990, Part IX, Line 11G

“Other professional fees 138,299.”

Form 990, Part IX, Line 24E

“Training/education/development 100,743. Maintenance 43,047.”

Form 990, Part XII, Line 2C

“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

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

Raw XML AppendixShowing 400 of 571 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/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9362801
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10162888
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11125312
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12132399
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11COO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF RISK AND COMPLIANCE OFFICER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01956
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt014377811
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
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IRS990/InsuranceGrp/TotalAmt083066
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IRS990/IntangibleAssetsGrp/EOYAmt0895405
IRS990/InterestGrp/TotalAmt0942337
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04522029
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IRS990/IRPDocumentCnt05609
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IRS990/LandBldgEquipCostOrOtherBssAmt07901809
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WORKING TOGETHER AS THE MOST TRUSTED RESOURCE TO HELP OUR MEMBERS' FINANCIAL LIVES BE SIMPLY BETTER.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt046169718
IRS990/NetAssetsOrFundBalancesEOYAmt050802206
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt097266
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0449324
IRS990/OfficeExpensesGrp/TotalAmt0572021
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03491039
IRS990/OtherAssetsTotalGrp/EOYAmt03582232
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0693579
IRS990/OtherExpensesGrp/Desc0DEBIT/CREDIT/ATM EXPENS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt0808895
IRS990/OtherExpensesGrp/TotalAmt1399546
IRS990/OtherExpensesGrp/TotalAmt2230129
IRS990/OtherExpensesGrp/TotalAmt3124045
IRS990/OtherLiabilitiesGrp/BOYAmt0205771536
IRS990/OtherLiabilitiesGrp/EOYAmt0199533336
IRS990/OtherSalariesAndWagesGrp/TotalAmt02513862
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0133514850
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0112164121
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt012258
IRS990/PayrollTaxesGrp/TotalAmt0331355
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0186872
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0199348
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0145984
IRS990/PrincipalOfficerNm0WILLIAM KEIM
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2520000
IRS990/ProgramServiceRevenueGrp/Desc0INCOME FROM LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHER
IRS990/ProgramServiceRevenueGrp/Desc2FINANCE AND INSURANCE
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13334285
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt247838
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IRS990/PYBenefitsPaidToMembersAmt00
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt038238284
IRS990/SavingsAndTempCashInvstGrp/EOYAmt037462621
IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt02442774
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05054523
IRS990ScheduleD/EquipmentGrp/BookValueAmt0322493
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01463294
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01785787
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt09842589
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01061499
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01061499
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03690681
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt120802611
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt235336690
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3139703354
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0IRA SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE AND MONEY MARKET ACCOUNTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt029468000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1694900
IRS990ScheduleD/OtherSecuritiesGrp/Desc0LONG TERM CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MEMBERSHIP CAPITAL SHARES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt014377811
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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IRS990ScheduleD/TotalBookValueSecuritiesAmt030162900
IRS990ScheduleD/TotalExpensesPerForm990Amt09842589
IRS990ScheduleD/TotalLiabilityAmt0199533336
IRS990ScheduleD/TotalRevenuePerForm990Amt014377811
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt014377811
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt09842589
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0316016
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1145394
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2109132
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount045291
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount116000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount216000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt022896
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt110375
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt28419
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt18168
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt221264
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00

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